A carbon credit bank carbon inclusive commercial operation system for carbon neutral community

Abstract

The application discloses a kind of carbon integration bank driven carbon inclusive commercial operation system and method, it is related to green financial technology and community carbon governance technical field.The system includes: user behavior acquisition and data processing module, for through the Internet of Things equipment and third party API interface collection resident and enterprise's multi-source green behavior data;Carbon credit bank core engine, adopt blockchain technology to build personal and enterprise carbon account, and integrate carbon coin issue, wallet management, exchange and cross-scene payment function;S2G2B2C four-dimensional collaborative platform, connect supply chain merchant end, government regulatory end, community resident end and industry collaborative end, realize the closed loop circulation of carbon credit in merchant consumption, policy incentive, community governance and product carbon footprint tracking;And intelligent operation support system, include policy rules engine, transaction matching module, ESG (environment, society and corporate governance) data reporting tool, partner management platform and decision analysis big screen.The application by scattered low-carbon behavior assetization is interest-bearing, can be pledged, can circulate carbon digital rights and interests, constructs "behavior is asset, green is income" market operation mechanism, on the premise that without government continuous subsidy, reduce community average carbon intensity, improve merchant repeat purchase rate, increase the technical effect of resident green behavior participation.

Description

Technical Field

[0001] This invention relates to the interdisciplinary fields of digital finance, carbon inclusion, and community governance, and in particular to a carbon credit assetization operation system and method based on blockchain, Internet of Things, and artificial intelligence technologies. Background Technology

[0002] Against the backdrop of global carbon neutrality, various regions have successively launched carbon credit pilot programs to encourage the public to earn carbon credits through green travel, waste sorting, and other behaviors. However, existing carbon credit platforms generally suffer from the following technical pain points: 1) Credits have a single value and lack financial attributes, failing to create sustainable incentives; 2) Data silos are severe, making it difficult to share behavioral data across platforms; 3) Operations rely on government subsidies, failing to form a market-based commercial closed loop; 4) Poor policy adaptability, unable to quickly respond to changes in local regulations. Therefore, there is an urgent need for a system solution that can convert carbon credits into digital assets, realize multi-party value transfer, and possess independent operational capabilities. Summary of the Invention

[0003] To address the technical problems of existing carbon credit platforms, such as reliance on government subsidies, singular value of credits, severe data silos, and lack of a closed-loop business model, this invention provides a carbon credit bank-based commercial operation system and method for carbon credits. This system, through the construction of an "S2G2B2C" four-dimensional collaborative architecture, realizes the assetization, financialization, and market-oriented operation of carbon credits, effectively solving problems such as redundant platform construction, inconsistent accounting standards, and low user participation in existing technologies.

[0004] A carbon credit bank carbon inclusive commercial operation system includes: a user behavior collection and data processing module, a carbon credit bank core engine, an S2G2B2C four-dimensional collaborative operation platform, and an intelligent operation support system.

[0005] The user behavior collection and data processing module is used to collect green behavior data from residents and enterprises through IoT devices and third-party API interfaces, and to standardize multi-source heterogeneous data. It includes a real-time carbon reduction viewing submodule, a data visualization display submodule, and a standardized data interface layer. The real-time carbon reduction viewing submodule connects to smart meters, water meters, shared bicycle apps, and public transportation systems, using an AI computing engine to calculate the carbon reduction of a single behavior based on a dynamic emission factor library. The data visualization display submodule presents real-time data, historical trend charts, and personal carbon credit changes through a homepage dashboard. The standardized data interface layer supports high-concurrency queries and multi-platform data synchronization.

[0006] The core engine of the carbon credit bank is built on blockchain to construct personal and corporate carbon accounts, enabling the issuance, storage, interest calculation, pledging, exchange, and cross-scenario payment of carbon credits. It includes a carbon coin issuance mechanism, a carbon coin wallet system, an exchange trading platform, and a cross-scenario payment gateway. The carbon coin issuance mechanism manages the total issuance based on a dynamic exchange rate between carbon credits and carbon coins, and tokenizes them through blockchain smart contracts. The carbon coin wallet system provides users with carbon coin storage, balance inquiry, P2P transfer, and transaction record tracking functions. The exchange trading platform supports C2C matching transactions between carbon coins and fiat currency, implementing a floating exchange rate and transaction fee management mechanism. The cross-scenario payment gateway integrates online malls, offline merchant QR code payments, and partner apps to achieve integrated carbon coin payment and settlement.

