WO2001061663A8 - International banking system and method - Google Patents
International banking system and methodInfo
- Publication number
- WO2001061663A8 WO2001061663A8 PCT/US2001/004892 US0104892W WO0161663A8 WO 2001061663 A8 WO2001061663 A8 WO 2001061663A8 US 0104892 W US0104892 W US 0104892W WO 0161663 A8 WO0161663 A8 WO 0161663A8
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- bank
- client
- environment
- transfer section
- provider
- Prior art date
Links
Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/04—Billing or invoicing
Abstract
La présente invention concerne un système et un procédé permettant d'offrir aux banques l'accès à une infrastructure internationale existante qui leur était inaccessible auparavant. Une banque prestataire établit d'abord sur son système un ensemble de comptes pour chaque client d'une banque cliente (environnement de la banque cliente). L'environnement de la banque cliente possède son propre module de compte à vue qui lui permet de traiter les entrées sur le compte et de calculer les intérêts, et son propre module de transfert de fonds qui lui permet d'effectuer et de recevoir des transferts de fonds. L'interface principale de la section de transfert de fonds dans l'environnement de la banque cliente assure l'interface avec la section de transfert de fonds de l'environnement de la banque prestataire. La section de transfert de fonds de la banque prestataire est couplée aux systèmes qui constituent l'infrastructure bancaire internationale capable de traiter les transactions bancaires mondiales pour les clients de la banque cliente. Un client demande à la banque cliente d'effectuer une transaction internationale particulière. La banque cliente communique alors la demande de transaction à la section de transfert de fonds de l'environnement de la banque cliente au sein du système de la banque prestataire. Dès que la section de transfert de fonds de la banque cliente a reçu la demande de transaction, elle se reporte aux comptes du client dans l'environnement de la banque cliente (par exemple, pour débiter le compte du client) et transmet ensuite un message de transaction (par exemple, un message de paiement) à la section de transfert de fonds de l'environnement de la banque prestataire. La section de transfert de fonds de la banque prestataire traite la transaction comme un paiement typique de banque correspondante sur le(s) compte(s) nostro de l'environnement de la banque cliente (par exemple un virement télégraphique de grande valeur) via l'un des systèmes de chambre de compensation. Les fonds reçus (c'est-à-dire crédités) à l'intention des comptes des clients de la banque cliente suivent ce parcours en sens inverse.The present invention relates to a system and method for providing banks with access to an existing international infrastructure previously unavailable to them. A provider bank first establishes on its system a set of accounts for each client of a client bank (environment of the client bank). The environment of the client bank has its own current account module which allows it to process account entries and calculate interest, and its own fund transfer module which allows it to make and receive transfers. of funds. The main interface of the funds transfer section in the environment of the client bank provides the interface with the funds transfer section of the environment of the provider bank. The fund transfer section of the provider bank is coupled to the systems that constitute the international banking infrastructure capable of processing global banking transactions for clients of the client bank. A client requests the client bank to carry out a specific international transaction. The client bank then communicates the transaction request to the funds transfer section of the client bank environment within the system of the provider bank. Once the client bank's money transfer section has received the transaction request, it will refer to the client's accounts in the client bank environment (for example, to debit the client's account) and then send a message transaction (for example, a payment message) to the funds transfer section of the environment of the provider bank. The fund transfer section of the provider bank treats the transaction as a typical correspondent bank payment to the nostro account (s) of the client bank environment (for example a high value wire transfer) via the 'one of the clearing house systems. The funds received (that is to say credited) intended for the accounts of the clients of the client bank follow this route in reverse.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| AU2001241506A AU2001241506A1 (en) | 2000-02-15 | 2001-02-15 | International banking system and method |
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US18246900P | 2000-02-15 | 2000-02-15 | |
| US60/182,469 | 2000-02-15 | ||
| US09/779,950 US7822656B2 (en) | 2000-02-15 | 2001-02-09 | International banking system and method |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| WO2001061663A2 WO2001061663A2 (en) | 2001-08-23 |
| WO2001061663A8 true WO2001061663A8 (en) | 2002-02-28 |
Family
ID=26878116
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/US2001/004892 WO2001061663A2 (en) | 2000-02-15 | 2001-02-15 | International banking system and method |
Country Status (3)
| Country | Link |
|---|---|
| US (3) | US7822656B2 (en) |
| AU (1) | AU2001241506A1 (en) |
| WO (1) | WO2001061663A2 (en) |
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-
2001
- 2001-02-09 US US09/779,950 patent/US7822656B2/en active Active
- 2001-02-15 WO PCT/US2001/004892 patent/WO2001061663A2/en active Application Filing
- 2001-02-15 AU AU2001241506A patent/AU2001241506A1/en not_active Abandoned
-
2010
- 2010-09-16 US US12/883,324 patent/US8380597B2/en not_active Expired - Lifetime
-
2013
- 2013-01-17 US US13/743,670 patent/US8924289B1/en not_active Expired - Lifetime
Also Published As
| Publication number | Publication date |
|---|---|
| US8924289B1 (en) | 2014-12-30 |
| AU2001241506A1 (en) | 2001-08-27 |
| US20010034682A1 (en) | 2001-10-25 |
| WO2001061663A2 (en) | 2001-08-23 |
| US20110004554A1 (en) | 2011-01-06 |
| US7822656B2 (en) | 2010-10-26 |
| US8380597B2 (en) | 2013-02-19 |
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