Patent 3
Blockchain middleware platform for automated invoice validation, transformation, and settlement
This patent discloses a blockchain middleware platform that bridges enterprise ERP systems with blockchain smart contract engines to validate, transform, and tokenize invoices into metadata-rich, risk-scored digital assets.
Patent Number
03
Provisional Patent No
TEMP/E-1/89920/2025-KOL
Application Number
202531080339
Patent Remarks
Blockchain middleware platform for automated invoice validation, transformation, and settlement.
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, thereby facilitating secure, transparent, and efficient invoice financing and clearing operations across multi-chain blockchain environments.
ERP–blockchain middleware integration
The invention provides a Blockchain Middleware Platform for Automated Invoice Validation, Transformation, and Settlement, wherein a middleware broker layer bridges ERP (Enterprise Resource Planning) systems with blockchain-based smart contract engines to ingest, validate, transform, and tokenize enterprise invoices into blockchain assets such as non-fungible tokens (NFTs).
Protocol translation layer
The middleware broker employs a layered architecture, functioning as a protocol translator that converts Web2 enterprise invoice formats into blockchain-compatible clearing instructions, thereby enabling seamless ERP–blockchain integration.
AI-powered invoice validation
The system addresses inefficiencies in traditional invoice financing and settlement workflows by combining decentralized ledger technology, AI-powered financial validation, programmable escrow mechanisms, and event-driven orchestration logic.
Metadata-enriched invoice NFTs
In operation, ERP-generated invoices are first validated against compliance rules, KYB/AML checks, and business logic within the middleware broker. The validated invoices are then transformed into tokenized NFTs, embedding metadata such as payment history, supplier-buyer information, risk assessment scores, and regulatory compliance data.
AI-driven risk scoring oracles
AI-powered risk scoring modules and external oracles provide dynamic financial risk assessments, analysing invoice metadata, buyer credit history, industry risk trends, and contextual financial indicators. The hybrid on-chain/off-chain call backs update invoice risk scores in real time, ensuring accurate financial monitoring.
Smart contract escrow automation
A smart contract engine manages the minting of risk-scored NFTs and integrates with a programmable escrow mechanism that locks and releases funds based on milestone-based triggers such as invoice due date, delivery confirmation, or dispute resolution.
DeFi liquidity & fractional ownership
The invention further enables automated liquidity governance by allowing tokenized invoices to be pooled, traded, or fractionally owned in decentralized finance (DeFi) marketplaces. Smart contracts transparently manage on-chain ROI pay outs for liquidity providers based on dynamic invoice risk scores.
DAO-based governance framework
The platform incorporates DAO-based governance, enabling decentralized decision- making for rule updates, dispute resolution, compliance enforcement, and marketplace management.
Event-driven settlement automation
A key advantage of the invention lies in its event-driven architecture, wherein due dates, payment confirmations, delivery verifications, or disputes automatically trigger settlement flows, thereby reducing manual intervention, increasing settlement speed, and minimizing default risks.
Multi-chain & regulatory compliance
The system supports multi-chain blockchain environments, making it adaptable for supply chain finance, cross-border trade, and decentralized credit markets, while ensuring regulatory compliance through embedded KYB/AML checks and transparent blockchain audit trails.