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【速搜问答】万事达卡是什么

问答 admin 3年前 (2020-07-14) 525次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

万事达卡(MasterCard)是一种国外的信用卡组织的名字,国内主要的商业银行都是万事达卡的会员,也就是说大部分银行的信用卡都为万事达卡。通常在申请信用卡时,客户可以自主申请VISA信用卡或MasterCard卡。 万事达卡(MasterCard)(纽约证券交易所股票交易代码:MA)成立于 1966 年,全球总部设在美国东部的纽约。作为全球领先的支付公司,万事达卡致力于提供全球消费者一个更便利与更有效率的金融支付环境。透过针对支付行业的支付加盟、处理中心及顾问服务,万事达卡为全球金融机构、政府、企业、商户和持卡人提供领导全球性的商务链接。借助旗下的 MasterCard®、Maestro®、Cirrus®品牌,和作为核心产品的信用卡、借记卡和预付卡,以及创新多功能性平台,如 MasterCard PayPass™ 和 MasterCard inControl™,万事达卡不断促进全球商务,为超过 210 个国家及地区的消费者、政府和商户提供服务。

MasterCard is the name of a foreign credit card organization. Major domestic commercial banks are members of MasterCard, that is to say, most of the credit cards of banks are MasterCard. Usually, when applying for a credit card, customers can apply for visa credit card or MasterCard card card on their own. MasterCard (NYSE: MA) was founded in 1966 and its global headquarters is located in New York in the eastern United States. As a leading global payment company, MasterCard is committed to providing global consumers with a more convenient and efficient financial payment environment. Through the payment franchise, processing center and consulting services for the payment industry, MasterCard provides leading global business links for financial institutions, governments, enterprises, merchants and cardholders. With its MasterCard, Maestro and cirrus brands, as well as credit, debit and prepaid cards as core products, as well as innovative multi-functional platforms such as MasterCard paypass ™ And MasterCard incontrol Gamma MasterCard continues to promote global business, serving consumers, governments and businesses in more than 210 countries and regions.

1、优势:MasterCard 比较适合经常去欧洲和北美的用户,在这些地区刷 MasterCard 结算起来会比较有优势。同时该信用卡在国内的优惠活动比较多,同样适合在国内消费的用户。

1. Advantages: MasterCard is more suitable for users who often go to Europe and North America. It will be more advantageous to brush MasterCard in these areas. At the same time, the credit card has more preferential activities in China, which is also suitable for domestic consumers.

2、劣势:在海外消费不慎丢失卡片,可以在海外办理补卡手续,但 MasterCard 的海外补卡收费标准为 148 美元/张,远远高于国内的补卡费用。

2. Disadvantage: if you lose your card when you consume abroad, you can apply for a replacement card overseas. However, MasterCard’s overseas card replacement fee is 148 US dollars per card, which is much higher than the domestic card replacement fee.

美国金融机构于 50 年代末至 60 年代初期创立了一种国际通行的信用卡体系,随即风行世界。1966 年,一部分银行组成了一个称为银行卡协会(Interbank Card Association)的组织,1969 年银行卡协会购下了 MasterCharge 的专利权,统一了各发卡行的信用卡名称和式样设计。随后十年,将 MasterCharge 原名改名 MasterCard。

American financial institutions established an international credit card system from the late 1950s to the early 1960s, and then it became popular in the world. In 1966, some banks formed an organization called interbank Card Association. In 1969, the bankcard association purchased the patent right of MasterCharge, unifying the credit card name and design of each card issuing bank. In the next decade, MasterCharge was renamed MasterCard.

介绍

introduce

万事达卡于 1988 年进入中国,成为第一个进入中国的国际支付公司,目前国内主要商业银行都是万事达卡的会员。二十余年来,万事达卡国际组织在帮助中国的银行卡业从起步到发展上都起到了不可磨灭的作用。大多数中国会员银行的信用卡都使用万事达卡的品牌。万事达卡同时也是最先在中国实现全球联网业务的国际组织,为国家创造了大量的外汇收入,为会员银行和广大商户创造了各种商业机会和丰厚的利润。

MasterCard entered China in 1988 and became the first international payment company to enter China. At present, all major domestic commercial banks are members of MasterCard. Over the past 20 years, MasterCard International Organization has played an indelible role in helping China’s bankcard industry from the beginning to the development. Most Chinese member banks use the MasterCard brand for their credit cards. MasterCard is also the first international organization to realize global networking business in China. It has created a lot of foreign exchange income for the country, and created various business opportunities and rich profits for member banks and merchants.

