MUMBAI, India, Aug. 31 -- Intellectual Property India has published a patent application (202641078867 A) filed by Nugenomfintech OPC Private Limited on June 26, 2026, for Nugencredit A System And Method For Decentralized Multi Criteria Routing And Automated Capital/Credit Disbursement Within A Distributed Ledger Network.
Inventor includes Chitraleka Srivathsan.
The application for the patent was published on August 28, 2026, under issue no. 35/2026.
Abstract: A decentralized, blockchain powered computing system and method are disclosed for automated multi criteria financial transaction routing and real time capital settlement. The system comprises a decentralized priority routing module (AIPrioriti), an on chain ledger cryptographic evaluation engine (AI CRCalc), a smart contract multi criteria negotiation layer (AI ContractNego), and an autonomous disbursement circuit (AIDisburse) deployed across cryptographically linked network nodes. A client terminal dispatches a digital payload comprising a prioritized target institution array and a multi variable range profile defining requested loan parameters. The routing module dispatches the payload to a first ranked node, which computes a localized credit score directly from immutable ledger blocks. The smart contract automatically matches the client's profile against the node’s criteria matrix. If a mismatch occurs, an automated fallback routing loop forwards the payload to subsequent nodes in the array. Upon successful alignment, the disbursement circuit validates the execution path logs and triggers instantaneous automated settlement.
Disclaimer: Curated by HT Syndication.
