Payment system "PRO100": kev xyuas. Daim ntawv qhia "PRO 100" Sberbank

Txawm tias muaj tseeb hais tias muaj ntau skeptics tau sib cav qhov impossibility ntawm sai sai tsim lawv Lavxias teb sab kev them nyiaj system, nws khwv tau cia li 3 xyoos tom qab pib ntawm lub project. Peb tes num twb tiav nyob rau hauv lub shortest tau lub sij hawm ua tsaug rau lub dag zog ntawm txhiab tus neeg muab kev koom tes nyob rau hauv nws. Thiab tam sim no lub Lavxias teb sab Federation yuav tsis nyob ntawm seb lub tshuab, "Visa" thiab "MasterCard". Payment system "PRO100" twb tso tawm ntau tshaj ib lab phaib. Ntxiv mus, uas twb muaj lawm Savings Bank cards muaj peev xwm tseem ua hauj lwm nyob rau hauv lub system.

Yog vim li cas "PRO100" system?

Lub dependence ntawm Lavxias teb sab ntug dej rau kev them nyiaj tshuab Visa thiab MasterCard twb muab tsub los ntawm lub Central Bank li thaum ntxov raws li xyoo 2013, thaum lub teeb meem nrog lawv yog tsis muaj. Domestic economists tau qhia kev txhawj xeeb uas cov kev tswj ntawm cov ntawv, uas lub teb chaws twb tau ntau tshaj 90% ntawm tag nrho cov, yog nyob rau hauv them nyiaj ntawm txawv teb chaws nyiaj txiag hauv tsev. Txij thaum ntawd los, cov ua hauj lwm rau lub teb chaws them nqi system (NPS) tau them ntau npaum li cas xim tshaj ua ntej. Txawm tias PS UEC (kev them nyiaj system "Universal Hauv Card") "PRO100" tau sau npe raws li ib tug Lavxias teb sab neeg teb xov tooj rov qab rau hauv 2012. Tam sim no, cov card uas khiav lag luam rau ntawm M / nti (yooj yim tshaj nrog rau cov feem ntau txais tej kev cai "MasterCard" nyob rau hauv finalizing ntsuam xyuas nyiaj tsev ntawm nws software) technology, koj yuav tau them nyob rau hauv feem ntau lub khw muag khoom outlets nyob rau hauv Russia thiab domestic lub tsev txhab nyiaj.

"Cia li" thiab NPCs

Nws twb ntseeg tau tias cov nyiaj them system "PRO100" yuav nws thiaj li tuaj rau lub teb chaws them nqi system. Txawm li cas los, nyob rau hauv lub Plaub Hlis 2014 Central Bank tau raug ceeb toom ntawm no impossibility. Yog li ntawd, nyob deb, tsis muaj Lavxias teb sab kev them nyiaj system, "PRO100", tsis pub muaj kev ntau domestic PS tej zaum yuav tsis yog ib tug lub teb chaws ntawm ib tug yooj yim haum vim li cas. Tag nrho cov ntawm lawv siv los khiav qhov kev pab cuam, daim ntawv tso cai rau cov uas belongs rau MasterCard. Thiab txawm hais tias qhov teeb meem ntawm nti card yog ua nyob rau hauv Russia, ua ib daim ntawv thov rau lawv teb chaws. Qhov no twb ua rau lub yooj yim ntawm combining cov laus nrog rau cov qauv tshiab. Tseeb, qhov kev hloov los ntawm Visa thiab MasterCard rau "PRO100" mus haum yooj yim, tab sis yuav ua rau nws los ntawm lub NPC twb tsis tau tshwm sim.

Card nta "PRO100"

Cov tib neeg ua tau zoo nyob rau hauv lub xub ntiag ntawm uas yog ib daim ntawv qhia "PRO100" (Savings Bank), xws li:

