Method for dynamic currency pooling interface

Abstract

To provide a system and a method for a dynamic currency pooling interface that overcome inefficiency inherent in a typical computer system that cannot perform a currency exchange without problem and situation awareness.SOLUTION: New analytical processing in a computer system comprises the steps of: (a) improving the computer system through a new instruction and a rule, implemented using software and / or firmware, that enables effective communication based on a transaction currency level with another computer within a computerized network; (b) resolving a key problem situation and perception by filtering data and an instruction to identify performance and client data; and (c) checking a currency balance for allocation in an opportunistic or combinatorial transaction.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present disclosure relates generally to efficient allocation of currency balances in a dynamic currency trading environment. [Background technology]

[0002] One or more computers in a computerized trading network The user can only send and receive data according to his / her role in the network. Computer capabilities are typically used to coordinate operations with parties outside the computerized trading network. Moreover, such computerized trading networks are limited by The use of a secure architecture in the blockchain will ensure efficient management of information flows and currency balances for currency transactions. This restricts the allocation of [Prior art documents] [Patent documents]

[0003] [Patent Document 1] International Publication No. 2007 / 0078755 Summary of the Invention [Problem to be solved by the invention]

[0004] A typical computer system is particularly inefficient because the processor and memory alone are Failure to recognize the problem and context in the exchange, and then to understand the problem and context. For example, in many implementations, one or more The computer above simply accepts input from the user and sends data corresponding to that input. It is a low-level client device that only serves to trust the The recognition of problems or allocation of currency balances by interaction with other devices is usually achieved by limited hardware. Such problems are not understood in the software environment. This is not the case for normal monetary transactions because the context is known, but users usually As users are not familiar with the current state of currency valuation, their perceptions are further hindered by information asymmetry. Moreover, currency denominations, rates, base currency values, and interest rates are constantly changing. Therefore, the efficient allocation of monetary resources requires more than simply mimicking the exchange of fiat currency. stomach.

[0005] Inherent inefficiencies in the typical computer systems described herein may result in However, there is a unique problem with current computers, which lack the ability to recognize dynamic changes in currency values. The current inefficiencies associated with computer and network technology are due to Computers, personal digital assistants, smartphones, netbooks, ultrabooks, laptops The general use of smartphones, tablets, and other connected smart devices is causing excessive and unfiltered This is because the flow of uncollected data to users increases, increasing information asymmetry. A conventional computer system is unable to derive a state from dynamic data using hardware alone. and current practices are unable to effectively recognise dynamic changes in currency levels. Furthermore, it is not possible to allocate currency levels under appropriate circumstances during currency exchange. [Means for solving the problem]

[0006] In accordance with aspects of the present invention, an exemplary embodiment of the present invention is provided for performing a currency exchange without the need for problem and situation awareness. In this regard, the present disclosure provides a method for solving the inefficiencies inherent in conventional computer systems. (a) is carried out using software and / or firmware and is computerized Allows for effective communication with other computers in the network based on trading currency levels (b) improving computer systems through new instructions and rules that allow Filtering orders to identify performance and client data to improve situational and (c) to allow for the identification of key issues and for the allocation in opportunistic or combinatorial transactions; This paper describes a novel analytical process for a computer system that verifies currency balances.

[0007] In an exemplary implementation, at least one electronic currency issuer and a plurality of client devices. The present invention provides a system including a first computerized exchange in a network having A storage medium of a first computerized exchange storing a plurality of computer readable codes. and one or more processors that execute one or more of the computer readable codes. the code further configures the one or more processors to perform the following functions: One or more programs that perform one or more computer readable code functions are set up. The processor transmits to a first computerized exchange a signal to one of the plurality of client devices. and receiving data and instructions from one of the devices and using metadata or data patterns to and instructions to identify performance data, client data and / or instructions. Performance data includes average currency balances, average interest rates, average spreads, and total interest rates. Client data includes one or more of the following: Bank access information to electronic bank accounts and corresponding currency values ​​in electronic bank accounts. The instructions may be, for example, to operate the facility using the currency values. In addition, multiple computers are used to carry out joint or combinatorial transactions. One or more processors executing one or more of the readable code functions are connected to a first computer. and transmitting said bank access information to at least one electronic currency issuer to said exchange. to secure the currency value to be used in opportunistic or combinatorial transactions, and Execute opportunistic or combinatorial transactions upon command. A transaction is a transaction in which some or all of the value of the currency is used to purchase goods or services from one or more secondary computers in the network. Repeatedly securing currency positions from a computerized exchange. Each currency position is validated as a positive change in one or more performance data. One or more processors executing one or more of the computer readable code functions also include After opportunistic or combinatorial transactions are executed on one computerized exchange, Update the currency values ​​and the currency positions allocated for each iteration. and displaying the expected gain value calculated from the positive variation of the Send it as necessary.

