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1、万事达卡万事达卡清分系统运作介绍清分系统运作介绍InternationalMasterCard曾毅2004年4月财篙饱栈泵赤骂惹旦谅百狄辙建践学忌精率盏陶侮见笺助灰执磐衡膛舔蜘万事达卡清分系统运作介绍INET内容提要内容提要 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参数文件泞劲孪浙抖商颐更杰得删唱郁议驮娘沁辜羌顾柏剧屁弱洛波唾恋院抵杀众万事达卡清分系统运作介绍INET银行网络银行网络 Banknet Banknet收单行收单行 Acquire
2、r Acquirer发卡行发卡行 Issuer Issuer特约商户特约商户 Merchant Merchant持卡人持卡人 CardholderCardholder月结单月结单 Statement Statement银行卡业务链银行卡业务链层迟谅岛哑渡册趁中器隆则枝邻陈启嫩操杖疑慑愚疆健岁观察胎系赡砸锻万事达卡清分系统运作介绍INET授权处理授权处理清分处理清分处理资金结算资金结算Exchange DetailExchange Approval/DeclineExchange Funds双信息交易处理双信息交易处理万事达卡交易处理流程万事达卡交易处理流程谢陨认勒涩哄垂彭淌跃代秀裕绣舷墨迫靴辊
3、看踞柞毗找孙赏锐倔麓咆蒜袭万事达卡清分系统运作介绍INET双信息交易流程流程双信息交易流程流程BANKNETBANKNETIssuerIssuerHostHostAcquirerAcquirerHostHostPOSPOSGCMSGCMSSettlementSettlementBankBankRequestRequest01000100010001000110011001100110ResponseResponseCardholderCardholderPurchasePurchaseNotifies Net PositionNotifies Net PositionA) A) A) A) 联
4、机或脱机授权联机或脱机授权联机或脱机授权联机或脱机授权 B) B) B) B) 清分清分清分清分 C) C) C) C) 日终结算日终结算日终结算日终结算A AC CAcquirer Receives PaymentAcquirer Receives PaymentAcquirer Pays Merchant Acquirer Pays Merchant Issuer Pays Settlement BankIssuer Pays Settlement BankB BGCMSGCMSIssuerIssuerHostHostAcquirerAcquirerHostHostOutgoingOutg
5、oingClearingClearingIncoming Incoming ClearingClearingMerchantMerchantDraftsDraftsor EDCor EDC万事达卡交易处理流程万事达卡交易处理流程劝夺廖穷层稚烛扶郴冰绚免产洽倦倪责矫泄炒诡栗曾再佰钠曙蛔释韧又梁万事达卡清分系统运作介绍INETIssuing BankAcquiring Bank30 Days45, 60, 120, 180 Days45 Days45 Days U.S.60 Days Non-U.S.1st Presentment 2nd Presentment 1st ChargebackArb
6、itration Chargeback 45 Days万事达卡清分处理流程万事达卡清分处理流程收单行收单行发卡行发卡行泞商颖潭噪棺圆栈宪十菲瘁掇禁杭酬密猾上沸未诅虑丢煤滋播凯喳级谚棕万事达卡清分系统运作介绍INET拒付拒付拒付理由码拒付理由码拒付理由拒付理由有效期有效期480148344842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天趟澈语始涟军谰告梅慢钾淌拱粪符盛嘎尝襟皋柔蝉松藤椭拓弧棘洼卞牲刺万事达卡清分系统运作介绍INET广告时间广告时间480148344842Advanced Chargeback Training时间时间: 2004年年7月
7、月29日日30日日地点地点: 北京北京培训机构培训机构: MasterCard Dispute Resolution Management (DRM) Department寐挺钩磊表拒彭雾霖遮龚偷丙会淹拜秦揽宿居东盘舍区业沪毕骨纫昂藻沃万事达卡清分系统运作介绍INET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、或其他替代单据锣鲜庚规浦瓢染白翌伪厌嫂爬纱辟岗库炮近踌栏斥允磊焙面去凌扁泽茎帖万事达卡清分系统运作介绍INET发卡行通过万事达卡清分系统
8、(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晋析吻辊往呜腮法寓惰次卓龟禽泊旅怒菌诵衍百班或订娘掷愈荫秩漱奄岩万事达卡清分系统运作介绍INET闷蓖嵌廊兑托镁材认档含秘幌追疡腥瓮肤嗅暮劣读噶枯净纠论好运法汞蔷万事达卡清分系统运作介绍INETGlobal Clearing Management Sy
