Abstract: A device for making automated transaction decisions comprising a memory to store a series of historical records and results, where each record contains a set of data values for a corresponding set of variables, a transaction input unit to convey corresponding data values of a transaction for which a decision is to be made, a decision output unit to convey a recommended decision, a self-configuring modeler to configure itself based upon information stored in memory in order to predict expected results from any set of data values, and a controller coupled to the modeler and the transaction input unit to generate a decision output.

Abstract: Methods, computer program products and computer systems for constructing a classifier for classifying a specimen into a class are provided. The classifiers are models. Each model includes a plurality of tests. Each test specifies a mathematical relationship (e.g., a ratio) between the characteristics of specific cellular constituents. Each test is polled using characteristic values of these specified cellular constituents from the biological specimen to be classified. In some embodiments, each test has a positive threshold and a negative threshold. When the value of the test exceeds the positive threshold, the test polls positive. When the value of the test is below the negative threshold, the test polls negative. When the value of the test is between the negative threshold and the positive threshold, the test polls indeterminate. The value of each test is combined to provide a composite score.