Abstract: Customers of a financial institution may apply for a line of credit for use with, e.g., a web-based bill pay service. The credit line may be determined using an average value of the customer's previously direct-deposited paychecks and an analysis of the customer's spending behavior using the web-based bill pay service. In some implementations, the financial institution may aggregate data points associated with the customer to make a determination of an amount, an interest rate, and a term of the line of credit. The line of credit may be used to pay bills from a financial services institution and unrelated third-party billers with which the customer has a payment history, as well as provide for cash for use by the customer.

Abstract: Polycrystalline diamond compacts having interstitial diamonds and methods of forming polycrystalline diamond compact shaving interstitial diamonds with a quench cycle are described herein. In one embodiment, a polycrystalline diamond compact includes a substrate and a polycrystalline diamond body attached to the substrate. The polycrystalline diamond body includes a plurality of inter-bonded diamond grains that are attached to one another in an interconnected network of diamond grains and interstitial pockets between the inter-bonded diamond grains, and a plurality of interstitial diamond grains that are positioned in the interstitial pockets. Each of the plurality of interstitial diamond grains are attached to a single diamond grain of the interconnected network of diamond grains or other interstitial diamond grains.

Abstract: In some embodiments, the systems and methods built in accordance with the present disclosure may analyze audience engagement with a presentation displayed during a live meeting and may provide feedback to a presenter during and/or after the presentation. In some embodiments, the provided feedback may include determining one or more metrics indicative of participant engagement levels. Participant engagement levels may then be used to adjust live meetings in real-time and/or after the live meeting has ended. A system may include one or more presenter computing devices, one or more participant computing devices and a server system including a data analytics module configured to determine metrics indicative of participant engagement levels.

Abstract: Diamond bodies and methods of manufacture are disclosed. Diamond bodies are formed from at least a bimodal, alternatively a tri-modal or higher modal, feedstock having at least one fraction of modified diamond particles with a fine particle size (0.5-3.0 ?m) and at least one fraction of diamond particles with coarse particle size (15.0 to 30 ?m). During high pressure-high temperature processing, fine particle sized, modified diamond particles in the first fraction preferentially fracture to smaller sizes while preserving the morphology of coarse particle sized diamond particles in the second fraction. Diamond bodies incorporating the two fractions have a microstructure including second fraction diamond particles dispersed in a continuous matrix of first fraction modified diamond particles and exhibit improved wear characteristics, particularly for wear associated with drilling of geological formations.

Abstract: Diamond bodies and methods of manufacture are disclosed. Diamond bodies are formed from at least a bimodal, alternatively a tri-modal or higher modal, feedstock having at least one fraction of modified diamond particles with a fine particle size (0.5-3.0 ?m) and at least one fraction of diamond particles with coarse particle size (15.0 to 30 ?m). During high pressure—high temperature processing, fine particle sized, modified diamond particles in the first fraction preferentially fracture to smaller sizes while preserving the morphology of coarse particle sized diamond particles in the second fraction. Diamond bodies incorporating the two fractions have a microstructure including second fraction diamond particles dispersed in a continuous matrix of first fraction modified diamond particles and exhibit improved wear characteristics, particularly for wear associated with drilling of geological formations.

Abstract: A security code module is provided that a developer may include in an application. The application, when downloaded onto a mobile communications device, includes the security code module. The security code module then initiates a request to a server to determine the status of the mobile communications device. When the status indicates that the mobile communications device is not in the possession of the registered owner, a security component on the server performs an action in response.

Abstract: A computing device creates verification information and a challenge token and sends the verification information and token to a server. The computing device receives authentication credentials and a command from the server and a command. The authentication credentials were generated using verified authentication information and the token. The computing device verifies the authentication credentials and processes the command if the credentials are valid.

Abstract: Systems and methods are disclosed for managing personal data on a mobile communications device in which personal data stored at one or more locations on the mobile communications device is identified by a policy management module on the mobile communications device. A policy is then created based on the identified personal data. The policy management module on the mobile communications device monitors at least the personal data stored in the one or more locations on the mobile communications device and detects attempts to access the monitored data.

Abstract: In a method and system for responding to an unauthorized action on a mobile communications device, a cryptographic key is destroyed. The destruction of the cryptographic key is followed by initiating a boot sequence at the mobile communications device where the device is booted into a kernel that restricts operation of the mobile communications device to communications with a server.

