Abstract: An approach is described for developing software that executes rules, such as business rules. A group of rule templates defines a rule structure for rules that may be executed by a rules engine. Separate ruleflow templates define tasks that entail the execution of rules. Each of the ruleflow templates associates a task with the group of rule templates. Because the ruleflow templates define the association between the tasks and the group of rule templates, during execution of the tasks a rules engine executes rules defined by the group of templates. User interfaces are automatically generated based on the group of rule templates. A user may interact with the user interfaces to edit the rules defined by the group of templates. After editing the rules, executing the tasks associated with the group of templates will cause execution of the modified rules.

Abstract: This document provides systems, devices, and methods involved in generating detectable polymers. For example, diagnostic systems, diagnostic devices, primer systems, and collections of primer systems are provided.

Abstract: This document provides systems, devices, and methods involved in generating detectable polymers. For example, diagnostic systems, diagnostic devices, primer systems, and collections of primer systems are provided.

Abstract: A predictive model, for example, a neural network, evaluates individual debt holder accounts and predicts the amount that will be collected on each account based on learned relationships among known variables. The predictive model is generated using historical data of delinquent debt accounts, the collection methods used to collect the debts in the accounts, and the success of the collection methods. In one embodiment, the predictive model is generated using profiles of delinquent debt accounts summarizing patterns of events in the accounts, and the success of the collection effort in each account. In another embodiment, the predictive model includes a mathematical representation of the collector's notes created during the collection period for each account.

Abstract: Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments. The merchant segments are derived from the consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur more or less frequently than expected. Supervised segmentation is applied to merchant vectors to form the merchant segments. Merchant segment predictive models provide predictions of spending in each merchant segment for any particular consumer, based on previous spending by the consumer. Consumer profiles describe summary statistics of each consumer's spending in the merchant segments, and across merchant segments.

Abstract: This document provides systems, devices, and methods involved in generating detectable polymers. For example, diagnostic systems, diagnostic devices, primer systems, and collections of primer systems are provided.

Abstract: Fraud detection is facilitated by developing account cluster membership rules and converting them to database queries via an examination of clusters of linked accounts abstracted from the customer database. The cluster membership rules are based upon certain observed data patterns associated with potentially fraudulent activity. In one embodiment, account clusters are grouped around behavior patterns exhibited by imposters. The system then identifies those clusters exhibiting a high probability of fraud and builds cluster membership rules for identifying subsequent accounts that match those rules. The rules are designed to define the parameters of the identified clusters. When the rules are deployed in a transaction blocking system, when a rule pertaining to an identified fraudulent cluster is triggered, the transaction blocking system blocks the transaction with respect to new users who enter the website.

Abstract: This document provides systems, devices, and methods involved in generating detectable polymers. For example, diagnostic systems, diagnostic devices, primer systems, and collections of primer systems are provided.

Abstract: This document provides systems, devices, and methods involved in generating detectable polymers. For example, diagnostic systems, diagnostic devices, primer systems, and collections of primer systems are provided.

Abstract: A business rules engine works with an optimization engine through various user interfaces to facilitate increased efficiency in retail space planning. Rules and models are built from templates that are stored in a repository. Business analysts and retail space planners both have access to the repository to develop models and rules. A project consists of a selection of rules and models from the repository along with selected data from various data sources. A scenario is created for the project by specifying constraints, parameters, and optimization objectives. The optimization engine processes the scenario and attempts to find an optimum solution. when a perfect solution (100%) cannot be found, the optimization engine evaluates the various criteria in the scenario and relaxes requirements until an acceptable solution is found. The output of the optimization engine can automatically be provided as graphical visualizations such as plan-o-grams, graphs, charts, and other forms.

Abstract: A system, computer program product, and method provide for reason driven data analysis in a web-based system that is configurable to various types of data and environments. The computer program product provides for navigation of a report tree of reports that are hierarchically organized with respect to reasons derived from an analysis of transactional data in a database. A frame based interface provides for easy and flexible navigation and configuration of the reports and other features. A configuration file is used to rapidly develop and customize the web-based system. Case management functionality is included to allow for management of cases being reviewed using the system.