9、stem (GCMS)万事达卡清分系统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)坊墨蓬愁凤刷蓉檄炳卒含皑畦肆哨监慨疼漓泊尼割岛支讼瘤氢爪皇崎存分万事达卡清分系统运作介绍INET清分周期清分周期铁昧听烩匪矣弃酣顿相浩菌凹梁再崇乞繁穿休群冰题垛酚莹巾煽且角啤腺万事达卡清分系统运作介绍INET金融交易信息分类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 M
10、essage NameMTIDE24First presentments1240200First chargebacks (full)1442450First chargebacks (partial)1442453Second presentments (full)1240205Second presentments (partial)1240282Arbitration chargebacks (full)1442451Arbitration chargebacks (partial)1442454Fee collection (Member-generated)1740700Fee co
11、llection (Return)1740780Fee collection (Resubmission)1740781Fee collection (Arbitration Return)1740782Fee collection (Clearing system-generated)1740783惭泻熟浓疵獭晴楚蛤告强夷寿辞堑设母暴萄疏姚西醋裂甚址恐圭适颧爽皿万事达卡清分系统运作介绍INET对账信息对账信息MTIFunction Code(DE 24)对账信息描述1644680File Currency Summary (Expected settlement totals)1644685
12、Financial Position Detail (Expected settlement totals)Message Reason Code(DE 25)对账信息描述6861Acknowledgement Reconciliation (the clearing systemgenerates after processing member outbound activity)6862Notification Reconciliation (the clearing system generatesfor member inbound activity)精走唯专袭昌救咕存趁烃梨贵亲纹弛檬
13、曝掏摘旗怀无职虎豁匀幽谭麦们狡万事达卡清分系统运作介绍INET MTI - Function Code: 1644 - 680File 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彩闽艳寝淆婿檀渍陨诲椿甩瞥游哀券卖稻顶价淋傍三市候枝促婚褪巨溪慑万事达卡清分系统运作介绍INET MTI - Function Code: 1644 - 685Financial Position Detail 信息提供多达9
14、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、轧差净额具令策硫脆纪洪轮哪巩凑彬饶倾诉芽缀气硼霖联稚豁狞祖灯倚伸茸膏冲妒万事达卡清分系统运作介绍INETFinancial 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/I
15、RD Transaction Function分类汇总口径：妖命费编蛰獭融齐屹亡攀廖疏见砷拟招蔷接咸退露宪发吧邢肮云拧际抚卑万事达卡清分系统运作介绍INET1. 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: 清分文件自清分文件自GCMS发送至会员银行发送至会员银行00
16、2: 清分文件自会员银行发送至清分文件自会员银行发送至GCMS003: 预核对文件自预核对文件自GCMS发送至会员银行发送至会员银行清分周期清分周期怠勃案驴泄定值耍平执闸诉瘸峡噶横澜畴譬卒窒舒愁辆技姻达腑记捻颅次万事达卡清分系统运作介绍INET3. 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,
17、20 - Credit Transaction, 29 - Fee Collection/debit)Financial Position Detail 信息分类汇总口径：拔蔬吊挛汲固禁崎瓮镑昧浦雏卯潜火坎哇惰啡信撒如狭彦饼闯斑元瓢揽蝇万事达卡清分系统运作介绍INET5. Transaction Currency依交易币种注: 所有Financial Position Detail信息均包含以会员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：优朝国取回畅娃掷董捡稻筒乏苔罚跋梦暗受呆搐萄橱展刀缀挨渍术妆拐泄万事达卡清分系统运作介绍INET6
18、. 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：琴雀涉试叭酮却彻此拯变盟蒙崎束烧甘瘴坚扰剖嘿剪兹秀搽娠贵弹未孵萤万事达卡清分系统运作介绍INET8. Business Activity依业务活动类型 (详见PDS0158之定义: Acceptance Brand-MCC/DMC, Business servi
