万事达卡清分系统运作介绍
万事达卡清分系统运作介绍,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,GCMSSettlementBank,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,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,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 Training,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 Message 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 (Return)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 - 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 Service/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. 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,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 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,分类汇总口径：,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,Financial 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 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 Header Message,Chargeback Messages,Fee Collection Messages,File Trailer Message,File Header Message,Retrieval Request Messages,Notification Messages,Acknowledgement Messages,
