Description:FIELD OF INVENTION:
The present invention relates to lifestyle-based sustainability scoring process for individuals. Particularly, the present invention relates to lifestyle-based sustainability scoring process for individuals by calculating greenhouse effect.

BACKGROUND OF THE INVENTION:
Various human activities generate carbon emissions (such as, greenhouse gases) that can have negative effects on the Earth's environment. For example, driving a gasoline-powered car or operating a thermal power station generates carbon emissions. To control carbon emissions, it is important for an individual to be aware of their measured carbon footprint based on daily behaviours.

The carbon footprint (or greenhouse gas footprint) serves as an indicator to compare the total amount of greenhouse gases emitted from an activity, product, company or country. Carbon footprints are usually reported in tons of emissions (CO2-equivalent) per unit of comparison; such as per year, person, kg protein, km travelled and alike. For a product, its carbon footprint includes the emissions for the entire life cycle from the production along the supply chain to its final consumption. Similarly for an organization, its carbon footprint includes the direct as well as the indirect emissions caused by the organization (called Scope 1, 2 and 3 in the Greenhouse Gas Protocol that is used for carbon accounting of organizations). Several methodologies and online tools exist to calculate the carbon footprint, depending on whether the focus is on a country, organization, product or individual person. For example, the carbon footprint of a product could help consumers decide which product to buy if they want to be climate aware. In the context of climate change mitigation activities, the carbon footprint can help distinguish those economic activities with a high footprint from those with a low footprint. In other words, the carbon footprint concept allows everyone to make comparisons between the climate-relevant impacts of individuals, products, companies, countries. In doing so, it helps to devise strategies and priorities for reducing the carbon footprint.

US20230038676A1 discloses behaviour data associated with a user is obtained. The behaviour data is generated when the user uses an Internet service and includes a user identification and identification information indicating the Internet service. At least one predefined carbon-saving quantity quantization algorithm is determined based on the identification information related to the Internet service. A carbon-saving quantity associated with the user is calculated based on the obtained behaviour data and the determined at least one predefined carbon-saving quantity quantization algorithm. Based on the calculated carbon-saving quantity associated with the user and the user identification, user data is processed. The user data is related to the carbon-saving quantity associated with the user.

US20170351978A1 discloses a method and system having an artificial intelligence component which can generate recommendations to a user and/or a plurality of users. The recommendations can be based on information collected from a plurality of devices, sensors, historical usage patterns, predicted user schedules, and/or external data sources. Some embodiments include the method and system that dynamically display the actual carbon impact and/or predicted carbon impact for each item on the user's daily schedule.

WO2022011411 discloses a computer-implemented system for effecting purchases that assesses available options including details regarding the carbon impact of the purchases, the system including one or more databases maintained by a central server for storing details relating to products available for purchase from a plurality of registered retailers, a location of stores associated with each registered retailer, manufacturing information associated with the products available for purchase, the manufacturing information with respect to each product including a location of manufacture, energy sources consumed during manufacture, transport data in relation to transport of the product from the location of manufacture to any distribution points associated with the registered retailer of the product, one or more processors in communication with the one or more databases, the one or more processors configured to receive, from a first user device, a search query including a nomination of one or more products of interest to a user, the one or more processors generating a response and transmitting same to the first user device with a selection of one or more products from the products available for purchase that match the search query, receive, from the first user device, a selection of one or more of the available products of interest to the user, determine, based upon the selected one or more products and the manufacturing information relating to each selected product, a carbon impact associated with purchasing each selected product from each registered retailer that offers the selected product for purchase, and transmit details of one or more retailers from the plurality of registered retailers able to provide the one or more selected products, the details including the purchase price and carbon impact associated with the purchase of the one or more selected products displayed on the first user device.

US331224786 discloses an approach to carbon footprint tracking, responsive to determining that a transaction to purchase an item for a user is detected by a computer, a total carbon emission for the original item is calculated. One or more alternatives to the original item are located. The total carbon emissions for each alternative to the original item is calculated. The user is notified of the total carbon emissions for the original item and the total carbon emissions for each alternative to the original item where the carbon emissions are lower for the alternative item than for the original item. An indication of a final item chosen by the user is received, where the final item is either the original item or one of the alternative items.

