THE METHOD ENABLING 7/24 AND REAL-TIME REALIZATION OF FUND TRANSFERS BETWEEN THE BANKS

摘要

The present invention which relates to a method enabling 7 days 24 hours realization of the fund transfers between the banks (Electronic Fund Transfer: EFT), which cannot be carried out outside the work hours of the monetary authority institution (Central Bank, reserve bank etc.) of a country or group of countries, is generally characterized by containing the transaction stages of; submittal of the demand for fund transfer between the banks(l l), the sum desired to be transferred and the receiver information to the system (l) by the sender (2) through a communication channel (5) of the system (l); submittal of the bank account information of the system (l), the sum of money (the sum to be transferred + system transaction commission) desired to be transferred to the system(l) account and the system notification (12) containing other information related to the fund transfer method by the system (l) to the sender (2) through the mentioned communication channel 5); guiding the sender (2)to the service channel of the bank A (3) (the bank with the sender's account (3.2)); realization of fund transfer within the bank (14) by the sender (2) from his account (3.2) in bank A(3) to the system's account in bank A(3.1) to the extent of the sum to be transferred + system transaction commission; notification of the system (l) by the bank A(3) with respect to the money received by the account; realization of the fund transfer within the bank (14) in the amount demanded by the sender (2), from its account (4.1) in bank B(4) (the bank with the receiver's account (4.2)) to the receiver's account (4.2) by the system (l) receiving the mentioned bank notification (15); service of transaction confirmation (16) to the sender (2) and/or receiver when the amount demanded by the sender (2) is entered into the receiver's account (4.2).