Abstract: A method and device for treating tinnitus and/or hearing impairment of a user at bedtime includes providing an audio stimulus to the user using a parametric array speaker. Some embodiments treat tinnitus by removing a frequency notch corresponding to the user's tinnitus frequencies from the audio signal. The audio signal may be ambient sound detected by a microphone, or may be a prerecorded file which may comprise noise or other audio such as audiobooks or music. Some embodiments combine treatment of tinnitus or hearing impairment with treatment for apnea, hypopnea or snoring.

Abstract: A system and method for verifying a stream of payments includes accepting a request for verification and, optionally, supporting documentation relating to the payments from a user such as a consumer and transmitting the request and the supporting documentation to a verifier who is unknown to the consumer at the time the request is made. The verifier directly contacts the payee to verify the payment stream. If the verifier indicates that the payment stream has been verified, the consumer is notified and given the opportunity to designate a third party recipient to whom the verification will be sent.