Abstract: Apparatus, systems and methods for receiving signals from a human subject's head includes a headset having a plurality of electroencephalographic “(EEG”) electrodes associated therewith for facilitating receiving EEG signals from the subject's head and at least one ear clip configured to be releasably secured to the subject's ear(s).

Abstract: A method for conducting a financial transaction can be used by a person using a mobile device to conduct the transaction. The mobile device receives information related to the person that can be used for authentication purposes, such as a PIN or biometric data. The mobile device then authenticates the person by verifying the information received. If the person is authenticated, the transaction is completed using the mobile device, and if the person is not authenticated, the transaction is prevented.

Abstract: A coherence value or category for an animal subject is calculated, and a corresponding coherence indication is provided to a human subject. In one embodiment, the beat-to-beat changes in the animal subject's heart rate is monitored, and used to calculate a coherence value, which may be representative of a coherence category. The coherence value may be determined by the power distribution of the heart rate variability data for the animal subject. In another embodiment, the degree of synchronization between an animal subject's coherence and an associated human subject's coherence may be determined and provided as feedback.

Abstract: A method for conducting a financial transaction can be used by a person using a mobile device to conduct the transaction. The mobile device receives information related to the person that can be used for authentication purposes, such as a PIN or biometric data. The mobile device then authenticates the person by verifying the information received. If the person is authenticated, the transaction is completed using the mobile device, and if the person is not authenticated, the transaction is prevented.

Abstract: Embodiments of the present invention relate to systems, methods and computer program products for evaluating customers' ability to manage revolving credit. To do so, for example, embodiments of the present invention review aggregated transaction data taken from a large number of revolving-credit accounts, and detect credit-usage patterns at an account level. The detected credit-usage patterns are then applied in risk models to evaluate individual customers' ability to manage revolving credit.

Abstract: A method for conducting a financial transaction can be used by a person using a mobile device to conduct the transaction. The mobile device receives information related to the person that can be used for authentication purposes, such as a PIN or biometric data. The mobile device then authenticates the person by verifying the information received. If the person is authenticated, the transaction is completed using the mobile device, and if the person is not authenticated, the transaction is prevented.

Abstract: The EEG Processing Unit comprises a semi-rigid framework which substantially conforms to the Patient's head and supports a set of electrodes in predetermined loci on the Patient's head to ensure proper electrode placement. The EEG Processing Unit includes automated connectivity determination apparatus which can use pressure-sensitive electrode placement ensuring proper contact with Patient's scalp and also automatically verifies electrode placement via measurements of electrode impedance through automated impedance checking. Voltages generated by the electrodes are amplified and filtered before being transmitted to an analysis platform, which can be a Physician's laptop computer system, either wirelessly or via a set of tethering wires. The EEG Processing Unit includes an automatic artifacting capability which identifies when there is sufficient clean data compiled in the testing session. This process automatically eliminates muscle- or other physical-artifact-related voltages.

Abstract: Systems, methods and consumer-readable media for using multi-scale customer and transaction clustering and visualization according to the invention have been provided. Systems and methods according to the invention may use program code to obtain customer transaction data and categorize obtained customer transaction data. The systems and methods may also analyze the categorized customer transaction data in order to identify patterns among the data. The systems and methods may also use the identified patterns to isolate a selected number of behavioral factors and group customers into population segments based on the behavioral factors.

Abstract: A method for conducting a financial transaction involves a person using a mobile device. The mobile device accesses information regarding the proposed financial transaction and determines, based on that information, whether the proposed transaction is permissible according to pre-set preferences associated with the person. Some of these preferences may be controllable by the person, and other preferences may be only partially controllable or not controllable by the person. The proposed transaction is denied if it is determined not to be permissible, and the proposed transaction is allowed if it is determined to be permissible. If the transaction is denied, the person may be presented with the option of changing the preferences, and authentication may be necessary to do so.

Abstract: Information related to a person can be processed and monetized according to several methods. The person is provided control over monetization of information that is related to him or her. This information may be received and stored by a storage entity, such as an information bank. Upon confirmation of a purchase agreement between the person and a purchaser, the information is made available to the purchaser, and the person receives value in exchange for the information. The information may be collected and stored for later bulk or incremental monetization at the control of the person.

Abstract: A method for conducting a financial transaction can be used by a person using a mobile device to conduct the transaction. The mobile device receives information related to the person that can be used for authentication purposes, such as a PIN or biometric data. The mobile device then authenticates the person by verifying the information received. If the person is authenticated, the transaction is completed using the mobile device, and if the person is not authenticated, the transaction is prevented.

Abstract: A coherence value or category for an animal subject is calculated, and a corresponding coherence indication is provided to a human subject. In one embodiment, the beat-to-beat changes in the animal subject's heart rate is monitored, and used to calculate a coherence value, which may be representative of a coherence category. The coherence value may be determined by the power distribution of the heart rate variability data for the animal subject. In another embodiment, the degree of synchronization between an animal subject's coherence and an associated human subject's coherence may be determined and provided as feedback.

Abstract: The invention includes associated systems and methods for managing a patient's biological data and providing a data interpretation tool for the biological data via a network. One aspect of an embodiment of the invention includes a method comprising providing at least one indicator variable associated with a portion of a patient's biological data, comparing the at least one indicator variable to data associated with an artifacting standard, determining a reliability measure based on at least the comparison between the at least one indicator variable and data associated with the artifacting standard, and providing a reliability indicator based in part on at least the reliability measure.

Abstract: The invention includes systems and methods for managing a patient's biological data and providing a data interpretation tool for the biological data via a network. An exemplary system and method includes collecting biological data from a patient; transmitting a portion of the biological data through the network to a storage device; determining at least one potential indicator variable associated with the patient's biological data; comparing the at least one potential indicator variable associated with the patient's biological data to a standardized set of data associated with a health condition; based upon the comparison, selecting at least one indicator variable; and generating a report including the indicator variable and at least one data interpretation tool to a health care provider associated with the patient.

Abstract: A data acquisition control method and system for alphanumeric character recognition. An unknown pattern is normalized, the normalized pattern is then divided into top and bottom parts. A center of mass is calculated for the two parts and is utilized for vertically aligning the unknown pattern. The vertically aligned pattern is width normalized and feature vectors are obtained. The feature vectors of the unknown pattern are then compared with feature vectors of known patterns stored in memory and the characters are identified.