MUMBAI, India, Jan. 23 -- Intellectual Property India has published a patent application (202511127732 A) filed by Delhi Technological University, New Delhi, on Dec. 16, 2025, for 'method and system for adaptive multi-layer detection of money mule activity in banking cyber-physical system.'
Inventor(s) include Kumar, Dr. Rajeev; Kumar, Dr. Vinay; Azad, Dr. Chandrashekhar; and Maurya, Dr. Ashish Kumar.
The application for the patent was published on Jan. 23, under issue no. 04/2026.
According to the abstract released by the Intellectual Property India: "Provided are a method (400) and system (100) for adaptive multi-layer detection of money mule activity in a banking cyber-physical system (CPS) (102). The method comprises receiving and pre-processing (402) a plurality of real-time and historical data from one or more physical entities of the CPS (102). Further, the method comprises computing (404) a behavioural deviation score (P_B) for each account over a time-period, and simultaneously computing (406) a social-graph risk score (S_F) by constructing a social-graph (300) using the pre-processed data. Furthermore, the method comprises determining (408) a composite risk score by combining the behavioural deviation score (P_B) and the social-graph risk score (S_F) in an adaptive risk-fusion technique. Moreover, the method comprises triggering (412) cyber-physical control actions when the composite score exceeds a pre-defined threshold value in order to achieve real-time, transparent, and adaptive multi-layer detection of money mule activity."
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