声誉卡常用术语
外洋留学与银行打交道的常用术语：

· CashCard现金卡：可以从银行或ATM机提取现金

· ChequeGuaranteeCard支票包管卡

· DebitCard借记卡

· Creditcard声誉卡

· CurrentAccount现金帐户：用于存Deposit，取Withdraw，日常开支，每每利钱较低或没有利钱。

· SavingAccount存款帐户

· Overdraft透支

accountnumber帐目编号

depositor存户

pay-inslip存款单

adepositform存款单

abandingmachine主动存取机

todeposit存款

depositreceipt存款收条

privatedeposits私家存款

certificateofdeposit存单

depositbook,passbook存折

creditcard声誉卡

principal本金

overdraft,overdraw透支

tocountersign双签

toendorse背书

endorser背书人

tocash兑现

tohonoracheque兑付

todishonoracheque拒付

tosuspendpayment止付

cheque,check支票

chequebook支票本

ordercheque记名支票

bearercheque不记名支票

crossedcheque横线支票

blankcheque空白支票

rubbercheque一诺令媛

chequestub,counterfoil票根

cashcheque现金支票

travelerscheque旅游支票

chequefortransfer转帐支票

outstandingcheque未付支票

canceledcheque已付支票

forgedcheque伪支票

Bandarsnote庄票，银票

balancesheet资产欠债表

cashflow现金流转

glossary术语表

moneyorder汇款单，汇票

letterofcreditn.商银行刊行的声誉证

chargefor想...免费

overdrawv.透支

overdraftn.透支,透支之款项

endorseIn5dC:sv.在票据背面签名,签注文件,供认,签订

liabilityn.责任,义务,偏向,债务,欠债,与assets相对

assetn.资产,有效的东西

solventadj.有偿付本领的n.溶媒,溶剂,处理体例

securitiesn.有价证券

timehullinsurance船舶活期保险

marineinsurance海损保险

maritimetransportationinsurance陆地运输保险

fireinsurance火险

cargoinsurance货色保险

AccountNumber-Auniquenumberassignedbyafinancialinstitutiontoacustomer.Onacreditcard,thisnumberisembossedandencodedontheplasticcard.

AdditionalCardholder-Whenyouhaveacreditcard,itisoftenpossibletoaddanadditionalcardtotheaccountforusebysomeoneelse.Themaincardholderholdsresponsibilityforensuringpaymentsontheadditionalcardaremade.Purchasesareshownonthecreditcardstatement,whichissentmonthly.

AmericanExpress-AlsoknownasAMEX,thiscompanyisoneofthemaininternationalcreditcardissuingschemes.Itissuesitsowncreditcards&mdash unlikeVisaandMasterCard&mdash andisresponsibleforitsownrelationshipswithretailers.

AnnualFee-Anannualyearlyfeeassociatedwithhavingacreditcard.Thisisaseparatefeefrominterestrateonpurchases.

AnnualPercentageRateAPR-Theyearlypercentageratechargedwhenabalanceisheldonacreditcard.Thisrateisappliedeachmonththatanoutstandingbalanceispresent.

ApprovalResponse-Anauthorizationresponsethatisreceivedwhenatransactionisapproved.

ATM-AutomatedTellerMachinesorcashpointsallowyoutoaccesscashwithacreditcardorothercardassociatedwithyourbankaccount.YouneedtoenteryourpersonalidentificationnumberPINintothemachinetoaccesscash.

Authentication-Theprocessofassuringthatdatahascomefromitsclaimedsource,oraprocessofcorroboratingtheclaimedidentityofacommunicatingparty.

Authorization-Everyretailerhasapurchaselimitabovewhichtheymustseekauthorizationfromthecardissuerbeforetheycancompletethesale.Suchauthorizationcanbedonebytelephoneorelectronicallyatthecashtill.Authorizationisusedtocontrolcreditcardfraud.Thecardholder&rsquo savailablecreditlimitisreducedbytheauthorizedamount.

