Usually when a method accepts a file, there’s another method nearby that accepts a stream. If this isn’t the case, the API is badly coded. Otherwise, you can use temporary files, where permission is usually granted in many cases. If it’s applet, you can request write permission.
An example:
try {
// Create temp file.
File temp = File.createTempFile("pattern", ".suffix");
// Delete temp file when program exits.
temp.deleteOnExit();
// Write to temp file
BufferedWriter out = new BufferedWriter(new FileWriter(temp));
out.write("aString");
out.close();
} catch (IOException e) {
}