Visa Inc.; 湾区高科技公司; 21/100

Visa Inc.; 湾区高科技公司; 21/100


Visa国际组织,俗称Visa,(NYSE:V),是一个拥有21,000家金融机构会员所组成的联盟组织,总部位于美国加利福尼亚州旧金山。

2015年11月3日,Visa斥资约212亿欧元(233亿美元)收购Visa Europe。

 

Visa卡

Visa卡是一个信用卡品牌,Visa卡于1976年开始发行,它的前身是由美国银行所发行的BankAmericard。

在国际上,BankAmericard在称为Visa之前也有其他一些名称,BankAmericard的“蓝-白-金”图形也在这些卡上使用。在英国,它被称作巴克莱卡(BarclayCard),由巴克莱银行(Barclays Bank)发行。在加拿大,一个包括道明加拿大信托银行,加拿大帝国商业银行,加拿大皇家银行和加拿大丰业银行在内的银行联盟发行名为Chargex的银行卡。在法国,它被称为蓝卡(Carte Bleue)。

 

发行者

Visa国际组织本身并不发行Visa卡,而是由Visa国际组织的会员银行发行。在台湾、香港、澳门,几乎所有的商业银行都发行Visa卡。马来西亚所有的商业银行(除了马来西亚中国银行)甚至是国民储蓄银行都在发行Visa卡。如今摩根大通银行是全球最大的Visa卡发行银行。

 

Visa Inc. (/ˈviːzə/ or /ˈviːsə/) (also known as Visa, stylized as VISA) is an American multinational financial services corporation headquartered in Foster City, California, United States.[3] It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards and debit cards.[4] Visa does not issue cards, extend credit or set rates and fees for consumers; rather, Visa provides financial institutions with Visa-branded payment products that they then use to offer credit, debit, prepaid and cash-access programs to their customers. In 2015, the Nilson Report, a publication that tracks the credit card industry, found that Visa’s global network (known as VisaNet) processed 100 billion transactions with a total volume of US$6.8 trillion.

Visa has operations across all continents worldwide with the exception of Antarctica. Nearly all Visa transactions worldwide are processed through VisaNet at one of two secure facilities: Operations Center East, located somewhere near Ashburn, Virginia; and Operations Center Central, located somewhere near Highlands Ranch, Colorado. Both data centers are heavily secured against natural disasters, crime, and terrorism; can operate independently of each other and from external utilities if necessary; and can handle up to 30,000 simultaneous transactions and up to 100 billion computations every second. Every transaction is checked past 500 variables including 100 fraud-detection parameters—such as the location and spending habits of the customer and the merchant’s location – before being accepted.

Visa is the world’s second largest card payment organization (debit and credit cards combined), after being surpassed by China UnionPay in 2015, based on annual value of card payments transacted and number of issued cards. Because UnionPay’s size is based primarily on the size of its domestic market, Visa is dominant in the rest of the world outside of China, with 50% market share of global card payments minus China