Abstract: Computer machine, manufacture, methods of making and using the same, and product produced thereby, as well as necessary intermediates, each pertaining to a system of the kind adapted to transform insurance risk for a transaction, in cooperation with different entities with respective computing systems. Embodiments transforming insurance risks into credit risks to accomplish one or more financial guarantees are preferably carried out in multiple jurisdictions.

Abstract: A system and method is described for providing shared access to a three dimensional virtual environment synchronously with hypertext browsing. A cospace server receives a messages indicating requests for hypertext files on a network from a client. The cospace server tracks the requests and stores components or the addresses of components of the requested hypertext files. When a threshold number of clients have requested a hypertext file, the cospace server constructs a virtual three dimensional room description and sends it to the clients that are browsing the file. The virtual three dimensional room description is rendered as a virtual three dimensional room at the client, and typically includes portals to other virtual three dimensional rooms. A user is represented in the virtual room as an avatar, and can communicate with other users at other clients.

Abstract: A data exploration tool which has a graphical user interface that employs directed graphs to provide histories of the data exploration operations. Nodes in the directed graphs represent operations on data; the edges represent relationships between the operations. One type of the directed graphs is the derivation graph, in which the root of the graph is a node representing a data set and an edge leading from a first node to a second node indicates that the operation represented by the second node is performed on the result of the operation represented by the first node. Operations include query, segmentation, aggregation, and data view operations. A user may edit the derivation graph and may select a node for execution. When that is done, all of the operations represented by the nodes between the root node and the selected node are performed as indicated in the graph. The operations are performed using techniques of lazy evaluation and encachement of results with the nodes.

Abstract: An information retrieval system implemented as a virtual data base management system which uses a knowledge base management system to provide a problem-oriented conceptual schema for one or more standard data base management systems. In the conceptual schema, a hierarchy of concepts is used to organize individual objects. A classifier determines which concepts an individual object is a representative of and determines the relationship of new concepts to existing concepts. The use of a knowledge base with a classifier permits conversion of queries into concepts and detection of changes in the relationships between individual objects and the concepts. A window-based user interface permits flexible and experimental access to the information. Special features of the user interface permit the user to specify conversion of a query into a concept, to establish monitors to detect such changes, and to define a query by specifying a portion of a graph.

Abstract: Apparatus for constructing a complex artifact out of primitive artifacts and other complex artifacts. The apparatus has a permanent knowledge base of primitive artifacts, previously-made complex artifacts, and rules defining how complex artifacts are made from primitive artifacts. All artifacts in the permanent knowledge base have been checked for consistency. Artifacts from the permanent knowledge base are displayed in a search area as directed graphs in which the artifacts are represented by nodes. A user may search the permanent knowledge base, and the directed graphs in the search area show the results of the search. To construct a new complex artifact or to add to a complex artifact under construction, the user selects nodes of the directed graphs which represent desired component artifacts. Information about the desired artifacts is copied from the permanent knowledge base to a working knowledge base and a directed graph of the contents of the working knowledge base is displayed in a work area.

Abstract: An information retrieval system implemented as a virtual data base management system which uses a knowledge base management system to provide a problem-oriented conceptual schema for one or more standard data base management systems. In the conceptual schema, a hierarchy of concepts is used to organize individual objects. A classifier determines which concepts an individual object is a representative of and determines the relationship of new concepts to existing concepts. The use of a knowledge base with a classifier permits conversion of queries into concepts and detection of changes in the relationships between individual objects and the concepts. A window-based user interface permits flexible and experimental access to the information. Special features of the user interface permit the user to specify conversion of a query into a concept, to establish monitors to detect such changes, and to define a query by specifying a portion of a graph.