Abstract: A programmable voltage divider has normal and test modes of operation. The divider includes first and second supply nodes, a divider node that provides a data value, and a first divider element that is coupled between the first supply node and the divider node. The divider also includes a controlled node, a second divider element that has a selectable resistivity and that is coupled between the divider node and the controlled node, and a test circuit that is coupled between the controlled node and the second supply node. During the normal mode of operation, the first and second divider elements generate the data value having a first logic level when the second divider element has a first resistivity, and generate the data value having a second logic level when the second divider element has a second resistivity. The test circuit generates a first voltage at the controlled node during the normal mode of operation, and generates a second voltage at the controlled node during the test mode of operation.

Abstract: An automatic toll collection system for automotive vehicles moving along a roadway is provided which includes a toll collecting facility and an inspecting facility. The toll collecting facility is installed in a toll booth on the roadway to collect the tolls from an in-vehicle unit through radio communication. The inspecting facility is provided outside the roadway and troubleshoots the in-vehicle unit when an abnormal condition in which it is impossible to collect the tolls from the in-vehicle unit correctly is encountered.

Abstract: When a user enters a language to be used via a port terminal, a system controller transfers information as to the language to be used to a navigation unit via an antenna and a communication unit which are mounted on a selected electric vehicle, and the navigation system displays information in the language to be used.

Abstract: An IC card incorporates a processor, a memory, etc. The memory stores therein a general electronic money balance having an unlimited use range, a specific electronic money balance having a limited use range, and available genre information defining a use range of the specific electronic money balance. A transfer processing unit serves to transfer a specified amount of money from the general electronic money balance to the specific electronic money balance between two IC cards. A settlement processing unit compares genre information acquired from a purchased commodity or a provided service with the available genre information of the IC card and, only when a coincidence has occurred, deducts the purchased amount of money from the specific electronic money balance of the IC card.

Abstract: The invention relates to a method and a computer for coordinating an electronic credit application between an Internet user and a plurality of lending institutions via the Internet. This method involves displaying documents in a web site, and receiving credit data forming placed on the web site. After receiving this data a special loan processing computer applies a filter to the data. The filter comprises loan selection criteria provided by lending institutions which allows these institutions to filter out loan applications that they do not want. Next, after the data is filtered, it is transmitted to a plurality of lending institutions. Finally, the computer and the method then controls and coordinates communication between these lending institutions and the Internet user to match borrowers and lenders via the Internet.

Abstract: A system and method for forecasting future retail performance are described herein. The system includes a storage device that stores a sales history database, a weather history database, and a weather forecast database. An analyzer determines the extent to which past retail performance of a plurality of products at a plurality of locations was affected by weather using the sales history database and the weather history database. A configurator, coupled to the analyzer, estimates expected future retail performance of the products at the stores for a plurality of future time periods using the weather forecast database and results produced by the analyzer. A graphical user interface, coupled to the analyzer and the configurator, enables users to view and manipulate results produced by the analyzer and the configurator to thereby forecast future retail performance of the products at the locations.

Abstract: A plurality of resources, typically service operatives, are allocated to a plurality of tasks by a method in which initial information relating to the tasks to be allocated and the resources available to perform the tasks is provided. An initial series of schedules is first generated allocating resources to the tasks, and then modifying the individual schedule of at least one resource in response to updated information. Changes to individual schedules may be made in response to such updated information independently of the schedule generation. The initial, series of schedules may be generated in a two-stage process in which a rule-based system allocates tasks selected as being difficult to allocate (e.g., because they are linked to other tasks). then a stochastic (non-systematic) search system compiles the rest of the schedule.

Abstract: A method for predicting a future value or direction of a first numerical time series comprising the steps of: forming an non-numerical time series; optimizing the non-numerical time series; converting at least a portion of the optimized non-numerical time series into a second numerical time series; and using the second numerical time series to predict the future value of the first numerical time series.

Abstract: In accordance with the present invention, a controller such as a cable television company receives a survey including survey questions from a client desiring to have a survey conducted. The controller creates respondent questions based on the survey questions. The controller also selects one or more respondents from a group of respondents requesting to participate in a survey. The respondent questions are transmitted to the selected respondents via a television transmission network, e.g., a cable television transmission network. Responses corresponding to the respondent questions are received. The controller applies an inconsistency test to the responses to generate an inconsistency test result. The inconsistency test determines if the responses originate from computers or humans not paying attention to the questions. Based on the inconsistency test result, a fraud signal may be generated.

Abstract: The present invention discloses method, apparatus, and article of manufacture for a computer-implemented financial management system that permits the trading of securities via a network. A server computer receives buy and sell orders for derivative financial instruments from a plurality of client computers. The server computer matches the buy orders to the sell orders and then generates a market price through the use of a virtual specialist program executed by the server computer. The virtual specialist program responds to an imbalance in the matching of the buy and sell orders.

