Abstract: An illustrative computing device may include a processor and a non-transitory memory device for storing a data structure capable of being compressed, where the data structure includes a plurality of data elements and each of the plurality of data elements includes a date field and a quantity field. The computing device may process instructions to arrange the plurality of data elements in a consecutive series in date order based on a value stored in the date field of each data element, determine whether a gap appears in the consecutive series of data elements based on a value stored in the quantity field of each element, remove the determined gaps in each of the data elements, and repeat the determining and removing steps until a predetermined criterion has been reached.

Abstract: An anthropomorphic, artificial intelligence-based system and method to provide benefits products field underwriting and post-enrollment customer services through a cognitive virtual assistant. The system can contact to one or more third-party benefits provider systems to obtain coverage details, provider types and location details, and to modify member coverage types on behalf of the member. The system can contact third-party pharmacy systems to fill medical prescriptions. The system can contact third-party medical services for providing information directed to medical services.

Abstract: A computer method for establishing a commodity price index includes receiving, via a web server, transactions for a plurality of first electronic currency denominated commodity or commodity future contracts, and recording, with a server computer operatively coupled to the web server, settlement prices for the plurality of the first electronic currency denominated commodity or commodity future contracts on a distributed ledger. The computer method includes reading, with the server computer, from the distributed ledger, at least a portion of the first electronic currency denominated commodity or commodity future contracts settlement prices, and determining a current electronic currency index price from the at least a portion of the first electronic currency denominated commodity or commodity future contracts settlement prices. The computer method includes displaying the current electronic currency index price on an electronic display.

Abstract: Systems and methods are disclosed that provide real-time pre-trade risk assessments for multiple parties. In one embodiment, a Programmable Logic Device (PLD) may be embedded within an Automated Trading Systems (ATS) architecture by utilizing the Intel socket G or the PCIe interface to provide pre-trade risk functionality. The system may also provide a method for interacting with the ATS DRAM or L1 cache to provide faster access to orders in ATS memory for PLDs. The system may use the Quick Path Interconnect between an embedded processor and a PLD to transfer memory maps. The system may also add additional libraries to an ATS processor to accelerate the transfer or memory maps to a PLD. The system also may use system interrupts to cancel erroneous orders within an ATS processor from a PLD housed within the same physical architecture.

Abstract: A system to provide end users with recommendations on improving the quality of the incident management process is provided. A computer device identifies a set of historical incident reports, wherein the historical incident reports identify: (i) incident tickets, (ii) one or more skills associated with personnel assigned to the incident tickets, and (iii) whether the incident tickets were resolved within threshold periods of time to resolve. The computing device trains a machine learning model to predict sets of skills associated with resolving incident tickets within the threshold periods of time to resolve based, at least in part, on the identified set of historical incident reports. The computing device assigns a set of personnel to the new incident ticket based, at least in part, on the predicted set of skills associated with resolving the new incident ticket within the threshold period of time to resolve.

Abstract: Systems, methods, and computer-readable storage media utilized receiving a customer request via a graphical user interface (GUI) of a wallet application, extracting transfer information from the customer request based on a smart contract and identifying the transfer information in predefined fields, determining the customer account is associated with a first type of currency and the recipient account is associated with a second type of currency, automatically determining and locking-in an exchange rate, transmitting data corresponding to the exchange rate to the GUI, exchanging an amount of the first type of currency for an amount of the second type of currency based on the exchange rate, transferring an amount for the currency transfer from the wallet application to the recipient account via an omnibus account based on executing a smart contract on a distributed ledger, and transmitting a confirmation of the currency transfer to the GUI of the wallet application.

Abstract: Reconciliation and subscription-model permissions of data stored across independent ledger instances of a database. A system includes a resource manager coupled to a plurality of client accounts. The system includes an execution platform and a shared permissioned ledger comprising independent processing and storage nodes for executing data operations for the plurality of client accounts. The resource manager defines a settlement group comprising one or more client accounts and authenticates an observer node associated with the settlement group. The resource manager assigns ingested data an encryption level on a key hierarchy based on content of the ingested data.

Abstract: A server includes a photo filter module with instructions executed by a processor to identify when a client device captures a photograph. Photograph filters are selected based upon attributes of the client device and attributes of the photograph. The photograph filters are supplied to the client device.

