| 摘要 |
A system and method of routing Euro payments through one of the plurality of clearing channels. Payment transactions originating at branches of a financial institution are forwarded to and processed by a central hub located within the financial institution. The method includes a routing process and a flow control process. The routing and flow control processes are executed at the central hub. The routing process determines which clearing channel to use based on a number of factors such as the availability of the channel, customer instructions for routing, the membership of the destination bank, agreements with the destination bank, priorities, and the type of payment. The flow control process monitors the balance for a clearing member within a selected channel, and the balance of the channel as a whole. Depending on whether the balances exceed predetermined limits, the flow control process will either hold a routed payment or release it down the channel. The system and method allows customers to request specific Euro clearing mechanisms to be used for the Euro payment. |
