IC卡电子钱包业务规则DOC 51页Word格式.docx

IC卡电子钱包业务规则DOC 51页Word格式.docx

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1概述......................................................................9

2基本规则..................................................................9

2.1发卡机构告知义务...........................................................................................................9

2.2应用标识代码编码规则...................................................................................................9

2.3银联IC卡电子钱包卡号编码规则...................................................................................9

2.4卡片规范.........................................................................................................................10

2.5卡片分类.........................................................................................................................10

2.6卡片设计、生产、个人化及运输.................................................................................10

2.7账户管理要求.................................................................................................................11

2.8风险控制..........................................................................................................................11

2.8.1密钥管理要求........................................................................................................11

2.8.2卡片个人化要求....................................................................................................11

2.8.3应急处理机制要求................................................................................................11

3发卡要求.................................................................11

3.1发卡申请.........................................................................................................................11

3.2联名卡发卡......................................................................................................................12

3.3基本服务要求.................................................................................................................12

4交易要求.................................................................12

4.1基本要求.........................................................................................................................12

4.2交易响应时间要求.........................................................................................................12

4.3系统成功率.....................................................................................................................12

4.4交易支持.........................................................................................................................13

4.5交易限制.........................................................................................................................13

5交易凭证..................................................................13

6清算要求.................................................................13

第二章收单业务规则........................................................14

1概述.....................................................................14

2基本要求.................................................................14

3交易终端.................................................................14

3.1终端机编号编码规则.....................................................................................................14

3.2交易终端基本要求.........................................................................................................15

3.3圈存终端要求..................................................................................................................15

3.4现金充值终端要求..........................................................................................................15

3.4.1基本要求................................................................................................................15

3.4.2布放要求................................................................................................................16

3.4.3风险控制................................................................................................................16

3.5消费终端要求..................................................................................................................16

3.6受理标识..........................................................................................................................16

3.7终端显示..........................................................................................................................16

3.7.1圈存终端显示........................................................................................................16

第2页

第七卷

（二）IC卡（电子钱包）业务规则

3.7.2现金充值终端显示................................................................................................16

3.7.3消费终端显示........................................................................................................16

3.8终端打印..........................................................................................................................16

3.8.1圈存终端打印........................................................................................................16

3.8.2现金充值终端打印................................................................................................16

3.8.3消费终端打印........................................................................................................16

4BIN表和路由表更新.........................................................17

5特约商户发展和管理........................................................17

6交易要求..................................................................17

6.1系统运行要求.................................................................................................................17

6.2系统成功率要求.............................................................................................................17

6.3终端维护要求.................................................................................................................17

6.4差错指标要求.................................................................................................................17

6.5交易支持.........................................................................................................................17

6.5.1圈存终端................................................................................................................17

6.5.2现金充值终端........................................................................................................17

6.5.3消费终端................................................................................................................18

6.6交易限制.........................................................................................................................18

6.7交易日期.........................................................................................................................18

6.8交易确认..........................................................................................................................18

7交易凭证.................................................................18

7.1电子数据.........................................................................................................................18

7.2指定账户圈存交易凭证内容.........................................................................................18

7.3非指定账户圈存交易凭证内容.....................................................................................18

7.4现金充值交易凭证内容.................................................................................................19

7.5消费交易凭证内容..........................................................................................................19

7.6明细查询交易凭证内容..................................................................................................19

7.7交易凭证保留.................................................................................................................19

8清算要求.................................................................19

9客户服务.................................................................20

第三章特约商户管理........................................................21

1概述.....................................................................21

2基本要求.................................................................21

3商户发展.................................................................21

3.1基本要求.........................................................................................................................21

3.2发展范围.........................................................................................................................21

3.3商户资质.........................................................................................................................21

3.4受理协议.........................................................................................................................21

3.5商户编码...............................................................22

3.5.1编码原则.............................................................22

3.5.2编码格式.............................................................22

3.5.3相关要求.............................................................23

4商户服务.................................................................23

4.1基本要求.........................................................................................................................23

第3页

4.2商户培训.........................................................................................................................23

4.2.1培训要求...............................................................................................................23

4.2.2培训内容...............................................................................................................24

4.3凭证保管和凭证调阅...........