Abstract: Methods, compositions, and systems are provided for monitoring tissue and organ health. The methods, compositions, and systems provided herein include, but are not limited to, whole genome sequence (WGS) based approaches for assessing copy number signals from cell free DNA (cfDNA) samples to identify tissue-specific cfDNA copy number profiles and enable quantification (830) of tissue fractions in the cfDNA samples.

Abstract: Techniques described herein include a platform and process enabling an electronic appliance to locally store payment credentials, loyalty point information, receive price comparison information for an item, redeem rewards or loyalty points to determine a best offer for the item, and enable delivery of said item to a user with minimal user interaction. In some embodiments, an electronic appliance can receive a query for offers for an item, receive order information from a plurality of merchants about the item, and apply loyalty points to determine an offer for the item. Upon receiving confirmation the electronic appliance may transmit access credentials for ordering the item for delivery and updating the loyalty point information for the account utilized to purchase the item from the determined offer.

Abstract: Described herein is a platform and method for providing multi-level authentication by an onboard system in relation to a transaction. In response to receiving information related to a transaction, one or more authentication policies may be identified and provided to an onboard system associated with the transaction. The authentication policies may be executed by the onboard system to generate a result set indicating a pass/fail for each authentication policy. Once the result set has been generated, success actions and/or failure actions associated with each authentication policy may be executed in accordance with the generated result set.

Abstract: A statement credit reward system receives a request to redeem reward points from an account holder in exchange for a virtual gift card, where the account holder's request may be in response to an offer from a merchant for the card. The statement credit reward system receives transaction information corresponding to one or more transactions conducted by the account holder with one or more merchants. The transaction information may contain a qualifying transaction conducted by the account holder with a merchant. The statement credit reward system will attempt to match a statement credit trigger with the qualifying transaction. If a match is not found, the statement credit reward system adds the predetermined number of reward points back into the account holder's balance of reward points. If a match is found, the statement credit reward system credits the monetary amount of the statement credit trigger to the account holder's balance.

Abstract: Described herein is a platform and method for providing multi-level authentication by an onboard system in relation to a transaction. In response to receiving information related to a transaction, one or more authentication policies may be identified and provided to an onboard system associated with the transaction. The authentication policies may be executed by the onboard system to generate a result set indicating a pass/fail for each authentication policy. Once the result set has been generated, success actions and/or failure actions associated with each authentication policy may be executed in accordance with the generated result set.

Abstract: Described herein is a platform and method for providing multi-level authentication by an onboard system in relation to a transaction. In response to receiving information related to a transaction, one or more authentication policies may be identified and provided to an onboard system associated with the transaction. The authentication policies may be executed by the onboard system to generate a result set indicating a pass/fail for each authentication policy. Once the result set has been generated, success actions and/or failure actions associated with each authentication policy may be executed in accordance with the generated result set.

Abstract: Techniques described herein include a platform and process enabling an electronic appliance to locally store payment credentials, loyalty point information, receive price comparison information for an item, redeem rewards or loyalty points to determine a best offer for the item, and enable delivery of said item to a user with minimal user interaction. In some embodiments, an electronic appliance can receive a query for offers for an item, receive order information from a plurality of merchants about the item, and apply loyalty points to determine an offer for the item. Upon receiving confirmation the electronic appliance may transmit access credentials for ordering the item for delivery and updating the loyalty point information for the account utilized to purchase the item from the determined offer.

Abstract: Described herein is a platform and method for providing multi-level authentication by an onboard system in relation to a transaction. In response to receiving information related to a transaction, one or more authentication policies may be identified and provided to an onboard system associated with the transaction. The authentication policies may be executed by the onboard system to generate a result set indicating a pass/fail for each authentication policy. Once the result set has been generated, success actions and/or failure actions associated with each authentication policy may be executed in accordance with the generated result set.

Abstract: The UNIVERSAL VALUE EXCHANGE MULTIPOINT TRANSACTIONS APPARATUSES, METHODS AND SYSTEMS (“UVEMT”) transform cross-ecosystem currency exchange instructions via UVEMT components into cross-ecosystem currency exchanges. In one embodiment, the UVEMT may obtain a cross-ecosystem currency exchange instruction and determine one or more sources and destinations based on parsing the cross-ecosystem currency exchange instruction. The UVEMT may identify currency types associated with the sources and the destinations and determine exchange rates of the currency types relative to a standard currency. In one implementation, the UVEMT may obtain currency exchange restrictions and conditions associated with the sources and the destinations and generate a currency exchange flow path for currency transfer from the sources to the destinations.

Abstract: The UNIVERSAL VALUE EXCHANGE APPARATUSES, METHODS AND SYSTEMS (“UVE”) transform cross-ecosystem currency exchange instructions via UVE components into cross-ecosystem currency exchanges. In one embodiment, the UVE may obtain a cross-ecosystem currency exchange instruction and determine one or more sources and destinations based on parsing the cross-ecosystem currency exchange instruction. The UVE may identify currency types associated with the sources and the destinations and determine exchange rates of the currency types relative to a standard currency. In one implementation, the UVE may obtain currency exchange restrictions and conditions associated with the sources and the destinations and generate a currency exchange flow path for currency transfer from the sources to the destinations.

Abstract: A statement credit reward system receives a request to redeem reward points from an account holder in exchange for a virtual gift card, where the account holder's request may be in response to an offer from a merchant for the card. The statement credit reward system receives transaction information corresponding to one or more transactions conducted by the account holder with one or more merchants. The transaction information may contain a qualifying transaction conducted by the account holder with a merchant. The statement credit reward system will attempt to match a statement credit trigger with the qualifying transaction. If a match is not found, the statement credit reward system adds the predetermined number of reward points back into the account holder's balance of reward points. If a match is found, the statement credit reward system credits the monetary amount of the statement credit trigger to the account holder's balance.

Abstract: A system for proactively marketing job openings via an employment clearinghouse in communication with employers and outreach organizations serving potential employees is provided. The employment clearinghouse provides information and services related to employment; receives one or more job openings from an employer; geocodes the one or more job openings to determine a location for each of the one or more job openings; determines, for each of the one or more job openings, one or more outreach organizations within a predetermined distance of the location determined for the job opening; and presents the received one or more job openings to the one or more determined outreach organizations.

Abstract: A system for proactively marketing job openings via an employment clearinghouse in communication with employers and outreach organizations serving potential employees is provided. The employment clearinghouse provides information and services related to employment; receives one or more job openings from an employer; geocodes the one or more job openings to determine a location for each of the one or more job openings; determines, for each of the one or more job openings, one or more outreach organizations within a predetermined distance of the location determined for the job opening; and presents the received one or more job openings to the one or more determined outreach organizations.

Abstract: Disclosed are articles useful in cleansing, and particularly wet-like cleansing wipes and toilet tissue. These articles are essentially dry to the touch prior to use, but deliver liquid when subjected to in-use shear and compressive forces. In one aspect, the articles of the present invention comprise a carrier and an emulsion applied to the carrier, the emulsion comprising a continuous external nonpolar phase and an internal polar phase dispersed in the external nonpolar phase, wherein the article is capable of retaining fluid prior to use. In another aspect, the emulsion-treated articles exhibit improved ability to release fluid when subjected to in-use pressures. The articles of the present invention offer a number of significant advantages over prior cleaning products when in the form of wet-like cleansing wipes such as those used for cleaning of hardsurfaces (e.g., floors, countertops, sinks, bathtubs, toilets, and the like) and wet-like toilet tissue.