natgillin/translations-raw huggingface dataset:
For transfers of funds made from an account, payment service providers should not be required to verify information on the payer accompanying each transfer of funds, where the obligations under Directive 2005/60/EC have been met.
Za prenose sredstev prek računa se od izvajalcev plačilnih storitev ne bilo smelo zahtevati preverjanja podatkov o plačniku za vsak prenos sredstev, če so bile izpolnjene obveznosti iz Direktive 2005/60/ES.
Against the background of Regulation (EC) No 2560/2001 of the European Parliament and of the Council [8] and the Commission Communication ‘A New Legal Framework for Payments in the Internal Market’, it is sufficient to provide for simplified information on the payer to accompany transfers of funds within the Community.
V skladu z ozadjem Uredbe (ES) št. 2560/2001 Evropskega parlamenta in Sveta [8] in Sporočilom Komisije „Novi pravni okvir za plačila na notranjem trgu“ zadostuje, da se določijo poenostavljeni podatki o plačniku, ki morajo spremljati prenose sredstev v Skupnosti.
In order to allow the authorities responsible for combating money laundering or terrorist financing in third countries to trace the source of funds used for those purposes, transfers of funds from the Community to outside the Community should carry complete information on the payer.
Da bi organom, pristojnim za boj proti pranju denarja in financiranju terorizma v tretjih državah, omogočili izsleditev vira sredstev, uporabljenih za pranje denarja ali financiranje terorizma, bi morali prenose sredstev iz Skupnosti v države zunaj Skupnosti spremljati popolni podatki o plačniku.
Those authorities should be granted access to complete information on the payer only for the purposes of preventing, investigating and detecting money laundering or terrorist financing.
Tem organom bi moral biti dostop do popolnih podatkov o plačniku odobren samo za namene preprečevanja, preiskovanja in odkrivanja pranja denarja ali financiranja terorizma.
For transfers of funds from a single payer to several payees to be sent in an inexpensive way in batch files containing individual transfers from the Community to outside the Community, provision should be made for such individual transfers to carry only the account number of the payer or a unique identifier provided that the batch file contains complete information on the payer.
Da bi omogočili cenovno ugodno opravljanje prenosov sredstev od enega samega plačnika do več prejemnikov plačila v okviru paketnih datotek, ki vsebujejo posamezne prenose sredstev iz Skupnosti v države zunaj Skupnosti, bi bilo treba sprejeti določbe, da take posamezne prenose sredstev spremlja zgolj številka računa plačnika ali posebna identifikacijska oznaka, pod pogojem, da paketna datoteka vsebuje popolne podatke o plačniku.
In order to check whether the required information on the payer accompanies transfers of funds, and to help to identify suspicious transactions, the payment service provider of the payee should have effective procedures in place in order to detect whether information on the payer is missing.
Da bi lahko preveril, ali zahtevani podatki o plačniku spremljajo prenose sredstev in pomagal identificirati sumljive transakcije, bi moral izvajalec plačilnih storitev imeti vzpostavljene učinkovite postopke za odkrivanje odsotnosti podatkov o plačniku.
Owing to the potential terrorist financing threat posed by anonymous transfers, it is appropriate to enable the payment service provider of the payee to avoid or correct such situations when it becomes aware that information on the payer is missing or incomplete.
Zaradi potencialne grožnje financiranja terorizma, ki izhaja iz anonimnih prenosov sredstev, bi se moralo izvajalcu plačilnih storitev prejemnika plačila omogočiti, da se izogne takim okoliščinam ali jih popravi, kadar ugotovi odsotnost ali nepopolnost podatkov o plačniku.
In this regard, flexibility should be allowed as concerns the extent of information on the payer on a risk-sensitive basis.
S tega vidika je treba omogočiti fleksibilnost v zvezi z obsegom podatkov o plačniku glede na stopnjo tveganja.
In addition, the accuracy and completeness of information on the payer should remain the responsibility of the payment service provider of the payer.
Poleg tega bi morala točnost in popolnost informacij ostati v pristojnosti izvajalca plačilnih storitev plačnika.
Where the payment service provider of the payer is situated outside the territory of the Community, enhanced customer due diligence should be applied, in accordance with Directive 2005/60/EC, in respect of cross-border correspondent banking relationships with that payment service provider.
V primeru, da ima plačnikov izvajalec plačilnih storitev sedež izven ozemlja Skupnosti, bi bilo v zvezi s čezmejnimi korespondenčnimi bančnimi odnosi s tem izvajalcem plačilnih storitev treba uporabiti načelo poglobljene dolžnosti skrbnosti pri ugotavljanju identitete stranke v skladu z Direktivo 2005/60/ES.
