MXPA98008413A - Inter money - Google Patents

Abstract

A synthetic currency transaction network that performs transactions with near real-time transaction completion between potential borrowers and potential lenders. Synthetic currency is created by concentrating and dividing into shares a portfolio of highly liquid assets and through frequent evaluation and disbursement of dividends on these assets, in such a way as to maintain the value of the synthetic currency share in unity with the fundamental circulating currency. The synthetic currency network provides user interaction with the synthetic currency transaction network, a database is used to store and maintain records and other information on the network. A transaction administrator manages the accounts of network users and all transactions in the network. A fund accountant manages the information of the network regarding the synthetic currency. A deposit bank acts as custodian for the portfolio of highly liquid assets that underpin the synthetic currency. An investment manager manages the supply of synthetic currency and directs investment decisions. A loan accountant manages all loan activities and loan applications in the synthetic currency transaction network.

Description

INTERNAL MONEY CROSS REFERENCE TO RELATED REQUESTS This invention claims the benefit of the Request U.S. Provisional No. SO / 015,542. filed on April 12, 199S.

BACKGROUND OF THE INVENTION This invention relates to a transaction network for a synthetic coin (commercially designated as Inner Money). More specifically, this invention relates to alternatives for cash transactions that allow users of the transaction network to conduct electronic transactions of current currency in a 24-hour international network * by creating a virtual central bank with near-term transaction completion real. The synthetic currency is created by concentrating and dividing into shares a portfolio of highly liquid assets and through frequent evaluation and disbursement of dividends on these assets, in order to maintain the value of the synthetic currency share in unity with the fundamental current currency. Current cash transaction methods include the transfer of cash using documents or payment instruments. A fork of an instrument must present this instrument to another. or to a financial institution. for your payment. In the case of a check »the bank will verify that there are sufficient funds and then pay cash to the holder and consequently charge to the drawer's account. There are electronic means of debit and credit. However, these systems do not provide for the completion of your transaction or accumulate interest. Currently. the electronic means of transference do not have completion for assets based on interest. For example, there are insufficient funds in the drawer's account. the holder will have to return to the drawer to demand payment of the check before he can receive the cash. A) Yes. in current transactions »there is no transaction completion at the time of the transfer of the instrument or value chip. Simi larly »in securities transfers or mutual funds. Current transaction networks include transaction delays, since transactions must pass through multiple bank systems before finalizing the payment. These delays also prevent cash or current currency assets from accruing interest to the holder while the cash or currency is transferred to the appropriate account. Currently, there is no cash or currency exchange network that continually pays the "holder of cash or assets in current currency" a market interest rate. Currently »potential lenders and Potential borrowers of currency should go through intermediaries to identify each other. Once this occurs, the two parties are then able to make a transaction between them. However, current systems have no means for potential lenders and potential borrowers to obtain information based on real-time transactions with respect to credit ratings of the other party before the transaction. In current systems »since cash or currency is settled during a transaction, current cash or currency assets can not continuously pay interest during the entire transaction.

BRIEF DESCRIPTION OF THE INVENTION The Internal Money network (IM) is a network managed for negotiation and loan of synthetic currency. Two main advantages of the synthetic currency network are the completion of payment in almost real time "and the continued interest in the business instrument. The IM network includes the following main components: a transfer agent »fund accountant» investment adviser »custodian» shareholder servicing agent »database and loan accountant.

The complete IM system allows users to buy and sell shares of mutual funds, or documents »of a concentration of such shares. This saves the users the transaction costs associated with the direct issuance and transfer of shares of mutual funds. He carries out a net transaction with the mutual fund to reconcile the concentration of shares with his demand. These actions are also available for loan. In combination »this allows the IM network to pay a higher return on mutual fund shares than on the mutual fund alone.

BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a diagram of the Inner Money synthetic currency network that shows user work stations »shareholder service agent» fund accountant »investment adviser» transfer agent »loan accountant and deposit bank. Figure 2 is a diagram of the interconnections between the components of the network. Figure 3 is a diagram of an expanded network of inner money. Figure 4 shows the components of a trans erenc a of actions.

