Intellectual Property India Publishes Patent Application for Microfinance Management System For Financial Inclusion And Digital Lending

MUMBAI, India, Aug. 17 -- Intellectual Property India has published a patent application (202641095955 A) filed by Prof. I. Daisy; Prof. T. Narayana Reddy; Dr. Puli Snehalatha; Dr. N. Venkateshwarlu; Dr. P. Venkateshwar Rao; Dr. S. Ramesh; Dr. Shefali Yateen Jain; Dr. Surepalli Venkataratnam; Dr. E. Shanker; Dr. Rathlavath Krishna; and Prof. Dr. Harikumar Pallathadka on August 07, 2026, for Microfinance Management System For Financial Inclusion And Digital Lending.

Inventors include Prof. I. Daisy; Prof. T. Narayana Reddy; Dr. Puli Snehalatha; Dr. N. Venkateshwarlu; Dr. P. Venkateshwar Rao; Dr. S. Ramesh; Dr. Shefali Yateen Jain; Dr. Surepalli Venkataratnam; Dr. E. Shanker; Dr. Rathlavath Krishna; and Prof. Dr. Harikumar Pallathadka.

The application for the patent was published on August 14, 2026, under issue no. 33/2026.

Abstract: The present invention provides an AI-enabled microfinance management system for financial inclusion and adaptive digital lending. The system comprises a digital onboarding and identity module, alternative financial data acquisition module, financial inclusion profiling module, adaptive credit assessment module, loan configuration module, digital lending module, repayment monitoring module, predictive repayment module, and dynamic lending adjustment module. The system obtains permitted financial and transactional parameters from multiple digital sources, generates a financial inclusion profile and processes borrower-specific financial behavior through a machine learning model to determine a dynamic creditworthiness score. Based on the score, the system determines borrower-specific lending parameters and facilitates digital loan approval, agreement execution, disbursement, and repayment scheduling. Post-disbursement repayment behavior and financial activity are continuously monitored to identify repayment risks and dynamically adjust subsequent lending parameters, thereby supporting progressive financial inclusion and adaptive access to microfinance services.

Disclaimer: Curated by HT Syndication.