Patents by Inventor Cassandra Seay

Cassandra Seay has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • System and method for margin loan securitization
    Patent number: 8626632
    Abstract: A system and method for securitizing margin loans, wherein a processor system operates to analyze account data for a plurality of accounts, and to identify and flag accounts that are marginable. The process provides for flagging a group of accounts which collectively are representative of a portfolio of marginable accounts held by a brokerage company. The system and method also provides for generating a general ledger for the brokerage company, a SPV, and a trust, wherein these general ledgers track the sale of margin loans belonging to the flagged accounts, from the brokerage company to the trust via the SPV. The system and method further provide for processing transactions in the flagged accounts to identify and classify transactions in the flagged accounts which affect the margin balances for the flagged accounts.
    Type: Grant
    Filed: January 24, 2012
    Date of Patent: January 7, 2014
    Assignee: Charles Schwab & Co., Inc.
    Inventors: Carrie Dolan, Gregg Dolin, Cassandra Seay
  • System and method for margin loan securitization
    Patent number: 8126798
    Abstract: A system and method for securitizing margin loans, wherein a processor system operates to analyze account data for a plurality of accounts, and to identify and flag accounts that are marginable. The process provides for flagging a group of accounts which collectively are representative of a portfolio of marginable accounts held by a brokerage company. The system and method also provides for generating a general ledger for the brokerage company, a SPV, and a trust, wherein these general ledgers track the sale of margin loans belonging to the flagged accounts, from the brokerage company to the trust via the SPV. The system and method further provide for processing transactions in the flagged accounts to identify and classify transactions in the flagged accounts which affect the margin balances for the flagged accounts.
    Type: Grant
    Filed: December 1, 2010
    Date of Patent: February 28, 2012
    Assignee: Charles Schwab & Co., Inc.
    Inventors: Carrie Dolan, Gregg Dolin, Cassandra Seay
  • System and method for margin loan securitization
    Patent number: 7873556
    Abstract: A system and method for securitizing margin loans, wherein a processor system operates to analyze account data for a plurality of accounts, and to identify and flag accounts that are marginable. The process provides for flagging a group of accounts which collectively are representative of a portfolio of marginable accounts held by a brokerage company. The system and method also provides for generating a general ledger for the brokerage company, a SPV, and a trust, wherein these general ledgers track the sale of margin loans belonging to the flagged accounts, from the brokerage company to the trust via the SPV. The system and method further provide for processing transactions in the flagged accounts to identify and classify transactions in the flagged accounts which affect the margin balances for the flagged accounts.
    Type: Grant
    Filed: October 18, 2002
    Date of Patent: January 18, 2011
    Assignee: Charles Schwab & Co., Inc.
    Inventors: Carrie Dolan, Gregg Dolin, Cassandra Seay