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...
2. America: http://en.wikipedia.org/wiki/Automated_Clearing_House
1. International: http://en.wikipedia.org/wiki/Society_for_Worldwide_Interbank...
2. America: http://en.wikipedia.org/wiki/Automated_Clearing_House