万事达卡清分系统运作介绍

null万事达卡 清分系统运作介绍万事达卡 清分系统运作介绍曾毅 2004年4月内容提要内容提要 万事达卡清分处理 流程 快递问题件怎么处理流程河南自建厂房流程下载关于规范招聘需求审批流程制作流程表下载邮件下载流程设计 及其示例 万事达卡清分系统(GCMS) IPM清分信息及其实例 重要清分文件与报 表 关于同志近三年现实表现材料材料类招标技术评分表图表与交易pdf视力表打印pdf用图表说话 pdf 说明 交换与交换费(含计算实例) 货币转换费(含计算实例) 清分信息格式定义手册说明 MPE参数文件null银行网络 Banknet银行卡业务链万事达卡交易处理流程万事达卡交易处理流程授权处理清分处理资金结算Exchange DetailExchange Approval/DeclineExchange Funds双信息交易处理万事达卡交易处理流程双信息交易流程流程BANKNETIssuer HostAcquirer HostPOSGCMS Settlement BankRequest0100010001100110ResponseCardholder PurchaseNotifies Net PositionA) 联机或脱机授权 B) 清分 C) 日终结算ACAcquirer Receives Payment Acquirer Pays Merchant Issuer Pays Settlement BankBGCMSIssuer HostAcquirer HostOutgoing ClearingIncoming ClearingMerchantDrafts or EDC万事达卡交易处理流程万事达卡清分处理流程Issuing BankAcquiring Bank30 Days45, 60, 120, 180 Days45 Days45 Days U.S. 60 Days Non-U.S.1st Presentment 2nd Presentment 1st ChargebackArbitration Chargeback 45 Days万事达卡清分处理流程收单行发卡行拒付拒付拒付理由码拒付理由有效期480148344842发卡行要求调阅签购单，但收单行未在规定时间内提供重复清算60天120天过期请款120天┇┇┇广告时间广告时间480148344842Advanced Chargeback Training时间: 2004年7月29日－30日 地点: 北京 培训 焊锡培训资料ppt免费下载焊接培训教程 ppt 下载特设培训下载班长管理培训下载培训时间表下载 机构: MasterCard Dispute Resolution Management (DRM) Department调单调单 发卡行调阅持卡人签购单的基本原因: － 持卡人要求调阅 － 发卡行要求调阅，为拒付提供依据 － 协助司法调查或银行自身之欺诈交易调查 收单行须按照发卡行的要求，在规定时间内提供签购单原件、清晰的复印件、或其他替代单据调单流程调单流程发卡行通过万事达卡清分系统(GCMS)发出调单请求(Retrieval Request/1644-603) 收单行须于30日内通过MasterCom系统向发卡行提供相应的签购单复印件 发卡行有权在收到签购单复印件之日起10日内对该单据作出拒绝响应 若发卡行对收单行提供的单据作出拒绝响应，则MasterCom Image Review将对该单据进行审查，从而最终确定其有效性null万事达卡清分系统Global Clearing Management System (GCMS)万事达卡清分系统由万事达卡建立并运营的集中式清分处理系统 负责对所有通过万事达卡国际网络完成的交易进行清分处理 根据业务需要，每年更新2次(GCMS 04.1版 – 北京时间2004年4月2日 22:00PM)清分周期清分周期金融交易信息分类金融交易信息分类Financial Message Name MTI DE24 First presentments 1240 200 First chargebacks (full) 1442 450 First chargebacks (partial) 1442 453 Second presentments (full) 1240 205 Second presentments (partial) 1240 282 Arbitration chargebacks (full) 1442 451 Arbitration chargebacks (partial) 1442 454 Fee collection (Member-generated) 1740 700 Fee collection (Return) 1740 780 Fee collection (Resubmission) 1740 781 Fee collection (Arbitration Return) 1740 782 Fee collection (Clearing system-generated) 1740 783 金融交易信息遵循IPM格式 (ISO8583-1993) 金融交易信息类型由MTI和DE24共同标识对账信息对账信息File Currency Summary 信息 MTI - Function Code: 1644 - 680File Currency Summary 信息清分文件 交易币种 分类汇总口径: 汇总值：借方发生额、贷方发生额、轧差净额 参与分类汇总的交易类型:Presentment/1240 Chargeback/1442 Fee Collection/1740Financial Position Detail 信息 MTI - Function Code: 1644 - 685Financial Position Detail 信息提供多达9种分类汇总口径，从而对会员银行在任一清分周期的金融交易活动提供更为详尽的分类汇总信息 汇总值：借方发生额、贷方发生额、轧差净额Financial Position Detail 信息Financial Position Detail 信息• File ID (仅适用于Acknowledgments) • Settlement Indicator • Original/Reversal • Processing Code • Transaction Currency • Member Activity • Issuer Account Range • Business Service/IRD • Transaction