Abstract: A system and method for communicating an offer to apply for a credit instrument is provided. A processing allows for processing credit history data. A calculating step allows for calculating a first plurality of interest rates based on the credit history data. A determining step allows for determining a second plurality of interest rates based on the first plurality of interest rates, wherein the second plurality of interest rates corresponds to a plurality of credit risk scores. Finally, a communicating step allows for communicating the offer to apply for a credit instrument in an initial communication with an offeree, the offer disclosing the second plurality of interest rates. An apparatus that calculates the interest rates used in the offer is also provided.

Abstract: A method and apparatus are presented for implementing maintenance signaling in an optical data network, said method comprising the use of a finite set of optical symbols to distinguish between different classes of failures. The method is format and bit rate transparent, and a network element does not need to read bits to interpret a signaling message. Faults protected within the network are distinguished from faults originating outside the network, and power glitches are filtered out of incoming alarm signals originating outside the network.

Abstract: Method and apparatus are presented which define generic cross-connect primitives that enable the implementation of 1+1 protection in a mesh configured optical network. Such primitives are capable of supporting both 1+1 network protection as well as 1+1 client/access protection, or both. Further, the invention supports multicast applications at no additional architectural cost.

Abstract: An improved technique for provisioning working paths and protection paths is disclosed in which the “inferiority” of various links from each node to a “next hop” is examined. Choices are eliminated at each step before plural choices are evaluated at the next step, until the best working paths and protection paths through the network are established.

Abstract: Method and apparatus are presented for the generation and detection of maintenance signals in an optical data network. The maintenance signals are such that they can be read both by high bit-rate and low bit-rate receivers. Detection of the maintenance signals occurs in two stages. In a low bit-rate first stage each nodal input port is sampled in a round robin fashion to detect the presence of a maintenance signal. In a high bit-rate second stage the maintenance signal is verified and read by a high speed receiver, along with other high bit-rate information transmitted with it. One second stage high speed receiver is shared among M input channels for cost and circuit efficiency.

Abstract: A method and apparatus for providing signaling for disjoint shared protection in a data network are presented. In a preferred embodiment the method utilizes one or more of the same set of finite optical signals used for maintenance purposes in the network, which can be recognized without regard to bit rate or format. Nodes that share a failed link send an alarm signal that reaches the initiator and terminator node, whereupon the initiator node sends a signal that activates a protection lightpath. When the signal sent by the initiator node arrives at the terminator node, it sends back an acknowledge signal. If the acknowledge signal is not received within a certain time protection is voided. Contention for shared protection resources is resolved via a priority scheme.

Abstract: A novel solution to fast network restoration is provided. In a network node, dedicated hardware elements are utilized to implement restoration, and these elements are linked via a specialized high speed bus. Moreover, the incoming and outgoing optical signals to each input/output port are continually monitored and their status communicated to such dedicated hardware via the high-speed bus. This provides a complete snapshot in virtually real time of the state of each input port on the node, and the switch map specifying the inter portal connections, to the dedicated control and restoration hardware. The specialized hardware detects trouble conditions and reconfigures the switching fabric. The invention enables a very fast and efficient control loop between the I/O ports, switch fabrics, and controllers.

Abstract: In a maintenance system for a switch fabric in an optical switching network, a test signal is generated and multiplexed with the incoming traffic signal to form a composite signal. The composite signal is transmitted through the switch fabric via the traffic channel and then demultiplexed back into the traffic signal and the test signal, both of which are monitored by one or optical performance monitors. Thus, if the traffic signal is found to be defective, it is easy to determine whether the cause is the switch fabric or the incoming optical traffic signal that was already bad before entering the switch fabric.