• Rho nyiaj nyob rau hauv ntau tshaj li 100,000 ATMs nyob ib ncig ntawm Russia.
• Replenishing bank account thiab kev them nyiaj ntawm ntau yam kev pab (xws li kiag thiab lub xeev, xws li muab ib tug passport los yog tau txais daim ntawv pov thawj) rau kwv yees li 20 txhiab terminals.
• Instant kev them nyiaj rau cov khoom thiab cov kev pab cuam nyob rau hauv lub feem ntau nrov Lavxias teb sab network ntawm khw muag khoom noj, xws li MediaMarkt, "Euroset", "Lub Messenger" thiab "megaphone". "PRO100" raws li ib daim ntawv qhia (Sberbank) ua rau nws tau los them rau lub purchase nyob rau hauv ntau tshaj li 500 txhiab ntawm cov koom haum thoob Russia.
• Tau nyob rau hauv nws cov nyiaj hli thiab cov kev pab los yog nyiaj.
• Muab kho dua koj daim nqi xov tooj thiab internet pab.
• Cashless thoob lub ntiaj them nyiaj nqi rau pej xeem thauj.
• Nyiaj hloov lwm lub tsev mus rau lwm cov cards (nyob rau hauv no system los yog lwm yam).
• Control mus kawm lub tsev kawm ntawv tus me nyuam thiab nws kawm tau ntawv zoo.

Payment cov kev pab cuam siv cov kev them nqi system yuav nqa tawm ntawm lub Internet (piv txwv li, lub Savings Bank ntawm qhov chaw uas muab cov ntau ntau yam ntawm cov nta, xws li "Avtoplatozh" thiab "Sberbank Online). Nyob rau hauv tas li ntawd, ib daim ntawv qhia los ntawm tus tswv tej lus thov, yuav txawm peem rau nrog ib tug hluav taws xob kos npe uas nthuav rau hauv daim ntawv yuav tsum tau ua rau nws los ntawm kev txiav txim. thiab tam sim no cov nyob hauv internet khw, nyob rau hauv domestic los yog txawv teb chaws, lub kaw lus yuav tsis pub rau koj nqa tawm cov kev them nqi. Ntxiv mus, nws yog tsis yooj yim sua rau pab nws thiab them rau cov kev yuav khoom los yog kev pab txawv teb chaws. kuj, e yuav ua hauj lwm nrog card terminals thiab ATMs rau cov neeg nyiaj txiag hauv tsev uas tsis txuas nrog rau lub "PRO100" system.

hom phaib

Lub "PRO100" system (Savings Bank), muaj ob peb hom kev them nqi phaib: Debit (nyob), nyiaj hli (ib tug ntawm cov ntau ntau yam uas tej zaum yuav neeg) credit thiab nyiaj laus (social). Tag nrho cov ntawm lawv yog tau txais kev pab los ntawm lub Savings Bank ntawm Lavxias teb sab Federation thiab ob peb lwm yam Lavxias teb sab banking lug. Nyob rau hauv thiaj li yuav coj cov card, cov bank yuav tsum tau ntawm cov neeg koom haum koom tes nrog rau hauv lub "PRO100" system.

Credit card "PRO100" tsis muab los ntawm tag nrho cov tsev nyiaj - koom ntawm lub cev, thiaj li yuav lav tsis tau lawv npaj yog tsim nyog rau qhov chaw nyob mus rau lub Savings Bank los yog hais tau thiab cov nqe lus ntawm qhov teeb meem ntawm lwm lub tsev txhab nyiaj rau cov websites ntawm cov koom haum.

Yuav ua li cas kom tau daim card?

Yog xav tau ib tug qauv universal card yuav tsum:

• hu rau tus Savings Bank;
• los qhia tag nrho cov ntaub ntawv tsim nyog (xws li passport, daim ntawv pov thawj ntawm kev tuav pov hwm thiab SNILS OMC txoj cai);
• sau ib daim ntawv thov rau ib daim ntawv thiab muab tso rau ib tug tus kheej kos npe;
• tau txais ib daim ntawv nyob rau hauv tib lub hnub.

"PRO100" Card (Savings Bank) tej zaum yuav muab thiab lwm yam kev koom tes nrog lub tsev txhab nyiaj, nyob rau hauv cov nqe lus ntawm qhov teeb meem uas tej zaum yuav sib txawv. Koj tsis tas yuav them rau nws, thiab lub validity lub sij hawm yog 5 xyoo.

Ntug dej hauv cov system

Rau hnub tim, cov nyiaj them system "PRO100" Sberbank muaj xws li (dua li lub ntsiab bank nyob rau hauv lub teb chaws), 19 ntau koom. Thiab vim lub fact tias lawv muaj ntau tshaj li 2/3 ntawm tag nrho cov nyob rau hauv ib ncig ntawm lub Lavxias teb sab Federation ATM siv nws yog heev yooj yim system.