DESCRIPTION OF THE PREFERRED MODALITY Dinero Interior (IM) is a synthetic currency transaction network that includes multiple mutual funds, a means to connect potential borrowers with lenders potentials of IM actions; and all of them and techniques for conducting private transactions of IPI shares in an online or offline medium or a hybrid thereof. The IM system allows users to perform transactions in an international 24-hour network with an almost real-time transaction completion. In addition, IM participants can borrow and borrow IM shares from each other based on the borrower's loan rating and a decision of the participating lender. Further. IH participants can buy IM shares over a margin based on a guarantee. This guarantee can be tracked in an off-line or online medium. The shares of IM act as negotiable synthetic currency. Thus, the Internal Money network results in a "super" global virtual central bank. The synthetic currency of IM is created by concentrating and dividing into shares a portfolio of highly liquid assets "and through frequent evaluation and disbursement of dividends on these assets" in such a way as to maintain the value of the I share in unity with the fundamental current currency (e.g., one share of IM = one dollar). In an extended scenario, by mutual agreement of all participants »these units of participation can also be allowed to rise and fall in value as with any other currency. A computer system calculates and executes the transactions necessary to maintain the cost of the action of IH in unit »and calculates and executes the necessary transactions to keep the portfolio sufficiently liquid» while maintaining a high rate of return. Synthetic currency transactions are transactions within a specially created system structure. which allows the participants to transfer funds with final payment of cash. Transactions with synthetic currency of IM have several advantages over traditional cash transactions. First, the synthetic currency of IM continually pays the holder a competitive interest rate. Thus »IM is a new form of" cash "that has transaction completion available with cash and a" gain of interest "feature available with an asset. Secondly »the IM network reduces transaction delays by avoiding multiple bank systems. In this way »the I accrues interest for the holder while the IH cash is transferred. Third, since the I is not liquidated during a transaction, the I can continually pay interest throughout the transaction. The IM transaction network provides a loan and loan application subsystem that arranges credit for IM users and provides a higher yield opportunity for the IM lender. An IM lender can lend IM to a borrower »while retaining the future interest income of IM, and requires from the borrower the Additional interest payment, such as IM + certain percentage. All 1 credit lines are completely guaranteed with collateral. The use of fully backed loans maintains the liquid, stable I system and all the final transactions. In addition, it provides a combined equalization service between IM lenders and quali fi ed IM borrowers. The combination equalization service can also expose the qualification of a potential lender and a potential borrower. For example, a qualification of a potential borrower may be AA or AAA or similar. This rating can be exposed to a potential IM lender and the IM lender can then approve or disapprove a loan to the borrower based on the rating service and other factors. When a loan is made, an IM lender may choose to withhold the interest-bearing aspects of the IM and negotiate an interest payment from the borrower. For example, company A could lend IM shares to company B, so that company B pays IM to company C; company A and ß can negotiate a rate of return, for example M plus a certain additional percentage, which can be the performance of IH plus a certain additional percentage of the value of the IM that company B must pay company A for the loan of the IM . The system of the present invention provides a means to track who has IM, who receives the interest due to the IW and which participants owe points to the other participants.

A combination of sliding loan rates and transaction fees "provides users with incentives to execute IH transactions as quickly as possible. This creates a half transaction with a more uniform distributed transaction arrival rate between the business day. The IM transaction agent system "in conjunction with the synthetic currency of IM, act as a" super "virtual central bank to allow users around the world to make definitive transactions almost in real time. All components of the IM system, unless otherwise indicated »are computer controlled and operated processors, with specific functionality. The functions may include a transfer agent function, a fund accountant function, an investment adviser function, a shareholder service agent function, and a server or database management function. It is understood that the described functionality can be performed on a single computer programmed to perform the described unification "or multiple computers can be deployed in a network. The IM system includes user work stations, computing processors, calculation databases, and communication links to the external financial computing infrastructure. The complete IM network allows users to negotiate in stock concentrations of mutual funds. The network of I save money to a participant, since the network with the transactions of a gross payment system (all transactions made directly with the mutual fund thereby contracting the maximum mutual fund transaction charge) to a system of net periodic payment (the network makes a few net transactions with mutual funds). The network maintains this capacity by establishing (through the analysis of the previous transaction flow) a high and low margin of shares, necessary to absorb the internal dynamics of marketing gross payments within a system of negotiation of external net payments. The concentration of necessary margin shares is guaranteed with collateral by the users, collectively designating a certain percentage of shares to protect pending transactions. For example, a collective designation of 5 percent can establish a sufficient margin for the concentration of tradable shares to require "only 1 time in every 10 transactions, to reconcile a low or high stock balance (for example, that exceeds the concentration margins). ) with the pending mutual fund.

