Wells Fargo Bank, N.a.

Matthew Shepherd

Laura Marie Fontana

Nathaniel C Eutsler

Ashish Bhoopen Kurani

Michael Knorr

Erik F Nelson

Nikolai Stroke

Duc M Trinh

Harmit Singh Dhanoa

Mayur Chheda

Kurt Paul Stevens

Sean Zhang

Marc Le Boeuf

Luiz Fernando Flor Da Silva

Sayali Bhos

June Ann Wroblewski

Daniel G Vogt

Debashis Ghosh

Luiz Fernando Flor De Silva

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.

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

Aspects of this technical solution can include identifying, by an NFT transaction processor, a first localization property corresponding to an NFT that restricts transfer of the NFT to a first locality, identifying, by the NFT transaction processor, a second localization property corresponding to a second NFT account that restricts transfer of the NFT to a second locality, generating, by the NFT transaction processor in response to a determination that the first localization property and the second localization property differ, a container linked with the second localization property, transferring, by the NFT transaction processor in response to the determination, the NFT to the container, and linking, by the NFT transaction processor, the second public and private key pair with the container to transfer the NFT to the second NFT account.

Localization control for non-fungible tokens (NFTs) via transfer by containerized data structures

Systems and methods relating to a distributed ledger-based payment rail are provided. A computer-implemented method includes determining whether a sending financial institution of a sender of a funds transfer and a receiving financial institution of a recipient of the funds transfer each operates a node on a permissioned distributed ledger network. The method further includes routing a funds transfer request message to the permissioned distributed ledger network in response to determining that the sending financial institution and the receiving financial institution each operates a node on the permissioned distributed ledger network. The method further includes destroying, by an issuer, the cash states in response to the recipient redeeming cash states associated with the funds transfer.

Systems and methods for cross-border payments via distributed ledger-based payment rail

An aspect can include obtaining, from a device of a user, location data, obtaining, from the device in response to a determination that the location parameter identifies a physical location of a physical environment, a public key of the user, generating, based on the public key and a private key of the user, an NFT linked with the user and the physical environment, determining, in response to a determination that the device satisfies a distance threshold to an entry controller at the physical location, that the NFT and the public key are compatible with a control structure of a smart contract, and transmitting, in response to the determination that that the NFT and the public key are compatible with the control structure of the smart contract, an instruction based on the NFT to modify operation of the entry controller to permit entry to the physical location.

Generation and validation of non-fungible tokens linked with physical environments

A method includes receiving a protection request for an exchange and generating a metadata object including a plurality of outputting attributes for outputting. The method further includes generating a protected NFT including a link with the metadata object. The protected NFT is encapsulated within a control structure that restricts an output of the metadata object. The method further includes signing the protected NFT using at least one of a first private key or a second public key. The method further includes transmitting the signed protected NFT to the remote device and continuously monitoring the exchange. The method further includes detecting, by the control structure, at least one outputting attribute of the plurality of outputting attributes is satisfied and, in response to detecting the at least one outputting attribute is satisfied, outputting at least a portion of the output.

Tokenized structured exchange tracking

A system can obtain, based on a first control structure that identifies a content type, a non-fungible token (NFT) linked to a content object corresponding to the content type, encapsulate the NFT within a container having a second control structure that restricts output by the content object linked to the encapsulated NFT, and generate a control token compatible with a third control structure that restricts output by the container to a destination corresponding to the control token, determine by the third control structure that the control token is compatible with the third control structure, and transmit, by the second control structure and based on the determination that the control token is compatible with the third control structure, the output from the content object to the destination.

Tokenized structured data sharing

A system to track to model asset states and access by utilizing non-fungible tokens (NFTs). The system includes a data processing system including memory and one or more processors to receive a stating request for an asset, obtain, based on a plurality of control structures, a plurality of NFTs, each of the plurality of NFTs including a link with a metadata object including metadata of a state of the asset, encapsulate the plurality of NFTs within a container, receive, from the remote device, a state request for an asset state corresponding to a first NFT, the state request including a security token, obtain, from the metadata of the first NFT, one or more recorded security tokens, compare the security token to the one or more security tokens, and, in response to the security token matching the one or more security tokens, transmit the first NFT to the remote device.