Abstract: A disclosed system, method and computer readable storage medium includes mechanism for controlling cascade price movements in an electronic trading system. Price limits control the prices at which traders can place orders. An upper price limit prevents traders from placing orders above the upper limit and a lower price limit prevents traders from placing orders below the lower limit. The gap between the upper limit and the indicative marked price as well as the gap between lower limit and the indicative market price is controlled so as to cause a breaking effect on very rapidly changing market price.

Abstract: Methods and systems for user definable prioritization of market information are disclosed. An example method to prioritize market information displayed in a window within a trading interface includes updating the market information displayed in the window at a first frequency, wherein the first frequency is to correspond to a first window priority. The example method also includes, based on a trigger activation, assigning a second window priority to the window, wherein the second window priority is to cause the market information displayed in the window to update at a second frequency, the second frequency different from the first frequency.

Abstract: An electronic trading system is configured to trade credit default swap (CDS) futures contracts on an open exchange. The CDS futures contract allows the buyer and seller isolate and trade the credit risk of a third party. The third pay may be a corporation, sovereign government, or any entity that issues bonds or notes. The CDS futures contract seller effectively pays the premium over time in increments determined by market rates and through the natural operation of the open market. The CDS futures contract buyer makes a contingency payment if the CDS futures contract goes in-the-money (ITM). Both sides of the contract are guaranteed by the exchange as a counterparty.

Abstract: A system and methods for third-party access to a network-based system for providing location-based upcoming event information are described. The location-based upcoming event information may be accessed from the network-based system by a server-side web application implemented by a third party. The server-side web application may be configured to communicate with the network-based system that provides online marketplace and ticket fulfillment services and to generate a query based upon the location of a user and other event criteria. The server-side web application may communicate the query to the network-based system and, in response, receive location-based upcoming event information which may be displayed to a user as a list and/or information on a map. The location-based upcoming event information may comprise an aggregate of ticket inventory available from multiple online marketplaces providing the user with multiple purchasing options.

Abstract: A method for detection and use of device identifiers to enhance the security of data transfers between electronic devices. A first electronic device can transmit access data to a second electronic device. The access data can be associated with a first access code that can be generated based at least in part on data representing a device identifier of the first electronic device. A device identifier can uniquely identify the first electronic device from a plurality of electronic devices. Transferring the access data can involve transforming the first access code into a second access code that can include data representing a device identifier associated with the second electronic device. Transforming the first access code into the second access code can facilitate access to a resource associated with the access data for a second user, but not for a first user.

Abstract: A system and method is provided for administering an actively managed fund having shares tradable on an exchange, to support efficient secondary market trading. A Fund Module defines an actively managed ETF. A Portfolio Module tracks a portfolio held by the ETF while maintaining confidentiality of at least a portion thereof. A Basket Module publishes Creation and Redemption Baskets including a subset of the fund portfolio. A Current Valuation Module calculates a current Intraday NAV for the portfolio and Baskets throughout a trading day. A Swap Module provides for periodic entry and exit from NAV Swaps between an ETF Party and Swap Counterparties, who exchange payments based on performance of the fund portfolio and the Fund Basket. A Creation/Redemption Module permits creations and redemptions of ETF shares in exchange for the Fund Basket. Arbitrage is permitted between ETF share price and Intraday NAV without full portfolio disclosure.

Abstract: According to one aspect, the system provides an automated platform for managing R2R, that preserves vendor control over of the communication between retailers. For example, according to one embodiment of the system, only authorized retailers of specific vendors are able to list, request, buy, sell and swap products on the system. In further examples, the system controls execution so that exchanges can occur anonymously, while maintaining the assurances that transactions are facilitated by authorized parties at vendor-set prices. In yet other example, the system permits authorized retailers to list non-performing goods for authorized retailers to obtain by purchase or swap at wholesale cost. In yet other example, the system permits authorized retailers to request goods at wholesale cost and display the requests in a workflow that permits providers execute fulfillment.

Abstract: Embodiments are directed to executing one or more campaigns. Initialization identifiers may be provided to campaign agents associated with campaign owners. The campaign agents may be associated with campaigns based on the initialization identifiers. Resource collection requests may be provided to sources based on source information provided by the campaign agents. Metrics may be provided based on monitoring actions of the sources. Outlier characteristics associated with the resource collection requests may be identified based on a comparison of the metrics to other campaigns. The resource collection requests may be modified based on predicted metrics associated with the outlier characteristics. The modified resource collection requests may be provided to the sources associated with the outlier characteristics. Resources provided from the sources may be distributed to the campaign owners.

