银联卡业务运作规章制度.docx

银联卡业务运作规章制度.docx

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银联卡业务运作规章制度

银联卡业务运作规章

第五卷风险控制与安全管理

二○○五年十二月

序........................................................................307

第一章成员机构风险管理的基本要求..........................................308

1风险评价及分级管理...................................................308

1.1风险评价的适用情况..............................................308

1.2风险评价的内容..................................................308

1.3风险等级的运用..................................................309

1.4风险控制措施....................................................309

2成员机构内部风险管理.................................................309

2.1人员及岗位设置要求..............................................309

2.2建立银行卡交易风险监控体系......................................309

3账户信息与交易数据安全管理..........................................310

3.1权利与义务......................................................310

3.2安全管理体制....................................................310

3.3访问控制........................................................310

3.4数据的保护、使用和销毁..........................................310

3.5数据保存与传输..................................................310

3.6事故处理........................................................310

3.7对第三方服务机构和特约商户的数据安全管理........................311

3.8赔偿及处罚......................................................311

4磁条卡密钥生命周期安全管理...........................................311

4.1基本要求........................................................311

4.2密钥生命周期安全管理规定........................................311

5磁条卡的卡片验证码（CVN）校验........................................312

5.1对发卡行的要求..................................................313

5.2对收单机构的要求................................................313

6反洗钱要求...........................................................313

7调查................................................................313

7.1调查............................................................313

7.2调查对象........................................................313

7.3调查方式........................................................314

8处罚................................................................314

第二章发卡机构的风险管理..................................................315

1银联卡安全管理的基本要求.............................................315

1.1发卡中心的物理安全.............................................315

1.2订单管理........................................................315

1.3安全生产........................................................315

1.4安全运输........................................................315

1.5接收与保管......................................................316

1.6卡片个人化的安全管理............................................316

1.7发行............................................................316

1.8销毁............................................................317

2《领用合约》必备的风险条款...........................................317

3个人密码（PIN）的管理................................................317

4卡片挂失管理.........................................................317

5吞没卡及止付卡管理...................................................318

6发卡专业化服务机构的风险管理.........................................318

7安全及风险调查.......................................................318

7.1调查内容........................................................318

7.2违规处理........................................................319

银联卡业务运作规章

304

第五卷风险控制与安全管理

第三章收单机构的风险管理..................................................320

1商户准入............................................................320

1.1禁入商户类型...................................................320

1.2谨慎发展商户类型...............................................320

2目标商户审查.........................................................320

3商户签约............................................................321

3.1协议必备风险条款...............................................321

3.2机具布放.......................................................321

3.3资料保管.......................................................321

4特约商户日常风险管理.................................................321

5特约商户强制解约.....................................................321

5.1强制解约的情况.................................................321

5.2解约信息报送...................................................322

6可疑商户信息共享.....................................................322

6.1可疑商户信息报送标准...........................................322

6.2报送要项.......................................................322

6.3可疑商户信息的有效期...........................................323

6.4违规处理......................................................323

7收单专业化服务机构的风险管理.........................................323

7.1对专业化机构的管理.............................................323

7.2协议必备风险条款...............................................323

7.3强制解约.......................................................324

8对收单机构的风险指标监控.............................................324

8.1收单欺诈率.....................................................324

8.2商户的月退单笔数和月退单金额比例...............................324

8.3对“高风险商户”的认定.........................................325

9对金融自助终端的监控要求.............................................325

10调查和申诉..........................................................325

10.1调查..........................................................325

10.2申诉..........................................................325

第四章清算风险管理........................................................326

1原则................................................................326

1.1全过程监控原则.................................................326

1.2分级管理原则...................................................326

2基本要求............................................................326

3清算风险备付金管理...................................................326

3.1缴纳...........................................................326

3.2使用...........................................................327

3.3调整...........................................................327

3.4解除...........................................................327

4清算风险监控和预警...................................................327

4.1清算风险监控...................................................327

4.2清算风险预警...................................................327

5清算风险控制.........................................................328

5.1当日清算未完成.................................................328

5.2清算连续未完成.................................................328

5.3重大风险事件...................................................328

6清算损失的补偿.......................................................328

7对清算银行的要求.....................................................328

7.1境内业务清算银行...............................................328

7.2境外清算银行...................................................328

银联卡业务运作规章

305

第五卷风险控制与安全管理

第五章欺诈交易及风险事件的报告与处理......................................329

1基本要求............................................................329

2欺诈交易报告.........................................................329

2.1发卡机构应报告的欺诈交易.......................................329

2.2收单机构应报告的欺诈交易.......................................329

2.3报告时间.......................................................329

2.4报送要项.......................................................330

2.5权利与责任.....................................................330

3风险事件报送........................................................330

3.1报送范围.......................................................330

3.2报送时间.......................................................330

3.3报送内容.......................................................331

4调查与处理...........................................................332

4.1基本规定.......................................................332

4.2协助调查.......................................................332

4.3资料保管.......................................................332

5欺诈交易的损失责任承担原则...........................................332

5.1自助设备发起交易的责任承担....................................333

5.2面对面商户发起交易的责任承担..................................333

5.3其他情况下的责任承担..........................................333

6费用及处罚...........................................................333

6.1费用...........................................................333

6.2处罚...........................................................334

第六章风险管理服务........................................................335

1风险信息共享服务.....................................................335

1.1内容...........................................................335

1.2服务的申请与使用...............................................335

2商户风险监控.........................................................335

2.1监控对象.......................................................335

2.2监控规则.......................................................335

2.3报告风险等级...................................................336

2.4风险报告传递...................................................336

2.5收单机构的职责.................................................336

3银行卡交易监控.......................................................336

3.1监控对象.......................................................336

3.2监控规则.......................................................336

3.3服务的使用.....................................................337

4欺诈交易报告.........................................................337

4.1成员机构职责...................................................337

4.2服务的使用.....................................................337

5风险提示............................................................337

5.1内容...........................................................337

5.2服务的使用.....................................................338

5.3其他...........................................................338

6涉案卡交易跟踪服务...................................................338

6.1中国银联职责...................................................338

6.2发卡机构职责..................................................338

银联卡业务运作规章