公开(公告)号：US08380597B2

公开(公告)日：2013-02-19

申请号：US12883324

申请日：2010-09-16

申请人： Nigel Night ,  Richard Baker ,  Mel Metherell ,  Ian Chittick ,  Richard Parkin ,  Sang Leong ,  Les Green ,  Marc A. Anders

发明人： Nigel Night ,  Richard Baker ,  Mel Metherell ,  Ian Chittick ,  Richard Parkin ,  Sang Leong ,  Les Green ,  Marc A. Anders

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/06

摘要： A system an method for providing banks with access to a previously inaccessible exiting international infrastructure. A provider bank first establishes on its system, a set of accounts for each of the customers of a client bank (the client bank environment). The client bank environment has its own Demand Deposit Account (DDA) module to process account entries and calculate interest and its own funds transfer module to initiate and to receive funds transfers. The primary interface into the funds transfer section in the client bank environment is to the funds transfer section of the provider bank environment. The funds transfer section of the provider bank is coupled to the systems which constitute the international banking infrastructure that is able to process banking transactions on a global basis for the customers of the client bank.

摘要翻译： 一种提供银行访问以前无法访问的现有国际基础设施的方法。 提供者银行首先在其系统上建立客户银行（客户银行环境）的每个客户的一组帐户。 客户银行环境有自己的需求存款账户（DDA）模块来处理账户入账，并计算利息和自己的资金转帐模块来启动和接收资金转账。 客户银行环境中资金转移部分的主要接口是提供者银行环境的资金转帐部分。 提供商银行的资金转移部分与构成国际银行基础设施的系统相结合，可以为客户银行的客户在全球范围内处理银行交易。

公开(公告)号：US07822656B2

公开(公告)日：2010-10-26

申请号：US09779950

申请日：2001-02-09

申请人： Nigel Knight ,  Richard Baker ,  Mel Metherell ,  Ian Chittick ,  Richard Parkin ,  Sang Leong ,  Les Green ,  Marc A. Anders

发明人： Nigel Knight ,  Richard Baker ,  Mel Metherell ,  Ian Chittick ,  Richard Parkin ,  Sang Leong ,  Les Green ,  Marc A. Anders

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/06

摘要： A system an method for providing banks with access to a previously inaccessible existing international infrastructure. A provider bank first establishes on its system, a set of accounts for each of the customers of a client bank. (the client bank environment). The client bank environment has its own Demand Deposit Account (DDA) module to process account entries and calculate interest and its own funds transfer module to initiate and to receive funds transfers. The primary interface into the funds transfer section in the client bank environment is to the funds transfer section of the provider bank environment. The funds transfer section of the provider bank is coupled to the systems which constitute the international banking infrastructure that is able to process banking transactions on a global basis for the customers of the client bank. A customer requests a particular international transaction to be performed by its client bank. The client bank then communicates the requested transaction to the funds transfer section in the client bank environment within the system of the provider bank. Once the client bank funds transfer section has received the requested transaction, it references the customer's accounts in the client bank environment (e.g., to debit the customer's account) and then transmit a transaction message (e.g., a payment message) to the funds transfer section of the provider bank environment. The funds transfer section of the provider bank processes the transaction as a typical correspondent bank payment across the Nostro account(s) of the client bank environment (e.g., a high value wire transfer) through one of the clearing systems. Incoming funds (i.e., credits) intended for accounts of customers of the client bank follow this flow in reverse.

摘要翻译： 一种提供银行访问以前无法访问的现有国际基础设施的方法。 提供者银行首先在其系统上建立客户银行的每个客户的一组帐户。 （客户银行环境）。 客户银行环境有自己的需求存款账户（DDA）模块来处理账户入账，并计算利息和自己的资金转帐模块来启动和接收资金转账。 客户银行环境中资金转移部分的主要接口是提供者银行环境的资金转帐部分。 提供商银行的资金转移部分与构成国际银行基础设施的系统相结合，可以为客户银行的客户在全球范围内处理银行交易。 客户要求客户银行执行特定的国际交易。 客户银行然后将所请求的交易传送到提供商银行系统内的客户银行环境中的资金转帐部分。 一旦客户银行资金转账部门已经收到所请求的交易，它将在客户银行环境中引用客户的账户（例如，借记客户的账户），然后将交易信息（例如，付款信息）发送到资金转账部分 的供应商银行环境。 提供商银行的资金转移部分通过其中一个结算系统将交易处理为通过客户银行环境的Nostro账户（例如，高价值电汇）的典型代理银行支付。 用于客户银行客户帐户的进款（即信用）相反地遵循这一流程。

公开(公告)号：US20110004554A1

公开(公告)日：2011-01-06

申请号：US12883324

申请日：2010-09-16

申请人： Nigel KNIGHT ,  Richard Baker ,  Mel Metherell ,  Ian Chittick ,  Richard Parkin ,  Sang Leong ,  Les Green ,  Marc A. Anders

发明人： Nigel KNIGHT ,  Richard Baker ,  Mel Metherell ,  Ian Chittick ,  Richard Parkin ,  Sang Leong ,  Les Green ,  Marc A. Anders

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/06

摘要： A system and method for providing banks with access to a previously inaccessible existing international infrastructure. A provider bank first establishes on its system, a set of accounts for each of the customers of a client bank (the client bank environment). The client bank environment has its own Demand Deposit Account (DDA) module to process account entries and calculate interest and its own funds transfer module to initiate and to receive funds transfers. The primary interface into the funds transfer section in the client bank environment is to the funds transfer section of the provider bank environment. The funds transfer section of the provider bank is coupled to the systems which constitute the international banking infrastructure that is able to process banking transactions on a global basis for the customers of the client bank. A customer requests a particular international transaction to be performed by its client bank. The client bank then communicates the requested transaction to the funds transfer section in the client bank environment within the system of the provider bank. Once the client bank funds transfer section has received the requested transaction, it references the customer's accounts in the client bank environment (e.g., to debit the customer's account) and then transmit a transaction message (e.g., a payment message) to the funds transfer section of the provider bank environment. The funds transfer section of the provider bank processes the transaction as a typical correspondent bank payment across the Nostro account(s) of the client bank environment (e.g., a high value wire transfer) through one of the clearing systems. Incoming funds (i.e., credits) intended for accounts of customers of the client bank follow this flow in reverse.

摘要翻译： 一种提供银行访问以前无法访问的现有国际基础设施的系统和方法。 提供者银行首先在其系统上建立客户银行（客户银行环境）的每个客户的一组帐户。 客户银行环境有自己的需求存款账户（DDA）模块来处理账户入账，并计算利息和自己的资金转帐模块来启动和接收资金转账。 客户银行环境中资金转移部分的主要接口是提供者银行环境的资金转帐部分。 提供商银行的资金转移部分与构成国际银行基础设施的系统相结合，可以为客户银行的客户在全球范围内处理银行交易。 客户要求客户银行执行特定的国际交易。 客户银行然后将所请求的交易传送到提供商银行系统内的客户银行环境中的资金转帐部分。 一旦客户银行资金转账部门已经收到所请求的交易，它将在客户银行环境中引用客户的账户（例如，借记客户的账户），然后将交易信息（例如，付款信息）发送到资金转账部分 的供应商银行环境。 提供商银行的资金转移部分通过其中一个结算系统将交易处理为通过客户银行环境的Nostro账户（例如，高价值电汇）的典型代理银行支付。 用于客户银行客户帐户的进入资金（即信用额度）相反。