Abstract: A method for performing an auction implemented via an exchange computer system, including receiving, from a user device, a security transaction order, receiving a first matching order, initiating a delay timer that runs for a first period of time, determining that the first period of time has expired, initiating an auction timer that runs for a second period of time, receiving, during the second period of time, one or more additional matching orders, wherein each of the one or more additional matching orders includes a request for participation in the auction, determining that the second period of time has expired, and facilitating a transaction based on the security transaction order.

Abstract: The disclosed embodiments relate to implementation of a trading system, which may also be referred to as a trading system architecture, having improved performance which further assures transactional determinism under increasing processing transaction loads while providing improved trading opportunities, fault tolerance, low latency processing, high volume capacity, risk mitigation and market protections with minimal impact, as well as improved and equitable access to information and opportunities.

Abstract: A trade order may be submitted to an electronic exchange and updated, according to pay-up parameter values, in an attempt to receive a complete fill within a period of time. The trade order may comprise an order price and an order quantity when submitted to the electronic exchange. The pay-up parameters may include a pay-up interval, a pay-up amount, a pay-up counter, or a combination thereof. The price of the trade order may continue to be updated after the expiration of pay-up interval in an attempt to receive a complete fill of the trade order. The price of the trade order may be increased or decreased by the pay-up amount. The trade order may continue to be updated until a complete fill is received, the pay-up counter expires, and/or an ending time expires for which the pay-up parameters may be implemented.

Abstract: An electrical computer system processing architecture for providing an indication of activity in the electrical computer system, the electrical computer system processing architecture comprising a plurality of client computers connected to at least one server by a computer network. Each of the client computers is configured to provide requests to the at least one server. The or each server comprises a store for storing requests provided by the plurality of client computers. The or each server is configured to match complementary requests from the plurality of client computers stored in the store. Following the matching of complementary requests, the or each server counts unmatched requests corresponding to one or other of the complementary requests in the store, and outputs the counted number of unmatched requests to provide the indication of activity in the computer system.

Abstract: A method for creating highly accurate construction and renovation estimates and proposals for a client is described. The computer implemented method includes providing a platform to include all of the items and assemblies required in a construction project that make up the construction proposal, including all labor costs, material costs, and additional costs for taxes and mark ups. The method simplifies a highly complex and usually inaccurate process of having to calculate all of the costs associated with construction and renovation, in particular for residential properties, and allows clients to select desired items and receive a highly accurate, detailed estimate and proposal very quickly. The process further includes the ability to make any changes and upgrades quickly because of the unique system which includes linked dimensions, linked line items, and linked assemblies that allows a selection to affect multiple related elements, and further includes all hidden costs for better accuracy.

Abstract: Methods, systems and computer-readable storage media are provided for controlling operation of a trading algorithm based on operating condition rules. Certain embodiments provide a method including determining, using a computing device, an approval of use of a trading algorithm by monitoring for an occurrence of an operating condition defined in an operating condition rule. The example method includes determining if the trading algorithm complies with the operating condition rule during the occurrence of the operating condition. The example method includes sending, using the computing device, a notification to a trading instrument to approve or not approve the use of the trading algorithm. The trading algorithm is to be used to implement a trading strategy.

Abstract: Disclosed herein are systems, methods, and computer program products for communicating a first information node between a seller and a buyer of a production share of verifiable physical goods over a central service layer. A second information node is recorded in the data store covering the verifiable physical goods, wherein the second information node is made by a guarantor in communication with the central service layer. An identifier of the second information node is associated with the first information node over the central service layer. Market information regarding the production share is translated from the first information node and the second information node accessed from the data store using the identifier and integrating the market information regarding the production share into adjusted market information, and the market information regarding the production share and the adjusted market information is transmitted to devices connected over the central service layer.

Abstract: The SECURE MULTI-SERVER INTEREST RATE BASED INSTRUMENT TRADING SYSTEM AND METHODS OF INCREASING EFFICIENCY THEREOF AND ASSOCIATED INTEREST RATE BASED FINANCIAL INSTRUMENT (“IRFI”) provides efficient, secure instrument transactions. The IRFI provides increased trading system security and efficiency for an interest-rate based instrument exchange utilizing a server-based trading platform. The IRFI receives a user selection of a contract including associated characteristic parameters. The IRFI receives user-selected number of contracts to trade associated with a basis point for the contract. An artificial neural network, including at least one input layer, a hidden layer and an output layer, can determine a risk hedging amount based on the basis point for the contract and the selected number of contracts to cover a risk in an auction. The IRFI receives pricing data associated with an auction system, the pricing data including settlement yield and delivery price and determines a delivery amount for the contract.