Tokenized structured asset states

Systems, methods, and computer-readable storage media of template-based digital asset exchanges using a public key cryptography (PKC) framework. One method includes storing a plurality of exchange templates, and receiving a signed exchange request signed by a private key of a public and private key pair associated with a digital asset. The method further includes receiving an environmental dataset, and selecting, utilizing the environmental dataset, an exchange template of the plurality of exchange templates. The method further includes populating the plurality of fields of the selected exchange template based on the environmental dataset. The method further includes providing, to a plurality of user devices, a public key, updating a provider ledger, and updating a central ledger.

Systems and methods of template-based digital asset exchanges using a public key cryptography (PKC) framework

Systems, methods, and computer-readable storage media of wrapping digital assets. One method includes receiving, from a central provider system, a digital asset signed by a central private key associated with a digital asset on a central ledger, and verifying the digital asset based on a central public key. The method further includes updating the digital asset including an assignee field, and receiving an attribute for a second assignee of the digital asset. The method further includes wrapping utilizing the private key of the public and private key pair, the digital asset with the attribute and receiving environmental data. The method further includes determining the at least one condition of the attribute is satisfied, and updating the assignee field.

Systems and methods of digital asset wrapping using a public key cryptography (PKC) framework

Systems, methods, and computer-readable storage media for locking-in currency exchanges. One method includes providing, by a graphical user interface (GUI) of a wallet application, a customer request, wherein the customer request is a request for a currency transfer between a customer account of the customer to a recipient account of a recipient, wherein the customer account is associated with a first type of currency and the recipient account is associated with a second type of currency, presenting, by the GUI of the wallet application, a locked-in exchange rate for a time limit and data corresponding to the exchange rate and the time limit, exchanging, by the wallet application, an amount of the first type of currency for an amount of the second type of currency based on the exchange rate, and receiving, by the GUI of the wallet application, an indication of a transferred amount for a currency transfer.

Systems and methods for foreign currency exchange and transfer

Systems, methods, and computer-readable storage media of exchanging digital assets using a public key cryptography framework. One method includes storing a plurality of digital assets on an internal ledger, and receiving a signed exchange request signed by a private key of a public and private key pair associated with a digital asset on the internal ledger, wherein the signed exchange request includes a destination address of an inter-provider ledger. The method further includes providing, to the inter-provider ledger, a public key of the public and private key pair based on interfacing with the destination address of the inter-provider ledger via a first API, and determining, from the inter-provider ledger, the signed exchange request was verified. The method further includes updating the internal ledger by removing the public and private key pair, and updating a central ledger by interfacing with a central address of the central ledger via a second API.

Systems, methods, and computer-readable storage media utilized receiving a customer request via a graphical user interface (GUI) of a wallet application, extracting transfer information from the customer request based on a smart contract and identifying the transfer information in predefined fields, determining the customer account is associated with a first type of currency and the recipient account is associated with a second type of currency, automatically determining and locking-in an exchange rate, transmitting data corresponding to the exchange rate to the GUI, exchanging an amount of the first type of currency for an amount of the second type of currency based on the exchange rate, transferring an amount for the currency transfer from the wallet application to the recipient account via an omnibus account based on executing a smart contract on a distributed ledger, and transmitting a confirmation of the currency transfer to the GUI of the wallet application.

Systems and method relating to a distributed ledger currency rail are provided. A computer-implemented method includes receiving a funds transfer request message including an amount, a sender, and a recipient; examining the funds transfer request message to identify a sending financial institution associated with the sender and a receiving financial institution associated with the recipient; and determining whether the sending financial institution and the receiving financial institution each operates a node on a permissioned distributed ledger network. The method further includes, in response to determining that the sending financial institution and the receiving financial institution each operates a node on the permissioned distributed ledger network, routing the funds transfer request message to the permissioned distributed ledger network so as to facilitate the funds transfer via digital cash states issued to the sending financial institution and the receiving financial institution in exchange for fiat currency cash.

Systems and methods relating to currency exchange and currency transfer are provided. A computer-implemented method includes receiving, by a provider computing system associated with an accounts provider, a customer request via a mobile wallet application on a mobile device associated with a customer. The customer request includes a currency transfer request from a mobile wallet held by the customer to a recipient. The method further includes identifying the recipient from the customer request and a partner accounts provider associated with the recipient, communicating with the partner accounts provider regarding the currency transfer, transferring an amount for the currency transfer from the mobile wallet to the partner accounts provider via an omnibus account held by the accounts provider on a distributed ledger, and transmitting a confirmation of the currency transfer to the customer.

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Charlotte, NC, United States of America

Matthew Shepherd