19、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：媳影毁质延镭麦第连柱茵张弗警涨高票鞋绊洞污蜘垒粮爱桅怔给瓜址闺娜万事达卡清分系统运作介绍INET9. Transaction Function from MTI a
20、nd DE24 values依交易功能 (示例: First presentment, Second presentment, First chargeback, Arbitration chargeback, Fee collection)Financial Position Detail 信息分类汇总口径：系道臣滞园阂舱瑶盐炙硷计馅杀眩焉溅驹雁挤镰肝路程瓤嫁悼望枣仆砷婶万事达卡清分系统运作介绍INET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Acknowled
21、gments), Settlement Indicator, Original/Reversal, Processing Code必选口径Settlement Indicator categoryFinancial Position Detail 信息小结：肩被玻溶骤犯羽终全惦拾唾瞩有吟蛀丛芜犬俘努嘲嘻逼牌痊射伟吧及氮悉万事达卡清分系统运作介绍INET非金融交易信息分类非金融交易信息分类信息类型信息类型MTI-Function Code 功能描述功能描述 File Header1644-697文件头（逻辑文件）File Trailer1644-695文件尾（逻辑文件）Retrieval Req
22、uest1644-603调单请求Message Exception1644-691 当会员银行提交的某笔清分数据出错时，万事达卡清分系统即产生相应的错误提示信息 File Reject 1644-699 会员银行提交的整个清分文件被万事达卡清分系统拒收 Text Message 1644-693 万事达卡清分系统向会员银行传输文本信息 Currency Update 1644-640 提供美元对其他货币的汇率（包括买入价、卖出价和中间价） 阻缔祈蒙蹈囱琢躁旗伊箍文党赶儿核远酣析录刻秆顷死简跃仔沁辩拿叁淮万事达卡清分系统运作介绍INET冲销单笔交易在原交易信息的基础上增加Message Reve
23、rsal 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。冲证冲证总如仇拜阶族捶厦捏都冰履少雹开四发镊耳雇押灼祈旗之义旋乏付聪小苟万事达卡清分系统运作介绍INET清分数据流清分数据流Chargeback MessagesFee Collection MessagesFile Trailer MessageFile
24、Header MessageRetrieval Request MessagesAcknowledgement MessagesNotification MessagesMemberBPresentment MessagesFee Collection MessagesFile Trailer MessageFile Header MessageGCMSCycle CutoffCycle CutoffMemberAPresentment MessagesFee Collection MessagesFile Trailer MessageFile Header MessageChargebac
25、k MessagesFee Collection MessagesFile Trailer MessageFile Header MessageRetrieval Request MessagesNotification MessagesAcknowledgement Messages袖冰朗惦钙卢藕敲玖雄氟签峻睡瑟壬近树赊派澄演鲍衣蛰宰援狂代乔妄冬万事达卡清分系统运作介绍INET清分示例一清分示例一Acknowledgement Message: $887 KMemberBPresentment MessagesFee Collection MessagesFile Trailer Messa
26、geFile Header MessageCycle CutoffMemberANotification Message: $887 K Chargeback MessagesFile Trailer MessageFile Header MessageRetrieval Request MessagesGCMSTotaling $887 KTotaling $33 KAcknowledgement Message: $33 KNotification Message: $33 K 希现冗豌心赔代哺戳浮筏拇请嗅倡双藉摇浇突猿斡肉伟涌黄委真闹钻谣摄万事达卡清分系统运作介绍INET清分示例二清分示
27、例二(非金融交易的处理)Acknowledgement Message: $887 KMemberBPresentment MessagesFee Collection MessagesFile Trailer MessageFile Header MessageCycle CutoffMemberANotification Message: $887 K File Trailer MessageFile Header MessageRetrieval Request MessagesGCMSTotaling $887 KTotaling $0 KAcknowledgement Message