The transaction agent As shown in figures 1 and 2. the transaction rate has five primary functions (1) a transfer rate, (2) a fund counter; (3) an investment adviser; (4) a shareholder services agent, and (5) a database or record management server. The transfer agent (TA) performs the entry registration to the user's accounts (that is, changes to the accounts). The TA reviews, approves and makes final transactions throughout the network. The parameters reviewed above to test a transaction include the number of shares of IM in the concentration, lines of credit, if an action is marked as "prestadle", and if a transaction is marked as contingent on another transaction. The TA under the expanded system performs all of the above and is capable of making transactions on, and with, the stock concentrations of mutual funds. The fund accountant (FA) calculates the rate of return of the IM and warns the TA to take the necessary actions to maintain the value of the IM share in unity with the fundamental circulating currency. The holders of shares of IM can choose if the dividends of IH must buy more shares of IM or must be deposited in cash accounts.

The FA also updates the exchange rates for transfers between different synthetic currencies, such as a transfer between IM in dollars and IH in yens.

Under the expanded system, the FA updates the price of mutual fund shares and calculates exchange rates for transferences between the funds. The investment adviser (IA), for a request to create or settle M of TA, administers in relation to what Private investments (short, medium or long term) must be bought or sold to maintain the high rate of return of IM and high liquidity. This is similar to a treasure function. The IA also remembers the investments matured in other investments to maintain the investment combination of IM. The IA processes advance notices on large orders of purchase or sale of IM acting as necessary to minimize the cost of creating or liquidating IM. Under the expanded system, the IA can offer advice as to which mutual funds of average rate of return or other financial instruments to provide. The IA may establish a unit of participation that is derived from a combination of different mutual funds, securities, promissory notes, letters of credit, negotiable invoices and other electronic commerce. In that case, the IA would function as the IM IA maintaining the concentration (the derivative mutual fund) strategically invested in the mutual funds and other financial instruments fundaméntalas. Instead of administering a unit value by mutual agreement of all the participants, the participating units can also be allowed to rise and fall in value as with any other circulating currency. The shareholder service agent (SSA) provides the interface between the user of the network and the system. Process customer questions regarding the status of a transaction, account balances, and pass other commands from one side to another to the appropriate functional element. The SSA also gives the user the legible printed record of the transaction »as required by the securities regulation. The system maintains a database. Database records include account balances »credit lines guaranteed in collateral» transaction records »yield rates» exchange rates, price information »audit references» "prestable" IM, amounts held / borrowed and evaluation of guarantee.

The loan counter The loan counter (LA) establishes lines of credit for IM users. All lines of credit are fully collateral guaranteed. The LA verifies a first lien on the guarantee and determines daily the value of the guarantee. The LA may require additional deposits or margins to compensate for the lower falls in the guarantees.

The LA calculates the rate of return for the concentration of "loanable" shares of IM and distributes the interest acquired from the loan loaned to the concentration of loan shares. Several loan performance and priority schemes are available. A possible scheme uniquely assigns a particular level of priority and uniformly distributes the liquid products to the concentration of the loan. The LA requests the FA to distribute the liquid products of interest.

The LA is responsible for the collection of all debits and charges associated with the loan function and loan application of the system. In the expanded IM system »LA functionality (guarantee evaluation and concentrated loan performance) can be linked more closely to the multiple funds traded on the network» eg it can be easily evaluated and guaranteed as a guarantee Mutual funds in the system for the IM line of credit. Part or all of the LA system or uncionaldad may also be contained within the transaction agent.

Deposit Bank The deposit bank (DB) acts as an account custodian for the assets that support the IM. It also performs bank functions for the transaction agent. Referring now to Figure 3, under the expanded system the various DBs act as the custodians of other mutual funds. These mutual funds "although they are marketed in the IM system, are governed by their own IA, investment criteria and transaction charges. The IM trading system provides a higher return on these funds, since the transactions made within the margins of the IM network, are made only within the IM system »thus avoiding transaction charges associated with the purchase and sale direct mutual funds. So, I makes net transactions with the mutual funds and passes the savings (that is, the costs derived from gross transactions with the mutual funds) to the user of IM.

