Systems and methods for crowdsourcing information on loan collateral are disclosed. An example system may include a crowdsourcing request circuit to configure at least one parameter of a crowdsourcing request related to obtaining information on a condition of a collateral for a loan; a crowdsourcing publishing circuit to publish the crowdsourcing request to a group of information suppliers; and a crowdsourcing communications circuit to collect and process at least one response from the group of information suppliers, and to provide a reward to at least one of the group of information suppliers in response to a successful information supply event.

A system and method that varies the terms and conditions of a subsidized loan includes a data collection circuit structured to receive data related to an item of collateral that provides security for a loan; a valuation circuit structured to determine a value for the item of collateral based on the received data and a valuation model; a smart contract circuit structured to create a smart lending contract, wherein the smart lending contract specifies a covenant defining a required value of the item of collateral; and a loan management circuit comprising: a value comparison circuit structured to compare the value of the item and the specified covenant and determine a collateral satisfaction value, an automated agent circuit structured to automatically implement loan related activities in response to the collateral satisfaction value, wherein the loan related activities comprise: issuing a notice of default or a foreclosure action.

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.

A system includes a crowdsourcing request circuit that configures parameter(s) of a crowdsourcing request related to obtaining information on a condition of a collateral for a loan, a crowdsourcing publishing circuit that publishes the crowdsourcing request to a group of information suppliers, and a crowdsourcing communications circuit that collects and processes response(s) from the group of information suppliers, and provides a reward to at least one of the group of information suppliers in response to a successful information supply event.

A value chain system that provides recommendations for designing a logistics system generally includes a machine learning system that trains machine-learned models that output logistics design recommendations based on training data sets that each respectively defines one or more features of a respective logistic system and an outcome relating to the respective logistics system; an artificial intelligence system that receives a request for a logistics system design recommendation and determines the logistics system design recommendation based on one or more of the machine-learned models and the request; and a digital twin system that generates an environment digital twin of a logistics environment that incorporates the logistics system design recommendation, and one or more physical asset digital twins of physical assets. The digital twin system executes a simulation based on the logistics environment digital twin, the one or more physical asset digital twins.

A platform and components for an automated consumer retail utility marketplace are provided, including components for machine learning, components for gamification, and components for supporting a related consumer mobile application that enables improved visibility and control by a consumer over its interaction with energy markets.

Systems and methods for configuring and launching a marketplace are described. A method may include identifying an opportunity for a new marketplace, receiving marketplace opportunity data, determining configuration parameters, and determining a feasibility of implementing the new marketplace configuration. An architecture of the new marketplace may be determined, and marketplace objects configured. Data resources and their configuration in a model may be determined and the data resources connected to marketplace objects. The new marketplace may then be launched.

Embodiments of architecture, systems, and methods employ sensor data and blockchain to verify and promote the reduction of undesirable waste products, reduction of energy usage, more efficient energy generation, and reduction in consumption of limited resources where the sensor data may be generated from a sensor of an Internet of Things system. Other embodiments may be described and claimed.

Systems and methods for controlling rights related to digital knowledge are disclosed. The system may include an input system to receive a three-dimensional (3D) printer instructions set for printing a 3D project; a tokenization system to tokenize the digital knowledge and a ledger management system to store the tokenized digital knowledge. The system may further include a smart contract system to implement a smart contract via the distributed ledger, perform a smart contract action with respect to the tokenized digital knowledge in response to an occurrence of a triggering event; process commitments of a plurality of parties to the smart contract; and manage rights of control of and access to the tokenized digital knowledge according to the smart contract. The distributed ledger includes a plurality of cryptographically linked blocks distributed over a plurality of nodes of a network.

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.