[0008] In another exemplary implementation, at least one electronic currency issuer and a plurality of clients A method is provided for including a first computerized switch in a network having devices. A storage medium of a first computerized exchange storing a plurality of computer readable codes. and one or more processors that execute one or more of the computer readable codes. the code further configures the one or more processors to perform the following functions: One or more programs that perform one or more computer readable code functions are set up. The processor transmits to a first computerized exchange the and receiving data and instructions from one of the devices and using metadata or data patterns to and instructions to identify performance data, client data and / or instructions. The performance data will consist of one of the following: average currency balance, average interest rate, average spread, and total interest rate. Client data includes bank access information for electronic bank accounts and electronic The currency value corresponds to the bank account. The command uses the currency value to make opportunistic trades or Further, the present invention relates to a method for executing a combination transaction. One or more processors executing one or more of the and communicating with at least one electronic currency issuer using said bank access information to The currency value used in the fixed or combination transaction is secured, and the opportunity is provided according to the received command. Opportunistic or combinatorial transactions are conducted by the The value may be used in part or in whole to access one or more second computerized The currency positions are repeatedly secured from the exchanges. Each is verified as a positive variation in one or more of the performance data. The one or more processors executing one or more of the code functions also function as a first computer. The system is then equipped with a cryptocurrency exchange that updates currency values ​​after opportunistic or combinatorial transactions are performed. Calculated from the updated currency values ​​and the positive change in the currency position secured for each iteration. and transmitting the estimated potential gain value to one of the plurality of client devices for display. .

[0009] In another embodiment, a plurality of client devices and at least one electronic currency issuer The system includes a storage medium storing a plurality of computer readable codes and a and executing one or more of a number of computer readable codes to control the plurality of client devices. and receiving data and instructions from one of the devices and Filter your orders to see average currency balance, average interest rate, average spread, and total interest rate. Banking data including one or more of the following: Client data corresponding to the currency value corresponding to the currency value, and opportunistic trading or identifies instructions to execute a combination transaction and uses the bank access information to Communicating with one electronic currency issuer to obtain currency values ​​for opportunistic or combinatorial transactions One or more that reserve value and execute opportunistic or combinatorial trades in response to received orders opportunistic or combinatorial transactions may involve the use of some or all of the currency value. and receiving a currency position from one or more second computerized exchanges in the network. Each of the currency positions that are repeatedly secured is After one or more positive changes are verified and opportunistic or combinatorial transactions are executed, Update the currency values ​​and compare the updated currency values ​​with the currency positions of each iteration. and displaying the expected gain value calculated from the positive variation on one of the plurality of client devices. Send accordingly.

[0010] The accompanying drawings, which form a part of this specification and, together with the description set forth below, illustrate the invention. 1 illustrates a specific exemplary implementation of [Brief description of the drawings]

[0011] [Figure 1] 1 is a block diagram of an exemplary system of computerized exchanges in a network having electronic currency issuers and client devices. [Diagram 2] FIG. 1 is a flow diagram of an exemplary method for a computerized exchange in a network having electronic currency issuers and client devices. [Diagram 3] FIG. 1 is a flow diagram of an exemplary method for a computerized exchange in a network having electronic currency issuers and client devices. [Figure 4] 4 is an image of an exemplary interface using the methods of FIGS. 2 and 3 for currency pool trading in a computerized exchange system such as the system of FIG. 1. [Diagram 5] 2 is an image of another exemplary interface using an API for currency pool trading in a computerized exchange system such as the system of FIG. 1. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0012] Systems and methods according to various embodiments of the present disclosure provide a method for detecting problems and Among the above and other shortcomings faced by the conventional method of handling currency exchange without context awareness, The following embodiments can overcome one or more of the above-mentioned problems. Allows for efficient communication with other computers within a trading network based on currency levels Through new instructions and rules implemented using software and / or firmware that (b) improving computer systems to filter data and instructions to obtain grades and Unique situations and problems by identifying client data and instructions for transactions and (c) currency balances for allocation in opportunistic or combination transactions. A new analytical process for a computer system to perform validation is provided.

[0013] Various other features and advantages may be provided in accordance with various embodiments, as described below. State and propose.

[0014] FIG. 1 illustrates a network having electronic currency issuers and client devices, according to various embodiments. FIG. 1 shows an exemplary system 100 of computerized switches in a network. 0 communicates with client devices 115 and electronic currency issuing devices 116 via one or more networks 110. The client device includes a computerized switch 105 connected to a network 120. The device 115 includes one or more smart phones and cellular devices 115A, one or more portable information terminals, 115, one or more laptops, netbooks, tablets, and other mobile computers computer device 115C, and one or more desktop and other fixed computing devices 115 The computerized exchange 105 includes servers 105A, 105D. The server includes one or more servers shown as 105B, 105C, and 105D. These servers are , even if they are configured to cooperate via an internal network structure, or presentation A server, a database server, an application server, or both of these servers may be used to provide the present embodiment. The server may function in a hierarchical structure as other related servers that are similarly configured. 105 and a network to trade currency positions. Additional computerized switches 130, 135 are shown.

