MUMBAI, India, July 11 -- Intellectual Property India has published a patent application (202521059704 A) filed by Gulechha Lokesh N; and Gulechha Komal Lokesh, Solapur, Maharashtra, on June 22, for 'system and method for automated micro-savings and investment via upi infrastructure using payment round-ups..'
Inventor(s) include Gulechha Lokesh N; and Gulechha Komal Lokesh.
The application for the patent was published on July 11, under issue no. 28/2025.
According to the abstract released by the Intellectual Property India: "Present invention discloses a system and method for automating micro-savings and investments by leveraging real-time payment infrastructures such as UPI using payment round-ups. Users link their UPI accounts through a mobile interface (101a) or integrate with existing payment platforms (101b). Upon making a payment, a savings logic engine (102) applies customizable triggers such as round-ups, calendar-based rules, or behavioural conditions to initiate small-value savings. These amounts are automatically debited using UPI Autopay (103a) or mandates (103b) and routed through investment router (105) into configurable investment options including digital gold, mutual funds, recurring deposits, government bonds or others. The system operates without reliance on SMS transaction alerts, ensuring greater consistency and reliability. An Administrative & Analytics Dashboard (107) maintains user-specific ledger tracks balances, transactions, and portfolio performance. This invention promotes accessible, rule-based financial wellness by investing with minimal user effort and without requiring large initial deposits."
Disclaimer: Curated by HT Syndication.
