中文：

刷预授权是指持卡人或消费者在商场、酒店、航空等特定消费场所进行预订或支付时，使用信用卡或借记卡进行预先授权，以确认预订或支付的行为。这种预授权可以确保交易的安全性和准确性，避免因欺诈行为而导致的损失。

在刷预授权的过程中，持卡人或消费者需要提供信用卡或借记卡的相关信息，包括卡号、有效期、安全码等。商户会将这些信息与预授权金额进行匹配，如果匹配成功，则表示预授权成功，交易可以进行。如果匹配失败，则表示预授权失败，商户会拒绝交易或采取其他安全措施。

刷预授权的应用场景非常广泛，例如在酒店预订房间、在商场购买商品、在航空购买机票等场景中都可以使用。通过刷预授权，持卡人或消费者可以避免因信息泄露而被盗刷的风险，同时也可以减少因欺诈行为而导致的经济损失。

英文：

Pre-authorization refers to the cardholder or consumer using a credit card or debit card to pre-authorize a payment or reservation at a specific consumption venue such as a mall, hotel, or airline to confirm the transaction. This pre-authorization ensures the security and accuracy of the transaction, avoiding losses caused by fraud.

During the process of pre-authorization, the cardholder or consumer needs to provide information about the credit card or debit card, including the card number, expiration date, and security code. The merchant matches this information with the pre-authorized amount, and if the match is successful, the pre-authorization is successful and the transaction can proceed. If the match fails, the pre-authorization fails, and the merchant will refuse the transaction or take other security measures.

Pre-authorization is widely used in many scenarios such as booking a hotel room, purchasing goods in a mall, or purchasing a plane ticket. By pre-authorizing the payment, the cardholder or consumer can avoid the risk of information leakage and being scammed, while also reducing financial losses caused by fraud.