Payment tokenization is a data security process that replaces sensitive payment information, such as credit card numbers, with a unique identifier or "token." This token can be used in place of actual data during transactions but has no exploitable value if breached, thereby reducing the risk of data theft and fraud. == Overview == Payment tokenization is generally categorized into two types: security tokens and payment tokens. Security tokens, also known as post-authorization tokens, are used to replace sensitive information like Primary Account Numbers (PANs), such as credit card numbers either after a payment is authorized or for storing data securely (data-at-rest), such as in merchant databases. These models have been in use since the mid-2000s, following the introduction of the Payment Card Industry Data Security Standard in 2004, which established standards for safeguarding cardholder data. The Payment Card Industry Security Standards Council's 2011 Tokenization Guidelines and the proposed American National Standards Institute X9 standards emphasize using tokens primarily to secure sensitive information, not as replacements for payment credentials processed over financial networks. Traditionally, merchants stored PANs to support backend operations such as settlements, reconciliations, chargebacks, loyalty programs, and customer service. However, with the adoption of security tokenization, merchants can substitute PANs with tokens in their systems. This not only reduces their exposure to fraud but also helps minimize the scope and cost of PCI-DSS compliance, offering a more secure and efficient way to manage cardholder data. == Applications == Payment tokenization is widely used by mobile wallets such as Apple Pay, Google Pay, and Samsung Pay use tokenization to safely store card data on devices. E-commerce platforms rely on it to securely retain customer payment details for recurring purchases. At the physical point of sale, EMV-enabled systems use tokenization to protect card information during in-store transactions. Also, subscription billing services implement tokenization to manage and safeguard payment credentials for ongoing charges.
Unspent transaction output
In cryptocurrencies, an unspent transaction output (UTXO, often capitalized as UTxO) is a distinctive element in a subset of digital currency models. A UTXO represents a certain amount of cryptocurrency that has been authorized by a sender and is available to be spent by a recipient. The utilization of UTXOs in transaction processes is a key feature of many cryptocurrencies, but it primarily characterizes those implementing the UTXO model. UTXOs employ public key cryptography to ascertain and transfer ownership. More specifically, the recipient's public key is formatted into the UTXO, thereby limiting the capability to spend the UTXO to the account that can demonstrate ownership of the corresponding private key. A valid digital signature associated with the public key must be included for the UTXO to be spent. In the UTXO model, each unit of currency is treated as a discrete object. The history of a UTXO is documented only within the blocks where it is transferred. To ascertain the total balance of an account, one must scan each block to find the latest UTXOs linked to that account. While all nodes within a blockchain network must consent to the block history, the blocks relevant to an account's balance are unique to that account. UTXOs constitute a chain of ownership depicted as a series of digital signatures dating back to the coin's inception, regardless of whether the coin was minted via mining, staking, or another procedure determined by the cryptocurrency protocol. The UTXO model was invented for Bitcoin. Cardano uses an extended version of the UTXO model known as EUTXO. == Origins == The conceptual framework of the UTXO model can be traced back to Hal Finney's Reusable Proofs of Work proposal, which itself was based on Adam Back's 1997 Hashcash proposal. Bitcoin, released in 2009, was the first widespread implementation of the UTXO model in practice. == UTXO model vs. account Model == Cryptocurrencies that utilize the UTXO model function differently compared to those using the account model. In the UTXO model, individual units of cryptocurrency, termed as unspent transaction outputs (UTXOs), are transferred between users, analogous to the exchange of physical cash. This model impacts how transactions and ownership are recorded and verified within the blockchain network. The account model preserves a record of each account and its corresponding balance for every block added to the network. This setup enables quicker balance verification without the need to scan historical blocks, but it increases the raw size of each block (though data compression techniques can be utilized to alleviate this). However, both models necessitate the inspection of past blocks to fully authenticate the origin of coins. In the UTXO model, each object is immutable - units of coins cannot be 'edited' in the same way an account balance is modified when a transaction occurs. Rather, the balance is computed from the transaction history dating back to when the coins were first minted. This simplicity enhances security, as a UTXO either exists in its anticipated form or it does not. In contrast, the account model requires meticulous verification of the account's status during transactions, which can lead to oversights if not conducted correctly. In valid blockchain transactions, only unspent outputs (UTXOs) are permissible for funding subsequent transactions. This requirement is critical to prevent double-spending and fraud. Accordingly, inputs in a transaction are removed from the UTXO set, while outputs create new UTXOs that are added to the set. The holders of private keys, such as those with cryptocurrency wallets, can utilize these UTXOs for future transactions.
Corpus of Linguistic Acceptability
Corpus of Linguistic Acceptability (CoLA) is a dataset the primary purpose of which is to serve as a benchmark for evaluating the ability of artificial neural networks, including large language models, to judge the grammatical correctness of sentences. It consists of 10,657 English sentences from published linguistics literature that were manually labeled either as grammatical or ungrammatical. == Public version == The publicly available version of CoLA contains 9,594 sentences that belong to training and development sets. It excludes 1,063 sentences reserved for a held-out test set.
