Abstract: A system and method for tracking user patterns, getting debug information from retail devices in use, and gathering data automatically into a central location where it is processed automatically. Information pertaining to the state of the system at the time a failure occurred on a mobile device is accessible by a developer in a disconnected mode. In addition, usage patterns are ascertainable from the data gathered.

Abstract: A system and method for implicit synchronization of user interface automation code with code of a computer program. A synchronization API is called that hooks into the message-queue of windows corresponding to the user interface. The synchronization API returns when the relevant threads corresponding to the windows and other system activities indicate that the message-queues are empty. The empty message-queues indicate that the user interface is idle and that the automation code may process its next action.

Abstract: An electronic instrument is created in a computer-based method for effecting a transfer of funds from an account of a payer in a funds-holding institution to a payee. The electronic instrument includes an electronic signature of the payer, digital representations of payment instructions, the identity of the payer, the identity of the payee, and the identity of the funds-holding institution. A digital representation of a verifiable certificate by the institution of the authenticity of the instrument is appended to the instrument. This enables a party receiving the instrument, e.g., the payee or a bank, to verify the authenticity of the account or account holder. The invention may be generally applied to any financial electronic document.