Ubungozi bank Umsebenzi kunye uyinikezelwayo

Iintlawulo licwecwe kwiminyaka yakutshanje angena kakhulu ubomi baseRashiya. Ithekhnoloji ivumela abasebenzisi abangenazo imali engamaphepha, ukuba uthenge. Esiza kuxubusha ngayo ngokweenkcukacha inkqubo yokufumana nabo bonke abathathi-nxaxheba kule nkqubo.

intliziyo

ikhadi iplastiki - Esi sixhobo intlawulo olunika unikezelo kwi ngemali. Xa ufunda data evela kuyo, ungafumana ulwazi malunga umnini kunye imali eseleyo. Ukuze ezi njongo, apha kwakunye neevenkile usebenzisa terminal. Faka iPIN, umnini ikhadi unika imvume sitsale imali ekuhlawuleni impahla. Ngaphezu koko, iqela lemibutho inxaxheba kwinkqubo yentlawulo.

nxaxheba

Ekwenzeni iintlawulo ababandakanyekayo ebhankini ukukhupha kwaye ibhanki uzuza. Makhe sihlolisise ngokweenkcukacha umsebenzi ngamnye kubo. Ibhanki ukufumana - kwibhanki wenza ikhadi isicwangciso amanqaku ukwamkeleka. Ukulungiselela le njongo, kukho iziko lamatyala isebenzisa iiclamps yaye icebisa umsimelelo phezu umbutho kweentlawulo ulwamkelo kunye nokupheliswa kunye Iqwalasela i software. Kodwa oku zonke iinkalo ebhankini uzuza. A iziko credit ibamba:

• yogunyaziso kunye ngetshekhi amakhadi ukuba ahlawule;
• ukuzilungisa izicelo engenayo;
• idlulisela imali kumaKanan;
• Iinkqubo amaxwebhu ezingqina yokuziphatha intengiselwano;
• isasaze uluhlu akuvumelekanga (ezibiweyo, eziphelelwe lixesha) cards.

Ukukhutshwa ikhadi Imiba kunye neenkonzo yentlawulo yeBhanki uvula i-akhawunti ye kwemali. Kwiziko elinye isenokuba uyinikezelwayo kunye sobunyani ngexesha elifanayo. Kulo mzekelo, ikhadi POS-terminal kwaye umthengi uya kukhutshwa yi-arhente enye. Kodwa ukuba ikhadi client "Tinkoff Bank" yaye itsala imali nge ATM Savings Bank, iziko lamatyala lokuqala umnikeli, ngelixa yesibini - le uyinikezelwayo. indawo inkonzo yinkampani ekuthiwa urhwebo-nkonzo (TSP).

iziko processing

Ukuze uqinisekise wekhadi kufuneka ufake ikhowudi PIN. Ngokukhawuleza emva koko, sizuze bank ikhowudi baleka inkqubo yokuqinisekisa, ukusebenza ebhankini, intsalela akhawunti. Ukuze ufumane ezi idatha kwiziko processing ithumela isicelo. Kwimeko nayiphi na ibhanki uyinikezelwayo ezinxaxhileyo intengiselwano ayivumelekanga.

iziko Processing - sisiseko sokwakha imicimbi elektroniki. Le nkqubo translation automated nokuhlawulwa ikhadi yebhanki. umsebenzi wayo ophambili - ukubonelela iivenkile ithuba lokuba athathe intlawulo non-cash. iziko Iqhubekekisa kwakhona liqhuba zokuhlala phakathi sobunyani kunye uyinikezelwayo, kwindawo yentengiso kwaye umnini khadi. ERashiya, uququzelelo kwentlawulo zamakhadi MVUME LOKUNDWENDWELA LEXESHANA kunye MasterCard iye iziko PayOnline.

inkqubo yentlawulo

Ubuhle bokuba neentlawulo non-cash kukuba ingasetyenziswa naphi na ehlabathini. Kodwa ukufumana ibhanki ulinganiselwe. Enye arhente Nngokobuchwepheshe akakwazi zilungiselele ukuba izibalo kunye nangokuphuma okanye efakiweyo ATM naphi na. umsebenzi wonxibelelwano owenza inkqubo yentlawulo. Phezu isicelo ukusuka kwiziko processing, iqwalasela indlela yokuhlawula amatyala kwekhadi. Ukuba kulinganisela ezaneleyo ukulungiselela ukusebenza kunye neziko mali ulilungu le nkqubo, ithumela isicelo ukuba enze i intengiselwano elektroniki.

inkampani lokuhambisa

Enye into enokuthi ibe khona kwikhonkco. Billing inkampani, njengoko inkqubo yentlawulo a ithatha umsebenzi transfer intengiselwano ukuya uyinikezelwayo, kodwa ngaphezu uphumeza esweni kunye nolawulo lomngcipheko, acwangcise ukufikelela manani eneenkcukacha xa kuthengiselwana, inika iintlawulo akhawunti abanini.

Bank of Internet zokuzuza

Umgaqo iintlawulo ngekhompyutha efanayo inkqubo yokuthenga iimpahla evenkileni. Eyahluke kuphela indlela ukugqithisa ulwazi. Kwimeko yokuqala, i-terminal kufundo lwe data kwaye umxhasi wesibini kuphela kubabeka ngendlela ekhethekileyo kwisiza. imisebenzi zebhanki zokuzuza yenziwa yi iziko lamatyala, ukukhonza nokucwangciswa kwiintengiselwano. Bonke abathathi-nxaxheba kwinkqubo yentlawulo non-mali kufuneka abe amakhonkco onxibelelwano ethembekileyo kunye nezixhobo olunika ugqithiselo lweengcombolo fast kunye nenkqubo yosebenzo.