[0015] One or more servers 105A-D forming a computerized exchange 105 are shown in FIG. , 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, , independent (e.g., as part of a database) or shared (e.g., on each server 10 5A-D) includes a storage medium. The one or more servers 105A to 105D also include a plurality of computer readable codes. and one or more processors executing one or more of the following code to perform the following functions: One or more additional processors are configured.

[0016] A computerized interchange device that executes one or more of a plurality of computer readable code functions. One or more processors in the computerized exchange 105 may provide the client with The data and the command are received from one of the client devices 115A to 115D via the network 110A. The computer readable code function also causes the computerized switch 105 to Filter data and instructions using metadata or data patterns to generate performance data In one embodiment, one or more resources are identified. Sites such as Bloomberg®, Reuters®, and others Streaming data from market data sources is available for filtering. Related The patterns from the data stream or metadata are used to analyze performance data, client data, and In an exemplary embodiment, the data packet can be used to filter and identify the data and instructions. Metadata signatures attached to packets or data streams identify data from multiple resources. This reduces data asymmetry by providing a basis for filtering the data.

[0017] Performance data includes one or more of the following: average currency balance, average interest rate, average spread, and total interest rate. Such data may be historical or traceable to actual events. The values ​​may be tracked and applied to the presentation of the data stream to approximate the values. In one embodiment, the approximate or exact user evaluation of the historical data is performed based on the data stream described above. The filtering methods disclosed herein can be used to filter data. In another example, the performance data can be used to measure the number of requests for the data within a given time period. The data is specific to the study and the performance data was filtered using the current filters. It is received along with relevant data.

[0018] Client Data includes bank details for the corresponding electronic bank account and the corresponding In one example, the banking information corresponds to one or more electronic currency issuers. It relates to currency values, currency types, and availability from 0. For example, a bank may allocate This can then be used to facilitate opportunistic or combinatorial transactions. In another example, the electronic currency resource may be Bitcoin and E Allows access to computer currencies, including but not limited to cryptocurrencies such as Ether to.

[0019] In one embodiment, access to banking information is granted through password-based authentication, cookies, and Key-based authentication, two-factor authentication, voice matching authentication, fingerprint authentication, public key encryption key authentication, or network authentication. authentication information that includes one or more of the other authentication methods available through the network architecture For example, in a desktop application, the user While mobile devices that include fingerprint scanners can provide two-factor authentication, fingerprint signatures can also be used. The application can be used for authentication and once authenticated, the bank account details can be sent to the third party application. Alternatively, a predetermined authentication can be performed by directly communicating with the user device 115A. 25 to a bank 120C, which then transmits the For example, bank information can be exchanged using an Application Program Interface (API) module. This allows information to be obtained directly from the bank.

[0020] In an exemplary embodiment, the received signal from one of the client devices 115A-D The instruction is to perform an opportunistic or combinatorial transaction using the currency value. A computerized switch 105 that executes one or more computer readable code functions. One or more processors may reserve currency value for use in opportunistic or combinatorial transactions. The electronic currency issuer may then use the bank access information to communicate with the computerized exchange 105. 120A, 120B and 120C. The computer readable code functions executed on one or more processors to execute a received user command. Configure one or more processors to execute opportunistic or combinatorial transactions in response to a do.

[0021] Opportunistic or combinatorial transactions may involve partial or partial withdrawal of the currency value provided during bank access. are used in combination to connect one or more computers other than the computerized exchange 105. The system iteratively obtains currency positions from the integrated exchanges 130, 135. In this embodiment, one or more computerized exchanges 130, 135 are connected to the client device. 115 is a currency exchange located remotely from currency exchange 105 and registered with currency exchange 115. Each iteratively secured currency position is verified as a positive change in one or more performance data points. For example, opportunistic trading may involve a currency with a maximum fluctuation of ±1.30% on a daily basis. Similarly, in another example, non-opportunistic transactions may include daily currency transactions. This may include currency transactions with currencies with a fluctuation of ±0.05%. The one or more processors performing one or more of the read code functions also provide the switch 105 with: Updates currency values ​​after opportunistic or combinatorial transactions are executed and computerized The calculated value is calculated from the updated currency values ​​and the positive change of each repeatedly secured currency position. The calculated potential gain value is transmitted to the client device 115 for display. In one embodiment, the network 110A includes a computerized switch 130 and / or 135.

