ࡱ> qp{?`.bjbjEM&5&5&5&5&5&5&5:5BUBUBU8zULUT:5 &V(NV:VVVWX\*Y0$hn9&5p[WWp[p[&5&5VV4Gpppp[&5V&5Vpp[ppx&5&5VV ;imBU*iv`R]0jmomm&5ZYLY6pY,ZhZYZYZY^pXZYZYZYp[p[p[p[:5:5:5F:5:5:5F:5:5:5&5&5&5&5&5&5 # 681.3.06 &/ ""#,   %  !"!#/   ...$5I5=:>, ..'04N:, ..3=0B5=:>@-6V-59B0 #:@0W=0, 03056, ;VB5E=VG=0, 33, :>@?. 2, :V7@>1:0 V=D>@-0=0;VB8G=>W A8AB5W >1@>1:8 40=8E V7 70AB>AC20==O< 45;59 ?@028;. :070=V ?@8=F8?8 DC=:FV>=C20==O B0:8E A8AB5<. 50;V70FVO A8AB53@03> ?@>4C:BC Blaze Advisor.This work deals with development of information analytic systems that provides intellectual data processing based on rule models technique. It is considered main principles of that systems functioning. System has been developed using Fair Isaac Blaze Advisor. ABC? @>1;51@>1:8 B0 28:>@8AB0==O 25;8:>3> >1AO3C =0:>?8G5=8E 40=8E T :;NG>2>N 4;O 1030BL>E >@30=V70FV9. /: ?@028;>, ?@8 @>7@>1FV 25;8:8E AE>28I [1] 40=8E 0:F5=B 7@>=C AB2>@5==O @V7=8E A8AB5@30=V70FVW, 715@V30==O B0 >1@>1:8 FVTW V=D>@28I5 0:C1>N A:;04=89 1030B>@V2=5289 B0 @V7=>@V4=89 48BL 4> B>3>, I> 1V;LH0 G0AB8=0 FVTW V=D>@<0FVW =5 65 1CB8 28:>@8AB0=0 B8=0 ?@87=0G5=0 V =091V;LH =5>1EV4=0  0=0;VB8:0<8 B0 :5@V2=8:0<8. "0:81@>1:8 =5>1EV4=8E 4;O 0=0;V7C 40=8E, WE ?@54AB02;5==O C 7@CG=V9 4;O A?@89=OBBO D>@<V 3> ?@89=OBBO @VH5=L :5@V2=8:0F5A ?>HC:C :>@8A=8E 40=8E C AE>28IV B>2:8 40=8E, 281>@C V=D>@7=0:, >G8I5==O 40=8E, 70AB>AC20==O 4V2 74>18GV 40=8E (Data Mining) [2], 0 B0:>6 >1@>1:8 V V=B5@?@5B0FVW >B@8<0=8E @57C;LB0BV2. &5=B@0;L=8< 5;5;>3VW T 48 Data Mining (DM), I> 4>72>;ONBL 7=0E>48B8 7=0==O 70 4>?>3>N <0B5@8B@8B@8AB>2C20=V ?@8 FL>, 28W :V;L:>ABV >1G8A;5=L. 0=VH5 F5 1C;> AB@8<CNG8:>3> ?@0:B8G=>3> 70AB>AC20==O DM, ?@>B5 AL>3>4=VH=T 7@>AB0==O ?@>4C:B82=>ABV ?@>F5A>@V2 7=O;> 3>AB@>BC FVTW ?@>1;5<8. "5?5@ 70 ?@89=OB=89 G0A 6=0 ?@>25AB8 O:VA=89 0=0;V7 A>B5=L B8AOG V =02VBL =V2 70?8AV2. @8 FL>AL 28I5, >A=>2=8@8ABC20G0B@8W V=D>@W <0B5W >A2VB8, B>B@8<0=V 72 O7:8 ABO3=>7=V E0@0:B5@8AB8:8 01> V=HV >7=0:8 ?>28==V 1CB8 ?@54AB02;5=V C 7@>7C@8ABC20G0-=5<0B5ABVH5 70 2A5 A?@89N ;>3VG=V :>=AB@C:FVW O:I> ..., B>.... V;LH B>3>, B0:V ?