# US 2023/0267453 A1 · Apparatuses and methods for calculating foreign exchange advantages

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- Number: US 2023/0267453 A1
- Document ID: US20230267453A1
- Status: Published application
- Kind: A1
- Application number: 18/112,394
- Filed: 2023-02-21
- Published: 2023-08-24
- Earliest claimed: 2022-02-21
- Assignees: Acceleron Bank, Inc.
- Applicants: Acceleron Bank, Inc.
- Inventors: Damon Magnuski; Matthew Henkler; Kevin Minard; Andrew Dillard
- Web page: https://patentgrep.com/patent/US20230267453A1

## CPC

- G06Q 20/381: {Currency conversion}
- G06Q 20/401: {Transaction verification}
- G06Q 40/04: Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
- G06Q 2220/00: Business processing using cryptography
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

An apparatus and method for calculating foreign exchange advantages, the apparatus includes at least a processor and a memory containing instructions configuring the at least a processor to acquire action data from an entity, wherein an element of the action data includes at least a plurality of originators and at least a plurality of receivers, process the action data, wherein processing the action data includes classifying a plurality of action data elements to at least an originator of the plurality of originators and a receiver of the plurality of receivers and classifying the action data against a data store including at least a foreign exchange rate, generate a conversion record as a function of the processed action data, and output the conversion record to a third-party computing device.

## Claims

### Claim 1

An apparatus for calculating foreign exchange advantages, the apparatus comprising:
at least a processor; and
a memory communicatively connected to the processor, the memory containing instructions configuring the at least a processor to:
acquire action data from an entity, wherein an element of the action data comprises:
at least a plurality of originators; and
at least a plurality of receivers;
process the action data, wherein processing the action data comprises:
classifying a plurality of action data elements to at least an originator of the plurality of originators and a receiver of the plurality of receivers; and
classifying the action data against a data store including at least a foreign exchange rate;
generate a conversion record as a function of the processed action data; and
output the conversion record to a third-party computing device.

### Claim 2 (depends on 1)

The apparatus of claim 1, wherein processing the action data comprises processing the action data using an action data machine-learning module.

### Claim 3 (depends on 1)

The apparatus of claim 1, wherein generating the conversion record comprises:
constructing a decision tree as a function of the plurality of advantageous threshold requirements, wherein the decision tree comprises:
a plurality of nodes, wherein each node of the plurality of nodes comprises at least one advantageous threshold requirement of the plurality of the advantageous threshold requirements;
traversing the decision tree based on the action data; and
generating the conversion record as a function of the decision tree traversal.

### Claim 4 (depends on 3)

The apparatus of claim 3, wherein traversing the decision tree comprises:
comparing the action data against the at least one advantageous threshold requirement of the plurality of advantageous threshold requirements at a first node of the plurality of nodes; and
passing the action data to a second node of the plurality of nodes as a function of the comparison, wherein the second node is connected to the first node.

### Claim 5 (depends on 3)

The apparatus of claim 3, wherein the traversing the decision tree comprises:
generating a foreign exchange advantage sub-score for each node of the plurality of nodes as a function of the action data and the at least one advantageous threshold requirement associated with each node of the plurality nodes.

### Claim 6 (depends on 5)

The apparatus of claim 5, wherein generating the conversion record comprises:
aggregating a plurality of foreign exchange advantage sub-scores associated with the plurality of nodes of the decision tree into a foreign exchange advantage score; and
generating the conversion record as a function of the foreign exchange advantage score.

### Claim 7 (depends on 6)

The apparatus of claim 6, wherein aggregating the plurality of foreign exchange advantage sub-scores into the foreign exchange advantage score comprises optimizing the foreign exchange advantage score using a linear optimization module.

### Claim 8 (depends on 1)

The apparatus of claim 1, wherein outputting the conversion record comprises:
sending the conversion record to an end user of the third-party computing device using a chatbot, wherein the third-party computing device is connected to the at least a processor via an application programming interface (API).

### Claim 9 (depends on 8)

The apparatus of claim 8, wherein the chat bot is configured to:
opt the end user into an end-user notification containing the conversion record based on an end user request.

### Claim 10 (depends on 8)

The apparatus of claim 8, wherein the chat bot is configured to:
opt the end-user out of the end user notification containing the conversion record based on an end-user request.

### Claim 11

A method for calculating foreign exchange advantages, the method comprising:
acquiring, by at least a processor, action data from an entity, wherein an element of the action data comprises:
at least a plurality of originators; and
at least a plurality of receivers;
processing, by the at least a processor, the action data, wherein processing the action data comprises:
classifying a plurality of action data elements to at least an originator of the plurality of originators and a receiver of the plurality of receivers; and
classifying the action data against a data store including at least a foreign exchange rate;
generating, by the at least a processor, a conversion record as a function of the processed action data; and
outputting, by the at least a processor, the conversion record to a third-party computing device.

### Claim 12 (depends on 11)

The method of claim 11, wherein processing the action data comprises processing the action data using an action data machine-learning module.

### Claim 13 (depends on 11)

The method of claim 11, wherein generating the conversion record comprises:
constructing a decision tree as a function of the plurality of advantageous threshold requirements, wherein the decision tree comprises:
a plurality of nodes, wherein each node of the plurality of nodes comprises at least one advantageous threshold requirement of the plurality of the advantageous threshold requirements;
traversing the decision tree based on the action data; and
generating the conversion record as a function of the decision tree traversal.

### Claim 14 (depends on 13)

The method of claim 13, wherein traversing the decision tree comprises:
comparing the action data against the at least one of advantageous threshold requirement of the plurality of advantageous threshold requirements at a first node of the plurality of nodes; and
passing the action data to a second node of the plurality of nodes as a function of the comparison, wherein the second node is connected to the first node.

### Claim 15 (depends on 13)

The method of claim 13, wherein the traversing the decision tree comprises:
generating a foreign exchange advantage sub-score for each node of the plurality of nodes as a function of the action data and the at least one of advantageous threshold requirement associated with each node of the plurality nodes.

### Claim 16 (depends on 15)

The method of claim 15, wherein generating the conversion record comprises:
aggregating a plurality of foreign exchange advantage sub-scores associated with the plurality of nodes of the decision tree into a foreign exchange advantage score; and
generating the conversion record as a function of the foreign exchange advantage score.

### Claim 17 (depends on 16)

The method of claim 16, wherein aggregating the plurality of foreign exchange advantage sub-scores into the foreign exchange advantage score comprises:
optimizing the foreign exchange advantage score using a linear optimization module.

### Claim 18 (depends on 11)

The method of claim 11, wherein outputting the conversion record comprises:
sending the conversion record to an end user of the third-party computing device using a chatbot, wherein the third-party computing device is connected to the at least a processor via an application programming interface (API).

### Claim 19 (depends on 18)

The method of claim 18, wherein the chat bot is configured to:
opt the end user into an end user notification containing the conversion record based on an end-user request.

### Claim 20 (depends on 18)

The method of claim 18, wherein the chat bot is configured to:
opt the end user out of the end-user notification containing the conversion record based on an end-user request.