1185 - IBM MQ 在银行和支付领域的应用案例 Financial Rails.pdf

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1、Orlando,FLOctober 69IBM TechXchange 2025Session code:1185John CarrJohn CarrIntegration Services Practice ManagerIntegration Services Practice ManagerTxMQTxMQ,Inc.,Inc.Banking and Payment Rails Banking and Payment Rails Use Cases with IBM MQUse Cases with IBM MQAgendaPayment Rails:Quick IntroductionT

2、he Clearing House:Real Time Payments(RTP)Federal Reserve:FedwireFederal Reserve:FedNowIBM TechXchange|2025 IBM Corporation01020304Payment Rails:Quick IntroductionIBM TechXchange|2025 IBM CorporationWhat Are Payment Rails?IBM TechXchange|2025 IBM Corporation Represents the underlying systems and infr

3、astructure used to transfer funds between entities(participants).Or another way to phrase it Payment Rails are the networks and infrastructure that move money between banks,businesses,and people.Analogy:Like the railroad tracks or bridges of the financial world enabling commerce to flow.Key attribut

4、es:Speed transactions settle quickly and predictably.Reliability rails must work 24/7 without failure.Security protect funds and data from fraud or loss.IBM MQ The Messaging Backbone of Payment RailsIBM TechXchange|2025 IBM Corporation IBM MQ acts as the“switches and signals”that keep payment traffi

5、c moving.Provides secure,reliable,and asynchronous communication between applications across various platforms and environments.IBM TechXchange|2025 IBM Corporation Launched in 2017 by The Clearing House(U.S.banks-owned network)Enables instant fund transfers 24/7/365 between participating banks Key

6、Features:Immediate clearing and settlement Irrevocable transactions ISO 20022 messaging standard Why it Matters:Supports modern commerce(gig economy,bill payments,P2P transfers)Enhances liquidity and cash flow for businesses Sets expectations for instant payments across the U.S.economyIBM TechXchang