IP Library › Granted Patent US 12,481,967
Granted Patent B2
US 12,481,967 · App. 18/430,637 · Granted Nov 25, 2025

Systems and methods of exchanging digital assets using a public key cryptography (PKC) framework

Inventors: Ashish B. Kurani (Hillsborough, CA); Michael Knorr (Fairfield, CT); Erik F. Nelson (San Francisco, CA); Matthew Mullin Shepherd (Charlotte, NC); Laura Marie Fontana (San Francisco, CA)
Assignee: Wells Fargo Bank, N.A.
G06Q20/0655G06Q20/223G06Q20/3827G06Q2220/00
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Quick Facts
Patent No.
US 12,481,967
App. No.
18/430,637
Granted
Nov 25, 2025
Kind
B2
Abstract

Systems, methods, and computer-readable storage media of exchanging digital assets using a public key cryptography framework. One method includes encrypting at least one digital asset on an internal ledger and storing the encrypted at least one digital asset on an internal ledger. The method further includes receiving a signed exchange request signed by a first key corresponding with an encrypted digital asset on the internal ledger and providing, to an inter-provider ledger, a second key based on interfacing with the inter-provider ledger based on establishing a first data feed. The method further includes determining the signed exchange request was verified. The method further includes updating a central ledger by interfacing with of the central ledger via an application programming interface (API) based on establishing a second data feed and wherein at least one of a plurality of fields of the encrypted digital asset is a universal field.

Claims (49)

1 . A computer-implemented method of exchanging digital assets using a public key cryptography (PKC) framework, the computer-implemented method comprising:

encrypting, by one or more processing circuits, at least one digital asset on an internal ledger;

storing, by the one or more processing circuits, the encrypted at least one digital asset on the internal ledger;

receiving, by the one or more processing circuits, a signed exchange request signed by a first key corresponding with an encrypted digital asset on the internal ledger;

providing, by the one or more processing circuits to an inter-provider ledger, a second key based on interfacing with the inter-provider ledger based on establishing a first data feed;

determining, by the one or more processing circuits, the signed exchange request was verified, wherein the signed exchange request is verified using one or more cryptographic functions on the inter-provider ledger;

transferring, by the one or more processing circuits, the encrypted digital asset to the inter-provider ledger; and

updating, by the one or more processing circuits, a central ledger by interfacing with of the central ledger via an application programming interface (API) based on establishing a second data feed;

wherein at least one of a plurality of fields of the encrypted digital asset is a universal field across the internal ledger, the inter-provider ledger, and the central ledger.

2 . The computer-implemented method of claim 1 , wherein each encrypted digital asset of the encrypted at least one digital asset comprises the plurality of fields, and wherein the plurality of fields comprises at least an assignee field.

3 . The computer-implemented method of claim 2 , wherein the assignee field has a read/write access level, and wherein the encrypted digital asset further comprises a trace field associated with a unique identifier and assigned a read access level.

4 . The computer-implemented method of claim 1 , wherein the encrypted digital asset is a central bank digital currency (CBDC) issued by the central ledger, and wherein the CBDC is a digital form of a fiat currency of one or more nations, one or more countries, or one or more regions.

5 . The computer-implemented method of claim 4 , wherein the central ledger comprises a plurality of nodes each associated with one or more providers, and wherein a central address is unique to the one or more processing circuits, and wherein the one or more processing circuits comprises a read/write access level for updating the central ledger.

6 . The computer-implemented method of claim 1 , wherein the encrypted digital asset is a token derived from a central bank digital currency (CBDC) issued by the central ledger, and wherein the token is a digital form of a fiat currency of one or more nations, one or more countries, or one or more regions.

7 . The computer-implemented method of claim 1 , further comprising:

establishing, by the one or more processing circuits utilizing a different API, the first data feed associated with the signed exchange request; and

monitoring, by the one or more processing circuits, the first data feed comprising executing API calls with the different API, wherein the API calls return a verification status of the signed exchange request.

8 . The computer-implemented method of claim 1 , wherein the internal ledger is operated by the one or more processing circuits, and wherein the inter-provider ledger comprises a plurality of nodes each associated with one or more providers.

9 . The computer-implemented method of claim 8 , wherein a source address associated with the one or more processing circuits is a first node of the plurality of nodes on the inter-provider ledger, and wherein a destination address is a second node of the plurality of nodes on the inter-provider ledger.