Abstract: Various embodiments are directed to systems and methods for processing a discretion order in a dark pool matching environment. A first order to buy or sell a trading product is received from a computer of a first trader. The first order has a first price and a first size. A second order to buy or sell the trading product that is contra to the first order is received from a second trader. The second order defines a second quantity and a price range of possible prices at which the second order can be executed. The price range comprises at least a second price. The second quantity of the trading product is reserved in an OMS of the second trader such that the second quantity of the second order is permitted by the OMS to be executed at any price within the price range. The second order is received before or after the first order is received. A processor determines that the first price of the first order is within the price range of the second order.

Abstract: A system for operating a sports gaming event using a graphical interface of a computing device application, the system including: a processor; and a memory coupled to the processor, wherein the memory stores instructions that, when executed by the processor, cause the processor to: receive sports data about a sporting event via a network; access a database of historical statistics relating to the sporting event and to players playing in the sporting event; select at least one betting scenario from a betting scenario database based on the sports data and the historical statistics; calculate an initial probability of the betting scenario occurring based on the sports data and the historical statistics; generate an initial price of the betting scenario based on the initial probability; display the betting scenario and the initial price on the graphical interface; and receive a response to the betting scenario from at least one user.

Abstract: Improved techniques are disclosed for processing transactions or requests in a data processing system. For example, a method for processing requests in a system including a plurality of nodes includes the following steps. At least two nodes of the plurality of nodes receive a plurality of requests. The two nodes exchange information to determine an order for processing requests. The two nodes process the requests in accordance with the order. The order may include a total order or a partial order.

Abstract: Systems and methods for the generation of job-specific contact centers are disclosed. The system may enable customers to generate a contact center during a job bidding phase and/or during pendency of the job. The contact center may enable communications between the customer and one or more contractors. The generated contact center may be both customer specific and job specific. The contact center may include any suitable communication technology, including an interactive voice response (IVR) system.

Abstract: There may be provided a secure ledger network for executing cryptocurrency transactions, the secure ledger network includes at least one hardware processor, a non-transitory machine-readable storage medium having an executable computer readable program code, the at least one hardware processor configured to execute the computer-readable program code to: receive, by the secure ledger network, a request to validate a smart contract that determines at least one rule for performing a transaction related to a first cryptocurrency token, wherein an execution of the transaction comprising determining a price of the first cryptocurrency token based on a status of the first cryptocurrency token, and a status of an other cryptocurrency token; determine whether to validate the smart contract; when determining to validate the smart contract then updating a secure ledger maintained by the secure ledger network with the smart contract; receiving, by the secure ledger network, a request to execute a transaction related to t

Abstract: Improved methods and systems are disclosed for processing data records. A method includes receiving data records from a plurality of sources for a plurality of submitters and adjusting the data records by adding fields to the records. The added fields may provide normalized data. The method may also include parsing the added fields to identify a data window within the data records with at least a threshold of data for a subset of the plurality of submitters, determining data statistics of the data for each submitter for the determined data window, and appending flags to the records according to the data statistics.

Abstract: A system and methods for allocating impressions using an auction comprises a delivery engine, a statistics collector, a forecasting module, and optimization engine and a direct demand source. The delivery engine receives indirect demand, direct demand and optimization information that it uses to allocate impressions and serve ads. The statistics collector is coupled to collect information from the delivery engine and input from the forecasting module. The forecasting module provides information to the optimization to smooth the rate at which direct demand is allocated. The optimization engine receives information from the statistics collector, the forecasting module and the direct demand source to produce optimization information that is used to generate bids for the direct demand.

Abstract: Verification of user identities is an important aspect of computer and network security. In some instances, a first user may attempt to engage with a second user via a web application, mobile phone app, or other software without necessary knowing that the identity of a second user is accurate. The computer security problem of identity verification may be particularly acute when the only contact information is an email address, phone number, or other electronic identifier that can potentially change ownership (e.g. a person may get a new phone number, someone might purchase an Internet domain and thus change ownership of an email address, etc.) This disclosure and claims relate to techniques that allow for enhanced security by verifying an identity of a user via specific prompts and interactions provided via software. Particular credentials may be required in order to verify user identity, including biometrics and other specific required responses.