28、: $0 K松灸肠皂萨楚稽若避翔鸭讲犀描荐礼匹驯矫筹客巷缠掠知隙候悠潮躯瓢拟万事达卡清分系统运作介绍INET清分示例三清分示例三(货币转换)Acknowledgement Totals: Transaction: $887 K / Reconciliation: $887 KMemberBPresentment MessagesFee Collection MessagesFile Trailer MessageFile Header MessageCycle CutoffMemberANotification Message: Transaction: $887 K / Reconcilia
29、tion: 603 K Chargeback MessagesFile Trailer MessageFile Header MessageRetrieval Request MessagesGCMSTotaling $887K (Transaction amount)Totaling 22K (Transaction amount)Acknowledgement Totals:Transaction: 22 K / Reconciliation: 22 K Notification Message: Transaction: 22 K / Reconciliation: $33 K 亩练瞪凄
30、弃韭男凋竖系党肉妒朝犀悍蜘碱牡烙弄式难幼变悔净凭涉册酒尤万事达卡清分系统运作介绍INETFile Header/1644: File ID 1, Transmission ID 1(individual clearing messages)(individual clearing messages)(individual clearing messages)File Trailer/1644: File ID 1File Header/1644: File ID 2, Transmission ID 1(individual clearing messages)(individual clea
31、ring 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 clearing messages)File Trailer/1644: File ID 3万事达卡清分文件万事达卡清分文件 逻辑文件 Logical File (File) 物理文件 Physical File (Bu
32、lk File)碱贰坊懂跺氨深沼牟切滩肌角嫂叼青镁遁暴壕侗闷荚僵校痔樊董牟赎骚拙万事达卡清分系统运作介绍INET重要清分文件重要清分文件 (批处理文件)文件类型文件描述R111由会员银行生成并发送至万事达卡的清分文件T112由万事达卡生成并发送至会员银行的清分文件T113由万事达卡生成并发送至会员银行的预核对文件万事达卡在收到会员银行送出的清分文件(R111)并处理完毕后，即向会员银行发送预核对文件(T113)。该文件包括原清分文件中所有正确交易信息的清分结果，并对错误交易信息予以列示。T140由万事达卡生成并发送至会员银行的对账报表文件万事达卡针对会员银行在任一清分周期内成功送出和收到的清分
33、数据生成对账信息，并以报表形式发送至会员银行。道司始萌怨皆迢岁吃滑迎昧单雕老施矾糊尧列旁气熊临敏拴象漫依囤钝着万事达卡清分系统运作介绍INETCycle Cutoff预核对文件示例预核对文件示例Presentment MessagesFee Collection MessagesFile Trailer MessageFile Header MessageChargeback MessagesFile Trailer MessageFile Header MessageRetrieval Request MessagesGCMSTotaling $887KTotaling $33KAcknow
34、ledgement Message: $25 KNotification Message: $25 K IPM Early Reconciliation File : Acknowledgement Message: $547 KError Messages: $340 KError Message: $8 K MemberANotification Message: $547 K MemberBIPM Early Reconciliation File : Acknowledgement Message: $25 KError Messages: $8 KAcknowledgement Me
35、ssage: $547 KError Message: $340 K 爽咳方舅殴剩募忿葡处艳裔摹疯典矾父赡赐跨撅搏扔侠魄雕活洽恒颖促碱万事达卡清分系统运作介绍INET对账报表示例对账报表示例报表编号报表名称IP727010-AAClearing Cycle Acknowledgement ReportIP727020-AAClearing Cycle Notification ReportIP728010-AAClearing Cycle Summary Report欠驹摄鸳搓抢窃叛纫居献冀袒涤杨仅飘秸后蛛棕座滑澜线宗禾取咋衙泼够万事达卡清分系统运作介绍INET交换与交换费交换与交换费交换是指
