ISO 18245-2003 Retail financial services - Merchant category codes《零售金融业务 商业分类代码》.pdf

1、 Reference number ISO 18245:2003(E) ISO 2003INTERNATIONAL STANDARD ISO 18245 First edition 2003-04-01 Retail financial services Merchant category codes Services financiers aux particuliers Codes de catgorie marchande ISO 18245:2003(E) PDF disclaimer This PDF file may contain embedded typefaces. In a

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6、11 Geneva 20 Tel. + 41 22 749 01 11 Fax + 41 22 749 09 47 E-mail copyrightiso.org Web www.iso.org Published in Switzerland ii ISO 2003 All rights reservedISO 18245:2003(E) ISO 2003 All rights reserved iiiContents Page Foreword iv 1 Scope 1 2 Terms and definitions. 1 3 Merchant category codes. 1 4 Ap

7、plication for code value additions, changes and deletions. 2 4.1 Application procedure 2 4.2 Criteria for approval of a new merchant category code . 2 4.3 Criteria for approval of a merchant category code change or deletion 2 5 Registration and Maintenance Management Group (RMMG). 2 5.1 Constitution

8、 . 2 5.2 Responsibilities. 3 5.3 Voting procedures 3 6 Maintenance Agency (MA) . 3 6.1 Appointment 3 6.2 Resignation 3 6.3 Responsibilities. 4 7 Appeal process . 4 7.1 Appeal bodies 4 7.2 Information to be provided. 4 8 Publication of changes to ISO 18245 5 Annex A (normative) Merchant category code

9、s 6 Annex B (normative) Merchant category code application 28 Annex C (informative) Decision process for merchant category code applications. 29 ISO 18245:2003(E) iv ISO 2003 All rights reservedForeword ISO (the International Organization for Standardization) is a worldwide federation of national st

10、andards bodies (ISO member bodies). The work of preparing International Standards is normally carried out through ISO technical committees. Each member body interested in a subject for which a technical committee has been established has the right to be represented on that committee. International o

11、rganizations, governmental and non-governmental, in liaison with ISO, also take part in the work. ISO collaborates closely with the International Electrotechnical Commission (IEC) on all matters of electrotechnical standardization. International Standards are drafted in accordance with the rules giv

12、en in the ISO/IEC Directives, Part 2. The main task of technical committees is to prepare International Standards. Draft International Standards adopted by the technical committees are circulated to the member bodies for voting. Publication as an International Standard requires approval by at least

13、75 % of the member bodies casting a vote. Attention is drawn to the possibility that some of the elements of this document may be the subject of patent rights. ISO shall not be held responsible for identifying any or all such patent rights. ISO 18245 was prepared by Technical Committee ISO/TC 68, Ba

14、nking, securities and other financial services, Subcommittee SC 6, Retail financial services. This first edition of ISO 18245 cancels and replaces ISO 8583:1993, which has been technically revised. INTERNATIONAL STANDARD ISO 18245:2003(E) ISO 2003 All rights reserved 1Retail financial services Merch

15、ant category codes 1 Scope This International Standard defines code values used to enable the classification of merchants into specific categories based on the type of business, trade or services supplied. Values are specified only for those merchant categories that are generally expected to origina

16、te retail financial transactions. This International Standard also establishes the procedures for a Registration and Maintenance Management Group (RMMG), which considers requests for new code values, and a Maintenance Agency (MA), which provides the administrative procedures required to maintain an

17、up-to-date list of codes. It is not within the scope of this International Standard to mandate the use of merchant category codes in any given situation. 2 Terms and definitions For the purposes of this document, the following terms and definitions apply. 2.1 Maintenance Agency MA group responsible

18、for carrying out the administrative duties relating to the processing of merchant category code applications and the publication of up-to-date lists of merchant category codes 2.2 Registration and Maintenance Management Group RMMG group responsible for the registration of merchant category codes and

19、 the maintenance of the code value list, which includes but is not limited to reaching a decision to approve or reject each application received from the MA, and responding to requests for guidance regarding the submission of applications for merchant category code additions, changes or deletions 3

