In this section, we briefly present the formalism we use. This formalism aims at describing the state of a system and its dynamic behaviour in an algebraic framework [DG 94]. It was first introduced in a case study on a formal specification of the embedded safety part of an automatic subway pilot [DM 91], [Dau 92], [DGM 93], in order to cope with the large number of variables whose values made ...

The Credit Risk+ model is one of the industry standards for estimating the credit default risk for a portfolio of credit loans. The natural parameterization of this model requires the default probability to be apportioned using a number of (non-negative) factor loadings. However, in practice only default correlations are often available but not the factor loadings. In this paper we investigate ...

Many factors innuence a learning process and the performance of a learned classiier. In this paper we investigate the eeects of class distribution in the training set on performance. We also study diierent methods of measuring performance based on cost models and the performance eeects of training class distribution with respect to the diierent cost models. Observations from these eeects help u...

Many factors innuence a learning process and the performance of a learned classiier. In this paper we investigate the performance eeects of class distribution in the training set. We also study diierent methods of measuring performance based on cost models and the performance eeects of training class distribution with respect to the diierent cost models. Observations from these eeects help us d...

This paper describes a multi-agent learning approach to adaptation to users' preferences realized by an interface agency. Using a contract-net-based negotiation technique, agents as contractors as well as managers negotiate with each other to pursue the overall goal of dynamic user adaptation. By learning from indirect user feedback, the adjustment of internal credit vectors and the assignment ...

Recent decades have seen a gigantic expansion in the use of credit cards as a true transactional medium. Data mining is rising as one of the chief features of many homeland security\ initiatives. Often, it is used as a means for detecting fraud, assessing risk, as well as product retailing. Data mining is becoming increasingly common in both the private as well as public sectors. Data mining in...

Credit cards and the subsequent payment of credit card debt play a crucial role in e-commerce transactions. While website design effects on trust and e-commerce have been studied, these are usually coarse grained models. A more individualized approach to utilization of online credit card payment services is examined that utilizes personality as measured by the Myers-Briggs personality type asse...