银联卡业务运作规章第七卷（上）IC卡（借贷记应用）业务规则二○○五年十二月目录第一章发卡业务规则........................................................3831概述.................................................................3832基本规则.............................................................3832.1发卡机构告知义务..............................................3832.2卡片规范......................................................3832.3卡号编码规则..................................................3832.4卡片有效期限..................................................3842.5磁道使用规则..................................................3842.6卡片设计、生产及运输..........................................3852.7账户管理要求..................................................3852.8预留签名和密码................................................3852.9服务代码要求..................................................3852.10风险控制.....................................................3853发卡要求.............................................................3863.1产品类型......................................................3863.2发卡申请......................................................3863.3联名卡发卡....................................................3873.4基本服务要求..................................................3873.5挂失紧急止付服务..............................................3873.6紧急援助服务..................................................3873.7银联芯片卡的发卡要求..........................................3884交易要求.............................................................3894.1基本要求......................................................3894.2交易响应时间要求..............................................3894.3系统成功率....................................................3894.4吞没卡要求....................................................3894.5交易风险控制..................................................3894.6交易支持......................................................3904.7预授权交易要求................................................3914.8交易限制......................................................3914.9交易处理要求..................................................3915交易凭证.............................................................3926清算要求.............................................................393第二章收单业务规则........................................................3941概述.................................................................3942基本要求.............................................................3943交易终端.............................................................3943.1磁条卡受理终端要求............................................3943.2芯片卡受理终端要求.............................................3953.3受理标识......................................................3953.4ATM终端显示...................................................3953.5ATM终端打印...................................................3954BIN表和路由表更新...................................................3965特约商户发展和管理...................................................3966交易要求.............................................................3966.1系统运行要求..................................................3966.2系统成功率要求..................................
