Abstract: A vehicle allocation system oversees the operation of a plurality of auto-piloted vehicles, used to transport passengers between major ports such as airports, train stations, shopping malls, etc. The vehicle allocation system establishes a search time interval and predicts passenger demands and the status of the monitored vehicles within the search time interval. A predetermined number of vehicles are assigned to each of the ports in an area. Each port includes a parking lot or queue to accommodate waiting vehicles and a terminal which notifies a host computer of the number of currently available vehicles, passenger demands for vehicles, vehicle destination information, arrival information and so forth. The host computer has a memory storing predicted demand data based upon past demand history. The host computer calculates any excess or deficiency of vehicles in the ports on the basis of the predicted demand data and the information obtained from the terminals within the search time interval.

Abstract: Predictive modeling of consumer financial behavior is provided by application of consumer transaction data to predictive models associated with merchant segments. Merchant segments are derived from consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors representing specific merchants are clustered to form merchant segments in a vector space as a function of the degree to which merchants co-occur more or less frequently than expected. Each merchant segment is trained using consumer transaction data in selected past time periods to predict spending in subsequent time periods for a consumer based on previous spending by the consumer. Consumer profiles describe summary statistics of consumer spending in and across merchant segments. Analysis of consumers associated with a segment identifies selected consumers according to predicted spending in the segment or other criteria, and the targeting of promotional offers specific to the segment and its merchants.

Abstract: A method and system for financing expected future educational expenses. The method includes the basic steps of determining current educational expenses, reviewing past changes in educational expenses, calculating future educational expenses based on current educational expenses, past changes in educational expenses and assumptions on annual increase rates of educational expenses, establishing a target for future total investment payout based on calculated total future educational expenses and assumptions on expected investment yields, and deriving present investment amount needed to provide future educational expenses. Payment of the investment amounts are collected for investment of future payment of educational expenses. Additional insurance policies are purchased to providing cushion money to cover investment short fall and guarantee the payment for future education expenses.

Abstract: An object-focused workflow system for processing a received object in accordance with a declarative workflow specification. The specification includes modules and attributes, where module execution results in the evaluation of attributes, and may include the initiation of a side-effect action performed by an external component. Whether modules are to be executed for a particular received object is determined by associated enabling conditions. Attributes may be evaluated in accordance with computation rules and a combining policy, where the computation rules specify how values are to be contributed to an attribute, and the combining policy indicates how those contributed values are combined in order to assign a value to the attribute. Tasks in the workflow system may be executed eagerly in order to improve the performance of the workflow system.

Abstract: An electronic commerce system and method includes a broker computer system having a database of scrips, a vendor computer, and a consumer computer system having a wallet protected by a pass phrase. To strengthen the pass phrase, the wallet adds a nonce and a random phrase having a length determined by the processing speed of the computer system. The internal phrase is hashed with another nonce to form a checksum, which is stored in the wallet. A portion of each scrip is encrypted by hashing a unique nonce and the internal pass phrase. XORing the scrip with the hash, and storing the encrypted portion and nonce in the wallet. The wallet adds another nonce and random string to form an internal pass phrase. To use the scrip, the user provides the pass phrase, The wallet verifies that the phrase is correct, and if so, decrypts the scrip.

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: A server system for multi-level vending of any electronically transferable product through a communications network directly to a customer's computer. This server system (herein called a Sales Support Server) integrates the collection of a payment via the network and the automatic distribution of the product with the calculation of commissions using a multi-level marketing commission structure and the distribution of commissions and fees via the network. The preferred configuration includes a client application (herein called a Sales App) which runs as a plug-in to a network browser on the customer's computer and which provides a purchase request and registration data to a Sales Support Server and performs the installation of the product on the customer's computer. The Sales Support Server acquires the payment, transfers the product, calculates and pays the commissions, and adds the purchaser's registration information to the multi-level sales database for the product.

Abstract: A system and method to allow gold to circulate as digital cash through the global computer network (Internet) and/or private communication networks, in both hardwired and wireless systems, much like cash currently circulates in the physical world. A computer system is structured to allow the system user who is attached to the network to transfer digital data values based on gold units of account to or from a portable electronic device, such as a smartcard, and to or from other system users having compatible electronic devices. The sum total of all circulating digital data values will equal the weight of all the gold held for safekeeping at the storage site(s) for the users of the bank. The ownership of the electronic gold values is not transferred by a computer system executing debits and credits between individual accounts, but instead by individuals directly transferring the digital data values amongst themselves (as is done in cash transactions, i.e., without double-entry bookkeeping).

Abstract: A management training simulation system and method are disclosed. A method in accordance with one aspect of the invention is implemented on a computer and represents changes in design opportunities for objects in a simulated environment. The design opportunities can represent, for example, new or changed features in a product made by a particular firm. The objects are defined through an attribute-characteristic representation. A multipeaked value function is used to process designs throughout the simulation instead of a distance-value function as in conventional simulations. At some time during the simulation, the domain of one or more attributes, the number of attributes, or both are changed to thereby alter the set of valid designs for the objects in the simulation. Such changes can simulate technological advances including incremental and radical innovations, government regulation, shortages in raw materials, union strikes, and the like.

