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February 24, 2026· Frontiers in Business and Finance
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Open access

Privacy-Enhanced Ad Targeting for Social E-Commerce: A Federated Learning Framework with Zero-Knowledge Verification for Creator Monetization

Authors:Xun Yi *

Abstract

The convergence of social networking and electronic commerce has given rise to the social e-commerce paradigm, where content creators serve as the primary drivers of consumer engagement and purchase decisions. However, this ecosystem faces a critical tension between the need for high-precision ad targeting to sustain monetization and the increasingly stringent requirements for user privacy preservation. Traditional centralized recommendation systems require the aggregation of massive user behavioral datasets, creating significant risks of data leakage and violating emerging regulatory frameworks. To address this challenge, we propose a novel framework titled Fed-ZKC (Federated Zero-Knowledge Creator). This architecture synergizes Federated Learning (FL) with Zero-Knowledge Proofs (ZKP) to enable privacy-preserving ad targeting while ensuring verifiable monetization attribution for creators. In our system, user preference models are trained locally on edge devices to prevent raw data transmission, while a cryptographic verification layer ensures that ad interactions are genuine without revealing user identities to the platform or the creators. Extensive experiments conducted on large-scale real-world datasets demonstrate that Fed-ZKC achieves recommendation accuracy comparable to centralized baselines while reducing privacy leakage risks by orders of magnitude. Furthermore, the implementation of succinct non-interactive arguments of knowledge (zk-SNARKs) introduces minimal computational overhead, making the protocol feasible for deployment on modern mobile processors.

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