Inkqubo yentlawulo "PRO100": ncomo. Imephu "PRO 100" Sberbank

Nangona yokuba abagxeki abaninzi baye babonisa nakwenzeka ngokukhawuleza ukudala inkqubo yabo intlawulo Russian, it zuza kwiminyaka nje-3 emva kokuqalisa projekthi. Le projekthi yagqitywa kwi kwiinzame amawaka abantu ababandakanyekayo kulo lifutshane kangangoko kunokwenzeka ixesha siyabulela. Kwaye ngoku Russian Federation akakwazi kuxhomekeka kwiinkqubo, "Visa" yaye "MasterCard". inkqubo yentlawulo "PRO100" sele likhuphe ngaphezu kwesigidi cards. Ngaphezu koko, amakhadi Savings Bank ekhoyo nako ukusebenza kule nkqubo.

Kutheni "PRO100 'kwinkqubo?

Ukuxhomekeka beebhanki Russian kwiinkqubo zentlawulo Visa kunye MasterCard yanikezelwa yi-Central Bank kwangethuba 2013, xa ingxaki nabo ayikho. zezoqoqosho basekhaya baye bavakalisa ukukhathazeka ngenxa yokuba ulawulo lwezi amakhadi, elo lizwe ibe ngaphezu kwama-90% yamanqaku ewonke, olawula amaziko ezemali amazwe. Ukususela ngoko, umsebenzi kwinkqubo yentlawulo yelizwe (NPS) abebesoloko ingqalelo kakhulu ngaphezu ngaphambili. Nangona (inkqubo yentlawulo "Universal Card leKhompyutha") PS UEC "PRO100" ubhaliswe njenge operator Russian emva ngo-2012. Okwangoku, le amakhadi asebenza kwi-M / Chip (ehambelana ngokulula nemigangatho "MasterCard" eyamkelekileyo ekuqukumbeleni amaziko zebhanki software) iteknoloji, unako ukuhlawula kuninzi zithengise ukutya eRashiya kunye kwiibhanki zasekhaya.

"Nje" kunye NPCs

Oku kwakukholelwa ukuba le nkqubo "PRO100" intlawulo ekugqibeleni kunika inkqubo yentlawulo yelizwe. Noko ke, ngo-Epreli 2014 kunye ne-Central Bank wazisiwe le nto ingenakwenzeka. Ukuza kuthi ga ngoku, akukho inkqubo Russian yentlawulo, "PRO100", okanye naliphi na PS basekhaya ngakumbi ukuze ibe wesizwe isizathu ibonakala ngcono. Bonke sebenzisa ukuba usebenzise inkqubo, ilayisenisi leyo bobabo MasterCard. Kwaye nangona umba ikhadi chip wenziwe eRashiya, wenza isicelo sokuba phesheya kwezilwandle. Oku kwenziwa ukuze kube lula yokudibanisa endala kunye nemigangatho emitsha. Eneneni, utshintsho ukusuka Visa and MasterCard ukuba 'PRO100 "wahamba ngendlela elula, kodwa ukuyenza kwi-NPC akukenzeki.

Card iimpawu "PRO100"

Le yokusebenza yabantu phambi apho yimephu "PRO100" (Savings Bank), iquka:

• notsalo Imali kwi-ATM ezingaphezu kwama-100,000 kulo lonke kummandla Russia.
• Agcwalise akhawunti yebhanki kunye nokuhlawula kwiinkonzo ezahlukeneyo (kubandakanywa zikamasipala kunye karhulumente, ezifana kunikezelo yokundwendwela okanye irisithi isiqinisekiso) ukuya nama-20 amawaka ezinjengeetheminali.
• intlawulo Instant yeempahla kunye neenkonzo kuthungelwano ithandwayo Russian yeevenkile, kuquka MediaMarkt, "Euroset", "The Messenger" yaye "megaphone". "PRO100" njenge imaphu (Sberbank) yenza kube lula ukuhlawula ukuba kuthengwe angaphezu kwama-500 amawaka imibutho zonke eRashiya.
• Ukufumana on umvuzo wakhe kunye izibonelelo okanye izibonelelo.
• Ukuhlaziya Ibhili yefoni yakho kumboneleli wenkonzo intanethi.
• imali yentlawulo ikheshi kwizithuthi zikawonke.
• transfer Imali kwezinye amakhadi (kule nkqubo okanye ezinye).
• Lawula ukuya umntwana wesikolo kunye mpumelelo yakhe ezifundweni.

Iinkonzo Intlawulo ngokusebenzisa inkqubo yentlawulo enokwenziwa nge-Intanethi (umzekelo, i-Savings Bank of isayithi sinika uluhlu ezona mpawu, kuquka "Avtoplatozh" yaye "Sberbank Online). Ukongezelela, imephu ngesicelo somnini, unako mayixhotyiswe i yogesi uvumela ukwandisa uluhlu izakwenziwa kuyo ngokusebenzisa amanyathelo. yaye ngoku isitora online, basekhaya okanye zangaphandle, inkqubo akayi kuvumela ukwenza intlawulo. Ngaphezu koko, akunakwenzeka ukuba amncede aze ahlawule ukuthenga okanye iinkonzo kwamanye amazwe. nabo, e iya kusebenza kunye zoku ikhadi kanye ATM ezo amaziko zemali wayamene inkqubo "PRO100".

iintlobo amakhadi

I 'PRO100 "system (Savings Bank), kukho iindidi ezininzi lwentlawulo amakhadi: debit (rated), umvuzo (omnye iintlobo esenokuba yequmrhu) amatyala kunye nomhlala (ezentlalo). Bonke bephela abakhonzwa Savings Bank of the Russian Federation kunye nezinye izakhiwo eziliqela kwiibhanki Russian. Ukuze uthabathe ikhadi, ibhanki kufuneka ibe phakathi kwemibutho abathatha inxaxheba kwinkqubo "PRO100".

amakhadi Credit "PRO100" engakhutshwanga zonke iibhanki - nxaxheba kwinkqubo, ngoko ukuqinisekisa ngamalungiselelo abo Kuyimfuneko ukuba ilungiswe kwi Savings Bank okanye ukucacisa amathuba kunye ngokwemiqathango wokukhutshwa kwezinye iiBhanki kwi-web sayithi le mibutho.

