US 12,321,989 B1
Private credit asset fractionalization
Damien Patton, Plano, TX (US); and Christian Gratton, Eaton Rapids, MI (US)
Assigned to TRETE Inc., Prosper, TX (US)
Filed by TRETE Inc., Prosper, TX (US)
Filed on Mar. 13, 2025, as Appl. No. 19/078,514.
Application 19/078,514 is a continuation of application No. 18/970,475, filed on Dec. 5, 2024.
Application 18/970,475 is a continuation of application No. 18/898,138, filed on Sep. 26, 2024, granted, now 12,190,386.
Application 18/898,138 is a continuation of application No. 18/616,173, filed on Mar. 26, 2024, granted, now 12,131,386.
Claims priority of provisional application 63/615,108, filed on Dec. 27, 2023.
Claims priority of provisional application 63/615,128, filed on Dec. 27, 2023.
Claims priority of provisional application 63/615,145, filed on Dec. 27, 2023.
Claims priority of provisional application 63/615,136, filed on Dec. 27, 2023.
Claims priority of provisional application 63/600,381, filed on Nov. 17, 2023.
Claims priority of provisional application 63/596,471, filed on Nov. 6, 2023.
Claims priority of provisional application 63/515,337, filed on Jul. 24, 2023.
Claims priority of provisional application 63/509,261, filed on Jun. 20, 2023.
Claims priority of provisional application 63/509,257, filed on Jun. 20, 2023.
Claims priority of provisional application 63/509,266, filed on Jun. 20, 2023.
Claims priority of provisional application 63/509,264, filed on Jun. 20, 2023.
Claims priority of provisional application 63/454,622, filed on Mar. 24, 2023.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/06 (2012.01); G06F 16/215 (2019.01); G06F 16/23 (2019.01); G06F 16/27 (2019.01); G06Q 20/36 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 20/42 (2012.01); G06Q 30/0601 (2023.01); G06Q 40/04 (2012.01); H04L 9/00 (2022.01); H04L 67/1097 (2022.01)
CPC G06Q 40/04 (2013.01) [G06F 16/215 (2019.01); G06F 16/2358 (2019.01); G06F 16/2379 (2019.01); G06F 16/275 (2019.01); G06Q 20/363 (2013.01); G06Q 20/3674 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/389 (2013.01); G06Q 20/401 (2013.01); G06Q 20/42 (2013.01); G06Q 30/0613 (2013.01); G06Q 40/06 (2013.01); H04L 9/50 (2022.05); H04L 67/1097 (2013.01); G06Q 2220/00 (2013.01)] 10 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
electronically ingesting capitalization data from another system via an API, the capitalization data defining capitalization of a private credit asset and including fields identifying an investment each of a plurality of investors has invested in the private credit asset;
mapping the capitalization data into an Alternative Trading System (ATS) format;
a continuous learning model automatically suggesting a guardrail share pricing range based on a plurality of pricing factors and defining a minimum share price and a maximum share price;
the continuous learning model identifying a denominator within the guardrail share pricing range and representing a share price;
automatically deepening the guardrail share pricing suggestion capabilities of the continuous learning model based on the capitalization data and the identified denominator;
digitally representing the capitalization of the private credit asset in view of the investment of each of the plurality of investors, including representing interests in the private credit asset and corresponding values;
subsequent to digitally representing the capitalization of the private credit asset and identifying the denominator, fractionalizing the capitalization of the private credit asset utilizing the denominator, including:
creating a plurality of new digital shares of the private credit asset, each new digital share representing part of the capitalization of the private credit asset and having a value of the share price;
creating a corresponding plurality of tokens, each token representatively corresponding to a new digital share, from among the plurality of new digital shares; and
returning the plurality of tokens via the API to the other system in a format desired by a recipient;
automatically and electronically tracking, in a digitally updatable capitalization table, a parent-to-child relationship between the private credit asset and each of the plurality of new digital shares as a corresponding child share, including for each new digital share in the plurality of new digital shares, incorporating metadata into the new digital share tying the new digital share back to the private credit asset; and
performing a buy/sell transaction for a portion of the private credit asset at an ATS exchange based on the share price, including:
electronically transferring at least one token, from among the plurality of tokens, to an ATS exchange managed digital wallet of a new investor in the private credit asset;
incorporating additional metadata into new digital shares corresponding to the at least one token, the additional metadata identifying the new investor; and
updating the digitally updatable capitalization table indicating the new investor has invested in the private credit asset.