Cups (stylized as CUPS) was a mobile app launched in New York City in April 2014. It was a mobile payment and discovery platform for independent coffee shops nearby. The app was active in more than 400 cafes in New York, San Francisco, Philadelphia, Nashville, Minneapolis and Saint Paul, and other U.S. cities. == History == Cups was founded in Israel in 2012 by Gilad Rotem and four other co-founders, who were all high school friends. The company ran a limited beta pilot in Tel Aviv and Jerusalem, featuring 80 locations, from September 2012 until September 2014. Customers received all-you-can-drink coffee at certain coffee shops in Tel Aviv for approximately $45 a month. In October 2013, the founders relocated to New York. Cups participated in the Entrepreneur's Roundtable Accelerator program and went live in New York in 2014, initially working with 50 small coffee shops in Manhattan and Brooklyn. In early 2016, the company launched 30 locations in Philadelphia in February, followed by 40 more locations in San Francisco in March. == Functionality == The Cups app gave the user a list of the nearest participating coffee shops to their current location. The app user can order a drink using the app and pay the cashier with their phone. The cashier would enter a code that entered the purchase into the app's system. The app also allowed for onboard tipping and food purchases. The company reimbursed the coffee shop and kept a portion of their sales. In early 2016, the Cups Café Network was launched, using bulk purchasing power to land discounts with service providers which would normally be reserved for larger chains. In this way, the company aimed to help its café partners compete with the larger coffee chains.
Wave Financial
Wave is a Canadian company that provides financial services and software for small businesses. Wave is headquartered in the East Bayfront neighbourhood in Toronto, Canada. The company's first product was free online accounting software designed for businesses with 1–9 employees, followed by invoicing, personal finance and receipt-scanning software (OCR). In 2012, Wave began branching into financial services, initially with Payments by Wave (credit card processing) and Payroll by Wave, followed in February 2017 by Lending by Wave, which has since been discontinued. == History == CEO Kirk Simpson and CPO James Lochrie launched Wave Accounting Inc. in July 2009, Wave Accounting launched to the public on November 16, 2010. In June 2011, Series A funding led by OMERS Ventures was closed. In September 2011, FedDev Ontario invested one million dollars in funding. In October 2011, a $5-million investment led by U.S. venture capital firm Charles River Ventures was announced. In May 2012, Wave Accounting closed its series B financing round led by The Social+Capital Partnership, with follow-on participation from Charles River Ventures and OMERS Ventures. Wave acquired a company called Small Payroll in November 2011, which was later launched as a payroll product called Wave Payroll. In February 2012, Wave officially launched Wave Payroll to the public in Canada, followed by the American release in November of the same year. In August, 2012, the company announced the acquisition of Vuru.co, an online stock-tracking service. Terms of the deal were not disclosed. In December 2012, the company rebranded itself as Wave to emphasize its broadened spectrum of services. On March 14, 2019, the company acquired Every, a Toronto-based fintech company that provides business accounts and debit cards to small businesses. On June 11, 2019, the company announced it was being acquired by tax preparation company, H&R Block, for $537 million. On June 15, 2022, Wave announced that Kirk Simpson would be leaving and being replaced as CEO by Zahir Khoja. In May 2025, US customers of Wave were transitioned to a new Payroll processing system supported by CheckHQ. The new integration improved support for US employers by handling employer tax withholding and payments in all 50 US States. == Products == The company's initial product, Accounting by Wave, is a double entry accounting tool. Services include direct bank data imports, invoicing and expense tracking, customizable chart of accounts, and journal transactions. Accounting by Wave