Abstract: An international funds transfer system for transferring monetary funds between various countries and currencies. The funds transfer system includes a customer interface system that allows a remitter to create, validate and initiate a remittance transaction A host computer system is in communication with the customer interface system The host computer system is adapted to receive the remittance transaction from the customer interface system and to transmit the remittance transaction to an originating financial institution financial system and a receiving financial institution financial system. The originating financial institution transmits the funds to the receiving financial institution.

Abstract: An apparatus for degerminating fluids by the use of an electrolytic cell, a pair of main electrodes opposed in the electrolytic cell to each other, a voltage source connected to the main electrodes, and a plurality of auxiliary electrodes disposed between the main electrodes. The main electrodes are biased in such a way that the fluid flows through a region of varying potential thereby effectively increasing the degerminating rate of the cell. The main electrodes cover the entire cross section of flow, they are provided with openings to allow the passage of the fluid. The auxiliary electrodes may be connected to parts of the overall voltage thereby providing an electrolytic cell which may be directly powered by solar energy.