Inventor · Engineering Manager, Dow Jones · Kelley MBA · MS CS

Sachin
Rajput

Payments infrastructure leader and fintech inventor. I build the systems that move money — and the ideas that rethink how money should move.

3 USPTO Patents · Fintech MS Computer Science · Binghamton MBA · Kelley School of Business Payments · Dow Jones
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Sachin Rajput
3
USPTO Patents
1M+
Payment Methods / Month
$2M
Daily Transactions
16+
Years Experience
Intellectual Property

Three USPTO
Patent Filings

Named inventor on three provisional patent applications filed under Hudlix LLC, covering a new category in consumer finance: the control layer.

Patent 1 · Filed Feb 2026
Forward-Looking Income Allocation Engine
Maps household income against financial obligations across 30, 60, and 90-day horizons. Identifies surplus, coverage gaps, and rebalancing opportunities before money disperses.
Filed Feb 1, 2026 USPTO Provisional
Patent 2 · Filed Mar 2026
Intelligent Payment Routing & Proxy Credential Architecture
Constraint-governed card selection and pre-authorization execution. Enables automated payment routing based on obligation type, balance, and user-defined financial rules.
Filed Mar 28, 2026 USPTO Provisional
Patent 3 · Filed Apr 2026
External Invocation & Savings Delta Loop
Browser-based financial orchestration triggered by merchant context. Governs real-time spend decisions against financial constraints and routes savings delta to interest reduction or investment.
Filed Apr 18, 2026 USPTO Provisional
Thought Leadership

Writing on the
Control Layer

Publishing on the structural gap in consumer finance — the missing orchestration layer between income arriving and obligations being met.

LinkedIn Newsletter
The Financial Operating System — Payments infrastructure and consumer finance orchestration
Ongoing · 2026
→
Medium
Essays on the control layer — the missing orchestration layer in consumer finance
Ongoing · 2026
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Professional Background

12 Years Building
Payment Infrastructure

Dow Jones & Co., Inc.
Software Engineering Manager
Apr 2014 – Present · 12 Years
  • Core Pay Vault — tokenization platform, 1M+ payment methods/month
  • EPS Payment Gateway — $1–2M daily transactions across Visa, Mastercard, Adyen
  • Account Updater Platform — 100K–200K records/run
  • DJFastPay — enterprise invoice payment platform (Dow Jones ONE Award)
  • Network Tokenization — eliminating PCI DSS scope
  • Entrepreneur In Residence — inaugural Dow Jones Springboard accelerator
Education
MS · MBA · BE
2005 – 2025
  • MBA, Business Analytics — Indiana University, Kelley School of Business (2025)
  • MS, Computer Science — SUNY Binghamton (2014)
  • BE, Information Technology — Mumbai University (2010)
  • Research Assistant — Energy-Aware Programming, Binghamton (2012–13)
  • Founder — Samperks Technologies, Mumbai (2009–2012)
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Get in Touch

Payments infrastructure, fintech invention, and consumer finance orchestration.

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