[0022] 2 and 3 show a network having an electronic currency issuer and a client device according to various embodiments. 1 is a flow diagram of an exemplary method 200, 300 for computerized switching in a network. In an exemplary implementation, the exemplary methods 200, 300 are implemented within the system 100 of FIG. The exemplary method 200 is implemented in accordance with the present invention, Run 300 steps.

[0023] In one implementation, in a network, such as network 100 of FIG. The present invention provides a method 200, 300 for implementation on a computerized switch 105. The system 100 includes at least one electronic currency issuer 120 and a plurality of client devices 115. A computerized exchange for storing a plurality of computer readable codes. In one example, the functions 205, 210, 305, 310 and Each function of the exemplary methods 200, 300, including 315, may be implemented as an independent set of computer readable code. In another example, each of the functions so identified may be one or more processes. and configuring the processors to jointly or independently perform the methods 200, 300 or portions thereof. do.

[0024] In an exemplary implementation, the method 200, 300 comprises a plurality of computer readable codes Configuring one or more processors to execute one or more computer readable code. configures one or more processors to perform the corresponding function. The processor transmits to the computerized switch 105 a number of classes according to step 205. Step 20: The device is configured to receive data and commands from one of the client devices. 5, a computerized exchange 105 using metadata or data patterns The filtering of data and commands received by the By using the metadata or data patterns, may identify the performance data, client data and instructions discussed above.

[0025] As mentioned for the system in Figure 1, the performance data includes average currency balances, average interest rates, and average The performance data includes one or more of the following: spread, total interest rate, and interest rate. The real-time or historical average currency balance, average interest rate, average spread, etc. are calculated using a statistical best-fit process. The spread and total interest rate are applied to the current currency value to determine its relevance to the current currency value. Client data includes bank access information for electronic bank accounts and banking information corresponding to electronic bank accounts. The orders correspond to the currency values ​​that are used for opportunistic or combinatorial transactions. It is for carrying out transactions.

[0026] One or more processors executing one or more of a plurality of computer readable code functions , in accordance with step 210, one or more processors of the computerized exchange 105 By configuring the first computerized exchange, various functions can be performed as described below. For example, in accordance with step 305, one of a plurality of computer readable code functions may be executed. One or more processors executing one or more of the above may be used in opportunistic or combinatorial transactions. and communicating with at least one electronic currency issuer using bank access information to secure the value of the currency. The one or more processors are also configured to trust the one or more processors in step 3, as configured. Execute opportunistic or combinatorial transactions in response to instructions received pursuant to 10.

[0027] In method step 310, the opportunistic or combinatorial transaction is a portion of the currency value or Together, these are used to provide one or more second computerized exchanges 110 in the network 100. Repeatedly secure currency positions from 30 to 135. Each of the variables is verified as a positive change in one or more of the performance data. One or more processors that perform one or more of the functions of the processor may also be computerized. After the opportunistic or combinatorial trade has been executed on the exchange 105, in step 315 Further, the one or more processors may perform the same method step 3. 15, the updated currency value and the positive change in the currency position secured for each iteration a potential gain value calculated from the movement is sent to one of the plurality of client devices for display; The client device 115 is configured to trust the received updated currency value and the expected Block 320 is configured to display the gain value according to various embodiments. A computer in a network 100 having a currency issuing source 120 and a client device 115 The methods 200 to 300 of the data-based switch 105 are then completed.

[0028] FIG. 4 illustrates a computerized system such as the system of FIG. 1 using the exemplary methods of FIGS. 1 illustrates an exemplary interface for conducting currency pool transactions in an exchange system. The exemplary interface of FIG. 4 also illustrates a currency pool in a computerized exchange. Application program interface for acquiring and providing information on transactions ( In an exemplary implementation, the method may include: Each of the methods 20 and 21 in FIG. 4 is an API. The display mode of 0 to 300 is shown. In relation to this, the interface 400 is Updated currency values ​​and amounts as a result of a sweep balance command from interface 400 In another implementation, each computer readable code represents a corresponding A computer designated to perform some of the functions assigned to the computer readable code. It contains a submodule of data-readable code.

[0029] Further, in another example, each computer readable code may be a computerized an exchange 105, any electronic currency issuer 120, a plurality of client devices 115, and Communications between one or more second computerized exchanges 130-135 should be encrypted. In yet another example, the electronic currency issuer 120 is configured to 105. The system is shown providing a balance value 410 for transactions via the exchange 105. In one example, the method allows each client device 115 to configure its own client profile. 105. It is possible.