与 VISA 卡区别

Different from visa card

目前国际上有六大信用卡品牌,分别是威士国际组织(VISA International)及万事达卡国际组织(MasterCard International)两大组织及美国运通国际股份有限公司(America Express)、中国银联股份有限公司(China UnionPay Co.,Ltd.)、大来信用卡有限公司(Diners Club)、JCB 日本国际信用卡公司(JCB)四家专业信用卡公司。

At present, there are six major credit card brands in the world, namely Visa International and MasterCard International, American Express and China UnionPay Co, Ltd., Diners Club and JCB Japan international credit card company.

VISA(威士卡)、Mastercard(万事达卡)、China UnionPay(银联卡)在全球范围构建了一个刷卡消费的联盟,国内银行与他们合作以后,国内银行发行的信用卡就能在他们联盟范围内刷卡消费,在部分国家地区甚至可以持银联卡直接消费。你可以在申请信用卡的时候选择申请 VISA(威士)信用卡还是 Mastercard(万事达)信用卡。

Visa (visa), MasterCard (MasterCard) and China UnionPay (UnionPay) have established a global card consumption alliance. After domestic banks cooperate with them, the credit cards issued by domestic banks can be used within the scope of their alliance. In some countries and regions, they can even use UnionPay cards directly. You can choose between visa or Mastercard when you apply for a credit card.

就目前来讲两家国际组织在国内区别不大,区别比较大的是银联卡,就像可口可乐和百事可乐跟娃哈哈,选择哪一个完全可以凭自己的喜好。如果你经常在亚洲、澳大利亚旅游或者刷卡消费的话,那么建议你选择 VISA,因为 VISA 在亚洲和澳大利亚受理的商户数量比较多,使用起来更方便。Mastercard 的优势在于欧洲和北美。经常去这欧洲和美洲的朋友可以选择 Mastercard(万事达)。

At present, there is little difference between the two international organizations in China. The big difference is UnionPay card. For example, Coca Cola, Pepsi Cola and Wahaha, which one can be chosen according to your own preference. If you often travel in Asia or Australia or spend money by card, you are advised to choose visa because visa has a large number of merchants in Asia and Australia, so it is more convenient to use. MasterCard’s strengths lie in Europe and North America. Friends who often visit Europe and America can choose MasterCard.

另外还有一个可以供你参考的数据,那就是海外补卡的收费,一旦不慎在海外遗失卡片,你可以向你所属的两家机构中的一家要求挂失,并在短时间内补卡,这两家组织的收费标准是不同的,目前的收费标准是:VISA:175 美元/张,Mastercard:148 美元/张。

In addition, there is another data for your reference, that is, the charge for overseas card replacement. Once you lose a card overseas, you can ask one of your two organizations to report the loss and make up the card in a short time. The charging standards of the two organizations are different. The current charging standards are: visa: 175 dollars / card, MasterCard: 148 dollars / card.

发展历史

History of development

金卡工程

Gold card project

银行卡的推广是金融现代化的一个组成部分。同其他领域的现代化进程一样,金卡工程也需要借鉴国际上的一些先进经验及曾经有过的教训。

The promotion of bank card is an integral part of financial modernization. Like the modernization process in other fields, the gold card project also needs to learn from some advanced international experiences and lessons.

在银行和大的商店里,你能经常看到一种由一红一黄两个球体紧密互锁而组成的图案标记。那就是世界闻名的银行卡联营组织——MasterCard International 万事达卡国际组织的标志。现在,全世界有千千万万的人持有万事达卡,把它作为一种先进的支付工具用以取 款和消费。在全球有 3000 多名工作人员运行着庞大的万事达卡系统,日日夜夜为它操劳忙碌。可是你能想得到吗?在 1966 年创业的初期,它只有 45 名工作人员。

In banks and large shops, you can often see a pattern of a red and a yellow sphere interlocking closely. That is the logo of MasterCard International, the world-famous bank card consortium. Now, thousands of people all over the world hold MasterCard, which is used as an advanced payment tool for withdrawal and consumption. More than 3000 people around the world run the huge MasterCard system, working for it day and night. But can you imagine that in its early days in 1966, it had only 45 employees.

高速发展

Rapid development

在万事达卡全球增长中,技术起到了重要的角色。最初发卡行与受理行之间的授权是通过打电话进行的,

MasterCard plays an important role in global growth. Initially, authorization between the issuing bank and the receiving bank was made by telephone,

1973 年

1973

银行间授权系统 INAS 开始运行,基本上淘汰了电话授权的方式。第 2 年所有的信用卡都采用了标准的磁条样式,这是技术上的重大进步。1975 年银行间电子资金转帐网络的开通,使清算结算的处理自动化,从此受理行不再需要将帐单邮寄给发卡行。

The inter-bank authorization system InAs began to operate, basically eliminating the way of telephone authorization. In the second year, all credit cards adopted the standard magnetic stripe pattern, which was a significant technical advance. In 1975, with the opening of the inter-bank electronic fund transfer network, the processing of clearing and settlement was automated. From then on, the accepting bank no longer needed to mail the bill to the issuing bank.

