台灣的信用卡市場自1974年發行第一張信用卡、1982年全面開放、1984年國內發卡機構發行「聯合簽帳卡」，而從2000年以來信用卡以驚人的速度不斷成長，迄今將近40年的歷史，信用卡已成為多數人日常生活的一部分。
發卡機構在經歷發卡量高速成長期及卡債風暴後，信用卡的整體市場已邁入相對穩定的階段，故過去由聯合信用卡做為發卡行的收單轉發中心現為各發卡收單銀行亦可自行建置，銀行整體的收單系統作業已趨成熟，多數的賣場及商家陸續已經完成刷卡設備的建置工作，亦能夠接受符合國際組織認可發行的晶片信用卡交易，然時今同時具備發卡及收單業務之金融單位，因過去銀行信用卡收單業務委由聯合信用卡代為服務，部份金融單位在該信用卡業務上之異地備援系統建置仍缺乏完整性，因此當銀行資訊中心因天災或人禍形成毀滅性的破壞，將造成特約商店全面性的信用卡金流交易中斷，所造成的損失不言可喻。
本研究探討在災變發生，造成特約商店與銀行信用卡金流交易中斷的情況下，如何透過建置自行異地備援設施將損失降至最低，進而將收單金流停止服務的時間縮至最短，整個信用卡系統達到最完善的備援，建置成本最小效率最高，最終讓銀行高層了解收單系統異地備援在營運中心的重要性。
The market of credit card issuance in Taiwan has rooted since 1970s. After numer-ous trials and development in decades, the booming of credit card system does help create huge business opportunities for banking and finance industries.
In particular, the credit card-based services play a much more important role for re-tailing stores than that in the past, owing to its rapid growth both in number of credit card transactions and in the variety of the derived applications and supports.
Such situation makes more and more business transactions and the corresponding service quality rely heavily on the stableness of the credit card acquiring system. As a consequence, how to minimize the network anomaly becomes a vital issue.
To respond to this challenge mentioned above, this study reviews the current prac-tices and designs of the acquiring system in Taiwan, putting it emphasis on designing a better architecture for backup solutions, with its target on large specialty and stores. We hope our proposed outcome can help strengthen the weakness of current practice.