Abstract: A system and a method for managing a database. The system includes a database manager for storing and retrieving data records from a database. In one embodiment, the database includes a database data structure that is divided into a plurality of sections. Each of the sections holds is configured to hold zero or more data records. During a store operation of a data record, a key that is associated with the data record is used to identify one of the sections. The system determines whether the identified section has sufficient space to contain the identified data record. If the section has insufficient space, the system deletes data records according to a ranking function. In one embodiment of the invention, the ranking function is a least recently used algorithm. The system of the present invention does not have any inter-dependency between the data records that are stored within the database.

Abstract: The invention provides an account manager and database system that allows end users to bypass the need to integrate such systems in to their legacy information management systems. The account management and database systems are developed and maintained at a host service-bureau data center. The client accesses the account management and database systems through a communication link, usually a secure website. Decisions recommended by the account management system are then sent back to the client systems to take action. The client controls the account management system by utilizing the PCTable Maintenance System installed in the PC at the client site. Client also accesses the database at the data center for reporting and analysis. The invention reduces the implementation schedule for such account management and database systems and thus provides such systems to end users more quickly.

Abstract: Computer implemented processes and software products generate profiles of entities, such as providers, clients, merchants and customers, and entities comprising interacting pairs of entities. The processes including deriving direct profiles from transaction data pertaining to an entity and enhancing the profile of one entity using the profile of another entity. Parallel and serial applications of the derive and enhance processes on various individual and multiple entites yields enhanced profiles that powerfully describe the interactions and relationship of the entities to each other, and between their members.

Abstract: Computer implemented methods and systems of processing transactions to determine the risk of transaction convert high categorical information, such as text data, to low categorical information, such as category or cluster IDs. The text data may be merchant names or other textual content of the transactions, or data related to a consumer, or any other type of entity which engages in the transaction. Content mining techniques are used to provide the conversion from high to low categorical information. In operation, the resulting low categorical information is input, along with other data, into a statistical model. The statistical model provides an output of the level of risk in the transaction. Methods of converting the high categorical information to low categorical clusters, of using such information, and other aspects of the use of such clusters are disclosed.

Abstract: A computerized method and system for evaluating customers of a financial institution using customer relationship value tags and associated customer treatment actions includes automatically analyzing information about a customer from a database of the financial institution by a customer assessment engine using a predefined statistical model to assess the value of the customer to the financial institution. At least one customer treatment action associated with the assessed value is identified by the assessment engine, and the assessment engine marks a file associated with the customer with a mark representing the assessed value and the associated customer treatment action. The marked file is then accessed by other financial systems of the financial institution, or by customer representatives of the financial institution, and the associated customer treatment action is implemented by such systems or representatives in dealing with the customer.

Abstract: A computerized system for augmenting data from a source database with data from a reference database to generate an augmented database that can be used for predictive modeling is disclosed. The present invention includes a method for using the Internet to obtain information, including, reading a data record stored in a field of data, searching a database for information describing the data record, condensing the information describing the data record into a value description, associating the value description with the data record, and augmenting the field of data with the value description associated with the data. The present invention also includes a computerized system for augmenting data from a source database with data from a reference database to generate an augmented database that can be used for predictive modeling and data mining to conduct searches of data in the augmented database.

Abstract: A method for dynamically updating a model is described. The method includes accessing a model that specifies expected characteristics for a transaction. The model includes variables associated with fraud. The method also includes receiving at least one value for each of the variables while monitoring transactions, and updating a distribution of values for each variable based on the received value. The received value is compared with the updated distribution to determine a deviation from a threshold value associated with a percentile of the updated distribution that is indicative of fraud.

Abstract: A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one product offer; determining a difference in expected profitability associated with the assigned product offer and a different product offer for each consumer; sorting the consumers according to the respective difference in expected profitabilities associated with the product offers; and reassigning the product offers to the sorted consumers in accordance with the respective difference in expected profitabilites. The result of this process is a selection of marketing offers that optimizes expected revenues.

Abstract: A development methodology for a full-service, multi-channel marketing solution that helps retailers, financial services and telecommunications companies determine where, when and how to interact with their prospects and customers to build stronger relationships. The preferred embodiment of the invention results in an outsourced marketing solution that is tailored to the client's goals and resources, and that delivers everything the client needs to streamline the marketing process, including data warehousing, reports and queries, campaign management and execution, marketing strategy consulting, Internet information delivery services, promotion data processing, data enhancement, strategy design and execution, decisioning tools, optimization tools, and predictive and descriptive modeling.