Where guidance is given by national competent authorities as regards the obligations either to reject all transfers from a payment service provider which regularly fails to supply the required information on the payer or to decide whether or not to restrict or terminate a business relationship with that payment service provider, it should inter alia be based on the convergence of best practices and should also take into account the fact that the revised interpretative note to SR VII of the FATF allows third countries to set a threshold of EUR 1000 or USD 1000 for the obligation to send information on the payer, without prejudice to the objective of efficiently combating money laundering and terrorist financing.
Če nacionalni pristojni organi izoblikujejo smernice glede obveznosti o zavrnitvi vseh prenosov sredstev od izvajalca plačilnih storitev, ki večkrat zapored ne zagotovi zahtevanih podatkov o plačniku, ali obveznosti o sprejetju odločitve o omejitvi ali prekinitvi poslovnega odnosa z zadevnim izvajalcem plačilnih storitev, bi takšne smernice morale temeljiti na konvergenci najboljših praks in upoštevati revidirano pojasnjevalno opombo skupine FATF o SR VII, ki tretjim državam dovoljuje določitev najnižjega praga 1000 EUR ali 1000 USD, nad katerim je potrebno posredovanje podatkov o plačniku, če to ni v nasprotju s ciljem o učinkovitem boju proti pranju denarja in financiranju terorizma.
In any event, the payment service provider of the payee should exercise special vigilance, assessing the risks, when it becomes aware that information on the payer is missing or incomplete, and should report suspicious transactions to the competent authorities, in accordance with the reporting obligations set out in Directive 2005/60/EC and national implementing measures.
V vsakem primeru bi moral biti plačnikov izvajalec plačilnih storitev posebno pozoren glede na oceno tveganja, kadar ugotovi odsotnost ali nepopolnost podatkov o plačniku, pri čemer bi moral sumljive transakcije sporočiti pristojnim organom v skladu z dolžnostjo sporočanja iz Direktive 2005/60/ES in nacionalnimi izvedbenimi ukrepi.
The provisions on transfers of funds where information on the payer is missing or incomplete apply without prejudice to any obligations on payment service providers to suspend and/or reject transfers of funds which violate provisions of civil, administrative or criminal law.
Določbe o prenosih sredstev z odsotnimi ali nepopolnimi podatki o plačniku veljajo brez poseganja v kakršne koli obveznosti izvajalcev plačilnih storitev glede ustavitve in/ali zavrnitve prenosa sredstev, ki krši določbe civilnega, upravnega ali kazenskega prava.
Until technical limitations that may prevent intermediary payment service providers from satisfying the obligation to transmit all the information they receive on the payer are removed, those intermediary payment service providers should keep records of that information.
Do odprave tehničnih omejitev, ki bi lahko izvajalcem posredniških plačilnih storitev preprečile izpolnjevanje obveznosti posredovanja vseh prejetih podatkov o plačniku, bi morali ti izvajalci posredniških plačilnih storitev voditi evidence navedenih podatkov.
Such technical limitations should be removed as soon as payment systems are upgraded.
Take tehnične omejitve bi bilo treba odpraviti takoj, ko se posodobijo plačilni sistemi.
Since in criminal investigations it may not be possible to identify the data required or the individuals involved until many months, or even years, after the original transfer of funds, it is appropriate to require payment service providers to keep records of information on the payer for the purposes of preventing, investigating and detecting money laundering or terrorist financing.
Ker se lahko zgodi, da v okviru preiskav kaznivih dejanj mesece ali celo leta po prvotnem prenosu sredstev ni mogoče identificirati podatkov, ki se zahtevajo od zadevnih posameznikov, je ustrezno, da se zahteva od izvajalcev plačilnih storitev, da vodijo evidenco podatkov o plačniku za namene preprečevanja, preiskovanja in odkrivanja pranja denarja ali financiranja terorizma.
This period should be limited.
To obdobje bi moralo biti omejeno.
To enable prompt action to be taken in the fight against terrorism, payment service providers should respond promptly to requests for information on the payer from the authorities responsible for combating money laundering or terrorist financing in the Member State where they are situated.
Za omogočanje hitrega odziva v boju proti terorizmu bi se morali izvajalci plačilnih storitev hitro odzvati na zahteve po podatkih o plačniku, ki jih podajo organi, pristojni za boj proti pranju denarja in financiranju terorizma v državi članici, v kateri imajo sedež.
The number of working days in the Member State of the payment service provider of the payer determines the number of days to respond to requests for information on the payer.
Število dni, ki jih ima izvajalec plačilnih storitev za odgovor na zahtevo po podatkih o plačniku, se določi na podlagi števila delovnih dni v državi članici plačnikovega izvajalca plačilne storitve.
