第1页共92页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第1页共92页银联卡业务运作规章第二卷业务规则中国银联二○一○年六月第2页共92页第1页共92页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第2页共92页目录第一章发卡业务规则........................................................71概述................................................................72基本规则............................................................72.1发卡机构告知义务................................................72.2卡片规范........................................................72.3卡号编码规则....................................................72.4卡片有效期限.....................................................82.5磁道使用规则....................................................82.6卡片设计、生产及运输............................................82.7账户管理要求....................................................82.8预留签名和密码..................................................82.9服务代码要求....................................................92.10风险控制.......................................................93发卡要求............................................................93.1产品类型........................................................93.2发卡申请........................................................93.3联名卡/认同卡发卡..............................................103.4基本服务要求...................................................103.5挂失紧急止付服务...............................................103.6紧急援助服务...................................................114交易要求...........................................................114.1基本要求.......................................................114.2交易响应时间要求...............................................114.3系统成功率.....................................................114.4吞没卡要求.....................................................124.5交易风险控制...................................................124.6交易支持.......................................................124.7预授权交易要求.................................................134.8交易限制.......................................................134.9交易处理要求...................................................135交易凭证...........................................................146清算要求...........................................................15第二章收单业务规则........................................................161概述...............................................................162基本要求...........................................................163交易终端...........................................................163.1终端要求.......................................................163.2受理标识.......................................................173.3ATM终端显示....................................................173.4ATM终端打印....................................................174BIN表和路由表更新..................................................175特约商户发展和管理..................................................176交易要求...........................................................176.1系统运行要求...................................................176.2系统成功率要求..................................................
