In this case the connecting organisation bears full responsibility before SWIFT for the organisation of safe work of the connected User. Besides SWIFTNet FIN assumes development of FIN functionality at the expense of use of standard qualities of SWIFTNet. The further development will be received by existing means of safety FIN (SLS/BKE/Card Readers) which will be replaced by standard means SWIFTNet PKI. Theoretically for payment fulfilment in Europe it is enough to know a SWIFT code of a bank and IBAN code of the addressee. It leads to simplification of an operational environment of work of the organisation and cuts expenses on the maintenance of two various technical infrastructures. Each bank included in system has unique SWIFT code. There are two schemes of connection to SWIFT network: own connection and collective. This system will allow the users working only with FIN to move to the category of those who already has access to SWIFTNet and is familiar with new technologies and products that considerably facilitates their connection to additional services of SWIFTNet in the future;