Abstract: A system and method for automatically monitoring brokerage accounts and preemptively, via credit card authorization, transferring funds to said brokerage accounts to avoid non-compliance of maintenance requirements. As brokerage accounts recover and rise above maintenance requirements, funds authorized from credit cards may automatically be refunded.

Abstract: To generate a data packing solution, there is a data structure to define data, and an encoder to encode a first update of data and a second update of data and to prepare for transmission the second update following the first update without regard to a boundary associated with a predefined number of bits. In one embodiment, the predefined number comprises a byte. There can also be a decoder to receive the first and second updates, to determine where the first update ends and the second update begins and to decode the updates. There can also be a transmitter to stream the first and second updates. In another embodiment, the first and second updates are associated with financial market data. In another embodiment, the data structure comprises an XML file.