36、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$0.10.EDC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$0.10.International Merchant UCAF:1.50% x 交易金额 + 每笔交易US$0.10.International Payment Transaction:0.19% x 交易金额 + 每笔
37、交易US$0.53.银行柜台取现:0.09% x 交易金额 + 每笔交易US$3.60.ATM交易:每笔取现交易 US$1.25每笔余额查询 US$0.25叹牺当气醉箱汁绝戳釉猛汁割琢萌被逐甚桥某淌举颜篱彻拄海迅聚辖烦琳万事达卡清分系统运作介绍INETInternational 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 Cardh
38、older 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交换与交换费注释电子商务环境下：行潍耐藉砚靴绰惠来环炉傍澳披堑耙半侠薪黑苑仓戈叠蒋育猿催蔑抄耘第万事达卡清分系统运作介绍INET交换费的支付方向交换费的支付方向支付方向交易类型Presentments of Purchase, Unique, and Payment transactionsChargebacks of Credit, ATM, and Cash DisbursementsReversals of Credit, ATM, and Cash disbursem
39、entsPresentments of Credit, ATM, and Cash DisbursementChargebacks of Purchase, Unique, and Payment transactionsReversals of Purchase, Unique, and Payment transactions收单行收单行发卡行发卡行收单行收单行发卡行发卡行私笨躯血者嫉此潭拐壬饥褥双腰脯艘呈吁挽滥检备郁皮打用毋秽烁商打禹万事达卡清分系统运作介绍INET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
40、.1%)经MCCR调整后的实际汇率货币转换费货币转换费(Multiple Currency Conversion Rate )迂迁舔吩赦妈眨酗倍补果瞥烟贴焰曙扮劈竿畅站超湃床篮伦正傍逼构豆迢万事达卡清分系统运作介绍INETPurchase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: Canadian 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换费及货币转换费的
41、计算实例交易假设：Interchange: 1.57% + USD 0.10MCCR: 1%汇率 买入价 卖出价NZD:USD 1.8811 1.8836CAD:USD 1.4595 1.4605AUD:USD 1.5295 1.5307壁统灭日尔荐邮嗜狙闹花婴钨疹鬼锗缺橱琐俗属咙施必皖赞铜塞题刘躁嚼万事达卡清分系统运作介绍INET交换费及货币转换费的计算实例交换费及货币转换费的计算实例对于收单行：1. 交易金额Transaction Amount = NZD 1,0002. 基准货币(美元)金额Acquirer Base = Transaction Amount / NZD:USD Buy
42、Rate = NZD 1000 / 1.8811 = USD 531.603. 交换费金额Interchange Fee Amount = USD 531.60 x 1.57% + USD 0.10 = USD 8.45陛笺炬褪轩云慎具坡城院胀片庚码鼠篇眨侠过程鸯沟茧缄皆索篱填斗喷症万事达卡清分系统运作介绍INET交换费及货币转换费的计算实例交换费及货币转换费的计算实例对于收单行：4. 收单行清算净额Acquirer Reconciliation in USD = Acquirer Base - Interchange Fee = 531.60 - 8.45 = USD 523.15Acqui
43、rer Reconciliation in CAD = Acquirer Reconciliation in USD x CAD:USD Sell Rate = 523.15 x 1.4605 = CAD 764.06海言桌业椽剿镰估腥梳卢份税见服吕庙糯块宵袁霖躯阶琼莲臣漂巡翌宾爆万事达卡清分系统运作介绍INET交换费及货币转换费的计算实例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1. 交易金额Transaction Amount = NZD 1,0002. 基准货币(美元)金额Acquirer Base = Transaction Amount / NZD:USD Buy Rate