Given the importance of the fight against money laundering and terrorist financing, Member States should lay down effective, proportionate and dissuasive penalties in national law for failure to comply with this Regulation.
Glede na pomen boja proti pranju denarja in financiranju terorizma bi morale države članice za primere neizpolnjevanja te uredbe določiti učinkovite, sorazmerne in odvračilne kazni v nacionalnih zakonodajah.
The measures necessary for the implementation of this Regulation should be adopted in accordance with Council Decision 1999/468/EC of 28 June 1999 laying down the procedures for the exercise of implementing powers conferred on the Commission [9].
Ukrepe, potrebne za izvajanje te uredbe, bi bilo treba sprejeti v skladu s Sklepom Sveta 1999/468/ES z dne 28. junija 1999 o določitvi postopkov za uresničevanje Komisiji podeljenih izvedbenih pooblastil [9].
A number of countries and territories which do not form part of the territory of the Community share a monetary union with a Member State, form part of the currency area of a Member State or have signed a monetary convention with the European Community represented by a Member State, and have payment service providers that participate directly or indirectly in the payment and settlement systems of that Member State.
Več držav in ozemelj, ki niso sestavni del ozemlja Skupnosti, je v monetarni uniji z določeno državo članico ali je sestavni del valutnega območja države članice ali pa so podpisali monetarni sporazum z Evropsko skupnostjo, ki jo predstavlja ena od držav članic, in imajo izvajalce plačilnih storitev, ki neposredno ali posredno sodelujejo v plačilnih in klirinških sistemih te države članice.
In order to avoid the application of this Regulation to transfers of funds between the Member States concerned and those countries or territories having a significant negative effect on the economies of those countries or territories, it is appropriate to provide for the possibility for such transfers of funds to be treated as transfers of funds within the Member States concerned.
Da bi se izognili uporabi te uredbe za prenose sredstev med zadevnimi državami članicami in temi državami ali ozemlji, ki bi občutno negativno vplivala na gospodarstva navedenih držav ali ozemelj, je ustrezno določiti možnost, da se taki prenosi sredstev obravnavajo kot prenosi sredstev znotraj zadevnih držav članic.
In order not to discourage donations for charitable purposes, it is appropriate to authorise Member States to exempt payment services providers situated in their territory from collecting, verifying, recording, or sending information on the payer for transfers of funds up to a maximum amount of EUR 150 executed within the territory of that Member State.
Da se ne bi odvrnilo donacij v dobrodelne namene, je primerno, da se države članice pooblastijo, da izvajalce plačilnih storitev s sedežem na njihovih ozemljih izvzamejo iz zbiranja, preverjanja, evidentiranja ali pošiljanja podatkov o plačniku za prenose sredstev v višini do 150 EUR, ki so izvedeni znotraj njihovega ozemlja.
It is also appropriate to make this option conditional upon requirements to be met by non-profit organisations, in order to allow Member States to ensure that this exemption does not give rise to abuse by terrorists as a cover for or a means of facilitating the financing of their activities.
Prav tako je primerno, da je takšna možnost pogojna v zvezi z zahtevami, ki jih morajo izpolniti nepridobitne organizacije, kar bi državi članici zagotavljajo, da takega izvzetja teroristi ne bi zlorabljali za prikrivanje financiranja svojih dejavnosti ali kot sredstvo za spodbujanje le-tega.
Since the objectives of this Regulation cannot be sufficiently achieved by the Member States and can therefore, by reason of the scale or effects of the action, be better achieved at Community level, the Community may adopt measures, in accordance with the principle of subsidiarity as set out in Article 5 of the Treaty.
Ker ciljev te uredbe države članice ne morejo zadovoljivo doseči in ker ta cilj zaradi obsega ali učinkov predlaganega ukrepa lažje doseže Skupnost, lahko Skupnost sprejme ukrepe v skladu z načelom subsidiarnosti iz člena 5 Pogodbe.
In accordance with the principle of proportionality, as set out in that Article, this Regulation does not go beyond what is necessary in order to achieve those objectives.
V skladu z načelom sorazmernosti iz navedenega člena ta uredba ne presega okvirov, potrebnih za doseganje navedenih ciljev.
In order to establish a coherent approach in the field of combating money laundering and terrorist financing, the main provisions of this Regulation should apply from the same date as the relevant provisions adopted at international level,
Za vzpostavitev usklajenega pristopa na področju boja proti pranju denarja in financiranju terorizma bi se morale glavne določbe te uredbe začeti uporabljati na isti datum kot ustrezne določbe, sprejete na mednarodni ravni –
SUBJECT MATTER, DEFINITIONS AND SCOPE
PODROČJE UREJANJA, OPREDELITVE IN OBSEG
This Regulation lays down rules on information on the payer to accompany transfers of funds for the purposes of the prevention, investigation and detection of money laundering and terrorist financing.
