万事达欧元卡资金清算流程.doc

万事达欧元卡资金清算流程（注：1-3为开户流程，4-7为日常清算流程，日常清算以借记业务为主）一、 账户申请及开立1、信用卡中心申请欧元清算账户用于万事达欧元卡交易的资金清算，该账户使用总行在法兰克福分行开立的欧元账户，不另外开独立的欧元账户。总行国际部授权法兰克福分行付款，即法兰克福分行可以直接根据万事达国际组织的付款通知向其清算行划付资金。注：我中心与万事达国际组织约定，其付款通知以SWIFT（MT998）报文方式发送，付款通知书格式如下：TRANSFER AGENT ADVISEMENT DETAIL REPORT: BSADV308-AA DATE: 16 MAR 2009 PAGE: 1 TIME: 08:14 DELIVERY MEDIA: S.W.I.F.T DESTINATION: XXXXX TO TRANSFER AGENT: XYZ BANK TRANSFER AGENT ID: xxxx TRANSFER AGENT BANK: XYZ BANK - FRANKFURT BRANCH CONTACT NAME: XXXX XXX SETTLEMENT SERVICE NAME: EURO REGIONAL (4TH CLRG SETT) SETTLEMENT SERVICE ID: EU00000007 SETTLEMENT SERVICE TYPE: Regional SCHEDULED CUTOFF TIME: 09:00 SCHEDULED SETTLEMENT CYCLE: 1 SETTLEMENT BANK NAME: JP MORGAN CHASE LONDON (EUR) SETTLEMENT DATE: 16 MAR 2009 SETTLEMENT ACCOUNT NBR: 23097201 SETTLEMENT ROUTING NBR: CHASGB2L XX AGENT ACCOUNT NUMBER: XXXXXXXXXX BANK ROUTING NUMBER: XXXXX CURRENCY NAME: EURO CURRENCY CODE: EUR/978 COUNTRY CODE: DEU VALUE DATE: 18 MAR 2009 MEMBER NAME: XYZ BANK MEMBER ID: xxxx INTERNAL ID: XXXX NO RECON DATE INPUT File SOURCE ID 1 13 MAR 2009 0000000001 0010903130000000xxxx05601 2 14 MAR 2009 0000000001 0010903140000000xxxx01101 3 14 MAR 2009 0000000001 0010903140000000xxxx02201 4 14 MAR 2009 0000000001 0010903140000000xxxx03401 5 14 MAR 2009 0000000001 0010903140000000xxxx04401 6 14 MAR 2009 0000000001 0010903140000000xxxx05601 7 14 MAR 2009 0000000001 0010903140000000xxxx06601 8 16 MAR 2009 0000000001 0010903160000000xxxx01101 9 16 MAR 2009 0000000001 0010903160000000xxxx02201 10 16 MAR 2009 0000000001 0010903160000000xxxx03401 11 16 MAR 2009 0000000001 0010903160000000xxxx04401 NO ORIGINATED IN D/ RECEIVED IN D/ NET AMOUNT IN D/ Payment C Payment C Payment C 1 0.00 C 159.70 D 159.70 D 2 0.00 C 4,594.26 D 4,594.26 D 3 0.00 C 4,911.30 D 4,911.30 D 4 0.00 C 4,492.34 D 4,492.34 D 5 0.00 C 2,162.83 D 2,162.83 D 6 0.00 C 74.61 D 74.61 D 7 0.00 C 364.56 D 364.56 D 8 0.00 C 14,390.35 D 14,390.35 D 9 0.00 C 5,252.12 D 5,252.12 D 10 0.00 C 20,824.47 D 20,824.47 D 11 0.00 C 1,972.80 D 1,972.80 D MEMBER TOTALS IN PAYMENT CURRENCY 978: 0.00 C 59,199.34 D 59,199.34 D ACCOUNT TOTALS IN PAYMENT CURRENCY 978: 0.00 C 59,199.34 D 59,199.34 D FROM NAME: MASTERCARD FROM OFFICE: ST. LOUIS FROM PHONE NUMBER: 636-722-7676 END OF REPORT2、信用卡中心将清算账户信息告知万事达组织，万事达组织通知其清算行。二、 资金清算（一）借记类1、万事达清算行与法兰克福分行1）万事达清算行发MT998给法兰克福分行，时间一般为工作日的上午。2）法兰克福分行收到后根据付款通知书中的金额（ACCOUNT TOTALS IN PAYMENT CURRENCY栏的NET AMOUNT）当日进行划款。2、行内清算1）法兰克福划款后扣总行账户资金，在附言栏里注明ICA2571，MasterCard，Settlement Date。2）总行营管部根据附言判别为卡中心资金，扣划卡中心的资金。（二）贷记类1、万事达清算行发MT998给法兰克福分行，同时划资金给法兰克福分行。2、法兰克福收到后记入总行账户资金，在附言栏里注明ICA2571、MasterCard、Settlement Date3、总行营管部根据附言判别为卡中心资