Until now, there has been no such unique scoring system available for individuals to measure their impact on the environment and sustainability.
The only thing available is a carbon footprint calculator based on the user’s manual input or on information provided by the consumed product only. It leads to a complicated accounting system for the consumer to understand their impact on the environment in all possible ways. There arise a need to develop an unique measure to identify our health, fitness, finances, and other aspects of life—still, no unique measurement is available to measure our behavioral influence on the environment.

Given the above, there arises a need to develop an improved system to measure carbon foot prints according to the behaviour of the individual. The present invention provides a better solution for the same.

OBJECTIVE OF THE INVENTION:
An objective of the present invention is to provide a system with proprietary intelligence, automatically calculates users’ environmental impact based on their purchase or behavioral information.

SUMMARY OF THE INVENTION:
Accordingly, the present invention provides a process for lifestyle-based sustainability scoring for individuals, wherein the process comprises the steps of:
tracking people’s spending volume, merchant’s name, and category;
collecting transaction details (volume, merchant, category) from all financial transactions of the same individual; and
tracking and calculating auto-read users’ transactional SMS/Emails.
In an embodiment, the present invention provides that the tracking is performed with Myplan8 in-house launch of Bharat’s first ‘Green Money Card.
In another embodiment, the present invention provides that SDK integrates with merchants to provide product-centric carbon measurement.
In another embodiment, the present invention provides that the Green Score is calculated based on the amount, category, and severity of spending.
In another embodiment, the present invention provides that the green score is the score lying between 300-900.
In another embodiment, the present invention provides that the score is calculated based on the last 12 months total transaction, for the subsequent months, there is an update of the Green score on a monthly basis based on the transaction done in the previous month only.
In another embodiment, the present invention provides that the change in the score is based on the total consumption of the individual in the last month only.

BRIEF DESCRIPTION OF DRAWINGS:
These and other features, aspects, and advantages of the present invention will become better understood when the following detailed description is read concerning the accompanying drawings in which like characters represent like parts throughout the drawings, wherein:

Fig. 1: Schematic presentation of the process of the present invention.

Further, skilled artisans will appreciate that elements in the drawings are illustrated for simplicity and may not have been necessarily been drawn to scale. Furthermore, the drawings may show only those specific details that are pertinent to understanding the embodiments of the present invention so as not to obscure the drawings with details that will be readily apparent to those of ordinary skill in the art having the benefit of the description herein.

DETAILED DESCRIPTION:
To promote an understanding of the principles of the invention, reference will now be made to the embodiment illustrated in the drawings and specific language will be used to describe the same. It will nevertheless be understood that no limitation of the scope of the invention is thereby intended, such alterations and further modifications in the illustrated system, and such further applications of the principles of the invention as illustrated therein being contemplated as would normally occur to one skilled in the art to which the invention relates.

It will be understood by those skilled in the art that the foregoing general description and the following detailed description are exemplary and explanatory of the invention and are not intended to be restrictive thereof.

Reference throughout this specification to “an aspect”, “another aspect” or similar language means that a particular feature, structure, or characteristic described in connection with the embodiment is included in at least one embodiment of the present invention. Thus, appearances of the phrase “in an embodiment”, “in another embodiment”, and similar language throughout this specification may, but do not necessarily, all refer to the same embodiment.

The terms "comprises", "comprising", or any other variations thereof, are intended to cover a non-exclusive inclusion, such that a process or method that comprises a list of steps does not include only those steps but may include other steps not expressly listed or inherent to such process or method. Similarly, one or more devices or sub-systems or elements or structures or components proceeded by "comprises...a" does not, without more constraints, preclude the existence of other devices or other sub-systems or other elements or other structures or other components or additional devices or additional sub-systems or additional elements or additional structures or additional components.

Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. The system, methods, and examples provided herein are illustrative only and not intended to be limiting.
Embodiments of the present invention will be described below in detail concerning the accompanying drawings.

The present invention discloses a system with proprietary intelligence that automatically calculates users’ environmental impact based on their purchase or behavioral information. In the system, three different processes are used to track and calculate the unique scoring system.
A. Myplan8’s in-house launch of Bharat’s first ‘Green Money Card™’ helps track people’s spending volume, merchant’s name, and category.
B. Use the regulator’s affiliated banking data aggregation framework to collect transaction details (volume, merchant, category) from other banks of the same individual.
C. Auto-read users’ transactional SMS/Emails to track and calculate.