Abstract: A computing device creates verification information and a challenge token and sends the verification information and token to a server. A server receives a command and authentication information and uses the verification information to verify the authentication information. The server creates authentication credentials based on the authentication information and the challenge token. The computing device receives the command and the authentication credentials from the server, determines whether the credentials are valid, and then processes the command if the credentials are valid.

Abstract: A system and method to create a policy for managing personal data on a mobile communications device are disclosed. Personal data stored at one or more locations on the mobile communications device is identified by a policy management module on the mobile communications device. A policy is then created based on the personal data stored at the one or more locations. The policy management module on the mobile communications device monitors at least the personal data stored in the one or more locations on the mobile communications device.

Abstract: A device for detecting exposure to light includes: a photo-responsive layer including a photochromic material; a skin-mimicking cover layer covering a first side of the photo-responsive layer; and an adhesive layer configured to couple a second side of the photo-responsive layer opposite the first side to a surface.

Abstract: Described herein are techniques for obtaining and distributing validated information regarding an event, performed by an artist, to a performing rights organization (PRO). More particularly, described herein are embodiments of a platform that collects validated information regarding a performance by an artist of one or more works registered with a PRO, and distributes that collected information to a PRO to act as a validated source of information regarding a performance. Upon receipt of the validated information from the platform, the PRO may act to distribute royalties to the artist who performed in the performance of the registered work(s). In some embodiments, the platform may permit automated retrieval of validated information regarding a performance, that is to be compiled for submission to the PRO regarding the performance.

Abstract: Diamond bodies and methods of manufacture are disclosed. Diamond bodies are formed from at least a bimodal, alternatively a tri-modal or higher modal, feedstock having at least one fraction of modified diamond particles with a fine particle size (0.5-3.0 ?m) and at least one fraction of diamond particles with coarse particle size (15.0 to 30 ?m). During high pressure—high temperature processing, fine particle sized, modified diamond particles in the first fraction preferentially fracture to smaller sizes while preserving the morphology of coarse particle sized diamond particles in the second fraction. Diamond bodies incorporating the two fractions have a microstructure including second fraction diamond particles dispersed in a continuous matrix of first fraction modified diamond particles and exhibit improved wear characteristics, particularly for wear associated with drilling of geological formations.

Abstract: An adaptive link is generated for delivering a device platform-specific and personalized digital pass. When the adaptive link is activated by an end user, a network request is sent from an end-user device to a digital pass management system. The network request may include header information that identifies the device platform of the end-user device. The digital pass management system extracts query string parameters included in the adaptive link. Based on the parameters, a personalized data set in a specific data format such as JSON is generated. A template that is compatible to the device platform is selected. A digital pass that is compatible with the device platform is generated and delivered based on the requirements of the end-user device. In some cases, the adaptive link may include location information such as latitude and longitude coordinates. The digital pass generated may also be location specific.

Abstract: A device for detecting exposure to light includes: a photo-responsive layer including a photochromic material; a skin-mimicking cover layer covering a first side of the photo-responsive layer; and an adhesive layer configured to couple a second side of the photo-responsive layer opposite the first side to a surface.

Abstract: A method of coating a substrate includes distributing a first catalyst slurry having a first catalytic composition and a first initial viscosity within the substrate to form a first catalyst layer within the substrate; adjusting the viscosity of the first catalyst layer such that the first catalyst layer is made to have a first adjusted viscosity that is greater than the first initial viscosity of the first catalyst slurry; distributing a second catalyst slurry having a second catalytic composition and a second initial viscosity within the substrate to form a second catalyst layer within the substrate, the second initial viscosity being made to be less than the first adjusted viscosity; the second catalyst slurry being distributed within the substrate while the first catalyst layer is in a wet state such that the second catalyst layer is formed as a wet-on-wet coating that at least partially overlaps the first catalyst layer.

Abstract: A method of coating a substrate includes distributing a first catalyst slurry having a first catalytic composition and a first initial viscosity within the substrate to form a first catalyst layer within the substrate; adjusting the viscosity of the first catalyst layer such that the first catalyst layer is made to have a first adjusted viscosity that is greater than the first initial viscosity of the first catalyst slurry; distributing a second catalyst slurry having a second catalytic composition and a second initial viscosity within the substrate to form a second catalyst layer within the substrate, the second initial viscosity being made to be less than the first adjusted viscosity; the second catalyst slurry being distributed within the substrate while the first catalyst layer is in a wet state such that the second catalyst layer is formed as a wet-on-wet coating that at least partially overlaps the first catalyst layer.