Patent ID: 7480633

Claim:
A computer-implemented brokerage account application method comprising the steps of: receiving, at a host server, a request to establish a brokerage account including data related to an applicant; forwarding, by said host server, said data to a credit bureau system for credit decisioning; obtaining, in a real-time environment, a credit decision relating to said applicant from said credit bureau system at said host server; in response to a favorable credit decision and said request, establishing a brokerage account with a line of credit for said applicant, wherein said brokerage account is established in real-time via said host server and through a solely automated process; based upon said establishing said brokerage account, granting, through a solely automated process, real-time access to at least one of: buy, sell, and trade within said brokerage account prior to receiving payment from said applicant for an investment; and, facilitating, through said solely automated process, said at least one of buy, sell, and trade within said brokerage account using said line of credit and prior to receiving said payment from said applicant for said investment.