Operations The transaction agent can perform three groups of transactions, (1) client transactions, (2) fund management transactions and (3) mutual fund transactions. Client Transactions The client transaction group includes: < 1 > purchase of shares of IH, (2) sale of shares of M, (3) transfer of IM, and (4) exchange of IM. As indicated earlier, interest rates on loans and transaction costs are calculated at a sliding rate. The sliding rate encourages users to execute a transaction as soon as possible. The transfer of money in the IM network uses the following steps. Cash is transferred from a Central Bank System (eg the Fed Wire) to a transaction agent account. If sufficient JIM shares are available in the margin concentration, then the TA transfers the cash in IM shares. If sufficient IM actions are not available in the concentration, then the TA transfers the cash to the IA and requests an increase in the size of the IM concentration. (The action of IM always remains in unit with the fundamental circulating currency). The IA makes a decision as to which assets are required by the IH concentration (for example, "short, medium," or long term) and executes purchase or sale orders for the custodian. As a result, the custodian charges the cash account. When the custodian receives confirmation that the assets are under the control of the transaction agent, the custodian notifies the FA of new holders and rates of return. The FA calculates the new size and dividend over the concentration of IH and warns the TA of the new size of the IM concentration. The TA now transfers the shares to the buyer's IM account. The transfer of money from the IM network to an external cash account uses the following steps. The IM user enters the irrevocable step instruction. The TA reviews the user's IM account to check if there are enough shares. If there are not enough shares present, the applicant inserts a pending queue to wait: (1 >; the receipt of sufficient shares, or (2) if the automatic loan application credits are available and if the instruction contains a credit application, then the transaction is settled for completion and the users' IM credit account is charged to consequence. When enough IM actions are received, the transaction is settled for completion and the user's IM account is charged accordingly. If the concentration of IM is under its high margin mark, the IM shares are returned to the concentration. If the concentration of I is above its high margin, the IA is advised to settle the appropriate amount of MI of the concentration. The IA makes a decision as to which assets are required by the IM concentration (eg, short, medium, or long term) and executes purchase or sale orders for the custodian. After the confirmation of the asset sale, the custodian consequently credits the cash account. When the custodian receives the confirmation that the assets are amortized, the custodian notifies the FA about the liquidated holding companies. The FA calculates the new size and tells about the concentration of IM and warns the TA of the new size of the Iñ concentration. The TA electronically transfers the cash now to the external account designated by the user. The IM transfer feature allows users to transfer (with payment completion) IM actions between some accounts and others. The exchange characteristic of IM allows a user to exchange between different types of IM at the prevailing exchange rates of current currency. For example, a user could exchange his IM in dollars in IM in yen at the current exchange rate of the current currency. Transaction management The transaction management group includes transactions necessary to provide gross demand for supply and demand of IM shares and cash disbursement. The IM network has substantial margins in all accounts, however, a large movement of supply and demand of IM shares must be satisfied through the creation or liquidation of IM shares. Consequently, the system can automatically order the creation or liquidation of IH shares. The network has structural incentives (for example, sliding loan fees and transaction fees) for users to notify the network in advance of large orders to buy or sell IM. This allows the network to optimize the internal supply and demand of IM with large changes in the total concentration of IM. In addition, it allows the network to create or liquidate IM in the most cost efficient manner. The FA continuously monitors and calculates the dividends required to maintain the IM in unity with its fundamental current currency. In addition, the FA will pay dividends in cash (in which case the TA must be invoked to transfer the money to a cash account) or in IM shares (in which case the low margin mark for the concentration of H must be reviewed, and create IM as necessary). Mutual fund transactions The expanded IM network allows users to trade mutual fund shares of a concentration of such shares. As long as the number of shares does not exceed the concentration margin, the transaction is contained within the IM network. The IM network performs net adjustment to size of the mutual fund concentration only when necessary. The custodian and the FA update the share price of the mutual fund. For example, an expanded network could have three concentrations, a synthetic currency concentration of IH, a concentration of mutual fund shares Magel an, and a concentration of mutual fund shares ista Kempfer. The users of the network can buy and sell in the concentrations of mutual funds using the cutie of IM. A board system ds bulletin of purchase and sale The network of IM provides a bulletin board system (for example by means of access within the network or between networks), in which the participants who wish to provide actions of IH can indicate their availability and those participants who wish to apply for IM share loans may indicate their desire to buy IM shares, creating a market or exchange. The bulletin board can expose the rating of the prospective borrower company again, either AA. AAA or waste. The prospective lender can then, on a case-by-case basis, "prove or disapprove who is lending their IM actions. The transaction agent system provides a means to transfer the shares of XM to enable a prospective borrower to receive the shares by means of entry registration and to transfer the shares by means of entry registration to a third party.