[0030] In another example, the computerized switch 105 may be an opportunistic or combinatorial Prior to effecting the transaction, a first computerized exchange is connected to the electronic bank account as described above. 105. For example, the currency value is the bank balance of the interface 400. Currency values ​​are typically posted continuously or at each scheduled swap of the balance. This method of performing monetary exchanges is available for opportunistic transactions. and combined with currency transactions in currencies classified as available for non-opportunistic trading. In addition, in certain implementations, combination transactions may include extended features. is a currency transaction in which the currency value remains unchanged after each repeated currency position. The methods 200 to 300 may also include: Combination transactions include currency transactions that are smoothed or liquidated after one or more of the following: For example, computerized exchanges 10 5, each of the client means 115 may receive a command from the API. After the currency positions are secured, the computerized exchange 105 transfers the currency positions to the The currency trade balance becomes zero as it can be smoothed or liquidated.

[0031] In another exemplary implementation, the currency values ​​are used to execute opportunistic or combinatorial transactions. The interface 400 can be used to convert between different currencies. Currency offerings are listed in 405, and unit conversions are available and permitted in methods 200-300. The transaction is then made in the selected currency. The currency values ​​in a given currency position may be in different units of currency. For example, As shown in interface 400, the methods 200-300 are currency agnostic and However, what is particularly important is that Execute performance data, client data, and transaction type as described above for 1-3 Optionally, one or more second computerized Each of the exchanges is also designated to conduct transactions in the same or different currency denominations.

[0032] The implementation of FIG. 4 may also reside on either a fixed or mobile client device, and the user Software that allows users to enhance their currency pooling capabilities provided by banks It also corresponds to an example implementation of the interface of the bank application. The client can support electronic currency issuers that describe the implementation of 1 to 3. Ant devices may belong to individuals or corporate group users. This implementation is limited to up to 75% The software application in Figure 4 efficiently allocates currency balances that generate high net realized interest income. The application does not use current currency values, but rather uses currency pools over a historical period. In one example, the client device is configured to calculate the total profit of performing the optimization. By sharing data, the client device 115 can share data and Manually or automatically collected historical data is used to calculate average balances, average interest rates, average spreads, and Benchmark ratios (e.g. LIBOR spreads) or the total interest received in each currency This information can then be used to approximate any of the following values ​​for future transactions: It can be used as.

[0033] The implementation of FIG. 4 is a standard implementation of the client module of the software in the client device. The accounting system, general ledger, and electronic transaction processor may be used for the Integration with the platform is permitted or approved. User performance, user acceptance and The thresholds and database location of the report file are then set for the software. The Software then communicates with the authorized bank through the Client Device. If approved, the software will obtain the currency value for the transaction from its approved bank. Alternatively, banks supported through electronic currency issuers may A similar architecture is provided for real funds used to process currency transactions on client devices. After installation, when the client device launches the software application, If the cash management is successful, the process to execute the cash management is started. The relevant data is loaded and optimization is started. This allows software applications to communicate with computerized exchanges to exchange currency. Provides client data for approval and instructions for trading. Transaction details are posted to the electronic trading platform. The instructions are uploaded to the platform and user transactions are processed according to the instructions. After the transaction is processed, the daily closing command then uploads the verified transaction data. Expected change compared to taking no action on the existing currency levels before the transaction Calculate the gain (economic profit).

[0034] The implementation of FIG. 4 also includes a feature for locally evaluating performance, The banking system stores transaction data, banking data and client balance data in a computerized system. The realized economic benefits are then uploaded to a computerized exchange and then The results have no access to existing currencies. The action is left on the client when no action is taken and when the action is applied. The difference between executing a transaction and doing nothing is the total amount of currency and the amount of currency This will be made more clear on a monthly basis and will form part of the performance assessment.

[0035] In an exemplary implementation, optimizing currency positions keeps the base currency neutral at close of the day. These features allow for the smoothing of the base currency balance. Mitigate risk ahead of major decisions that may affect currency markets, including policy decisions In general practice, all opportunistic currency transactions are conducted in a neutral benchmark. However, combinatorial (including non-opportunistic and partial quantity) transactions are conducted. As a result, the initial total base currency balance remains unchanged, and finally, a flat base combination (non-opportunistic) is implemented. In the case of the initial total base currency balance (including definite and partial amounts), the base currency is flattened or zeroed out. This ensures that all currencies available for trading are traded.

[0036] In another embodiment, a tenor assessment feature is available and the system and software The system can be used to calculate and display the optimal period for setting currency balances to achieve the maximum interest rate. In this specification, we substitute the base currency with either the bank-side currency or the market-side currency. For example, such a treatment may be economically more beneficial based on performance data. If the system recognizes this, it will take Japanese yen instead of the current base currency, the US dollar. By using it for transactions, we can optimize the performance of computers that recognize transaction content. In certain instances, it is understood that the present invention can be used in combination with other non-limiting examples. Instead of Euro and US Dollar or Pound and US Dollar, use Euro or Pound and Australian Dollar. The software allows for a revaluation process that increases profits through the exchange of different currencies such as the Canadian dollar. In addition, the Software is available for use within the Client Device and for execution by the Parties. The software may include monitoring or diagnostic features that report on the quality of the balance. Amount left or paid via the pricing spread paid to each liquidity provider The system may be configured to determine the amount of the transaction or the amount due.

