Patent 1
Blockchain-Based Smart Invoice Tokenization Patent
This patent introduces a blockchain middleware and smart invoice tokenization engine that transforms enterprise invoices into secure, traceable digital assets.
Patent Number
01
Provisional Patent No
TEMP/E-1/86524/2025-KOL
Application Number
202531078105
Patent Remarks
Blockchain-based smart invoice tokenization engine with embedded metadata, smart contract automation, and AI-driven risk scoring.
Field of Invention
The present invention relates to a Blockchain Middleware Platform for Automated Invoice Validation, Transformation, and Settlement. More specifically, it pertains to a layered middleware architecture that bridges ERP-generated enterprise invoices with blockchain-based smart contract engines, enabling tokenization of invoices into blockchain assets enriched with AI-powered risk scoring, compliance data, and programmable escrow mechanisms. The invention further relates to event-driven settlement workflows, automated liquidity governance, and decentralized finance (DeFi) integration across multi-chain blockchain environments.
Smart invoice tokenization
Smart Invoice Tokenization – Converts real-world invoices into unique, traceable, and fractionable blockchain-based assets (NFTs) enriched with compliance data and AI- driven risk assessment.
Embedded metadata & smart contracts
Embedded Metadata & Smart Contracts – Stores core invoice details (buyer, seller, amount, due date) in the token and automatically assigns smart contracts to manage lifecycle and settlement.
Efficiency in trade finance
Efficiency in Trade Finance – Combines decentralized ledger technology, AI-powered financial validation, and programmable escrow workflows to improve financing, settlement, and trading of invoices.
Risk-scored NFTs
Risk-Scored NFTs – Generates NFTs containing invoice status, payment history, KYB verification, and AI-derived risk scores, with hybrid chain–external call backs for real- time updates from off-chain AI oracles.
Milestone-based escrow
Milestone-Based Escrow – Locks and releases funds only on predefined triggers such as payment confirmation or project milestone completion, reducing default risk and enhancing trust.
Liquidity & DeFi integration
Liquidity & DeFi Integration – Supports automated liquidity governance, enabling invoice token trading or pooling in DeFi marketplaces, with on-chain ROI pay outs via smart contracts.
Patent focus
Patent Focus – Covers logic for tokenizing invoice metadata (buyer, seller, amount, due date), automatic assignment of smart contracts per token, and embedding of AI-driven risk scoring directly in token metadata.