Abstract: Two digital files are combined through an automatic process to create a third digital combination file. A media file is uploaded to a media file database and an advertising file is uploaded to an advertising database. A first advertising file is selected to be combined with a second media file using smart logic and analysis. The selected first advertising file and second media file are automatically combined to create a third, new, unitary combination file. The third new combination file is then made available to consumers/end users through download or streaming without charge. The artists who provide the media files may be compensated according to the number of times each of their songs/media are downloaded or streamed by a consumer/end user.

Abstract: A system and method for analyzing, dispositioning, recording, reviewing, and managing potentially suspicious financial transactions. In some cases, the system models the steps taken by a subject matter expert to reach a conclusion so that a novice can follow similar steps and have the system generate a narrative of the steps taken and the conclusion that was reached.