Patent ID: 7953662

Claim:
A computer-implemented method for providing user access to international account products on a network, comprising: deploying a plurality of local terminals within each of a plurality of pre-defined business regions of a financial institution with at least one front-end processor as exclusive arbitrator of transaction acceptance and fulfillment for each of said plurality of local terminals within each of said business regions, each of said local terminals sharing a common interface with the front-end processors for all of said business regions; identifying by a computer process executing on one of the local terminals within one of said business regions a non-local user account type based on a user's input received at said one of the local terminals and establishing by the computer process a real-time interactive session directly between the user at said one of the local terminals and said at least one front-end processor for said one of said business regions via said common interface; receiving by said at least one front-end processor via said common interface the user's selection of a language from a list of language options presented for the user at said one of the local terminals by said at least one front-end processor via said common interface; receiving by said at least one front-end processor via said common interface the user's entry at said one of the local terminals of an access code in response to a prompt of the user for the access code in said selected language at said one of the local terminals by said at least one front-end processor via said common interface and verifying by said at least one front-end processor said entered access code; receiving by said at least one front-end processor via said common interface the user's entry at said one of the local terminals of a selection of a transaction from a list of transactions in the selected language consisting of a set of user transactions that is common to each of said business regions presented for the user at said one of the local terminals by said at least one front-end processor via said common interface; and interactively performing by said at least one front-end processor via the common interface the selected transaction in the selected language for the user at said one of the local terminals.