Integration overview

FTM The Clearing House Real Time Payments implements a payments process that currently interacts with five external service interfaces. These services are shown in the following list.
  • Customer Channel
  • Fraud Screening
  • Sanction Screening
  • Accounting
  • Clearing and Settlement Mechanism (CSM)

The primary interfaces are the channel and the clearing and settlement mechanism (CSM) service interfaces, since these interfaces are the source and destination of the payment and related messages being processed. A secondary set of interfaces provides integration points for bank's existing services for fraud, sanction, and accounting systems to provide business level functions and decisions. Review the Functional flows section for information on the sequence of service interactions for each of the business use cases.

Figure 1. FTM The Clearing House Real Time Payments system interaction

FTM The Clearing House Real Time Payments supplies a set of simulators for all service interfaces except the channel. These simulators allow FTM The Clearing House Real Time Payments to be exercised before the integration work. The following sections provide additional information about the FTM The Clearing House Real Time Payments interfaces, in particular in relation to the approach and steps necessary to fully integrate with the existing systems of a bank and with the channel interface. The CSM Interface is not discussed in detail here because the interface is not expected to need significant integration effort by a bank. For more information about CSM connectivity, see Configuration and Setup and customization.