[0007] The S2G2B2C four-dimensional collaborative operation platform connects supply chain merchants, government regulators, community residents, and industry players to achieve closed-loop circulation and intelligent settlement of carbon credits across consumption deductions, policy incentives, community governance, and product carbon footprint certification. It includes supply chain merchant terminals, government regulator terminals, community resident terminals, and industry collaboration terminals. The supply chain merchant terminal provides merchants with product management, order processing, carbon credit settlement, green customer flow analysis, and ESG data dashboards. The government regulator terminal has functions for community carbon ledger management, carbon sink trading matching, enterprise carbon emission monitoring, policy simulation, and law enforcement management. The community resident terminal allows for carbon credit inquiries, rights redemption, low-carbon group interaction, and green behavior sharing through a mini-program. The industry collaboration terminal constructs a full life-cycle database of ecological products, B2B transaction processes, a quality traceability system, and a supply and demand matching platform.

[0008] The intelligent operation support system includes a policy rule engine, a carbon sink trading matching module, an ESG data reporting tool, a sales partner management platform, and a visual decision analysis dashboard. The policy rule engine further includes a policy capture and parsing unit, a configurable rule engine, and a policy consultation and feedback unit. The policy capture and parsing unit uses NLP (Natural Language Processing) technology to extract key policy clauses from government websites in real time and store them in a structured format. The configurable rule engine transforms policy requirements into executable business rules, supporting dynamic activation and multi-scenario adaptation. The policy consultation and feedback unit integrates intelligent customer service, online interpretation, and public opinion collection and analysis functions.

[0009] Preferably, the system also includes a sales partner management platform for realizing full lifecycle management of partners, collaborative management of business opportunities and projects, and data-driven decision support. Full lifecycle management of partners covers registration, task acceptance, revenue sharing, career advancement, and training and assessment; collaborative management of business opportunities and projects supports customer reporting, collaborative project initiation, task allocation, and progress tracking; data-driven decision support optimizes operational strategies through a marketing data platform, intelligent analysis platform, and BI reporting system.

[0010] Preferably, the user behavior collection and data processing module supports multiple data collection protocols, including MQTT, TCP, UDP, HTTP, etc., and adopts a distributed deployment architecture to ensure the high availability and scalability of the system.

[0011] Preferably, the core engine of the carbon credit bank adopts a dual-chain architecture of "main chain + side chain". The main chain is responsible for the issuance and settlement of carbon credits, while the side chain handles high-frequency transactions, which ensures data security and improves system performance.

[0012] A commercial operation method for carbon credit banks includes the following steps: Step S1: Collect user green behavior data through IoT devices and API interfaces, and convert it into standardized carbon credits through an AI computing engine; Step S2: Based on blockchain technology, open carbon accounts for users in the core engine of the carbon credit bank to realize the asset registration and confirmation of carbon credits; Step S3: Integrate carbon credits into merchant consumption, government incentives, community governance and industry collaboration scenarios through the S2G2B2C platform to build a closed loop for credit issuance, circulation and consumption; Step S4: Utilize the policy and rule engine to dynamically adapt to local carbon inclusive policies, and improve operational compliance and efficiency through transaction matching and ESG tools; Step S5: Leverage the partner system and decision analysis dashboard to achieve market promotion and continuous optimization of the system.

[0013] Preferably, the closed loop of carbon credit circulation in step S3 further includes: residents using carbon credits to offset consumption at merchants, and merchants gaining green customer traffic and brand exposure; the government monitoring regional emission reduction progress through community carbon ledgers and using carbon credits for public behavior incentives; industries linking product carbon footprints to carbon credits and enhancing market competitiveness through green certification and marketing; and carbon credit banks implementing interest-bearing incentives for accumulated credits and providing pledge financing services for active credits to enhance user stickiness.

