MUMBAI, India, July 13 -- Intellectual Property India has published a patent application (202621069891 A) filed by Symbiosis International Deemed University on June 03, 2026, for Ai-Driven Multi-Model Framework And System For Personalized Financial Intelligence And Advisory.
Inventors include Dr. Parul Dubey; Aswin Binu; Anish Kumar Singh; and Jash Chauhan.
The application for the patent was published on July 10, 2026, under issue no. 28/2026.
Abstract: ABSTRACT AI-DRIVEN MULTI-MODEL FRAMEWORK AND SYSTEM FOR PERSONALIZED FINANCIAL INTELLIGENCE AND ADVISORY The present invention discloses an AI-driven multi-model framework and system (100) for personalized financial intelligence. The system (100) comprises a data acquisition and preprocessing module (110) with a smart data capture component (112), a feature engineering module (120) for deriving ratio-based financial indicators, and three parallel machine learning engines: a financial health engine (130) employing Gradient Boosting Machines for generating a health score on a scale of zero to one hundred, a smart waste detection engine (140) employing Random Forest classifiers with entropy-based splits for identifying underutilized recurring subscriptions, and a goal prediction engine (150) employing Long Short-Term Memory neural networks with Monte Carlo simulations for forecasting financial goal achievement probability. An AI Financial Co-Pilot module (160) integrates the outputs of all three engines through weighted scoring, generates natural language narratives using NLP, provides SHAP- based explainable AI justifications, and produces a prioritized action plan. [
Disclaimer: Curated by HT Syndication.