integrates with expense tracking software Shoeboxed and e-commerce website Etsy. The next product launched was Payroll by Wave, which was launched in 2012 after the acquisition of SmallPayroll.ca. Payroll by Wave is only available in the US and Canada. Invoicing by Wave is an offshoot of the company's earlier accounting tools. Additional products launched on or shortly after the company's rebrand in December 2012 include: a credit card processing tool, Payments by Wave, built initially on integration with Stripe credit card processing. However, Wave does not report merchant fees correctly for countries where Stripe charges a tax such as GST. In these cases, the merchant fees are reported without tax and do not match your Stripe account. a receipt scanning tool, Receipts by Wave. In 2017, Wave signed an agreement to provide its platform on RBC's online business banking site. The RBC-Wave service will be co-branded. == Taxes supported == The company's software supports tax-exclusive pricing, such as U.S. sales tax, where taxes are added on top of prices quoted. This has two effects: When scanning receipts users must manually add the tax, and input the amount. When making an invoice, users must put in a price before tax, and the system will add the tax on top. This makes Wave unable to handle taxes in countries like Australia where prices must be quoted inclusive of all taxes, such as GST. There is no way to set an invoice total and have Wave calculate the tax portion as a percentage. == Pricing and business model == As of June 10, 2024, Wave offers two tiers for its software: a free Starter plan with limitations on some features, and a paid Pro plan. In addition to its paid plan, revenue from the company comes from other paid financial services the company offers: Payments by Wave: Card processing which includes debit, credit and prepaid cards as well as ACH (bank payments) in the United States. Fees are a percentage of the transaction. Payroll by Wave: Monthly subscription fee plus usage fees. Wave previously included advertising on its pages as a source of revenue. Advertising was removed in January 2017. In 2017, Wave raised $24m (USD) in funding led by NAB Ventures. In 2019, H&R Block announced the acquisition of Wave in a cash deal worth $405 million USD.
Semantic similarity network
A semantic similarity network (SSN) is a special form of semantic network. designed to represent concepts and their semantic similarity. Its main contribution is reducing the complexity of calculating semantic distances. Bendeck (2004, 2008) introduced the concept of semantic similarity networks (SSN) as the specialization of a semantic network to measure semantic similarity from ontological representations. Implementations include genetic information handling. The concept is formally defined (Bendeck 2008) as a directed graph, with concepts represented as nodes and semantic similarity relations as edges. The relationships are grouped into relation types. The concepts and relations contain attribute values to evaluate the semantic similarity between concepts. The semantic similarity relationships of the SSN represent several of the general relationship types of the standard Semantic network, reducing the complexity of the (normally, very large) network for calculations of semantics. SSNs define relation types as templates (and taxonomy of relations) for semantic similarity attributes that are common to relations of the same type. SSN representation allows propagation algorithms to faster calculate semantic similarities, including stop conditions within a specified threshold. This reduces the computation time and power required for calculation. A more recent publications on Semantic Matching and Semantic Similarity Networks could be found in (Bendeck 2019). Specific Semantic Similarity Network application on healthcare was presented at the Healthcare information exchange Format (FHIR European Conference) 2019. The latest evolution in Artificial Intelligence (like ChatGPT, based on Large language model), relay strongly on evolutionary computation, the next level will be to include semantic unification (like in the Semantic Networks and this Semantic similarity network) to extend the current models with more powerful understanding tools.