The virtual transaction agent A second embodiment of the present invention includes a virtual transaction agent in which sufficient certification and coding techniques are used to code I shares, promissory notes, letters of credit, negotiable bills or other electronic commerce on media of electronic currency such as the electronic means of cash or electronic smart cards, or those described in the US patent No. 5,455,407 for Rosen. A current limitation to the acceptance of the smart card technology is the lack of interest accrued on the saved value. The implementation of IM in the electronic means of cash may require "within the codified notation of the actions of IM" a record of transactions of shares between individuals in their electronic cards "a notation that the characteristic of IM that accrues interest left or "removed" and a notation of loan points. IM transactions are recorded on the electronic representation of the IM action "so that when the IM action is changed outside the IM system, the shareholders of IM can be paid with the appropriate dividend consequently to whom the title belongs. of the actions at any particular moment. This allows the IM action, once created as electronic cash / IM, to act as its own virtual transaction agent, which is negotiating the ownership of the IM action and who receives the benefit of receiving the interest of IM while the IM currency negotiates with the owners to read them on the electronic cards or through the Internet. In this way »the virtual transaction agent feature of" electronic cash "voucher / I., Allows a participant to withdraw the interest-bearing IM characteristic from the IM voucher to allow the A holder to lend IM to the borrower B , thus assuring the A holder the interest payment of IM during the period of the loan. Thus, a novel feature of the present invention is the creation of a synthetic currency that can be transferred between participants outside the transaction agent or within the so-called virtual transaction agent. Another feature of the present invention is an improved fund meter that more closely monitors a participant's guarantee that is used to apply for a loan in the IM network. This allows the participants, especially the corporations, to release capital based on the fundamental guarantee to participate within the II network. This provides the companies that are rich in assets but poor in cash to have access to the synthetic cutie (cash ), that is, the IH. This novel feature of the present invention thus allows a participating company to realize the wealth of the company by collaterally guaranteeing corporate assets in exchange for IM currency.

Coded Share and Active Certificates Another feature of the present invention are the coded stock and asset certificates that can be used to buy inside money within a certain margin of the asset's value. Although not described or discussed in the Rosen patent coding and certification schemes, these schemes can be used to create a novel electronic stock certificate. This electronic certificate of actions is like a carrier instrument in which the individual who legally holds the certificate has a "document" that gives title to the shares. The present invention, by means of the virtual transaction agent, can allow an individual to "buy" inside money up to a predetermined margin by using the electronic certificate of shares as collateral. Thus, the electronic "voucher" that represents the inside money can also encode information about the guarantee that was used to buy the inside money in margin. It is understood that after a predetermined amount of time, the domestic money that was bought over the margin may require coverage. The present invention provides a means for "temporary suspension" and internal money coverage purchased in margin. The present invention also provides a means to secure the asset that was used as collateral to buy the inside money. Thus, the coded electronic certificate of shares of the present invention provides a bribing-proof means for joining or Place a lien on the asset to indicate that the asset was used as collateral to buy domestic money. The present invention also provides a means for the guarantee for "temporary suspension" or liquidation for coverage of the purchase of the internal money. One means of tracking and securing the electronic certificates of shares used to buy inside money is to require the smart card containing the electronic share certificate to transfer the priority rights for the shares to the transaction agent. The transaction agent thereby obtains the means of liquidating the shares "through the priority rights, to protect the purchase of the domestic money margin.

Claims (4)