Abstract: Multiple insurance policies may be grouped or segmented into affinity groups, each of which corresponds to a respective risk level. A set of one or more financial instruments corresponding to a particular affinity group of insurance policies may be created and offered. One or more parties may be procured as investors in at least a portion of the set of financial instruments, thereby securitizing the risk associated with the insurance policies. Profits and/or losses generated by the insurance policies of the affinity group corresponding to the financial instruments may be distributed in accordance with the terms of the financial agreement.

Abstract: Methods and systems for processing financial market data. An electronic communication to be taken in response to detecting a market condition can be defined. Market data can be received. The market condition can be detected. An order to make a trade in a market based on the market condition can be accepted.

Abstract: Technology is disclosed for detecting, classifying, and/or enforcing policies on social networking activity. The technology can store a content policy, classify content posted to a social network, determine that the classification corresponds to the content policy, and apply an action specified by the content policy to the posted content.

Abstract: A facility for facilitating payments from a client to a freelancer is described. The facility provides a mobile app enabling the freelancer to open an account and solicit payments by clients. In response, each client can use any of a variety of forms of electronic payments to pay into the account. The freelancer can use a debit card issued for the account to spend or withdraw payments made into the account, and can use the app to track requests for payment, payments, client activity, and spending and withdrawals from the account.

Abstract: A system and associated method provides a visualization of a life cycle of a trade order. The visualization may be in the form of a tree structure with a plurality of linked nodes. Each node may be associated with an event that occurs during the life cycle of the trade. A monitoring system receives information associated with a plurality of events associated with the trade order, generates a plurality of nodes based on the received information, stores identifiers associated with each of the plurality of nodes, and links the plurality of nodes based on the identifiers to create the tree structure. The monitoring system also performs a verification process to determine whether the visualization is missing information or includes incorrect information and alerts to a discrepancy identified during the verification process.

Abstract: A method for performing an auction implemented via an exchange computer system includes receiving, from a user device, a security transaction order, receiving a first matching order, initiating a delay timer that runs for a first period of time, initiating an auction timer that runs for a second period of time, determining that the first period of time has expired, notifying a plurality of market participants of an auction, receiving, during the second period of time, one or more additional matching orders, wherein each of the one or more additional matching orders includes a request for participation in the auction, determining that the second period of time has expired, and facilitating a transaction based on the security transaction order.

Abstract: A system and method for establishing a verified computing environment for executing data-driven contracts, comprising a cryptographic directed acyclic graph object model of a data-driven contract, wherein at least a subset of the objects in the MDAG correspond to clause state of at least one programmable clause of the data-driven contract; at a computing environment, administrating the data-driven contract in accordance with the MDAG which can include at least one execution instance comprised of: receiving a contract input to contract logic of the data-driven contract, processing the input according to the clause logic, in response to the contract input, generating at least one updated state object and generating at least one output object, and for each generated object, hash-linking the generated object to an object associated with the creation of the generated object.

Abstract: A method for coordinating transactions for domain names to register a plurality of domain names with a domain name portfolio stored in a storage, such that each of the domain names in a plurality of domain names belongs to only the domain name portfolio as a unique member of the domain name portfolio; associate a portfolio account with the domain name portfolio, the portfolio account configured for managing a pool of funds available for use in payment of the transactions for said each of the domain names of the plurality of domain names; receive credit payment instructions attributed to the portfolio account, the credit payment instructions containing a credit payment amount; record the credit payment amount against the pool of funds in order to increase a level of the pool of funds; receive debit payment instructions associated with a domain name of the domain name portfolio and domain name transaction information associated with the transaction for the domain name; record the debit payment amount against th

Abstract: A system and methods for controlled market data delivery are described. According to one example embodiment, upon detecting a preset threshold of updates in a queue at a gateway, a predetermined number of market updates may be processed before any data is sent to a client terminal. According to one method, update types may be used to control how many updates are processed before any data is sent. Also, once the number of updates to be processed is set, a market update having a higher priority update type may be used to trigger a change in the number of market updates that was set for processing.

Abstract: Systems involving a hub platform, communication network, and memory configured for processing data involving time-stamped/time-sensitive aspects and other features are disclosed.