AuthorizationAmount-Currencyamountapproved.

AuthorizationCode-Acodethatanissueroritsauthorizingprocessorprovidestoindicateapprovalordenialforanauthorizationrequest.

AuthorizationDate-Dateandtimewhenthetransactionwasauthorized.

AuthorizationOnly-Atransactionthatiscreatedtoreserveanamountagainstacreditcard&rsquo savailablelimitforintendedpurchases theactualsettlementmayoccurwithinthreetofivedays,dependingonthecardtype.

AuthorizedAmount-Currencyamountapproved.

AuthorizedTransaction-Transactionthathasbeenapproved.

BalanceTransfer-Whentheoutstandingbalanceofonecreditcardorseveralcreditcardsismovedtoanothercreditcardaccount.

BalanceTransferFee-Afeechargedbyacreditcardcompanytotransferabalancefromoneaccounttoanother.Thisfeecanbeanywherefrom1百分-5百分ofthebalanceamount.However,manycreditcardcompaniesdonotchargethisfee.Contactthecreditcardissuerfortheirspecificfees.

BadCredit-Atermusedtodescribeapoorcreditrating.CommonpracticesthatcandamageacreditratingincludeITlatepayments,skippingpayments,exceedingcardlimitsordeclaringbankruptcy.&ldquo BadCredit&rdquo canresultinbeingdeniedfuturecredit.

BankAccount-Bankaccountnumberforthemerchanttowhichfundswillbedeposited.

BankIdentificationNumberBIN-ThefirstsixdigitsofaVisaorMasterCardaccountnumber.Thisnumberisusedtoidentifythecard-issuinginstitution.

Bankcard-Apaymentcardissuedbyabank.

BillingCycle-Thetimebetweenbillingstatements,usually28-31days.

BusinessCardBusinessCreditCard-UsuallyissuedtocorporateexecutivesorbusinessownersinordertomoreeasilykeepbusinesITpensesseparatefrompersonalcharges.

CardIssuer-Anyassociationmemberfinancialinstitution,bank,creditunion,orcompanythatissues,orcausestobeissued,plasticcardstocardholders.

CardReader-Adevicethatiscapableofreadingtheencodingonplasticcards.

Cardholder-Anindividualtowhomacardisissued,orwhoisauthorizedtouseanissuedcard.

CashAdvance-AcashloanfromacreditcardusinganATMorbankwithdrawal.

CashBack-Cashbackreturnstoyouapercentageofthetotalamountspentonyourcreditcardoveraspecificperiodoftime,usuallymonthlyorquarterly.Thisfeatureisparticularlyusefulifyounormallypayyourcreditcardbillsinfulleachmonth,asitmeansyougetaneffectivediscountontheproductsboughtwithyourcreditcard.

Chargeback-Atransactionreturnedthroughinterchangebyanissuertoanacquirer.Atransactionmaybereturnedbecauseofitwasnon-compliantwiththeassociationrulesandregulationsorbecauseitwasdisputedbyacardholder.

ChargebackPeriod-Thenumberofdaysfromthetransaction&rsquo sprocessingdateorendorsementdate,duringwhichtheissuermayinitiateachargeback.

Co-BrandedCard-Aco-brandedcreditcardissponsoredbyboththeissuingbankandaretailorganization,suchasadepartmentstoreoranairline.Cardholdersmaygetbenefits,suchasdiscountsorfreemerchandise,fromthesponsoringmerchant,basedonaccountusageandterms.

CommercialCards-AgeneralnameforcardstypicallyissuedforbusinessuseandwhichmayincludeCorporateCards,PurchaseCards,BusinessCards,TravelandEntertainmentCards.

CreditCardNumber-Uniquenumberassignedtoacreditcard.

CreditLimit-Howmuchtotalmoneycanbechargedtoacreditcardaccount,forexample$5,000.