Function分类汇总口径：Financial Position Detail 信息Financial Position Detail 信息1. File ID 依逻辑文件ID汇总(仅适用于acknowledgements) 示例: 001/040601/00000001867/01102 2. Settlement Indicator 依结算方式 (MasterCard settled, Bilateral, or Collection Only)分类汇总口径：001: 清分文件－自GCMS发送至会员银行 002: 清分文件－自会员银行发送至GCMS 003: 预核对文件－自GCMS发送至会员银行清分周期Financial Position Detail 信息Financial Position Detail 信息3. Original/Reversal Indicator 依原始交易/冲证交易分类 4. Processing Code from DE 3 values 依交易类型 (示例: 00 - Purchase, 01 - ATM, 12 - Cash Disbursement, 18 - Unique, 19 - Fee Collection/ credit, 20 - Credit Transaction, 29 - Fee Collection/debit)分类汇总口径：Financial Position Detail 信息Financial Position Detail 信息5. Transaction Currency 依交易币种注: 所有Financial Position Detail信息均包含以会员银行清算货币表示的分类汇总金额.分类汇总口径：Financial Position Detail 信息Financial Position Detail 信息6. Member Activity 依会员银行的交易活动类型 (Acquiring/Issuing/ Fee collection) 7. Account Range 依卡号范围 (例如: 5412-3456-780X-XXXX 至 5412-3456-789X-XXXX)分类汇总口径：Financial Position Detail 信息Financial Position Detail 信息8. Business Activity 依业务活动类型 (详见PDS0158之定义: Acceptance Brand-MCC/DMC, Business service level-Interregional/Intraregional, Business service ID-010401: Interregional business service 01 for Region 1 to Region C, Interchange rate designator-73: International Electronic)分类汇总口径：Financial Position Detail 信息Financial Position Detail 信息9. Transaction Function from MTI and DE24 values 依交易功能 (示例: First presentment, Second presentment, First chargeback, Arbitration chargeback, Fee collection)分类汇总口径：Financial Position Detail 信息Financial Position Detail 信息更多的分类汇总口径 = 更多的对账信息 GCMS为多种口径的每一组合生成一条Financial Position Detail 信息 默认的分类汇总口径 File ID (仅适用于Acknowledgments), Settlement Indicator, Original/Reversal, Processing Code 必选口径 Settlement Indicator category小结：非金融交易信息分类非金融交易信息分类冲证冲证冲销单笔交易 在原交易信息的基础上增加Message Reversal Indicator (PDS 0025)，且其第1子域取值为“R”，第2子域为万事达卡清分系统处理原交易的日期。 冲销整个清分文件 在原清分文件的File Header/1644-697中增加File Reversal Indicator (PDS 0026)，且其第1子域取值为“R”，第2子域为万事达卡清分系统处理原清分文件的日期。清分数据流清分数据流Chargeback MessagesFee Collection MessagesFile Trailer MessageFile Header MessageRetrieval Request MessagesAcknowledgement MessagesNotification MessagesPresentment MessagesFee Collection MessagesFile Trailer MessageFile Header MessageGCMSCycle CutoffCycle CutoffMember APresentment MessagesFee Collection MessagesFile Trailer MessageFile Header MessageChargeback MessagesFee Collection MessagesFile Trailer MessageFile Header MessageRetrieval Request MessagesNotification MessagesAcknowledgement Messages清分示例一清分示例一Acknowledgement Message: $887 KPresentment MessagesFee Collection MessagesFile Trailer MessageFile Header MessageCycle CutoffMember ANotification Message: $887 K Chargeback MessagesFile Trailer MessageFile Header MessageRetrieval Request MessagesGCMSTotaling $887 KTotaling $33 KAcknowledgement Message: $33 KNotification