Patent 6
Blockchain-Enabled Smart Invoice Tokenization & BNPL Middleware Patent
This patent presents a blockchain middleware that tokenizes enterprise invoices into secure, AI-risk-scored digital assets, enabling BNPL automation, smart contract settlement, and DeFi liquidity through programmable escrow and on-chain governance.
Patent Number
06
Provisional Patent No
TEMP/E-1/88437/2025-KOL
Application Number
202531079192
Patent Remarks
Modular buy-now-pay-later (BNPL) API layer for decentralized financial services and credit workflows.
Field of Invention
his invention introduces a novel Modular BNPL-as-a-Service API Layer that is absent in existing solutions, combining blockchain technology with specialized workflows including invoice tokenization, AI-powered financial risk scoring, milestone-based settlement mechanisms, and modular escrow capabilities to enable secure, transparent, and automated invoice settlement and financing.
Tokenized Invoices with BNPL Intelligence
The invention provides a Modular BNPL-as-a-Service API Layer that delivers risk-based, blockchain-powered "Buy Now, Pay Later" (BNPL) services, integrating API contracts, AI-driven offer generation, milestone-based settlement, and immutable on-chain logging.
AI-Driven Contract Metadata & Dynamic BNPL Terms
API Contracts define BNPL limits, tenor periods, and merchant category rules for each invoice. The Offer Generator applies AI-derived risk scores, KYB/AML checks, and historical data to set dynamic pricing and terms linked to the invoice ID.
Blockchain-Based Settlement & Trade Finance Efficiency
An On-chain Log stores acceptance, terms, and performance data on a blockchain, ensuring transparency and tamper resistance. Settlement is handled via programmable escrow pools that release funds when conditions such as payment confirmation or delivery completion are met.
Dynamic Risk-Scored Invoice NFTs for DeFi Liquidity
Hybrid chain–external call backs allow AI oracles to update risk metrics in real time, enabling liquidity providers and merchants to adjust offers dynamically. Automated liquidity governance supports trading or pooling tokenized invoices and BNPL contracts in DeFi markets, with smart contracts managing ROI pay outs.
DAO-Governed Settlement
DAO-enabled governance allows community-driven rule updates and dispute resolution without centralized control. The system delivers faster settlement, embedded compliance, immutable audit trails, optimized liquidity, and regulatory alignment, with applications in supply chain finance, cross-border trade, embedded fintech APIs, and decentralized credit marketplaces across multi-chain environments.