Systems and methods for locking in offsets associated with resource requests

Patent metadata

Field	Value
Publication number	US-2025071070-A1
Application number	US-202418665810-A
Country	US
Kind code	A1
Filing date	May 16, 2024
Priority date	Aug 25, 2023
Publication date	Feb 27, 2025
Grant date	—

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 the communications module, a resource request amount for a resource request, the resource request associated with a property;
determine, based on the property, an offset amount to offset an expected quantity of emissions;
determine a data transfer amount for the resource request that is based on the resource request amount and the offset amount;
output the data transfer amount; and
use an 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 use the application programming interface to determine the offset amount to offset the expected quantity of emissions.

3 . The computer system of claim 1 , wherein the instructions, when executed by the computer system, further cause the computer system to determine the expected quantity of emissions based on one or more characteristics of the property.

4 . The computer system of claim 1 , wherein the instructions, when executed by the computer system, further cause the computer system to obtain data indicating one or more characteristics of the property and determine the expected quantity of emissions based on the data indicating one or more characteristics of the property.

5 . The computer system of claim 1 , wherein the instructions, when executed by the computer system, further cause the computer system to determine, based on the property, a metric representing the expected quantity of emissions over a defined period of time and use the metric to determine the offset amount to offset the expected quantity of emissions.

6 . The computer system of claim 1 , wherein the resource request is associated with a defined period of time.

7 . The computer system of claim 1 , wherein the data transfer amount is a periodic data transfer amount.

8 . The computer system of claim 1 , wherein the instructions, when executed by the computer system, further cause the computer system to receive an instruction to initiate the resource request.

9 . 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.

10 . 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 data transfer amount based on one or more emission-reducing improvements to the property.

11 . A computer-implemented method comprising:
receiving a resource request amount for a resource request, the resource request associated with a property; determining, based on the property, an offset amount to offset an expected quantity of emissions; determining a data transfer amount for the resource request that is based on the resource request amount and the offset amount; outputting the data transfer amount; and using an application programming interface to lock in the offset amount.

12 . The method of claim 11 , further comprising using the application programming interface to determine the offset amount to offset the expected quantity of emissions.

13 . The method of claim 11 , further comprising determining the expected quantity of emissions is based on one or more characteristics of the property.

14 . The method of claim 11 , further comprising obtaining data indicating one or more characteristics of the property and determining the expected quantity of emissions based on the data indicating one or more characteristics of the property.

15 . The method of claim 11 , further comprising determining, based on the property, a metric representing the expected quantity of emissions over a defined period of time and using the metric to determine the offset amount to offset the expected quantity of emissions.

16 . The method of claim 11 , wherein the resource request is associated with a defined period of time.

17 . The method of claim 11 , wherein the data transfer amount is a periodic data transfer amount.

18 . The method of claim 11 , further comprising receiving an instruction to initiate the resource request.

19 . The method of claim 11 , further comprising providing an input interface including a selectable option to initiate the resource request.

20 . A non-transitory computer-readable storage medium comprising processor-executable instructions which, when executed, configure one or more processors to:
receive a resource request amount for a resource request, the resource request associated with a property; determine, based on the property, an offset amount to offset an expected quantity of emissions; determine a data transfer amount for the resource request that is based on the resource request amount and the offset amount; output the data transfer amount; and use an application programming interface to lock in the offset amount.

Assignees

• Toronto Dominion Bank

Inventors

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

Classifications

• H04L47/762 Primary

  triggered by the network · CPC title

• G06Q40/04

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

• H04L47/826 Primary

  Involving periods of time · CPC title