Uhlelo lokukhokha "PRO100": ukubuyekezwa. Ikhadi le- "PRO 100" le-Sberbank

Naphezu kweqiniso lokuthi abaningi abazongabaza bathi kwakungenakwenzeka ukudala uhlelo lokukhokha laseRussia, lwathola eminyakeni emithathu kuphela emva kokuqala komsebenzi. Le phrojekthi yenziwa ngesikhathi esifushane kakhulu ngenxa yemizamo yezinkulungwane zabantu abathintekayo kuyo. Futhi manje iRussia Federation ayikwazi ukuxhomekeka kuhlelo "Visa" ne "MasterCard". Uhlelo lokukhokha "PRO100" selukhiphe kakade amakhadi angaphezu kwesigidi. Ngaphezu kwalokho, amakhadi ase-Sberbank angasebenza futhi ohlelweni.

Kungani uhlelo lwe-PRO100 oludingekayo?

Ukuxhomekeka kwamabhange aseRussia kuma- Visa nase-MasterCard izinhlelo zokukhokha kwaphawulwa yiBhange Elikhulu ngo-2013, lapho izinkinga zabo zingakafiki. Abomnotho basemakhaya babonisa ukukhathazeka ukuthi ukuphathwa kwamakhadi anjalo, okuyizwe okwedlula amaphesenti angama-90, kubhekene nezikhungo zezezimali zangaphandle. Kusukela ngaleso sikhathi, ukusebenza ohlelweni lukazwelonke lokukhokha (NPC) lunikezwe ukunakwa okuningi kunangaphambili. Nakuba i-PS UEC (inkokhelo yokukhokha "Ikhadi le-elekthronikhi yonke") "PRO100" ibhalisiwe njengomqhubi waseRashiya ngo-2012. Njengamanje, amakhadi anjalo, asebenza ku-M / Chip technology (ahambisana kalula namazinga ajwayelekile asemukelwa yi-MasterCard lapho izakhiwo zebhange zakhiwa yizinhlaka zebhange), zingakhokhwa ezindaweni eziningi zaseRussia namabhange asekhaya.

"Simple" ne-NPC

Kwakukholelwa ukuthi uhlelo lokukhokha "i-PRO100" luzogcina lube uhlelo lweqiniso lokukhokha kazwelonke. Kodwa-ke, ngo-Ephreli 2014, iBenki Ephakathi yenza isitatimende mayelana nokungenzeki kwalokhu. Kuze kube manje akukho uhlelo lokukhokha lwaseRussia "PRO100" nanoma yiliphi elinye i-PS elifuywayo lingaba yisizwe ngesizathu esilula. Zonke zazo zisetshenziselwa umsebenzi wohlelo, ilayisense ye-MasterCard. Futhi nakuba ukukhishwa kwe-chips yamakhadi kwenziwa eRussia, izicelo zabo zenziwa ngaphandle. Lokhu kwenziwa ukuze kube lula ukuhlanganisa amazinga amadala ngezintsha. Ngempela, ukuguqulwa kusuka ku-Visa ne-MasterCard kuya ku- "PRO100" kwakulula, kepha kwakungenakwenzeka ukwenza i-NPS kuyo.

Izici ze- "PRO100"

Ngamandla omuntu, onayo "ikhadi le-PRO100" (i-Sberbank), ngu:

• Phuma imali kuma-ATM angaphezu kuka-100,000 kulo lonke elaseRussia.
• Ukugcwaliswa kwama-akhawunti asebhange nokukhokhwa kwezinsizakalo ezihlukahlukene (kufaka phakathi izinsizakalo zikamasipala nezombuso, ngokwesibonelo ukukhishwa kwepasipoti noma ukuthola isitifiketi) kuma-terminal angu-20,000.
• Ukukhokha okusheshayo kwezimpahla namasevisi kumanethiwekhi athandwa kakhulu ezitolo zaseRussia, kuhlanganise neMediaMarkt, i-Euroset, i-Svyaznoy ne-Megafon. Futhi, ikhadi le- "PRO100" (i-Sberbank) lenza kube lula ukukhokhela ukuthenga ezinhlanganweni ezingaphezu kuka-500 izinkulungwane kulo lonke elaseRussia.
• Ukuthola inkokhelo yakhe, kanye nezinkokhelo noma izinzuzo.
• Ukugcwaliswa kabusha kwe-akhawunti yefoni kanye nezinsizakalo ze-Inthanethi.
• Ukukhokhwa okungenakho ukheshi kwemali ekuthuthweni komphakathi.
• Dlulisela imali kwamanye amakhadi (kulesi simiso noma kwabanye).
• Ukulawula ukuhamba esikoleni ingane kanye nokusebenza kwakhe esikoleni.

