Kartenherausgeberinstitut

Kartenherausgeberinstitut is a term that translates to "Map Issuing Institute" or "Card Issuer Institute" in English. This type of organization is typically responsible for the creation, issuance, and management of various types of cards, most commonly payment cards like credit and debit cards. However, the term can also extend to other forms of identification or access cards.

The primary function of a Kartenherausgeberinstitut involves establishing the rules and regulations for card usage, partnering with financial institutions or other entities to distribute the cards, and overseeing the security protocols associated with card transactions. They work to ensure the integrity of the payment system or identification process they govern. This can include setting interchange fees, managing fraud detection systems, and handling disputes.

In the context of payment cards, a Kartenherausgeberinstitut often collaborates with banks, which are the entities that directly issue the physical or virtual cards to consumers. The institute sets the brand standards and technical specifications that all participating banks must adhere to. Examples of well-known organizations that function as a Kartenherausgeberinstitut in the payment card industry include Visa and Mastercard. These entities do not typically issue cards directly to individuals but rather provide the network and framework for their member banks to do so.