Lethal autonomous weapon
A lethal autonomous weapon (LAW), also known as a lethal autonomous weapon system (LAWS), autonomous weapon system (AWS), robotic weapon, or killer robot, is a type of military drone or military robot, which is autonomous in that it can independently search for and engage targets based on programmed constraints and descriptions. As of 2025, most military drones (including unmanned aerial vehicles and unmanned combat aerial vehicles) and military robots are not truly autonomous. LAWs may engage in drone warfare in the air, on land, on water, underwater, or in space. == Definitions == In weapons development, the term "autonomous" is somewhat ambiguous and can vary hugely between different scholars, nations and organizations. There is no definition of lethal autonomous weapon systems that is generally agreed upon among different countries. The official United States Department of Defense Policy on Autonomy in Weapon Systems (Department of Defense Directive 3000.09) defines an Autonomous Weapon System as one that "...once activated, can select and engage targets without further intervention by a human operator." Heather Roff, a writer for Case Western Reserve University School of Law, describes autonomous weapon systems as "... capable of learning and adapting their 'functioning in response to changing circumstances in the environment in which [they are] deployed,' as well as capable of making firing decisions on their own." The British Ministry of Defence states "Whilst definitions can vary, the key difference is that an automated system is capable of carrying out complicated tasks but is incapable of complex decision-making, whereas an autonomous system is capable of deciding a course of action without depending on human oversight and control." Scholars such as Peter Asaro and Mark Gubrud believe that any weapon system that is capable of releasing a lethal force without the operation, decision, or confirmation of a human supervisor can be deemed autonomous. == Automatic defensive systems == Some definitions of autonomous weapon systems are broad enough to include land mines and naval mines, simple automatically-triggered lethal weapons that have been in use for centuries. Some current examples of LAWs are automated "hardkill" active protection systems, such as a radar-guided close-in weapon systems (CIWS) used to defend ships that have been in use since the 1970s (e.g., the US Phalanx CIWS). Such systems can autonomously identify and attack oncoming missiles, rockets, artillery fire, aircraft, and surface vessels according to criteria set by the human operator. Similar systems exist for tanks, such as the Russian Arena, the Israeli Trophy, and the German AMAP-ADS. Several types of stationary sentry guns, which can fire at humans and vehicles, are used in South Korea and Israel. Many missile defence systems, such as Iron Dome, also have autonomous targeting capabilities. The main reason for not having a "human in the loop" in these systems is the need for rapid response. They have generally been used to protect personnel and installations against incoming projectiles. == Autonomous offensive systems == According to The Economist in 2018, as technology advances, applications of uncrewed undersea vehicles could include mine clearance, mine-laying, anti-submarine sensor networking in contested waters, patrolling with active sonar, resupplying manned submarines, and becoming low-cost missile platforms. In 2017 the Russian Federation was developing artificially intelligent missiles, drones, unmanned vehicles, military robots and medic robots. In 2018, the U.S. Nuclear Posture Review alleged that Russia was developing a "new intercontinental, nuclear-armed, nuclear-powered, undersea autonomous torpedo" named "Status 6". Israeli Minister Ayoob Kara stated in 2017 that Israel is developing military robots, including ones as small as flies. In October 2018, Zeng Yi, a senior executive at the Chinese defense firm Norinco, gave a speech in which he said that "In future battlegrounds, there will be no people fighting", and that the use of lethal autonomous weapons in warfare is "inevitable". In 2019, US Defense Secretary Mark Esper lashed out at China for selling drones capable of taking life with no human oversight. As of 2020, DARPA was working on making swarms of 250 autonomous lethal drones available to the American military. The US Navy is developing unmanned surface vehicles, also called sea drones, including Ghost Fleet Overlord, with plans to equip them with weapons and with the potential to use them semi-autonomously. In 2020 a Kargu 2 drone hunted down and attacked a human target in Libya, according to a report from the UN Security Council's Panel of Experts on Libya, published in March 2021. This may have been the first time an autonomous killer robot armed with lethal weaponry attacked human beings. In May 2021 Israel conducted an AI-guided combat drone swarm attack in Gaza. In the Russo-Ukrainian war, Ukraine has developed advanced drones with integrated artificial intelligence for a range of drone warfare