@028;0 6CBL 1CB8 28:>@8AB0=V 2 @V7=8E ! O: SQL-70?8B8. # @07V, :>;8 >B@87>@V 4;O :>@8ABC20G0, ?>28==V VA=C20B8 48 ?>AB>1@>1:8, I> 4>72>;ONBL ?@825AB8 WE 4> ?@89=OB=>3> 283;O4C. /: ?@028;>, 48 DM 28:>@8AB>2CNBLAO 4;O @>72 O70==O =0ABC?=8E 7040G: 1.;0A8DV:0FVO  2V4=5A5==O >1'T:BV2 (A?>AB5@565=L, ?>4V9) 4> >4=>3> 7 =0?5@54 2V4>1'T:BV2 (A?>AB5@565=L, ?>4V9) =0 >A=>2V 40=8E (2;0AB82>AB59), I> >?8ACNBL ACB=VABL >1'T:BV2. 1'T:B8 CA5@548=V :;0AB5@0 ?>28==V 1CB8 AE>6848= =0 >4=>3> V 2V4@V7=OB8AO 2V4 >1'T:BV2, I> C2V9H;8 4> V=H8E :;0AB5@V2. '86V >1'T:B8 CA5@548=V :;0AB5@0 V G8< 1V;LH5 2V4AB59 <V6 :;0AB5@0<8, B8G=VH5 :;0AB5@870FVO. 3. 53@5AVO, C B>3=>7C20==O. AB0=>2;5==O =5?5@5@2=8E 70;56=>AB59 28EV4=8E 7FV0FVO  28O2;5==O 70:>=>AB59 2'O70=84VOW 70:>=>ABV A;C68BL ?@028;>, O:5 2:07CT, I> 7 ?>4VW X 28E>48BL ?>4VO Y. "0:V ?@028;0 =07820NBLAO 0A>FV0B82=8?>=>20=0 4;O 7=0E>465==O B8?>28E H01;>=V2 ?>:C?>: C AC?5@4V WW I5 =07820NBL 0=0;V7>2>W :>@78=8 (market basket analysis). 5.>A;V4>2=V H01;>=8  2AB0=>2;5==O 70:>=>AB59 2'O70=84VO=V2.A:V;L:8 B5E=>;>3VO DM 28=8:;0 V ?@>4>26CT @>72820TBLAO =0 AB8:C B0:8E 48AF8?;V=, O: AB0B8AB8:0, B5>@VO V=D>@<0FVW, @VO 107 40=8E, B> FV;:>=>, I> 0;3>@8B<8 V 48 DM CB2>@NNBL >:@5<V =0?@O<:8,  ?>2 O70=V >48= 7 >4=8=F5=B@>20=0 =0 >4=>7?>2AN465=8E ?V4E>4V2 4> @>72 O70==O 7040G DM  45;59 ?@028;. "0:V 45;V 6CBL AB2>@N20B8 VT@0@EVG=C AB@C:BC@C B0 CB2>@N20B8 45@52> @VH5=L 01> >@30=V7>2C20B8AO C A:;04=V ?>B>:8 ?@028; B0 @>7@0EC=:>2V 45;V. # AB0BBV ?>:070=5 70AB>AC20==O FL>3> ?V4E>4C 4> >@30=V70FVW V=B5;5:BC0;L=>W >1@>1:8 40=8E 4;O 0=0;VB8G=>3> AE>28I0, >@VT=B>20=>3> =0 =0:>?8G5==O V=D>@2>3> E0@0:B5@C.!8AB5W >1@>1:8. ;O B>3> I>1 AE>28I5 40=8E A?@8O;> ?@89=OBBN @VH5=L, V=D>@28==0 1CB8 ?@54AB02;5=0 0=0;VB8:C 2 ?@89=OB=V9 D>@1B> 2V= ?>28=5= 728=CBV V=AB@CABC?C 4> 40=8E AE>28I0 B0 WE >1@>1:8. '0AB> V=D>@-0=0;VB8G=V A8AB5 AB2>@NNBLAO 2 @>7@0EC=:C =0 WE 157?>A5@54=T 28:>@8AB0==O >A>10<8, O:V ?@89ABV 2 70AB>AC20==V, 0;5 6>@AB:> >1=0;L=>ABV. "0:V AB0B8G=V A8AB5@<0FV9=8<8 A8AB5<0=8 1V ?>?5@54=L> 287=0G5=V 68=8 70?8BV2, 4>AB0B=V 4;O ?>B>G=>3> 0=0;V7C, 0;5 ?@8 28=8:=5==V 4>40B:>28E ?8B0=L, =5>1EV4=8E 4;O ?@89=OBBO @VH5==O, ?