Apparatus, System, and Method for Quantifying Bundling, and Applying Credits and Incentives to Financial Transactions
First Claim
1. An apparatus comprising a computer program storage medium readable by a processor and embodying one or more instructions executable by a processor to perform a method for determining incentives for green transactions, the apparatus comprising:
- an analysis module configured to quantify respective values of at least one green incentive from a group of green incentives;
a bundling module configured to bundle the values that have been quantified according to at least one party of interest; and
an execution module configured to apply at least a portion of the values of the at least one green incentive that have been quantified to at least one financial transaction on behalf of the at least one party of interest.
2 Assignments
0 Petitions
Accused Products
Abstract
An apparatus, system, and method for quantifying, aggregating and bundling green incentives based on green construction enables applying at least a portion of the credits/incentives to financial transactions. Quantification includes estimating and/or monitoring usage of utilities, comparing the usage to a predetermined baseline value, and valuating an effectual energy savings that includes actual savings plus incentive values. Quantification relies on a database, which may include credits, deductions, and other green incentives data that contribute to the effectual savings. The effectual savings may be applied to early repayment of a mortgage loan, improved terms for the loan, investment in securities, and/or other trading. The method standardizes values of green incentives in energy units and/or monetary units. The method aids in qualifying the building projects based on a concrete estimation of the effectual energy savings. The method forms a bridge between green or sustainable/renewable technologies and the financial institutions and markets.
55 Citations
35 Claims
-
1. An apparatus comprising a computer program storage medium readable by a processor and embodying one or more instructions executable by a processor to perform a method for determining incentives for green transactions, the apparatus comprising:
-
an analysis module configured to quantify respective values of at least one green incentive from a group of green incentives; a bundling module configured to bundle the values that have been quantified according to at least one party of interest; and an execution module configured to apply at least a portion of the values of the at least one green incentive that have been quantified to at least one financial transaction on behalf of the at least one party of interest. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
-
-
25. A method of quantifying a green incentive and applying the green incentive to a financial transaction, the method comprising:
-
automatically quantifying respective values of at least one green incentive from a group of green incentives; automatically bundling the values of the at least one green incentive that have been quantified, wherein bundling the values is for at least one party of interest; and automatically applying at least a portion of the values of the at least one green incentive that have been quantified to at least one financial transaction on behalf of the at least one party of interest. - View Dependent Claims (26, 27, 28, 29, 30, 31, 32, 33, 34, 35)
-
Specification