《持卡人管理》PPT课件.ppt

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1、第七讲第七讲 持卡人管理持卡人管理w为什么使用信用卡w便利w广泛接受w安全比现金更安全 Safer than cash信贷额度加强了支付能力 Line of credit enhances spending power出国时不必兑换外币 No need to convert foreign currency when overseas在全世界范围内能提取现 金 Cash access worldwide便利 Convenience:受理 Acceptance:2,200万个特约商户 22 million Merchants87万台ATM机 870,000 ATMs保护 Protection:V

2、EAC紧急服务 VEAC Emergency Services:丢失/被盗卡更换 Lost/stolen card replacement紧急取现 Emergency cash disbursementATM位置 ATM locations开设一天24小时,一年365天多种语言服务 Open 24-hours a day,365 days a year,multi-lingual service可选择服务举例 Examples of Optional Services:旅行意外保险 Travel Accident InsuranceVisaPhone撞车/丢车损失豁免 Collision/Lo

3、ss Damage WaiverIm OK.Ive got my Visa Card.我想用我的我想用我的VISAVISA卡卡,但但 .?不被受理不被受理 I was n t acceptedI was n t accepted?我的帐户状况不良我的帐户状况不良 My account was no good?商户收走了我的卡商户收走了我的卡 The merchant took my cardTOM CRUISE卡片安全特征 Card Security Features卡片安全特征 Card Security Features VISAVISA标记标记 VISA LOGOVISA LOGO 全息

4、激光防伪鸽子标记全息激光防伪鸽子标记 DOVE HOLOGRAMDOVE HOLOGRAM 凸印的卡号凸印的卡号 EMBOSSED ACCOUNT NUMBEREMBOSSED ACCOUNT NUMBER 预先印好的预先印好的BIN BIN PRE-PRINTED BIN PRE-PRINTED BIN 有效起止日期有效起止日期 VALID FROM/TO?DATESVALID FROM/TO?DATES 签名签名 SIGNATURESIGNATURE 未改动过的卡片未改动过的卡片 UNALTERED CARDUNALTERED CARD 飞翔的飞翔的V V字符字符 FLYINGFLYING

5、V?V?照片照片(可选择可选择)PHOTO(OPTIONAL)PHOTO(OPTIONAL)商户受理时的违规行为 Merchant Acceptance Violations X Xtra FunWeartra FunWear 对不同发卡行的对不同发卡行的VISA卡有歧卡有歧 视行为视行为 Discriminate between Visa cards of different Issuers要求持卡人出示其他身份证明资料要求持卡人出示其他身份证明资料 Ask for supplementary cardholder identification information加收服务费加收服务费 S

6、urcharge我想用我的VISA卡,但 I tried to use my Visa Card and.?不被受理 It wasnt accepted?我的帐户状况不好我的帐户状况不好 My account was no goodMy account was no good?商户收走我的卡 The merchant took my cardTOM CRUISE 商户免授权限额 Merchant Floor Limit CARD RECOVERY BULLETIN 发卡行中心发卡行中心ISSUER CENTREISSUER CENTREVISASecond BankSecond Bank收单行

7、中心收单行中心ACQUIRER CENTREACQUIRER CENTREVISABASE IBASE IFirst BankFirst Bank持卡人持卡人CARDHOLDERCARDHOLDER商户商户MERCHANTMERCHANTVISA授权交易流程 Authorisation Transaction Flow 例外文件检查例外文件检查ExceptionException File Check File Check$200$200$100$100$150$150$50$50$0$0发送给发卡行申请授权发送给发卡行申请授权 Sent to Issuer for Authorisation

8、Sent to Issuer for Authorisation可选择处理可选择处理Optional ProcessingOptional Processing(活动检查活动检查,对批准的交易发通知对批准的交易发通知Activity Check,Advice Activity Check,Advice Creation for ApprovalsCreation for Approvals)发卡行限额发卡行限额 IssuerIssuer$Limit$Limit通知限额通知限额 AdviceAdvice$Limit$LimitBASE I代授权处理 BASE I Stand-In Process

9、ing交易总金额(例)Transaction Dollar Amount (Example)授权检查 Authorisation Checking高于发卡行限额 Above Issuer Limit低于通知限额Below Advice Limit在两限额之间Between Limits例外文件Exception例外文件Exception活动活动Activity通知Advice发给发卡行中心 To Issuers Centre现金现金CashCash#888旅行与娱乐旅行与娱乐T&ET&E零售零售RetailRetail购物购物 PurchasesPurchases正常持卡人授权服务 PCAS商

10、户类型 Merchant Type我想用我的VISA卡,但 I tried to use my Visa Card and.?不被受理 It wasnt accepted?我的帐户状况不好 My account was no good?商户收走我的卡商户收走我的卡 The merchant took my cardThe merchant took my cardTOM CRUISE商户商户 MERCHANT收单行收单行 ACQUIRER结算银行结算银行 SETTLEMENTBANKBASE II发卡行发卡行 ISSUER持卡人帐单持卡人帐单 CARDHOLDER BILLINGBASE II

11、结算交易流程 BASE II Settlement Transaction Flow我一打开帐单，就发现我一打开帐单，就发现.我不记得有这笔交易我不记得有这笔交易我不记得有这笔交易我不记得有这笔交易 I don I don I don I dont t t t recognize this transactionrecognize this transactionrecognize this transactionrecognize this transaction 交易错了 This transaction is wrong 有笔交易漏了 There is a transaction mis