Commission

Ukufumana - ayilo nkonzo simahla. Ngexesha lenkqubo yokwenza iintlawulo lidibana nxaxheba eziliqela yingisela. Inkqubo yentlawulo inika amanqaku uqhagamshelwano kwamaziko yentengiso kunye ngetyala ehlabathini lonke, ngokuba wamkela ikhomishini phakathi 1-1.1% yentlawulo. Inani elifanayo ithunyelwa umnikeli ukugqithiswa kwemali. Kwaye, kakade, iKomishoni yokufumana yebhanki. Market avareji ye 2-4%. Ngomhla umthamo we ikhomishini nayo iya kuchaphazela ububanzi kwemisebenzi ye-TSP, ukujika imali kwi-akhawunti yoMthengi, uhlobo lonxibelelwano, kunye nohlobo yesixhobo.

scheme

Iskim eqhelekileyo imisebenzi, xa ingongoma elidityaniswe ngqo ekvaeru, umzekelo, nge isitishi okanye ifomu eyodwa kwi website. Kulo mzekelo, ibhanki kufuneka phambili izixhobo zecomputer ze kokufumana intlawulo, nokujonga ubume amajelo onxibelelwano. Kwisitora kufuneka unike lungamkeleki, amalungiselelo ukhuselo umncedisi, iliso imisebenzi ukuchonga nabakhohlisi ezinokwenzeka. Ukuba lwemigangatho yabasemagunyeni online store sinzima, ukuphunyezwa kwale nkqubo kuya kufuneka ukujongana badwelisi benkqubo. Kwaye le yi iindleko ezongezelelweyo.

yokufumana iingozi yebhanki in ungonakala TSP

Kwimeko imilinganiselo kwentlangano enikezela ngeenkonzo zalo kubantu kunye namaziko ngetyala kukho bamakhadi umngcipheko imali. Ayizizo zonke imisebenzi ahlawulwa ngexesha lokuthenga. Umzekelo, abakhenkethi, behamba uhambo, ukubhukisha kunye moya amatikiti kwangaphambili. Kwimeko imilinganiselo kweli ziko abathengi umsebenzisi kulibiza ukubuyiswa kwemali ehlawulelwe kodwa iinkonzo ezifunyenweyo.

Umzekelo iphawulekayo yale meko ngokuwa "Transaero". Iziko zemali yamkela intlawulo amakhadi yeehambo kwalibaziseka kwaye zeehambo ngomoya, kodwa zawa. Ngokutsho nemithetho yeenkqubo ngamazwe kwiimeko ezinjalo ingxaki kwemali sixhomekeke ebhankini uzuza. Ngokutsho data lokuqala, ukulahleka amaqela izivumelwano kusenokuba amakhulu ezigidi engange. Akukhathaliseki yenza ngayo iintlawulo; ngqo kwindawo yenkonzo, phezu Internet okanye kokuhanjiswa. Kuzo zonke iimeko, imbopheleleko yezemali uyinikezelwayo.

imbuyekezo-mali

Ukuba kukho impazamo yokufumana umncedisi ebhankini, le mali ibuyiselwe ku kumthengi. Inkqubo ibandakanya unyango lwe umxhamli ebhankini, nto leyo ulungiselela kwaye sifaka isicelo uyinikezelwayo. A iziko lamatyala unyanzelekile ukuba ukubuyisela imali. Enye into kukuba kwimeko mzekelo ungentla kunye imilinganiselo yenkampani liya kuba nako ukuze kubuyekezelwe ilahleko ibhanki kuphela xa inkqubo ukutshona mbutho.

izidingo inomthetho

Ngenxa imeko "Transaero" beebhanki abanenjongo ukuhlaziya imigaqo iinkonzo TPS. Ngenxa yoko, kucetywa ukuba ukwazisa iziqinisekiso ezongezelelweyo ngokwendlela isibambiso okanye esisibambiso, engqina yokuhlawula amatyala ye client. Ezinye iinketho waziqwalasela ukhetho elithi kumanani obhaliso e-SCC anyuswe kwiiveki ezimbini. Lo mkhuba kakade 2000. Kodwa ke kule meko zigqubayo, amanyathelo ezinjalo kuya kukhokelela kunokuba ekulahlekeni zabathengi.

iindaba

Bank "Russia" liqulunqe yokufumana ezabo iintlawulo zawo interenet ukusebenzisa igesi yendalo. Izigulana ze inkampani "Gazprom mezhregiongaz" ungahlawula irhasi yendalo ngokusebenzisa i "Russia" site ebhankini. Ukuze wenze oku, yiya kwiphepha le kwiziko lamatyala kwindawo kweentlawulo intanethi kunye nenombolo akhawunti ukuba ukutshintshela iimali.

Bank "Saint-Petersburg" waqala ukuthatha "Uxolo" amakhadi kwenkqubo yentlawulo yelizwe kwinethiwekhi zalo-ATM, amasebe kunye ezinjengeetheminali.

Bank "Standard Russian" ukususela ngo-Apreli-6, 2016 waqalisa ukukhonza amakhadi chip sangokuhlwa Club International kwenkqubo ngamazwe (DCI). Cimbi olwenziwe umgangatho EMV ngamazwe. Oku inika kwinqanaba eliphezulu imisebenzi zokhuseleko. Ilungelo ukuba akhuphe amakhadi sangokuhlwa Club ebisebhankini uyinikezelwayo kuphela wabonakala ngo-2011. Ukususela ngoko, iziko lamatyala kuphela kweli lizwe leyo inoxanduva lokukhuthaza lophawu imo.