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THE ANATOMY OF A TRANSACTION

A U T H O R I Z AT I O N

ANATOMIA DE DE UNA TRANSACCIN LANATOMIE DUNE TRANSACTION LA ANATOMA UMA TRANSAO


TIME OF PURCHASE FOR DUAL AND SINGLE MESSAGE TRANSACTIONS

Cardholder submits MasterCard en el identifique la dans le lecteur de localMerchants identifique o banco dterminer el banco del estabelecimento cartes que bank asks banque du MasterCard account MasterCard to determine del comerciante tarjetahabiente du commerant titulaire de carte comercial do usurio to merchant cardholders bank 1 2

El titulaire de la carte Le usurio apresenta O tarjetahabiente presenta la passe sa no tarjeta o carto MasterCard

El del comerciante La banco do estabelecimento O banque du commerant le pide a pede MasterCard demandeMasterCard que comercial MasterCard de

MasterCard authorization banque du identifica banco do identificael banco del dtermineola system validates card security featuressolicita la tarjetahabiente y a usurio de carte and titulaire e solicita et demande approves sending to cardholders bank aprobacin de la lachat aprovao da decompra lapprobation compra for purchase approval 3

La rseau MasterCard A red da MasterCard Leredede MasterCard

CLEARING

AUTORISATION Z O CIN

Unrivaled Integration Connects financial institutions and 4 6 7 5 Connecte 210 pays Conecta 210 pases a 210 pases y mais million accepem mas de 25.000 other entities etaplus de 25 000 and 33 de 25,000 Cardholder completes Cardholders bank Merchants bank sends MasterCard sends approval El to merchant commerant envoie MasterCard enva lal'approbation La banque du envoie aprobacin O do comerciante enva A MasterCard envia a aprovao El tarjetahabiente concluye O titulaire receives compra Le usurio de carte effectue El banque du titulaire del tarjetahabiente O banco do usurio de tance locations in over 210 countries La institutions financires instituciones financieras instituies financeiras purchase andconclui areceipt la approval banco del estabelecimento to merchants bank approves purchase la aprobacin aucomerciante al labancodel du commerant l'approbation al acommerant banco do comerciante comercial envia aprovao ao banque estabelecimento compreetum recibo reu e obtm reoit un lachat y obtiene un recibo aprueba compra aprova a la compra carte approuve lachat through the industrys only globally ao estabelecimento comercial Procesa transactions Processatransacciones USUALLY WITHIN ONE DAY FOR DUAL MESSAGE TRANSACTIONS; TIME OF PURCHASE FOR SINGLE MESSAGE TRANSACTIONS integrated Traite destransaes em processing network en
DROULEMENT COMPRA MOMENTO DE LA COMPRA DA DE LACHAT
Merchants bank sends purchase information to MasterCard network El banque du commerant del comerciante enva O banco do estabelecimento comercial La 1 MasterCard clearing system validates information and approves sending purchase information to cardholders bank, which MasterCard enva cardholders statement lachat Aprepares data enviales informaode surcompra al la MasterCard for la a informations la envoie informacin da compra ao

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THE MASTERCARD Rede de Red da WORLDWIDE Rseau de NETWORK

MasterCard

dansde 160 monedas ms plus de 160 devises mais de 160 moedas

la informacin de a compra a la (adquirente) envia la informao envoie les informations sur red de MasterCard MasterCard da comprarseau MasterCard lachat au rede da

banco del usurio, ode carte, qui prpare des donnes do titulaire qual, el posse desses dados, banque dutarjetahabiente,de cual prepara con estos 2 datosle o extrato de contadel tarjetahabiente prepararelev de compte du titulaire de carte pour el estado de cuenta do usurio

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NK 3 MasterCard clearing system provides comprehensive MasterCard proporciona A to both the MasterCard fournit le reconciliation MasterCard fornece merchants a conciliao completa ao bank and to the la conciliacin completa rapprochement complet cardholders bank do estabelecimento al banco du commerant banco del comerciante la banque

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Unequaled Intelligence A la capacit de traiter Tiene la capacidad Tem capacidade dede Balances the speed and reliability of 140 millions140 milhes administrar de millones distributed processing with the hora transactions par heure de transaes por hora transacciones por etagilitysa portion de y e traite of centralization processar a partes availability and de procesar las etapa chaque cabe de cadafor de cada processing que lhe transaccin en to dynamically adapttransaction en 120 millisecondes mdia un transao em uma each transaction promedio de 120
en moyenne milisegundos de 120 milisegundos

Unmatched Scalability A pargn aux clients Le ha ahorrado a seus Economizou, parasus Extends bandwidth on demand toa environ 900 annes clientes o equivalente clientes,unequivalente customize processing forde temps cumulatives any payment aproximado aproximadamente 900 casi 900 de traitement depuis aos en tempo anos emtiempo de transaction, channel or market Unsurpassed Reliability Leverages tri-dundant routing and A trait 1414 bilhes de Ha procesado 14 mil Processou milliards multi-site processing to achieve an dautorisations pour millones de autorizaciones autorizaes para cartes award-winning 99.9%MasterCard la marque MasterCard de tarjetas de marca da marca global availability en 2005 MasterCard em 2005 en el 2005 Unparalleled Speed Drives a network response time thats more than twice as fast as other networks, averaging 130 milliseconds per transaction, to process over 27 billion MasterCard-branded transactions per year
son augmentation de su procesamiento desde processamento desde capacit en 1997 1997 actualizacin en 1997 sua atualizao, em

SC L E AP E N S A O EO T L E MN G T C I N TM RI EN

USUALLY WITHIN TWO DAYS UN DA HEURES HABITUELLEMENT DANSDIA DUAL MESSAGE TRANSACTIONS; TIME OF PURCHASE FOR SINGLE MESSAGE TRANSACTIONS GENERALMENTE TOMA LES GERALMENTE LEVA UM FOR 24 2. MasterCard calculates net settlement O bancoand de rglement 6. Cardholders bank position de liquidao El banco La banque de liquidacin sends advisement to dudel El banco titulaire da MasterCard envoie el La banque merchants bank and cardholders envia o le bills cardholder for de de Mastercard enva MasterCard purchases bank and Transfer Funds Order to settlement bank

comercial

5. Merchants bank pays merchant for cardholders purchase

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tarjetahabiente O carte do usurio de bancoenvoie le enva el pago a MasterCard envia o pagamento paiement MasterCard MasterCard

pago al la banco pagamento banco del do paiement ao banque du comerciante estabelecimento comercial commerant
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LaO banco du estabelecimento banque do El comercial paga a quantia da compra banco del paie le commerant comerciante paga estabelecimento ao el monto de lachat commerant pour la compra al comerciante ducomercialde carte titulaire

1 1. Merchants bank sends clearing data to MasterCard 2

3 3. Settlement bank facilitates exchange of funds GNRALEMENT DANS LES DEUX JOURS GENERALMENTE TOMA DOS DAS GERALMENTE LEVA DOIS DIAS to guarantee payment to merchants bank

El banco del usurio 4 O banque du titulaire do La tarjetahabiente factura cobra o usurio le de carte facture al tarjetahabiente titulaire4. Cardholders bank de carte
sends payment to settlement bank

AOTE-0312 2012 MasterCard AOTP-0707 AOTS-0707 AOTF-0707 2006 MasterCard

R I Q U IE M E N N L G L D A T CI O

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