1. The merchant writes a note in his liquidation document, which means that he will ask XX Bank for ZZ. Zzzyyyy at night. In fact, the merchant does not actually upload the settlement documents to UnionPay every day, but will discuss an account period (one week or one month) for reconciliation. This has nothing to do with the cardholder's bill, so it will not be introduced.

2. At the same time, if the authorized transfer is made through a card organization (such as UnionPay), UnionPay also records a sum of money to XX Bank-YYYY card transaction ZZ in its liquidation documents. ZZ yuan

Well, in the evening, UnionPay summarizes all the transaction records given to XX Bank in one day, merges them into a settlement document, and sends them to XX Bank. After receiving the transaction record, XX Bank started batch operation at night. The specific process is not shown. The core job is posting and bookkeeping (and calculating interest at the same time). After this step is completed, the transaction is really recorded in the customer's monthly bill. If the subject is asking this "real-time bill", it means that ICBC and China Merchants Bank have done the best. Generally, after the batch is completed, an electronic bill containing transaction records will be sent to your mailbox in a timely manner, and other banks are also following up.

The above process time is applicable to UnionPay transfer and bank direct connection. For overseas card organizations such as VISA/MasterCard/AMEX, due to well-known reasons, settlement documents are generally not sent to XX Bank so soon. It is ok to inquire about the real-time authorized transaction information, but the unbilled transaction may be delayed. The cardholder actively inquires about all the transactions that have been accounted for but not accounted for in the "unrecorded transactions" of online banking.