公开(公告)号：US20120150568A1

公开(公告)日：2012-06-14

申请号：US13153557

申请日：2011-06-06

申请人： Sharon Greener ,  Mark Higgins ,  Effie Konstantine Anagnostopoulos ,  Paul Young ,  Dan Rothman ,  John Godfrey ,  Mel Gunewardena

发明人： Sharon Greener ,  Mark Higgins ,  Effie Konstantine Anagnostopoulos ,  Paul Young ,  Dan Rothman ,  John Godfrey ,  Mel Gunewardena

IPC分类号： G06Q40/08 ,  G06Q30/06 ,  G06Q40/02

CPC分类号： G06Q40/08 ,  G06Q20/10 ,  G06Q20/381 ,  G06Q20/4016

摘要： The present invention contemplates a risk management system for facilitating an e-commerce transaction wherein the participants to the transaction engage in commerce using different currencies. An automated sales risk management system facilitates a transaction by providing a price of a transaction which incorporates aggregated costs related to the transaction into a price made available to the participants. A currency risk management system can receive an amount relating to a deliverable involved in a transaction and determines an aggregated cost of the transaction. Aggregated cost can include a cost of credit, a cost for exchange of currency, a cost of insurance, processing fees, or other associated costs. Insurance can be monitored and a determination can be made regarding whether a participant has adequate insurance to cover a proposed transaction. The present invention also provides for risk associated with online transactions to be categorized and transferred.

摘要翻译： 本发明考虑了一种用于促进电子商务交易的风险管理系统，其中交易的参与者使用不同的货币进行商务。 自动销售风险管理系统通过提供交易的价格来促成交易，该交易将与交易相关的综合成本纳入参与者可用的价格。 货币风险管理系统可以收到与交易中涉及的交付品相关的金额，并确定交易的合计成本。 总成本可以包括信用成本，货币兑换成本，保险成本，处理费用或其他相关费用。 可以监控保险，并且可以确定参与者是否有足够的保险来支付拟议的交易。 本发明还提供与要分类和转移的在线交易相关联的风险。

公开(公告)号：US06829590B1

公开(公告)日：2004-12-07

申请号：US09702956

申请日：2000-10-31

申请人： Sharon Greener ,  Mark Higgins ,  Effie Konstantine Anagnostopoulos ,  Paul Young ,  Dan Rothman ,  John Godfrey ,  Mel Gunewardena

发明人： Sharon Greener ,  Mark Higgins ,  Effie Konstantine Anagnostopoulos ,  Paul Young ,  Dan Rothman ,  John Godfrey ,  Mel Gunewardena

IPC分类号： G06F1760

CPC分类号： G06Q40/04 ,  G06Q40/025 ,  G06Q40/123

摘要： The present invention provides a method and system to implement risk management of foreign exchange of currency related to an online transaction. According to the present invention an exchange price and a tolerance parameter can be determined for a foreign currency as the foreign currency relates to a base currency. A computer system can receive a spot price relating to a market price for exchange of a foreign currency and compare the spot price with the tolerance parameter. The system can modify the exchange price if spot price exceeds the tolerance parameter. In addition, the system can receive information including the base currency amount involved in an online transaction and transmit the base currency amount and the foreign currency amount, wherein the foreign currency amount is derived according to the exchange price. If desired, a first tolerance parameter and a second tolerance parameter can be utilized, wherein a rise in the spot price is compared to the first tolerance parameter and a fall in the spot price is compared to the second tolerance parameter. In addition, the magnitude of the first tolerance parameter does not need to be equal to the magnitude of the second tolerance parameter. A rise in the spot price can be compared to the tolerance parameter such that the exchange price is modified if the spot price is higher than the tolerance parameter. Similarly, only a fall of the spot price can be compared to the tolerance parameter such that the exchange price is modified if the spot price is lower than the tolerance parameter. Additionally, a spot price can be determined and compared to the tolerance level at predetermined periods of time. An original tolerance level can be modified to create a new tolerance level, if the spot price exceeds the original tolerance level.

摘要翻译： 本发明提供了一种实现与在线交易相关的货币外汇风险管理的方法和系统。 根据本发明，由于外币与基本货币有关，因此可以为外币确定兑换价格和公差参数。 计算机系统可以接收与市场价格相关的现货价格以交换外币，并将现货价格与公差参数进行比较。 如果现货价格超过公差参数，系统可以修改汇价。 此外，系统可以接收包括在线交易中涉及的基本货币金额的信息，并且传送基础货币金额和外币金额，其中根据交换价格导出外币金额。 如果需要，可以使用第一公差参数和第二公差参数，其中将现货价格的上升与第一公差参数进行比较，并将现货价格的下降与第二公差参数进行比较。 此外，第一公差参数的大小不需要等于第二公差参数的大小。 可以将现货价格上涨与公差参数进行比较，如果现货价格高于公差参数，交易价格将被修改。 同样，只有现货价格的下降可以与公差参数进行比较，以便如果现货价格低于公差参数，则交易价格将被修改。 此外，可以确定现货价格并将其与预定时间段的容限水平进行比较。 如果现货价格超过原始公差水平，则可以修改原始公差水平以创建新的公差水平。

