Appeal No. 2001-2696 Application No. 08/950,230 transaction needs in a particular environment such as the need for cash in a financial environment. The behavior of the agents, which interact with each other and with their environment, is compared with actual human behavior and the best matched agents are selected. A computer simulation is repeated until the required level of comparison with real human behavior is reached. Claim 1 is illustrative of the invention and reads as follows: 1. A method of generating a model of customer behavior in a transaction environment comprising the steps of: (a) selecting a software development tool incorporating at least one artificial life algorithm and capable of constructing a plurality of agents each having at least one drive; (b) defining at least one drive for each agent which is matched to a transaction-related need; and (c) genetically encoding the defined drives. The Examiner relies on the following prior art: Dave Cliff (Cliff), Where Creatures Came From: A review of research literature relevant to CyberLifeTM technology, prepared for NCR Financial Systems Ltd, pp. 1-46 (Univ. of Sussex, Brighton, United Kingdom, April 1997). 2Page: Previous 1 2 3 4 5 6 7 8 9 10 NextLast modified: November 3, 2007