卡基支付模型

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Card-Based Payment Instrument Issuer (CISP)
卡基支付工具发行人（CISP）

Payment transactions through a card-based payment instrument issuer Operating model and principal features
通过卡基支付工具发行人的支付交易操作模型和主要特征

1. The payer signs an agreement with another PSP/CISP that offers the alternative payment card and issues the new card with specific credentials (PIN code = strong authentication). The Payer gives consent to his AS PSP, identifying the PSP/CISP to whpm, if addressed, the AS PSP should give the answer on the availability of funds;
   1.付款人与另一个提供替代支付卡的PSP / CISP签订协议，并发行具有特定凭证（PIN码=强身份验证）的新卡。付款人同意他的AS PSP，确定PSP / CISP为代理，如果同意，AS PSP应该给出关于资金可用性的回复;

2. At POS, the payer initiates the card payment transaction by entering his PIN code (SCA);
   2.在POS上，付款人通过输入他的PIN码（SCA）来启动卡支付交易;

3. The merchant’s PSP requests the confirmation on the availability of funds to the PSP/CISP who issued the payment card;
   3.商家的PSP要求向发行支付卡的PSP / CISP提供有关资金的确认;

4. The PSP/CISP requests the confirmation on availability of funds to the payer’s AS PSP where the payer’s account is;

5. PSP / CISP向付款人账户所在的AS PSP确认资金可用性;

6. The Payer’s AS PSP gives a simple Yes/No answer on the availability of funds;
   5.付款人的AS PSP对资金的可用性给出了简单的是/否答案;

7. The PSP/CISP sends the answer to the Merchant via the merchant’s PSP and the card transaction at the POS can be concluded or denied in case of insufficient funds;

8. PSP / CISP通过商家的PSP向商家发送回复，如果资金不足，可以结束或拒绝POS上的卡交易;

9. Meanwhile, if requested by the payer, his AS PSP sends him information that there has been a request for confirmation on the availability of funds from a specific PSP/CISP and the answer that was given.
   7.同时，付款人要求他的AS PSP向他发送信息，表明已经确认特定PSP / CISP的资金可用性以及给出的回复。
   

   

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• The payment account of the payer is accessible online at the time of the request;
  付款人的付款帐户可在请求时在线访问;

• Before the first confirmation is made, the payer gives explicit consent to the ASPSP to respond to confirmation requests from the CISP;
  在第一次确认之前，付款人明确同意ASPSP响应CISP的确认请求;

• The confirmation shall not allow the ASPSP to block the funds on the payer’s payment account
  确认​​不允许ASPSP冻结付款人支付账户上的资金

• The funds are settled for example through a direct debit transaction between the payer’s ASPSP and the issuer
  资金通过付款人的ASPSP和发行人之间的直接借记交易（代扣）来结算

• Payment transactions initiated through card-based payment instruments on which electronic money is stored are excluded.
  通过存储电子货币的卡基支付工具发起的支付交易被排除在外。