Abstract: The invention comprises online methods, systems, and software for improving the processing of payments from financial accounts, particularly credit and debit card payments made from consumers to merchants in online transactions. The preferred embodiment of the invention involves inserting a trusted third party online service into the payment authorization process. The trusted third party authenticates the consumer and authorizes the proposed payment in a single integrated process conducted without the involvement of the merchant. The authentication of the consumer is accomplished over a persistent communication channel established with the consumer before a purchase is made. The authentication is done by verifying that the persistent channel is open when authorization is requested.

Abstract: The invention comprises online methods, systems, and software for improving the processing of payments from financial accounts, particularly credit and debit card payments made from consumers to merchants in online transactions. The preferred embodiment of the invention involves inserting a trusted third party online service into the payment authorization process. The trusted third party authenticates the consumer and authorizes the proposed payment in a single integrated process conducted without the involvement of the merchant. The authentication of the consumer is accomplished over a persistent communication channel established with the consumer before a purchase is made. The authentication is done by verifying that the persistent channel is open when authorization is requested.

Abstract: This invention pertains to a method, system, on-line service and software for on-line e-commerce. One preferred embodiment of the invention is a method, system, and on-line service, offered on a public network such as the Internet, for mediating a buyer's interaction with a first seller chosen by the buyer by observing when the buyer has indicated the intent to purchase an item at a first purchase price, seeking to obtain the item from alternative sellers at a lower price and obtaining one or more alternative bids, comparing the one or more alternative bids and the first purchase price according to pre-established rules, selecting a best offer, and completing the purchase of the best offer without further intervention of the buyer.

Abstract: A device for applying stimuli to a subject for therapeutic purposes utilizing an audio source producing a selected audio tone. An audio speaker delivers the audio stimulus to the left and right ears of the subject in an alternating manner, such that the sounds may be heard in either of the ears or may be heard in both of the ears in sequential fashion. Visual or tactile stimuli may be delivered to a subject singularly or simultaneously with the audio stimulus.

Abstract: A device for stimulating eye movement in a subject utilizing a hand held screen which is capable of displaying a multiplicity of visual elements. A power source illuminates the multiplicity of visual elements according to a particular selection of a visual pattern. Once selected, the visual pattern is executed and displayed by sequentially illuminating adjacent visual elements constituting groups of visual elements. The illuminated element form a cyclic pattern for scanning by the subject.