MUMBAI, India, June 22 -- Intellectual Property India has published a patent application (202641050519 A) filed by The Principal, Sns College Of Technology on April 21, 2026, for System And Method For A Privacy Preserving Local First Personal Finance Management Application With Adaptive Transaction Executive Engine And Ai- Assisted Analystics..
Inventors include Dr. Tharankumar. T; Lagadeesh. B; Hepprajith. P; Jothir Sailesh N; Kumutha Kumar; and Madhu Shankara G. S.
The application for the patent was published on June 12, 2026, under issue no. 24/2026.
Abstract: A privacy-preserving, local-first personal finance management system is disclosed for tracking, categorizing, and scheduling financial transactions entirely within a user's device boundary. The application eliminates the need for cloud dependency and background services by utilizing an Adaptive Transaction Execution Engine (1 03) that deterministically materializes scheduled and recurring financial events triggered strictly by an Application Lifecycle Controller (1 02). The system ensures data sovereignty by storing all records in a local SQLite via Drift store (1 05a) and propagating state changes through a Reactive Data Layer (105) utilizing a Riverpod Provider Graph (105b). Additional modules include a Data Export Pipeline (1 08) for secure, offline CSV-over-ZIP data backups and an AI Chat Interface (109) thai le~erages a Rule-Based Inference Engine (1 09b) for on-device financial analytics. To prevent data leakage, a mandatory Pll Sanitization Pre-Processor (1 09d) strips sensitive information before any interaction With optional external language models. The framework provides users with an offline-first architecture, eliminating privacy risks associated with commercial third-party financial aggregators. ยท
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