1 / 46

第七讲 持卡人管理

第七讲 持卡人管理. 为什么使用信用卡 便利 广泛接受 安全. 便利 Convenience:. 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.

raja-mccarty
Download Presentation

第七讲 持卡人管理

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. 第七讲 持卡人管理

  2. 为什么使用信用卡 • 便利 • 广泛接受 • 安全

  3. 便利 Convenience: • 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

  4. 受理 Acceptance: • 2,200万个特约商户 22 million Merchants • 87万台ATM机 870,000 ATMs

  5. 保护 Protection: I＇m OK ... I＇ve got my Visa Card ... VEAC紧急服务 VEAC Emergency Services: • 丢失/被盗卡更换 Lost/stolen card replacement • 紧急取现 Emergency cash disbursement • ATM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 Insurance • VisaPhone • 撞车/丢车损失豁免 Collision/Loss Damage Waiver

  6. 我想用我的VISA卡,但... • 不被受理I was n’ t accepted • 我的帐户状况不良My account was no good • 商户收走了我的卡The merchant took my card TOM CRUISE

  7. 卡片安全特征 Card Security Features

  8. 卡片安全特征 Card Security Features • VISA标记 VISA LOGO • 全息激光防伪鸽子标记 • DOVE HOLOGRAM • 凸印的卡号 • EMBOSSED ACCOUNT NUMBER • 预先印好的BIN • PRE-PRINTED BIN • 有效起止日期 • VALID FROM/TO?DATES • 签名 SIGNATURE • 未改动过的卡片 • UNALTERED CARD • 飞翔的V字符 FLYING｀V? • 照片(可选择) • PHOTO (OPTIONAL)

  9. X＇tra FunWear 商户受理时的违规行为 Merchant Acceptance Violations • 对不同发卡行的VISA卡有歧 • 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 • Ask for supplementary cardholder • identification information • 加收服务费 Surcharge

  10. 我想用我的VISA卡,但 I tried to use my Visa Card and... • 不被受理It wasn＇t accepted • 我的帐户状况不好 My account was no good • 商户收走我的卡 The merchant took my card TOM CRUISE

  11. 商户免授权限额 Merchant Floor Limit CARD RECOVERY BULLETIN

  12. VISA VISA BASE I VISA 授权交易流程 Authorisation Transaction Flow 持卡人 CARDHOLDER 收单行中心 ACQUIRER CENTRE 商户 MERCHANT First Bank 发卡行中心 ISSUER CENTRE Second Bank

  13. BASE I代授权处理 BASE I Stand-In Processing 交易总金额(例) Transaction Dollar Amount (Example) $200 发送给发卡行申请授权 Sent to Issuer for Authorisation 发卡行限额 Issuer $ Limit $150 可选择处理 Optional Processing (活动检查, 对批准的交易发通知 Activity Check, Advice Creation for Approvals) $100 例外文件检查 Exception File Check 通知限额 Advice $ Limit $50 $0

  14. 授权检查 Authorisation Checking 高于发卡行限额 Above Issuer Limit 发给发卡行中心 To Issuer＇s Centre 在两限额之间 Between Limits 例外文件 Exception 活动 Activity 通知 Advice 低于通知限额 Below Advice Limit 例外文件 Exception

  15. #888 正常持卡人授权服务 PCAS 商户类型 Merchant Type 现金Cash 购物 Purchases 旅行与娱乐 T&E 零售 Retail

  16. 我想用我的VISA卡,但 I tried to use my Visa Card and... • 不被受理It wasn＇t accepted • 我的帐户状况不好 My account was no good • 商户收走我的卡 The merchant took my card TOM CRUISE

  17. BASE II结算交易流程 BASE II Settlement Transaction Flow 商户 MERCHANT 收单行 ACQUIRER 持卡人帐单 CARDHOLDER BILLING 结算银行 SETTLEMENT BANK 发卡行 ISSUER BASE II

  18. 我一打开帐单，就发现 ... 我不记得有这笔交易 I don＇t recognize this transaction 交易错了 This transaction is wrong 有笔交易漏了 There is a transaction missing 收费有误 The fees/charges are wrong

