Patent ID: 7590595

Claim:
A computer implemented method of conducting financial transactions over a computerized network, having at least a first client computer connected thereto, comprising: initiating a request at the first client computer for a financial transaction, said request being received at one of a second client computer or a first server; obtaining information, at said second client computer or said first server, from at least one entity having at least one of a third client computer or a second server involved in said financial transaction; confirming, at said second client computer or said first server, with said at least one entity that said financial transaction can be executed; and performing said financial transaction, at said second client computer or said first server, based on predetermined parameters input by at least said one entity, or said client computers or said servers involved in said financial transaction, that optimize capital or risk distribution utilizing at least a netting process, the results of said netting process which include at least one of an optimal number of payments or value transfers, an optimal amount of capital movement, an optimal distribution of risk, or an optimal combination thereof.