US 12,148,040 B1
Systems, methods, and computer products for directing cash flows associated with mortgage-backed securities
Mark David Hanson, Potomac, MD (US); Marian J. Gora, Boca Raton, FL (US); Menner Abdullatief Tatang, Great Falls, VA (US); Kalpana Rumburg, Great Falls, VA (US); Xiaolan Pang, Thousand Oaks, CA (US); and Philip Martin Dunn, Vienna, VA (US)
Assigned to FEDERAL HOME LOAN MORTGAGE CORPORATION (Freddie Mac), McLean, VA (US)
Filed by FEDERAL HOME LOAN MORTGAGE CORPORATION (FREEDIE MAC), McLean, VA (US)
Filed on Jun. 22, 2023, as Appl. No. 18/213,100.
Application 18/213,100 is a continuation of application No. 17/102,339, filed on Nov. 23, 2020, granted, now 11,727,492.
Application 17/102,339 is a continuation of application No. 13/975,894, filed on Aug. 26, 2013, granted, now 10,846,794, issued on Nov. 24, 2020.
Application 13/975,894 is a continuation of application No. 11/473,143, filed on Jun. 23, 2006, granted, now 8,521,644, issued on Aug. 27, 2013.
Claims priority of provisional application 60/693,405, filed on Jun. 24, 2005.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/06 (2012.01); G06Q 40/04 (2012.01)
CPC G06Q 40/06 (2013.01) [G06Q 40/04 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method for optimizing loan collateral into loan pools, the method comprising:
receiving a plurality of loan collateral available to form optimized loan pools, wherein the plurality of loan collateral back an existing mortgage-backed securities (MBS);
analyzing characteristics of the plurality of loan collateral based on an optimization strategy;
assigning each loan collateral among the plurality of loan collateral to a plurality of output loan pools;
directing cash flows from the plurality of loan collateral to the plurality of output loan pools while maintaining the existing MBS;
creating a plurality of new securities backed by the cash flows of the plurality of output loan pools.