[0014] The beneficial effects of this invention include: The construction of the carbon credit bank system has enabled a paradigm shift in carbon inclusion from "public welfare incentives" to "market-oriented operation." The system transforms fragmented low-carbon behaviors into interest-bearing and stakingable digital assets, establishing a closed-loop business model characterized by "zero government procurement, willing merchants to pay, and enthusiastic resident participation." Real-world testing shows that the system can reduce the average annual carbon intensity of communities, increase merchant repurchase rates, and boost resident participation, achieving sustainable operation without direct government subsidies. The system's modular design allows for rapid adaptation to local carbon inclusion policies, providing a technological foundation for nationwide rollout. Attached Figure Description

[0015] Figure 1This is a schematic diagram of the overall architecture and data flow of the system of the present invention;

[0016] Figure 2 This is a diagram showing the structure of the real-time carbon reduction viewing module on the personal account side (mini-program);

[0017] Figure 3 This is a functional module architecture diagram of the web backend for the ecological industry.

[0018] Figure 4 This is a diagram showing the structure of the carbon sink trading matching module on the government management side (Web backend);

[0019] Figure 5 This is a functional diagram of the carbon coin exchange sub-module;

[0020] Figure 6 This is a data analysis and decision support architecture diagram for the sales partner management backend and mini-program;

[0021] Figure 7 It is a diagram illustrating the business effects and value transfer achieved by the system. Detailed Implementation

[0022] To make the objectives, technical solutions, and advantages of the embodiments of this application clearer, the technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this application, and not all of them. All other embodiments obtained by those skilled in the art based on the embodiments of this application without creative effort are within the scope of protection of this application.

[0023] This invention provides a carbon credit bank carbon inclusion business operation system. This system adopts a layered architecture design and integrates IoT, blockchain, big data, and artificial intelligence technologies to build a complete carbon credit asset operation ecosystem. Figure 1 As shown, the system's overall architecture comprises four core layers: the user behavior collection and data processing layer, the carbon credit bank core engine layer, the S2G2B2C four-dimensional collaborative operation layer, and the intelligent operation support layer. These layers interact with each other through standardized API interfaces, forming a complete business loop. This architecture supports elastic scaling, allowing for dynamic adjustment of resource allocation based on business needs.

[0024] At the user behavior collection and data processing layer, the system collects user green behavior data through various methods. For example... Figure 2As shown, individual users can view their carbon reduction in real time through the mini-program. This module adopts a microservice architecture and connects to multiple data sources, including smart meters, shared bicycle systems, and public transportation systems. The system uses AI algorithms to calculate the carbon reduction for each action based on a dynamically updated emission factor library and displays real-time data and changes in individual carbon credits through visual charts. The data acquisition module supports multiple communication protocols such as MQTT, HTTP, and WebSocket, making it adaptable to different types of IoT devices.

[0025] The core engine layer of the carbon credit bank is the innovative heart of the system, employing blockchain technology to build a trusted carbon credit issuance and circulation system. For example... Figure 5 As shown, the carbon coin exchange sub-module realizes the financial conversion of carbon credits. This module includes four major functions: carbon coin issuance, wallet management, exchange trading, and cross-scenario payment. The carbon coin issuance mechanism controls the total issuance and exchange ratio through smart contracts to ensure the stable operation of the system. The wallet system adopts multi-layer encryption technology to provide users with secure asset storage and transfer functions. The exchange trading platform adopts a C2C matching model to realize the free exchange between carbon coins and fiat currency. The system monitors transaction risks in real time and automatically triggers risk control mechanisms.

[0026] The S2G2B2C four-dimensional collaborative operation layer connects various participants in the ecosystem. For example... Figure 3 As shown, the ecosystem industry provides supply chain companies with a complete product carbon footprint management solution. Companies can manage product carbon data and participate in carbon market transactions through a web-based backend. Figure 4 As shown, the government regulatory body provides a carbon trading matching function, automatically matching buyers and sellers through smart contracts to achieve visualized supervision of the entire trading process. The government can also monitor regional carbon emissions in real time, set early warning thresholds, and promptly detect anomalies.

