MUMBAI, India, July 13 -- Intellectual Property India has published a patent application (202641081616 A) filed by Cmr Institute Of Technology on July 02, 2026, for Minus: An Intelligent System And Method For Coordinated Personal Debt Optimization Through Structured Cash-Flow Reorganization.
Inventors include G. Venkata Ramana; Maheedhar Varaprasad; Thota Pratyusha; Saketh Nemalikonda; Seshi Reddy Kota; and Sathwik Golla.
The application for the patent was published on July 10, 2026, under issue no. 28/2026.
Abstract: The present invention discloses a system and method, referred to herein as MINUS, for intelligent and coordinated reorganization of personal financial cash flows to achieve accelerated debt elimination without requiring additional income, external borrowing, or exposure to investment risk. The system operates by aggregating a comprehensive financial profile of an individual user, encompassing income streams, recurring expenditures, outstanding loan obligations including Equated Monthly Installments (EMIs), fixed deposit balances, liquid savings reserves, and credit utilization patterns. Rather than treating each financial instrument in isolation, as is the convention in traditional banking and advisory services, the MINUS system analyzes these elements holistically as an interconnected cash-flow structure. Using proprietary optimization logic grounded in behavioral finance and mathematical interest- rate modeling, the system identifies structural inefficiencies arising from parallel high-interest liabilities and low-yield savings instruments. It then generates a time-sequenced, personalized action plan directing surplus liquidity toward accelerated principal reduction of outstanding loans, reconfiguring the direction and timing of fund allocation without altering the total quantum of money available to the user. The system has been validated through real-world household case studies demonstrating reduction of multi- decade debt timelines to two to three years using existing funds. The invention further encompasses a digital interface layer for user interaction, a rule-based decision engine for continuous plan recalibration, and a modular architecture enabling scalability across diverse income groups, geographies, and financial product environments. No investment returns, speculative positions, or externally sourced capital are involved at any stage of the process, making the invention suitable for risk-averse individuals seeking financial clarity, reduced debt burden, and improved long-term economic stability.
Disclaimer: Curated by HT Syndication.
