Abstract: A data processing system coupled to a rules database and a customer database is responsive to transaction requests representative of money transfers. The rules database includes information representative of transaction rules such as location-based rules, transaction type-based rules, customer-based rules, aggregated transaction value rules and currency exchange rules, at least some of which include an aggregation threshold. The system processes the transaction requests during transaction processing sessions to enable enforcement of governmental money transfer compliance requirements. Responses including requests for additional information, approvals and denials are provided by the system.

Abstract: An improved money transfer system includes a rules database, a customer database, and a transaction processing system. The rules database includes information representative of transaction rules, at least some of which include an aggregation threshold. The customer database includes information representative of customers' transaction histories. The transaction processing system is connected to the rules database and customer database and includes point of entry ports, a customer identifier, a rules coordinator, an aggregation engine, and a transaction rules service. The point of entry ports receive transaction requests from points of entry and provide transaction responses to the points of entry. Based on information received in transaction requests, the customer identifier identifies customers and the rules coordinator determines applicable transaction rules. The aggregation engine determines aggregation values as a function of customers' transaction histories.