Indlela ukufumana ikhadi?

Ukuze ufumane ikhadi eqhelekileyo jikelele kufuneka ube:

• qhagamshelana Savings Bank;
• ukuba bammise phambi onke amaxwebhu ayimfuneko (kubandakanywa yokundwendwela, isiqinisekiso inshorensi kunye SNILS nkqubo OMC);
• ugcwalise isicelo ikhadi uze ufake utyikityo buqu;
• ukufumana ikhadi ngemini enye.

"PRO100" Card (Savings Bank) singakhutshwa kunye nezinye iibhanki ezithatha inxaxheba, ngokwemiqathango wokukhutshwa kwayo zinokwahluka. Akuyomfuneko ukuba uhlawule oko, yaye kwixesha yiminyaka-5.

Banks kwinkqubo

Ukuza kuthi ga ngoku, le nkqubo "PRO100" intlawulo Sberbank luquka (ngaphandle ibhanki iphambili kweli lizwe), 19 nxaxheba ngaphezulu. Kwaye ngenxa yokuba baphethe ngaphezu 2/3 yenani lilonke ibekwe kwi kummandla Russian Federation ATM ukuyisebenzisa ngayo yinkqubo kakhulu lula.

Inkqubo ebandakanyekayo: Bank of Moscow, AB "Russia", "Centre-Invest", Moscow Industrial Bank, Municipal Bank Khakassia, Surgutneftegazbank, JSCB "Almazergienbank" AVB Bank, Khanty-Mansiysk, "Credit Northern" kunye nabanye abambalwa. Bonke bephela musa ukuhlawulisa umrhumo ukufumana imali nge-ATM zabo. Xa emkayo imali ikhadi "PRO100" kunye terminal ebhankini ngaphandle abangena kwisistim, oko kuthathwa njenge intlawulo ikhomishini, emiselwe ngumbutho ekhuphe ikhadi.

"PRO100" eCrimea

Kutshanje, inkqubo yentlawulo "PRO100" ukusebenza eCrimea kunye Sevastopol. Ukukhutshwa kwe projekthi mmandla lwaqala ngoMeyi ka-2014. Kwaye ngowama-2015, inani elipheleleyo amakhadi sele lidlule a kwesiqingatha sesigidi. Le nkqubo ukuza kuthi ga kuphela, yaye kuphela ukhetho xa usingasiqithi, ngenxa ye US MasterCard kunye Visa ukwayo azisebenzi apha. Phuma imali kwikhadi "PRO100" kwi eCrimea ukuba usebenzisa i-ATM ngaphezu kwama-350 kunye namasebe yebhanki 240 yaye reprogrammed ukusebenza inkqubo kwiitheminali, inani apho ngaphezulu 1500.

Ukuphonononga malunga nenkqubo "PRO100"

Xa inkqubo yentlawulo wamisa "PRO100", phezu inxalenye yabantu Russian unemibuzo malunga nokwenzeka ukuyisebenzisa kwamanye amazwe. Kunika umdla kubasebenzisi kunye neminye imiba enxulumene nezi amakhadi.

Okwangoku, imali kuphela ukuba esetyenziswa yi-SS (yaye, ngokunjalo, kunokwenzeka ukuba ugcine imali kwi-akhawunti "PRO100"), into engange. Oku kuthetha ukuba akukho naziphi na ukuhlawula phesheya, okanye aqhube nasiphi na itransekshini exchange angaphandle. Noko ke, iingcali ungawuqwalaseli olu phawu iimephu engxakini enkulu. Ngokutsho kwabo, ukuba oyifunayo, nawuphi na ummi Russian kwamanye amazwe, bangayirhoxisa imali kwi-akhawunti ngentlawulelo zona apha ngexabiso elihle. Kanti, ukuba ashiye ilizwe kwakuza kufuneka ukuguqula engange kwezinye iimali kunye unikeza kangako evela kwiibhanki amazwe kunye neeofisi exchange.

Sekunjalo, imfuneko yokusebenzisa ezinye iimali kunye intetho wabonisa ngalo "PRO100" ncomo umsebenzisi. Ngokutsho kwabo, inkqubo ayihambelani kunye namaziko zebhanki ezinkulu (hayi kuphela Russian) ehlabathini, akandifanele ingqalelo.

Ukuza kuthi ga ngoku, ngenxa ukuphunyezwa kwezicwangciso ukuba okwanelisa abasebenzisi abanawo amandla yobugcisa okanye izakhiwo, okanye iingcali ekwaziyo iinkqubo kunye yohlelo nezixhobo "PRO100". Nokuba sikuhambise nkusungula inkqubo eqinileyo ukuba yokuqala kummandla Russia, ngokubonelela isoftware, abasebenzi kunye namaziko processing. Asinto konyaka omnye, kusenokuba yimfuneko, kwaye emva kokuba akukho iteknoloji ngokuyimfuneko lwasekhaya isebenzisane kunye namanye amazwe. Mhlawumbi ngenxa yesi sizathu abanye abantu zilawulwa ncomo abanye abathengi okanye amava abo, baya kuqhubeka ukusebenzisa iinkqubo "MasterCard" yaye "Visa 'ukuba ngoko ngenqindi phantsi kwaye waphuma Russian Federation.