Individual risk profiling for portable devices using a neural network to process the recording of 30 successive pairs of cognitive reaction and emotional response to a multivariate situational risk assessment

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 user through the portable device; the user information is directly captured through the device and is processed by artificial neural network; and the tridimensional user 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.