미국의 신속결제시스템에 관한 비교연구

Abstract

The aim of this study is to analyzed the comparative assessment on the fast payment system of USA. The paper is organized as fellows. In Section Ⅰ, I outline the purpose of this paper. In Section Ⅱ, I explain previous research in domestic and foreign literature and conduct the construction process and development. In Section Ⅲ, I did comparative analysis the operational policies between RTP network and FedNow of America. In Section Ⅳ, I assessed the usefulness both fast payment system. In Section Ⅴ, I summarizes and suggested that the payment system have to assume, with good reason, more efficiently accurately and securely operation together with conclusion. The results of analysis is to fellow. FedNow is operated by federal reserve bank, while RTP network is owned-operated by The clearing house. The FedNow is a real-time gross settlement service that will process and settle individual payments within seconds, 24 hours a day, 7 days a week, 365 days a year. The service will settle payment obligations between depository institutions by adjusting balances in accounts at the reserve banks. The service will be designed for smaller-value payments, limited to $25,000 or less. The RTP network from The clearing house is a real-time payments platform that all federally insured U.S. depository institutions are eligible to use for payments innovation. The U.S. financial institutions of all sizes are taking advantage of the RTP network’s capabilities to create or enhance digital services for their customers.