1. NOVELTY OF THE INVENTION REIVHViP.CACIQI.E5 1. - A synthetic currency transaction network that performs transactions with near real-time transaction completion between potential borrowers and potential lenders; this synthetic currency is created by concentrating and dividing a portfolio of highly liquid assets into shares and through frequent evaluation and dividend disbursement on these assets, in such a way as to maintain the value of the synthetic currency's share in unity with the fundamental currency, said synthetic currency network comprises: means for the interaction of users of the synthetic currency network with said transaction network of synthetic currency; database means for storing and maintaining records and other information used by said synthetic currency transaction network; transaction management means connected in operation to said means for interaction and said database means for managing the accounts of the users of the network and all the transactions of the network; means of fund meters connected in operation to said transaction management means for managing the information of the network with respect to said synthetic currency; deposit bank means acting as custodian for said portfolio of highly liquid assets that underpin said synthetic currency; investment management means connected in operation to said transaction management means and said deposit bank means for managing the provision of the synthetic currency and directing the investment decisions; and loan meter means connected in operation to said transaction management means for managing all loan activities and loan application in said synthetic currency transaction network.
2. 2. The network according to claim 1, characterized in that said means for interaction process customer questions and provide a printed record of the transaction.
3. 3. The network in accordance with claim 1, characterized in that said records comprise one or more of: account balances, credit lines guaranteed in collateral, transaction records, yield rates, exchange rates, price information, audit references, synthetic pre-paid currency, amounts owned, amounts loaned, and guarantee evaluation.
4. 4. The network in accordance with the rei indication 1 »characterized in that said means for counting funds calculates said rate of return of the synthetic currency transaction network» updates exchange rates for transfers between different synthetic currencies »and gives instructions for starting actions to maintain the value of said action of Synthetic currency in unity with the fundamental currency. 5. - The network according to the rei indication 1 »characterized in that said means for transaction management are respondents to make changes in said accounts of the users of the network. G. - The network according to the rei indication 1 »characterized in that said means for transaction management are respondents to initiate actions to maintain the value of said synthetic currency share in unity with the undamental currency, if they are instructed by said means counters of funds, requesting the creation or liquidation of said synthetic currency. 7. The network according to claim 1, characterized in that said means for transaction management are respondents to review »approve and make all the final transactions of the network. 8. The network according to claim 1, characterized in that said means for the administration of investment are respondents to receive requests for said means of transaction management to create or settle synthetic currency. 9. The network according to claim 1 »characterized in that said means for the administration of investment are responsive to determine in which particular investments should be purchased or sold. 10. The network according to claim 1, characterized in that said means for managing investment are respondents to reinvest investments due. 11. The network according to claim 1, characterized in that said means for the administration of investment are responsive to process advance notices on large orders of purchase or sale of synthetic currency. 12. The network according to claim 1, characterized in that said loan counting means are respondents to establish lines of credit for users of synthetic currency. 13. The network according to claim 1 »characterized in that said loan counting means are respondents to calculate the rate of return for the concentration of lending shares of synthetic currency. 14. The network according to claim 1, characterized in that said loan counting means are respondents to distribute the interest acquired from synthetic money preempt to the concentration of loan shares. 15. The network according to claim 1, characterized in that said loan counting means are respondents to collect all the debits and charges associated with the loan function and loan request of the system. The network according to claim 1, characterized in that said loan meter means they arrange the credit for these users of the synthetic currency network. 17. A virtual synthetic currency transaction agent in which synthetic currency shares are encoded and encrypted on an electronic currency means, said agent comprises: means for the interaction of said synthetic currency transaction agent with other agents of currency. synthetic currency transaction; means for storing and maintaining information regarding prior transactions and property of said synthetic currency transaction agent; means to track information regarding the interest on said synthetic currency, said information includes the current owner of the interest and its value; means to track dividends with respect to said synthetic currency; and means to track the charged points for the loan of said synthetic currency. 18.- A method to perform a virtual synthetic currency transaction, said method comprises: transferring synthetic currency to a deposit bank; acquire a portfolio of highly liquid assets through said deposit bank; create synthetic currency by dividing said assets into synthetic currency shares; execute the transactions necessary to maintain such a liquid portfolio, while maintaining a high rate of return; certify and encrypt such synthetic currency shares; coding said synthetic coin actions certified and encrypted on an electronic currency medium; transfer said synthetic coin transferring said synthetic currency shares from an electronic means of currency, to one or more other electronic means of currency; and updating each of said electronic currency means to reflect said transfer. 19.- The method according to the claim 18, characterized in that said electronic coin means is electronic cash. 20. The method according to claim 18, characterized in that said electronic means of currency eon electronic smart cards. 21.