10 . A provider system comprising:

at least one processing circuit having at least one processor coupled to at least one memory, the at least one processing circuit configured to:

encrypt at least one digital asset on an internal ledger;

store the encrypted at least one digital asset on the internal ledger;

receive a signed exchange request signed by a first key corresponding with an encrypted digital asset on the internal ledger;

provide, to an inter-provider ledger, a second key based on interfacing with the inter-provider ledger based on establishing a first data feed;

determine the signed exchange request was verified, wherein the signed exchange request is verified using one or more cryptographic functions on the inter-provider ledger;

transfer the encrypted digital asset to the inter-provider ledger; and

update a central ledger by interfacing with the central ledger via an application programming interface (API) based on establishing a second data feed;

wherein at least one of a plurality of fields of the encrypted digital asset is a universal field across the internal ledger, the inter-provider ledger, and the central ledger.

11 . The provider system of claim 10 , wherein each encrypted digital asset of the encrypted at least one digital asset comprises the plurality of fields, and wherein the plurality of fields comprises at least an assignee field.

12 . The provider system of claim 11 , wherein the assignee field has a read/write access level, and wherein the encrypted digital asset further comprises a trace field associated with a unique identifier and assigned a read access level.

13 . The provider system of claim 10 , wherein the encrypted digital asset is a central bank digital currency (CBDC) issued by the central ledger, and wherein the CBDC is a digital form of a fiat currency of one or more nations, one or more countries, or one or more regions.

14 . The provider system of claim 13 , wherein the central ledger comprises a plurality of nodes each associated with one or more providers, and wherein a central address is unique to the at least one processing circuit, and wherein the at least one processing circuit comprises a read/write access level for updating the central ledger.

15 . The provider system of claim 10 , wherein the encrypted digital asset is a token derived from a central bank digital currency (CBDC) issued by the central ledger, and wherein the token is a digital form of a fiat currency of one or more nations, one or more countries, or one or more regions.

16 . The provider system of claim 10 , wherein the at least one processing circuit is further configured to:

establish, utilizing a different API, the first data feed associated with the signed exchange request; and

monitor the first data feed comprising executing API calls with the different API, wherein the API calls return a verification status of the signed exchange request.

17 . The provider system of claim 10 , wherein the internal ledger is operated by the at least one processing circuit, and wherein the inter-provider ledger comprises a plurality of nodes each associated with one or more providers.

18 . The provider system of claim 17 , wherein a source address associated with the at least one processing circuit is a first node of the plurality of nodes on the inter-provider ledger, and wherein a destination address is a second node of the plurality of nodes on the inter-provider ledger.

19 . One or more non-transitory computer-readable storage media having instructions stored thereon that, when executed by at least one processing circuit, cause the at least one processing circuit to:

encrypt at least one digital asset on an internal ledger;

store the encrypted at least one digital asset on the internal ledger;

receive a signed exchange request signed by a first key corresponding with an encrypted digital asset on the internal ledger;

provide, to an inter-provider ledger, a second key based on interfacing with the inter-provider ledger based on establishing a first data feed;

determine the signed exchange request was verified, wherein the signed exchange request is verified using one or more cryptographic functions on the inter-provider ledger;

transfer the encrypted digital asset to the inter-provider ledger; and

update a central ledger by interfacing with the central ledger via an application programming interface (API) based on establishing a second data feed;

wherein at least one of a plurality of fields of the encrypted digital asset is a universal field across the internal ledger, the inter-provider ledger, and the central ledger.

20 . The one or more non-transitory computer-readable storage media of claim 19 , wherein the internal ledger is operated by the at least one processing circuit, and wherein the inter-provider ledger comprises a plurality of nodes each associated with one or more providers, and wherein a source address associated with the at least one processing circuit is a first node of the plurality of nodes on the inter-provider ledger, and wherein a destination address is a second node of the plurality of nodes on the inter-provider ledger.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Feb 7, 2024
From: KURANI, ASHISH B.; KNORR, MICHAEL; NELSON, ERIK F.; SHEPHERD, MATTHEW MULLIN; FONTANA, LAURA MARIE
To: WELLS FARGO BANK, N.A.
Reel/Frame 066398/0711 →
Continuity (2)
Continuation 17528455 · Nov 17, 2021
Related Publication 20240412175A1 · Dec 12, 2024
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