Abstract: A system and method for allowing funds to be transferred instantly to an account so that the funds are available to the beneficiary at the time they are sent, based on customer information which can be automatically accessed by the system, rather than needing to be manually entered. Further, the system automatically computes the appropriate exchange rate and any fees to be charged to the account and displays them to the user so that the user may authorize or cancel the transaction. They system also analyzes the parameters of the transfer to assure that the transfer conforms with pertinent government regulations. The system also enables the user to quantify the amount to be transferred in the currency of the originating account or the currency of the receiving account, thereby maximizing the flexibility of the system. The system further is designed so that it can be understood and accessed by individuals having no special expertise in computers, wire transfers and the like.

Abstract: A relational to object mapping system and method permit the transfer and translation of data between a database server having a relational database and an object-oriented apparatus. The object code, such as C++, is translated by a generator object into suitable relational database statements, such as structured query language (SQL). The SQL statement is passed to a query object which executes the statement. In executing the SQL statement, the query object accesses an environment object which supplies the query object with appropriate connection objects for establishing a link between the query object and the database server. The database server supplies the requested data from the relational database to the query object which then stores the data in a storage buffer. The object-oriented apparatus can then access the data from the storage buffer. The query object may activate a transaction object for processing the data before the data is accessed by the object-oriented apparatus.

Abstract: A system and method for allowing telephone-based interactive performance of financial transactions in multiple languages. The system prompts the customer of a financial institution in various languages until the customer's language and home country are identified. The system then connects the customer telephonically with a representative who speaks the customer's language and who can authorize the transaction by accessing the customer's records. Authorization by the local representative and record keeping are also provided.