Individual risk profiling for portable devices using a neural network to process the cognitive reactions and the emotional responses to a multivariate situational risk assessment

TL;DR

This paper introduces a portable neuropsychological testing system that uses neural networks to analyze cognitive and emotional responses during situational risk assessments for various practical applications.

Contribution

It presents a novel portable device and cloud-based system that captures and processes multidimensional user reactions for risk profiling using neural networks.

Findings

Effective multivariate risk assessment through neural network analysis.

Successful integration of cognitive, emotional, and chronometric data.

Potential applications in banking, insurance, and security authentication.

Abstract

In this paper, we are presenting a novel method and system for neuropsychological performance testing that can establish a link between cognition and emotion. It comprises a portable device used to interact with a cloud service which stores user information under username and is logged into by the user through the portable device; the user information is directly captured through the device and is processed by artificial neural network; and this tridimensional information comprises user cognitive reactions, user emotional responses and user chronometrics. The multivariate situational risk assessment is used to evaluate the performance of the subject by capturing the 3 dimensions of each reaction to a series of 30 dichotomous questions describing various situations of daily life and challenging the user's knowledge, values, ethics, and principles. In industrial application, the timing of this assessment will depend on the user's need to obtain a service from a provider such as opening a bank account, getting a mortgage or an insurance policy, authenticating clearance at work or securing online payments.