The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Aug. 25, 2026
Filed:
Jan. 24, 2025
Microsoft Technology Licensing, Llc, Redmond, WA (US);
Srinath Setty, Redmond, WA (US);
Weidong Cui, Bellevue, WA (US);
Yan Zhang, Beijing, CN;
Fei Xu, Beijing, CN;
Qi Zhang, Beijing, CN;
Feng Sun, Beijing, CN;
Jingchang Sun, Beijing, CN;
Han Li, Suzhou, CN;
Jia Wei, Beijing, CN;
Kanwen Li, Suzhou, CN;
Chenxin Yan, Beijing, CN;
Microsoft Technology Licensing, LLC, Redmond, WA (US);
Abstract
A zero-knowledge CBDC (zkCBDC) banking system uses zero-knowledge proofs to prove that commercial banks are processing transactions correctly. Commercial banks are the provers of the zero-knowledge proof system. The banks generate a zero-knowledge proof for one or more transactions processed by the bank. The banks also generate a hash of the total amount of the transaction(s). The zero-knowledge proof and associated transaction hash are submitted to a blockchain. The blockchain stores a bank state commitment value for each commercial bank in the system and includes a smart contract with code for verifying the zero-knowledge proofs. Once a proof is verified, the bank's state commitment value is updated and the transaction hash is added to the verifier's state.