20、Merchant category codes Merchant category codes shall be allocated to enable the classification of merchants into specific categories based on the type of business, trade or services supplied. New businesses, trades or services shall be allocated a code value that is reasonable and substantially dif

21、ferent from other code values and that is separate and distinct from other industries. Each merchant category code assigned or reserved for future assignment is listed in Annex A of this document. Annex A shall be updated by the MA and updates shall be issued, at a minimum, at quarterly intervals in

22、 the event of any addition, change or deletion of a merchant category code in the previous quarter. The MA shall announce the availability of updates via its Internet site or other method of dissemination, and by notice to the Secretariat of ISO/TC 68/SC 6. Each member body of the Secretariat of ISO

23、/TC 68/SC 6 shall determine its own method of distributing the updates to its members. Annex A shall be kept up to date by the MA and shall be issued as required by users. ISO 18245:2003(E) 2 ISO 2003 All rights reserved4 Application for code value additions, changes and deletions 4.1 Application pr

24、ocedure An applicant shall apply to the ISO 18245 MA to request approval of a merchant category code addition, change or deletion by completing the merchant category code application given in Annex B. 4.2 Criteria for approval of a new merchant category code An application for a new merchant categor

25、y code value may be approved by the RMMG if the following conditions exist: a) the merchant category is reasonable and substantially different from all other merchant categories currently represented in the list of code values; b) the merchant category is separate and distinct from all other industr

26、ies currently represented in the list of code values; c) the proposal describes a merchant category or industry, and not a process; d) the minimum annual sales volume of merchants included in the merchant category, taken as a whole, is US$ 10 million; e) sufficient justification for the addition of

27、a new code value is found; and f) the information provided in the application is truthful and complete. 4.3 Criteria for approval of a merchant category code change or deletion An application to change or delete an existing merchant category code value may be approved by the RMMG if the following co

28、nditions exist: a) a proposed change to an existing code value does not narrow (but may widen) the scope of the merchant category described by the code value; b) sufficient justification for the change or deletion of an existing code value is found; and c) the information provided in the application

29、 is truthful and complete. A pending code value deletion shall be announced in an update at least six months prior to the official date of deletion. 5 Registration and Maintenance Management Group (RMMG) 5.1 Constitution In order effectively to manage the contents of ISO 18245, ISO/TC 68/SC 6 has es

30、tablished an RMMG, which is empowered to act on its behalf. The RMMG shall consist of: a) a representative of the MA, who shall be a non-voting member of the RMMG and shall be required to attend all meetings; b) the convenor; and ISO 18245:2003(E) ISO 2003 All rights reserved 3c) the secretary. In a

31、ddition, each member of ISO/TC 68/SC 6 is entitled to nominate one delegate and one alternate to the RMMG. The alternate may attend all meetings, but is entitled to vote only in the absence of the principal delegate. 5.2 Responsibilities The responsibilities of the RMMG shall be: a) to act on all ap

32、plications received from the MA; b) to respond to all requests for guidance from the MA; c) to approve the report of the MA; d) to review annually Annex A of ISO 18245 for the purpose of assessing the continued validity and relevance of the code values listed therein; e) to report its activities at

33、each meeting of ISO/TC 68/SC 6; and f) to establish, in the normal course of work, rules for the practical application of existing principles regulating the addition of new merchant category code values to ISO 18245. 5.3 Voting procedures The RMMG may use a postal or electronic ballot, or a vote tha

34、t takes place at a meeting, to make a decision regarding any application that it receives. If the application is a request for a new code value to be added to Annex A of ISO 18245, the approval by a majority of the voting members of the RMMG is all that is required. If the application is for a reque

35、st for more than 10 code values to be added to Annex A of ISO 18245, the unanimous approval of the RMMG (with at least five members voting) is required. Upon the failure of the RMMG to reach a decision by means of a postal or electronic ballot, the application at issue shall be referred to a meeting