Ukukhokhwa kwezinsizakalo usebenzisa uhlelo lokukhokha kungabuye kwenziwe nge-intanethi (isibonelo, kusayithi le-Savings Bank, elihlinzeka ngamathuba amaningi kakhulu, kufaka phakathi "I-Auto Pay" ne "Sberbank Online"). Ngaphezu kwalokho, ikhadi lingasayinwa ngumnikazi ngumnikazi , Ukuvumela ukuthi ukwandise uhlu lwezenzo ezenziwe ngosizo lwaso.Ngalokho esitolo esise-intanethi, ngaphakathi kwekhaya noma langaphandle, uhlelo ngeke luvumele ukukhokha, ngaphezu kwalokho, akunakwenzeka ukukhokha ngokuthenga noma isevisi phesheya. e uzosebenzisana ezikhumulweni ikhadi kanye ATM kulabo yisikhungo sezinhlangano eziphambili zezezimali ezingenziwanga exhunywe kwi "PRO100" uhlelo.

Izinhlobo zamakhadi

Esikhathini "i-PRO100" (i-Sberbank), kunezinhlobo eziningana zamakhadi okukhokha : i-debit (ukukhokhelwa), inkokhelo (enye yezinhlobo zazo okungaba izinkampani), isikweletu kanye nempesheni (ezenhlalakahle). Zonke zazo zihlinzekwa yiSerbank yaseRussia nezinye izikhungo eziningana zebhange zaseRussia. Ukuze wamukele ikhadi, ibhange kufanele lifakwe kwinani lezinhlangano ezihlanganyela ohlelweni lwe-PRO100.

Amakhadi esikweletu a "PRO100" awakhishwa yiwo wonke amabhange ahlanganyela ohlelweni, ngakho ukuqinisekisa ukutholakala kwawo kufanelekile ukuxhumana noSberbank noma ukucacisa ukuthi kungenzeka nokuthi izimo zokukhipha ngamanye amabhange kumawebhusayithi alezi zinhlangano.

Ungayithola kanjani ikhadi?

Ukuze uthole ikhadi elijwayelekile elijwayelekile, kufanele:

• Faka isicelo ku-Sberbank;
• Nika wonke amadokhumenti adingekayo (kufaka phakathi ipasipoti, isitifiketi somshuwalense we-SNILS kanye nenqubomgomo ye-MHI);
• Gcwalisa isicelo sekhadi bese ufaka isignesha yomuntu;
• Thola ikhadi ngosuku lokwelapha.

Ikhadi le- "PRO100" (i-Sberbank) lingakhishwa ngamanye amabhange ahlanganyela, izinsuku zokukhishwa ezingase zihluke. Ukukhokha akudingekile, futhi isikhathi sokuqinisekisa siyiminyaka engu-5.

Amabhange ohlelweni

Kuze kube manje, uhlelo lokukhokha "PRO100" lwe-Sberbank luhlanganisa (ngaphezu kwebhange eliyinhloko lezwe) abahlanganyeli abangu-19 abengeziwe. Futhi ngenxa yokuthi banabo abangaphezu kwama-2/3 we-ATM esiphezulu ensimini ye-Russian Federation, kulula kakhulu ukusebenzisa uhlelo.

