# US 2026/0073367 A1 · Systems and methods of exchanging digital assets using a public key cryptography (pkc) framework

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- Number: US 2026/0073367 A1
- Document ID: US20260073367A1
- Status: Published application
- Kind: A1
- Application number: 19/393,820
- Filed: 2025-11-19
- Published: 2026-03-12
- Earliest claimed: 2021-11-17
- Assignees: Wells Fargo Bank, N.A.
- Applicants: Wells Fargo Bank, N.A.
- Inventors: Ashish B. Kurani; Michael Knorr; Erik F. Nelson; Matthew Mullin Shepherd; Laura Marie Fontana
- Web page: https://patentgrep.com/patent/US20260073367A1

## CPC

- G06Q 20/0655: {e-cash managed centrally}
- G06Q 30/0613: {using intermediate agents}
- G06Q 20/223: {based on the use of peer-to-peer networks}
- G06Q 20/381: {Currency conversion}
- G06Q 20/3827: {Use of message hashing}
- H04L 9/3239: {involving non-keyed hash functions, e.g. modification detection codes [MDCs], MD5, SHA or RIPEMD}
- H04L 9/3247: {involving digital signatures}
- H04L 9/50: {using hash chains, e.g. blockchains or hash trees}
- G06Q 2220/00: Business processing using cryptography
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## 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

### Claim 1

A method comprising:
storing, by one or more processing circuits, an encrypted digital asset on a first ledger;
receiving, by the one or more processing circuits, a signed exchange request signed by a first key corresponding with the encrypted digital asset on the first ledger;
determining, by the one or more processing circuits, the signed exchange request is verified, wherein the signed exchange request is verified using one or more cryptographic functions on a second ledger;
transferring, by the one or more processing circuits, the encrypted digital asset to the second ledger; and
updating, by the one or more processing circuits, a third ledger by interfacing with of the third ledger via an application programming interface (API) based on establishing a data feed;
wherein at least one of a plurality of fields of the encrypted digital asset is a universal field across the first, second, and third ledgers.

### Claim 2 (depends on 1)

The method of claim 1, wherein the plurality of fields comprises at least an assignee field.

### Claim 3 (depends on 2)

The method of claim 2, wherein the assignee field comprises a read/write access level, and wherein the plurality of fields further comprises a trace field associated with a unique identifier and assigned a read access level.

### Claim 4 (depends on 1)

The method of claim 1, wherein the encrypted digital asset comprises a central bank digital currency (CBDC) issued by a 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.

### Claim 5 (depends on 4)

The 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.

### Claim 6 (depends on 1)

The method of claim 1, further comprising:
establishing, by the one or more processing circuits utilizing a different API, a 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.

### Claim 7 (depends on 1)

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

### Claim 8 (depends on 7)

The method of claim 7, 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.

### Claim 9

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:
store an encrypted digital asset on a first ledger;
receive a signed exchange request signed by a first key corresponding with the encrypted digital asset on the first ledger;
determine the signed exchange request is verified, wherein the signed exchange request is verified using one or more cryptographic functions on a second ledger;
transfer the encrypted digital asset to the second ledger; and
update a third ledger by interfacing with of the third ledger via an application programming interface (API) based on establishing a data feed;
wherein at least one of a plurality of fields of the encrypted digital asset is a universal field across the first, second, and third ledgers.

### Claim 10 (depends on 9)

The system of claim 9, wherein the plurality of fields comprises at least an assignee field.

### Claim 11 (depends on 10)

The system of claim 10, wherein the assignee field comprises a read/write access level, and wherein the plurality of fields further comprises a trace field associated with a unique identifier and assigned a read access level.

### Claim 12 (depends on 9)

The system of claim 9, wherein the encrypted digital asset comprises a central bank digital currency (CBDC) issued by a 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.

### Claim 13 (depends on 12)

The system of claim 12, 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.

### Claim 14 (depends on 1)

The system of claim 1, the at least one processing circuit configured to:
establish, utilizing a different API, a 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.

### Claim 15 (depends on 1)

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

### Claim 16 (depends on 15)

The system of claim 15, 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.

### Claim 17

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:
store an encrypted digital asset on a first ledger;
receive a signed exchange request signed by a first key corresponding with the encrypted digital asset on the first ledger;
determine the signed exchange request is verified, wherein the signed exchange request is verified using one or more cryptographic functions on a second ledger;
transfer the encrypted digital asset to the second ledger; and
update a third ledger by interfacing with of the third ledger via an application programming interface (API) based on establishing a data feed;
wherein at least one of a plurality of fields of the encrypted digital asset is a universal field across the first, second, and third ledgers.

### Claim 18 (depends on 17)

The non-transitory computer-readable storage media of claim 17, wherein
the plurality of fields comprises at least an assignee field; and
the assignee field comprises a read/write access level, and wherein the plurality of fields further comprises a trace field associated with a unique identifier and assigned a read access level.

### Claim 19 (depends on 17)

The non-transitory computer-readable storage media of claim 17, wherein the encrypted digital asset comprises a central bank digital currency (CBDC) issued by a 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.

### Claim 20 (depends on 19)

The non-transitory computer-readable storage media of claim 19, 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.