separating, by an instruction input processor apparatus, total instruction data associated with a payment instruction into payment instruction data needed for processing the payment instruction and accounting data not needed for processing the payment instruction;

converting the payment instruction data into a uniform metaformat for subsequent payment processing, the uniform metaformat comprising the payment instruction;

storing the accounting data temporarily in a file handler databank together with a reference to the payment instruction;

processing the converted payment instruction data, the processing including an automatic payment routing identification and payment clearing identification and, depending on the payment clearing identification, internal preparation of the payment instruction; and

converting automatically generated data relating to an outgoing payment instruction associated with the payment instruction into a target data format and supplementing the generated data with the accounting data temporarily stored in the file handler databank.