Abstract: A backup account recovery authentication of last resort using social authentication is described. The account holder requests trustees who have been previously identified to obtain an account recovery code. The account recovery system sends a communication to the trustee for information to verify the trustee as one of the previously identified trustees. The account recovery system then may transmit a link and code with instructions for the trustee to return the link. The account recovery system then transmits a situational query to the trustee to provide additional security. Finally, if all the communications have been completed for the required level of security, the account recovery code is transmitted to the trustee. The trustee sends the account recovery code to the account holder for access to an account.

Abstract: Techniques to provide evidence-based dynamic scoring to limit guesses in knowledge based authentication are disclosed herein. In some aspects, an authenticator may receive an input from a user in response to a presentation of a personal question that enables user access to a restricted resource. The authenticator may determine that the input is not equivalent to a stored value, and thus is an incorrect input. The authenticator may then determine whether the input is similar to a previous input received from the user. A score may be assigned to the input. When the input is determined to be similar to the previous input, the score may be reduced. Another request for an input may be transmitted by the authenticator when a sum of the score and any previous scores of the session is less than a threshold.

Abstract: A processing apparatus calculates and applies calibrations to sensors that produce quasi-sinusoidal, quadrature signals, using fixed or programmable electronic circuits, a circuit to calculate the phase and magnitude corresponding to the two input (quadrature) signals, and a circuit for accumulating the number of cycles of the input signals. The apparatus also includes a circuit to generate Gain, Offset, and Phase calibration coefficients by comparing a phase space position of a measured phasor with the position of an idealized phasor whose locus in phase space is a circle of predetermined radius with no offset. The calculation of the coefficients occurs without user intervention, according to a pre-programmed rule or rules.

Abstract: A processing apparatus calculates and applies calibrations to sensors that produce quasi-sinusoidal, quadrature signals, using fixed or programmable electronic circuits, a circuit to calculate the phase and magnitude corresponding to the two input (quadrature) signals, and a circuit for accumulating the number of cycles of the input signals. The apparatus also includes a circuit to generate Gain, Offset, and Phase calibration coefficients by comparing a phase space position of a measured phasor with the position of an idealized phasor whose locus in phase space is a circle of predetermined radius with no offset. The calculation of the coefficients occurs without user intervention, according to a pre-programmed rule or rules.

Abstract: A processing apparatus calculates and applies calibrations to sensors that produce quasi-sinusoidal, quadrature signals, using fixed or programmable electronic circuits, a circuit to calculate the phase and magnitude corresponding to the two input (quadrature) signals, and a circuit for accumulating the number of cycles of the input signals. The apparatus also includes a circuit to generate Gain, Offset, and Phase calibration coefficients by comparing a phase space position of a measured phasor with the position of an idealized phasor whose locus in phase space is a circle of predetermined radius with no offset. The calculation of the coefficients occurs without user intervention, according to a pre-programmed rule or rules. The apparatus also includes a circuit to apply the Gain, Offset, and Phase calibration coefficients to the measured quadrature signals xi and yi according to predetermined formulae using scaling coefficients, offset coefficients and a phase coefficient.

Abstract: The disclosed electronic processing apparatus calculates and applies calibrations to sensors that produce quasi-sinusoidal, quadrature signals. The apparatus includes either or both of fixed and programmable electronic circuits. The apparatus includes a circuit to calculate the phase and magnitude corresponding to the two input (quadrature) signals. The apparatus also includes a circuit for accumulating the number of cycles of the input signals. The apparatus also includes a circuit to generate Gain, Offset, and Phase calibration coefficients, wherein the circuit compares the phase space position of the measured phasor with the position of an idealized phasor, the locus of the idealized phasor in phase space being a circle of predetermined radius with no offset. The calculation of the coefficients occurs without user intervention, according to a pre-programmed rule or rules.

Abstract: The disclosed electronic processing apparatus calculates and applies calibrations to sensors that produce quasi-sinusoidal, quadrature signals. The apparatus includes either or both of fixed and programmable electronic circuits. The apparatus includes a circuit to calculate the phase and magnitude corresponding to the two input (quadrature) signals. The apparatus also includes a circuit for accumulating the number of cycles of the input signals. The apparatus also includes a circuit to generate Gain, Offset, and Phase calibration coefficients, wherein the circuit compares the phase space position of the measured phasor with the position of an idealized phasor, the locus of the idealized phasor in phase space being a circle of predetermined radius with no offset. The calculation of the coefficients occurs without user intervention, according to a pre-programmed rule or rules.

Abstract: External or internal monitoring equipment is used to automatically determine optimal programming parameters for a CRT based on externally or internally derived measurements of cardiac performance, anisotropic myocardial deformation (AMD) or both. The ideal programming parameter, operational parameter, represents optimal interval timing between multiple electrodes within the CRT, and is generated by such a closed loop control system. The closed loop system may be semi-automatic and implement connectivity to external ultrasound equipment or externally derived measurements of transthoracic impedance. Preferably, the operational parameter is determined by a closed loop system using internally derived intracardiac and intrathoracic electrograms and impedance measurements that describe cardiac performance and electromechanical dysynchrony in real time. Such a CRT has a control system that automatically optimizes performance by a system of checks and balance.

Abstract: The disclosed electronic processing apparatus calculates and applies calibrations to sensors that produce quasi-sinusoidal, quadrature signals. The apparatus includes either or both of fixed and programmable electronic circuits. The apparatus includes a circuit to calculate the phase and magnitude corresponding to the two input (quadrature) signals. The apparatus also includes a circuit for accumulating the number of cycles of the input signals. The apparatus also includes a circuit to generate Gain, Offset, and Phase calibration coefficients, wherein the circuit compares the phase space position of the measured phasor with the position of an idealized phasor, the locus of the idealized phasor in phase space being a circle of predetermined radius with no offset. The calculation of the coefficients occurs without user intervention, according to a pre-programmed rule or rules.

Abstract: Systems and methods are provided that use voting rights to make decisions and to trigger a transaction in response to that decision. To this end, the systems may provide a site capable of allowing individuals in the group to vote for one of a plurality of decisions. The votes are tallied to identify the decision of the group. Program logic executes to process the election result to determine a transaction authorized by the group, and executing program logic, in response to the determination of an authorized transaction, to perform the transaction authorized by the group. In one particular application of these technologies, the systems operate as investment clubs that may be associated with a brokerage firm. Specifically, a brokerage firm may provide to its existing customers a platform for setting up an investment club wherein individuals may go on-line, open an account with the brokerage service and set up an on-line investment club.