Creation of hardware-software complex of SWIFT in the financial organisation and its direct connection to system SWIFT. After events on September 11th 2001 CIA and the Treasury Department of the US have got access to the financial information of SWIFT network for the purpose of tracing of possible financial transactions of terrorists. There are two schemes of connection to SWIFT network: own connection and collective. Combination of SWIFTNet and SWIFTNet FIN also is a step on a way to reduction of complexity of means of operational processing (financial transactions) and movement towards their optimisation. One SWIFT terminal established at the client is used for an exchange of internal and international messages with all serving banks. Message transmission services SWIFTNet offer protected interactive (in a real time mode) exchange of messages the file transfer mechanism and the mechanism of interactive access to the data (browsing) based on use of SWIFTNet Link (SNL) and SWIFTNet Public Key Infrastructure (PKI) - the necesary for safety SWIFT software. The Service bureau is the non-financial organisation created under direct control and annual audit by SWIFT (Belgium). Theoretically for payment fulfilment in Europe it is enough to know a SWIFT code of a bank and IBAN code of the addressee.