MUMBAI, India, Nov. 2 -- Intellectual Property India has published a patent application (202641086354 A) filed by Sr University on July 15, 2026, for System And Method For Autonomous Asset Distribution And Multi-Platform Credit Reconciliation.
Inventors include G. Bharani Krishna; and Dr Ramesh Babu.
The application for the patent was published on October 30, 2026, under issue no. 44/2026.
Abstract: The present invention relates to a computer-implemented system and method for autonomous asset distribution and multi-platform credit reconciliation. More particularly, the invention provides an integrated financial transaction management platform configured to collect, normalize, validate, and reconcile transaction data received from multiple heterogeneous financial systems including banking networks, payment gateways, digital wallets, enterprise resource planning systems, accounting platforms, blockchain-based ledgers, and other electronic settlement infrastructures. A reconciliation engine intelligently correlates transaction records to identify verified credit positions by detecting duplicate transactions, partial settlements, delayed credits, reversals, chargebacks, taxation adjustments, currency conversion differences, and other financial discrepancies. Based on the reconciled credit positions, a policy evaluation engine autonomously determines asset allocation according to configurable distribution policies, contractual obligations, recipient priorities, and regulatory constraints. An asset distribution engine generates and executes settlement instructions while continuously validating available balances prior to execution. A settlement monitoring module tracks execution status and invokes automated exception handling workflows in response to failed, disputed, or incomplete transactions. The system further maintains an immutable audit repository for recording reconciliation events, settlement confirmations, distribution decisions, and compliance records. By integrating intelligent reconciliation with autonomous asset distribution in a unified computing architecture, the invention significantly reduces manual intervention, improves settlement accuracy, enhances operational efficiency, minimizes financial discrepancies, and provides scalable, secure, and auditable transaction management across multiple financial platforms.
Disclaimer: Curated by HT Syndication.