>B@51CNBL ?5@535=5@0FVW 70?8BC, I> 65 ?>B@51C20B8 3>48= B0 4=V2. "0:82=VH=O ?@>AB>B0 AB0B8G=8E A8AB548BL 4> 2B@0B8 3=CG:>ABV.8=0<VG=V A8AB5<8 ?V4B@8@VT=B>20=V =0 >1@>1:C =5@53;020=8E 70?8BV2 0=0;VB8:V2. 091V;LH 3;81>:> 2838 4> B0:8E A8AB573;O=C2 .$.>44 C @>1>BV, I> ?>:;0;0 ?>G0B>: :>=F5?FVW OLAP [4]. >1>B0 0=0;VB8:V2 7 F8<8 A8AB5<0;O30T 2 V=B5@0:B82=V9 ?>A;V4>2=>ABV D>@A;V465==O WE @57C;LB0BV2. 8=0<VG=V !  6CBL 4VOB8 =5 BV;L:8 2 >1;0ABV >?5@0B82=>W 0=0;VB8G=>W >1@>1:8 (OLAP). V4B@8A=>2V =0:>?8G5=8E 40=8E 65 28:>=C20B8AO C B@L>E 107>28E >1;0ABOE[5]:45B0;V7>20=8E 40=8E. &5 >1;0ABL 4VW 1V;LH>ABV A8AB5HC: V=D>@ABV 28?04:V2 @5;OFV9=V ! @>72 O7CNBL 7040GV, I> 28=8:0NBL 2 FL>74V;V. 030;L=>?@89=OB8< <0=V?C;C20==O 40=8<8 T 20 AB@C:BC@>20=8E 70?8BV2 SQL; 03@53>20=8E ?>:07=8:V2. >3;O4 =0 7V1@0=C C AE>28IV 40=8E V=D>@0B@81CB=89 0=0;V7 O2;ONBLAO 7040G0<8 A8AB5?5@0B82=>W 0=0;VB8G=>W >1@>1:8 (OLAP) [6]. "CB 6=0 >@VT=BC20B8AO =0 A?5FV0;L=V 1030B>28 70;8H0B8AO 2 @0;>3V9; 70:>=>AB59. =B5;5:BC0;L=0 >1@>1:0 2V41C20TBLAO 70 4>?>3>N 4V2 V=B5;5:BC0;L=>3> 0=0;V7C 40=8E (, Data Mining) [7], 3>;>2=8<8 7040G03> O2;ONBLAO ?>HC: DC=:FV>=0;L=8E V ;>3VG=8E 70:>=>AB59 2 =0:>?8G5=V9 V=D>@1C4>20 45;59 V ?@028;, I> E0@0:B5@87CNBL AB0= 01> ?@>3=>7CNBL @>728B>: ?52=8E ?@>F5AV2.>2=0 AB@C:BC@0 V=D>@-0=0;VB8G=>W A8AB51C4>20=>W =0 >A=>2V AE>28I0 40=8E, ?>:070=0 =0 @8A. 1.  :>=:@5B=8E @50;V70FVOE >:@5=5=B8 FVTW AE5<8 6CBL 1CB8 2V4ACB=V. >73;O=5 A8AB53> 0=0;V7C 40=8E, ?>1C4>20=C =0 >A=>2V 45;59 ?@028;. EMBED Word.Picture.8  8A. 1. 030;L=0 AB@C:BC@0 V=D>@-0=0;VB8G=>W A8AB5@5==O 45;V A8AB5@8AB0==O 4;O >FV=:8 ?52=8E E0@0:B5@8AB8: T >4=VTN 7 :;NG>28E 1C4>28 A8AB5W >1@>1:8 40=8E. ;0A=5 45;;N ?@028; =07820TBLAO H01;>=V7>20=5 ?@54AB02;5==O 3@C?8 ?@028; 4;O >1@>1:8 40=8E. "0:V ?@54AB02;5==O 70728G09 >@30=V7>2CNBLAO 2 B01;8FV, I> 4>72>;OT D>@@8B1>B8 B0 4>?>4=V H01;>=8 ?@028;.# B01;8FV ?@82545=> ?@8:;04 >?8AC ?@028;. 0?8A8 2 ;V28E AB>2?FOE  C20 ?@028; (C2=89 >?5@0B>@), C ?@02>2?FV  ?V4AC: ?@028;0 (=0A;V4>:).@8:;04 45;V ?@028; "01;8FO0720 ?@028;0/)8:>=CTBLAO V@=> " 57C;LB0B @028;> 1"0:"0:= 0.6@028;> 2VV = 0@028;> 3"0:V = 0.5# ?5@H>2?FV 4;O 7@CG=>ABV 2:07CTBLAO =0720 ?