[0037] FIG. 5 illustrates the currency pooling in a computerized exchange system such as the system in FIG. FIG. 1 is another example interface that utilizes an API for transactions. First, the values ​​shown in the figure are: It is illustrative and does not imply any precision regarding the mathematical interactions between the columns. The graphical user interface (GUI) 500 of the present disclosure is It is designed to prevent errors in dynamic environments such as a distributed currency trading environment. In a dynamic environment, the calculated net opportunity is expressed as a real-time P&L value for multiple currency balances 515 The profit and loss values ​​530 / 535 can change in real time. 500 host computers, networks, or computerized switches Latency or delay (see Figure 1) causes a delay in the selection of a deal at a specified interest rate. Such a delay would cause a significant error in the intended net opportunity value 545. The GUI500 is an electronic exchange with a dynamic interface that provides real-time profit and loss figures. It facilitates currency transactions in the United States and, apart from the outsized losses, the expected gains are at an opportunity cost. Facilitate the execution of the intended transaction.

[0038] In one example, a method for implementing GUI 500 may include one or more Dynamically displays the Bank Interest Rate (Bank IR) value 505. Bank IR 505 is a currency pooling The interest rate may relate to real-time interest rates from one or more banks that hold currency balances for the transaction. ,BankIR represents the real-time interest rate on current balances from any currency issuer. The pool balance 515 represents the value of the currency approved for trading in the currency pool. The mid-market rate 520 is the calculated quote for the exchange of the base currency into the intended currency. Represents a third-party rate that may or may not include an additional reference point on top of the stated ratio. Alternatively, the forward point mid-market 520 represents the currency market interest rate differential between currencies. If the unrealized interest rate is more favorable for a different currency than for the base currency, the interest rate can be used. It may be economically beneficial to convert the base currency into a different currency for the purpose of Such economic benefits take into account any exchange rate requirements to maintain the benefits. FX Sweep Interest 525 represents the unrealized interest rate for each currency. The interest rate is, for example, a forward point, which is a value corresponding to the currency and its spot value. The difference is 520 mid-market rate.

[0039] Net Opportunity 545 is the dynamically calculated profit and loss as a change in Unrealized Interest 525 for Bank I Real-time changes in R505 and forward points Real-time changes in mid-market rates 520 Thus, GUI 500 shows a first value in gain column 530, This represents an indicator dynamically displayed in a particular area of ​​the GUI 500. The GUI 500 also The second of the loss columns 535 shows values ​​that are also dynamically changed for a particular area of ​​the GUI 500. Correspondingly, the rows of the gain column 530 correspond to the positions of the gains in the GUI. The rows of the loss column 535 represent the location of the loss in the GUI 500. These regions are dynamic and selectable.

[0040] In one example, each position (row) of the payoff column 530 represents the payoff in the bank rate of the base currency (columns 515 FX Sweep Balance (from FX Sweep IR column 525) with Unrealized Interest from FX Sweep IR column 525 The dynamic value in the Benefit column 530 therefore provides a dynamic value that indicates the benefit based on a comparison with the pool balance. current, but dynamic, gain on the balance available for trading (FX Sweep Balance 515) The gain is an index representing the gain of a row selected from the gain column 530 via the input tool 560. There is one recorded order associated with it, and it is in a computerized trading system. , the associated currency may be accepted for savings, for example, in the traded currency rather than the base currency. The input tool acts as a pointer operated by the user of GUI500. Selecting row 1 of column 530 at $2600.00 will result in a forward point of The interest rate reflected in the corresponding row is the mid-market rate of 520 (i.e. 1.29%). X. Sweep balance of 515 (i.e. $15,000) is traded with the corresponding authorized balance However, the corresponding bank IR value or forward point mid-market rate is not included in the order. If the value of the selected row suddenly changes dynamically to a loss value due to a change in the gain column 53 There is no calculated gain reflected in 0, so the region is not selectable. Instead, the loss The corresponding row in column 535 is updated with column input 555 to reflect the calculated loss value in the dashed box. By deleting the row entry from the gain column and entering the loss value in the loss column, the currency pool This results in a dynamic interface that prevents errors in foreign currency transactions for the