[0027] The system has established a comprehensive sales partner system, such as... Figure 6 As shown, the system enables full lifecycle management of partners through the sales partner management backend. The system includes modules for partner registration and authentication, task allocation, performance evaluation, and profit sharing. Partners can receive tasks, report progress, and view earnings through a dedicated mini-program. Based on big data analysis, the system provides partners with intelligent business opportunity recommendations and marketing support.

[0028] The core value of the system lies in its complete business closed-loop design, such as Figure 7As shown, by connecting the government, businesses, residents, and industries, a virtuous cycle is formed: "behavior generates carbon credits - credits circulate for consumption - consumption promotes emission reduction." Residents earn carbon credits through green travel and energy conservation, which can be used for discounts at participating merchants. Merchants gain green customer traffic and brand enhancement. The government achieves precise governance and policy optimization through the system, and industries improve product competitiveness through carbon footprint management. This closed-loop design ensures the system's self-driving nature and sustainability.

[0029] Regarding data security, the system implements multi-layered security measures. All sensitive data is encrypted using TLS (Transport Layer Security) during transmission and AES (Advanced Encryption Standard) during storage. The system establishes a comprehensive access control system, achieving fine-grained access control based on the RBAC (Role-Based Access Control) model. Operation logs are recorded throughout the entire process, supporting behavior auditing and accountability. Furthermore, the system has established a robust emergency response mechanism and business continuity plan to ensure stable operation under various abnormal circumstances.

[0030] In terms of system operation and maintenance, a comprehensive monitoring system has been established. This system monitors server performance metrics, application running status, and business processing in real time, and automatically issues alerts based on preset thresholds. Through a log analysis platform, machine learning algorithms are used to achieve intelligent fault prediction and self-healing. Standardized operation and maintenance processes have been developed to automate and standardize operations and maintenance work, significantly improving system stability and availability.

[0031] The system has undergone real-world testing and verification, with results showing that it can support concurrent access by millions of users, data acquisition and processing latency of less than 100 milliseconds, and a transaction success rate exceeding 99.99%. The circulation of carbon credits has effectively promoted users' enthusiasm for participating in green behaviors. Real-world testing shows that user participation in green behaviors has increased by more than 60%, merchant repurchase rates have increased by 40%, and the community's carbon intensity has decreased by an average of 2.8% annually, achieving significant social and economic benefits.

[0032] The embodiments described above merely illustrate specific implementation methods of this application, and while the descriptions are detailed and specific, they should not be construed as limiting the scope of protection of this application. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of the technical solution of this application, and these modifications and improvements all fall within the scope of protection of this application.

Claims

1. A carbon credit bank-driven carbon inclusive business operation system, characterized in that, include: The user behavior collection and data processing module is used to collect green behavior data of residents and enterprises through IoT devices and third-party API interfaces, and to standardize the multi-source heterogeneous data. The core engine of the carbon credit bank is based on blockchain to build personal carbon accounts and corporate carbon accounts, enabling the issuance, storage, interest calculation, pledging, exchange and trading of carbon coins and cross-scenario payment functions. The S2G2B2C four-dimensional collaborative operation platform is used to connect supply chain merchants, government regulators, community residents and industry to realize the closed-loop circulation and intelligent settlement of carbon credits in consumption deduction, policy incentives, community governance and product carbon footprint certification. The intelligent operation support system includes a policy and rule engine, a carbon sink trading matching module, an ESG data reporting tool, a sales partner management platform, and a visual decision analysis dashboard.

2. The system according to claim 1, characterized in that, The user behavior collection and data processing module further includes: a real-time carbon reduction viewing submodule, a data visualization display submodule, and a standardized data interface layer. The real-time carbon reduction monitoring submodule connects to smart meters, water meters, shared bicycle apps, and public transportation systems, and uses an AI computing engine to calculate the carbon reduction of a single action based on a dynamic emission factor library. The data visualization submodule presents real-time data, historical trend charts, and changes in personal carbon credits through the homepage dashboard. The standardized data interface layer supports high-concurrency queries and multi-platform data synchronization.

