特约商户

有了这张卡，您可以享受所有POS机特约商户消费，代发工资，代缴电费和煤气费等业务。

With this card , you may enjoy services like consumption at POS terminals of all merchants , payroll service , payment for power and gas , etc.

特约商户与持卡人是两个相互牵制的因素。

Merchant and cardholder are two containing factors for each other .

信用卡冒用的成功与持卡人、银行和特约商户三方皆相关。

The success of fraudulent use of credit card is related to cardholder , bank and merchant .

因此，如何建立规模庞大的信用卡特约商户市场，是信用卡市场推广面临的重要课题之一。

Therefore , how to establish a large-scale special customer market of credit card is one of the important tasks .

持卡人在中国银行和企业指定的特约商户消费时，可以享受特别的优惠。

When the cardholder consumes at ay merchant designated by Bank of China and your firm , you can enjoy preferential treatment .

持卡人、发卡行、特约商户三方之间的关系是由银行主导发起，三方皆从信用卡使用中受益。

In fact , the relationship between bank , cardholder and merchant is initiated by the bank , they all benefit from credit card business .

然后重点分析信用卡持卡人与发卡银行、发卡银行与特约商户、持卡人与特约商户、发卡银行与收单机构之间的法律关系。

Then selective analyzes the legal relationship between the cardholder and the card issuing bank , the issuing bank and the merchant , cardholders and the merchant .

论文的核心部分对中国信用卡市场的未来发展提出了对策，发卡行、持卡人以及特约商户应采取的行动：完善信用卡配套服务；

Core thesis of the article put forward measures to the future development , issuers , cardholders and merchants should take special action : improving supporting services ;

本文重点研究信用卡数据集市的建立和数据挖掘技术在信用卡信用评估、客户、特约商户价值的区分和客户消费偏好中的一些应用。

This thesis mainly researches the credit card data mart establishment and the application of data mining technology in credit assessment , customers and merchants value partition , customers consumptive preference .

而无论是基于现行法律的规定、特约商户与持卡人间的合同要求还是从诚实信用原则出发，相对于持卡人，特约商户都应当承担信用卡审核义务。

But regardless of existing laws and regulations , based on special merchants CARDS and human contract requirements or from the honesty and credit principle , for the answers must be certain .

在我国信用卡的使用中，持卡人应尽到妥善保管的义务，银行应尽到对特约商户审查培训的义务，特约商户应尽到对信用卡的审查义务。

In the use of credit cards , the cardholder should have obligation to safekeep card , the bank should censor merchants and train their cashier , and the merchant should review the credit card carefully .

而在内部因素中，顾客满意度低下、银行卡部门管理体制的陈旧、持卡人市场的滞后、特约商户市场的不完善以及金卡工程运行中的问题制约了北京银行卡市场的发展。

Among those internal factors are the low customer satisfaction , the out-of-date management system of banking cards division , the underdeveloped markets of cards users and business partners engaged , and problems in " golden Cards Project " .

对于银行而言，持卡人的数量以及人群素质直接关系到特约商户的交易量；而对于持卡人而言，银行能否发展一些符合他们需要的特约商户又直接影响到了他们的用卡积极性。

For bank , the quantity as well as quantity of cardholders directly influences the volume of trade of merchant ; And for cardholder , whether banks can develop much merchant that accord with their demands directly affected them use card actively .

第二部分信用卡交易中的当事人及其法律关系，着重从民商法角度分析发卡机构、持卡人、特约商户之间的基础法律关系及其他参与者之间的法律关系。

The second chapter " of credit card transactions the parties and their legal relationship ", focusing on Civil and Commercial Law from the perspective of credit card issuers , cardholders , merchants and the legal relationship between the basis of the legal relationship between the other participants .

首先，以民事义务的来源为视角，无论是从法律规定、合同约定或是产生一般注意义务的诚信原则要求来看，相对于持卡人，特约商户都应当承担特定的审核义务。

First , the source of the civil obligations as a visual Angle , either from the law , the contract or produce the obligation of good faith principle generally pay attention to see requirements , relative to the cardholder , special merchants should take specific review obligation .