What is “Credit Card Authorization Form”?

After the new rule introduced by “Reserve Bank of India” for the online credit card transactions in India from 1st August, many companies are asking for a “Credit Card Authorization Form”. What is this? How this form is authorized? Is it authorized by bank or VISA / Mastercard?

First of all I am not very sure if the loan taken ANY fixed deposit is a secured loan.?

Secondly, I also want to know if, I take a loan against a fixed deposit and I am not able to repay it, at the maturity date, I shall have a liability towards bank.
As far as basic logic says, bank did not lend any money to me and what I have is a part of my deposit.Why should bank ask for more money from me then?

Any pointer links to Reserve bank of India with norms for these conditions shall be helpful.