终端风险管理使大额交易联机授权，并确保芯片交易能够周期性地进行联机以防止在脱机环境中也许无法察觉的风险。
虽然发卡行被强制要求在应用交互特征（AIP）中将终端风险管理位设置成1以触发终端风险管理，但终端应该执行终端风险管理而不必考虑卡片的设置情况。
Terminal risk management is that portion of risk management performed by the terminal to protect the acquirer, issuer, and system from fraud.
It provides positive issuer authorisation for high-value transations and ensures that transactions initiated from ICCs go online periodically to protect against threats that might be undetectable in ann offline environment.
The Result of terminal risk management is the setting of appropriate bits in the TVR.
终端风险管理包括：
- 最低限额检查（Floor Limits）
- 随机交易选择（Random Transaction Selection）
- 终端频度检查（Velocity Checking）
- 新卡检查