the present invention , referred to as “ real - time semci ”, uses two emerging acord standards : the web transaction interface ( wti ) and the xml insurance and surety service specification . the wti enables companies to conduct transactions with agents over the web instead of via relatively expensive private networks . the xml insurance and surety service specification defines a set of industry - standard business transactions . in the explanation that follows , it is assumed that al3 files originate with a carrier &# 39 ; s system and xml files originate with a carrier &# 39 ; s trading partner . the present invention operates to translate one into the other and vice versa . referring now to the figures , like references identify like elements of the invention . as set forth , al3 is an insurance industry standard file format , a sample of which appears in text form in the computer program listing appendix , part of which is reproduced as listing 1 as follows : note that to improve readability of the hierarchy , line breaks have been added between data groups to visually set them off from each other and that the data group names and processing levels have been highlighted . of course , highlighting and line breaks do not exist in the normal al3 file format . the three digits that follow the data group name determine the actual length of each data group ( e . g . 1 mhg data group is 161 characters long , 2trg is 201 , for example ). any reference to any listing throughout the specification herein signifies that the same result or effect occurs as when applied to the entire corresponding listing as appears in the computer program listing appendix . listing 1 illustrates a text form of an al3 file format . listing 2 illustrates the data of the al3 file format of listing 1 organized according to a preferred form of the invention . listing 3 illustrates a style sheet utilized according to a preferred form of the invention ; and listing 4 illustrates the data of listing 1 in an xml file format organized according to a preferred form of the invention . referring still to listing 1 , the formats are determined in advance based upon what kind of data the file will contain . representative information contains data regarding by way of example , billing , new policy generation and inquiries regarding cancellation . the data format follows a hierarchy as indicated in fig2 a and 2 b , with a more detailed illustration of a hierarchy for a business owners policy being provided in fig2 b . as is well understood by those possessing an ordinary skill in the pertinent art , the acord al3 format is based on data elements , data groups and hierarchies . an acord data element is the smallest piece of data collected and stored . data groups are logical collections of data elements . hierarchies are used to establish a logical relationship of data groups to one another . in the hierarchy labeled 220 in fig2 a , each level is associated with the level immediately preceding it . for example , a location group 224 is associated with a policy group 223 , a risk group 225 is associated with a location group and so on ( e . g . coverage group 226 ). if needed , “ dummy ” groups are created to preserve the hierarchy . for sake of explanation the following discussion will follow a transaction which originates in a mainframe or other processing system such as that illustrated in fig1 . the text of listing 1 is a typical acord standard representation ; in this instance for illustration an al3 file delimited by the 1 mhg and 3mtg data groups 200 , 230 as shown in fig2 a . between delimiter data groups 200 and 230 , the transaction sequence begins with data group 210 , and transaction hierarchy 220 , and proceeds with the next transaction data group 210 ′ and next transaction hierarchy 220 ′. the al3 file of listing 1 contains one transaction that begins with the 2trg and 2tcg data groups 210 as shown in fig2 a . still referring to listing 1 , the text thereof indicates that acord data group 5bis ( shown as 222 in fig2 a ) follows . this data identifies the basic insured information related to this specific policy and other data as is well understood by those possessing ordinary skill in the pertinent art . referring now also to fig1 , the first step is to retrieve an al3 file , such as that illustrated in listing 1 and discussed hereto , from the mainframe or other processing system computer 106 via a message server 105 . the next step is to translate the al3 file retrieved data and organize it utilizing programming techniques well known by those skilled in the art of programming to translate and organize data , referred to herein as a faux file generator application running on the application server 103 , such as is illustrated in the computer program listing appendix part of which is reproduced as listing 2 as follows : the faux file generator application organizes or retranslates the acord file listing 1 into an intermediary file format such as that illustrated in the computer program listing appendix part of which is reproduced as listing 2 above ( referred to as faux file 3 herein for sake of explanation ) that can be read by a function that converts it to xml format . xsl style sheet to transform a bop quote response from a ″ faux ″ al3 stream to xml . listing 2 illustrates the organization or ordering , e . g . parsing , of the al3 file into a new kind of list which is referred to as a faux file 3 , as exemplified by listing 3 noting the references to 1mhg , 2trg , 2tcg , and 5bis . the data of the faux file 3 as exemplified by listing 2 is then translated into an acord xml for insurance and surety service or other suitable tagged language as is shown in computer program listing appendix , part of which is reproduced as listing 4 below . preferably , the process looks at each al3 transaction , which begins with a 2trg header . fig2 a and 2 b show the hierarchical representation of the data in listing 1 . an xml stylesheet such as that illustrated in listing 3 above is preferably used to translate the faux file as exemplified by listing 2 to the xml file as exemplified by listing 4 so that it contains the correct xml file format and accompanying data . there are preferably as many style sheets as there are “ kinds of transactions ” to translate . the xml file as exemplified by listing 4 is then passed to web server 102 ( see fig1 ) and is transmitted over the internet 107 and received remotely , presumably by an agency system 101 of an agent of the insurance company utilizing conventional methodology . the process is transitive or bi - directional in that an xml format file generated at an agency system 101 will be decoded or translated using a style sheet into a faux file and then translated into the al3 file format before being sent to the mainframe or other processing system computer 106 . referring now also to fig3 , at the start of the process 310 , xml request transactions are received from computer 101 ( e . g . agency system , application service provider , insurance portal ) of fig1 and converted 320 to pseudo al3 request transactions , or faux files , by applying a stylesheet , such as an xsl stylesheet . the data from the created faux file is then translated 330 into al3 ( including removing xml tags ) and delivered 340 to the mainframe 106 or other processing system 106 . al3 response transactions are generated by the processing system and are returned to the translation process 350 . al3 response files are converted 360 into pseudo al3 response transactions , or faux files ( including adding xml tags ). the data from the faux file is then translated 370 into xml formatted files using a style sheet . the xml file can then be transmitted 380 to suitable processor devices using the internet and the process exited . for sake of completeness , and referring again to fig3 and a preferred embodiment of a system for implementing the present invention shown in fig1 , mainframe 106 or other processing systems 106 are electronically communicable with message servers 105 . the message servers 105 are conventionally communicable with application servers 103 . application servers 103 perform the translating of al3 files to the faux file 3 format and apply the stylesheets listing 4 to code the faux files 3 in xml format . the application servers 103 are conventionally communicable with web servers 102 , which are conventionally communicable with agency computers 101 , via a suitable communications medium such as the global interconnection of computers and computer networks commonly referred to as the internet . directory servers 104 are also preferably utilized and are communicable with application servers 103 . although the invention has been described and pictured in a preferred form with a certain degree of particularity , it is understood that the present disclosure of the preferred form , has been made only by way of example , and that numerous changes in the details of construction and combination and arrangement of parts may be made without departing from the spirit and scope of the invention as hereinafter claimed . it is intended that the patent shall cover by suitable expression in the appended claims , whatever features of patentable novelty exist in the invention disclosed .