purposes, including to attack infrastructure in Russia, although as of May 2026, Al Jazeera reported that humans remain in control of operation. == Ethical and legal issues == === Degree of human control === Three classifications of the degree of human control of autonomous weapon systems were laid out by Bonnie Docherty in a 2012 Human Rights Watch report. human-in-the-loop: a human must instigate the action of the weapon (in other words not fully autonomous). human-on-the-loop: a human may abort an action. human-out-of-the-loop: no human action is involved. === Standard used in US policy === Department of Defense Directive 3000.09 states that "Autonomous … weapons systems shall be designed to allow commanders and operators to exercise appropriate levels of human judgment over the use of force." However, as noted in the Bulletin of the Atomic Scientists, the policy requires that autonomous weapon systems that kill people or use kinetic force, selecting and engaging targets without further human intervention, be certified as compliant with "appropriate levels" and other standards, not that such weapon systems cannot meet these standards and are therefore forbidden. "Semi-autonomous" hunter-killers that autonomously identify and attack targets do not even require certification. Deputy Defense Secretary Robert O. Work said in 2016 that the Defense Department would "not delegate lethal authority to a machine to make a decision", but might need to reconsider this since "authoritarian regimes" may do so. In October 2016 President Barack Obama stated that early in his career he was wary of a future in which a US president making use of drone warfare could "carry on perpetual wars all over the world, and a lot of them covert, without any accountability or democratic debate". In the US, security-related AI has fallen under the purview of the National Security Commission on Artificial Intelligence since 2018. On October 31, 2019, the United States Department of Defense's Defense Innovation Board published the draft of a report outlining five principles for weaponized AI and making 12 recommendations for the ethical use of artificial intelligence by the Department of Defense that would ensure a human operator would always be able to look into the 'black box' and understand the kill-chain process. A major concern is how the report will be implemented. === Possible violations of ethics and international acts === Stuart Russell, professor of computer science from University of California, Berkeley stated the concern he has with LAWs is that his view is that it is unethical and inhumane. The main issue with this system is it is hard to distinguish between combatants and non-combatants. There is concern by some economists and legal scholars about whether LAWs would violate International Humanitarian Law, especially the principle of distinction, which requires the ability to discriminate combatants from non-combatants, and the principle of proportionality, which requires that damage to civilians be proportional to the military aim. This concern is often invoked as a reason to ban "killer robots" altogether - but it is doubtful that this concern can be an argument against LAWs that do not violate International Humanitarian Law. A 2021 report by the American Congressional Research Service states that "there are no domestic or international legal prohibitions on the development of use of LAWs," although it acknowledges ongoing talks at the UN Convention on Certain Conventional Weapons (CCW). LAWs are said by some to blur the boundaries of who is responsible for a particular killing. Philosopher Robert Sparrow argues that autonomous weapons are causally but not morally responsible, similar to child soldiers. In each case, he argues there is a risk of atrocities occurring without an appropriate subject to hold responsible, which violates jus in bell
ML.NET
ML.NET is a free software machine learning library for the C# and F# programming languages. It also supports Python models when used together with NimbusML. The preview release of ML.NET included transforms for feature engineering like n-gram creation, and learners to handle binary classification, multi-class classification, and regression tasks. Additional ML tasks like anomaly detection and recommendation systems have since been added, and other approaches like deep learning will be included in future versions. == Machine learning == ML.NET brings model-based Machine Learning analytic and prediction capabilities to existing .NET developers. The framework is built upon .NET Core and .NET Standard inheriting the ability to run cross-platform on Linux, Windows and macOS. Although the ML.NET framework is new, its origins began in 2002 as a Microsoft Research project named TMSN (text mining search and navigation) for use internally within Microsoft products. It was later renamed to TLC (the learning code) around 2011. ML.NET was derived from the TLC library and has largely surpassed its parent says Dr. James McCaffrey, Microsoft Research. Developers can train a Machine Learning Model or reuse an