Using all the above methods, one’s transaction history is easily collected and know the merchant's name and the amount of any kind of spending in any category.
On the other hand, SDK will integrate with merchants to provide product-centric carbon measurement. That data will help us build our own carbon directory consisting of all available products and their unit-based carbon footprint impact on the environment and sustainability.
Above all the collected information, our in-house team has built a severity meter for each product and its consumption. The severity meter consists of low, average, high, and dangerous categories. Every product with a different level of consumption can create different levels of severity. And each severity has a different weight in the Green Score calculation.
We just need to use the captured data from the user’s spending and run our algorithm to easily calculate the Green Score.
The Green Score will be calculated based on the amount, category, and level of severity of spending.
The Green Score has some unique properties apart from the calculation method:
A. The score lies between 300-900.
B. For the first-time user, the score is calculated based on the last 12 months total transaction, for the subsequent months, there is an update of the Green score on a monthly basis based on the transaction done in the previous month only.
C. After the first month, the score is updated once a month. Ideally, on the first day of the month.
D. The change in the score is based on the total consumption of the individual in the last month only.
E. Positive impacts like using EVs, solar power, or planting trees will help the users increase their scores.

The present process reads emails and payment details to identify and calculate the average carbon offset linked to the trees planted. The calculation includes the type of tree, organization name, and order value. One can calculate the carbon offset rate based on the linked data.

The following examples define the invention by way of illustration which does not limit the scope of the invention.

EXAMPLE 1:
For example, auto-tracking of two people's behaviour is performed, Mr. A and Mr. B.
Mr. A spends Rs. 350 in the food category on online delivery, which includes chicken as a product.
His Green Score calculation process will be as below:
Rs. 350 on chicken will give us a carbon footprint of 150 kg, which is "average" in the severity meter. So, we use 0.5% of 150 kg = 0.75 in the Green Score™ calculation. As it has a negative impact, it will reduce the score by 0.75 * (900/300) = 2.25 units. If Mr. A’s earlier Green Score™ was 500, now it will change to 497.75.
Our process will read emails and payment details to identify and calculate the average carbon emission rate linked to any food item. The calculation includes the cooking item, delivery process, and food order value. When any user orders food, we can calculate the carbon emissions based on the linked data.
On the other side, Mr. B spends Rs. 350 to plant trees.
His Green Score calculation process will be as below:
Rs. 350 for tree plantation will give us carbon offset = 1000 kg, which is "high" in the severity meter. So, we use 0.75% of 1000 kg = 7.5 in the Green Score calculation. As it has a direct positive impact, it will increase the score by 7.5 * (900/300) =22.5 units. If Mr. A’s earlier Green Score was 500, now it will change to 522.5.
Advantages of our solution:
A. Users can quickly find the environmental impact that happens due to their activities.
B. No additional effort is required to remember and enter the data, manually.
C. Users can track their entire spending details and their respective carbon footprint on a single app.
D. There is zero chance to manipulate any data.
E. Our real-time offsetting solution will also help the user offset their carbon footprint and check the positive impact they have created.
F. Transparent and easy-to-understand solution for individuals to measure their impact.
G. It will help India reach the net zero target at the earliest possible time in a measurable way.
, Claims:We Claim:

1. A process for lifestyle-based sustainability scoring for individuals, wherein the process comprises the steps of:
a) tracking people’s spending volume, merchant’s name, and category;
b) collecting transaction details (volume, merchant, category) from all financial transaction of the same individual; and
c) tracking and calculating auto-read users’ transactional SMS/Emails.
2. The process as claimed in claim 1, wherein the tracking is performed with Myplan8 in-house launch of Bharat’s first ‘Green Money Card.
3. The process as claimed in claim 1, further SDK integrates with merchants to provide product-centric carbon measurement.
4. The process as claimed in claim 1, wherein the Green Score is calculated based on the amount, category, and severity of spending.
5. The process as claimed in claim 1, wherein the green score is the score lying between 300-900.
6. The process as claimed in claim 1, wherein the score is calculated based on the last 12 months total transaction, for the subsequent months, there is an update of the Green score on a monthly basis based on the transaction done in the previous month only.
7. The process as claimed in claim 1, wherein the change in the score is based on the total consumption of the individual in the last month only.