MUMBAI, India, May 1 -- Intellectual Property India has published a patent application (202641049907 A) filed by Fractalhive Solutions Private Limited, Bangalore, Karnataka, on April 20, for 'computer-implemented system and method for real-time collateral state computation and governance across distributed data sources.'
Inventor(s) include Vaghul Rajan; Laxman Narayanan; and Sathish Mahalingam.
The application for the patent was published on May 1, under issue no. 18/2026.
According to the abstract released by the Intellectual Property India: "The present invention discloses a computer-implemented system (102) and method (400) for real-time collateral state computation and governance across distributed data sources. The process begins by obtaining (402) data from data sources (116). The process followed by maintaining (404) a unified collateral data model by mapping each collateral asset to loan facilities and borrower entities through a dynamically updated relational graph structure. The process includes storing (406) obtained data in form of versioned valuation records as time-series governed objects, in valuation registry module. The process includes executing (408) a rule-based computation engine for configurable rules to the obtained data to compute collateral-derived exposure metrics comprising eligible collateral value, Drawing Power based on Net Paid Stock, and Loan-to-Value ratio comparing total Drawing Power against a sanctioned limit and outstanding amount, in real-time. The process further includes determining (410) collateral state transitions by evaluating computed collateral-derived exposure metrics against predefined thresholds."
Disclaimer: Curated by HT Syndication.
