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1. WO2021040691 - SYSTEMS AND METHODS FOR MANAGING AN INTEREST RATE FOR DIGITAL ASSETS

Publication Number WO/2021/040691
Publication Date 04.03.2021
International Application No. PCT/US2019/048196
International Filing Date 26.08.2019
IPC
G06Q 20/06 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
04Payment circuits
06Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 40/04 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
04Exchange, e.g. stocks, commodities, derivatives or currency exchange
CPC
G06Q 20/06
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
04Payment circuits
06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
G06Q 40/02
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
G06Q 40/06
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
06Investment, e.g. financial instruments, portfolio management or fund management
Applicants
  • COMPOUND LABS, INC. [US]/[US]
Inventors
  • LESHNER, Robert
  • HAYES, Geoffrey
  • FLATOW, Jared
  • ATCITTY, Torrey
  • BERRY, Coburn
Agents
  • KIM, Allen
Priority Data
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEMS AND METHODS FOR MANAGING AN INTEREST RATE FOR DIGITAL ASSETS
(FR) SYSTÈMES ET PROCÉDÉS DE GESTION D'UN TAUX D'INTÉRÊT POUR LES ACTIFS NUMÉRIQUES
Abstract
(EN)
The disclosed computer-implemented method for managing an interest rate for digital assets may include detecting a transaction event for a blockchain ledger. The transaction event may be associated with a pool of digital assets. The blockchain ledger may include transaction records for the pool and accounts collectively owning the digital assets. Each account may own a proportional portion of the digital assets. The method may include determining a utilization rate of the pool based on a cash balance of the pool and a liabilities balance of the pool. The method may also include determining an interest rate for the pool based on the utilization rate of the pool, and updating an interest rate index for the pool based on the interest rate and a time since a last update. Various other methods, systems, and computer-readable media are also disclosed.
(FR)
L'invention concerne un procédé mis en œuvre par ordinateur pour gérer un taux d'intérêt pour les actifs numériques pouvant consister à détecter un événement de transaction pour un registre de chaîne de blocs. L'événement de transaction peut être associé à un groupe d'actifs numériques. Le registre de chaîne de blocs peut comporter des enregistrements de transaction pour le groupe et des comptes détenant collectivement des actifs numériques. Chaque compte peut lui-même détenir une partie proportionnelle des actifs numériques. Le procédé peut consister à déterminer un taux d'utilisation du groupe sur la base d'un solde liquide du groupe et d'un solide des passifs du groupe. Le procédé peut également consister à déterminer un taux d'intérêt pour le groupe sur la base du taux d'utilisation du groupe, et à mettre à jour un indice de taux d'intérêt pour le groupe sur la base du taux d'intérêt et d'un délai depuis une dernière mise à jour. L'invention concerne également divers autres procédés, systèmes et supports lisibles par ordinateur.
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