Abstract: Methods are disclosed for a digital escrow service for an electronic transfer, where the transfer is completed based on the geographic location of the sender or receiver. The method includes obtaining information representative of a geographic area, initiating an electronic transfer, determining whether or not at least one of the sender and the receiver is located within the geographic area and executing the electronic transfer based on whether it is determined that at least one of the sender and receiver is located within the geographic area. As an enhancement, the method may include processing a transaction between a plurality of senders and a receiver.

Abstract: Using machine-controlled web navigation and machine learning, each of a composite knowledge base of service components and a composite service catalog are created. The composite knowledge base is defined by features that are offered, and how the respective service component connects and exchanges data with other service components. The composite service catalog includes identified available implementations of the service components. Using machine-based application of machine-learned knowledge created within the composite knowledge base and the composite service catalog, the service component definitions are applied to a service solution under development to identify at least one service component usable to provide a technological improvement of the service solution under development. A service technology improvement report is outputted that details the technological improvement of the service solution under development provided by the identified at least one service component.

Abstract: A method of operating a test in a test environment comprises running the test, detecting the generation of events during the test and for each detected event, populating one or more result buckets according to one or more validation routines. Each validation routine defines a result to add to a result bucket according to a characteristic of the detected event. Once the test is completed, or during the running of the test, one or more test scenarios are run against the result buckets, with each test scenario returning an outcome according to one or more algorithms processing the results in the result buckets. In a preferred embodiment, the populating of the one or more result buckets is according to validation routines that populate a matrix of result buckets, each result bucket being populated during a specific time period.