1、萬事達卡清分系統(tǒng)運作介紹,曾毅 2004年4月,內(nèi)容提要,萬事達卡清分處理流程及其示例 萬事達卡清分系統(tǒng)(GCMS) IPM清分信息及其實例 重要清分文件與報表說明 交換與交換費(含計算實例) 貨幣轉(zhuǎn)換費(含計算實例) 清分信息格式定義手冊說明 MPE參數(shù)文件,銀行網(wǎng)絡(luò) Banknet,銀行卡業(yè)務(wù)鏈,授權(quán)處理,清分處理,資金結(jié)算,Exchange Detail,Exchange Approval/Decline,Exchange Funds,雙信息交易處理,萬事達卡交易處理流程,雙信息交易流程流程,BANKNET,Issuer Host,Acquirer Host,POS,GCMS Settl

2、ement Bank,Request,0100,0100,0110,0110,Response,Cardholder Purchase,Notifies Net Position,A) 聯(lián)機或脫機授權(quán) B) 清分 C) 日終結(jié)算,A,C,Acquirer Receives Payment Acquirer Pays Merchant,Issuer Pays Settlement Bank,B,GCMS,Issuer Host,Acquirer Host,Outgoing Clearing,Incoming Clearing,Merchant,Drafts or EDC,萬事達卡交易處理流程,I

3、ssuing Bank,Acquiring 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,萬事達卡清分處理流程,收單行,發(fā)卡行,拒付,拒付理由碼,拒付理由,有效期,4801,4834,4842,發(fā)卡行要求調(diào)閱簽購單，但收單行未在規(guī)定時間內(nèi)提供,重復(fù)清算,60天,120天,過期請款,120天,廣告時間,4801,4834,4842,Advanc

4、ed Chargeback Training,時間: 2004年7月29日30日 地點: 北京 培訓(xùn)機構(gòu): MasterCard Dispute Resolution Management (DRM) Department,調(diào)單,發(fā)卡行調(diào)閱持卡人簽購單的基本原因: 持卡人要求調(diào)閱 發(fā)卡行要求調(diào)閱，為拒付提供依據(jù) 協(xié)助司法調(diào)查或銀行自身之欺詐交易調(diào)查 收單行須按照發(fā)卡行的要求，在規(guī)定時間內(nèi)提供簽購單原件、清晰的復(fù)印件、或其他替代單據(jù),發(fā)卡行通過萬事達卡清分系統(tǒng)(GCMS)發(fā)出調(diào)單請求(Retrieval Request/1644-603) 收單行須于30日內(nèi)通過MasterCom系統(tǒng)向發(fā)卡行提供

5、相應(yīng)的簽購單復(fù)印件 發(fā)卡行有權(quán)在收到簽購單復(fù)印件之日起10日內(nèi)對該單據(jù)作出拒絕響應(yīng) 若發(fā)卡行對收單行提供的單據(jù)作出拒絕響應(yīng)，則MasterCom Image Review將對該單據(jù)進行審查，從而最終確定其有效性,調(diào)單流程,Global Clearing Management System (GCMS),萬事達卡清分系統(tǒng),由萬事達卡建立并運營的集中式清分處理系統(tǒng) 負責(zé)對所有通過萬事達卡國際網(wǎng)絡(luò)完成的交易進行清分處理 根據(jù)業(yè)務(wù)需要，每年更新2次(GCMS 04.1版 北京時間2004年4月2日 22:00PM),清分周期,金融交易信息分類,金融交易信息遵循IPM格式 (ISO8583-1993)

6、金融交易信息類型由MTI和DE24共同標(biāo)識,Financial Message NameMTIDE24 First presentments1240200 First chargebacks (full)1442450 First chargebacks (partial)1442453 Second presentments (full)1240205 Second presentments (partial)1240282 Arbitration chargebacks (full)1442451 Arbitration chargebacks (partial)1442454 Fee c

7、ollection (Member-generated)1740700 Fee collection (Return)1740780 Fee collection (Resubmission)1740781 Fee collection (Arbitration Return)1740782 Fee collection (Clearing system-generated)1740783,對賬信息,MTI - Function Code: 1644 - 680,File Currency Summary 信息,清分文件 交易幣種,分類匯總口徑:,匯總值：借方發(fā)生額、貸方發(fā)生額、軋差凈額,參與

8、分類匯總的交易類型:,Presentment/1240 Chargeback/1442 Fee Collection/1740,MTI - Function Code: 1644 - 685,Financial Position Detail 信息,提供多達9種分類匯總口徑，從而對會員銀行在任一清分周期的金融交易活動提供更為詳盡的分類匯總信息 匯總值：借方發(fā)生額、貸方發(fā)生額、軋差凈額,Financial Position Detail 信息, File ID (僅適用于Acknowledgments) Settlement Indicator Original/Reversal Process