36、 of the RMMG for a vote. 6 Maintenance Agency (MA) 6.1 Appointment One of the members of ISO/TC 68/SC 6, or any approved body, shall be appointed to act as the MA under legal agreement with ISO in accordance with Annex H of the ISO/TC 68 Directives. The address of the ISO 18245 MA is: ASC X9, Inc.,

37、ISO 18245 Maintenance Agency, 1120 Connecticut Avenue, NW, Washington, DC 20036. 6.2 Resignation If the MA finds it necessary to resign, six months notice shall be given to the ISO Central Secretariat and the Secretariat of ISO/TC 68/SC 6. The Secretariat of ISO/TC 68/SC 6 shall notify the RMMG and

38、initiate a ISO 18245:2003(E) 4 ISO 2003 All rights reservedsearch for a new MA. If a new MA cannot be found within six months, the Secretariat of ISO/TC 68/SC 6 shall assume the responsibilities of the MA on a temporary basis until a replacement is found. 6.3 Responsibilities 6.3.1 General The respo

39、nsibilities of the MA concern the processing of requests relating to Annex A of this document and administrative duties. 6.3.2 Processing of requests relating to Annex A of ISO 18245 The MA shall: a) process requests for new code values, changes to code values and the deletion of code values; b) obt

40、ain the consensus decision of the RMMG regarding all requests relating to Annex A of ISO 18245 before communicating the decision to the applicant; and c) maintain a database of all such code values. 6.3.3 Administrative duties The MA shall: a) submit to the RMMG any requests for changes to ISO 18245

41、; b) notify the applicant in writing as to the disposition of the application within one month of receipt of a completed Annex B (merchant category code application) of ISO 18245. In the event of the rejection of such an application, the notification to the applicant shall include the reason for rej

42、ection, citing the appropriate criteria as described in 4.2 of this document; c) submit an activity report to the RMMG for its review on a periodic basis. Such a report shall be sent to the secretary of the RMMG prior to each announced meeting date if at least three weeks notice is given, or shortly

43、 thereafter if less notice is given; d) submit annually to the Secretariat of ISO/TC 68/SC 6 and to the RMMG a complete extract of the database of all code values listed in Annex A of ISO 18245, and all approved amendments; e) ensure the publication and distribution of the code values listed in Anne

44、x A of ISO 18245, and all approved amendments; f) retain as a permanent record copies of all applications submitted to it, along with the disposition of each application. 7 Appeal process 7.1 Appeal bodies Upon rejection of a merchant category code application by the RMMG, the applicant is given 60

45、days from the date of the rejection notice to appeal to ISO through the Secretariat of ISO/TC 68/SC 6. If such an appeal is rejected by the Secretariat of ISO/TC 68/SC 6, the applicant may appeal to the ISO Central Secretariat. 7.2 Information to be provided The applicant shall provide the following

46、 information to the relevant appellate body in support of an appeal: ISO 18245:2003(E) ISO 2003 All rights reserved 5a) a statement describing the reason(s) for the dispute of the rejection, and the reason(s) that the applicant believes the rejected application meets the criteria for acceptance; and

47、 b) a statement of special circumstances (if any) under which a specific requirement of the rejected application can be met. 8 Publication of changes to ISO 18245 In January of each year, all approved amendments and all new, changed and deleted code values assigned during the previous year shall be

48、published by the MA and circulated to all ISO/TC 68 members. If no changes have been made during the previous year, then publication of the document is not required. Quarterly updates shall be available as described in Clause 3 of this document. All approved amendments and changes to the tables of c

49、odes of ISO 18245 shall be incorporated at each revision of ISO 18245 during the document review period, which occurs every five years. ISO 18245:2003(E) 6 ISO 2003 All rights reservedAnnex A (normative) Merchant category codes A.1 Introduction This Annex lists all merchant category code values in numerical order (see Table A.1) and alphabetical order (see Table A.2). Table A.1 Numerical listing of merchant category codes Range Codes Description 0001-0499 Reserved for ISO use 0500-0599 Reserved for national use 0000-0699 Reserved 0600-0699