Abstract: A mobile device includes a processing circuit and a network interface structured to communicate data over a network. The mobile device transmits an instance of user activity information to a remote computing system. The mobile device receives and implements, from the remote computing system, a time-limited budget restriction on a user payment account. The time-limited budget restriction is based on a user spending profile that is based on the instance of the user activity information as compared to a baseline level of user spending and a baseline activity characteristic.

Abstract: Methods and cells are provided for electrochemically oxidizing methane to formate, in which methane supplied to an alkaline aqueous anolyte medium comprising hydroperoxyl anions is brought into contact with an oxidation catalyst anode. The oxidation catalyst may include CuFe oxide catalytic centres supported on a nickel substrate. An anodic current supplied to the oxidation catalyst in the anolyte medium electrolytically oxidizes methane to formate.

Abstract: Aspects of the present disclosure are directed to lightweight calling among users with avatar animation. A lightweight call can be a user-to-user interaction between users. For example, each users' system can stream lightweight call data to the other user system and output the lightweight call data. In some implementations, the output includes displaying animated avatar(s) and audio data for the lightweight call. For example, the streamed lightweight call data for a first user system can include avatar animation data for an avatar that represents that first user and audio data captured via microphone(s) of the first user system. A second user system can output the avatar animation data as an animated avatar and the corresponding audio data. Implementations of the lightweight call can be displayed via a lightweight call panel that includes side-by-side animated avatars representative of the call participants.

Abstract: A mobile device includes a processing circuit and a network interface structured to communicate data over a network. The mobile device generates and transmits a request to register for an alert program to a remote computing system and the mobile device renders a registration interface comprising a prompt asking permission to access user activity information. In response to receiving permission, the mobile device transmits an indication of approval to a remote computing system. After transmitting approval, the mobile device transmits an instance of the user activity information to the remote computing system. In response to sending the instance, the mobile device receives and implements a time-limited budget restriction on a user payment account where the time-limited budget restriction is based at least in part on the instance of the user activity.

Abstract: Systems and methods for smart communication for providing communication between users showing availability of users via an augmented reality avatar is provided. The system may determine availability by detection of motion and location of a user relative to a device. The system may also determine privacy video calling availability utilizing augmented reality avatars with facial expression tracking. The system may be directed to video communication devices configured for various actions such as, for example, video calling, streaming, gaming, and augmented reality.

Abstract: A downhole testing and sampling system includes a downhole tool, a conveyance system, and a testing and sampling tool forming a portion of the downhole tool. The testing and sampling tool including a first sampling modality and a second sampling modality. One or both of the first sampling modality or the second sampling modality may be deployed to collect a formation sample based, at least in part, on one or more formation properties.

Abstract: A system for collecting property status information from a property for a virtual appraisal receives the property status information from a plurality of devices positioned about the property, stores the property status information in a database, and assesses the property status information to create the virtual appraisal for the property.

Abstract: Systems and techniques for goal optimized process scheduler are described herein. A set of processes may be obtained from a plurality of process engines. Process data may be identified for each member of the set of processes. Goal data may be obtained for a goal. The goal data may indicate elements for attainment of the goal by completion of one or more processes of the set of processes. A process schedule may be generated for the set of processes based on the goal data. The process schedule may be optimized through removal of processes from the process schedule by comparison of the process data to the goal data. The optimized process schedule may include a linear organization of processes for attainment of the goal. An optimized process schedule workflow may be created for display on a user interface of a computing device.

Abstract: In some implementations, an olfaction system may receive partition coefficients associated with one or more molecules detected in a headspace of a sample captured from an environment. The olfaction system may generate a quantum-ready dataset based on the partition coefficients using a partial quantum autoencoder that includes one or more quantum gate layers. The olfaction system may use a quantum approximate optimization algorithm to identify, within a spectrum of potential smells simulated by a quantum circuit, a set of smells emitted by the sample based on the quantum-ready dataset. The olfaction system may map a set of objects to the set of smells emitted by the sample. The olfaction system may predict a future state associated with the set of smells emitted by the sample using one or more hybrid quantum machine learning models.

Abstract: A financial institution computing system includes a customer account database configured to retrievably store information pertaining to a plurality of financial accounts held by a plurality customers of the financial institution and a processing circuit. The processing circuit is configured to transfer a first amount of funds from a plurality customer financial accounts associated with a plurality of customers a pooling account, wherein the plurality of customers belong to a predetermined pooling group associated with the pooling account, identify a financial account associated with a paying customer, the paying customer having insufficient funds for a payment amount to a third party, and transfer a second amount of funds from the pooling account based on the payment amount to the financial account associated with the paying customer , wherein the paying customer belongs to the predetermined pooling group.

