I can't answer precisely, but I can give you some pointers to start your research: 1. International: http://en.wikipedia.org/wiki/Society_for_Worldwide_Interba

I can't answer precisely, but I can give you some pointers to start your research: 1. International: http://en.wikipedia.org/wiki/Society_for_Worldwide_Interbank_Financial_Telecommunication http://en.wikipedia.org/wiki/Society_for_Worldwide_Interbank... 2. America: http://en.wikipedia.org/wiki/Automated_Clearing_House http://en.wikipedia.org/wiki/Automated_Clearing_House