@028;0. 0ABC?=V 45:V;L:0 AB>2?FV2 <VABOBL C28 V >AB0==V9  @57C;LB0B ?@028;0, 70728G09 ?52=C A:>@8=3>2C 71@065=> B@8 ?@028;0. # =8E >4=0:>2V 45;V C2 V @57C;LB0BV2, 0;5 5:75<?;O@ 45;V C :>6=>3> ?@028;0 A2V9. >45;V ?@028; 206;82V B8 40NBL 2V7C0;L=89 <5E0=V7AO3=5==O <5B8 0=0;V7C. 5@H0 <5B0  2V44V;8B8 C28 ?@028; 2V4 WE @57C;LB0BV2. @C30  01AB@03C202H8 C28 V @57C;LB0B8, >B@8W AB@C:BC@8 ?@>ABVH5 282G0B8 A5<0=B8G=C FV;VA=VABL ?@028;.5@H8:>@5==O 45;V ?@028; T 0=0;V7 ?@028;, 70DV:A>20=8E 0=0;VB8:04V @>1>B8. >BV6V 70 A5N ?@028;0 V CB2>@8B8, B0:8<, 45;V. AB0==V< T ?@82 O7:0 45;V 4> @50;L=8E 5;528I0. V47=0G8, I>, E>G >@30=V70FVO 65 <0B8 B8AOGV ?@028;, 45;59 ?@028; 1C45 7=0G=> 45;L ?@028; =04728G09=> 206;820 4;O 0=0;V7C. 0AB>A>2CNG8 WE, 6=0 ?V428I8B8 O:VABL =01>@V2 ?@028;, >A:V;L:8 28O2;ONBLAO:=044=VTW 45;V; 4C1;N20==O ?@028; (@<0 =04ABV); AC?5@5G=>ABV 2 45;V ?@028;; =5?>2=>B0 45;V ?@028; (G8 T 2AV ?>B@V1=V 28@078, 5:752>: 7=0G5=L). 5>1EV4=> ?0 O:VA=V ?@028;0, O: V O:VA=V 40=V, ?>28==V 1CB8 =5?>4V;L=8<8, 45:;0@0B82=8<8, OA=8G=8<8 V =04V9=8@8 ?@028;  ?>2=8<8, C=V:0;L=8A;V4>2=82V4=>, =570;56=> 2V4 ?@89>1>B8 7 ?@028;018B8 FV;L=8?>3>N H01;>=V2 V 7030;L=>3> A;>2=8:0, CAC20B8 =047102;OB8AO 2V4 AC?5@5G=>AB59, I>1 :>6=0 45;L ?@028; 1C;0 28G5@?=>N, 0 25AL =01V@ ?@028; C 45;V  ?>2=81>BC 7 0B@81CB0 0=0;V7C20B8 7 B>G:8 7>@C =5 BV;L:8 A5W O:>ABV, 0;5 V 270T70;56=>ABV. 4=5 ?@028;> 70;568BL 2V4 V=H>3>, O:I> ?5@H>B@V1=V @57C;LB0B8 4@C3>3>. 70T70;56=VABL ?@028; 70157?5GCT 206;82C ?>A;V4>2=VABL =0 2E>4V np2    L N |  B D RTbd46$ мбhoh\*NHmH"sH"hoh\*mH"sH"hoh\*mH sH hoh\*NH hoh\*hhh\*NH hh\*h\* h^h\* hhh\* h\*h\*@ P  N ">1>G8E ?>B>:V2.A=>2=V 5B0?8 @>7@>1:8 45;V ?@028;. >7@>1:0 45;V ?@028;  A:;04=89 ?@>F5A, O:89 ?>28=5= 2:;NG0B8 282G5==O ?@54W >1;0ABV, ?@>F5AV2, 7040G B0 157?>A5@54=T A?V;:C20==O 7 :V=F528@8ABC20G0<8, 0=0;VB8:0<8 B0 5:A?5@B07@>1:8 <0T 1CB8 4C;L ?@028; 2 7030;L=V9 V=D>@-0=0;VB8G=V9 A8AB5 @50;V7CT V=B5;5:BC0;L=C >1@>1:C, >FV=:C B0 DV;LB@0FVN V=D>@28I0 40=8E. &59 ?@>F5A 2:;NG0T, I>=09B8@8 1>GV A?5F8DV:0FVW ?@028;; ?@82 O7:C ?@028; 4> ?