Patent ID: 7873568

Claim:
A method for electronically managing financial accounts comprising: electronically accessing a collateral account held at a financial institution using a computer; analyzing the collateral account in real time to determine a market value of the collateral account; establishing a loan account secured by the collateral account with the financial institution using the computer, the loan account comprising a separate bank account from the collateral account; determining, by the computer, an initial credit limit of the loan account based on the determined market value of the collateral account; periodically recalculating, by the computer, the market value of the collateral account after the loan account has been established; adjusting, by the computer, the credit limit of the loan account based on the periodically recalculated market value of the collateral account after the loan account has been established; and interfacing the collateral account with the loan account within the financial institution, such that funds at or under the credit limit are automatically available for withdrawal from the loan account, wherein the collateral account includes a brokerage account at the financial institution and the loan account includes a bank account at the financial institution, and wherein the collateral account includes at least one of an equity, a certificate of deposit, a commercial paper, a real estate investment trust, a corporate instrument, a treasury debt instrument, a municipal debt instrument or a derivative instrument.