EFFICIENT INTER-BANK FUNDS TRANSFERS

摘要

An inter-bank server maintains accounts in multiple banks and process a funds transfer from one bank to a second bank as two separate intra-bank transfers. The process is started by a bank customer initiating an intra-bank transfer within a first bank to a first inter-bank transfer account maintained by the inter-bank server in the first bank. The inter-bank server determines the amount of the transfer and parses data identifying the intended recipient from data accompanying the intra-bank transfer record. The inter-bank server initiates a transfer to the account of the intended recipient in the second bank from a second inter-bank transfer account maintained by the inter-bank server in the second bank. The amount of the transfer is the amount received in the inter-bank transfer account in the first bank.

主权项

1. A computer-implemented method for facilitating inter-bank transfers of funds, the method comprising:
detecting, at an inter-bank server, a first transfer of funds from a customer account in a first bank to a first inter-bank transfer account in the first bank; determining, at the inter-bank server, an intended recipient of the funds from data associated with the first transfer of funds; determining, at the inter-bank server, that the intended recipient has an account in a second bank; and initiating, by the interbank server, a second transfer of funds from a second inter-bank transfer account in the second bank to the account of the intended recipient in the second bank.