Abstract: The present invention provides a system and method that enables users, such as institutional investors and financial institutions, to interactively engage in capital market transactions, including the trading of Over-the-Counter financial products, via the Internet (including the World Wide Web). The system includes a variety of servers, applications, and interfaces that enable users to interactively communicate and trade financial instruments among one another. Interactive communications supported by the system include: requesting price quotes, monitoring and reviewing quote requests, issuing price quotes, monitoring and reviewing price quotes, negotiation between users, acceptance of price quotes, reporting, portfolio management, analysis of financial information and market data, and communications among users via an automated processor.

Abstract: Embodiments of the transmission latency leveling apparatuses, methods and systems provide an electronic bidding order management infrastructure, such as a “point-of-presence,” which receives and routes electronic trading orders from different trading entities at a server via a transmission medium to create a certain amount of transmission latency before the trading orders could arrive at and be executed at electronic exchanges to reduce latency arbitrage and/or order book arbitrage that may be experienced by high frequency trading participants. A similar transmission latency may be applied to the egress transmission of market data updates issued by an electronic exchange. Other techniques for facilitating electronic trading are also disclosed.

Abstract: A system, method, and non-transitory computer-readable information recording medium allows a user or trader to prepare, and send to an exchange, a trade order using a trading device. The trading device receives market data from an exchange and displays the received market data on a display unit of the trading device. The trading device also receives a trade order instruction via an input device at the trading device and detecting an occurrence of a market update as a function of the received market data within an established trade order time period associated with a time at which the trade order was received. If the occurrence of the market update was detected during the established trade order time period, the execution of the trade order is prevented.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for conducting cardless payment transactions. One of the methods includes receiving, in association with a payment transaction, a message from a customer device that includes data from an optical scan of a code displayed at a merchant point-of-sale. A request to authorize a payment for the payment transaction is received from a merchant computer. Customer and merchant accounts are identified and payment data previously associated with the customer account is accessed. The payment is authorized using the payment data, and notification of authorization is sent to the merchant device or customer device.

Abstract: Systems, computer-implemented methods, and computer program products that can facilitate sensitive data policy recommendation are provided. According to an embodiment, a system can comprise a memory that stores computer executable components and a processor that executes the computer executable components stored in the memory. The computer executable components can comprise an extraction component that can employ an artificial intelligence model to extract compliance data from a data source. The computer executable components can further comprise a recommendation component that can recommend a sensitive data policy based on the compliance data. In some embodiments, the recommendation component can further identify one or more sensitive data entities of a sensitive data dataset that are affected by actionable obligation data of the data source.

Abstract: Systems and methods for optimizing order placement in an electronic trading environment are provided. Global queue holder orders are placed in a tradeable object to reserve quantity for traders. Traders may submit order requests for quantity at price levels at which a global queue holder order is holding quantity. When a trader submits an order for a quantity at a price level at which quantity is being held, a gateway compares the order to the global queue holder order information stored in a database. If the trader's order coincides with a price level at which quantity is held, then the gateway virtually transfers ownership of that quantity to the trader, who then assumes the advantageous queue position. When the quantity associated with the order is filled, the fill information is sent to the gateway, which to the database to determine which trader is associated with the filled order quantity.

Abstract: An electronic exchange computing system is provided that includes a computer storage system, at least one transceiver, and a processing system. The storage system stores an electronic order book. The transceiver receives data transaction requests and transmits messages of an electronic data feed. The processing system generates an identifier, which may be referred to as a transaction identifier, for received data transaction requests. The identifier may be generated in a non-sequential and increasing manner such that it is greater than previously generated identifiers. The processing system will process the data transaction request and generate an electronic data feed message based on how data transaction request is handled. The electronic data feed message is sent to client computing system and includes the generated identifier.

Abstract: A data exchange that provides self-service data provisioning is provided. The data exchange may include a raw data layer, a model data layer, a plurality of workspaces and a testing environment. The raw data layer may be a landing zone for raw data records received from systems of record. The raw data layer may receive a plurality of raw data records, model and process the data records and transfer the data records to the model data layer. The model data layer may be a data layer that includes data modeled to data exchange specifications and enables queries to be executed on the data included in the model data layer. Each workspace may be allocated to a consumer. The consumer may query the plurality of data records within the model data layer. The testing environment may test scripts to ensure that the scripts conform to a predetermined set of testing specifications.