Cross-language information retrieval
Cross-language information retrieval (CLIR) is a subfield of information retrieval dealing with retrieving information written in a language different from the language of the user's query. The term "cross-language information retrieval" has many synonyms, of which the following are perhaps the most frequent: cross-lingual information retrieval, translingual information retrieval, multilingual information retrieval. The term "multilingual information retrieval" refers more generally both to technology for retrieval of multilingual collections and to technology which has been moved to handle material in one language to another. The term Multilingual Information Retrieval (MLIR) involves the study of systems that accept queries for information in various languages and return objects (text, and other media) of various languages, translated into the user's language. Cross-language information retrieval refers more specifically to the use case where users formulate their information need in one language and the system retrieves relevant documents in another. To do so, most CLIR systems use various translation techniques. CLIR techniques can be classified into different categories based on different translation resources: Dictionary-based CLIR techniques Parallel corpora based CLIR techniques Comparable corpora based CLIR techniques Machine translator based CLIR techniques CLIR systems have improved so much that the most accurate multi-lingual and cross-lingual adhoc information retrieval systems today are nearly as effective as monolingual systems. Other related information access tasks, such as media monitoring, information filtering and routing, sentiment analysis, and information extraction require more sophisticated models and typically more processing and analysis of the information items of interest. Much of that processing needs to be aware of the specifics of the target languages it is deployed in. Mostly, the various mechanisms of variation in human language pose coverage challenges for information retrieval systems: texts in a collection may treat a topic of interest but use terms or expressions which do not match the expression of information need given by the user. This can be true even in a mono-lingual case, but this is especially true in cross-lingual information retrieval, where users may know the target language only to some extent. The benefits of CLIR technology for users with poor to moderate competence in the target language has been found to be greater than for those who are fluent. Specific technologies in place for CLIR services include morphological analysis to handle inflection, decompounding or compound splitting to handle compound terms, and translations mechanisms to translate a query from one language to another. The first workshop on CLIR was held in Zürich during the SIGIR-96 conference. Workshops have been held yearly since 2000 at the meetings of the Cross Language Evaluation Forum (CLEF). Researchers also convene at the annual Text Retrieval Conference (TREC) to discuss their findings regarding different systems and methods of information retrieval, and the conference has served as a point of reference for the CLIR subfield. Early CLIR experiments were conducted at TREC-6, held at the National Institute of Standards and Technology (NIST) on November 19–21, 1997. Google Search had a cross-language search feature that was removed in 2013.
Doubao
Doubao (Chinese: 豆包) is an artificial intelligence assistant developed by ByteDance. == History == The chatbot was launched in August 2023. By November 2024, it had become China's most popular AI chatbot, with approximately 60 million monthly active users according to industry analytics. == Design == Doubao is powered by Volcano Engine (Volcengine), 120 trillion tokens consumed per day. == Variants == === Dola === The international version of Doubao is Dola which was launched in August 2023 as Cici. Dola is powered by OpenAI's GPT series of large language models and by Google's Gemini.
H (company)
H Company, also known simply as H, is a French artificial intelligence startup which develops "action-oriented" artificial intelligence agents for enterprise automation and productivity. In May 2024, H Company closed a record-setting $220 million seed round, at the time the largest AI raise in Europe. In 2026, H Company released Holo 3, the latest generation of its computer-use AI models. The update marked a major advance in agentic AI, enabling agents to navigate any user interface, interpret screens, and complete complex, multi-step tasks across enterprise systems—much like a human user. This breakthrough positioned H Company at the frontier of computer-use autonomy, accelerating the integration of AI in enterprise workflows. == History == H Company was founded in 2023 in Paris by Laurent Sifre, Charles Kantor, and three DeepMind veterans: Daan Wiestra, Karl Tuyls, Julien Perollat. In May 2024, the firm secured what was then the largest European AI seed round, totaling $220 million led by US investors including Eric Schmidt (former Google CEO), Amazon, and backed by Accel, Bpifrance, UiPath, Eurazeo, Xavier Niel, Yuri Milner, Bernard Arnault, Samsung and others. In August 2024, three cofounders (Wiestra, Tuyls, Perollat) left the company over operational disagreements. In November 2024, H launched Runner H, its first agentic-API platform, which combined a large language model (LLM) and a reduced, 2-billion parameter vision-language model (VLM). In May 2025, H Company acquired Mithril Security, and in June 2025 the company widened its offering for agentic models. In June 2025, Gautier Cloix (formerly CEO Palantir France) replaced Charles Kantor as CEO of H Company, aiming to pivot the company towards a "forward deployed engineers" model. In July 2025, H Company introduced Surfer-H-CLI, an open-source, web-native Chrome agent designed for browser-based