Abstract: Apparatus is provided including computer memory configured to hold messages including data structures and configured data. The data structures may comprise a markup language and file format organized in accordance with a tree structure. The data structures may comprise an MX/ISO 20022 messaging format payment file for a sent or received payment. A machine learning (ML) processing circuit is provided that comprises a prediction data input and is configured to receive various messages at the prediction data input and to hold the various messages in the computer memory. The ML processing circuit comprises a message generator configured to generate messages for use in other systems, the generated messages being configured in accordance with the data structures. Per another embodiment, the machine learning processing circuit may be configured to create test messages based on the various messages held in the computer memory.

Abstract: An electromagnetic generator comprising a multilayer assembly of a first layer carrying at least one magnet, a second layer carrying at least one coil, and a third layer carrying at least one magnet, the at least one magnet of the first and third layers being configured to define therebetween a region of magnetic flux in which the at least one coil is disposed, at least one of the layers being shaped to define a respective displaceable portion thereof which is displaceable by vibration of the electromagnetic generator thereby to cause relative movement between the coil and the magnets and generate an electrical current in the coil.