  19. 我一打开帐单,发现 I just opened my statement and... • 我不记得这笔交易 I don＇t recognise this transaction • 这笔交易错了This transaction is wrong • 有笔交易遗漏 There is a transaction missing • 收费有误 The fees/charges are wrong

  20. 旅行与娱乐-迟付或补充收费 T&E - Late/Amended Charges • 公里额 Mileage • 汽车费 Valet • 汽油 Gas • 租金 Rental • 停车及超速罚款 • Parking/speeding fines • 损坏 Damages CAR HOTEL • 租金 Rental • 房间服务 Room service • 电话 Telephone • 洗衣 Laundry • 食品饮料 Food and beverage • 适用税金 Applicable taxes

  21. 货币兑换问题 Currency Conversion Issues MAY 1 2 4 5 6 7 8 9 Posting Date 过帐日 Transaction Date 交易日 Central Processing Date 中心处理日 11 12 13 14 15 16

  22. 我一打开帐单,就发现 I just opened my statement and... • 我不记得这笔交易 I don＇t recognise this transaction • 这笔交易错误 This transaction is wrong • 有笔交易遗漏There is a transaction missing • 收费有误 The fees/charges are wrong

  23. 我一打开帐单,就发现 I just opened my statement and... • 我不记得这笔交易 I don＇t recognise this transaction • 这笔交易 错误 This transaction is wrong • 有笔交易遗漏 There is a transaction missing • 收费有误The fees/charges are wrong

  24. 我不打算付款，因为… • 我不喜欢得到的东西 • 我没有收到商品／服务 • 我没有进行这笔交易 • 我的帐单收费有误

  25. 拒付原因 Chargeback Reasons • 商户错误 Merchant Error • 收单行处理错误 Acquirer Processing Error • 怀疑欺诈 Suspect Fraud • 收单行未对调阅签单的请求做出应答 Acquirer Did Not Respond to Retrieval Request

  26. 商品/服务争议 Goods/Services Disputes 我没有收到商品/服务 I didn＇t receive the goods/ services 商品/服务与描述不符 The goods/services were not as described 商品有损坏 The goods were defective 我没有收到退款 I didn＇t receive a credit

  27. 拒付原因 Chargeback Reasons • 商户错误 Merchant Error • 收单行处理错误 Acquirer Processing Error • 怀疑欺诈 Suspect Fraud • 收单行未对调阅签单的请求做出应答 Acquirer Did Not Respond to Retrieval Request

  28. 我的帐单收费有误 I＇m being billed incorrectly • 金额有误 • Incorrect amount • 帐号有误 • Incorrect account number • 重复处理 • Duplicate processing • 入帐过晚 Late posting

  29. 拒付原因 Chargeback Reasons • 商户错误 Merchant Error • 收单行处理错误 Acquirer Processing Error • 怀疑欺诈 Suspect Fraud • 收单行未对调阅签单的请求做出应答 Acquirer Did Not Respond to Retrieval Request

  30. 我没有进行这笔交 易 I didn＇t make this transaction • 未经授权的多笔交易 • Unauthorised Multiple Transactions • 没有压卡 Missing Imprint • 没有签名 Missing Signature • 邮购/电话购物 MO/TO • 已被取消的再发生交易 • Cancelled Recurring Transaction

  31. 拒付原因 Chargeback Reasons • 商户错误 Merchant Error • 收单行处理错误 Acquirer Processing Error • 怀疑欺诈 Suspect Fraud • 收单行未对调阅签单的请求做出应答 Acquirer Did Not Respond to Retrieval Request

  32. 授权问题 Authorisation Issues

  33. 什么是仲裁 What is Arbitration? 发卡行 ISSUER 收单行 ACQUIRER

  34. 什么是依从 What is Compliance? = 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 When an Operating Regulation is broken causing a financial loss to another Member and no chargeback right exists.

  35. 我想取消我的预定 I would like to cancel the reservation I made 旅行与娱乐争议裁决 T&E Resolution 旅店 Hotel

  36. 我想取消我的预定 I would like to cancel the reservation I made 旅行与娱乐争议裁决 T&E Resolution 旅店 Hotel

More Related