Bank of International Settlements and the Swiss National Bank Successfully Test Digital Currencies

In this post (https://mark-skidmore.com/2020/11/12/legislation-for-digital-money-and-digital-wallets/), I noted that the U.S. is preparing legislation to authorize the Federal Reserve to create digital wallets for U.S. citizens and disburse digital currencies via the digital wallets. This link (https://www.snb.ch/en/mmr/reference/pre_20201203/source/pre_20201203.en.pdf) will take you to a document showing that the Bank of International Settlements (BIS) and the Swiss National Bank (SNB) have successfully tested a digital currency proof of concept. The BIS coordinates the activity of central banks globally, including the Federal Reserve: The move to adopt digital currencies is a global effort. This link (https://patentscope.wipo.int/search/en/detail.jsf?docId=WO2020060606) will take you to a pending patent by Microsoft (patent 060606) that was submitted in March 2021, which links digital/cryptocurrency to bodily activity. Is the move by central banks to adopt digital currencies in any way related to Microsoft’s patent?