Abstract: A flexible witness service system architecture is provided that comprises one or more cluster sites each having at least two storage/compute nodes; at least one local external device associated with at least one of the one or more cluster sites, the at least one local external device configured to run a local witness service. A central cloud management platform is in communication with the one or more cluster sites, the central cloud management platform being configured to run a cloud witness service. The local witness service and the cloud witness service perform identical arbitration services if a storage/compute node in one of the one or more cluster sites fails or communication between storage/compute nodes in a cluster fails.

Abstract: A method, apparatus, and computer readable storage to implement a lending or cash advance system that can be (but is not required to be) integrated with an online commerce site. Sellers on the online commerce site can click a button or tab in their web browser that is visiting the online commerce site and information known to the online commerce site is automatically shared with a potential cash provider. Data from a delivery service can be automatically retrieved by the cash provider/cash server in order to determine the volume of shipments that the seller has been making. This volume can be used when the cash server determines the seller's score in order to evaluate an application for cash.