万事达卡清分系统运作介绍.ppt

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1、万事达卡清分系统运作介绍,曾毅2004年4月,内容提要,万事达卡清分处理流程及其示例 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,银行网络 Banknet,银行卡业务链,授权处理,清分处理,资金结算,Exchange Detail,Exchange Approval/Decline,Exchange 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,BANKNET,IssuerHost,AcquirerHost,POS,GCMSSettlementBa

2、nk,Request,0100,0100,0110,0110,Response,CardholderPurchase,Notifies Net Position,A)联机或脱机授权 B)清分 C)日终结算,A,C,Acquirer Receives PaymentAcquirer Pays Merchant,Issuer Pays Settlement Bank,B,GCMS,IssuerHost,AcquirerHost,OutgoingClearing,Incoming Clearing,Merchant,Draftsor EDC,万事达卡交易处理流程,Issuing Bank,Acqui

3、ring Bank,30 Days,45,60,120,180 Days,45 Days,45 Days U.S.60 Days Non-U.S.,1st Presentment,2nd Presentment,1st Chargeback,Arbitration Chargeback,45 Days,万事达卡清分处理流程,收单行,发卡行,拒付,拒付理由码,拒付理由,有效期,4801,4834,4842,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,4801,4834,4842,Advanced Chargeback Trainin

4、g,时间:2004年7月29日30日地点:北京培训机构:MasterCard Dispute Resolution Management(DRM)Department,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,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

5、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,调单流程,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,金融交易信息分类,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,Financial Messa

6、ge NameMTIDE24First presentments1240200First chargebacks(full)1442450First chargebacks(partial)1442453Second presentments(full)1240205Second presentments(partial)1240282Arbitration chargebacks(full)1442451Arbitration chargebacks(partial)1442454Fee collection(Member-generated)1740700Fee collection(Re

7、turn)1740780Fee collection(Resubmission)1740781Fee collection(Arbitration Return)1740782Fee collection(Clearing system-generated)1740783,对账信息,MTI-Function Code:1644-680,File 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/1240Chargeback/1442Fee Collection/1740,MTI-

8、Function Code:1644-685,Financial 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,File ID(仅适用于Acknowledgments)Settlement Indicator Original/Reversal Processing Code Transaction Currency Member Activity Issuer Account Range Business S

9、ervice/IRD Transaction Function,分类汇总口径：,1.File ID依逻辑文件ID汇总(仅适用于acknowledgements)示例:001/040601/00000001867/011022.Settlement Indicator依结算方式(MasterCard settled,Bilateral,or Collection Only),Financial Position Detail 信息,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GCMS003:预核对文件自GCMS发送至会员银行,清分周期,3.Origin

10、al/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),Financial Position Detail 信息,分类汇总口径：,5.Transaction Currency依交易币种,注:所有Financial Position Detail信息均包含以会员

11、银行清算货币表示的分类汇总金额.,Financial Position Detail 信息,分类汇总口径：,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),Financial Position Detail 信息,分类汇总口径：,8.Business Activity依业务活动类型(详见PDS0158之定义:Acceptance Brand-MCC/DMC,Business servi

12、ce level-Interregional/Intraregional,Business service ID-010401:Interregional business service 01 for Region 1 to Region C,Interchange rate designator-73:International Electronic),Financial Position Detail 信息,分类汇总口径：,9.Transaction Function from MTI and DE24 values依交易功能(示例:First presentment,Second pr

13、esentment,First chargeback,Arbitration chargeback,Fee collection),Financial Position Detail 信息,分类汇总口径：,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,Financia

14、l Position Detail 信息,小结：,非金融交易信息分类,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。,冲证,清分数据流,Chargeback Messages,Fee Collection Messages,File Trailer

15、 Message,File Header Message,Retrieval Request Messages,Acknowledgement Messages,Notification Messages,Presentment Messages,Fee Collection Messages,File Trailer Message,File Header Message,GCMS,Cycle Cutoff,Cycle Cutoff,MemberA,Presentment Messages,Fee Collection Messages,File Trailer Message,File H

16、eader Message,Chargeback Messages,Fee Collection Messages,File Trailer Message,File Header Message,Retrieval Request Messages,Notification Messages,Acknowledgement Messages,清分示例一,Acknowledgement Message:$887 K,Presentment Messages,Fee Collection Messages,File Trailer Message,File Header Message,Cycl

