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术语 | 英文 | 缩写 | 定义 |
授权平台 | Authorization Platform | ||
发卡方认证值 | Issuer Authentication Value | IAV | Issuer Authentication Value; the ACS generated cryptogram. |
账户持有人认证值 | Accountholder Authentication Values | AAV | Accountholder Authentication Values; the specific use case here of SPA2 coded UCAF data |
通用账户持有人认证字段 | Universal Cardholder Authentication Field | UCAF | Universal Cardholder Authentication Field; the base64 Standard (RFC 6548, RFC 4648) coded |
消息认证码 | Message Authentication Code | MAC | A message authentication code, sometimes known as a tag, is a short piece of information |
持卡人 | cardholder | A cardholder obtains a credit or debit card from an issuing bank, uses the account to pay for goods or services. | |
商户 | merchant | merch | A merchant is any type of business that accepts card payments in exchange for goods or services. |
商家系统 | Customer processing system | CPS | |
收单行 | merchant bank/Acquirer | A merchant bank establishes and maintains merchant accounts. Merchant banks allow merchants to accept deposits from credit and debit card payments. | |
收单行处理系统 | Acquirer processing system | APS | |
卡组织 | card associations | 卡组织是指发行信用卡的机构之一，它们为发卡行提供信用卡品牌 (Coshine ?) 和交易网络，以及处理信用卡交易的技术平台和服务。 Card associations include Visa, Mastercard, Discover and American Express. The card associations set interchange rates and qualification guidelines, and act as the arbiter between issuing banks and acquiring banks among other vital functions. | |
发卡行 | issuing banks/Issuer | Issuing banks are the banks, credit unions and other financial institutions that issue debit and credit cards to cardholders through the card associations. | |
发卡行处理系统 | Issuer processing system | IPS | |
POS机终端 | Point of Sale | POS | |
发卡行标识号 | Issuer Identification Number | IIN | |
银行标识号 | Bank Identification Number | BIN | |
主账号号码 | Primary Account Number | PAN | |
卡片验证码 | Card Verification Value | CVV | |
卡片验证码2 | CVV2 | ||
个人识别号码 | Personal Identification Number | PIN | |
Mastercard和Visa的缩写，代表一种智能卡技术 | Europay | EMV | |
交易证书 | Transaction Certificate | TC | |
应用请求密码 | Application Request Cryptogram | ARQC | |
应用响应密码 | Application Response Cryptogram | ARPC | |
终端验证结果 | Terminal Verification Result | TVR | |
交易状态信息 | Transaction Status Information | TSI | |
应用交易计数器 | Application Transaction Counter | ATC | |
卡片验证方法 | Cardholder Verification Method | CVM | |
静态数据认证 | Static Data Authentication | SDA | |
动态数据认证 | Dynamic Data Authentication | DDA | |
联机动态数据认证 | Combined Dynamic Data Authentication | CDA | |
授权 | authorization | ||
交易 | transaction | txn | |
批准交易 | approve transaction | Approval: If the customer's account is in good standing and they have enough available credit to cover the purchase, the card issuer approves the transaction and sends an authorization code back to the payment processor. | |
已授权 | authorized | ||
已授权交易 | authorized transactions | 已经经过授权和批准的交易 | |
清算 | clear | 清算通常是在结算之前进行的，它是指将各方之间的金融交易与资金转移进行记录、计算和配对的过程，以确保每一方的权益得到平等的保护，并最终形成应结算款项的准确金额。 | |
结算 | settlement | "Settlement" 通常指金融交易中的结算过程。是指根据清算的结果，将资金从付款方账户划拨至收款方账户的过程，以完成金融交易的最终结算。在结算过程中，银行或支付机构会向收款方发出付款指令，并将资金从付款方账户划拨至收款方账户，以完成支付交易。因此，可以看出清算和结算是不同但相互依存的过程。 | |
已结算 | settled | "Settled" 则是指已经完成的交易，也就是指已经经过授权、结算和清算，并且相应的资金已经从付款方账户划拨到收款方账户的交易。因此，"settled" 可以看作是一个已经完成的状态，表示该交易已经不再处于未完成的状态。 | |
资金流？ | Funding | ||
信贷限额 | credit limit/spending limit | ||
信用额度 | credit limit | ||
AVS | |||
转账 | transfer | ||
费用 | fee | ||
利息费率 | Interest Rates/annual percentage rate | APR | |
利息 | interest | ||
滞纳金/延滞金 | late payment fee/delinquency fee | ||
账单 | statement | ||
年费 | Annual Fees | ||
额度树 | Credit Line Management | ||
客户 | customer | cust | |
账户 | account | acct | |
会计 | accounting | ||
主动还款 | Manual repayment | ||
自动还款 | Automatic repayment | ||
还款计划调度器 | Repayment scheduler | ||
还款计划 | Repayment plan | ||
还款金额 | Repayment amount | ||
还款日期 | Repayment date | ||
还款方式 | Repayment method | ||
原路退回 | refund to original payment method | ROPM | |
现金退回 | refund in cash | RIC | |
信用额度的占用 | "credit limit hold" 或 "credit limit reservation" | ||
信用额度的恢复 | "credit limit release" | ||
汇率 | Conversion Rate | ||
定期付款 /自动扣款 | Recurring | recurring交易场景 在信用卡交易和支付领域，"recurring" 是一种特殊的交易场景，通常翻译为 "定期付款" 或 "自动扣款"，这是一种常见的专业术语。用于描述持卡人与商家之间的重复性交易。具体来说，"recurring" 表示一种情况，其中持卡人授权商家在未来的一段时间内（通常是每月或每年）自动收取支付，而无需每次都手动授权。 这种交易场景通常适用于以下情况：
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