Authorization Only Transaction

Authorization Only (Auth Only) is a special type of sale transaction. It authorizes an amount on a customers card but the item does not settle until a later time, sometime several days or weeks.
授權交易是一種特別的交易，他授權店家在一段時間內保留一筆金額在信用卡內，等到通常幾天或幾個星期後才真正的扣款或取消。

The purpose of an authorization only transaction is to reserve an amount against a card holder's available credit limit for a certain period of time.
此交易的目的是為了在消費者信用額度內保留一定的金額，已確保未來能夠支付此消費。

For example, a merchant may perform an authorize only transaction if an item ordered is out of stock. Then when the item is in stock, the merchant will then settle the transaction, essentially charge the card at that time.
例如，如果一個東西缺貨中，店家可以先產生一筆授權交易，等到貨物到了以後再扣款。

Another reason a merchant may do an authorization only transaction is when the exact amount to be charged to a card is not know. This is often used in the hotel industry. When a patron checks in to a hotel, their card is authorized for an amount greater than the length of their stay. However, the transaction is not settled until check out, where the hotel may include any incidentals you may want to charge to your room. At checkout the hotel enters the actual final amount and then settles the transaction and the card is charged.
另一個情況是，當你購買東西的時候還不知道應該花費多少時，店家會先保留一部份較高的金額在你信用卡中，等到你真正消費後才扣款。例如當你進入旅館時，在check in櫃臺，他會先扣一筆高於你應該要付的錢，這部份包含了一些你可能產生的消費額度，等到真正要離開時，如果沒有那一筆消費他就會退錢給你。

One caveat is that if an authorization only transaction is not settled within 24 hours, then the transaction can downgrade to a different rate category and the merchant may be surcharged a small fee. However, the benefits of using an authorization only transaction by a merchant usually outweigh any additional costs involved, since by doing the authorization the merchant is still guaranteed payment.
要注意的是：如果授權消費沒有在24小時內結算，該交易可能會要多產生一筆手續費。但是就算有手續費，他的好處就是能夠確保消費者有能力支付此項目，所以還是很常在生活上看到。

[心情] 說一下這邊的學習

最近跟朋友討論
為什麼老師都教基本的定義
就要大家去做更進階的問題
這在台灣一定會造成反應
但是在這邊卻好像是理所當然的

雖然有老師會被反應教的沒有組織
但是很多課程都幾乎沒有特定的課本
上課就是一堆課本的綜合
特別辛苦

討論後才發現
這可能也需要配套的選擇學生吧
因為這邊的學生都能夠自己從課本上學
所以老師的目的是把大家的眼界提升到最新的研究上面
基礎的部分只教定義
然後題目出得很困難
讓學生知道自己的不足後
就會把那一塊補起來了
老師都會把重心放在最新的研究
或是把大家提升到問題的更核心的部分


總覺得這樣老師真的很有風險
因為學生很有可能就會說老師教的不好
但是老實說
這邊的教育真的比台灣紮實很多
基本上修三門四門課已經是極限了
上課教了基本的東西後
作業可以要你寫程式來模擬
可以要你做更進一步的證明
可以給open ended question讓你自己去發覺問題
自己去提出質疑並且嘗試解答
這樣的能力對於教育本質來說更符合常規
卻是台灣教育所忽視的

stop asking problem before you thought it through~