Questions on the R12 Bank Data Model

Hi All,
I am trying to learn the R12 bank data model and have a couple of quns and was wondering if any of you can help me understand the same.
I understand banks and bank branches are stored as party in hz_parties and all the other hz_* tables. The IBY_EXT_BANK_ACCOUNTS table (similar to hz_locations which just stores any physical address) purely stores any external bank accounts and the IBY_EXTERNAL_PAYEES_ALL table links the bank accounts to the supplier or the supplier site or the supplier party/party site.
I also understand that internal bank accounts are stored in CE* tables.
So,
(1) What is the difference between IBY_EXT_BANK_ACCOUNTS and IBY_ACCOUNT_OWNERS table.
(2) What is the significance of the IBY_PMT_INSTR_USES_ALL table? When does it actually get populated?
(3) If the IBY_EXTERNAL_PAYEES_ALL stores only the link of banks and supplier (or supplier party), then where are the customer bank account details stored, because I dont see a column by name customer_id/customer_site_id or anything like that.
(4) One another important thing is - on the IBY_EXTERNAL_PAYEES_ALL table I dont see a supplier_id in this table, so does it mean that this table stores only supplier site level bank information? So there is no way, we can store the supplier level bank information?
Some of the assumptions I am making based on the various documentation available outside, please let me know if my assumptions are even wrong and please clarify the same.
Thanks.
Edited by: Srinivasa Vasu on Sep 17, 2009 7:02 AM

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