Abstract: A system includes a plurality of modular subassemblies and a plate; wherein each modular subassembly comprises an enclosure and a plurality of optical components aligned to the enclosure, and each enclosure comprises a plurality of mounting structures; and wherein each modular subassembly is mechanically coupled to the plate by attachment of a mounting structure of the modular subassembly directly to a corresponding mounting structure located on the plate, such that by mechanically coupling each modular subassembly to the plate using the mounting structure of the modular subassembly and the corresponding mounting structure on the plate, adjacent modular subassemblies are aligned to each other upon such attachment, and wherein two of the modular subassemblies mechanically coupled to the plate are also attached to each other by mechanically coupling an alignment structure on one of the two modular subassemblies to a respective alignment structure on the other of the two modular subassemblies.

Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.

Abstract: Disclosed are compositions comprising chitin nanofibers (ChNF) and silver chitosan (AgCh) and/or silver-copper chitosan (AgCuCh). Also disclosed are methods of coating various substrates with the disclosed compositions in order to impart antiviral and antimicrobial properties, as well as oxygen and water vapor barrier properties, to the substrate. Coated substrates made by the disclosed methods are also disclosed.

Abstract: A system includes a plurality of modular subassemblies and a plate; wherein each modular subassembly comprises an enclosure and a plurality of optical components aligned to the enclosure, and each enclosure comprises a plurality of mounting structures; and wherein each modular subassembly is mechanically coupled to the plate by attachment of a mounting structure of the modular subassembly directly to a corresponding mounting structure located on the plate, such that by mechanically coupling each modular subassembly to the plate using the mounting structure of the modular subassembly and the corresponding mounting structure on the plate, adjacent modular subassemblies are aligned to each other upon such attachment, and wherein two of the modular subassemblies mechanically coupled to the plate are also attached to each other by mechanically coupling an alignment structure on one of the two modular subassemblies to a respective alignment structure on the other of the two modular subassemblies.

Abstract: An exemplary embodiment of the present disclosure provides a membrane including a supporting base layer, which can be permeable, and a dual layer oxygen barrier film disposable over the supporting base layer. The supporting barrier film can include a polymeric or paper-based material. The dual layer oxygen barrier film can include a chitin material and a cellulosic material.

Abstract: Disclosed are films and materials comprising poly(alkylene glycol)-chitosan and/or chitin-poly(glucuronic acid) and chitosan and/or chitin-poly(glucuronic acid). Methods of making such films, particularly involving thermally crosslinking poly(glucuronic acid) with chitosan, are disclosed.

Abstract: A system includes a plurality of modular subassemblies and a plate; wherein each modular subassembly comprises an enclosure and a plurality of optical components aligned to the enclosure, and each enclosure comprises a plurality of mounting structures; and wherein each modular subassembly is mechanically coupled to the plate by attachment of a mounting structure of the modular subassembly directly to a corresponding mounting structure located on the plate, such that by mechanically coupling each modular subassembly to the plate using the mounting structure of the modular subassembly and the corresponding mounting structure on the plate, adjacent modular subassemblies are aligned to each other upon such attachment, and wherein two of the modular subassemblies mechanically coupled to the plate are also attached to each other by mechanically coupling an alignment structure on one of the two modular subassemblies to a respective alignment structure on the other of the two modular subassemblies.

Abstract: A system includes a plurality of modular subassemblies and a plate; wherein each modular subassembly comprises an enclosure and a plurality of optical components aligned to the enclosure, and each enclosure comprises a plurality of mounting structures; and wherein each modular subassembly is mechanically coupled to the plate by attachment of a mounting structure of the modular subassembly directly to a corresponding mounting structure located on the plate, such that by mechanically coupling each modular subassembly to the plate using the mounting structure of the modular subassembly and the corresponding mounting structure on the plate, adjacent modular subassemblies are aligned to each other upon such attachment, and wherein two of the modular subassemblies mechanically coupled to the plate are also attached to each other by mechanically coupling an alignment structure on one of the two modular subassemblies to a respective alignment structure on the other of the two modular subassemblies.

Abstract: Methods for customizing an emergency fund account are provided. In one aspect, the method includes monitoring income sources and spending patterns associated with a client account. The method includes processing the monitored income sources and spending patterns to determine an initial fund goal for an emergency fund account associated with the client account The method includes transmitting, to a device associated with the client account, goal options comprising a first option to accept the initial fund goal and a second option to establish a custom fund goal. The method includes creating the emergency fund account based on a selection of one of the goal options. The method includes transmitting, to the device, a selection of deposit options for depositing funds into the emergency fund account based on the selection of one of the goal options. Systems and machine readable media are also provided.

Abstract: A method performed by a server executing an algorithm to render access to funds in real time from one or more deposits, which the funds may be withdrawn from user's opened account. The method including the steps of evaluating user's banking relationship for eligibility in a financial institution, performing a real time fraud review on the real time deposit by directly querying a fraud database to clear a likelihood of fraudulent transaction for insufficient funds and verifying payer's legitimacy, determining an approved amount (or a percentage) of the deposits available for real time access based on decisioning criteria and user's deposit balance in the opened account. Once cleared, the user may access funds in real time from the deposit up to the daily approved limit, without being levied a service charge or interests on the withdrawn amount.