@>F5AV2 2 !; 4>:;04=V A?5F8DV:0FVW @50;V70FVW :>6=>3> ?@028;0; V=B53@0FVN 4C;O ?@028; 2 0@EVB5:BC@C !.>FV;L=> 2V47=0G8B8 B0 >E0@0:B5@87C20B8 45O:V 5B0?8 @>7@>1:8.B0? 1. 87=0G5==O <VAFO 45;V ?@028; 2 7030;L=V9 0@EVB5:BC@V A8AB5AC20==O 4C ?@028; 28:>3> 0=0;V7C WW 0@EVB5:BC@8. $0:B8G=> 45;L ?@028; :>=B@>;NT ?>B>:8 40=8E C AE>28IV, >FV=NT WE AB@C:BC@C 70 ?52=8@8B<02V4>@8ABC20G0 ?@> 28O2;5=V @57C;LB0B8. ">7@>1:0 4C;O ?@028; ?>28==0 AC?@>2>46C20B8AO AB2>@5==O28I0 4;O @57C;LB0BV2 0=0;VB8G=>W >1@>1:8 B0 2V4?>2V4=8E V=B5@D59AV2 270T4VW 7 :>@8ABC20G028E 283 4> @V2=O ?@028;, DC=:FV>=0;L=8E B0 B5E=VG=8E. >6=0 284V;8B8 420 >A=>2=V B8?C 45;59 ?@028;: 02B>=>3>2V.  :>=5=B0E ?5@H>3> B8?C 40=V 0=0;V7CNBLAO ?>ABV9=> (01> @53C;O@=>), 0 @57C;LB0B8 715@V30NBLAO. &5 E0@0:B5@=>, =0?@8:;04, 4;O A8AB52=5==O AE>28I0 =>2>N V=D>@<0FVTN.  45;OE 4@C3>3> B8?C @>1>B0 2V41C20TBLAO =0 283C :>@8ABC20G0, O:89 D>@<CT 2838 B0 >B@85:BC20==O ?@028; 2 45;V. '5@3>2VABL 5B0?V2 @>7@>1:8 65 1CB8 @V7=>N, 70;56=> 2V4 B8?C 45;V, 2V4 DC=:FV>=0;L=>ABV A8AB5 >11EV4=8E @>1>G8E ?>:07=8:V2. @8 @>1>BV 7 02B>=>N 45;;N ?@>5:BC20==O V 2?@>20465==O ?@028; A;V4 ?@82'O7C20B8 4> 40=8E. ;O FL>3> A?>G0B:C 287=0G0NBLAO B01;8FV V ?>;O AE>28I0, 70728G09 C D>@<V 45;V 40=8E 01> >1'T:BV2. >BV@<C;NNBLAO ?@028;0 4;O 40=8E, 70 O:8AB5@V30B8<5 45;L. @028;0 28@060NBLAO 45:;0@0B82=>, E>G0 4;O FL>3> 65 1CB8 ?>B@V15= ?5@5:;04.  @57C;LB0BV <0T >B@8<0B8 68=8 ?@028; O:I>..., B>...., >@30=V7>20=V C 283;O4V B01;8FL.# 4V0;>3>2V9 45;V ?@>5:BC20==O ?@028; 70728G09 A?8@0NBLAO =0 ?@>F5A. /: ?@028;>, AB2>@NTBLAO >1'T:B=0 45;L, O:0 ?>28==0 70157?5G8B8 ?5@540GC V AC@8AB0==O 40=8E. @8 FL>:@57@>1FV V=B5@D59AC :>@8ABC20G0, O:89 ?>28=5= 4>72>;OB8 704020B8 B0 ?@>3;O40B8 ?@028;0, 1CB8 ?@>AB87C<V;85:BC20==O ?@028; 28 :>28B8 G5@3>2VABL 28:>=0==O :>28B8 G5@3>2VABL 28:>=0==O ?@028; CA5@548=V :>>?@0FN20==O 1078 40=8E. >7@>1:0 A8AB5<8 702648 28N20==O 1078 40=8E. 57C;LB0B>1>B8 45;V ?@028; 1C45 ?52=0 0=0;VB8G=0 V=D>@1EV4=> 715@V30B8, 1060=> 2 E@>=>;>3VG=>@O4:C, B0 28:>@8AB>2C20B8 4;O 24>A:>=0;5==O A8AB5G=5==O 203>28E :>5DVFVT=BV2 B>I>.  E>4V =0AB@>N20==O ?>B@V1=0 A?V2?@0FO ?