9、ing Code Transaction Currency Member Activity Issuer Account Range Business Service/IRD Transaction Function,分類匯總口徑：,1. File ID 依邏輯文件ID匯總(僅適用于acknowledgements) 示例: 001/040601/00000001867/01102 2. Settlement Indicator 依結(jié)算方式(MasterCard settled, Bilateral, or Collection Only),Financial Position Detail

10、信息,分類匯總口徑：,001: 清分文件自GCMS發(fā)送至?xí)T銀行 002: 清分文件自會員銀行發(fā)送至GCMS 003: 預(yù)核對文件自GCMS發(fā)送至?xí)T銀行,清分周期,3. Original/Reversal Indicator 依原始交易/沖證交易分類 4. Processing Code from DE 3 values 依交易類型(示例: 00 - Purchase, 01 - ATM, 12 - Cash Disbursement, 18 - Unique, 19 - Fee Collection/ credit, 20 - Credit Transaction, 29 - Fee Co

11、llection/debit),Financial Position Detail 信息,分類匯總口徑：,5. Transaction Currency 依交易幣種,注: 所有Financial Position Detail信息均包含以會員銀行清算貨幣表示的分類匯總金額.,Financial Position Detail 信息,分類匯總口徑：,6. Member Activity 依會員銀行的交易活動類型 (Acquiring/Issuing/ Fee collection) 7. Account Range 依卡號范圍 (例如: 5412-3456-780X-XXXX 至 5412-34

12、56-789X-XXXX),Financial Position Detail 信息,分類匯總口徑：,8. Business Activity 依業(yè)務(wù)活動類型 (詳見PDS0158之定義: 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: Interna

13、tional Electronic),Financial Position Detail 信息,分類匯總口徑：,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,分類匯總口徑：,更多的分類匯總口徑 = 更多的對賬信息 GCMS為多種口徑的每一組合生成一條Financial Po

14、sition Detail 信息 默認的分類匯總口徑 File ID (僅適用于Acknowledgments), Settlement Indicator, Original/Reversal, Processing Code 必選口徑 Settlement Indicator category,Financial Position Detail 信息,小結(jié)：,非金融交易信息分類,沖銷單筆交易 在原交易信息的基礎(chǔ)上增加Message Reversal Indicator (PDS 0025)，且其第1子域取值為“R”，第2子域為萬事達卡清分系統(tǒng)處理原交易的日期。 沖銷整個清分文件 在原清分文

15、件的File Header/1644-697中增加File Reversal Indicator (PDS 0026)，且其第1子域取值為“R”，第2子域為萬事達卡清分系統(tǒng)處理原清分文件的日期。,沖證,清分數(shù)據(jù)流,Chargeback Messages,Fee Collection Messages,File Trailer Message,File Header Message,Retrieval Request Messages,Acknowledgement Messages,Notification Messages,Presentment Messages,Fee Collectio

16、n Messages,File Trailer Message,File Header Message,GCMS,Cycle Cutoff,Cycle Cutoff,MemberA,Presentment Messages,Fee Collection Messages,File Trailer Message,File Header Message,Chargeback Messages,Fee Collection Messages,File Trailer Message,File Header Message,Retrieval Request Messages,Notificatio

17、n Messages,Acknowledgement Messages,清分示例一,Acknowledgement Message: $887 K,Presentment Messages,Fee Collection Messages,File Trailer Message,File Header Message,Cycle Cutoff,MemberA,Notification Message: $887 K,Chargeback Messages,File Trailer Message,File Header Message,Retrieval Request Messages,GC

18、MS,Totaling $887 K,Totaling $33 K,Acknowledgement Message: $33 K,Notification Message: $33 K,清分示例二(非金融交易的處理),Acknowledgement Message: $887 K,Presentment Messages,Fee Collection Messages,File Trailer Message,File Header Message,Cycle Cutoff,MemberA,Notification Message: $887 K,File Trailer Message,Fi

19、le Header Message,Retrieval Request Messages,GCMS,Totaling $887 K,Totaling $0 K,Acknowledgement Message: $0 K,清分示例三(貨幣轉(zhuǎn)換),Acknowledgement Totals: Transaction: $887 K / Reconciliation: $887 K,Presentment Messages,Fee Collection Messages,File Trailer Message,File Header Message,Cycle Cutoff,MemberA,No

20、tification Message: Transaction: $887 K / Reconciliation: 603 K,Chargeback Messages,File Trailer Message,File Header Message,Retrieval Request Messages,GCMS,Totaling $887K (Transaction amount),Totaling 22K (Transaction amount),Acknowledgement Totals: Transaction: 22 K / Reconciliation: 22 K,Notifica

