MUMBAI, India, Aug. 31 -- Intellectual Property India has published a patent application (202621082023 A) filed by Symbiosis International Deemed University on July 02, 2026, for Ai-Enabled Multi-Agent Financial Digital Twin System For Real-Time Risk Prediction And Personalized Banking.
Inventors include Dr. Rashmy Moray; and Dr. Ahuti S Mishra.
The application for the patent was published on August 28, 2026, under issue no. 35/2026.
Abstract: ABSTRACT AI-ENABLED MULTI-AGENT FINANCIAL DIGITAL TWIN SYSTEM FOR REAL-TIME RISK PREDICTION AND PERSONALIZED BANKING The present invention discloses an AI-enabled multi-agent financial digital twin system (100) for real-time risk prediction and personalized banking. The system (100) comprises a Data Acquisition Module (102), a Data Fusion Module (104), a Multi-Agent Digital Twin Engine (130) generating a Personal Financial Twin (131), a Behavioural Twin (132), an Economic Environment Twin (133), and a Banking Institution Twin (134), a Financial DNA Engine (142), a Future-State Scenario Injection Engine (146), an AI Prediction Engine (108), a Risk Analytics Engine (110), an Explainable AI Engine (138), an Autonomous Risk-Correction Engine (148), a Federated Learning Engine (150), a Blockchain Twin Memory Module (152), and a Metaverse Banking Interface (140). The system continuously simulates future financial conditions, predicts and explains financial risk in real time, autonomously initiates corrective actions, trains AI models in a privacy-preserving federated manner, records digital twin evolution on a blockchain, and delivers personalized banking through a metaverse interface. [
Disclaimer: Curated by HT Syndication.
