1、,第五讲 旅游与娱乐,T&E的特殊性,平均交易额比零售商要大得多 对于持卡人消费活动，往往涉及多个授权 旅店业特约商户为了保证预定有效，需要选择一种易于使用的付款方式 持卡人不在场时，航空业特约商户往往通过电话或信件进行交易,3,发卡行最低限额 Minimum Issuer Limits,4,旅游与娱乐正常持卡人授权服务最小 参数 Minimum T&E PCAS Parameters,5,估测授权 Estimated Authorisations 第一步 Step 1 预计停留时间 Expected length of stay 房费及税 Room rate with tax 估计其它费用
2、Estimate miscellaneous charges第二步 Step 2 估计金额低于免授权限额吗？-卡片止付名单 Is the estimated amount below the floor limit ?- CRB 估计金额高于免授权限额吗？ Is the estimated amount above the floor limit ? 为整个估计金额获取授权 Obtain authorisation for the entire estimated amount 在交易单据上记录授权代码和日期 Record approval code and date on Transacti
3、on Receipt第三步 Step 3 如有额外金额，需要获取额外授权 Additional authorisations may be obtained for additional amounts 新授权不能包含以前已获批准的授权金额 New authorisation must not include previously authorised amounts,6,最终授权 Final Authorisation如有以下情况，需要申请最终授权 Only required if:金额高于免授权限额或先前未获授权 Amount above floor limit and no previo
4、us authorisation sought 或 or金额超出授权金额的15% Exceeds the sum of authorised amounts by 15%,7,用一元钱做状态检查 One Currency Unit?Status Check 确保特定的免授权限额以内的交易金额 Guarantees the amount up to the specified floor limit 证实 Validates: 有效日期 the Expiry Date 帐户号 account number 止付名单或例外文件 CRB or Exception File,8,旅店预订服务 Hote
5、l Reservation Service 接受所有的VISA卡做担保预订 Accept all Visa Cards for guaranteed reservations 房间保留到次日应离店的时间 Accommodation to be held until check-out time the following day 在到达时间的72小时以前取消预订 Cancellation not to exceed 72 hours prior to arrival 如果是在72小时内做出的预订，取消预订需要在入住当日下午6点 以前进行 If reservation made within 7
6、2 hours, cancellation required by 6 pm on check-in date 如果持卡人取消预订不当，要承担放空费用 No-Show charge if Cardholder does not cancel properly 如果需要，给持卡人提供书面的确认 （无电子压印和签名9 Provide written confirmation of booking to cardholder if required 放空费用的争议裁决和取消代码 Resolution for disputes over No-Show charge and cancellation
7、code,9,提前结帐服务 Priority Check-Out Service 在旅店结帐的迅速和方便的办法 Quick and convenient way to check-out of the hotel 持卡人签属提前结帐服务协议 Cardholder to complete Priority Check-Out Agreement 确保在登记入住时取得卡的压印 Ensure imprint of card taken at check-in 在结帐后完成有总金额的交易收据 Complete Transaction Receipt with total amount after ch
8、eck-out 在签字条上有提前结帐字样 Priority Check-Out?to appear on signature line 在3个工作日内，邮寄交易收据及旅馆的帐单给持卡人 Mail Receipt plus folio to cardholder within 3 business days 在180天内保留旅馆帐单及结帐协议副本 Keep copy of folio and Check-Out Agreement for 180 days （延迟付费持卡人不愿付费，不知道费用原因， 延迟付费电话，餐厅，客房服务，洗衣。冰箱，饮料，补充收费，如半天的费用等。 对于延迟或补充收费，
9、没有拒付权）,10,取现服务 Cash Disbursement Service 只有金卡持有者可以享受此服务 Only Gold Cardholders eligible 持卡人必须是登记入住的客人 Cardholder must be a registered guest 通过护照或其他类似证件认别持卡人 Positively identify the cardholder with passport or similar 为这笔取现服务要授权 Authorise the amount of the cash disbursement 这项服务不收费 No fee to be charge
10、d for this service 在持卡人住店期间，取现金额不得超过250美元 A total of US$250 not to be exceeded during Cardholders stay,11,预交入住订金 Advance Lodging Deposit 预交不得超过14个晚上的订金 Deposit not to exceed 14 nights?lodging 预交订金从最终帐单上扣除 Deposit to be deducted from the final bill 在整个订金担保的天数内保留房间 Accommodation to be held for the ent
11、ire period covered by the deposit 提供确认代码 Confirmation code to be provided 可在任何时间取消-必须事先通知持卡人 Cancellation period can be for any length of time - cardholder must be advised 必须提供取消代码 Cancellation code must be provided,12,航空公司 商户 Airline Merchants 机票能被购买/分开或一起授权 Tickets can be purchased / authorised in
12、dividually or collectively（一次购买多张飞机票，可以分开清算，所有机票一次授权，但分开结算，一张机票一张帐单）退款或丢票申请不被认为是退款交易收据 Refunds and lost ticket applications are not considered to be a Credit Transaction Receipt替代的交易收据必须包括需要的资料 Substitute Transaction Receipts must contain required data,13,汽车租赁服务 Car Rental Merchants 附加费用包括 Ancillary
13、 Charges could include: 燃料 Fuel 税金 Taxes 租赁费 Rental Fees 保险费 Insurance 交通违规 Traffic violations 停车罚款 Parking fines 损坏 Damage,14,交通违规和停车罚款 Traffic Violations & Parking Fines必须在违规的90天内向持卡人发帐单 Cardholder must be billed within 90 days of the violation 商户必须提交有关当局提供的文件,包括 Merchant to provide documentation
14、from civil authority including:出租车的执照号 licence number of rented vehicle 违规的时间地点 time and location of violation 违反 哪条规定 statute violated 以当地货币表示的罚款金额 amount of penalty in local currency,15,出租车的损坏 Damage to Rented Car 事发的90天内将记入持卡人帐单 Cardholder to be billed within 90 days of the occurrence 提供下列文件支持: S
15、upport claim with the following documentation: 租车协议副本 copy of rental agreement 估计的损坏费用 estimate cost of damages 国内当局的事故报告(如果需要) civil authoritys accident report (if applicable) 持卡人同意为损坏付帐 cardholders consent to pay for damages 证明所扣金额 的商户保险条款副本 copy of Merchants insurance policy showing deductible am
16、ount 任何证明持卡人责任的 其他相关文件 any other relevant documentation showing cardholder liability 如果商户对延迟或补充费用不能提供支持文件时，请求依从权 Compliance right if Merchant fails to support charges for delayed or amended charges,16,特种汽车（只适用于美国商户 ） Specialised Vehicles (applicable to US Merchants only) 特种车辆种类，即VANS,4轮驱动,跑车等 Unique
17、 class of cars i.e. vans, 4-wheel drive, sports model 不能超过出租车队的5% Must not constitute more than 5% of the rental fleet 商户在接受预订,取消预订,处理放空时必须遵守正 确的程序处理 Merchant to follow correct procedures for taking reservations, cancelling reservations and processing No-Shows 取消时间不能超过计划租车时间前72小时 Cancellation time not to exceed 72 hours prior to scheduled rental 放空费不得超过两天的租金 No-Shows must not exceed cost of 2 days rental,17,旅游与娱乐争议裁决 Dispute Resolution for T&E Transactions 旅游与娱乐拒付 T&E Chargebacks仲裁 Arbitration依从 Compliance旅游与娱乐裁决 T&E Resolution（88年开始）,
