Patent ID: 8150748

Claim:
A machine-readable medium having machine executable instructions for providing benefits to a user contained therein, the machine-executable instructions performing the following operations: receiving a funds transfer transaction request, the funds transfer transaction request including a plurality of payment sources, wherein funds from each payment source are used in the funds transfer transaction request; selecting a software object from a plurality of software objects in a software object store using an external system providing the funds transfer request, wherein at least one of the plurality of software objects is a robust software object, the robust software object configured to call one or more other software objects to provide for a transfer of funds between two or more external systems and to control the additional software objects; retrieving from a software object data store the executable software object from the plurality of software objects based on the funds transfer transaction request, the plurality of software objects configured to initiate and produce an interface with an external system for the plurality of payment sources and for a specific funds transfer request; executing the software object retrieved from the software object data store to setup the interface with the external system; wherein each of the plurality of software objects is an abstracted interface object configured to receive a standardized set of data items and translate the standardized set of data items into instructions intended to cause the external system to perform operations intended to complete the transfer transaction request; performing a funds transfer defined by the funds transfer transaction request using the interface setup by the executed software object; and terminating the executed software object.