Digital Currency Voucher Generation Patent Granted to People's Bank of China
Summary
The USPTO granted patent US12602683B2 to Digital Currency Institute (People's Bank of China) covering methods and systems for generating, verifying, and storing digital currency transaction vouchers. The patent describes acquiring blockchain-style chain structure data in response to transaction requests and generating denomination-specific transaction vouchers with cryptographic sub-chains for traceability and security. The patent contains 18 claims and was filed on March 21, 2022.
What changed
The USPTO granted patent US12602683B2 to Digital Currency Institute, a subsidiary of the People's Bank of China, covering methods and apparatuses for generating, verifying, and storing digital currency transaction vouchers. The technology involves acquiring chain structure data of a digital currency upon receiving a transaction request, then generating a transaction voucher corresponding to the transaction denomination that includes a second currency string and a sub-chain with current transaction information. The patent aims to provide transaction traceability while improving data reading and storage efficiency.
For investors and financial technology companies, this patent represents a potential IP consideration for developers of digital currency, blockchain-based payment systems, or transaction voucher technologies. The Chinese central bank's subsidiary holds intellectual property rights that may affect competitive positioning in digital payment innovation. Legal and IP teams should review the patent claims (G06Q 20/387, G06Q 20/38215, and related classifications) when developing similar transaction verification or digital currency storage systems to assess potential licensing needs or design-around requirements.
Archived snapshot
Apr 17, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
Methods and apparatuses for generating, verifying and storing transaction voucher, devices and system
Grant US12602683B2 Kind: B2 Apr 14, 2026
Assignee
Digital Currency Institute, the People's Bank of China
Inventors
Wei Liang, Kefeng Xu, Yongchao Bian
Abstract
Methods and apparatuses for generating, verifying and storing a transaction voucher, devices and a system are provided. The method includes: in response to a received transaction request, chain structure data of a digital currency is acquired, the chain structure data including a first currency string (S101); and a transaction voucher corresponding to a denomination of a current transaction is generated based on the chain structure data, the transaction voucher including a second currency string of a corresponding denomination and a second sub-chain, and the second sub-chain including current transaction information of the second currency string (S102). On the one hand, a pay warrant is provided for a transaction, so that the transaction is traceable, and the security of the transaction is ensured. On the other hand, the reading and storage efficiency of transaction data can be improved, and the transaction efficiency and the user experience can also be improved.
CPC Classifications
G06Q 20/387 G06Q 20/38215 G06Q 20/3825 G06Q 20/3827 G06Q 20/3829 G06Q 20/389 G06Q 20/401 G06Q 20/223 G06Q 20/3678 G06Q 20/382 G06Q 20/065 G06Q 30/0207 H04L 2209/56 H04L 9/50
Filing Date
2022-03-21
Application No.
18283779
Claims
18
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