Message: $33 K 清分示例二(非金融交易的处理)清分示例二(非金融交易的处理)Acknowledgement Message: $887 KPresentment MessagesFee Collection MessagesFile Trailer MessageFile Header MessageCycle CutoffMember ANotification Message: $887 K File Trailer MessageFile Header MessageRetrieval Request MessagesGCMSTotaling $887 KTotaling $0 KAcknowledgement Message: $0 K清分示例三(货币转换)清分示例三(货币转换)Acknowledgement Totals: Transaction: $887 K / Reconciliation: $887 KPresentment MessagesFee Collection MessagesFile Trailer MessageFile Header MessageCycle CutoffMember ANotification Message: Transaction: $887 K / Reconciliation: £603 K Chargeback MessagesFile Trailer MessageFile Header MessageRetrieval Request MessagesGCMSTotaling $887K (Transaction amount)Totaling £22K (Transaction amount)Acknowledgement Totals: Transaction: £22 K / Reconciliation: £22 K Notification Message: Transaction: £22 K / Reconciliation: $33 K 万事达卡清分文件File Header/1644: File ID 1, Transmission ID 1 (individual clearing messages) (individual clearing messages) (individual clearing messages) File Trailer/1644: File ID 1 File Header/1644: File ID 2, Transmission ID 1 (individual clearing messages) (individual clearing messages) (individual clearing messages) File Trailer/1644: File ID 2 File Header/1644: File ID 3, Transmission ID 1 (individual clearing messages) (individual clearing messages) (individual clearing messages) File Trailer/1644: File ID 3 万事达卡清分文件 逻辑文件 Logical File (File) 物理文件 Physical File (Bulk File)重要清分文件 (批处理文件)重要清分文件 (批处理文件)预核对文件示例预核对文件示例Cycle CutoffPresentment MessagesFee Collection MessagesFile Trailer MessageFile Header MessageChargeback MessagesFile Trailer MessageFile Header MessageRetrieval Request MessagesTotaling $887KTotaling $33KAcknowledgement Message: $25 KNotification Message: $25 K IPM Early Reconciliation File : Acknowledgement Message: $547 K Error Messages: $340 KError Message: $8 K Notification Message: $547 K IPM Early Reconciliation File : Acknowledgement Message: $25 K Error Messages: $8 KAcknowledgement Message: $547 KError Message: $340 K 对账 报表 企业所得税申报表下载财务会计报表下载斯维尔报表下载外贸周报表下载关联申报表下载 示例对账报表示例交换与交换费交换与交换费交换是指在一个共同的平台或 标准 excel标准偏差excel标准偏差函数exl标准差函数国标检验抽样标准表免费下载红头文件格式标准下载 上信息和交易的互换与共享。任何交换首先都必须有一个共同的标准。交换费率是指收单行与发卡行之间分配利润的一定比例，目前万事达卡的交换费率如下: 手工单(ISI): 1.69% x 交易金额 + 每笔交易US$0.10 EDC交易(IEI): 1.16% x 交易金额 International Full UCAF: 1.60% x 交易金额 + 每笔交易US$0.10 International Merchant UCAF: 1.50% x 交易金额 + 每笔交易US$0.10 International Payment Transaction: 0.19% x 交易金额 + 每笔交易US$0.53 银行柜台取现: 0.09% x 交易金额 + 每笔交易US$3.60 ATM交易: 每笔取现交易 US$1.25 每笔余额查询 US$0.25交换与交换费－注释交换与交换费－注释International Full UCAF: 收单行及其商户均能支持基于UCAF (Universal Cardholder Authentication Field)的持卡人认证方式，并且持卡人正是通过该方式得以认证 International Merchant UCAF: 收单行及其商户均能支持基于UCAF (Universal Cardholder Authentication Field)的持卡人认证方式，但是持卡人并非通过该方式得以认证电子商务环境下：交换费的支付方向交换费的支付方向收单行发卡行收单行发卡行货币转换费(Multiple