互联网支付业务规则.docx
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互联网支付业务规则
银联卡业务运作规章
第六卷互联网支付业务规则
中国银联
二○○九年六月
第一章基本规定...................................................................................................................6
1目的..............................................................................................................................6
2基本原则......................................................................................................................6
3适用范围......................................................................................................................6
4基本术语......................................................................................................................6
第二章发卡机构业务管理...................................................................................................7
1发卡机构的职责...........................................................................................................7
2发卡机构的加入...........................................................................................................7
2.1发卡机构加入的资格.......................................................................................7
2.2发卡机构加入的程序.......................................................................................7
3持卡人业务开通...........................................................................................................8
4交易要求......................................................................................................................8
5交易限制......................................................................................................................8
6退出机制......................................................................................................................9
6.1发卡机构退出的情况.......................................................................................9
6.2退出业务时的义务...........................................................................................9
第三章收单机构业务管理.................................................................................................10
1收单机构的职责.........................................................................................................10
2收单机构的加入.........................................................................................................10
2.1收单机构加入的资格.....................................................................................10
2.2收单机构加入的程序.....................................................................................10
3业务开通....................................................................................................................11
4特约商户发展和管理.................................................................................................11
5交易要求....................................................................................................................11
6清算要求...................................................................................................................12
7收单机构的退出.........................................................................................................12
7.1收单机构退出的情况.....................................................................................12
7.2收单机构退出业务时的义务.........................................................................13
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第六卷互联网支付业务规则
第四章互联网特约商户管理.............................................................................................14
1商户管理基本原则.....................................................................................................14
2对特约商户的基本要求.............................................................................................14
3商户发展....................................................................................................................14
3.1发展商户基本原则........................................................................................14
3.2发展范围.......................................................................................................14
3.3商户资质审查...............................................................................................15
3.4商户业务审查...............................................................................................15
3.5受理协议.......................................................................................................16
3.6清算服务.......................................................................................................17
3.7统一编码.......................................................................................................17
3.8商户验证........................................................................................................18
4商户服务....................................................................................................................18
4.1服务内容........................................................................................................18
4.2商户培训........................................................................................................18
4.3电子交易凭证的保管和调阅........................................................................19
5网上商城管理............................................................................................................19
5.1必备风险条款................................................................................................19
5.2二级商户管理................................................................................................19
6商户退出....................................................................................................................20
6.1主动退出.......................................................................................................20
6.2强制退出.......................................................................................................20
6.3其他原因退出...............................................................................................21
7商户档案管理.............................................................................................................21
7.1收单机构要求...............................................................................................21
7.2中国银联职责...............................................................................................22
第五章业务处理.................................................................................................................23
1交易种类....................................................................................................................23
2交易处理....................................................................................................................23
2.1.消费交易........................................................................................................24
银联卡业务运作规章
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第六卷互联网支付业务规则
2.2消费撤销交易................................................................................................24
2.3退货交易........................................................................................................25
2.4预授权............................................................................................................25
2.5预授权完成....................................................................................................26
2.6预授权撤消....................................................................................................26
2.7预授权完成撤消............................................................................................27
2.8查询交易........................................................................................................27
第六章资金清算...................................................................................................................28
第七章差错处理.................................................................................................................29
1处理原则....................................................................................................................29
2差错处理方式.............................................................................................................29
3差错处理类型.............................................................................................................29
3.1确认查询........................................................................................................29
3.2贷记调整........................................................................................................30
3.3请款................................................................................................................30
3.4一次退单........................................................................................................30
3.5再请款............................................................................................................31
3.6二次退单........................................................................................................31
4争议处理....................................................................................................................31
5差错交易发起途径....................................................................................................31
第八章风险控制.................................................................................................................32
1风险管理措施.............................................................................................................32
1.1对参与机构的共同要求.................................................................................32
1.2中国银联的风险管理措施.............................................................................33
1.3发卡机构的风险管理措施.............................................................................33
1.4收单机构的风险管理措施.............................................................................34
2交易风险责任划分.....................................................................................................36
2.1中国银联