CreditHistory-Apartialprofileofyourfinanciallife,givenwithinaparticulartimeframeusuallymeasuredinyears.Yourcredithistoryshowstheextenttowhichyoupayyourbillsontimeandhowmuchyoumayoweparticularparties.Creditcardissuersusethisinformationtodecidewhethertoprovidecustomerswithcreditcards.

Debit-Achargetoacustomer&rsquo sbankcardaccount.Atransaction,suchasacheck,automatedtellermachineATMwithdrawalorpoint-of-salePOSdebitpurchasethatdebitsademanddepositaccount.

ExpiredCard-Acardonwhichtheembossed,encodedorprintedexpirationdatehaspassed.

FinanceCharge-Feesandothercostsbilledtoyouonyourstatementforusingthecreditcardsi.e.,balancetransferfees,cashadvancefees,latefees,overlimitfees,etc..

FixedRateorFixedAPR-Anannualpercentageratethatdoesnotchangethroughouttheyear,unlikeanintroductoryAPRthatchangesafteraspecificperiodoftime.

FloorLimit-AnamountthatVisaandMasterCardhaveestablishedforsingletransactionsatspecifictypesofmerchantoutletsandbranches,abovewhichauthorizationisrequired.

FraudulentTransaction-Atransactionunauthorizedbythecardholderofabankcard.Suchtransactionsarecategorizedaslost,stolen,notreceived,issuedonafraudulentapplication,counterfeit,fraudulentprocessingoftransactions,accounttakeoverorotherfraudulentconditionsasdefinedbythecardcompanyorthemembercompany.

FraudulentUser-Anindividualwhoisnotthecardholderordesigneeandwhousesacardor,inamail/phoneorderorrecurringtransaction,anaccountnumbertoobtaingoodsorserviceswithoutthecardholder&rsquo sconsent.

GracePeriod-Aperiodoftimeduringwhichyouareallowedtopayyourcreditcardbillwithoutbeingchargedafinanceand/orlatefee.Thisperiodisusually10-28days.

IntroductoryRateorIntroAPR-Atemporary,lowerannualpercentagerate,afterwhichtheAPRisraised.

Issuer-Anyassociationmemberfinancialinstitution,bank,creditunionorcompanythatissues,orcausestobeissued,plasticcardstocardholders.

MagneticStripe-Astripeofmagneticinformationthatisaffixedtothebackofaplasticcreditordebitcard.Thisstripecontainscustomerandaccountinformationthatisrequiredtocompleteelectronicfinancialtransactions.ThephysicalandmagneticcharacteristicsofthisstripearespecifiedintheInternationalOrganizationforStandardizationstandards7810,7811and7813.

Mail/PhoneOrderMerchant-Amerchantthattransactsbusinessbymailorphone.

Mail/PhoneOrderTransaction-Atransactionwhereacardholderordersgoodsorservicesfromamerchantbytelephone,mailorothermeansoftelecommunication,andwhereneitherthecardnorthecardholderispresentatthemerchantoutlet.

MasterCard-MasterCardInternationalInc.andallofitssubsidiariesandaffiliates.

MasterCardAcquirer-AmemberthatsignsaMasterCardmerchantagreementordisbursescurrencytoaMasterCardcardholderinacashdisbursement,anddirectlyorindirectlyenterstheresultingtransactionreceiptintointerchange.

MasterCardCard-AcardthatbearstheMasterCardsymbol,enablingaMasterCardcardholdertoobtaingoods,servicesorcashfromaMasterCardmerchantoracquirer.

MasterCardIssuer-AmemberthatissuesMasterCardcards.

Merchant-AnentitythatcontractswithmerchantbanksorISO&rsquo stooriginatetransactions.

MerchantAgreement-Awrittenagreementbetweenamerchantandabankthatcontainstheirrespectiverights,dutiesandwarranties,withrespecttoacceptanceofthebankcardandmattersrelatedtothebankcardactivity.

