Systems and methods for locking in offsets associated with resource requests

Patent metadata

Field	Value
Publication number	US-2025274404-A1
Application number	US-202519207854-A
Country	US
Kind code	A1
Filing date	May 14, 2025
Priority date	Aug 25, 2023
Publication date	Aug 28, 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, an indication of a resource request associated with a property;
determine, based on the property, an offset amount to offset an expected quantity of emissions; and
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 redetermine the offset amount based on one or more improvements to the property.

3 . The computer system of claim 1 , wherein the offset amount is locked in in response to receiving an instruction to initiate the resource request.

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 use the data indicating the one or more characteristics of the property to determine the offset amount.

5 . The computer system of claim 4 , wherein the data indicating the one or more characteristics of the property is obtained from a representation of a resource demand associated with the property.

6 . The computer system of claim 4 , wherein the data indicating the one or more characteristics of the property includes energy usage data.

7 . The computer system of claim 1 , wherein the property is real property.

8 . The computer system of claim 1 , wherein the property is personal property.

9 . The computer system of claim 1 , wherein the instructions, when executed by the computer system, further cause the computer system to determine a data transfer amount for the resource request based on the offset amount and to output the data transfer amount.

10 . The computer system of claim 1 , wherein the instructions, when executed by the computer system, further cause the computer system to determine a data transfer amount for the resource request based on the offset amount and a resource request amount for the resource request.

11 . A computer-implemented method comprising:
receiving an indication of a resource request associated with a property; determining, based on the property, an offset amount to offset an expected quantity of emissions; and locking in the offset amount.

12 . The method of claim 11 , further comprising redetermining the offset amount based on one or more improvements to the property.

13 . The method of claim 11 , wherein the offset amount is locked in in response to receiving an instruction to initiate the resource request.

14 . The method of claim 11 , further comprising obtaining data indicating one or more characteristics of the property and using the data indicating the one or more characteristics of the property to determine the offset amount.

15 . The method of claim 14 , wherein the data indicating the one or more characteristics of the property is obtained from a representation of a resource demand associated with the property.

16 . The method of claim 14 , wherein the data indicating the one or more characteristics of the property includes energy usage data.

17 . The method of claim 11 , wherein the property is real property.

18 . The method of claim 11 , wherein the property is personal property.

19 . The method of claim 11 , further comprising determining a data transfer amount for the resource request based on the offset amount and outputting the data transfer amount.

20 . A non-transitory computer-readable storage medium comprising processor-executable instructions which, when executed, configure one or more processors to:
receive an indication of a resource request associated with a property; determine, based on the property, an offset amount to offset an expected quantity of emissions; and 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