Abstract: Apparatus for fraud detection for an account includes a plurality of N statistical estimators which estimate the likelihood of a transaction being fraudulent from data about a transaction on the account and transaction history of the account. A statistical estimator is provided which computes an estimate of the likelihood of a particular signature being that of a person authorized to sign on the account from an exemplar of the signature and a history of previous signatures. A combiner produces a combined probability estimate from the plurality of N statistical estimators and the statistical estimator.

Abstract: A location technique in an electronic encyclopedia for presenting relevant articles in response to a user input of a query term. The technique employs a user controlled hierarchy of filter parameters. The user selects a subset of the identifying parameters into which all articles are classified; each article being classified into at least one identifying parameter. There are 107 parameters disclosed. The encyclopedia automatically locates each article that employs the input or query term in each of the parameters selected by the user.The 107 identifying parameters are divided into four Groups. The articles presented to the user are only those articles which are common to each of tex up to four Groups into which the user selected parameters are divided.An optimally useful set of articles is provided to the user. By a combination of the union of the articles within the user selected parameters within each of the Groups together with the intersection of the articles between Groups.

Abstract: A method and apparatus stores and retrieves inflected forms of words in electronic reference products and, in particular, in electronic dictionaries, electronic bilingual dictionaries, electronic thesauri and an electronic Bible.