MerchantBank-Bankthathasamerchantagreementwithamerchanttoacceptacquiredepositsgeneratedbybankcardtransactions.

MinimumPayment-Thelowestamountofmoneythatyouarerequiredtopayonyourcreditcardstatementeachmonth.

OnlineFinancialTransaction-Atransactionthatisauthorized,clearedandsettledinasingleonlinemessage.

Overlimit-Thisreferstoacardholderaccountthathassurpasseditscreditlimitwithatransactioni.e.,thecardholder&rsquo soutstandingbalanceisbeyondhis/hercreditlimit.

OverlimitFee-Afeechargedwhenyourbalancegoesoveryourcreditlimit.

Password-Asequenceofcharactersthatallowsusersaccesstoasystem.Althoughtheyaresupposedtobeunique,experiencehasshownthatmostpeople&rsquo spasswordchoicesarehighlyinsecure.Humanstendtochooseshortwords,suchasnames,whichareeasytoguess.

PerTransactionFees-Feespaidbythemerchanttothemerchantbankorothercontractedpartyonaper-transactionbasis.

PINPersonalIdentificationNumber-Asequenceofdigitsusedtoverifytheidentityoftheholderofatoken.ThePINisakindofpassword.

PlasticCard-Thisisagenerictermthatisusedtoidentifyanyofthevariouscardsissuedtocardholders.

PointOfSalePOS-Locationinamerchantestablishmentatwhichthesaleisconsummatedbypaymentforgoodsorservicesreceived.

Policy-Aninformal,generallynaturallanguagedescriptionofdesiredsystembehavior.Policiesmaybedefinedforparticularrequirements,suchasconfidentiality,integrity,availability,safety,etc.

Posting-Theprocessofupdatingindividualcardholderaccountbalancestoreflectmerchandisesales,instantcash,cashadvances,adjustments,paymentsandanyotherchargesorcredits.

PrimaryAccountNumberPAN-Thenumberthatisembossedand/orencodedonaplasticcardthatidentifiestheissuerandtheparticularcardholderaccount.

PrimeRateorPrimeInterestRate-Theinterestrateatwhichbankslendtotheirmostcreditworthyprimecustomers.Theprimerateisknowntochangebutnotonaregularbasis.

ProcessingDate-Thedateonwhichthetransactionisprocessedbytheacquiringbank.

Receipt-Ahardcopydocumentthatrecordswhenatransactiontookplaceatthepointofsale.Thereceiptcontainsadescriptionofthetransaction,whichusuallyincludesthedate,themerchantname/location,theprimaryaccountnumber,theamountandthereferencenumber.

RecurringBilling-Transactionsforwhichacardholdergrantspermissiontothemerchanttoperiodicallychargehisaccountnumberforrecurringgoodsorservices.

ReferenceNumber-Numberassignedtoeachmonetarytransactioninadescriptivebillingsystem.Eachreferencenumberisprintedonthemonthlystatementtoaidinretrievalofthedocument,shoulditbequestionedbythecardholder.

Refund&ndash Thecreationofacredittoacardholderaccount,usuallyasaresultofaproductreturnortocorrectanerror.

RetailMerchant-Amerchantthatprovidesgoodsand/orservicesintheretailindustry,butthatisnotamail/phonemerchant,arecurringservicesmerchantoraT& Emerchant.

SalesDraft-AITrecordthatevidencesthepurchaseofgoodsorservicesbyacardholder.

SecuredCreditCards-Creditcardsthatrequirecollateralproperty,suchasahouse,carordepositofmoneyforapproval.Generally,securedcreditcardsareforpeoplewithnocreditorpoorcreditwhoaretryingtobuildorrebuildtheircredithistory.

ServiceCharge-Acomponentofsomefinancecharges,suchasthefeefortriggeringanoverdraftcheckingaccountintouse.

Settlement-Thereportingofsettlementamountsowedbyonemembertoanother,ortoacardissuingconcern,asaresultofclearing.Settlementistheactualbuyingandsellingoftransactionsbetweenthemerchants,processorsandacquirers alongwiththecard-issuingentities.