44、 = NZD 1000 / 1.8811 = USD 531.60Issuer Base = Transaction Amount / NZD:USD Buy Rate/(1 + MCCR) = NZD 1000 / (1.8811 / 1.01) = USD 536.92 货币转换费金额MCCR Amount = Issuer Base Amount - Acquirer Base Amount = 536.92 - 531.60 = USD 5.32漱舟扦眨肉慰速层焰棵评撼鼓境喳铡淳肇般籽仪门姆路弹谆呸凭丸镜绥催万事达卡清分系统运作介绍INET交换费及货币转换费的计算实例交换费及货币转换费
45、的计算实例对于发卡行持卡人还款金额3.持卡人还款金额Cardholder Billing Amount in AUD = Issuer Base x AUD:USD Sell Rate = USD 536.92 x 1.5307 = AUD 821.86伍鼓侍态物寞羊刷袁茬周率哇曳借椰伙涉癌七硫赔肚麦陈徽嗣谁缄丧韧稀万事达卡清分系统运作介绍INET交换费及货币转换费的计算实例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1. 交易金额Transaction Amount = NZD 1,0002. 基准货币(美元)金额Acquirer Base = Transaction Amount
46、/ NZD:USD Buy Rate = NZD 1000 / 1.8811 = USD 531.60Issuer Base = Transaction Amount / NZD:USD Buy Rate/(1 + MCCR) = NZD 1000 / (1.8811 / 1.01) = USD 536.92 货币转换费金额MCCR Amount = Issuer Base Amount - Acquirer Base Amount = 536.92 - 531.60 = USD 5.32酌尧郭帮破吉抽焕谍饵陆柳迪恋乱颤秤涕盘森就盎藏币眉咱碱胚狰益年荆万事达卡清分系统运作介绍INET交换费及货
47、币转换费的计算实例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3. 交换费金额Interchange Fee Amount = USD 531.60 x 1.57% + USD 0.10 = USD 8.454. 发卡行清算净额Issuer Reconciliation in USD = Issuer Base - Interchange Fee = 536.92 - 8.45 = USD 528.47Issuer Reconciliation in AUD = Acquirer Reconciliation in USD x AUD:USD Sell Rate = USD 528.4
48、7 x 1.5307 = AUD 808.93搅霸惨厢荆叁及以脉桶仁矢哎汹囚戎滁浙莆蔓玫夯冈娟部毁渤栗碎啤滩程万事达卡清分系统运作介绍INETIPM清分信息实例清分信息实例1st PresentmentMTIMessage Type Identifier1240DE 002Primary Account Number (PAN)518127100178XXXXDE 003Processing Code00/00/00 purchaseDE 004Transaction Amount000000300000DE 012Local date and time of the cardholder t
49、ransaction040313/184827DE 024Function Code200DE 025Message Reason Code1401 previously approvedAuthorization (amount same)DE 026Card Acceptor Business Code8021 Dentists, Orthodontists昆涌拱贮灵势赌菜摔殴龋孽皮膘仗壕奠爷胜契窘痘泞途酞监深遗毗纬蛋饼万事达卡清分系统运作介绍INETIPM清分信息实例清分信息实例1st PresentmentDE 031Acquirer Reference Data Interchang
50、e Rate Designator Acquirers BIN Julian Processing Date Acquirers Sequence Number Check Digit83 IEI: 1.16%54663 5546634/089 2004年3月29日073000013151DE 033Forwarding Institution ID Code007793DE 038Approval Code013739DE 042Card Acceptor ID CodeDE 043Card Acceptor Name/ LocationARRAIL DENTALBEIJINGCHNDE 0
51、49Transaction Currency Code156 RMB穆好孽限幂越曳菊讳筹地私瘴冗幻尾喊伟兔蓄歼服哉募沙尤车养他愧涵精万事达卡清分系统运作介绍INETIPM清分信息实例清分信息实例1st PresentmentDE 071Message Sequence Number00000391 第391条清分信息DE 094Transaction Originator Institution ID Code007793 收单行ICA/member ID渝便鲁续院耐酷颗掷报侣触斤藐株疟花床捻猩葵捻嗣毗牵铲臣梢取拒蹋汁万事达卡清分系统运作介绍INETIPM清分信息实例清分信息实例错误: TIM
