Abstract: A method includes electronically receiving at a user device of a second party a digital promise to pay a certain amount of money in exchange for goods or services from the second party, the digital promise to pay being generated by a user device of a first party; electronically sending a request from the user device of the second party to a user device of a third party to electronically transfer the digital promise to pay to the user device of the third party in exchange for goods or services from the third party. Sending the request includes sending at least one set of preferences defined at least by the first party. The method further includes electronically receiving at the user device of the second party from the third party one of an acceptance or a rejection of the request to transfer the digital promise to pay.

Abstract: A method includes electronically receiving at a user device of a second party a digital promise to pay a certain amount of money in exchange for goods or services from the second party, the digital promise to pay being generated by a user device of a first party; electronically sending a request from the user device of the second party to a user device of a third party to electronically transfer the digital promise to pay to the user device of the third party in exchange for goods or services from the third party. Sending the request includes sending at least one set of preferences defined at least by the first party. The method further includes electronically receiving at the user device of the second party from the third party one of an acceptance or a rejection of the request to transfer the digital promise to pay.

Abstract: A method includes electronically receiving at a user device of a second party a digital promise to pay a certain amount of money in exchange for goods or services from the second party, the digital promise to pay being generated by a user device of a first party; electronically sending a request from the user device of the second party to a user device of a third party to electronically transfer the digital promise to pay to the user device of the third party in exchange for goods or services from the third party. Sending the request includes sending at least one set of preferences defined at least by the first party. The method further includes electronically receiving at the user device of the second party from the third party one of an acceptance or a rejection of the request to transfer the digital promise to pay.

Abstract: Embodiments include methods, and computer program products for matching candidates and job positions using cognitive computing. Aspects include: collecting candidate information of certain candidates and job information of certain job openings from various information sources, creating one candidate document for each of the candidates and storing the candidate document created in a candidate database, and creating one job document for each of the job openings and storing the job document created in a job database, extracting certain cognitive features from each of candidate documents in the candidate database, and each of the job documents in the job database using cognitive computing; and matching the candidates in the candidate database with the job openings in the job database by ranking the extracted cognitive features and cognitive computing. The extracted cognitive features may include a list of personality traits and a list of concepts.

Abstract: A method includes electronically receiving at a user device of a second party a digital promise to pay a certain amount of money in exchange for goods or services from the second party, the digital promise to pay being generated by a user device of a first party; electronically sending a request from the user device of the second party to a user device of a third party to electronically transfer the digital promise to pay to the user device of the third party in exchange for goods or services from the third party. Sending the request includes sending at least one set of preferences defined at least by the first party. The method further includes electronically receiving at the user device of the second party from the third party one of an acceptance or a rejection of the request to transfer the digital promise to pay.