automation—able to search, scroll, click, and type on behalf of users and controllable via any visual language model (VLM). When paired with its June 2025 open-sourced 3B-parameter Holo-1 model, Surfer-H-CLI achieved 92.2% WebVoyager benchmark accuracy. == Activity == H Company creates enterprise AI models and agents (agentic AI) to automate and optimize complex workflows. H Company specifically designs AI agents called computer use capable of autonomously interfacing with any software (local or cloud-based) to detect and automate repetitive operations. H Company is based in Paris, France, with international offices in London and New York. H Company raised $220 million since its inception. Gautier Cloix is president and CEO of the company. H Company client include the French national lottery FDJ United. In March 2026, H Company released Holo3, a family of artificial intelligence models designed to operate digital systems by interacting directly with user interfaces. Holo3 enables agents ("virtual humanoids") to understand what is displayed in front-end environments—such as web pages, desktop applications, and other graphical user interfaces—and perform actions such as clicking, typing, and navigating across them to complete multi-step tasks. On the OSWorld-Verified benchmark, Holo3 reportedly achieved about 78.9%, surpassing the scores of OpenAI’s GPT‑5.4 and Anthropic’s Claude Opus 4.6 on this specific test, at roughly one-tenth of the inference cost of these proprietary systems. The release has been presented as a significant step toward automating routine digital workflows, allowing organizations to offload repetitive on-screen work, such as data entry and reconciliation across multiple tools, to AI-based agents.
Cognition Network Technology
Cognition Network Technology (CNT), also known as Definiens Cognition Network Technology, is an object-based image analysis method developed by Nobel laureate Gerd Binnig together with a team of researchers at Definiens AG in Munich, Germany. It serves for extracting information from images using a hierarchy of image objects (groups of pixels), as opposed to traditional pixel processing methods. To emulate the human mind's cognitive powers, Definiens used patented image segmentation and classification processes, and developed a method to render knowledge in a semantic network. CNT examines pixels not in isolation, but in context. It builds up a picture iteratively, recognizing groups of pixels as objects. It uses the color, shape, texture and size of objects as well as their context and relationships to draw conclusions and inferences, similar to human analysis. == History == In 1994 Professor Gerd Binnig founded Definiens. CNT was first available with the launch of the eCognition software in May 2000. In June 2010, Trimble Navigation Ltd (NASDAQ: TRMB) acquired Definiens business asset in earth sciences markets, including eCognition software, and also licensed Definiens' patented CNT. In 2014, Definiens was acquired by MedImmune, the global biologics research and development arm of AstraZeneca, for an initial consideration of $150 million. == Software == Definiens Tissue Studio Definiens Tissue Studio is a digital pathology image analysis software application based on CNT. The intended use of Definiens Tissue Studio is for biomarker translational research in formalin-fixed, paraffin-embedded tissue samples which have been treated with immunohistochemical staining assays, or hematoxylin and eosin (H&E). The central concept behind Definiens Tissue Studio is a user interface that facilitates machine learning from example digital histopathology images to derive an image analysis solution suitable for the measurement of biomarkers and/or histological features within pre-defined regions of interest on a cell-by-cell basis, and within sub-cellular compartments. The derived image analysis solution is then automatically applied to subsequent digital images to objectively measure defined sets of multiparametric image features. These data sets are used for further understanding the underlying biological processes that drive cancer and other diseases. Image processing and data analysis are performed either on a local desktop computer workstation, or on a server grid. eCognition The eCognition suite offers three components that can be used stand-alone or in combination to solve image analysis tasks. eCognition Developer is a development environment for object-based image analysis. It is used in earth sciences to develop rule sets (or applications) for the analysis of remote sensing data. eCognition Architect enables non-technical users to configure, calibrate and execute image analysis workflows created in eCognition Developer. eCognition Server software provides a processing environment for batch execution of image analysis jobs. eCognition software is utilized in numerous remote sensing and geospatial application scenarios and environments, using a variety of data types: Generic: Rapid Mapping, Change Detection, Object Recognition By environment: Diverse Landcover Mapping, Urban Analysis (i.e. impervious surface area analysis for taxation, property assessment for insurance, inventory of green infrastructure), Forestry (i.e. biomass measurement, species identification, firescar measurement), Agriculture (i.e. regional planning, precision farming, crisis response), Marine and Riparian (i.e. ecosystem evaluation, disaster management, harbor monitoring). Other: Defense, security, atmosphere and climate The online eCognition community was launched in July 2009 and had 2813 members as of July 9, 2010. Membership is distributed globally and user conferences are held regularly, the last having taken place in November 2009 in Munich, Germany. The bi-annual GEOBIA (Geographic Object-Based Image Analysis) conference is heavily attended by eCognition users, with the majority of presentations based on eCognition software.