Patent ID: 7873556

Claim:
A system for securitizing margin loans comprising: a data warehouse for storing data for a plurality of brokerage accounts; an account selector for analyzing the data for the plurality of brokerage accounts, and based on the analysis selects a first group of accounts as candidates for securitizing margin loans belonging to the first group of accounts; a flag generator configured to analyze the first group of accounts and flag a plurality of accounts of the first group of accounts, wherein the flagged accounts are identified in the data warehouse; a securitizer configured to transfer margin loans belonging to the flagged accounts from a brokerage company to a trust; a transaction processor configured to analyze transaction data for the flagged accounts and identify transactions in the flagged accounts which affect margin loans belonging to the flagged accounts; a segregator configured to segregate securities held in flagged accounts; and a general ledger operator configured to update a general ledger for the brokerage company, and a general ledger for the trust, to record the transfer of the margin loans to the trust, and update the general ledger of the brokerage company, and the general ledger of the trust to record the effect of any transactions in the flagged accounts which affect the balance of the margin loans for the flagged accounts, wherein the account selector analyzes the account data to select the first group of accounts, such that the first group of accounts includes accounts that have a margin agreement, and excludes accounts that have the ability to short stocks, and wherein the flag generator operates to generate a flag in the data warehouse for each of the flagged accounts, and to identify accounts of the first group of accounts which are not flagged, and to generate a report which identifies reasons for not flagging accounts of the first group which are not flagged, wherein the system further includes a margin interest recalculation processor configured to analyze data in the data warehouse and adjust an accrued margin interest for a flagged account.