MUMBAI, India, Nov. 2 -- Intellectual Property India has published a patent application (202641122515 A) filed by Saveetha Institute Of Medical And Technical Sciences on October 13, 2026, for Credi Trise My Credit Health App Competition With Cibil Score.
Inventors include G Harshitha; Dr. A. Rama; Dr. R. Karthik Raja; and Dr Ramya Mohan.
The application for the patent was published on October 30, 2026, under issue no. 44/2026.
Abstract: Maintaining a healthy credit score is essential for accessing financial services such as loans, credit cards, and mortgages. However, many individuals lack awareness of the factors influencing their credit score and often receive limited guidance on how to improve it. Existing credit monitoring platforms primarily focus on displaying credit scores and reports, with minimal emphasis on predictive insights, behavioral motivation, or personalized improvement strategies. This project presents an AI- driven mobile application, "CreditRise — My Credit Health App," designed to monitor, analyze, and actively improve users' credit health through predictive analytics and gamified financial motivation. The proposed system integrates secure user authentication, structured financial data management, and intelligent scoring algorithms to evaluate credit utilization, repayment behavior, EMI patterns, and debt-to-income indicators. Users can manually input credit-related data or upload credit report summaries, which are processed by the system to compute credit health metrics and generate future score predictions. The application incorporates a Credit Growth Predictor that simulates potential score changes based on financial behavior scenarios, such as timely repayments or reduced credit utilization. Additionally, an AIbased Credit Coach provides personalized recommendations, risk alerts, and motivational feedback to encourage responsible financial habits. By combining behavioral analytics, gamification techniques, and predictive modeling, the application transforms passive credit monitoring into an interactive financial wellness experience. The system is designed to assist users in making informed financial decisions while promoting disciplined credit behavior. Rather than replacing official credit bureaus, the application functions as an intelligent companion tool to enhance credit awareness, improve financial literacy, and support long-term financial stability.This AI-enabled approach has the potential to increase credit accessibility, reduce financial risk, and empower individuals to proactively manage and improve their credit health
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