# AI Patent Analysis Column Published in Electronic Times

Electronic Times has published Yongduck Kim's analysis of Balancehero's patents and the role of AI patent protection in international fintech expansion.

Source: https://www.iplexlaw.co.kr/en/blog/1284239

HOME / NEWS & INSIGHTS NEWS & INSIGHTS AI Patent Analysis Column Published in Electronic Times Electronic Times has published Yongduck Kim's analysis of Balancehero's patents and the role of AI patent protection in international fintech expansion. AI & Software 2025.07.24 published IPLEX 1 min read Electronic Times has published Yongduck Kim's analysis of Balancehero's patents and the role of AI patent protection in international fintech expansion. In this article, we focused on the AI-based unsecured loan approval system patent registered by BalanceHero. This patent covers the limitations of traditional credit assessment methods and utilizes alternative data and machine learning techniques to ensure that users with a poor financial background are evaluated for possible loans. Patent attorney Yongduck Kim explains how the system uses varied unstructured data to assess applicants without conventional income evidence. The column discusses access for people starting their careers, those with limited credit histories and new-to-credit (NTC) customers, as well as IP protection and regulatory considerations in overseas markets. You can find the full article at the link below. Read the column Read the Korean source This article reflects the information available when it was published. Contact us to discuss your circumstances. Discuss this topic ↗ All articles TALK TO IPLEX Discuss your IP questions We consider your technology and business needs together. ↗ Contact us Newer DeepSeek Patent Analysis Column Published in AI Times ↗ Older AI Times Column: Part 16 ↗ Related insights AI & Software 2026.10.01 FiX: fine-grained forgetting in softmax attention Yongduck Kim examines FiX’s feature-wise gates, numerical implementation and paged cache, distinguishing reported gains from unresolved limitations. ↗ Read article AI & Software 2026.09.30 MHAR: Reading earlier layers through different feature subspaces Yongduck Kim examines Multi-Head Attention Residuals: depth routing, reported training results, implementation costs and the relationship between technical features and effects. ↗ Read article AI & Software 2026.09.28 Column: Claude Computer Use and the Data That Trains AI Agents Writing for AI Times, IPLEX Managing Partner Yongduck Kim examines the training data behind computer-operating AI agents through U.S. Patent No. 12,585,862. ↗ Read article

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