200 a 200 b 200 c 200 d by the in specific adaptor 106 a 106 b 106 c 106 d respectively for that platform in alternate embodiments replies from the in platform 200 may also handled by the adaptor 106 said in adaptor 106 is responsible for executing any login and authorization required by the in platform 200 prior to sending requests thereof although the in specific adaptor 106 remains dependent upon the details of the vendor provided in platform 200 among the various embodiments and workings of the adaptor 106 the following four 4 non limiting instantiations have been distilled merely for the purposes of illustration and are indeed not intended to affect or dilute the intent and scope of the present invention as practitioners skilled in the art shall recognize the non real time machine readable record based interface generates a written communications record in a in platform specific format for each transaction request which has been passed to the in adaptor 106 a by the queuing module 105 the communications records are then collated and fed into the in platform 200 a on a non real time basis to be processed a real time tcp ip based in adaptor 106 b interfaces with the in platform 200 b via a defined tcp ip connection the precise protocol employed is.