Secure payment system by electronic funds transfer through a bank interconnecting network

摘要

The issuing bank (BE) and the collecting bank (BC) have their information-processing units linked to a compensation unit (A) serving also a verification unit (B) and a liquidation unit (SB). The collecting bank accepts an electronic cheque from a point-of-sale terminal (COM), and corresponding information (I3) is sent to the verification unit. The response (I5) updates a list of debits for the issuing bank and the list of credits for the collecting bank. Messages (I6) are sent to the banks concerned and liquidation requests (I7) to the unit responsible.