Redirecting or returning international credit transfers
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United States of America Patent
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Apr 15, 2014
Grant Date -
Aug 16, 2012
app pub date -
Feb 10, 2012
filing date -
Feb 11, 2011
priority date (Note) -
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status (Latency Note)
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Abstract
Redirecting or returning international credit transfers is described. In one embodiment a system for redirecting or returning international credits is described including a gateway operator that receives a credit transfer from a foreign originator, compares routing and account numbers of the credit transfer with a predetermined table of routing and account numbers, and forwards the credit transfer based on the comparison of the routing and account numbers with the predetermined table, an Automated Clearing House (ACH) that presents the credit transfer to a Receiving Depository Financial Institution (RDFI) for clearing and settlement, and a wire transfer service that presents the credit transfer to the RDFI for clearing and settlement. In another embodiment a method for redirecting or returning international credits is described.
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