Abstract: A system includes: a closed loop comprising a member; a server operably connected to the closed loop, the server configured to process ownership data regarding ownership of a security by the member; a distribution administrator operably connected to the server, the distribution administrator configured to create a digital token to track ownership of the security by the member, thereby generating updated ownership data; and a security holder configured to hold the security, the security holder further configured to receive a total distribution on behalf of a member of the closed loop, the security holder further configured to send the total distribution to the distribution administrator, wherein the server is further configured to compute, using the updated ownership data, a distribution amount to be paid to a member of the closed loop, wherein the distribution administrator is configured, using the distribution amount, to pay the member the distribution amount.

Abstract: A system includes: a server configured to compute the hidden cost that a user assumes when they purchase an income-producing security; a system database operably connected to the server; a securities data source operably connected to the system database, wherein the server is further configured to compute the hidden cost, using the securities data, using an equation: Purchaser ’ ? s ? Hidden ? Cost = S * R * ( Distribution ? Index ) = S * R * { D ? for ? purchases ? of ? a ? stock ; ( D * T L ) ? for ? a ? purchase ? of ? an ? investment ? fund , ( 2 ) where: S=the number of shares the user wants to purchase, R=the user's tax rate on investment income, D=the total distribution per share, T=the amount of elapsed time since the payment period began, and L=the total amount of time in the payment period; and storage configured to store the computed hidden cost.

Abstract: A system for computing correct income includes: a server configured to retrieve user data; a system database operably connected to the server, wherein the server is further configured to compute, using the undistributed income, using one or more of retrieved user data, security data, and distribution data, the security's correct income on the first distribution after the purchase of the security where the security is still owned at the end of a first payment period after the purchase, using an equation: Correct ? Income ? for ? Security ? Purchase = D * S - Undistributed ? Income = { 0 ? for ? a ? purchase ? of ? a ? stock ; S * ( D * ( 1 - ( T / L ) ) , for ? a ? purchase ? of ? an ? investment ? fund , ( 7 ) where: S=number of shares purchased, D=the total distribution per share, T=the amount of elapsed time since the payment period began, and L=the total amount of time in the payment period.

Abstract: A system includes: a security issuer; a payment agent operably connected to the security issuer, the payment agent configured to instruct the security issuer to send the total distribution for a payment period comprising a plurality of intervals; a bank operably connected to the payment agent, the bank configured to receive the total distribution from the security issuer; and an investor operably connected to the payment agent, the investor operably connected to the bank, the payment agent further configured to compute an individual distribution equitably allocating a portion of the total distribution to an investor who owns the security at the end of at least one of the intervals, thereby computing the individual distribution payable to the investor, the payment agent further configured to instruct the bank to send the individual distribution to the investor, the payment agent further configured to verify that the bank has paid the individual distribution to the investor.

Abstract: A method includes: receiving, by a payment agent, from an issuer of a security, a declaration that the total distribution will be issued by the security issuer; instructing, by the payment agent, to the security issuer, to send to a bank, on behalf of the payment agent, the total distribution for a payment period comprising a plurality of intervals; receiving, by the payment agent, data regarding one or more of a position of the investor in the security at an end of the interval and a length of the interval; computing, by the payment agent, using the data, an individual distribution payable to the investor, the individual distribution equitably allocating a portion of the total distribution to an investor who owns the security at the end of at least one of the intervals; and instructing the bank, by the payment agent, to pay the individual distribution to the investor.

Abstract: A system includes: a security issuer; a payment agent operably connected to the security issuer, the payment agent configured to instruct the security issuer to send the total distribution for a payment period comprising a plurality of intervals; a bank operably connected to the payment agent, the bank configured to receive the total distribution from the security issuer; and an investor operably connected to the payment agent, the investor operably connected to the bank, the payment agent further configured to compute an individual distribution equitably allocating a portion of the total distribution to an investor who owns the security at the end of at least one of the intervals, thereby computing the individual distribution payable to the investor, the payment agent further configured to instruct the bank to send the individual distribution to the investor, the payment agent further configured to verify that the bank has paid the individual distribution to the investor.