3. The system according to claim 1, characterized in that, The core engine of the carbon credit bank includes: a carbon coin issuance mechanism, a carbon coin wallet system, and a cross-scenario payment gateway. The carbon coin issuance mechanism manages the total issuance based on the dynamic exchange ratio between carbon credits and carbon coins, and implements tokenization through blockchain smart contracts. The carbon coin wallet system provides users with functions such as carbon coin storage, balance inquiry, P2P (peer-to-peer) transfer, and transaction record tracing. The exchange platform supports C2C (customer-to-customer) matching transactions between carbon coins and fiat currency, and implements a floating exchange rate and transaction fee management mechanism. The cross-scenario payment gateway integrates online shopping malls, offline merchant QR code scanning, and partner apps to achieve integrated carbon coin payment and settlement.

4. The system according to claim 1, characterized in that, The S2G2B2C four-dimensional collaborative operation platform includes: supply chain merchants, government regulators, community residents, and industry collaboration. The supply chain merchant side provides merchants with product management, order processing, carbon credit settlement, green customer flow analysis, and ESG data dashboards; The government regulatory terminal has functions such as community carbon ledger management, carbon sink trading matching, enterprise carbon emission monitoring, policy simulation and law enforcement management. The community residents' terminal uses a mini-program to check carbon credits, redeem benefits, interact in low-carbon groups, and share green behaviors. The aforementioned industry collaboration platform will construct an ecosystem product lifecycle database, a B2B (business-to-business) transaction process, a quality traceability system, and a supply and demand matching platform.

5. The system according to claim 1, characterized in that, The policy rule engine in the intelligent operation support system includes: a policy capture and parsing unit, a configurable rule engine, and a policy consultation and feedback unit. The policy capture and parsing unit uses NLP technology to extract key policy clauses from government websites in real time and store them in a structured manner. The configurable rule engine transforms policy requirements into executable business rules, supporting dynamic activation and multi-scenario adaptation. The policy consultation and feedback unit integrates intelligent customer service, online interpretation, and public opinion collection and analysis functions.

6. The system according to claim 1, characterized in that, The system further includes a sales partner management platform for enabling: full lifecycle management of partners, collaborative management of business opportunities and projects, and data-driven decision support. The partner's full lifecycle management covers registration, task acceptance, revenue sharing, growth and promotion, and training and assessment; The aforementioned business opportunity and project collaborative management supports customer reporting, collaborative project initiation, task allocation, and progress tracking. The data-driven decision support optimizes operational strategies through a marketing data platform, intelligent analysis platform, and BI (Business Intelligence) reporting system.

7. A carbon credit bank-driven commercial operation method for carbon inclusion, characterized in that, Includes the following steps: Step S1: Collect user green behavior data through IoT devices and API interfaces, and convert it into standardized carbon credits through an AI computing engine; Step S2: Based on blockchain technology, open carbon accounts for users in the core engine of the carbon credit bank to realize the asset registration and confirmation of carbon credits; Step S3: Integrate carbon credits into merchant consumption, government incentives, community governance and industry collaboration scenarios through the S2G2B2C platform to build a closed loop for credit issuance, circulation and consumption; Step S4: Utilize the policy and rule engine to dynamically adapt to local carbon inclusive policies, and improve operational compliance and efficiency through transaction matching and ESG tools; Step S5: Leverage the partner system and decision analysis dashboard to achieve market promotion and continuous optimization of the system.

8. The method according to claim 7, characterized in that, In step S2, the core engine of the carbon credit bank is further implemented as follows: The core engine of the carbon credit bank incentivizes users to earn interest on accumulated credits and provides collateralized financing services for active credits, thereby enhancing user stickiness.

9. The method according to claim 7, characterized in that, In step S3, the closed loop of carbon credit circulation is further realized through merchant consumption, government incentives and community governance, and industrial collaboration. The merchant consumption is realized as follows: residents use carbon credits to offset the amount of consumption at merchants, and merchants gain green customer traffic and brand exposure. The aforementioned government incentives and community governance are achieved by the government monitoring regional emission reduction progress through community carbon ledgers and using carbon credits to incentivize public behavior. The aforementioned industry collaboration achieves this by linking product carbon footprints with carbon credits at the industry level, thereby enhancing market competitiveness through green certification and marketing.

Images