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 ADVISEMENTDETAILDATE: 16 MAR 2009TIME: 08:14REPORT: BSADV308-AAPAGE: 1DELIVERY MEDIA: S.W.I.F.TDESTINATION: XXXXXTO TRANSFER AGENT:TRANSFER AGENT ID:TRANSFER AGENT BANK:CONTACT NAME:XYZ BANKxxxxXYZ BANK - FRANKFURT BRANCHXXXX XXXSETTLEMENT SERVICE NAME:EURO REGIONAL(4TH CLRG SETT)SETTLEMENT SERVICE ID:EU00000007SETTLEMENT SERVICE TYPE:RegionalSCHEDULED CUTOFF TIME:09:00SCHEDULED SETTLEMENT CYCLE:1SETTLEMENT BANK NAME:JP MORGAN CHASE LONDON (EUR)SETTLEMENT DATE:16 MAR 2009SETTLEMENT ACCOUNT NBR:23097201SETTLEMENT ROUTING NBR:CHASGB2L XXNORECON DATEINPUTSOURCE113 MAR 20090000000001214 MAR 20090000000001314 MAR 20090000000001414 MAR 20090000000001514 MAR 20090000000001614 MAR 20090000000001714 MAR 20090000000001816 MAR 20090000000001916 MAR 200900000000011016 MAR 200900000000011116 MAR 20090000000001FileID0010903130000000xxxx056010010903140000000xxxx011010010903140000000xxxx022010010903140000000xxxx034010010903140000000xxxx044010010903140000000xxxx056010010903140000000xxxx066010010903160000000xxxx011010010903160000000xxxx022010010903160000000xxxx034010010903160000000xxxx04401NO ORIGINATEDIND/RECEIVEDIND/NET AMOUNT IND/PaymentCPaymentCPaymentC10.00C159.70D159.70D20.00C4,594.26D4,594.26D30.00C4,911.30D4,911.30DAGENT ACCOUNT NUMBER:XXXXXXXXXXBANK ROUTING NUMBER:XXXXXCURRENCY NAME:EUROCURRENCY CODE:EUR/978COUNTRY CODE:DEUVALUE DATE:18 MAR 2009MEMBER NAME:XYZ BANKMEMBER ID:xxxxINTERNAL ID:XXXX40.00 C4,492.34 D4,492.34 D50.00 C2,162.83 D2,162.83 D60.00 C74.61 D74.61 D70.00 C364.56 D364.56 D80.00 C14,390.35 D14,390.35 D90.00 C5,252.12 D5,252.12 D100.00 C20,824.47 D20,824.47 D110.00 C1,972.80 D1,972.80 DMEMBER TOTALSIN PAYMENTCURRENCY 978:0.00 C59,199.34 D59,199.34 DACCOUNT TOTALSIN PAYMENTCURRENCY 978:0.00 C59,199.34 D59,199.34 DMASTERCARDST. LOUIS636-722-7676FROM NAME:FROM OFFICE:FROM PHONE NUMBER: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（ ACCOUNTTOTALS 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 Date2）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金，当天记入卡中心账户，附言里注明 ICA2571、Mas terCard，Settl eme nt Date三、费用处理对于每笔借记类交易，法兰克福分行收取15欧元的手续费手续 费按笔收取，与交易资金一同扣划卡中心资金四、头寸管理 信用卡中心负责本中心开立在总行的欧元账户的资金管理．。