Abstract: Systems and techniques for automated voice assistant personality selector are described herein. A task may be identified that is to be completed by a user of a voice-enabled virtual assistant. A response may be output in connection with the task using a default personality for the voice-enabled virtual assistant selected based on the task. A task completion checkpoint may be determined for the task. It may be identified that the task completion checkpoint has not been reached. A personality profile of the user may be compared to personality data of a set of voice-enabled virtual assistant profiles corresponding to respective members of a set of available voice personalities for the voice-enabled virtual assistant. An escalation personality may be selected for the voice-enabled virtual assistant based the comparison and the task. Commands for facilitating user completion of the task may be transmitted via the voice-enabled virtual assistant using the selected escalation personality.

Abstract: Features are disclosed for dynamically provisioning an application stack using a set of infrastructure resources. A computing device can receive an infrastructure template from an administrative device. Based on the infrastructure template, the computing device can determine a schema and an infrastructure as code. Using the schema, the computing device can receive a specification file from a developer device or an administrative device. The specification file can be a service specification file or an environment specification file. The computing device can inject the values of the specification file into the infrastructure as code. The computing device can use the injected infrastructure as code to generate and deploy the application stack to the developer device.

Abstract: Systems and techniques for voice enabled assistant for community demand fulfillment are described herein. A community of user devices may be identified that are registered with a voice-based supply and demand matching service. A supply of an item may be determined based on first user audio collected from a first user device of the community of user devices. A demand for the item may be determined based on second user audio collected from a second user device of the community of user devices. An indication of the supply may be transmitted to a user of the second user device.

Abstract: An apparatus (300) for processing data comprises a plurality of memory access request sources (102,104) which generate memory access requests. Each of the memory access request sources has a local memory (106,108), and the apparatus also includes a shared memory (110). When the memory access requests are atomic memory access requests, contention may arise over common data. When this occurs, the present technique triggers a switch of processing data in the local memory of a memory access request source to processing data in the shared memory.

Abstract: A system for collecting property status information from a property for a virtual appraisal receives the property status information from a plurality of devices positioned about the property, stores the property status information in a database, and assesses the property status information to create the virtual appraisal for the property.

Abstract: A financial institution computing system includes a network interface structured to communicate data over a network, a user database configured to store information to a plurality of users, and a processing circuit comprising a processor and a memory. The memory is structured to store instructions that are executable by the processor and cause the processor to retrieve a user transaction history associated with the user payment account from the user database, determine a baseline level of user spending based on the user transaction history, receive, by the network interface, user activity information pertaining to the user, determine that the received user activity information is indicative of a predetermined level of user spending relative to a baseline level of user spending, and transmit, by the network interface, an alert to a user computing device associated with the user responsive to the determination.

Abstract: Systems and techniques for goal optimized process scheduler are described herein. A set of processes may be obtained from a plurality of process engines. Process data may be identified for each member of the set of processes. Goal data may be obtained for a goal. The goal data may indicate elements for attainment of the goal by completion of one or more processes of the set of processes. A process schedule may be generated for the set of processes based on the goal data. The process schedule may be optimized through removal of processes from the process schedule by comparison of the process data to the goal data. The optimized process schedule may include a linear organization of processes for attainment of the goal. An optimized process schedule workflow may be created for display on a user interface of a computing device.

Abstract: Photocatalysts and methods of using the same for producing hydrogen and oxygen from water are disclosed. The photocatalysts include photoactive titanium dioxide loaded with 0.5 wt. % to 4 wt. % of a hole-scavenging material comprising cobalt oxide and 0.1 wt. % to 1 wt. % of palladium (Pd) and/or a Pd—Co alloy.

Abstract: Systems and techniques for voice enabled assistant for community demand fulfillment are described herein. A community of user devices may be identified that are registered with a voice-based supply and demand matching service. A supply of an item may be determined based on first user audio collected from a first user device of the community of user devices. A demand for the item may be determined based on second user audio collected from a second user device of the community of user devices. An indication of the supply may be transmitted to a user of the second user device.

Abstract: Systems and techniques for automated voice assistant personality selector are described herein. A task may be identified that is to be completed by a user of a voice-enabled virtual assistant. A response may be output in connection with the task using a default personality for the voice-enabled virtual assistant selected based on the task. A task completion checkpoint may be determined for the task. It may be identified that the task completion checkpoint has not been reached. A personality profile of the user may be compared to personality data of a set of voice-enabled virtual assistant profiles corresponding to respective members of a set of available voice personalities for the voice-enabled virtual assistant. An escalation personality may be selected for the voice-enabled virtual assistant based the comparison and the task. Commands for facilitating user completion of the task may be transmitted via the voice-enabled virtual assistant using the selected escalation personality.