ID Number: G00165791



What's in a Payment Services Hub: Building the Next Generation of Banks' Payment Architecture
13 April 2009
 
Christophe Uzureau   Mary Knox  

Many banks are looking into modernizing their corporate and retail payment systems, and are shaping long-term visions for their payment architecture. They must plan for the right payment services and payment engines to maximize business benefits.





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Table of Contents


    
 Analysis

1.0
    
 Time to Make a Move
2.0
    
 The Focus of This Research
3.0
    
 A Common Language to Share the Vision
4.0
    
 Introduction: Preparing the Payment Journey

4.1
    
 Stage 1: Payment Origination, Message Processing and Creation of the Payment Object

4.1.1
    
 The Payment Flow
4.1.2
    
 Key Considerations
4.2
    
 Stage 2: The Bank's Payment Workflows and Processing

4.2.1
    
 Part 1: From Prioritization to Repair, the Journey Goes On

4.2.1.1
    
 The Payment Flow
4.2.1.2
    
 Key Considerations
4.2.2
    
 Part 2: Preparing for Clearing and Settlement

4.2.2.1
    
 The Payment Flow
4.2.2.2
    
 Key Considerations
4.3
    
 Stage 3 — Message Processing and External Processing, Clearing and Settlement

4.3.1
    
 The Payment Flow
4.3.2
    
 Key Considerations
4.4
    
 Stage 4: Payment Delivery and Client Services
5.0
    
 Recommendations

    
 Recommended Reading


List of Figures


Figure 1. 
 The Participants in This Journey
 

Figure 2. 
 Whatever the Origin, the Message Is Captured and Routed …
 

Figure 3. 
 … Before Being Turned Into the Payment Object
 

Figure 4. 
 The Internal Journey of the Payment Object, Part 1
 

Figure 5. 
 The Internal Journey of the Payment Object, Part 2
 

Figure 6. 
 The Final Touch
 



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Banking Systems
Payment Service Hubs




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Resource Id: 935612