Abstract: Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments. The merchant segments are derived from the consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur more or less frequently than expected. Supervised segmentation is applied to merchant vectors to form the merchant segments. Merchant segment predictive models provide predictions of spending in each merchant segment for any particular consumer, based on previous spending by the consumer. Consumer profiles describe summary statistics of each consumer's spending in the merchant segments, and across merchant segments.

Abstract: Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments, which are derived from the consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur. Supervised segmentation is applied to merchant vectors to form merchant segments. Merchant segment predictive models provide predictions of spending in each merchant segment for any particular consumer, based on previous spending by the consumer. Consumer profiles describe summary statistics of each consumer's spending in the merchant segments, and across merchant segments. Consumer profiles include consumer vectors derived as summary vectors of selected merchants patronized by the consumer.

Abstract: Image features are generated by performing wavelet transformations at sample points on images stored in electronic form. Multiple wavelet transformations at a point are combined to form an image feature vector. A prototypical set of feature vectors, or atoms, is derived from the set of feature vectors to form an “atomic vocabulary.” The prototypical feature vectors are derived using a vector quantization method, e.g., using neural network self-organization techniques, in which a vector quantization network is also generated. The atomic vocabulary is used to define new images. Meaning is established between atoms in the atomic vocabulary. High-dimensional context vectors are assigned to each atom. The context vectors are then trained as a function of the proximity and co-occurrence of each atom to other atoms in the image. After training, the context vectors associated with the atoms that comprise an image are combined to form a summary vector for the image.

Abstract: Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments. The merchant segments are derived from the consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur more or less frequently than expected. Consumer vectors are developed within the vector space, to represent interests of particular consumers by virtue of relative vector positions of consumer and merchant vectors. Various techniques, including clustering, supervised segmentation, and nearest-neighbor analysis, are applied separately or in combination to generate improved predictions of consumer behavior.

Abstract: Image features are generated by performing wavelet transformations at sample points on images stored in electronic form. Multiple wavelet transformations at a point are combined to form an image feature vector. A prototypical set of feature vectors, or atoms, is derived from the set of feature vectors to form an “atomic vocabulary.” The prototypical feature vectors are derived using a vector quantization method, e.g., using neural network self-organization techniques, in which a vector quantization network is also generated. The atomic vocabulary is used to define new images. Meaning is established between atoms in the atomic vocabulary. High-dimensional context vectors are assigned to each atom. The context vectors are then trained as a function of the proximity and co-occurrence of each atom to other atoms in the image. After training, the context vectors associated with the atoms that comprise an image are combined to form a summary vector for the image.

Abstract: Image features are generated by performing wavelet transformations at sample points on images stored in electronic form. Multiple wavelet transformations at a point are combined to form an image feature vector. A prototypical set of feature vectors, or atoms, is derived from the set of feature vectors to form an “atomic vocabulary.” The prototypical feature vectors are derived using a vector quantization method (e.g., using neural network self-organization techniques) in which a vector quantization network is also generated. The atomic vocabulary is used to define new images. Meaning is established between atoms in the atomic vocabulary. High-dimensional context vectors are assigned to each atom. The context vectors are then trained as a function of the proximity and co-occurrence of each atom to other atoms in the image. After training, the context vectors associated with the atoms that comprise an image are combined to form a summary vector for the image.

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: Image features are generated by performing wavelet transformations at sample points on images stored in electronic form. Multiple wavelet transformations at a point are combined to form an image feature vector. A prototypical set of feature vectors, or atoms, is derived from the set of feature vectors to form an “atomic vocabulary.” The prototypical feature vectors are derived using a vector quantization method (e.g., using neural network self-organization techniques) in which a vector quantization network is also generated. The atomic vocabulary is used to define new images. Meaning is established between atoms in the atomic vocabulary. High-dimensional context vectors are assigned to each atom. The context vectors are then trained as a function of the proximity and co-occurrence of each atom to other atoms in the image. After training, the context vectors associated with the atoms that comprise an image are combined to form a summary vector for the image.

Abstract: A system and method for selecting and presenting personally targeted entities such as advertising, coupons, products and information content, based on tracking observed behavior on a user-by-user basis and utilizing an adaptive vector space representation for both information and behavior. The system matches users to entities in a manner that improves with increased operation and observation of user behavior. User behavior and entities (ads, coupons, products) and information (text) are all represented as content vectors in a unified vector space. The system is based on an information representation called content vectors that utilizes a constrained self organization learning technique to learn the relationships between symbols (typically words in unstructured text). Users and entities are each represented as content vectors.

Abstract: A system and method for generating context vectors for use in storage and retrieval of documents and other information items. Context vectors represent conceptual relationships among information items by quantitative means. A neural network operates on a training corpus of records to develop relationship-based context vectors based on word proximity and co-importance using a technique of "windowed co-occurrence". Relationships among context vectors are deterministic, so that a context vector set has one logical solution, although it may have a plurality of physical solutions. No human knowledge, thesaurus, synonym list, knowledge base, or conceptual hierarchy, is required. Summary vectors of records may be clustered to reduce searching time, by forming a tree of clustered nodes. Once the context vectors are determined, records may be retrieved using a query interface that allows a user to specify content terms, Boolean terms, and/or document feedback.

Abstract: Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments. The merchant segments are derived from the consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur more or less frequently than expected. Supervised segmentation is applied to merchant vectors to form the merchant segments. Merchant segment predictive models provide predictions of spending in each merchant segment for any particular consumer, based on previous spending by the consumer. Consumer profiles describe summary statistics of each consumer's spending in the merchant segments, and across merchant segments.

Abstract: Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments, which are derived from the consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur. Supervised segmentation is applied to merchant vectors to form merchant segments. Merchant segment predictive models provide predictions of spending in each merchant segment for any particular consumer, based on previous spending by the consumer. Consumer profiles describe summary statistics of each consumer's spending in the merchant segments, and across merchant segments. Consumer profiles include consumer vectors derived as summary vectors of selected merchants patronized by the consumer.