Methods and systems for environmental credit scoring

Abstract

A method and system are provided for environmental credit scoring of a plurality of users, partners, and distributors comprising: registering the plurality of users, partners, and distributors; receiving information from the registered users; receiving environmental activity records from partners, and distributors; assigning each activity an identification number; verifying the environmental activity records; calculating a score of each environmental activity; calculating an environmental credit score of the partners and distributors; receiving data from a point of service system; identifying the environmental activity records of users, partners and distributers, and crediting respective environmental activity records; calculating an environmental credit score for the users based on the environmental activities' data credited under the environmental activity record of the users; analyzing the environmental credit score of the users, partners, and distributors; and publishing the environmental credit scores.

What is claimed is: 
     
         1 . A method for environmental credit scoring of a plurality of users and partners, comprising:
 registering the plurality of users and partners by assigning a unique user identifier;   receiving information from the registered users comprising personal information and information about one or more environmental activities completed by the registered users, receiving at least one environmental activity record from at least one of the partners, wherein the environmental activity record comprising data relating to a plurality of environmental activities;   calculating a score of each environmental activity offered by the partners based on environmental impact information included in an environmental product declaration of a product and/or a service offered by the partner, the each environmental activity including offering one or more of a product and a service by partners to users;   calculating an environmental credit score of the partners based on the calculated scores;   receiving data relating to environmental activities completed by a registered user from a point of service system of a registered partner, wherein the registered partner identifies and verifies the registered user to confirm the completion of one or more environmental activities by the user;   matching the environmental activity records of at least one of the plurality of users and partners with the unique user identifier to identify the environmental activity records of the at least one of the plurality of users and partners associated with the unique user identifier for each of the environmental activities completed by the user, and crediting respective environmental activity records based on the environmental activities completed by the user;   calculating an environmental credit score for the registered user based on the environmental activities' data credited under the environmental activity record of the user; and   analyzing the environmental credit score of the users to determine the one or more users with a high environmental credit score.   
     
     
         2 . The method of  claim 1 , wherein the environmental activity record comprising data relating to a plurality of environmental activities and environmental law violations offered or reported by the plurality of partners, wherein the method further comprises calculating a score of each environmental law violation reported by the partners based on the environmental impact information of each environmental law violation, the each environmental activity including offering one or more of a product and a service by partners to users. 
     
     
         3 . The method of  claim 1 , wherein calculating a score of each environmental activity offered by the partners is based on environmental impact information included in an environmental product declaration of a product and/or a service offered by the partner and based on the information included in environmental product declarations of similar products and services offered by other partners. 
     
     
         4 . The method of  claim 1  further comprising publishing the environmental credit scores of the users and notifying the users. 
     
     
         5 . The method of  claim 1 , wherein the environmental activities comprise environmental protection activities and expenditures, (b) resource management activities and expenditures, and (c) resource use activities and expenditures. 
     
     
         6 . The method of  claim 1 , wherein the environmental credit score of users is used by private and/or public and/or voluntary sectors and/or other entities in areas including employment decisions, university admission decisions, and landlord-tenant decisions, decisions of the government towards individuals, companies and any other entities, using the environmental credit score in other areas that may impact consumer's lives, the areas including determining whether a service, awards, a credit, and scholarships should be offered or granted to the user, wherein the environmental activities with high scores are given the priority to be promoted to the users. 
     
     
         7 . A method for environmental credit scoring of a plurality of users and partners, comprising:
 registering the plurality of users and partners with a server computer system;   receiving information comprising personal information and environmental activities information of the registered users and partners;   verifying the received information with at least one of a registered partner and an unregistered entity, wherein the registered partner sends environmental activity information of the user to the server computing system based on the verification;   calculating for each of the registered users, an estimated environmental impact of each of the user's environmental activities based on the received information; and   calculating an environmental credit score for each of the registered users based on the environmental impact of the environmental activities of the registered user.   
     
     
         8 . The method of  claim 7  further comprising suggesting at least one environmental activity to the registered user for reducing the environmental impact of environmental activities of the registered user based on the calculated environmental impact of the environmental activities before being the registered user. 
     
     
         9 . The method of  claim 7  wherein the registered partner further sends environmental law violation information of the user based on the verification. 
     
     
         10 . The method of  claim 7 , wherein the environmental credit score of users is used by private and/or public and/or voluntary sectors and/or other entities in areas including employment decisions, university admission decisions, and landlord-tenant decisions, decisions of the government towards individuals, companies and any other entities, using the environmental credit score in other areas that may impact consumer's lives, the areas including determining whether a service, awards, a credit, and scholarships should be offered or granted to the user, wherein the environmental activities with high scores are given the priority to be promoted to the users. 
     
     
         11 . A method for calculating an environmental credit score, comprising:
 receiving at least one environmental activity record from a plurality of partners in real-time, wherein the environmental activity record comprising data relating to a plurality of environmental activities and environmental law violations offered or reported by the plurality of partners;   verifying the at least one environmental activity record with at least one of an environmental product declaration program operator, a registered partner or any unregistered entity; and   calculating a score for each of the verified environmental activities and the environmental law violations offered or reported by the plurality of partners based on an environmental impact of each of the environmental activities and environmental law violations; and   calculating an environmental credit score for at least one of the registered partners based on the calculated score.   
     
