Systems and methods for locking in offsets associated with resource requests

Patent metadata

Field	Value
Publication number	US-12028275-B1
Application number	US-202318455862-A
Country	US
Kind code	B1
Filing date	Aug 25, 2023
Priority date	Aug 25, 2023
Publication date	Jul 2, 2024
Grant date	Jul 2, 2024

Abstract

Methods and computer systems for locking in offsets associated with resource requests. Receiving input of a resource request amount for a resource request, the resource request associated with a defined period of time and a property. Determining, based on data indicating one or more characteristics of the property, a metric representing an expected quantity of emissions over the defined period of time. Identifying an application programming interface capable of processing a request to lock in an amount for an offset product. Using the application programming interface and the metric to determine an offset amount to offset the expected quantity of emissions. Determining a periodic data transfer amount for the resource request that is based on the resource request amount and the offset amount. Outputting the periodic data transfer amount. Receiving an instruction to initiate the resource request and using the application programming interface to lock in the offset amount.

First claim

What is claimed is:

1. A computer system comprising:
a communications module;
one or more processors coupled to the communications module; and
a memory coupled to the one or more processors and storing instructions that, when executed by the computer system, cause the computer system to:
receive, via an input interface, input of a resource request amount for a resource request, the resource request associated with a defined period of time and a property;
obtain data indicating one or more characteristics of the property;
determine, based on the data indicating one or more characteristics of the property, a metric representing an expected quantity of emissions over the defined period of time;
identify an application programming interface capable of processing a request to lock in an amount for an offset product;
use the application programming interface and the metric to determine an offset amount to offset the expected quantity of emissions;
determine a periodic data transfer amount for the resource request that is based on the resource request amount and the offset amount;
output the periodic data transfer amount;
receive an instruction to initiate the resource request; and
use the application programming interface to lock in the offset amount.

2. The computer system of claim 1 , wherein the instructions, when executed by the computer system, further cause the computer system to provide an input interface including a selectable option to redetermine the periodic data transfer amount based on one or more emission-reducing improvements to the property.

3. The computer system of claim 1 , wherein the instructions, when executed by the computer system, further cause the computer system to include in the resource request an amount set aside for emission-reducing improvements to the property.

4. The computer system of claim 1 , wherein the instructions, when executed by the computer system, further cause the computer system to provide an input interface including a selectable option to purchase the determined offset amount of the offset product.

5. The computer system of claim 1 , wherein the instructions, when executed by the computer system, further cause the computer system to provide an input interface including a selectable option to initiate the resource request, wherein the resource request includes an amount for the determined offset amount.

6. The computer system of claim 1 , wherein the data indicating one or more characteristics of the property includes travel data relating to travel between the property and another location.

7. The computer system of claim 1 , wherein the data indicating the one or more characteristics of the property includes historical data indicating energy usage corresponding to use of the property.

8. The computer system of claim 1 , wherein the instructions that, when executed by the computer system, cause the computer system to identify the application programming interface capable of processing a request to obtain offsets include instructions that further cause the computer system to identify the application programming interface, from amongst a plurality of application programming interfaces, based on a certification of the offset product.

9. The computer system of claim 1 , wherein the instructions that, when executed by the computer system, cause the computer system to identify the application programming interface capable of processing a request to obtain offsets include instructions that further cause the computer system to identify the application programming interface, from amongst a plurality of application programming interfaces, based on a project type of the offset product.

10. The computer system of claim 1 , wherein the instructions that, when executed by the computer system, cause the computer system to identify the application programming interface capable of processing a request to obtain offsets include instructions that further cause the computer system to identify the application programming interface, from amongst a plurality of application programming interfaces, based on a location of an offset project of the offset product.

11. A computer-implemented method comprising:
receiving, via an input interface, input of a resource request amount for a resource request, the resource request associated with a defined period of time and a property;
obtaining data indicating one or more characteristics of the property;
determining, based on the data indicating one or more characteristics of the property, a metric representing an expected quantity of emissions over the defined period of time;
identifying an application programming interface capable of processing a request to lock in an amount for an offset product;
using the application programming interface and the metric to determine an offset amount to offset the expected quantity of emissions;
determining a periodic data transfer amount for the resource request that is based on the resource request amount and the offset amount;
outputting the periodic data transfer amount;
receiving an instruction to initiate the resource request; and
using the application programming interface to lock in the offset amount.

12. The method of claim 11 , further comprising providing an input interface including a selectable option to redetermine the periodic data transfer amount based on one or more emission-reducing improvements to the property.

13. The method of claim 11 , further comprising including in the resource request an amount set aside for emission-reducing improvements to the property.

14. The method of claim 11 , further comprising providing an input interface including a selectable option to purchase the determined offset amount of the offset product.

15. The method of claim 11 , further comprising providing an input interface including a selectable option to initiate the resource request, wherein the resource request includes an amount for the determined offset amount.

16. The method of claim 11 , wherein the data indicating one or more characteristics of the property includes travel data relating to travel between the property and another location.

17. The method of claim 11 , wherein the data indicating the one or more characteristics of the property includes historical data indicating energy usage corresponding to use of the property.

18. The method of claim 11 , wherein identifying the application programming interface capable of processing a request to obtain offsets includes identifying the application programming interface, from amongst a plurality of application programming interfaces, based on a of certification of the offset product.

19. The method of claim 11 , wherein identifying the application programming interface capable of processing a request to obtain offsets includes identifying the application programming interface, from amongst a plurality of application programming interfaces, based on a project type of the offset product.

20. A non-transitory computer-readable storage medium comprising processor-executable instructions which, when executed, configure one or more processors to:
receive, via an input interface, input of a resource request amount for a resource request, the resource request associated with a defined period of time and a property;
obtain data indicating one or more characteristics of the property;
determine, based on the data indicating one or more characteristics of the property, a metric representing an expected quantity of emissions over the defined period of time;

Assignees

• Toronto Dominion Bank

Inventors

• Tax David Samuel
• Dunjic Milos
• Gupta Pranay Chander
• Bajaj Hitesh
• Rastogi Kushank
• Aguiar Abeera

Classifications

• G06Q40/04

  Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange · CPC title

• H04L47/826 Primary

  Involving periods of time · CPC title

• H04L47/762 Primary

  triggered by the network · CPC title