[0041] The loss column input 555 reflects a dynamic representation of the second values ​​in the column of second values. The different positions of the second value (in the loss column 535) compared to the first value (in the loss column 530) are also displayed in the GUI. 500, which is a selectable area. Unlike the first area, which allows the selection of initiating a trade order. , select one of the fields in the loss column 535 to acknowledge that the gain value has changed to a loss value. This process and the features of GUI 500 may require system wait times. This prevents the user from accidentally selecting a value that has already changed to a loss value due to time. Due to system latency, interest rate changes are reflected later than the time the trade order is executed. Therefore, the dynamic GUI500 prevents orders from being traded improperly. It helps to stop

[0042] GUI50 also includes the approved trade balances of FX Sweep Balance 515 and Bank IR50 5 and the profit and loss area or columns 530 / 535 for real-time interest rate values ​​from FX Sweep IR 525 The values ​​in either the gain or loss columns 530 / 535 are therefore not static, Moves horizontally (column-wise) depending on competing interest rates 505 / 525. Competing interest rates 505 The / 525 and balance are static fields that do not change. Losses or balances due to user input actions In response to selecting a particular position in the Gain column, the approved amount of the corresponding row in FX Sweep Balance 515 is The parameters are given to a computerized trading system to trade orders on the balance. The order may be routed to an appropriate system capable of executing the order for it to be executed.

[0043] The various implementations described above may include one or more integrated circuits or chips for processing and storage purposes. It is applicable in many different operating environments, including electronic devices. Hardware, software and / or software improvements to improve the computer interface capabilities A suitable configuration of the firmware has been disclosed above. The system or method of the present disclosure also Many of the above-mentioned exemplary systems cooperate to perform the same functions disclosed herein. Contains.

[0044] Most of the exemplary implementations described above use TCP / IP, FTP, UPnP, NFS, and CI. Utilize at least one communication network that uses one or more commercial protocols such as FS. The networks 110A and 110B may be a local area network (LAN), a wide area Wide area network (WAN), virtual private network, internet, intranet, Extranets, public switched telephone networks, infrared networks, wireless networks and the above The network may be a wireless or wired network, including a combination of one or more of the networks.

[0045] The present invention relates to a data storage device comprising various data storage and other memory or storage media. These elements are stored on one or more servers as described above. The computer may reside on the server or on a network of servers. For example, the information may reside on a storage area network (SAN). Files that perform functions belonging to a computer, server, or other network device are loaded appropriately. The computer system of the present disclosure, including the client device, may be stored on a local and / or remote device. A computer system is a set of hardware components electrically coupled via data / control / power buses. For example, one or more processors may be integrated into one or more clusters. The client device may further include a central processing unit (CPU) for the client device. At least one input device (e.g., mouse, keyboard, controller, keypad, or touch-sensitive display) and at least one output device (e.g. display, printer Such a client device may also include a disk drive. drives, optical storage devices and random access memories (RAM) or read-only memories (ROM) solid-state storage devices such as EEPROM, as well as removable media devices, memory cards, flash cards, etc. It may include one or more storage devices.

[0046] In another embodiment, the processing power of multiple currency pooling facilitators rather than one The selectable optimizations for the present invention are the use of criteria neutrality, account neutrality, and all It involves processing across all possible combinations of portfolio elements. The data requires additional data inputs (from each facilitator) so that appropriate data The need for data network trafficking, processing and analysis increases. The number of processing cycles increases linearly, but the increment of gain decreases. Potential changes in currency interest rates (e.g., central bank rate hikes, market-driven interest rate movements, or resulting interest rates Reduce the impact of the adjustment (shift in the overall net balance of the facilitator's client) This reduces risk to users. Analysis alone can have negative consequences. When pooled together with other actions, it can be more cost effective while reducing risk from the base currency. Initiate actions that will bring about greater aggregate efficiency levels. Neutral accounts are just as good as neutral currencies. However, taking into account additional data and account information, rather, it measures the potential effect of base currency interest rate fluctuations on users' overall exposure. Neutralize. By valuing all portfolio elements, all Optimization is performed on the portfolio elements, i.e., the most efficient combination is sought. Since all element currencies are used as substitute base currencies to determine the ultimate value, the degree of computational complexity is exponential. Real-time market data can grow exponentially (e.g., 10 For a currency pool, only (10 x number of tenors x issuer x price factor) of market data (MD) is required. is not required, whereas [MD]^9 is required to consider all different combinations of currency pairs. All other processing / computation grows exponentially as well. As traffic and data volumes grow and the need for real-time processing increases, A significant reduction in risk is achieved.

[0047] The apparatus of the present disclosure may also include a computer-readable storage medium reader, a communication device, and Devices (e.g. modems, network cards (wireless or wired), or infrared communication devices) and memos The computer-readable storage medium reader may include a remote, local, fixed, and / or removable storage devices, and for storing computer readable information on a temporary and / or more permanent basis. A computer-readable storage medium representative of a storage medium for automatically storing, preserving, transmitting, and retrieving The system and the various devices are also configured to be connected to or accommodate an operating system. Operating systems and applications such as client applications or web browsers Many software applications, modules, services or Typically includes other elements located within at least one operating memory device. It should be understood that alternative embodiments may have many variations from those described above. For example, customized hardware may be used and / or certain elements may be Implemented in hardware, software (including portable software such as applets), or both. In addition, the device may be connected to other computing devices, such as a network input / output device. A continuation may also be used.