Lub system muab kev koom tes: Bank ntawm Moscow, AB "Russia", "Center-ua lag luam", Moscow Industrial Bank, Kev tsav tsheb kiag Bank Khakassia, Surgutneftegazbank, JSCB "Almazergienbank" AVB Bank, Khanty-Mansiysk, "Northern Credit" thiab ob peb lwm leej lwm tus. Tag nrho cov ntawm lawv tsis them ib tug nqi rau tau txais nyiaj los ntawm lawv cov tub nyiaj sab nrau. Thaum koj rho nyiaj ntawm daim card "PRO100" nrog rau cov sij hawm thaum davhlau ya nyob twg tsis muaj kev mus rau lub system, nws yuav tsum noj raws li ib tug commission nqi, txiav txim los ntawm lub koom haum uas muab cov card.

"PRO100" nyob rau hauv Crimea

Tsis ntev los no, cov nyiaj them system "PRO100" ua hauj lwm nyob rau hauv Crimea thiab nyob rau hauv Sevastopol. Qhov teeb meem ntawm peb tes num nyob rau hauv lub cheeb tsam pib nyob rau hauv Tej zaum 2014. Thiab los ntawm 2015, tag nrho cov xov tooj ntawm cov phaib tau zoo tshaj ib nrab ntawm ib lab. Lub system yog kom deb li deb lub xwb, thiab tsuas yog kev xaiv rau cov ceg av qab teb, raws li ib tug tshwm sim ntawm lub US MasterCard thiab Visa rau txim tsis ua hauj lwm ntawm no. Thim nyiaj los ntawm "PRO100" card nyob rau hauv lub Crimea yuav tau siv ntau tshaj 350 ATMs thiab 240 bank ceg thiab reprogrammed rau koj khiav lag luam ib tug system ntawm terminals, tus xov tooj uas ntau tshaj 1500.

Xyuas txog cov system "PRO100"

Thaum nkag them nqi system "PRO100", nyob rau hauv ib feem ntawm lub Lavxias teb sab pejxeem muaj lus nug txog tau siv nws lub teb chaws. Nws yog nthuav rau cov neeg siv thiab lwm yam teeb meem txuam nrog rau cov ntawv.

Tam sim no, tsuas txiaj uas yog siv los ntawm lub SS (thiab uas, raws li, nws yog ua tau rau kom cov nyiaj nyob rau hauv lub account "PRO100"), yog lub ruble. Qhov no txhais tau tias lawv yuav tsis muaj kev them txawv teb chaws, los yog kev tej txawv teb chaws pauv lw. Txawm li cas los, kws txawj tsis xav txog qhov no feature maps ib tug loj disadvantage. Raws li lawv, yog xav, tej Lavxias teb sab pej xeem mus txawv tebchaws txawv teb chaws, yuav rho koj cov nyiaj los ntawm lub account thiab pab txhiv lawv dim ntawm no nyob rau ib lub paaj nqi. Whereas, mus rau tawm hauv lub teb chaws yuav tau hloov rubles mus rau lwm cov placebo nrog tsawg txaus nyiam muaj los ntawm txawv teb chaws ntug dej thiab pauv chaw ua hauj lwm.

Tseem, qhov yuav tsum tau siv lwm yam currencies thiab tham qhia txog qhov "PRO100" neeg xyuas. Raws li lawv, cov system yog tsis tau tshaj nrog lub ntiaj teb no txoj kev loj (thiab tsis tau tsuas yog Lavxias teb sab) ntsuam xyuas nyiaj tsev, tsis tsim nyog ntawm cov xim.

Yog li ntawd, nyob deb, rau qhov kev siv ntawm cov kev npaj uas yuav los siav cov neeg siv yuav tej nuj nqis cov kev muaj peev xwm tsis infrastructure, tsis tshwj xeeb muaj peev xwm ntawm lub cajmeem thiab debugging khoom "PRO100". Thiab yuav ua kom paub ib tug system ua tug thawj nyob rau hauv ib ncig ntawm Russia, muab software, thiab cov neeg uas ua chaw. Nws tsis yog ib lub xyoo, tej zaum nws yuav tsim nyog, thiab tom qab tsis tas domestic technology yuav tsum tau tshaj lwm lub teb chaws. Tej zaum qhov no yog vim li cas ib txhia neeg yuav coj los xyuas ntawm lwm cov neeg muas zaub los yog lawv tau ua, yuav siv cov systems "MasterCard" thiab "Visa" tias yog li ntawd definitively thiab tsis tau ncaim tawm ntawm Lavxias teb sab Federation.