17、e Cutoff,MemberA,Notification Message:$887 K,Chargeback Messages,File Trailer Message,File Header Message,Retrieval Request Messages,GCMS,Totaling$887 K,Totaling$33 K,Acknowledgement Message:$33 K,Notification Message:$33 K,清分示例二(非金融交易的处理),Acknowledgement Message:$887 K,Presentment Messages,Fee Coll

18、ection Messages,File Trailer Message,File Header Message,Cycle Cutoff,MemberA,Notification Message:$887 K,File Trailer Message,File Header Message,Retrieval Request Messages,GCMS,Totaling$887 K,Totaling$0 K,Acknowledgement Message:$0 K,清分示例三(货币转换),Acknowledgement Totals:Transaction:$887 K/Reconcilia

19、tion:$887 K,Presentment Messages,Fee Collection Messages,File Trailer Message,File Header Message,Cycle Cutoff,MemberA,Notification Message:Transaction:$887 K/Reconciliation:603 K,Chargeback Messages,File Trailer Message,File Header Message,Retrieval Request Messages,GCMS,Totaling$887K(Transaction a

20、mount),Totaling 22K(Transaction amount),Acknowledgement Totals:Transaction:22 K/Reconciliation:22 K,Notification Message:Transaction:22 K/Reconciliation:$33 K,File Header/1644:File ID 1,Transmission ID 1(individual clearing messages)(individual clearing messages)(individual clearing messages)File Tr

21、ailer/1644:File ID 1File Header/1644:File ID 2,Transmission ID 1(individual clearing messages)(individual clearing messages)(individual clearing messages)File Trailer/1644:File ID 2File Header/1644:File ID 3,Transmission ID 1(individual clearing messages)(individual clearing messages)(individual cle

22、aring 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),Cycle Cutoff,预核对文件示例,Presentment Messages,Fee Collection Messages,File Trailer Message,File Header Message,Chargeback Messages,File Trailer Message,File Header Message,Retrieval Req

23、uest Messages,Totaling$887K,Totaling$33K,Acknowledgement Message:$25 K,Notification Message:$25 K,IPM Early Reconciliation File:Acknowledgement Message:$547 KError Messages:$340 K,Error Message:$8 K,Notification Message:$547 K,IPM Early Reconciliation File:Acknowledgement Message:$25 KError Messages

24、:$8 K,Acknowledgement Message:$547 K,Error Message:$340 K,对账报表示例,交换与交换费,交换是指在一个共同的平台或标准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$0.10EDC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$0.10International Merchant UCAF:1.50%x 交易金额+每

25、笔交易US$0.10International 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$3.60ATM交易:每笔取现交易 US$1.25每笔余额查询 US$0.25,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 Car

26、dholder 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,交换与交换费注释,电子商务环境下：,交换费的支付方向,收单行,发卡行,收单行,发卡行,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,货币转换费(Multiple Currency Conversion Rate),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:Canad

27、ian Dollar(CAD)发卡行清算币种:Australian Dollar(AUD)信用卡还款币种:Australian Dollar(AUD),交换费及货币转换费的计算实例,交易假设：,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,对于收单行：,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,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,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,对于发卡行发卡行清算净额,IPM清分信息实例,1st Presentment,IPM清分信息实例,1st Present

28、ment,IPM清分信息实例,1st Presentment,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,Data Element(DE)Number,Or 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,Data Element(DE)Name,Su

29、bfield Number and Name,Private Data Subelement(PDS)Name,查阅清分信息格式定义手册,Org-Originator Requirements.The message originator must satisfy this data elements requirements before sending the message.Examples of originators include a First Presentment/1240 acquirer or a First Chargeback/1442 issuer.,M=Manda

30、toryC=ConditionalO=OptionalX=Clearing System=Not Applicable,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

31、and thereby overwrite any previous content.,M=MandatoryC=ConditionalO=OptionalX=ClearingSystem=Not Applicable,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.E

32、xamples of destinations include a First Presentment/1240 issuer or a First Chargeback/1442 acquirer.,M=MandatoryC=ConditionalO=OptionalX=Clearing System=Not Applicable,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 i

33、s required are listed in the Comments column,查阅清分信息格式定义手册,由万事达卡生成包含会员银行清分系统所需参数ICA and BIN relationshipsInterchange ratesCountry codes,currency codes,conversion ratesChargeback and retrieval request reason codesMerchant Category Codes(MCCs)Notification of ICA/BIN conversion dates,Member Profile Extract(MPE)参数文件,每日更新T067GCMS Parameter Extract DataDaily Updates T068GCMS Parameter Extract Data Full File Replace,Member Profile Extract(MPE)参数文件,