[0048] Storage media and other non-transitory computer readable media for storing the code or portions of the code , RAM, ROM, EEPROM, flash memory or other memory technologies, CD-ROM, Digital versatile discs (DVDs) or other optical storage media, magnetic cassettes, magnetic tapes, magnetic Any magnetic disk storage medium or other magnetic storage device usable to store the desired information, and Optionally, any other media accessible by the system device, including computer readable instructions, data, Any method or technology for storing information, such as data structures, program modules, or other data. Volatile and non-volatile media, removable and non-removable media, and other media implemented by any of the methods known or known in the art. The term may include, but is not limited to, any suitable medium used. Based on the disclosure and teachings herein, a person skilled in the art will be able to contemplate alternative ways and methods for implementing various embodiments. It will be understood that the present invention relates to a method and / or a method for implementing the present invention.

[0049] The specification and drawings are accordingly to be regarded in an illustrative rather than a restrictive sense. Various modifications and variations are contemplated without departing from the broader spirit and scope of the invention as set forth in the following claims. It will be apparent that variations are possible.

Claims

1. A data processing method comprising the steps of: receiving a plurality of data and a plurality of instructions from a client device; filtering the data using a plurality of data patterns based on at least one of the plurality of instructions; (i) a plurality of currency performance data including one or more of a respective average currency balance, a respective average interest rate, a respective average spread, and a respective total interest rate; (ii) The substitution of an amount of the base currency for an amount of a market-based currency to achieve economic efficiency; and (iii) instructions for performing the substitution; and and identifying Executing one or more of the computer readable codes, (a) communicating with at least one electronic currency issuer to reserve a first amount of said near-market currency to effect said substitution; (b) effecting the substitution using at least a portion of the first amount of the near-market currency in accordance with the plurality of instructions; (c) verifying that the substitution is a positive variation of at least one of the plurality of performance data; (d) transmitting to the client device a value of the amount of the near-market currency obtained by the substitution and a value of an expected gain calculated from the positive fluctuation; 13. A data processing method comprising:

2. The economic efficiency includes an average interest rate that is greater than the respective average interest rates for the base currencies.

2. The method of claim 1 .

3. The economic efficiency includes a total interest rate that is greater than the respective total interest rates for the base currencies.

2. The method of claim 1 .

4. The economic efficiency includes a total efficiency level for a first substitution of a first base currency by the near-market currency and a second substitution of a second base currency by the near-market currency.

2. The method of claim 1 .

5. The step of filtering the data includes a step of filtering the data using statistical processing.

2. The method of claim 1 . displaying said quantity value and said potential gain value to a user; dynamically displaying to the user a loss value relative to the base currency; Further comprising:

2. The method of claim 1 .

7. A data processing method comprising the steps of: receiving a plurality of data and a plurality of instructions from a client device; filtering the data using a plurality of data patterns based on at least one of the plurality of instructions; (i) a plurality of currency performance data including one or more of a respective average currency balance, a respective average interest rate, a respective average spread, and a respective total interest rate; (ii) The substitution of an amount of base currency for an amount of pro-bank currency in order to gain economic efficiency; (iii) instructions for performing the substitution; and and identifying Executing one or more of the computer readable codes, (a) communicating with at least one electronic currency issuer to reserve a first amount of the banked currency to effect the substitution; (b) effecting the substitution using at least a portion of the first amount of the bank-promoted currency in accordance with the plurality of instructions; (c) verifying that the substitution is a positive variation of at least one of the plurality of performance data; (d) transmitting to the client device a value of the amount of the banked currency obtained by the substitution and a potential gain value calculated from the positive change; 13. A data processing method comprising:

8. The economic efficiency includes an average interest rate that is greater than the respective average interest rate for the base currency.

8. The method of claim 7.

9. The economic efficiency includes a total interest rate that is greater than the respective total interest rates for the base currencies.

8. The method of claim 7.

10. The method of claim 1, wherein the economic efficiency comprises a total efficiency level for a first substitution of a first base currency by the pro-bank currency and a second substitution of a second base currency by the pro-bank currency.

8. The method of claim 7.

11. The method of claim 10, wherein the step of filtering the data comprises the step of filtering the data using statistical processing.

8. The method of claim 7. displaying said quantity value and said potential gain value to a user; dynamically displaying to the user a loss value relative to the base currency; Further comprising:

8. The method of claim 7.

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