Abstract: A method performed by a server executing an algorithm to render early access to a paycheck to a customer through funds advance. The method including the steps of determining customer's eligibility in a financial institution for early access to paycheck and an approved amount (or a percentage) of the at least one paycheck based on decisioning criteria and customer's recurring direct deposit transactions data. The decisioning criteria may evaluate a reoccurrence and a deposit amount of at least one direct deposit, a direct deposit periodicity and an average monthly or daily account balance. The direct deposit transactions data may include mining transaction description such as text information on the at least one direct deposit to verify authenticity of the customer's data on the at least one direct deposit.

Abstract: Methods and systems for rendering a line of credit micro loan have been disclosed. The method may be carried out by a server's processor executing code stored in a non-transitory computer-readable medium to carry out steps including: evaluating borrower's eligibility for approval of a micro loan, which an amount of the micro loan may be determined based on borrower's account relationship with a financial institution. The method may advance funds up to the approved amount into the borrower's at least one opened deposit account. The micro loan may be repaid through automatic debiting from one of borrower's at least one opened deposit account over a repayment period.

Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.

Abstract: Methods of making various capillary foams are provided. The foams can include liquid foams having a plurality of particles connected by a network of a secondary fluid at the interface between the discontinuous and continuous phase. The foams can also include solid foams where the continuous phases (bulk fluid) is removed to produce the solid foam having high overall porosities and low densities. Densities as low as 0.3 g cm?3 and porosities as high as 95% or higher can be achieved. The secondary fluid can be polymerized to further strengthen the solid foam. Methods and devices are also provided for oil recovery from water using a capillary foam. The methods can include forming a capillary foam wherein the oil is the secondary fluid, and wherein the foam can transport the oil to the surface of the water.

Abstract: A dynamic blockchain system includes: at least one complete asset node server, including a complete asset manager and a complete asset storage; a plurality of hash asset node servers, each including a hash asset manager and an asset blockchain and; a dynamic blockchain management server, including a blockchain manager, a representation calculation function, and an asset map with a plurality of map records; and a blockchain management device; such that the dynamic blockchain management server validates a digital asset by lookup in the at least one complete asset node server and by verification of the digital asset by a random sampling in a statistically significant number of hash asset node servers in the plurality of hash asset node servers.

Abstract: A system includes a plurality of modular subassemblies and a plate; wherein each modular subassembly comprises an enclosure and a plurality of optical components aligned to the enclosure, and each enclosure comprises a plurality of mounting structures; and wherein each modular subassembly is mechanically coupled to the plate by attachment of a mounting structure of the modular subassembly directly to a corresponding mounting structure located on the plate, such that by mechanically coupling each modular subassembly to the plate using the mounting structure of the modular subassembly and the corresponding mounting structure on the plate, adjacent modular subassemblies are aligned to each other upon such attachment, and wherein two of the modular subassemblies mechanically coupled to the plate are also attached to each other by mechanically coupling an alignment structure on one of the two modular subassemblies to a respective alignment structure on the other of the two modular subassemblies.

Abstract: Imaging systems including an objective lens and a line generation module are described herein. The objective lens may focus a first light beam emitted by the line generation module and a second light beam emitted by the line generation module at a focal point external to a sample so as to adjust line width. Line width may be increased to lower overall power density of a light beam on a surface of the sample such that the power density of the light beam on the surface of the sample is below a photosaturation threshold of a dye on the sample.

Abstract: A dynamic blockchain system includes: at least one complete asset node server, including a complete asset manager and a complete asset storage; a plurality of hash asset node servers, each including a hash asset manager and an asset blockchain and; a dynamic blockchain management server, including a blockchain manager, a representation calculation function, and an asset map with a plurality of map records; and a blockchain management device; such that the dynamic blockchain management server validates a digital asset by lookup in the at least one complete asset node server and by verification of the digital asset by a random sampling in a statistically representative number of hash asset node servers in the plurality of hash asset node servers.

Abstract: A system for biological sample analysis includes a plurality of modular subassemblies and a precision mounting plate, wherein each modular subassembly includes an enclosure and a plurality of optical components pre-aligned to the enclosure, and the enclosure includes a plurality of precision mounting structures, and each modular subassembly is mechanically coupled to the precision mounting plate, such that each precision mounting structure from a modular subassembly attaches directly to a corresponding precision mounting structure located on the precision mounting plate or an adjacent modular subassembly to optimize optomechanical tolerance.

Abstract: A dynamic blockchain system includes: at least one complete asset node server, including a complete asset manager and a complete asset storage; a plurality of hash asset node servers, each including a hash asset manager and an asset blockchain and; a dynamic blockchain management server, including a blockchain manager, a representation calculation function, and an asset map with a plurality of map records; and a blockchain management device; such that the dynamic blockchain management server validates a digital asset by lookup in the at least one complete asset node server and by verification of the digital asset by a random sampling in a statistically representative number of hash asset node servers in the plurality of hash asset node servers.