Appeal 2007-0394
Application 09/769,036
8. There exists a plurality of domestic and international payment
networks available to facilitate the completion of monetary transactions, for
example, the Federal Reserve Bank’s Fedwire system, the Automated Clearing
House (ACH) payment network, the New York Clearing House Interbank Payment
System (CHIPS), and the Society for Worldwide Interbank Financial
Telecommunication (SWIFT) system (Wagner, col. 1, ll. 20-33).
9. The SWIFT system is an industry owned co-operative supplying
secure messaging services and interface software to financial institutions in many
different countries. Authorized parties create SWIFT payment messages, which
are then sent across the SWIFT network to accomplish a variety of financial
transactions including international payments (Harada ¶ 6).
10. Wagner discloses a system for providing access to a plurality of
national and international payment networks (Wagner, col. 2, ll. 40-44 and col. 4,
ll. 8-16).
11. The system of Wagner includes, inter alia, a central computer 12 in
communication with a plurality of payment networks, for example, Fedwire
network 16, ACH network 18, and SWIFT network 20 (Wagner, Fig. 1 and col. 3,
ll. 63-68).
12. Once a payment is entered, the payment may be first approved or
verified at the remote locations before it is communicated to the central bank
(Wagner, col. 8, ll. 59-63).
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