摘要:
A system, according to one embodiment, includes a hybrid account provided by an issuer to a user, the hybrid account having a balance, the balance being either positive, zero, or negative; and a financial instrument including a hybrid card, the hybrid card providing access to the hybrid account, in which transactions using the hybrid card provide interchange income to the issuer, the issuer charges interest to the hybrid account when the balance is negative, and the issuer pays interest to the hybrid account when the balance is positive.
摘要:
An improved method for forecasting and modeling product demand for a product during promotional periods. The forecasting methodology employs information about prior promotional demand forecasts, prior product sales, and the data dispersion and the number of data samples in a product class hierarchy to dynamically determine the optimal level at which to compute promotional uplift coefficients. The methodology calculates confidence values for promotional uplift coefficients for products at each level in a merchandise product hierarchy, and uses the confidence values as a filter to determine the optimal level for promotional uplift aggregation.
摘要:
An improved method for forecasting and modeling product demand for a product during promotional periods. The forecasting methodology employs a multivariable regression model to model the causal relationship between product demand and the attributes of past promotional activities. The model is utilized to calculate the promotional uplift from the coefficients of the regression equation. The methodology utilizes a mathematical formulation that transforms regression coefficients, a combination of additive and multiplicative coefficients, into a single promotional uplift coefficient that can be used directly in promotional demand forecasting calculations.
摘要:
An improved method and system for forecasting product demand using a causal methodology, based on multiple regression techniques. The improved causal method revises product group seasonal factors used by conventional forecasting applications to best fit the sales pattern of an individual product in the product group through the calculation of an exponential coefficient which measures the deviation of the historical sales pattern of an individual product from the product group seasonal factors. The value of exponential coefficient is calculated using a causal framework through multivariable regression analysis.
摘要:
An improved method for forecasting and modeling product demand for a product. The forecasting methodology employs a causal methodology, based on multiple regression techniques, to model the effects of various factors on product demand, and hence better forecast future patterns and trends, improving the efficiency and reliability of the inventory management systems. The improved method identifies linear dependent causal factors and removes redundant causal factors from the regression analysis. A product demand forecast is generated by blending forecast or expected values of the non-redundant causal factors together with corresponding regression coefficients determined through the analysis of historical product demand and factor information.
摘要:
A product demand forecasting methodology is presented that applies daily weight values to a weekly forecast to determine daily forecasts for a product or service. The method determines daily weight values for use in forecasting current product sales by blending daily weight values calculated from historical demand data for both recent weeks and year-prior weeks. Recent weeks are used to account for recent correlations and alternation effects, and year-prior weeks are used to account for seasonality effects. The method automatically calculates a measure of significance for the daily weights calculated from the recent weeks and year-prior weeks. The significance of each week is applied as a weighting factor during the blending of recent weeks and year-prior daily weight values.
摘要:
A practice sports racket and ball in combination is disclosed. The racket has an elastic member stretched over both sides of the frame. The elastic member is partly covered with the hook fasteners of hook and loop fastener material and the ball is covered with the loop fasteners of hook and loop fastener material. The center of this practice sports racket, sometimes referred to as the "sweet spot" is void of any hook fastener material. In practice, if the ball hits the "sweet spot", it will rebound as a normal hit. However, if the ball is off center, it will be contained as the loop fastener material on the ball makes contact with the hook fastener material on the practice sports racket.
摘要:
A torque intensifying tool for tightening and loosening threaded connectors has at least one torque intensifier unit with a torque intensifier housing portion, an input and a first output and a second output, a drive connected with the input unit for transmitting a torque from the drive through the intensifying unit to a threaded connector, so that in one mode of operation the housing portion together with the first and the second outputs turn in the same direction, and in another mode of operation the housing portion together with one of the first and second outputs receives a turning force in one direction while the other one of the first and second outputs receives an equal turning force in the opposite direction, and so that one of the first and second output means turns in the one mode and in the another mode while the other of the first and second output means turns in the one mode and reacts in the another mode.