SettlementBank-Abank,includingacorrespondentorintermediarybank,thatisbothlocatedinthecountrywhereamember&rsquo ssettlementcurrencyisthelocalcurrency,andisauthorizedtoexecutesettlementofinterchangeonbehalfofthememberorthemember&rsquo sbank.

SmartCard-AplasticcardcontainingacomputerchipwithmemoryandCPUcapabilities.Suchacardmaybeusedforidentificationortostoreinformation,financialamountsorotherformsofdata.Alsocalledanintegratedcircuitcardorachipcard.

StandardFloorLimit-Afloorlimitthatvariesbymerchanttype.Thisreferstoacurrencylimitontransactions,abovewhichauthorizationrequestsarerequired.

Statement-Awrittenrecordpreparedbyafinancialinstitution,usuallyonceamonth,listingalltransactionsforanaccount,includingdeposits,withdrawals,checks,electronictransfers,feesandothercharges,andinterestcreditedorearned.Thestatementisusuallymailedtothecustomer.

Stored-valueCard-Astored-valuecardisacredit-card-sizeddevicethatisimplantedwithacomputerchipwithstoredmoneyvalue.Areloadablestored-valuecardcanbereusedbytransferringadollarvaluetoitfromanautomatedtellermachineorotherdevice.Adisposablecardcannotbereloaded.

Transaction-1Anyagreementbetweentwoormorepartiesthatestablishesalegalobligation.2Theactofcarryingoutsuchanobligation.3Allactivitiesaffectingadepositaccountthatareperformedattherequestoftheaccountholder.4Alleventsthatcausesomechangeintheassets,liabilitiesornetworthofabusiness.5Anactionbetweenacardholderandamerchantoracardholderandamemberthatresultsinactivityonthecardholderaccount.

TransactionIdentifier-Aunique15-charactervaluethatVISAassignstoeachtransactionandreturnstotheacquirerintheauthorizationresponse.VISAusesthisvaluetomaintainanaudittrailthroughoutthelifecycleofthetransactionandallrelatedtransactions,suchasreversals,adjustments,confirmationsandchargebacks.

UnsecuredCreditCards-Creditcardsthatarenotsecuredbycollateral.Customersqualifyforsuchcardsbasedontheircredithistory,theirfinancialstrengthandtheirearningspotential.

UserAuthentication-Processofvalidatingthatauseriswhos/herepresentsher/himselftobe.

ValidationCode-Aunique4-charactervaluethatVISAincludesaspartoftheCPS/ATMprogramineachauthorizationresponse.Thiscodeensuresthatkeyauthorizationfieldsarepreservedintheclearingorsettlementrecord.

VariableInterestRate-Withvariable-ratecards,theAPRchangeswheninterestratesorothereconomicindicatorschange.Alsoknownasafloatingrate.

Visa-VisaInternationalServiceAssociationandallofitssubsidiariesandaffiliates.

VisaCard-AcardthatbearstheVisasymbolandwhichenablesaVisacardholdertoobtaingoods,servicesorcashfromaVisamerchantoracquirer.

VisaIssuer-AmemberthatissuesVisaCards.

VisaMerchant-AmerchantthatdisplaystheVisasymbolandacceptsallVisacards.

VoiceAuthorization-Anapprovalresponsethatisobtainedthroughinteractivecommunicationbetweenanissuerandanacquirer,theirauthorizingprocessorsorstand-inprocessingorthroughtelephone,facsimileortelexcommunications.

VoidTransaction-Adeletionofthetransactioninformation.

Voided-Nullifiesatransactionthathasbeenrecordedforsettlement,buthasnotyetbeensettled.Thisremovesthetransactionfromthebatchoftransactionstobesettled.

From声誉卡常用术语 行业英语词汇年夜全 声誉卡术语 行业英语词汇