Uhlelo luhlanganisa: iBhange laseMoscow, i-AB Russia, i-Centre-Invest, i-Moscow Industrial Bank, i-Khakass Municipal Bank, i-Surgutneftegazbank, i-Almazergienbank, i-ABB Bank, i-Khanty-Mansiysk Bank, i-Severny Kredit nabanye abaningi. Bonke abawuthathi ikhomishini yokuthola imali nge-ATM yabo. Uma uhoxisa izimali ezivela ekhadini le- "PRO100" usebenzisa ukuphela kwebhange okungesona ingxenye yendlela, ikhomishini ingakhokhiswa ngenani elinqunywe yinhlangano eyakhishwe leli khadi.

"PRO100" eCrimea

Kusukela nje, uhlelo lokukhokha "PRO100" lusebenza eCrimea, nakuSevastopol. Ukukhishwa kweprojekthi esifundeni kwaqala ngoMeyi 2014. Futhi ngo-2015 inani lezinombolo zamakhadi lidlule isigamu sezigidi. Ngesikhathi esifanayo, uhlelo lusekhona kuphela okukhethwa kukho futhi okungavunyelwanga kulesi siqephu, ngoba ngenxa yesigwebo se-US, i-MasterCard ne-Visa ayisebenzi lapha. Ukuhoxisa imali kwikhadi le- "PRO100" eCrimea, kungenzeka ngosizo lwama-ATM angaphezu kwama-350, amagatsha asebhange angama-240 kanye nezinombolo zokugcina eziye zahlelwa kabusha ngenxa yokusebenza kwezinombolo ezingaphezu kwe-1500.

Amakhredithi wesistimu "PRO100"

Ngemuva kokuthi uhlelo lokukhokha "PRO100" luqaliswe, ingxenye yabantu baseRussia yayinemibuzo mayelana nokuthi kungenzeka kanjani ukuyisebenzisa ngaphandle kwamanye amazwe. Abanye abasebenzisi nabo banesithakazelo kwezinye izinkinga ezihlobene nala makhadi.

Kuze kube yimanje, imali kuphela i-PS esebenzisa yona (futhi lapho, kungenzeka ukuthi ukugcina imali ku-akhawunti ye- "PRO100") yi-ruble. Lokhu kusho ukuthi ngosizo lwabo awukwazi ukukhokha phesheya noma ukuqhuba noma yiziphi izinkokhelo zemali. Kodwa-ke, ochwepheshe abakubheki lesi sici sekhadi impikiswano enkulu. Ngokusho kwabo, uma befisa, noma yisiphi isakhamuzi saseRussia esiya phesheya singakwazi ukuhoxisa imali ku-akhawunti bese siyishintsha lapha ngenani elihle kakhulu. Khona-ke, lapho ushiye leli zwe, kuzodingeka ukuthi udlulisele ama-ruble kwezinye zezimali usebenzisa izinhlinzeko ezincane ezikhangayo ezivela ebhange langaphandle namahhovisi okushintshanisa.

Noma kunjalo, mayelana nesidingo sokusebenzisa ezinye zezimali, tshela imibono yabasebenzisi mayelana ne "PRO100". Ngokusho kwabo, uhlelo olungavumelani nezwe elikhulu (futhi hhayi nje kuphela iRashiya) izakhiwo zebhange, alinganaki ukunakwa.

Kuze kube manje, ukufeza izinhlelo ezinganelisa abasebenzisi, akwanele ikhono lobuchwephesha, akukho sakhiwo, akukho ochwepheshe abakwazi ukuhlela nokulungisa imishini ye-PRO100. Futhi ukwethula uhlelo lokuba okokuqala ensimini yeRussia, ukunikeza isofthiwe, izisebenzi nabasebenzi bokucubungula. Kungathatha iminyaka engaphezu konyaka, futhi ngemuva kokuqedwa, akudingekile ukuthi ubuchwepheshe bekhaya buzohambisana nabangaphandle. Mhlawumbe, ngenxa yalesi sizathu, abanye abasebenzisi, abaqondiswa yimpendulo evela kwamanye amakhasimende noma ulwazi lwabo, bazoqhubeka nokusebenzisa amasistimu e-MasterCard neVisa, awazange ashiye eRussia.