1.0

To make sure transfer to the right beneficiary, Merchant (BNC partner) send transfer inquiry request to BNC. Merchant sends Bank Code and Beneficiary Account Name.

1.1

BNC Back End will proceed the request.
BNC will check the beneficiary bank code to route the request.
If the Bank Code is BNC Bank Code then the request will be sent to BNC Core Banking.
Else BNC will send the request to ATM Switching network.

1.2

BNC Back End will send the beneficiary name to merchant.

1.3

Merchant proceed the transfer and send transfer request to BNC Back End.

1.4

BNC Back End will do the accounting entry process. Merchant account is as the source account, thus will be deducted.
If the beneficiary bank is BNC then the request will be sent to BNC Core Banking.
Else BNC will send the request to ATM Switching network.

1.5

BNC Back End will send the transfer result to Merchant.

2.0

To make sure transfer to the right beneficiary, Sub Merchant (BNC partner) send transfer inquiry request to Merchant (BNC Partner).
Sub Merchant sends Bank Code and Beneficiary Account Name.

2.1

Merchant (BNC partner) forward the request to BNC.

2.2

BNC Back End will proceed the request.
BNC will check the beneficiary bank code to route the request. If the Bank Code is BNC Bank Code then the request will be sent to BNC Core Banking.
Else BNC will send the request to ATM Switching network. 

2.3

BNC Back End will send the beneficiary name to merchant.

2.4

Merchant forward the information to Sub Merchant.

2.5

Sub Merchant proceed the transfer and send transfer request to Merchant

2.6

Merchant forward the request to BNC Back End

2.7

BNC Back End will do the accounting entry process. Sub Merchant account is as the source account, thus will be deducted.
If the beneficiary bank is BNC then the request will be sent to BNC Core Banking.
Else BNC will send the request to ATM Switching network.

2.8

BNC Back End will send the transfer result to Merchant.

2.9

Merchant will forward the result to Sub Merchant