existing Model by a 3rd party and run it on any environment offline. This means developers do not need to have a background in Data Science to use the framework. Support for the open-source Open Neural Network Exchange (ONNX) Deep Learning model format was introduced from build 0.3 in ML.NET. The release included other notable enhancements such as Factorization Machines, LightGBM, Ensembles, LightLDA transform and OVA. The ML.NET integration of TensorFlow is enabled from the 0.5 release. Support for x86 & x64 applications was added to build 0.7 including enhanced recommendation capabilities with Matrix Factorization. A full roadmap of planned features have been made available on the official GitHub repo. The first stable 1.0 release of the framework was announced at Build (developer conference) 2019. It included the addition of a Model Builder tool and AutoML (Automated Machine Learning) capabilities. Build 1.3.1 introduced a preview of Deep Neural Network training using C# bindings for Tensorflow and a Database loader which enables model training on databases. The 1.4.0 preview added ML.NET scoring on ARM processors and Deep Neural Network training with GPU's for Windows and Linux. === Performance === Microsoft's paper on machine learning with ML.NET demonstrated it is capable of training sentiment analysis models using large datasets while achieving high accuracy. Its results showed 95% accuracy on Amazon's 9GB review dataset. === Model builder === The ML.NET CLI is a Command-line interface which uses ML.NET AutoML to perform model training and pick the best algorithm for the data. The ML.NET Model Builder preview is an extension for Visual Studio that uses ML.NET CLI and ML.NET AutoML to output the best ML.NET Model using a GUI. === Model explainability === AI fairness and explainability has been an area of debate for AI Ethicists in recent years. A major issue for Machine Learning applications is the black box effect where end users and the developers of an application are unsure of how an algorithm came to a decision or whether the dataset contains bias. Build 0.8 included model explainability API's that had been used internally in Microsoft. It added the capability to understand the feature importance of models with the addition of 'Overall Feature Importance' and 'Generalized Additive Models'. When there are several variables that contribute to the overall score, it is possible to see a breakdown of each variable and which features had the most impact on the final score. The official documentation demonstrates that the scoring metrics can be output for debugging purposes. During training & debugging of a model, developers can preview and inspect live filtered data. This is possible using the Visual Studio DataView tools. === Infer.NET === Microsoft Research announced the popular Infer.NET model-based machine learning framework used for research in academic institutions since 2008 has been released open source and is now part of the ML.NET framework. The Infer.NET framework utilises probabilistic programming to describe probabilistic models which has the added advantage of interpretability. The Infer.NET namespace has since been changed to Microsoft.ML.Probabilistic consistent with ML.NET namespaces. === NimbusML Python support === Microsoft acknowledged that the Python programming language is popular with Data Scientists, so it has introduced NimbusML the experimental Python bindings for ML.NET. This enables users to train and use machine learning models in Python. It was made open source similar to Infer.NET. === Machine learning in the browser === ML.NET allows users to export trained models to the Open Neural Network Exchange (ONNX) format. This establishes an opportunity to use models in different environments that don't use ML.NET. It would be possible to run these models in the client side of a browser using ONNX.js, a JavaScript client-side framework for deep learning models created in the Onnx format. === AI School Machine Learning Course === Along with the rollout of the ML.NET preview, Microsoft rolled out free AI tutorials and courses to help developers understand techniques needed to work with the framework.
Three-factor learning
In neuroscience and machine learning, three-factor learning is the combination of Hebbian plasticity with a third modulatory factor to stabilise and enhance synaptic learning. This third factor can represent various signals such as reward, punishment, error, surprise, or novelty, often implemented through neuromodulators. == Description == Three-factor learning introduces the concept of eligibility traces, which flag synapses for potential modification pending the arrival of the third factor, and helps temporal credit assignement by bridging the gap between rapid neuronal firing and slower behavioral timescales, from which learning can be done. Biological basis for Three-factor learning rules have been supported by experimental evidence. This approach addresses the instability of classical Hebbian learning by minimizing autocorrelation and maximizing cross-correlation between inputs.
