Patent ID: 7822656

Claim:
A system by which a provider bank effectuates international banking, transactions for a plurality of customers of a client bank, the system comprising: a client bank subsystem established within the provider bank, the client bank subsystem comprising: a plurality of customer accounts corresponding to the plurality of customers of the client bank, and a client bank subsystem processor coupled to the plurality of customer accounts and coupled to the client bank, the client bank subsystem processor receiving a payment instruction from the client bank related to a low value payment in a particular country requested by a particular customer of the client bank, the client bank subsystem processor debiting the customer account of the particular customer and generating the low value payment in response to the payment instruction from the client bank; and a provider bank subsystem established within the provider bank, the provider bank subsystem comprising: a provider bank subsystem processor coupled to the client bank subsystem processor and coupled to a low value payment system in the particular country, the provider bank subsystem processor receiving the low value payment from the client bank subsystem processor and transmitting the low value payment to the low value payment system in the particular country, whereby the particular customer of the client bank can make the low value payment even though the client bank does not have direct access to the low value payment system in the particular country.