1983 年

1983

万事达卡首先推出了在卡上使用激光全息照相,用以防伪,从而最大限度地减少了成员行的欺诈损失,同年,推出了信用卡紧急更换(ECR)程序。

MasterCard first introduced the use of laser holograms on cards to prevent counterfeiting, thus minimizing the fraud losses of member banks. In the same year, it launched the emergency credit card replacement (ECR) program.

1984 年

1984

是万事达卡技术发展的里程碑。全球交易处理网络 Banknet 开通运行。INET 系统在这个网上得以运行,INAS 则使用这个网进行成员行与成员行平等授权(PTP)。1984 年,万事达卡自动销售点(POS)程序在美国达到全面可操作的水平,它更一步地支持了万事达卡 POS 业务。

It is a milestone in the development of MasterCard technology. Banknet, a global transaction processing network, has been put into operation. INET system runs on this network, and InAs uses this network for PTP between member banks. In 1984, the master card automatic point of sale (POS) program reached a fully operational level in the United States, which further supported the master card POS business.

1987 年

1987

银行网(Banknet)系统开始安装国际网点,为会员单位提供全方位的国际服务,也为下一步国际业务的发展打下了基础。

Banknet system began to install international outlets, providing all-round international services for member units and laying a foundation for the development of international business in the next step.

同年,电子图像系统在美国开通,它通过 Banknet 在成员行之间传送销售单据的影像。1990 年,这项业务推广为国际业务。为了支持加急业务市场的开拓,1989 年万事达卡公司又开发了万事达卡卡片处理系统(MCCPS), 它使美国以外的成员行能够利用微机,低成本地加速发行信用卡和受理信用卡。这种微机能提供一揽子“后台办公室”交易以及与 POS、ATM 的联网。

In the same year, the electronic imaging system was launched in the United States, which transmits images of sales documents between member banks through Banknet. In 1990, the business was extended to international business. In order to support the development of the market for urgent business, MasterCard developed the MasterCard card card processing system (mccps) in 1989. It enables member banks outside the United States to use computers to speed up the issuance and acceptance of credit cards at low cost. This kind of microcomputer can provide a package of “back office” transactions and networking with POS and ATM.

所获荣誉

Honors

2017 年 6 月,《2017 年 BrandZ 全球最具价值品牌百强榜》公布,万事达卡以 499.28 亿美元的品牌价值在百强榜排名排第 20 名。

In June 2017, the 2017 brandz list of the world’s top 100 most valuable brands announced that MasterCard ranked 20th in the top 100 list with a brand value of $49.928 billion.

2019 年 10 月,Interbrand 发布的全球品牌百强榜排名 62。

In October 2019, Interbrand ranked 62 in the global top 100 brand list.

2019 年 11 月 16 日,胡润研究院发布《2019 胡润全球独角兽活跃投资机构百强榜》,MasterCard 上榜。

On November 16, 2019, Hurun Research Institute released the “2019 Hurun global Unicorn active investment institutions top 100 list”, and MasterCard was listed on the list.

2020 年 1 月 22 日,名列 2020 年《财富》全球最受赞赏公司榜单第 42 位。

On January 22, 2020, it was ranked 42nd on fortune’s list of the world’s most admired companies in 2020.

2020 年 1 月,2020 年全球最具价值 500 大品牌榜发布,万事达卡排名第 86 位。

In January 2020, the list of the world’s 500 most valuable brands was released in 2020, and MasterCard ranked 86th.

2020 年 2 月 20 日,入选福布斯区块链 50 强榜单(第 2 期)。

On February 20, 2020, it was selected into the Forbes blockchain top 50 list (phase 2).

2020 年 5 月 13 日,万事达卡名列 2020 福布斯全球企业 2000 强榜第 275 位。

On May 13, 2020, MasterCard ranked 275 on Forbes 2020 global enterprise 2000 list.

2020 年 5 月 18 日,万事达卡位列 2020 年《财富》美国 500 强排行榜第 191 位。

On May 18, 2020, MasterCard ranked 191 on the Fortune 500 list in 2020.

2020 年 6 月 30 日,万事达卡位列“2020 年 BrandZ 最具价值全球品牌 100 强”排行榜第 10 位。

On June 30, 2020, MasterCard ranked No. 10 in the “brandz 2020 top 100 most valuable global brands”.

新产品和服务

New products and services

虽然,从一开始万事达卡是一个信用卡公司,但在 1979 年,它已成为国际性的综合支付服务公司。从那时至今万事达卡提供了全方位的支付产品和服务。

Although MasterCard was a credit card company from the beginning, it became an international integrated payment service company in 1979. Since then, MasterCard has provided a full range of payment products and services.

