Multi-Source Liquidity Tracking by Posting Time
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Solution Overview
Problem
Financial institutions face challenges in accurately determining and managing liquidity due to the large volume and varied formats of transactional data from multiple financial data sources, which complicates the calculation of outstanding assets and liabilities in real-time or near real-time.
Innovation Solution
A computer-implemented method and system that processes transactional data from various financial data sources to determine a net liquidity amount by considering the posting time of each transaction, providing enhanced granularity and real-time or near real-time liquidity measures, including alerts and graphical user interfaces for monitoring and reporting.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If transactional data from multiple financial data sources is processed to determine net liquidity amount, then liquidity measurement precision is improved, but data processing complexity increases
Solution Approach 1:
The system segments transactional data by posting time, dividing the continuous data stream into discrete time-based units. This segmentation allows the liquidity determination system to process and analyze transactions in manageable time intervals, improving measurement precision while controlling processing complexity through structured data organization
Solution Approach 2:
The patent introduces an intermediary processing layer that receives transactional data from multiple financial data sources, standardizes the data formats, and transforms them into a unified structure suitable for liquidity calculation. This intermediary layer simplifies the overall processing complexity by handling data integration and transformation before the actual liquidity determination
2Productivity
If real-time or near real-time liquidity determination is implemented, then liquidity management speed is improved, but computational resource consumption increases
Solution Approach 1:
The system implements periodic processing of transactional data based on posting times, determining net liquidity amounts at scheduled intervals rather than continuously. This periodic action enables real-time or near real-time liquidity determination while controlling computational resource consumption by processing data in discrete batches rather than maintaining constant computational activity
Solution Approach 2:
The patent applies preliminary filtering and organization of transactional data by posting time before the actual liquidity calculation. By pre-processing and structuring the data in advance, the system reduces the computational burden during the actual liquidity determination, enabling faster processing with reduced resource consumption
Data Source
AI summary
In an example, a computer implemented method includes obtaining respective transactional data from each financial data source of a plurality of financial data sources, where the respective transactional data is each associated with a posting time. The method also includes determining a net liquidity amount from the respective transactional data based on the posting time of each of the respective transactional data. The method also includes outputting net liquidity data that is representative of the determined net liquidity amount.