Abstract: In one embodiment, a head-mounted display device comprises an augmented reality display, a camera positioned to capture images of at least one eye of the user at different times, an ambient light sensor, a speaker, and one or more processors that process the images to determine a change in size of at least one pupil of the user independent of a change in output from the ambient light sensor, determine at least one of an eye microsaccade amplitude, an eye microsaccade frequency, an eye gaze direction, and vergence, and provide a form of audio alert signal or a form of display alert signal when the change in size of at least one pupil indicates constriction or dilation and the eye microsaccade amplitude passes an eye microsaccade amplitude threshold, the eye microsaccade frequency passes an eye microsaccade frequency threshold, the eye gaze direction changes, or the vergence changes.

Abstract: In one embodiment, a method of generating a risk score, a cost of insurance, or a risk score and a cost of insurance for at least one individual comprises directly monitoring or inferring the risk-related decision-making processes and directly monitoring the resulting decision outcomes for decisions. The method may further comprise correlating risk-related decision-making processes and the decisions with the resulting decision outcomes. In another embodiment, the method further comprises building cognitive maps for one or more individuals, acquiring contextual data related to the decisions, or prospectively determining a probability of outcome for a risk-related situation using the one or more cognitive maps. In one embodiment, the insurance is automobile insurance and data is obtained through telematics and/or a portable device.

Abstract: In one embodiment, a method of evaluating vehicle operation performance comprises obtaining first information correlating to the movement of a vehicle; obtaining second information different from the first information correlating to the movement of a portable device relative to the vehicle; and correlating the first information with the second information to evaluate the vehicle operation performance by an operator of the portable device during use of the portable device while operating the vehicle. In another embodiment, the information correlating to the movement of the vehicle is correlating to the use of one or more software applications or the use of one or more functional features of a portable device by an operator of the portable device while operating the vehicle.

Abstract: In one embodiment a system for determining a level of risk associated with an individual for underwriting purposes comprises at least one sensor that provides information, such as a camera providing one or more images or video for example, used to determine one or more properties of the individual. The individual information, such as eye related information, can be processed to generate cognitive information for the individual, which can be used to determine the level of risk associated with the individual. The cognitive information can be compared to baseline cognitive information for the individual to determine the level of risk. In another embodiment, a method for determining a level of risk or price of insurance includes obtaining information from a sensor, generating cognitive information from the sensor information, and generating a level of risk or price of insurance using at least the first cognitive information.

Abstract: In one embodiment, a method of evaluating vehicle operation performance comprises obtaining first information correlating to the movement of a vehicle; obtaining second information different from the first information correlating to the movement of a portable device relative to the vehicle; and correlating the first information with the second information to evaluate the vehicle operation performance by an operator of the portable device during use of the portable device while operating the vehicle. In another embodiment, the information correlating to the movement of the vehicle is correlating to the use of one or more software applications or the use of one or more functional features of a portable device by an operator of the portable device while operating the vehicle.