Abstract: A server system for multi-level vending of any electronically transferable product through a communications network directly to a customer's computer. This server system (herein called a Sales Support Server) integrates the collection of a payment via the network and the automatic distribution of the product with the calculation of commissions using a multi-level marketing commission structure and the distribution of commissions and fees via the network. The preferred configuration includes a client application (herein called a Sales App) which runs as a plug-in to a network browser on the customer's computer and which provides a purchase request and registration data to a Sales Support Server and performs the installation of the product on the customer's computer. The Sales Support Server acquires the payment, transfers the product, calculates and pays the commissions, and adds the purchaser's registration information to the multi-level sales database for the product.

Abstract: A computer-implemented decision management system which provides qualitative client assessment via point in time simulation. More specifically, the decision management system (a) simulates the effect of a strategy by applying the strategy to client data, and (b) tracks what type of client traveled through a respective decision point in the strategy during the simulation. Simulation parameters can be selected without technical intervention via, for example, a GUI and a relational data model. Such parameters can include which customers and which client data sample will be used for the simulation, and which inbound events will trigger the strategy. Moreover, detailed and aggregate results can be consolidated to determine expected results from the simulated strategies, and traditional and OLAP reporting facilities can be applied to analyze/view the consolidated results.

Abstract: A workflow managing system includes a workflow server for automatically extracting a next workflow entrance location from an electronic document for management of the next workflow entrance location.

Abstract: A bench testing system creates a predetermined wear and friction environment wherein wear elements, illustratively a piston ring and a cylinder liner, can be tested, along with lubricant properties, under simulated conditions of an internal combustion engine. The effects of speed and normal load can be examined under multiple lubrication regimes, and variations in the coefficient of friction can be observed as a function of crank angle degree. Profilocorder techniques are used to examine photomicroscopic surface characteristics. The cylinder wall wear element is supported in a first support arrangement that is driven reciprocatingly along a substantially axial path. A dynamic counter-reciprocating arrangement is coupled thereto for controlling second harmonic inertial forces. A second support arrangement that supports the piston ring wear element is coupled to a linear drive that urges same in a direction transverse to the substantially axial path of reciprocation of the cylinder wall wear element.

Abstract: A system and method for designing a low power ASIC using weighted net toggle information. In particular, the system and method includes a simulation system that executes a set of application test suites that is representative of the code that will likely run on the ASIC and weights each of the applications. The weighted net toggle information can then be evaluated and utilized to modify the ASIC design.

Abstract: An electronic statement presentment (ESP) system replaces the preparation and mailing of paper statements and invoices from a biller with electronic delivery. Electronic statements have the same look as paper statements as well as including video, audio, graphics, and custom enclosures. Statements are segmented into mandatory and optional components to minimize download time. The ESP system operates independently or is an enhancement to any suitable electronic bill payment system. A central switch computer coordinates template storage, validation, routing and message passing between billers, workstations and consumer financial institutions (CFI). A template authoring workstation (TAWS) creates a template of static biller information to serve as a basis for the electronic statement. The template is stored in a template library at the switch. The switch validates the template by sending it to a template validation workstation (TVAL).

Abstract: A system and method that utilizes information relating to vehicle damage information including damaged vehicle area information, crush depth of the damaged areas information, and vehicle component-by-component damage information to estimate the relative velocities of vehicles involved in a collision. The change in velocity is estimated using a plurality of methods, and a determination is made as to which method provided a result that is likely to be more accurate, based on the damage information, and the types of vehicles involved. The results from each method may also be weighted and combined to provide a multi-method estimate of the closing velocity. The methods include using crash test data from one or more sources, estimating closing velocity based on the principals of conservation of momentum, and estimating closing velocity based on deformation energy resulting from the collision.

Abstract: A method of simulating a bio-transport system comprising: (a) characterizing one or more elements to represent a bio-transport system of an organism or a portion thereof; (b) constructing one or more mathematical representations that model one or more bio-transport dynamics for each element based on the characterization of the elements to form a configured simulation model; (c) initializing the configured simulation model; (d) executing the configured simulation model to obtain bio-transport dynamics data for one or more elements; and (e) outputting information to a user based on at least a portion of the bio-transport dynamics data.

Abstract: In the analysis of one-dimensional sequences of molecules, the longest common subsequence, the number of elements constituting the subsequence, and appearance positions of the subsequence are determined by a novel and simple method, and processes, such as homology decision, homology search, motif search and alignment are performed based on the results. In the analysis of these-dimensional structures of molecules, limiting conditions, such as geometrical arrangements of elements, are introduced to realize the determination of correspondence of three-dimensional structures at high speeds, and whereby it is made possible to achieve such processing as superposed display of three-dimensional structure of molecules, retrieval of three-dimensional structure, and evaluation of functions. Moreover, the molecules are divided into secondary structure that are then related to each other based on spatial similarity among the secondary structures.

Abstract: One or more groups, into which a circuit simulator may partition an overall circuit, that are determined to belong to a feedback loop, also known as cycles, may be merged into a single group. The length of the loop, which is the number of groups in the loop, determines whether or not the groups of a loop will be merged into a single group. More particularly, loops of a length less than or equal to a number are merged. The number may be specified by the user, or otherwise determined. Once a merged group is formed, its inputs and outputs are determined, and it is treated like any other previously existing group. Preferably, not all the groups are merged into a single group.