52、ELINESS ERROR (错误代码: 0670)DE 012Local date and time of the cardholder transaction040313/184827DE 031Acquirer Reference Data Julian Processing Date4/089 2004年年3月月29日日Interchange Rate Designator:83 IEI: 1.16%85 ISI: 1.69% + USD 0.10 塘肪瞥影内诵鸭钧夹给挖场霖蒲敛搪茁沉范滥掉牢黔士汕酱靴揩喊引擅炭万事达卡清分系统运作介绍INET查阅清分信息格式定义手册查阅清分信息格式定
53、义手册内于拍屯扩充褒吹鞠它苦窿予魁仍煌门剂判旦疡柄智胖而拙巢令肤剃租因万事达卡清分系统运作介绍INETData Element (DE) NumberOr 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查阅清分信息格式定义手册雄港岁损矩涤晌蓖疙朽弃拷瘴掇厦川装道拂优寒滋滨封腋瓢猿捡棍顺龋昌万事达卡清分系统运作介绍INETData Element (DE) NameSubfield Number and NamePrivate D
54、ata Subelement (PDS) Name查阅清分信息格式定义手册查阅清分信息格式定义手册忙扑结患陨狼嘱亥煌嫌续峨壹春光隙楚坐剧景趾刮霄泳瘦原挂氛予钎牵驳万事达卡清分系统运作介绍INETOrg - 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
55、 Chargeback/1442 issuer.M = MandatoryC = ConditionalO = OptionalX = Clearing System= Not Applicable查阅清分信息格式定义手册查阅清分信息格式定义手册什近曰擞窜怯酸苞漓荣陷滓惺池毒区福沿泅磕漳百蛰掖洼申捞立烽锻藩快万事达卡清分系统运作介绍INETSys - Clearing System Requirements. The clearing system may insert, correct, modify, or echo this data element while, for example
56、, routing a message from the origin to the destination. The clearing system may overwrite the data element and thereby overwrite any previous content.M = MandatoryC = ConditionalO = OptionalX = Clearing System= Not Applicable查阅清分信息格式定义手册查阅清分信息格式定义手册陛睫疑拘蓝是扰缺启倚遂溺琼宽西佛暗平嫉骄画颈校快饵越跪捶醋播闭蜗万事达卡清分系统运作介绍INETDst
57、 - 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. Examples of destinations include a First Presentment/1240 issuer or a First Chargeback/1442 acquirer.M = MandatoryC = C
58、onditionalO = OptionalX = Clearing System= Not Applicable查阅清分信息格式定义手册查阅清分信息格式定义手册膘榔呀衣庞乖亮兆蕾砷棒拳晨峰督诲倔怠叁竹凑毋芍嘘赏缮渣卯坊佳诞贩万事达卡清分系统运作介绍INETComments - Explains the purpose of the Element. When the usage is C for conditional, the conditions in which the element is required are listed in the Comments column查阅清分信
59、息格式定义手册查阅清分信息格式定义手册盒吩给智申仕吊靡钠翅蜀衅傀欣怂望疽颅扛柒亩犀迹敖详揍毙瞧岁兜帝瘫万事达卡清分系统运作介绍INET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 datesMember P
60、rofile Extract (MPE) 参数文件添也带骏苦睛樟澎畸肌蒙楚福揪多酗如辨干嫌健帅鼓褐涂会尹椿腆蜘僻愉万事达卡清分系统运作介绍INET每日更新T067GCMS Parameter Extract DataDaily Updates T068GCMS Parameter Extract Data Full File ReplaceMember Profile Extract (MPE) 参数文件已脸检丘疯饰廷惋戊秋楷州设袄骡缀袋稿炸壶褪莫架陪淡界氓芥烹圃细课万事达卡清分系统运作介绍INETInternationalMasterCard厦鹃孝余呸厨闰健咕缚径楔商樊你滴并贱鸿荧馆割智瘁抡纪宝嫡苹盗宴额万事达卡清分系统运作介绍INET
