Abstract: Disclosed herein is an integrity-and-volume testing system for an unsecured loan-lending system. The integrity-and-volume testing system includes, in some embodiments, a data-preparation module, a quality-assurance framework, and a development version of the unsecured loan-lending system. The data-preparation module is configured to prepare sample loan-application input values for borrower-related information and loan-product information. The quality-assurance framework is configured to generate sample loan applications from the sample loan-application input values, as well as validate processed sample loan applications against processed-as-expected loan applications. The development version of the unsecured loan-lending system is configured to process the sample loan applications into the processed sample loan applications for validation against the processed-as-expected loan applications. Also disclosed herein is a method of the integrity-and-volume testing system for the unsecured loan-lending system.

Abstract: This disclosure relates to a lending system comprising a processor, a memory, and at least one network interface controller configured to enable data exchange with external systems. The memory includes lending management logic configured to execute a personal loan-lending system wherein one or more loans are generated by collecting and preprocessing borrower data from multiple sources, conducting risk assessment and scoring, generating one or more scores based on the conducted risk assessment, and approving loans based on the generated scores. The system leverages machine learning processes to refine scoring accuracy and dynamically adapt to borrower profiles and external conditions. The system may integrate with third-party data sources for enhanced verification and incorporate compliance logic to ensure adherence to regulatory standards.

Abstract: A liquid anhydrous composition including (a) at least one water soluble dye, (b) at least one polyol, and (c) a polyglyceryl-10 pentaoleate, (d) at least one volatile oil, wherein the relative mass amount of (a)/(b)/(c) is ranging between 1/0.6/8?(a)/(b)/(c)?1/6/18, and a method for preparing the liquid anhydrous composition.

Abstract: Disclosed herein is a personal loan-lending system including, in some embodiments, a personal loan-originating system configured for originating personal loans, a personal loan-servicing system configured for servicing the personal loans, and third-party integration supporting the originating or the servicing of the personal loans. The third-party integration includes one or more application programming interfaces configured for transferring loan-related information between the personal loan-lending system and third parties such as credit bureaus, employment verification providers, or the like. The personal loan-lending system includes one or more server hosts supporting a personal loan-originating application stack and a personal loan-servicing application stack. Also disclosed herein are methods of the personal loan-lending system.

Abstract: A liquid anhydrous composition including (a) at least one water soluble dye, (b) at least one polyol, and (c) a polyglyceryl-10 pentaoleate, (d) at least one volatile oil, wherein the relative mass amount of (a)/(b)/(c) is ranging between 1/0.6/8?(a)/(b)/(c)?1/6/18, and a method for preparing the liquid anhydrous composition.

Abstract: Disclosed herein is an integrity-and-volume testing system for an unsecured loan-lending system. The integrity-and-volume testing system includes, in some embodiments, a data-preparation module, a quality-assurance framework, and a development version of the unsecured loan-lending system. The data-preparation module is configured to prepare sample loan-application input values for borrower-related information and loan-product information. The quality-assurance framework is configured to generate sample loan applications from the sample loan-application input values, as well as validate processed sample loan applications against processed-as-expected loan applications. The development version of the unsecured loan-lending system is configured to process the sample loan applications into the processed sample loan applications for validation against the processed-as-expected loan applications. Also disclosed herein is a method of the integrity-and-volume testing system for the unsecured loan-lending system.

Abstract: Disclosed herein is a personal loan-lending system including, in some embodiments, a personal loan-originating system configured for originating personal loans, a personal loan-servicing system configured for servicing the personal loans, and third-party integration supporting the originating or the servicing of the personal loans. The third-party integration includes one or more application programming interfaces configured for transferring loan-related information between the personal loan-lending system and third parties such as credit bureaus, employment verification providers, or the like. The personal loan-lending system includes one or more server hosts supporting a personal loan-originating application stack and a personal loan-servicing application stack. Also disclosed herein are methods of the personal loan-lending system.

Abstract: A method for conducting a cognitive search is provided. The method comprises: receiving, at a server, a search profile comprising embedded data characteristics, sending a search request, using a processor, to a database of search engines, selecting a defined subset of search engines from the database based on the search profile, requesting the defined subset of search engines to conduct a real-time searching based on the search profile, requesting real-time searching progress data from the defined subset of search engines, collecting real-time searching progress data from the defined subset of search engines, and choose at least one optimally-selected search engine based on the real-time searching progress data from the defined subset of search engines.

Abstract: A method for providing a user interface for multivariate searching is provided. The method comprises displaying, by a computing device, the user interface having an input portion and a search type selection portion which may have two or more search type objects. Each object corresponds to a different type of search to be performed, which may be represented by an icon indicating the type of search to be performed. The method further comprises: receiving, by the computing device, a first input string in the input portion and a first selection of one of the two or more search type objects; associating a first search type on the first input string based on the first selection of one of the search type objects; and displaying the first search type and the first input string on the user interface.

Abstract: The invention comprises modified luciferase proteins which are more resistant to inhibition by test chemicals than wild type luciferase. The modified luciferases also contain greater thermostability than wild type luciferase.

Abstract: A composition containing an alkylpolysaccharide, a polyethylene glycol ether of a fatty alcohol, and an oil, useful for makeup removal. Related methods of use and articles of manufacture.