1981 年万事达卡首先进行了市场的分级。它在美国发行了万事达金卡以针对较高消费能力的客户,同时它还发行了万事达旅行支票。1985 年又发行了万事达商业卡。1986 年作为万事达金卡的加强措施,开发了万事达服务帮助体系。1988 年,万事达 卡发行了一种脱机处理的转帐卡 MasterDebit,现称为 MasterMoney。同年,万事达卡收购了 Cirrus 系统公司。这个公司拥有最大的美国和加拿大自动柜员机 ATM 网络。次年,组成了全球最大的 ATM 网。万事达卡在 90 年代致力于对其产品增值。1990 年,它开发了 Mastervalues POS 折扣程序,在美国成功推行后便很快在亚太、拉美和加勒比海地区推广开来。

In 1981, MasterCard first graded the market. It issued MasterCard gold cards in the United States to target customers with higher spending power, as well as MasterCard traveler’s checks. In 1985, MasterCard was issued. In 1986, as a strengthening measure of MasterCard, MasterCard service help system was developed. In 1988, MasterCard issued a kind of offline transfer card masterdebit, now called mastermoney. In the same year, MasterCard acquired cirrus systems. The company has the largest ATM network in the United States and Canada. The next year, the largest ATM network in the world was formed. MasterCard was committed to adding value to its products in the 1990s. In 1990, it developed the mastervalues POS discount program, which was successfully implemented in the United States, and soon spread to Asia Pacific, Latin America and the Caribbean.

80 年代,具有联姻关系的银行卡开始出现并逐渐流行。1990 年,万事达卡推出了它的第一种联名卡。次年又通过批准联名卡申办程序的特殊规则,确立了万事达卡在这个领域的统治地位。1993 年,仅在美国就处理了 300 个联名卡申办程序,发行了 4000 万张联名卡和具有联姻关系的银行卡。联名卡已在世界范围内成为银行卡市场上的一支重要力量。万事达卡将其触角延伸到联机 POS 转帐业务是在 1990 年。它与欧洲卡国际组织、欧洲支票国际组织和美国地区性的电子资金转帐网络合伙,推出了世界上第一个全球联机 POS 转帐程序,取名为 Maestro。此外,为了在美国推行和操作 Maestro 系统,aestro U.S.A 公司宣告成立。在 1992 年,欧洲卡和欧洲支票国际公司合并为欧洲支付国际公司,(Europay International)。而后,万事达卡又和 Europay 组成了 Maestro 国际公司,以统辖 Maestro 的海外业务。至 1993 年底,Maestro 发行了 11 亿张卡。至今 Maestro 卡仍保持高速增长的势头。

In the 1980s, bank cards with marriage relationship began to appear and gradually became popular. In 1990, MasterCard launched its first co branded card. The following year, the special rules for approving the application procedures of CO branded cards established the dominant position of MasterCard in this field. In 1993, 300 applications for CO branded cards were processed in the United States alone, and 40 million co branded cards and bank cards with intermarriage were issued. Co branded cards have become an important force in the bankcard market all over the world. MasterCard extended its reach to online POS in 1990. In partnership with Eurocard international, eurocheck international and the regional electronic funds transfer network in the United States, it launched the world’s first global online POS transfer program, named maestro. In addition, aestro U.S.A. was established to implement and operate maestro in the United States. In 1992, Eurocard and eurocheck international merged into europay international. After that, MasterCard and europay formed Maestro international company to control Maestro’s overseas business. By the end of 1993, Maestro had issued 1.1 billion cards. Up to now, Maestro card has maintained the momentum of rapid growth.

为了使成员行获得最高的效率和最高的利润,万事达卡在 1991 年成立了万事达卡大学。开始这所大学只向美国的成员行和万事达卡雇员提供有关课程和教学。到了 1993 年,该大学向所有区域提供更为广泛的课程教学,而且每门课的内容都针对客户特殊的考虑作了客户化,还能根据客户的需求进行增删。

In order to make the member banks obtain the highest efficiency and profit, MasterCard established the University of MasterCard in 1991. At first, the university only offered courses and teaching to American member banks and MasterCard employees. By 1993, the university offered a wider range of courses to all regions, and the contents of each course were customized for the special needs of customers, and could be added or deleted according to the needs of customers.

1993 年,万事达购买卡被推出,以瞄准美国的近 4000 亿的公司购买力市场。同年,在美国又推出了万事达卡银行服务 MasterBanking)。它是一种全

In 1993, MasterCard was launched to target the nearly 400 billion company purchasing power market in the United States. In the same year, masterbanking was launched in the United States. It is a complete


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