Patent ID: 8775285

Claim:
A processor-implemented method for trust certificate management comprising: generating via a processor a first variable interest rate dynamic class certificate associated with a first plurality of payment characteristics derived from an exchange from a base class certificate representing a portion of assets held within a trust; determining, using an optimization model, a second plurality of characteristics of a second variable interest rate dynamic class certificate for an exchange procedure for the certificate holder to exchange the first variable interest rate dynamic class certificate to the second variable interest rate dynamic class certificate, wherein the second plurality of characteristics are constrained by the optimization model; determining, as a condition precedent to making an exchange, whether a set of exchange requirements are satisfied, wherein the set of exchange requirements include at least verifying the second variable interest rate dynamic class certificate has a principal amount equal to the pro rata share of a trust principal and a payable interest equal to the aggregate interest at a net trust rate; rebalancing, when the set of exchange requirements are not satisfied, the second variable interest rate dynamic class certificate; exchanging, when the set of exchange requirements are satisfied, via the processor the first variable interest rate dynamic class certificate for the second variable interest rate dynamic class certificate based on the determined characteristics of the second variable interest rate dynamic class certificate; and transferring via the processor revenue generated by the second variable interest rate dynamic class certificates to a certificate holder in accordance with payment characteristics associated with the second variable interest rate dynamic certificate class.