The Machine Question
The Machine Question: Critical Perspectives on AI, Robots, and Ethics is a 2012 nonfiction book by David J. Gunkel that discusses the evolution of the theory of human ethical responsibilities toward non-human things and to what extent intelligent, autonomous machines can be considered to have legitimate moral responsibilities and what legitimate claims to moral consideration they can hold. The book was awarded as the 2012 Best Single Authored Book by the Communication Ethics Division of the National Communication Association. == Content == The book is spread across three chapters, with the first two chapters focusing on an overall review of the history of philosophy and its discussion of moral agency, moral rights, human rights, and animal rights and the third chapter focusing on what defines "thingness" and why machines have been excluded from moral and ethical consideration due to a misuse of the patient/agent binary. The first chapter, titled Moral Agency, breaks down the history of said agency based on what it included and excluded in various parts of history. Gunkel also raises the conflict between discussing the morality of humans toward objects and the theory of the philosophy of technology that "technology is merely a tool: a means to an end". The main issue, he explains, in defining what constitutes an appropriate moral agent is that there will be things left outside of what is included, as the definition is based on a set of characteristics that will inherently not be all-encompassing. The subject of consciousness is broached and subsequently derided by Gunkel because of it being one of the main arguments against machine rights, while Gunkel points out that no "settled definition" of the term exists and that he considers it no better than a synonym used for "the occultish soul". In addition, the issue of the other minds problem entails that no proper understanding of consciousness can come to pass due to the inability to properly understand the mind of a being that is not oneself. The second chapter, titled Moral Patiency, focuses on the patient end of the topic and discusses the expansion of the fields of animal studies and environmental studies. Gunkel describes moral patients as the ones that are to be the object of moral consideration and deserve such consideration even if they lack their own agency, such as animals, thus allowing moral consideration itself to be broader and more inclusive. The topic of other minds is discussed again when examining the question of whether animals can suffer, a question that Gunkel ultimately abandons because it encounters the same problems that the topic of consciousness does. Especially because the subject of animal rights is often only afforded for the animals deemed to be "cute", but often not including "reptiles, insects, or microbes". Gunkel continues on to examine environmental ethics and information ethics, but finds them to be too anthropocentric, just as all the other examined models have been. The third chapter, titled Thinking Otherwise, proposes a combination of Heideggerian ontology and Levinasian ethics to properly discuss the otherness of technology and machines, but finds that the patient/agent binary is unable to be properly extended to confine the extent of "the machine question". In discussing the land ethic philosophy espoused by Aldo Leopold, Gunkel proposes that it is the entire relationship between agent and patient that should have moral consideration and not a specific definition based on either side, as each part contributes to the relationship as a whole and cannot be removed without breaking that relationship. == Critical reception == Choice: Current Reviews for Academic Libraries writer R. S. Stansbury explained that the book is able to use simple examples to discuss difficult topics and separate ideas and that it would be "useful for philosophy students, and for engineering students interested in exploring the ethical implications of their work". Dominika Dzwonkowska, writing for International Philosophical Quarterly, stated that the "unprecedented value of the book is that Gunkel not only analyzes important aspects of the immediate problem but also that he places his discussion in the context of philosophical discussions on such related issues as rights discourse." Mark Coeckelbergh in Ethics and Information Technology noted that focusing on the question itself of the machine question allows further exploration of machine ethics and the expansion of general ethics and that the book's questions point out that "good, critical philosophical reflection on machines is not only about how we should cope with machines, but also about how we (should) think and what role technology plays (and should play) in this thinking." A review in Notre Dame Philosophical Reviews by Colin Allen criticized some of Gunkel's methodology and the indecisiveness of his ultimate answer to the machine question, but also acknowledged that the book "succeeded in connecting the ethics of robots and AI to a much broader ethical discussion than has been represented in the literature on machine ethics to date". Blay Whitby, in a review for AISB Quarterly, lauded The Machine Question for its "clear exposition" and wide range of references to other works, concluding that the book is "essential reading for philosophers interested in AI, robot ethics, or animal ethics". In a twin review of The Machine Question and Robot Ethics: The Ethical and Social Implications of Robots by Patrick Lin, Keith Abney, and George A. Bekey, Techné: Research in Philosophy and Technology reviewer Jeff Shaw called Gunkel's book a good introduction to the "complex field of robot ethics" and that both books are "highly recommended to both the general reader as well as to experts in the field of robotics, philosophy, and ethics." In a 2017 paper for Ethics and Information Technology, Katharyn Hogan investigated whether the machine question presented by Gunkel in the book is any different from the longstanding animal question. She concludes that the real question that is revealed from this discussion is whether humans deserve any moral preference over artificial life in the first place.