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BACS
BACS, formerly known as Bankers' Automated Clearing Services is a scheme for the electronic processing of financial transactions within the United Kingdom, and the collective name of its controlling group. Direct debits and direct deposits are made using the BACS system. The payments are take upto 3 days to reach the receiving sort code+account number as they are batched.
== History ==
The system was created by Dennis Gladwell, then chairman of the Joint Stock Banks Clearing Committee. It started in 1968 as the "Inter-Bank Computer Bureau," intended to improve the existing clearing system by using electronic transfer of funds between banks, avoiding the need for paper documents. The company operating the service adopted the name "Bankers Automated Clearing Services Limited" in 1971.〔(Bacs corporate overview )〕 A telephone service, BACSTEL, was introduced in 1983,〔(【引用サイトリンク】url=http://www.charteris.com/news/2004/bacs-ltd-and-charteris-in-new-initiative-to-help-major-bacs-users )〕 reducing the need for magnetic tapes. More banks and building societies joined in 1985, and the company shortened its name to "BACS Limited".〔
On 1 December 2003, BACS Payment Schemes Limited (BPSL) was split from BACS Limited: BPSL as a "not for profit" body with members from the banking industry promoting the use of automated payment schemes and setting the rules of the BACS scheme; BACS Limited owning the infrastructure to run the BACS scheme. BACS Limited was permitted to continue to use the BACS name for one year, and became Voca Limited on 12 October 2004. Voca Limited has since been merged with the UK national switch provider LINK Interchange Network Limited on 2 July 2007, the new company being called VocaLink. It is based at Rickmansworth in Hertfordshire.
From 2003, BACS began moving from the telephone dial-up BACSTEL service to an internet-based service, BACSTEL-IP, which is claimed to be quicker and more secure. All BACS users, including businesses that make payments to their suppliers or operate their staff payroll electronically, were required to move to BACSTEL-IP by the end of December 2005 or return to using cheques. When the BACSTEL-IP service was introduced all software used to make a connection to BACS required BACS approval. It is now only possible to make a connection with software from the list of BACS Approved Solution Suppliers (BASS).
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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