万事达卡清分系统运作介绍.ppt

万事达卡清分系统运作介绍 内容提要 万事达卡交易处理流程 调单 调单流程 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 对账信息 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 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) 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) Financial Position Detail 信息 5. Transaction Currency 依交易币种 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) 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) 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) Financial Position Detail 信息 更多的分类汇总口径 = 更多的