@>5:BC20;L=8:0 ?@028; V @>7@>1=8:0 107 40=8E.B0? 5. 81V@ A5@54>28I0 @50;V70FVW. 060=> 28:>@8AB>2C20B8 A?5FV0;V7>20=5 A5@54>28I5 @>7@>1:8, ?@87=0G5=5 4;O AB2>@5==O 45;59 ?@028;, I> 4>72>;8BL H284:> B0 5D5:B82=> @>7@>1;OB8, 2?@>2046C20B8 B0 24>A:>=0;N20B8 45;V ?@028;.040G0 ?>HC:C ?@8E>20=8E 72 O7:V2. 0AB>ACT >?8A0=89 ?V4EV4 4> 7040GV ?>HC:C 6;828E ?@8E>20=8E 72 O7:V2 C AE>28IV 40=8E, I> @ DV=0=A>2V >?5@0FVW DV78G=8E B0 N@848G=8E >AV1. ;O 28O2;5==O DV=0=A>28E  2V4A;V4:>2C20B8 6;82V 72 O7:8 B0 ;0=FN6:8 >AV1, I> 74V9A=NNBL 3@>H>2V >?5@0FVW. 2 O7:8, I> 6CBL VA=C20B8 <V6 DV78G=8<8 B0 N@848G=8A>10<8, 6=0 2V4=5AB8 4> >4=>3> 7 42>E B8?V2: 2>;>4V==O B0 V=D>@ 72 O7:V2 2>;>4V==O 1C45 2V4=>A8B8 BV, I> 28=8:0NBL 2=0A;V4>: 2>;>4V==O A?V;L=>N 2;0A=VABN (>48= V7 AC1 T:BV2 2>;>4VT G0AB8=>N 2;0A=>ABV V=H>3>). "0:0 A8BC0FVO G0AB> 28=8:0T 2 0:FV>=5@=8E B>20@8AB20E, E>;48=30E, =0 ?V4?@8T;5:B82=>N D>@N 2;0A=>ABV B>I>.=D>@;8 >48= V7 AC1 T:BV2 5:>=>W 4VO;L=>ABV 2>;>4VT G0AB8=>N V=D>@ 4VW V=H>3> (=0?@8:;04, 2;0A=8:8 @V7=8E ?V4?@8T48==8E 72 O7:0E, ?@>6820NBL 70 A?V;L=>N 04@5A>N B>I>).!8AB56=>3> B8?C 1C45 ?@54AB02;OB8 C 283;O4V >@VT=B>20=>3> 3@0DC 7 2030<8. 5E09 <0T 68=C A={a1& an} AC1 T:BV2 5:>=>W 4VO;L=>ABV, <V6 O:8<8 VA=CNBL ?@O1C4CT 3@0D (V(A),E(A)), 25@H8=03> T 5;5<5=B8 68=8 V(A)= {v1& vn}, 45 vj  25@H8=0, I> 2V4?>2V40T AC1 T:BC aj. 0O2=VABL 72 O7:C AC1 T:B0 ai 7 AC1 T:B>7=0G0B8 VA=C20==O 4C38 (>@VT=B>20=>3> @51@0) 3@0D0 eij 7 203>N cij, I> 4>@V2=NT ABC?5=N ?@O3> 72 O7:C <V6 AC1 T:B0<8. ;O ?@O3> 72 O7:C B8?C 2>;>4V==O 1C45 V=B5@?@5BC20B8 203C @51@0 cij O: G0AB:C 2;0A=>ABV >1 T:B0 j, O:>N 2>;>4VT >1 T:B i (=0?@8:;04, G0AB:0 0:FV9). ;O ?@O3> V=D>@3> 72 O7:C 1C45 V=B5@?@5BC20B8 203C @51@0 cij O: G0AB:C V=D>@ >1 T:B j, O:>N 2>;>4VT >1 T:B i. >1C4>20=89 3@0D 65 A:V;L:8 AC1 T:B 5:>=>W 4VO;L=>ABV 65 2>;>4VB8 G0AB8=>N A515 (=0?@8:;04, 0:FV>=5@=5 B>20@8AB2>, O:5 =5 ?@>40T G0AB8=C A2>WE 0:FV9) 01> 7=0B8 ?@> A515. >40;LH0 >1@>1:0 3@0DC V(A) >A=>20=0 =0 0;3>@8B 4>72>;OT >B@82=89 72 O7>: 2V;L=8<8 25@H8=0@8B7@0EC=:C ?>2=8E 72 O7:V2 ?>;O30T 2 =0ABC?=>2=8B8 <0B@8FV ?@O@8ABCNG8AL ?@028;0HC:C B0 287=0G5==O 72 O70=8E >AV1. 