Systems and methods for using social network data to validate a loan guarantee are disclosed. An example system may include a social networking input circuit to interpret a loan guarantee parameter; a social network data collection circuit to collect data using a plurality of algorithms that is configured to monitor social network information about an entity involved in a loan in response to the loan guarantee parameter; and a guarantee validation circuit to validate a guarantee for the loan in response to the monitored social network information.

Systems and methods of robotic process automation system for negotiation are disclosed. An example system for negotiating refinancing of a loan includes a data collection and monitoring circuit for collecting a training set of interactions between entities for at least one loan refinancing activity; an automated loan classification circuit that is trained on the training set of interactions to classify at least one loan refinancing action; and a robotic process automation circuit that is trained on a plurality of loan refinancing actions classified by the automated loan classification circuit and a plurality of loan refinancing outcomes to undertake a loan refinancing activity on behalf of a party to a loan.

A system and method of smart contract and distributed ledger platform with blockchain authenticity verification includes a blockchain service circuit structured to interface with a distributed ledger; a data collection circuit structured to receive data related to a set of items of collateral that provide security for a loan: a smart contract circuit structured to create a smart lending contract for the loan and assign at least a portion of the set of items of collateral to the loan, thereby creating an assigned set of items of collateral; wherein the blockchain service circuit is further structured to record the assigned set of items of collateral to a loan-entry in the distributed ledger, and wherein each of the blockchain service circuit, the data collection circuit, and the smart contract circuit further comprise a corresponding application programming interface (API) component structured to facilitate communication among the circuits of the system.

A system and method of automated debt management with machine learning is disclosed. An example system may include a data collection circuit to collect information about entities involved in debt transactions, a training data set of outcomes related to the entities, and a training set of debt management activities. The system may also include a condition classifying circuit to classify a condition of at least one of the entities and an automated debt management circuit to manage an action related to a debt. The condition classifying circuit may include a model trained using the training data set of outcomes related to the entities.

A system and method of varied terms and conditions of a subsidized loan includes a data collection circuit structured to receive data related to a plurality of items of collateral; a collateral classification circuit structured to identify, among the plurality of items of collateral, at least one group of related items of collateral, wherein each member of the at least one group shares a common attribute; and a smart contract circuit structured to create a smart lending contract, wherein the smart lending contract defines a subset of items of collateral as security for a set of loans, wherein the subset of items of collateral is selected from the at least one group of related items of collateral.

A system for data collection and loan activities is disclosed. The system may include a data collection circuit to receive data relating to a status of a loan and a set of items of collateral acting as security for the loan. The system may further include a blockchain service circuit to maintain a secure historical ledger of events related to the loan, and to interpret a plurality of access control features corresponding to parties associated with the loan. The system may further include a loan evaluation circuit to determine a loan status based on the received data, a smart contract circuit to create a smart lending contract for the loan, and an automated agent circuit to perform a loan action based on the loan status, wherein the blockchain service circuit is further structured to update the secure historical ledger of events with the loan action.

A system and method of an automated agent to automatically implement loan activities includes a data collection circuit structured to receive data related to at least one of a plurality of parties to a loan; a smart contract circuit structured to create a smart lending contract for the loan; and an automated agent circuit structured to automatically perform a loan-related action in response to the received data, wherein the loan-related action is a change in an interest rate for the loan, and wherein the smart contract circuit is further structured to update the smart lending contract with the changed interest rate.

Various embodiments are described herein for methods, devices and systems that can be used to track at least one emission type generated, directly or indirectly, by an entity. In one example embodiment, the system includes an emission tracking device coupled to the entity, where the emission tracking device receives a first emission data received at a first time and a second emission data received at a second time after implementation of one or more emission reduction steps. The system further includes an external processor in communication with the emission tracking device, where the external processor is configured to analyze the first emission data to determine an emission baseline, analyze the second emission data to determine a second emission output value, and determine an emission offset measurement corresponding to the at least one emission type based on the emission baseline and the second emission output value.

Improved energy conservation, including realization of a ZNET (Zero Net Energy including Transportation) paradigm, can be encouraged by providing energy consumers with a holistic view of their overall energy consumption. Current energy consumption in terms of space heating, water heating, other electricity, and personal transportation can be modeled by normalizing the respective energy consumption into the same units of energy. In addition, the passive always-on electricity consumption caused by inactive devices that contributes to the baseload of a building can be identified and addressed by the consumer, as appropriate by expressing baseload as a compound value that combines constant always-on loads and regularly-cycling loads. The baseload is estimated as the peak occurrence in a frequency distribution of net load data, after which the always-on load can be determined by subtracting out any regularly-cycling loads.

A system and method may determine the carbon emissions risk to an institution through its lending and investment activities to a plurality of counterparties by, for example, determining carbon emissions data for a number of counterparties and, for each counterparty, determining the carbon emissions risk to the institution. A system and method may determine the proportion of total capital of a counterparty that is being financed by a bank, and multiply this by a carbon emissions measure for the counterparty. Embodiments may be applied to determine optimal investment strategies for managing an institution's exposures to carbon risk over time.