Loan management account
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United States of America Patent
Stats
-
Jan 18, 2011
Issued Date -
N/A
app pub date -
Nov 30, 2004
filing date -
Nov 30, 2004
priority date (Note) -
In Force
status (Latency Note)
Importance
Abstract
One or more brokerage collateral accounts held at a financial institution are provided. A bank loan account secured by at least one of the collateral accounts with the financial institution is established. The bank loan account interfaces with the collateral accounts within the financial institution. The bank loan account has a credit limit that is based on a market value of the secured collateral accounts. The collateral accounts include various types of assets. The loan account includes a revolving line of credit, any number of term loans, or letters of credit. The interest rate of the line of credit may be based on a selected index rate. Further, the loan account may be used as an overdraft account for the secured collateral account. Clients may access both their collateral accounts and their loan account through the brokerage infrastructure including an integrated portal with a network of computers or via telephone.
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