12、sing 收费有误 The fees/charges are wrong我一打开帐单,发现 I just opened my statement and.我不记得这笔交易 I dont recognise this transaction 这笔交易错了这笔交易错了 This transaction is wrongThis transaction is wrong 有笔交易遗漏 There is a transaction missing 收费有误 The fees/charges are wrong+公里额公里额 MileageMileage+汽车费汽车费 ValetValet+汽油汽油 G

13、asGas+租金租金 RentalRental+停车及超速罚款停车及超速罚款 Parking/speeding finesParking/speeding fines+损坏损坏 DamagesDamages*租金租金 RentalRental*房间服务房间服务 Room serviceRoom service*电话电话 Telephone Telephone*洗衣洗衣 LaundryLaundry*食品饮料食品饮料 Food and beverageFood and beverage*适用税金适用税金 Applicable taxesApplicable taxes*其他费用其他费用CARHO

14、TELHOTEL旅行与娱乐-迟付或补充收费 T&E-Late/Amended Charges11151698765421141312MAYPosting Posting Date Date 过帐日过帐日货币兑换问题 Currency Conversion IssuesTransactionTransaction Date Date 交易日交易日CentralCentralProcessing Processing Date Date 中心中心处理日处理日我一打开帐单,就发现 I just opened my statement and.我不记得这笔交易 I dont recognise thi

15、s transaction 这笔交易错误 This transaction is wrong 有笔交易遗漏有笔交易遗漏 There is a transaction missingThere is a transaction missing 收费有误 The fees/charges are wrong我一打开帐单,就发现 I just opened my statement and.我不记得这笔交易 I dont recognise this transaction 这笔交易 错误 This transaction is wrong 有笔交易遗漏 There is a transaction

16、 missing 收费有误收费有误 The fees/charges are wrongThe fees/charges are wrong我不打算付款，因为我不打算付款，因为 我不喜欢得到的东西我不喜欢得到的东西 我没有收到商品服务我没有收到商品服务 我没有进行这笔交易我没有进行这笔交易 我的帐单收费有误我的帐单收费有误 n商户错误商户错误 Merchant Errorn收单行处理错误 Acquirer Processing Errorn怀疑欺诈 Suspect Fraudn收单行未对调阅签单的请求做出应答 Acquirer Did Not Respond to Retrieval Requ

17、est拒付原因拒付原因 Chargeback Reasons我没有收到商品我没有收到商品/服务服务 I didnt receive the goods/services商品商品/服务与描述不符服务与描述不符 The goods/services were not as described商品有损坏商品有损坏 The goods were defective我没有收到退款我没有收到退款 I didnt receive a credit商品/服务争议 Goods/Services Disputesn商户错误 Merchant Errorn收单行处理错误收单行处理错误 Acquirer Proces

18、sing Errorn怀疑欺诈 Suspect Fraudn收单行未对调阅签单的请求做出应答 Acquirer Did Not Respond to Retrieval Request拒付原因拒付原因 Chargeback Reasons我的帐单收费有误 Im being billed incorrectlyn 金额有误金额有误 Incorrect amount Incorrect amount n 帐号有误帐号有误 Incorrect account number Incorrect account number n 重复处理重复处理 Duplicate processingDuplicat

19、e processingn 入帐过晚入帐过晚 Late postingLate postingn商户错误 Merchant Errorn收单行处理错误 Acquirer Processing Errorn怀疑欺诈怀疑欺诈 Suspect Fraudn收单行未对调阅签单的请求做出应答 Acquirer Did Not Respond to Retrieval Request拒付原因拒付原因 Chargeback Reasonsn 未经授权的多笔交易 Unauthorised Multiple Transactionsn 没有压卡 Missing Imprint n 没有签名 Missing Si

20、gnaturen 邮购/电话购物 MO/TOn 已被取消的再发生交易 Cancelled Recurring Transaction我没有进行这笔交我没有进行这笔交 易易 I didnt make this transactionn商户错误 Merchant Errorn收单行处理错误 Acquirer Processing Errorn怀疑欺诈 Suspect Fraudn收单行未对调阅签单的请求做出应答收单行未对调阅签单的请求做出应答 Acquirer Did Not Respond to Retrieval Request拒付原因拒付原因 Chargeback Reasons授权问题 A

21、uthorisation Issues发卡行发卡行 ISSUERISSUER收单行收单行 ACQUIRERACQUIRER什么是仲裁 What is Arbitration?当一项运作规章被破坏而引起另一会员的经济损失而又不当一项运作规章被破坏而引起另一会员的经济损失而又不存在拒付权时存在拒付权时When an Operating Regulation is broken causing a financialWhen an Operating Regulation is broken causing a financialloss to another Member and no charg

22、eback right exists.loss to another Member and no chargeback right exists.=什么是依从 What is Compliance?我想取消我的预定我想取消我的预定 I would like tocancel thereservation Imade旅店旅店 HotelHotel旅行与娱乐争议裁决 T&E Resolution我想取消我的预定我想取消我的预定 I would like tocancel thereservation Imade旅店旅店 HotelHotel旅行与娱乐争议裁决旅行与娱乐争议裁决 T&E Resolution