     
         12 . The method of  claim 11 , wherein the calculation of an environmental credit score for the partner is done after every verified environmental activity credited in the registered partner's environmental activity record and/or at a regular interval and/or based on a request from the registered partner. 
     
     
         13 . A system for environmental credit scoring of a plurality of users and partners, comprising:
 a server computer system comprising:
 a registration module configured to register the plurality of users and partners by assigning a unique user identifier; 
 a transceiving module configured to:
 receive information from the registered users comprising personal information and information about one or more environmental activities completed by the registered users; and 
 receive data relating to environmental activities completed by a registered user from a point of service system of a registered partner, wherein the registered partner identifies and verifies the registered user to confirm the completion of one or more environmental activities by the user; 
 
 a processing module configured to:
 calculate a score for each environmental activity based on environmental impact information included in an environmental product declaration of a product and/or a service offered by the partner, the each environment activity including offering one or more of a product and a service by partners to users; 
 calculate an environmental credit score of the partners based on the calculated scores; 
 matching the environmental activity records of a at least one of the plurality of users and partners with the unique user identifier to identify the environmental activity records of the at least one of the plurality of users and partners associated with the unique user identifier for each of the environmental activities completed by the user, and crediting respective environmental activity records based on the environmental activities completed by the user; 
 calculate an environmental credit score for the registered user based on the environmental activities' data credited under the environmental activity record of the user; and 
 analyze the environmental credit score of the users to determine the one or more users with a high environmental credit score. 
 
   
     
     
         14 . The system of  claim 13 , wherein the server computer system further comprising a database configured to store personal information and environmental activities information of the registered users and registered partners. 
     
     
         15 . The system of  claim 13 , wherein the processing module is further configured to:
 calculate the environmental credit score of the registered user for at least one of a specific geographical area, a specific product, service category, wherein the server computer system further comprising a publication module configured to publish the environmental credit score data of the plurality of users and partners, under respective environmental activity records of the plurality of users and partners; and   calculate the environmental credit score of the registered partners for at least one of a specific geographical area, a specific type of environmental activities, a specific category or classification of a product or service, wherein more points being added to the environmental credit score of one or more users participating in environmental activities with a high score environmental product declaration and/or marking users and partners, with high environmental credits cores with marks, signs, symbols and/or any other benefits, further wherein the processing module calculates the environmental credit score for the partners after every environmental activity credited in the registered partner's environmental activity records and/or at a regular interval and/or based on a request from the registered partner.   
     
     
         16 . The system of  claim 13 , wherein the environmental activities comprise environmental protection activities and expenditures, resource management activities and expenditures, and resource use activities and expenditures. 
     
     
         17 . The system of  claim 13 , wherein the processing module is further configured to:
 suggest at least one environmental activity to the registered user for reducing the environmental impact of environmental activities of the registered user based on the calculated environmental impact of the environmental activities before being the registered user, wherein a geographical location of the users is determined and environmental activities are suggested to the user based on a location of the environmental activities from the user and environmental product declaration score of the environmental activities;   calculate an environmental credit score for each of the registered users based on the environmental impact of the environmental activities of the registered user before being the registered user and the participation of the registered user in the suggested at least one environmental activity after being the registered user; and analyze the environmental credit score of the plurality of users to determine one or more users with a high environmental credit score.   
     
     
         18 . The system of  claim 13 , wherein the environmental credit score of users is used by private and/or public and/or voluntary sectors and/or other entities in areas including employment decisions, university admission decisions, and landlord-tenant decisions, decisions of the government towards individuals, companies and any other entities, using the environmental credit score in other areas that may impact consumer's lives, the areas including determining whether a service, awards, a credit, and scholarships should be offered or granted to the user, wherein the environmental activities with high scores are given the priority to be promoted to the users. 
     
     
         19 . The system of  claim 13 , wherein the processing module is configured to calculate the environmental credit score for one of the partners after every environmental activity is credited in the registered partner's environmental activity record and/or at a regular interval and/or based on a request from the registered partner. 
     
     
         20 . The system of  claim 13 , wherein each of the environmental activities has an associated environmental product declaration, the environmental product declaration being (a) issued by a specific program operator, or (b) issued by a specific program operator in a specific geographical area where the server computer system operates such as a specific state, country, continent, or region, or (c) based on a harmonized product category rules, wherein the environmental activities offered by a partner can be promoted to the users and can be publicly accessible by the users. 
     
     
         21 . The system of  claim 13 , wherein the processing module is further configured to display the environmental activities based on the score of the environmental product declaration of each of the environmental activities, wherein the environmental activities with a high score environmental product declaration are displayed first. 
     
     
         22 . The system of  claim 13 , wherein the processing module is further configured to allow the users to search for an environmental activity such as a product and/or a service offered by a partner in a specific geographical location, the environmental activities are displayed to the users based on the score of the environmental product declaration of each of the environmental activities.