- A method to perform synthetic currency transactions with end of payment between users in near real time, said method includes: transferring currency from a line of the network to a user's account; acquire a portfolio of highly liquid assets, said assets used to create a concentration of assets; create synthetic currency; processing a user's request for one or more of said synthetic currency transactions; update the account of said user to reflect the net result of said processing of said user's request; calculate and execute the transactions necessary to maintain said cost of the synthetic currency unit; and calculate and execute the transactions necessary to maintain such a liquid portfolio while maintaining a high rate of return. 22. The method according to the claim 21, further characterized in that it comprises the step of tracking who has synthetic monad, who receives such interest due to said synthetic currency "and which of said users owe points to others of said users. 23.- The method according to the claim 21, further characterized because it comprises the step of paying said interest due. 24.-The method of compliance with the rei indication 21, further characterized in that it comprises the step of anticipating large synthetic currency transactions in such a way as to create or settle synthetic currency automatically in the most efficient manner. 25.- The method of compliance with the claim 21, characterized in that said step of creating synthetic currency comprises dividing said concentration of assets into synthetic currency shares. 26.- The method of compliance with the claim 21 »characterized in that said processing step of a user's request further comprises matching the synthetic currency lenders with qualified synthetic currency borrowers. 27.- The method of compliance with the claim 26, characterized in that the ratings of said lenders and said borrowers are exposed. 28.- The method of compliance with the vindication 2S, characterized in that said lender retains the aspects that accrue interest on that synthetic currency. 29. The method according to claim 26, characterized in that said lender negotiates an interest payment of said borrower. 30.- The method of compliance with the claim 21, characterized in that said step of creating synthetic currency comprises recursively evaluating and disbursing dividends on said concentration of assets to maintain the value of said synthetic currency shares in unity with the aforesaid fundamental currency. 31.- The method according to claim 21, characterized in that said agent of highly liquid assets comprises one or more treasure instruments of short »medium or long term. 32.- The method of compliance with the claim 23, characterized in that said treasury instruments are mutual funds istae. 33. The method according to claim 21 »characterized in that said portfolio of highly liquid assets comprises one or more concentrations of highly liquid assets. 34.- The method according to claim 33, characterized in that said users are allowed to negotiate in one or more of the mentioned concentrations of highly liquid asset shares. 35.- The method of compliance with the claim 21, characterized in that said step of processing the requests of said users comprises buying in said synthetic currency. 36. The method according to claim 35, characterized in that said user request to purchase in said synthetic currency comprises: transferring said currency received from said line of the network to a cash account; verify if sufficient synthetic currency shares are available in said concentration of assets and perform one of the following: transfer said synthetic currency in said synthetic currency shares if sufficient synthetic currency shares are available, or increase the size of the concentration by acquiring new assets if sufficient synthetic currency shares are not available; calculate the new size and dividend on said concentration of assets and the new rate of return; and transferring said synthetic currency shares to said synthetic currency account of the user. The method according to claim 21, characterized in that said step of processing said user requests comprises deprivation of said synthetic currency. 38.- The method according to claim 37, characterized in that said user request for deprivation of said synthetic currency comprises: receiving the payment request instruction from said user, verifying that said user's synthetic currency account has sufficient synthetic currency shares and perform one of the following: keep said payment request in a pending queue until the receipt of sufficient shares, if sufficient of said shares are not available or settle the transaction for completion and consequently debit the synthetic currency user, if there are enough shares available; returning said shares to such concentration if the concentration is below its high margin, liquidating the appropriate assets of said concentration only if its concentration is above its high margin; confirm the sale of said assets and consequently pay cash, calculate new size and dividend on said concentration; and electronically transfer cash to the user's designated external account. 39.- The method according to the claim 21 »characterized in that said step of processing said user request comprises transferring said synthetic coin. The method according to claim 21, characterized in that said step of processing said user request comprises exchanging said synthetic currency. 41.- The method according to claim 21, characterized in that said step of processing said user request comprises reviewing and approving said transaction of synthetic currency. 42.- The method of compliance with the vindication 39, characterized in that said revision comprises reviewing one or more than: synthetic currency shares in 1 to concentration; credit lines; if the action is pressable; and if the transaction is contingent on another transaction. 43.- The method according to claim 21 »characterized in that said first step of calculating and executing comprises maintaining a concentration of shares of margin necessary to absorb the internal dynamics of the realization of said transactions of synthetic currency to save said user money by converting such transactions from a gross payment system to a periodic net payment system. 44.- The method according to claim 41, characterized in that said concentration is guaranteed in collateral by the users that designate a certain percentage of actions to protect pending transactions. 45.- The method according to claim 21 »characterized in that said users comprise potential borrowers and potential moneylenders of synthetic currency. 46.- The method of compliance with the claim 21, characterized in that said method continuously pays the holder of said synthetic currency a competitive interest rate. 47. The method according to claim 21, characterized in that said method reduces the transaction delays by avoiding bank multiples. 48. - The method according to the rei indication 21, characterized in that said method continuously pays said interest throughout the transaction.