Abstract: A financial transaction processing system is disclosed, wherein substantial processing efficiencies are provided with, additionally, a substantial decrease in the size of the executable code. Each transaction processed by the transaction processing system is described by a transaction data descriptor that includes a series of subtransaction data descriptions of actions that can be performed independently of one another. Thus, complex transaction processing logic is substantially removed from the executable code, and instead such transaction data descriptors are processed interpretatively. Moreover, the independence of the subtransactions allows the subtransactions of a transaction to be processed in parallel when performed on a multiprocessor computer.

Abstract: A method and system for providing free subscriptions to magazines, based on a universal questionnaire. Questions of the universal questionnaire are presented to consumers, and, based on the consumer response to these questions, a supplier order for a free subscription to a magazine is generated and sent to a supplier of the magazine.

Abstract: An interactive remote auction bidding system for conducting an auction among participants located at remote locations from the auction site utilizes a data input device for communication over a network to the auction site. The system includes a data processor located at the auction site for generating bid information for communication over the network to the remote locations. A processor located at the auction side monitors the participants' data input devices for sensing participant bids generated by the participants' data input devices. The system further displays visual bid information at the auction site for transmission over the network to the participants and generates audible bid information in support of that visual bid information.

Abstract: An enterprise value enhancement system, method, and apparatus that uses an enterprise value enhancement model based on planning loop structures. The system receives field feedback input from users in response to surveys generated by a field feedback survey generator. A switchboard in the system sends this feedback, as well as data from one or more databases, to parts of the system including a performance processor, a customer asset valuation processor, a performance metrics engine, and a value enhancement solution generator, which generates value enhancement solutions and delivers recomended solutions for value enhancement of the enterprise, with linkages to specific functions.

Abstract: The invention relates to a method and a computer for coordinating an electronic credit qualification form between an Internet user and a plurality of lending institutions via the Internet. This method involves displaying documents in a web site, and receiving credit data forming placed on the web site. After receiving this data a special loan processing computer applies a filter to the data. The filter comprises loan selection criteria provided by lending institutions which allows these institutions to filter out loan applications that they do not want. Next, after the data is filtered, it is transmitted to a plurality of lending institutions. Finally, the computer and the method then controls and coordinates communication between these lending institutions and the Internet user to match borrowers and lenders via the Internet.

Abstract: An airline travel planning system is described. The system includes a server computer executing a server process including a search process to search for set of pricing solutions in accordance with at least one destination and at least one origin. The search process represents the set of pricing solutions in the form of a directed acyclic graph. The system also includes a client computer executing a client process on the set of pricing solutions. The client process has a manipulation process that manipulates the set of pricing solutions in response to user preferences.

Abstract: An interactive computer assisted method reviews, and analyzes, a patient one or more medications using a computer and a user associated therewith. The method includes the steps of pre-selecting patients to obtain a preliminary set of patients eligible for the interactive computer assisted method responsive to first predetermined criteria, and filtering the preliminary set of patients to identify and form a secondary set of patients from the preliminary set of patients having a greater likelihood of benefiting from the interactive computer assisted method responsive to second predetermined criteria. The method also includes the steps of enrolling a patient from the secondary set of patients, and communicating with the patient to obtain information to assist the user in determining whether therapy and/or medication issues are relevant.

Abstract: A method of providing information regarding lockbox receipts to a customer having a lockbox account, the method comprising the steps of: having alert criteria containing alert conditions selected by the customer; creating a database file for each of the receipts of the lockbox account which are received after the customer has selected the alert criteria, each of the files comprising a plurality of fields containing data relating to a respective one of the receipts, the alert criteria defining certain of the fields as containing data to be compared against the alert conditions; comparing the alert conditions with the data of the fields of the database files defined by the alert criteria; and alerting the customer that one or more of said files contain data that have met the alert criteria.

Abstract: An automated resource allocation and management system moves money between an invested fund and an uninvested fund, where the invested fund is typically invested in the stock market and the uninvested fund is typically held in an interest bearing account. In a preferred version, the system is implement by a plurality of software routines running on known data processing hardware. A deposit of money routine provides subroutines which primarily distinguish between whether the deposited money is regular in timing and amount, near in time to an expected transfer from the invested fund to the uninvested fund, near in time to an expected transfer from the uninvested fund to the invested fund, and which otherwise splits the deposit between the invested and uninvested accounts. A buy trigger routine compares the market's performance to a trigger value, and determines whether a transfer from the uninvested account to the invested account is warranted.

Abstract: To transfer a quantity measured in a first unit used by a first entity to a second entity using a second unit, these units being associated with a respective parameter varying as a function of time, the system according to the invention comprises: a means for determining a first operation taking into account variations in the parameter associated with the first unit, in order to convert the latter into a reference unit associated with a constant parameter; a means for applying the first operation to the quantity to be transferred, and for sending the converted quantity to the second system; a means for determining a second operation for converting the reference unit into the second unit, taking into account the variations of the parameter associated with said second unit; and a means for applying the second operation to the quantity in reference units and for transferring the quantity converted in the second system.