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kortutgivare (card issuer)
the number of cards with a debit function refers to the total number of cards in circulation and not to the number of accounts to which the cards are linked. the distinguishing feature of a card with a debit function, in contrast to a card with a credit function or a delayed debit function, is the contractual agreement to charge purchases directly to funds on the cardholder’s current account. card with a delayed debit function a card enabling cardholders to have their purchases charged to an account with the card issuer, up to an authorised limit. the balance in this account is then settled in full at the end of a pre-defined period. the holder is usually charged an annual fee. the distinguishing feature of a card with a delayed debit function, in contrast to a card with a credit function or a debit function, is the contractual agreement granting a credit line but with an obligation to settle the debt incurred at the end of a pre-defined period. this type of card is commonly referred to as a ‘charge card’. card with a payment function (except cards with an e-money function only)
för fyrpartssystem kan följande enheter vara kortutgivare:
transactions in which the cardholder receives cash at a pos terminal in combination with a payment transaction for goods or services. if it is not possible to distinguish data on cash advances at pos terminals, these are reported as ‘pos transactions’. central bank
i analysen av hur rekommendationen om förbindelserna mellan kortutgivare och-innehavare har tillämpats tas även denna fråga upp.
this problem is also being tackled as part of the review of the application of the recommendation on the relationship between issuers and bearers.
ett förbud för konkurrerande betalningssystem och för kortutgivare som inte är banker att använda ett gemensamt varumärke kan begränsa konkurrensen mellan betalningssystemen och mellan banker och andra kortutgivare.
the prohibition on co-branding with networks which are deemed competitors and with non banks might limit competition between networks and between banks and non-banks respectively.
kommissionens rekommendation 88/590/eeg av den 17 november 1988 om förhållandet mellan kortinnehavare och kortutgivare, där utgivarna av betalningsmedlen uppmanas att införa gemensamma avtalsvillkor för deras säkerhet och tillhörande uppgifter samt för
commission recommendation 88/590/eec of 17 november 1988 concerning the relationship between cardholder and card issuer, which calls on payment card issuers to adopt common terms of contract on the security of the payment device and of related data, and on the cardholder's own obligations in the case of lost, stolen or illegally copied payment devices;