21、tion 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 Trailer/1644: File ID 1 File Header/1644: File ID 2, Transmission ID 1 (individual clearing message

22、s) (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 3,萬事達卡清分文件,邏輯文件 Logical File (File) 物理文

23、件 Physical File (Bulk File),重要清分文件 (批處理文件),Cycle Cutoff,預(yù)核對文件示例,Presentment Messages,Fee Collection Messages,File Trailer Message,File Header Message,Chargeback Messages,File Trailer Message,File Header Message,Retrieval Request Messages,Totaling $887K,Totaling $33K,Acknowledgement Message: $25 K,No

24、tification Message: $25 K,IPM Early Reconciliation File : Acknowledgement Message: $547 K Error Messages: $340 K,Error Message: $8 K,Notification Message: $547 K,IPM Early Reconciliation File : Acknowledgement Message: $25 K Error Messages: $8 K,Acknowledgement Message: $547 K,Error Message: $340 K,

25、對賬報表示例,交換與交換費,交換是指在一個共同的平臺或標(biāo)準(zhǔn)上信息和交易的互換與共享。任何交換首先都必須有一個共同的標(biāo)準(zhǔn)。交換費率是指收單行與發(fā)卡行之間分配利潤的一定比例，目前萬事達卡的交換費率如下: 手工單(ISI):1.69% x 交易金額 + 每筆交易US$0.10 EDC交易(IEI):1.16% x 交易金額 International Full UCAF:1.60% x 交易金額 + 每筆交易US$0.10 International Merchant UCAF:1.50% x 交易金額 + 每筆交易US$0.10 International Payment Transaction:

26、0.19% x 交易金額 + 每筆交易US$0.53 銀行柜臺取現(xiàn):0.09% x 交易金額 + 每筆交易US$3.60 ATM交易:每筆取現(xiàn)交易 US$1.25 每筆余額查詢 US$0.25,International Full UCAF: 收單行及其商戶均能支持基于UCAF (Universal Cardholder Authentication Field)的持卡人認證方式，并且持卡人正是通過該方式得以認證 International Merchant UCAF: 收單行及其商戶均能支持基于UCAF (Universal Cardholder Authentication Field)的

27、持卡人認證方式，但是持卡人并非通過該方式得以認證,交換與交換費注釋,電子商務(wù)環(huán)境下：,交換費的支付方向,收單行,發(fā)卡行,收單行,發(fā)卡行,向發(fā)卡行收取 當(dāng)交易幣種、發(fā)卡行清算幣種和信用卡幣種不完全相同時收取 在Wholesale匯率的基礎(chǔ)上加收固定比例的MCCR(1.1%)經(jīng)MCCR調(diào)整后的實際匯率,貨幣轉(zhuǎn)換費(Multiple Currency Conversion Rate ),Purchase交易 1st Presentment 交易幣種: New Zealand Dollar (NZD) 交易金額: NZD 1,000 收單行清算幣種: Canadian Dollar (CAD) 發(fā)卡行

28、清算幣種: Australian Dollar (AUD) 信用卡還款幣種: Australian Dollar (AUD),交換費及貨幣轉(zhuǎn)換費的計算實例,交易假設(shè)：,交換費及貨幣轉(zhuǎn)換費的計算實例,對于收單行：,交換費及貨幣轉(zhuǎn)換費的計算實例,對于收單行：,交換費及貨幣轉(zhuǎn)換費的計算實例,對于發(fā)卡行持卡人還款金額,交換費及貨幣轉(zhuǎn)換費的計算實例,對于發(fā)卡行持卡人還款金額,交換費及貨幣轉(zhuǎn)換費的計算實例,對于發(fā)卡行發(fā)卡行清算凈額,交換費及貨幣轉(zhuǎn)換費的計算實例,對于發(fā)卡行發(fā)卡行清算凈額,IPM清分信息實例,1st Presentment,IPM清分信息實例,1st Presentment,IPM清分信息實

29、例,1st Presentment,IPM清分信息實例,錯誤: TIMELINESS ERROR (錯誤代碼: 0670),Interchange Rate Designator: 83 IEI: 1.16% 85 ISI: 1.69% + USD 0.10,查閱清分信息格式定義手冊,Data Element (DE) Number,Or Private Data Subelement (PDS) Number. Private Data Subelement numbers are prefaced with a “p”.,查閱清分信息格式定義手冊,Data Element (DE) Nam

30、e,Subfield Number and Name,Private Data Subelement (PDS) Name,查閱清分信息格式定義手冊,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 issue

31、r.,M= Mandatory C= Conditional O= Optional X= Clearing System = Not Applicable,查閱清分信息格式定義手冊,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=