Teresa Marie Lopez

US Patent:

8412643, Apr 2, 2013

Filed:

Mar 9, 2009

Appl. No.:

12/400739

Inventors:

Teresa Lopez - Santa Fe NM, US
James A. Baker - Santa Fe NM, US

Assignee:

EQS, Inc. - Santa Fe NM

International Classification:

G06F 17/00
G06Q 30/00
G06Q 40/00

US Classification:

705412, 705 1434, 705 38

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.

US Patent:

20090228405, Sep 10, 2009

Filed:

Dec 31, 2008

Appl. No.:

12/347741

Inventors:

Teresa Lopez - Santa Fe NM, US
James A. Baker - Santa Fe NM, US

International Classification:

G06Q 90/00

US Classification:

705412

Abstract:

An apparatus, system, and method for determining and applying an energy savings to a financial transaction includes estimating and/or monitoring usage of utilities by detectors, comparing the usage to a predetermined baseline value, and valuating an energy savings. A portion of the savings may be applied to any of early repayment of a mortgage loan, investment in securities, and a request for a credit. The method enables issuance of mortgage loans for building projects that conserve or produce energy, where the loans may have terms that are similar or better than conventional mortgage loans. The method standardizes values of energy units and/or monetary units, and quantifies a savings. Thus, the method aids in qualifying the building project based on a particular amount of energy savings or a savings within a range. Thus, the method forms a bridge between green, other energy conserving, or sustainable technologies and the financial markets.

US Patent:

20090228406, Sep 10, 2009

Filed:

Dec 31, 2008

Appl. No.:

12/347818

Inventors:

Teresa Lopez - Santa Fe NM, US
James A. Baker - Santa Fe NM, US

International Classification:

G06Q 90/00

US Classification:

705412

Abstract:

An apparatus, system, and method for quantifying energy usage and savings enables applying the savings to a financial transaction. Quantification includes estimating and/or monitoring usage of utilities by detectors, comparing the usage to a predetermined baseline value, and valuating an energy savings. Quantification relies on a comprehensive database to establish the baseline and to predict usage and savings. A portion of the savings may be applied to any of early repayment of a mortgage loan, investment in securities, and a request for a credit. The method and system standardizes values of energy units and/or monetary units, and quantifies savings. The method and system aids in qualifying the building project based on a concrete estimation of energy savings or a savings within a range. Thus, the method forms a bridge between green, other energy conserving, or sustainable technologies and the financial markets.