2. >7@0EC20B8 ?>2=V 72 O7:8 2>;>4V==O (107>289 0;3>@8B2=V 72 O7:8 2>;>4V==O B0 ?@O@ >B@8W 2C 70AB>AC20B8 107>289 0;3>@8B@8ABC20G52V 2 3@0DVG=> B01;8G=> @50;V7>20=> 2 @0@5==O A8AB5FV=:8 @878:V2 DV=0=A>28E >?5@0FV9, ?@87=0G5=>W 4;O 02B>20=>3> 0=0;V7C 40=8E 0=0;VB8G=>3> AE>28I0 =0 107V 45;59 ?@028; 7 N A:>@8=3>2>W >FV=:8 6;82>W ?@8G5B=>ABV DV=0=A>2>W >?5@0FVW 4> DV=0=AC20==O B5@>@87 2V4HBV2. # O:>ABV A5@54>28I0 @>7@>1:8 1C;> 281@0=> ?@>3@04C:B Blaze Advisor, ?@87=0G5=89 4;O AB2>@5==O, @>728B:C B0 ?V4B@83@01>B8 7 1V7=5A-?@028;0@V2=52V ?@8:;04=V ?@>3@0<=V A8AB5, @>7@0E>20=V =0 @>1>BC 7 1030BL@8ABC20G0A:V;L:8 ?@87=0G5=V 4;O :>@?>@0B82=>3> 28:>@8AB0==O. A=>2=8;V:> 1C4L-O:V 73VFV 01> DC=:FVOE 4>ABC?C 4> 40=8E A?@8G8=ONBL 1V;LHV G8 <5=HV 7 2V4 B>2I8=8 :;VT=B0), 282;5==O =>2>W :;VT=BAL:>W G0AB8=8 70=>2> =0 2AVE @>1>G8E ;>3VO @>7@>1:8 ?@028; A8AB572>;OT 2V44V;8B8 WE @50;V70FVN 2V4 ?@>3@03> :>4C. ">=:8AO30TBLAO =5>1EV4=0 3=CG:VABL =040==O A5@2VAV2 2V440;5=8< B5@<V=0;01>N 73@05:BC20==O >1'T:B=8E 45;59 AB2>@5==O V :5@C20==O ?@028;06 ACG0A=89 V=AB@C<5=B0@V9 4;O 35=5@0FVW, ?V4B@873>@B0==O :;VT=BAL:8E ?@>3@018 35=5@0FVW 4>72>;ONBL B0:>6 02B> >45@6C20B8 ?>2=VABN ?@0F5740B=C ?@>3@0@5=0 ?@8:;04=0 ?@>3@0<=0 A8AB5<0, AE5W ?@54AB02;5=0 =0 @8A 2. 0 AE51@065=0 0@EVB5:BC@0 DC=:FV>=C20==O. >@8ABC20G (0=0;VB8:) ?@0FNT 7 ?@>3@0<=8?>3>N Web-V=B5@D59A 0=0;VB8:0, O:89 G5@57 !5@25@ @>1>B8 7 ?@028;0<8 ?@0FNT 7 0:BC0;L=8<8 45;O<8 ?@028;. @8 7<V=V 45;V ?@028; C ;>:0;L=V9 107V A5@25@ 28:>=CT 35=5@0FVN V ?V4B@8<CT 0:BC0;L=VABL. EMBED Visio.Drawing.6  8A.2. @EVB5:BC@0 A8AB5<84@ :>9:8 B0 45;V ?@028; G5@57 Web-V=B5@D59A 042:8 # AB0BBV @>73;O=CB> ?V4EV4 4> >@30=V70FVW V=B5;5:BC0;L=>W >1@>1:8 40=8E V7 70AB>AC20==O< 45;59 ?@028;. !B2>@5=> V=D>@ 0=0;VB8G=C A8AB52>W V=D>@28I0 40=8E. :070=> >A=>2=V 5B0?8 @>7@>1:8 45;V ?@028;. !8AB520=> =0 107V ?@>3@03> ?@>4C:BC Fair Isaac Blaze Advisor.!?8@;8-. >@?>@0B82=K5 E@0=8;8I0 40==KE. ;0=8@>20=85, @07@01>B:0 8 @50;870F8O. ".1: 5@. A 0=3;.  .: 74. 4>< 8;LO2A:89 .. !;>6=K9 0=0;87 40==KE 1>;LH>3> >1J52K5 ?5@A?5:B82K :>2 . . @8=F8?K ?@>5:B8@>20=8O 8 8A?>;L7>20=8O 3><5@=KE 107 40==KE (=0 ?