Abstract: A system may include a processor that may receive account information having a plurality of transactions associated with a bank account. The processor may then determine an expected burn rate of funds based on the account information, determine an expected savings balance at a first time based on the account information and the expected burn rate, generate an event in response to the expected savings balance being below a threshold, and send an alert including the event to a computing device associated with the user. The alert may indicate a status of the expected savings balance via an electronic display of the computing device.

Abstract: The present disclosure relates to methods and systems for providing personalized digital advice. A digital advisor service applies cross-entity historical interaction (e.g., behavior attributes) to one or more predictive models to identify one or more personalized goals for a user. The digital advisor service provides, via an application programming interface, the identified one or more personalized goals to an entity service, enabling the entity service to present the one or more personalized goals.

Abstract: A system may include a processor that may receive account information having a plurality of transactions associated with a bank account. The processor may then determine an expected burn rate of funds based on the account information, determine an expected savings balance at a first time based on the account information and the expected burn rate, generate an event in response to the expected savings balance being below a threshold, and send an alert including the event to a computing device associated with the user. The alert may indicate a status of the expected savings balance via an electronic display of the computing device.

Abstract: An access control reader includes a credential interface and a network interface. The access control reader includes a processor coupled to the credential interface and the network interface and computer memory coupled with the processor and comprising instructions that are executable by the processor. The instructions comprise instructions to determine that the access control reader has been connected to a power source, and instructions to monitor activity at the credential interface after the access control reader has been connected to the power source. The instructions comprise instructions that cause the access control reader to enter either a first mode of operation or a second mode of operation dependent upon whether or not activity is detected at the credential interface within a threshold amount of time after the access control reader has been connected to the power source.

Abstract: In a method for removing a substance from a feedstock comprising a solid metal or a solid metal compound, the feedstock is contacted with a fused-salt melt. The fused-salt melt contains a fused salt, a reactive-metal compound, and a reactive metal. The fused salt comprises an anion species which is different from the substance, the reactive-metal compound comprises the reactive metal and the substance, and the reactive metal is capable of reaction to remove at least some of the substance from the feedstock. A cathode and an anode contact the melt, and the feedstock contacts the cathode. An electrical current is applied between the cathode and the anode such that at least a portion of the substance is removed from the feedstock. During the application of the current, a quantity of the reactive metal in the melt is maintained sufficient to prevent oxidation of the anion species of the fused salt at the anode.

Abstract: An access control reader includes a credential interface and a network interface. The access control reader includes a processor coupled to the credential interface and the network interface and computer memory coupled with the processor and comprising instructions that are executable by the processor. The instructions comprise instructions to determine that the access control reader has been connected to a power source, and instructions to monitor activity at the credential interface after the access control reader has been connected to the power source. The instructions comprise instructions that cause the access control reader to enter either a first mode of operation or a second mode of operation dependent upon whether or not activity is detected at the credential interface within a threshold amount of time after the access control reader has been connected to the power source.

Abstract: An anti-passback algorithm for an access control system is described. The anti-passback algorithm prevents the use of valid credentials to gain access to an access-controlled area by more than one person within a given period of time. The algorithm is capable of distinguishing between credentials intentionally presented to the access control system and credentials that are unintentionally read by the access control system. Certain variables may be set by the access control system manufacturer or a trusted individual to adapt the algorithm for applications.

Abstract: Methods and systems are provided for an RFID system that can be tuned dynamically and/or in real-time during a coupling event between a reader and a transponder. The reader can comprise an antenna assembly, a signal driver, and a controller. The antenna assembly may include a tuning circuit and an antenna coupled to the tuning circuit. The tuning circuit can include registers that may be set to adjust one or more characteristics of the reader. A controller is coupled to the antenna assembly to determine characteristics of the received signal and to set hardware or firmware functions that improve the coupling of the reader and transponder and/or improve the reception of the signal(s) from the transponder.

Abstract: An anti-passback algorithm for an access control system is described. The anti-passback algorithm prevents the use of valid credentials to gain access to an access-controlled area by more than one person within a given period of time. The algorithm is capable of distinguishing between credentials intentionally presented to the access control system and credentials that are unintentionally read by the access control system. Certain variables may be set by the access control system manufacturer or a trusted individual to adapt the algorithm for applications.

Abstract: In a method for removing a substance from a feedstock comprising a solid metal or a solid metal compound, the feedstock is contacted with a fused-salt melt. The fused-salt melt contains a fused salt, a reactive-metal compound, and a reactive metal. The fused salt comprises an anion species which is different from the substance, the reactive-metal compound comprises the reactive metal and the substance, and the reactive metal is capable of reaction to remove at least some of the substance from the feedstock. A cathode and an anode contact the melt, and the feedstock contacts the cathode. An electrical current is applied between the cathode and the anode such that at least a portion of the substance is removed from the feedstock. During the application of the current, a quantity of the reactive metal in the melt is maintained sufficient to prevent oxidation of the anion species of the fused salt at the anode.