公开(公告)号：US07979347B1

公开(公告)日：2011-07-12

申请号：US09714315

申请日：2000-11-16

申请人： Sharon Greener ,  Mark Higgins ,  Effie Konstantine Anagnostopoulos ,  Paul Young ,  Dan Rothman ,  John Godfrey ,  Mel Gunewardena

发明人： Sharon Greener ,  Mark Higgins ,  Effie Konstantine Anagnostopoulos ,  Paul Young ,  Dan Rothman ,  John Godfrey ,  Mel Gunewardena

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q20/10 ,  G06Q20/381 ,  G06Q20/4016

摘要： The present invention contemplates a risk management system for facilitating an e-commerce transaction wherein the participants to the transaction engage in commerce using different currencies. An automated sales risk management system facilitates a transaction by providing a price of a transaction which incorporates aggregated costs related to the transaction into a price made available to the participants. A currency risk management system can receive an amount relating to a deliverable involved in a transaction and determines an aggregated cost of the transaction. Aggregated cost can include a cost of credit, a cost for exchange of currency, a cost of insurance, processing fees, or other associated costs. Insurance can be monitored and a determination can be made regarding whether a participant has adequate insurance to cover a proposed transaction. The present invention also provides for risk associated with online transactions to be categorized and transferred.

摘要翻译： 本发明考虑了一种用于促进电子商务交易的风险管理系统，其中交易的参与者使用不同的货币进行商务。 自动销售风险管理系统通过提供交易的价格来促成交易，该交易将与交易相关的综合成本纳入参与者可用的价格。 货币风险管理系统可以收到与交易中涉及的交付品相关的金额，并确定交易的合计成本。 总成本可以包括信用成本，货币兑换成本，保险成本，处理费用或其他相关费用。 可以监控保险，并且可以确定参与者是否有足够的保险来支付拟议的交易。 本发明还提供与要分类和转移的在线交易相关联的风险。

公开(公告)号：US07024383B1

公开(公告)日：2006-04-04

申请号：US09526606

申请日：2000-03-16

申请人： Robert S. Mancini ,  Daniel J. Rothman ,  Mark Higgins ,  John Henry Godfrey ,  Paul M. Young ,  Arun M. Gunewardena ,  Sharon Greener ,  Effie Konstantine Anagnostopoulos

发明人： Robert S. Mancini ,  Daniel J. Rothman ,  Mark Higgins ,  John Henry Godfrey ,  Paul M. Young ,  Arun M. Gunewardena ,  Sharon Greener ,  Effie Konstantine Anagnostopoulos

IPC分类号： G06F16/60

CPC分类号： G06Q30/08 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/04

摘要： A computer-implemented method for providing risk management for online transactions. An exchange price for a foreign currency relative to a base currency is entered into a host computer. The host computer will also receive data descriptive of one or more transactions involving the foreign currency that occurred within a predetermined time period. The data will include a transaction amount. Currency is exchanged according to the entered price and the transaction amounts contained in the data. A risk exposure for the predetermined time period can be calculated based upon an aggregate amount of currency involved in transactions during the predetermined time period. The risk exposure can be based upon market data relating to the price of the foreign currency. The present invention can be implemented to capture each transaction amount that relates to a sale occurring on an e-commerce site. Currency is automatically exchanged at the price entered for the local currency. Transactions can include an online sales transaction consummated over a computerized communications network, a retail transaction between a business and a retail customer, a business to business transaction, an online auction transaction or any other quantifiable transaction.

摘要翻译： 一种用于为在线交易提供风险管理的计算机实现方法。 外币相对于基础货币的兑换价格输入到主计算机。 主机还将接收描述涉及在预定时间段内发生的外币的一个或多个交易的数据。 数据将包括交易金额。 货币根据所输入的价格和数据中包含的交易金额进行交换。 可以基于在预定时间段期间交易涉及的货币的总量来计算预定时间段内的风险敞口。 风险敞口可以基于与外币价格相关的市场数据。 可以实现本发明以捕获与在电子商务站点上发生的销售有关的每个交易金额。 货币根据当地货币输入的价格自动交换。 交易可以包括通过计算机化通信网络完成的在线销售交易，商业和零售客户之间的零售交易，企业对商业交易，在线拍卖交易或任何其他可量化的交易。