@8.., 548=... 040G0 845=B8D8:0F88 D878G5A:8E 8 N@848G5A:8E ;8F 2 E@0=8;8I0E 40==KE ?@8 ?>8A:5 ?>4>7@8B5;L=KE D8=0=A>2KE >?5@0F89//0C:.-?@0:B. :>=D. 7 <V6=0@. CG0ABN !8AB5<8 ?V4B@8@VO V ?@0:B8:0, 7 G5@2=O 2005, 45;V V 70A>18 A8AB545;V V 70A>18 A8AB545;V V 70A>18 A8AB5< 107 40=8E V 7=0=L .. !0E20;>2, 2006ISSN 1727-4907. @>1;5<8 ?@3@0<C20==O. 2006. ! 2-3. !?5FV0;L=89 28?CA:  PAGE 431vx8:&(,.0֓6FHLNPZ\^xz|~bdΖЖBDė46BZ֟؟vxfh0hoh\*H*hoh\*6H*hoh\*6hoh\*5 hoh\*hoh\*NHQ42BjH^Эҭ8:T b`$ & Fhh^ha$gd^3@&gd $7`7a$gd\* $@&a$gd$a$gd\*4gd14gd^02ޫ &X^`ЭҭTnp8:LT 2Z\PRbvB`z~μ٥wwwwlwlwlwwh^h\*CJaJh^h\*CJaJmH"sH"h^h\*6CJaJmH"sH"h\*h1h\*mH"sH"h\*mH"sH"jH!hhh\*UmH"sH"#jGtG hhh\*UVmH"sH"hhh\*mH"sH"jhhh\*UmH"sH"hoh\*6 hoh\*hoh\*NH* jlڻܻ޻ hh]h`hgd &`#$gd$$%&dPa$gdgd$%&dPgd.@&gd?l$ & Fhh^ha$gd^~и hjl»λлֻػڻ޻ֶ֯uhuYuhuhuh?l0JCJaJmHnHuhYh10JCJaJ!jhYh10JCJUaJh1h156mH"sH"hh156mH"sH"hLjhLU h=hh^h\*CJaJmHsH h^h\*CJNHaJmH"sH"h^h\*CJaJmH"sH"h^h\*6CJaJmH"sH"h^h\*CJaJ"LNPTr $&Φo]L?LLhKMh10JCJaJ!jhKMh10JCJUaJ"hKMh156CJaJmH"sH"hKMh15CJaJmH"sH"hh15CJaJmHsHhKMh15CJaJhh1mHsHhh1CJaJmHsHh156mH"sH"hh156mH"sH"h1hYh10JCJaJ!jhYh10JCJUaJh?l0JCJaJmHnHu޻NP(*,..@&gd?lgd  $%%gd $%<gdgd$$%&dPa$gd hh]h`hgd &`#$gd &(*,. h=hhLh1hKMh156mH"sH"C 00&P 1hP:pqkx]xTՕ3 ?!L&c0/$!fBBLXhhm4RiQSb!YWӚ"hm3/zhyQ/S*z0Sy%j܆F|r|~j>Hlsj O4Z+C&r>l4^#χ޷r0BUQQC~π@upoNpS"o=%򹐭-RmnV;qJp#4Ko+VUc<Z`*ӏHYBЖ,Ik%6R; (8%*JRbmfRqfC"X[7%m[~)Yg i#q(d \oW!xZOX },EGwı> !#!Nq6ak,>˃)3w{w;]g`=|ԧQR/#@K}> @]ݡy@7oO&~BӑH|X͇UF5V[?io9Ta]Uua6gú+[y/?h8 ؜ns?XUևUf wG"V"V h_~Fm zRcЏI`oXDM{KҼK_~ }9juߨu$\D?VI6!1=Y'1|f1tbUqNQtrc쏝?X%XŃkE W?F`h5Dot-\ ГU('VN!nFNfFYef6d޷[q 3cxFn]25 Ve̤^uI< Cй5 ~3̑vJ‡n";4fF}`܄c2߮3X[y^O3c-#9flQ3iʘ]1~nj3CmX3* }5f#|f̺oc=^WO8}fE깫z\s7JOL˷.uf'\x,5֞c7Ya)LyS=S|祔4OTJ~0џ)%˼,Wy@w~wwt,n~nZ͇\Kյ8p!7u!Xc|3~Nt,5WaVOiì_U6{Y7%YGHv~kwmUܞ Rp_?q)k)Yk)* L~JeHLB]ZJŝ5k)r_qκ|uߨu$\fPR>E.!@H<]dqjk+ٜgI=  !"#$%&'()*+,-./0123456789:;?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefgijklmnortuvwxyz}~Root Entry F;imData h=WordDocumentEObjectPool;im;im_1203882255  F;im;imData s1Table|CompObjoDd -D  3 @@"? -134 .- dolmar 5440.13 () 478 shell thuraya rlc danfoss datamax -