ANSI ASC X9 X9.106-2003 Retail financial services Merchant category codes (ISO 18245 2003).pdf

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1、 ASC X9, Inc. 2003 All rights reservedAmerican National Standard forFinancial ServicesX9.106-2003Identical to ISO 18245:2003Retail financial services Merchant category codes Accredited Standards Committee X9, Incorporated Financial Industry Standards Date Approved: 12/17/2003 American National Stand

2、ards Institute ANS X9.106-2003 Identical to ISO 18245:2003(E) ii ASC X9, Inc. 2003 All rights reservedANS X9.106-2003 Identical to ISO 18245:2003(E) ASC X9, Inc. 2003 All rights reserved 1Contents Page Foreword 2 1 Scope.3 2 Terms and definitions.3 3 Merchant category codes.3 4 Application for code

3、value additions, changes and deletions 4 4.1 Application procedure4 4.2 Criteria for approval of a new merchant category code.4 4.3 Criteria for approval of a merchant category code change or deletion4 5 Registration and Maintenance Management Group (RMMG) 4 5.1 Constitution.4 5.2 Responsibilities 5

4、 5.3 Voting procedures 5 6 Maintenance Agency (MA)5 6.1 Appointment5 6.2 Resignation .6 6.3 Responsibilities 6 7 Appeal process .7 7.1 Appeal bodies .7 7.2 Information to be provided.7 8 Publication of changes to ISO 18245.7 Annex A (normative) Merchant category codes 8 Annex B (normative) Merchant

5、category code application.31 Annex C (informative) Decision process for merchant category code applications.33 ANS X9.106-2003 Identical to ISO 18245:2003(E) 2 ASC X9, Inc. 2003 All rights reservedForeword Approval of an American National Standard requires verification by ANSI that the requirements

6、for due process, consensus, and other criteria for approval have been met by the standards developer. Consensus is established when, in the judgment of the ANSI Board of Standards Review, substantial agreement has been reached by directly and materially affected interests. Substantial agreement mean

7、s much more than a simple majority, but not necessarily unanimity. Consensus requires that all views and objections be considered, and that a concerted effort be made toward their resolution. The use of American National Standards is completely voluntary; their existence does not in any respect prec

8、lude anyone, whether he has approved the standards or not from manufacturing, marketing, purchasing, or using products, processes, or procedures not conforming to the standards. The American National Standards Institute does not develop standards and will in no circumstances give an interpretation o

9、f any American National Standard. Moreover, no person shall have the right or authority to issue an interpretation of an American National Standard in the name of the American National Standards Institute. Requests for interpretation should be addressed to the secretariat or sponsor whose name appea

10、rs on the title page of this standard. CAUTION NOTICE: This American National Standard may be revised or withdrawn at any time. The procedures of the American National Standards Institute require that action be taken to reaffirm, revise, or withdraw this standard no later than five years from the da

11、te of approval. Published by: Accredited Standards Committee X9, Incorporated Financial Industry Standards P.O. Box 4035 Annapolis, MD 21403 USA X9 Online http:/www.x9.org Copyright 2003 ASC X9, Inc. All rights reserved. No part of this publication may be reproduced in any form, in an electronic ret

12、rieval system or otherwise, without prior written permission of the publisher. Published in the United States of America. ANS X9.106-2003 Identical to ISO 18245:2003(E) ASC X9, Inc. 2003 All rights reserved 3Retail financial services Merchant category codes 1 Scope This International Standard define

13、s 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 originate retail financial transactions. This International Standard

14、 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 up-to-date list of codes. It is not within the scope of this

15、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 for carrying out the administrative duties relating to the pr

16、ocessing 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 the maintenance of the code value list, which includes but i

17、s 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 Merchant category codes Merchant category codes shall be allo

18、cated 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 different from other code values and that is separate and distin

19、ct 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 the event of any addition, change or deletion of a merchant

20、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/TC 68/SC 6 shall determine its own method of distributing th

21、e updates to its members. Annex A shall be kept up to date by the MA and shall be issued as required by users. ANS X9.106-2003 Identical to ISO 18245:2003(E) 4 ASC X9, Inc. 2003 All rights reserved4 Application for code value additions, changes and deletions 4.1 Application procedure An applicant sh

22、all 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 category code value may be app

23、roved 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 industries currently represent

24、ed 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 a new code value is fou

25、nd; 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 conditions exist: a) a pr

26、oposed 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 is truthful and comple

27、te. 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 established an RMMG, whic

28、h 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; ANS X9.106-2003 Identical to ISO 18245:2003(E) ASC X9, Inc. 2003 All rights reserved 5b) the convenor; and c) the

29、secretary. In addition, 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) t

30、o act on all applications 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

31、 activities at 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

32、, or a vote that 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

33、 is for a request 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 referr

34、ed to a meeting 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:

35、 ASC X9, Inc., ISO 18245 Maintenance Agency, 1120 Connecticut Avenue, NW, Washington, DC 20036. ANS X9.106-2003 Identical to ISO 18245:2003(E) 6 ASC X9, Inc. 2003 All rights reserved6.2 Resignation If the MA finds it necessary to resign, six months notice shall be given to the ISO Central Secretaria

36、t and the Secretariat of ISO/TC 68/SC 6. The Secretariat of ISO/TC 68/SC 6 shall notify the RMMG and initiate a search 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 i

37、s found. 6.3 Responsibilities 6.3.1 General The responsibilities 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 t

38、o code values and the deletion of code values; b) obtain 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) sub

39、mit to the RMMG any requests for changes to ISO 18245; 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 notificat

40、ion to the applicant shall include the reason for rejection, 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 dat

41、e if at least three weeks notice is given, or shortly 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 publicati

42、on and distribution of the code values listed in Annex 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. ANS X9.106-2003 Identical to ISO 18245:2003(E) ASC X9, Inc. 2003 All rights

43、reserved 77 Appeal process 7.1 Appeal bodies Upon rejection of a merchant category code application by the RMMG, the applicant is given 60 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

44、 68/SC 6, the applicant may appeal to the ISO Central Secretariat. 7.2 Information to be provided The applicant shall provide the following information to the relevant appellate body in support of an appeal: a) a statement describing the reason(s) for the dispute of the rejection, and the reason(s)

45、that the applicant believes the rejected application meets the criteria for acceptance; and 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 amendmen

46、ts and all new, changed and deleted code values assigned during the previous year shall be 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 des

47、cribed in Clause 3 of this document. All approved amendments and changes to the tables of codes of ISO 18245 shall be incorporated at each revision of ISO 18245 during the document review period, which occurs every five years. ANS X9.106-2003 Identical to ISO 18245:2003(E) 8 ASC X9, Inc. 2003 All ri

48、ghts 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 fo

49、r ISO use 0500-0599 Reserved for national use 0000-0699 Reserved 0600-0699 Reserved for private use 0700-0741 Reserved for ISO use 0742 Veterinary services 0743 Wine producers 0744 Champagne producers 0745-0762 Reserved for ISO use 0763 Agricultural co-operatives 0764-0779 Reserved for ISO use 0780 Landscaping and horticultural services 0781-0819 Reserved for ISO use 0820-0879 Reserved for national use 0700-0999 Agricultural services 0880-0999 Reserved for private use 1000-1499 Reserved 1000-1499 Reserved for ISO use 1500-1519 Reserved for ISO use 1