Currency Conversion Rate )货币转换费(Multiple Currency Conversion Rate )向发卡行收取 当交易币种、发卡行清算币种和信用卡币种不完全相同时收取 在Wholesale汇率的基础上加收固定比例的MCCR(1.1%)——经MCCR调整后的实际汇率 交换费及货币转换费的计算实例交换费及货币转换费的计算实例Purchase交易 1st Presentment 交易币种: New Zealand Dollar (NZD) 交易金额: NZD 1,000 收单行清算币种: Canadian Dollar (CAD) 发卡行清算币种: Australian Dollar (AUD) 信用卡还款币种: Australian Dollar (AUD) 交易假设：交换费及货币转换费的计算实例交换费及货币转换费的计算实例对于收单行：交换费及货币转换费的计算实例交换费及货币转换费的计算实例对于收单行：交换费及货币转换费的计算实例交换费及货币转换费的计算实例对于发卡行——持卡人还款金额交换费及货币转换费的计算实例交换费及货币转换费的计算实例对于发卡行——持卡人还款金额交换费及货币转换费的计算实例交换费及货币转换费的计算实例对于发卡行——发卡行清算净额交换费及货币转换费的计算实例交换费及货币转换费的计算实例对于发卡行——发卡行清算净额IPM清分信息实例IPM清分信息实例1st PresentmentIPM清分信息实例IPM清分信息实例1st PresentmentIPM清分信息实例IPM清分信息实例1st PresentmentIPM清分信息实例IPM清分信息实例错误: TIMELINESS ERROR (错误代码: 0670)Interchange Rate Designator: 83 – IEI: 1.16% 85 – ISI: 1.69% + USD 0.10  查阅清分信息格式定义手册查阅清分信息格式定义手册查阅清分信息格式定义手册查阅清分信息格式定义手册Data Element (DE) NumberOr Private Data Subelement (PDS) Number. Private Data Subelement numbers are prefaced with a “p”. 查阅清分信息格式定义手册查阅清分信息格式定义手册Data Element (DE) NameSubfield Number and NamePrivate Data Subelement (PDS) Name查阅清分信息格式定义手册查阅清分信息格式定义手册Org - Originator Requirements. The message originator must satisfy this data element's requirements before sending the message. Examples of originators include a First Presentment/1240 acquirer or a First Chargeback/1442 issuer.M = Mandatory C = Conditional O = Optional X = Clearing System  = Not Applicable查阅清分信息格式定义手册查阅清分信息格式定义手册Sys - Clearing System Requirements. The clearing system may insert, correct, modify, or echo this data element while, for example, routing a message from the origin to the destination. The clearing system may overwrite the data element and thereby overwrite any previous content.M = Mandatory C = Conditional O = Optional X = Clearing System  = Not Applicable查阅清分信息格式定义手册查阅清分信息格式定义手册Dst - Destination Requirements. The message destination must expect this data element (read it) and accept this data element (process it) if the originator requirements are satisfied. Examples of destinations include a First Presentment/1240 issuer or a First Chargeback/1442 acquirer.M = Mandatory C = Conditional O = Optional X = Clearing System  = Not Applicable查阅清分信息格式定义手册查阅清分信息格式定义手册Comments - Explains the purpose of the Element. When the usage is "C" for conditional, the conditions in which the element is required are listed in the Comments column 由万事达卡生成 包含会员银行清分系统所需参数 ICA and BIN relationships Interchange rates Country codes, currency codes, conversion rates Chargeback and retrieval request reason codes Merchant Category Codes (MCCs) Notification of ICA/BIN conversion dates Member Profile Extract (MPE) 参数文件 每日更新 T067－GCMS Parameter Extract Data–Daily Updates T068－GCMS Parameter Extract Data Full File Replace Member Profile Extract (MPE) 参数文件null