Abstract: A method, computer program product, and computer system for defining, at a computing device, psychometric data for a user. An interactive virtual assistant, selected from a plurality of interactive virtual assistants, may be provided on the computing device based upon, at least in part, the psychometric data defined for the user. The user may be prompted, via the interactive virtual assistant, with one or more options.

Abstract: A method, computer program product, and computer system for defining, at a computing device, psychometric data for a user. An interactive virtual assistant, selected from a plurality of interactive virtual assistants, may be provided on the computing device based upon, at least in part, the psychometric data defined for the user. The user may be prompted, via the interactive virtual assistant, with one or more options.

Abstract: In accordance with one embodiment, a method includes receiving a loan application from a debtor with unsecured debt; receiving financial transactions data associated with the debtor; parsing the financial transactions data into predetermined data features; verifying the income of the debtor on the loan application with the parsed financial transactions data; ranking the parsed financial transactions data based on the predetermined data features; and analyzing the parsed financial transactions data to determine a first probability of default by the debtor with a loan having a lower interest rate than an interest rate of the unsecured debt. The loan application includes income, payments/expenses, assets, and liabilities/debt to determine a stated net income for verification with a calculated net income. The income verification provides the calculated net income for comparison with the stated net income and a measure of reliability of the input data in the loan application.

Abstract: A method, computer program product, and computer system for defining, at a computing device, psychometric data for a user. An interactive virtual assistant, selected from a plurality of interactive virtual assistants, may be provided on the computing device based upon, at least in part, the psychometric data defined for the user. The user may be prompted, via the interactive virtual assistant, with one or more options.

Abstract: A method, computer program product, and computer system for defining, at a computing device, psychometric data for a user. An interactive virtual assistant, selected from a plurality of interactive virtual assistants, may be provided on the computing device based upon, at least in part, the psychometric data defined for the user. The user may be prompted, via the interactive virtual assistant, with one or more options.

Abstract: A direct write laser based machining process wherein a laser beam is controlled to machine a glass material in an interlaced raster scan pattern. An embodiment of machining a glass substrate to form an optical element is described. An ultrashort pulsed laser is used for machining and smoothing fused silica, followed by CO2 laser polishing. High speed and high quality machining is possible using this approach, which allows efficient use of high laser repetition rates.

Abstract: A method, computer program product, and computer system for defining, at a computing device, psychometric data for a user. An interactive virtual assistant, selected from a plurality of interactive virtual assistants, may be provided on the computing device based upon, at least in part, the psychometric data defined for the user. The user may be prompted, via the interactive virtual assistant, with one or more options.

Abstract: A computer-implemented method for delivering targeted advertising in an asynchronous messaging-based social networking platform, the system comprising: providing a messaging server configured to managed asynchronous message delivery to a plurality of users, wherein a message comprises: a content title; a timestamp; a profile id, wherein the profile id is a unique identifier associated with a publisher of the message; and a message; providing a user authentication database configured to store and manage user authentication information for the plurality of users; maintaining a plurality of bindings configured to associate at least one user of the system with at least one other user of the system; storing an articles database configured to store messages within the system; identifying a plurality of publishers wherein each publisher posts a plurality of messages within the system; determining a plurality of channels; for each channel, associating a plurality of the publishers with the channel; and providing adve