Abstract: Systems and methods for providing authentication circles to pursue financial goals and/or share expenses with others are provided. One or more provider computing systems are communicatively coupled to one or more user devices. Users may join a circle and make contributions via electronic messages that may allow for acceptance in a one-click fashion. Members may, for example, plan for and share expenses for a trip and compare the expenses with budgets.

Abstract: A pervasive advisor for major purchases and other expenditures may detect that a customer is contemplating a major purchase (e.g., through active listening). The advisor may assist the customer with the timing and manner of making the purchase in a way that is financially sensible in view of the customer's financial situation. A customer may be provided with dynamically-updated information in response to recent actions that may affect an approved loan amount and/or interest rate. Underwriting of a loan may be triggered based on the geo-location of the user. Financial advice may be provided to customers to help them meet their goals using information obtained from third party sources, such as purchase options based on particular goals. The pervasive advisor may thus intervene to assist with budgeting, financing, and timing of major expenditures based on the customer's location and on the customer's unique and changing circumstances.

Abstract: A pervasive user experience capable of integrating robo-advising with human advising is discussed. Conversations and other inputs may be actively captured to identify issues with which the system may be able to assist. Inputs from multiple conversations separated in time may be correlated to identify relevant needs and goals. Recommendations and strategies may be developed and presented to the customer. When it is determined that human advising is appropriate for one or more issues, the customer may be connected to an advisor for assistance with particular issues. Transitions may be facilitated to allow customers to more efficiently return to robo-advising until human advising is again deemed appropriate.

Abstract: An example 3D model generation system wherein a procedural-rule generation application is configured to receive portions of a source 3D model of a given object type; receive position information defining intended relative positions of those portions in a target 3D model of the given object type; receive or specify scaling rules associated with the portions; and generate procedural rules, based on the portions, position information and scaling rules, for generation of the target 3D model based on a given value of the target size; and a model generation application is configured, at runtime, to: receive the procedural rules and an input value of the target size; and based on the received procedural rules and the input value, generate the target 3D model having the input value of the target size by procedural generation.

Abstract: Embodiments provide object visualisation systems. An object visualisation system comprises a tracking system, an image capture unit and a visualisation unit. The tracking system determines an origin point location, and identifies the relative positions of object substitutes among a plurality of object substitutes comprising tracking identifiers relative to the origin point location using the tracking identifiers. The tracking system also communicates the relative position information for the plurality of object substitutes to the visualisation unit. The image capture unit captures an image of at least one object substitute from among the plurality of object substitutes, and communicates the captured image to the visualisation unit. The visualisation unit tracks the origin point location and generates an augmented image using the origin point location, the relative position information for the plurality of object substitutes and the captured image of at least one object substitute.

Abstract: A computing system, in some examples, for design development having at least one computer, wherein a first design application is configured to run within a browser and handle a representation of a first design; a second design application is configured to run on said given computer or on another computer of the system as a native application of the computer concerned and handle a representation of a second design; at least one of the first and second design applications is configured, at runtime and in real time as a user of that one of those applications updates the representation of the design of that one of those applications to update that design, to communicate the update via a server to the other one of those applications and apply the update to the representation of the design of that other one of those applications to update that design.

Abstract: A computing system for design representation comprising at least first and second computers, wherein: a first design application is configured to run on said first computer and handle a representation of a first design, the first design application being a 2D design application, and the representation of the first design being a 2D data representation for display by 2D rendering, vector-based rendering and/or canvas rendering; and a second design application is configured to run on said second computer and handle a representation of a second design, the second design application being a 3D design application, and the representation of the second design being a 3D data representation for display by 3D rendering. The second design application is configured to generate the representation of the second design based on a definition of the first design communicated from the first design application.

Abstract: A process for detecting viable waterborne pathogens in a water sample, includes enriching at least a portion of the sample with an enrichment broth and taking a first DNA extract at time T0 and a second DNA extract at time T2 after an incubation period. Real-time polymerase chain reaction performed on the DNA extracts yields respective cycle threshold values Ct. The change in Ct provides an indication of viability of the targeted pathogen in the sample. An order of magnitude quantification of the sample can also be performed using a serial dilution technique on the T0 DNA extract. The process has particular application for detecting Legionella, including viable but not culturable cells.

Abstract: A process for detecting viable waterborne pathogens in a water sample, includes enriching a concentrate of bacteria from the sample and taking a first DNA extract at time T0 and a second DNA extract at time T2 after an incubation period. Real-time polymerase chain reaction performed on the DNA extracts yields respective cycle threshold values Ct. The change in Ct provides an indication of the targeted pathogen in the sample. An order of magnitude quantification of the sample can also be performed using a serial dilution technique on the T0 DNA extract. The process has particular application for detecting Legionella, including viable but not culturable cells.