Ta uredba določa pravila o podatkih, ki se nanašajo na plačnika in spremljajo prenose denarnih sredstev, za namene preprečevanja, preiskovanja in odkrivanja pranja denarja in financiranja terorizma.
‘terrorist financing’ means the provision or collection of funds within the meaning of Article 1(4) of Directive 2005/60/EC;
„financiranje terorizma“ pomeni zagotavljanje ali zbiranje sredstev v smislu člena 1(4) Direktive 2005/60/ES;
‘money laundering’ means any conduct which, when committed intentionally, is regarded as money laundering for the purposes of Article 1(2) or (3) of Directive 2005/60/EC;
„pranje denarja“ pomeni katero koli ravnanje, ki, v kolikor je storjeno naklepno, po členu 1(2) ali (3) Direktive 2005/60/ES pomeni pranje denarja;
‘payer’ means either a natural or legal person who holds an account and allows a transfer of funds from that account, or, where there is no account, a natural or legal person who places an order for a transfer of funds;
„plačnik“ pomeni bodisi fizično ali pravno osebo, ki je imetnik računa in ki dovoljuje prenos sredstev z računa, bodisi fizično ali pravno osebo, ki naroči prenos sredstev v primeru, ko račun ne obstaja;
‘payee’ means a natural or legal person who is the intended final recipient of transferred funds;
„prejemnik plačila“ pomeni fizično ali pravno osebo, ki je predvideni končni prejemnik prenesenih sredstev;
‘payment service provider’ means a natural or legal person whose business includes the provision of transfer of funds services;
„izvajalec plačilnih storitev“ pomeni fizično ali pravno osebo, katere poslovanje vključuje opravljanje storitev prenosa sredstev;
‘intermediary payment service provider’ means a payment service provider, neither of the payer nor of the payee, that participates in the execution of transfers of funds;
„izvajalec posredniških plačilnih storitev“ pomeni izvajalca plačilnih storitev, ki ni niti izvajalec plačilnih storitev plačnika niti izvajalec plačilnih storitev prejemnika plačila, je pa udeležen v izvedbi prenosa sredstev;
‘transfer of funds’ means any transaction carried out on behalf of a payer through a payment service provider by electronic means, with a view to making funds available to a payee at a payment service provider, irrespective of whether the payer and the payee are the same person;
„prenos sredstev“ pomeni katero koli transakcijo, izvedeno z elektronskimi sredstvi v imenu plačnika prek izvajalca plačilnih storitev, z namenom dati sredstva na razpolago prejemniku plačila pri izvajalcu plačilnih sredstev, ne glede na to, ali sta plačnik in prejemnik plačila ista oseba;
‘batch file transfer’ means several individual transfers of funds which are bundled together for transmission;
„paketni prenos sredstev“ pomeni več posameznih prenosov sredstev, ki so združeni za namene pošiljanja;
‘unique identifier’ means a combination of letters, numbers or symbols, determined by the payment service provider, in accordance with the protocols of the payment and settlement system or messaging system used to effect the transfer of funds.
„posebna identifikacijska oznaka“ pomeni kombinacijo črk, številk ali simbolov, ki jo izvajalec plačilnih storitev določi v skladu s protokoli plačilnega in poravnalnega sistema ali sistema sporočil, ki se uporablja za izvedbo prenosa sredstev.
This Regulation shall apply to transfers of funds, in any currency, which are sent or received by a payment service provider established in the Community.
Ta uredba se uporablja za prenose sredstev v kateri koli valuti, ki jih pošlje ali prejme izvajalec plačilnih storitev s sedežem v Skupnosti.
This Regulation shall not apply to transfers of funds carried out using a credit or debit card, provided that:
Ta uredba se ne uporablja za prenose sredstev, ki so izvedeni z uporabo kreditne ali debetne kartice, pod pogojem, da:
the payee has an agreement with the payment service provider permitting payment for the provision of goods and services;
prejemnik plačila je z izvajalcem plačilnih storitev sklenil dogovor, ki dovoljuje plačilo dobave blaga in storitev;
a unique identifier, allowing the transaction to be traced back to the payer, accompanies such transfer of funds.
prenose sredstev spremlja posebna identifikacijska oznaka, ki omogoča, da se transakcija izsledi nazaj do plačnika.
Where a Member State chooses to apply the derogation set out in Article 11(5)(d) of Directive 2005/60/EC, this Regulation shall not apply to transfers of funds using electronic money covered by that derogation, except where the amount transferred exceeds EUR 1000.
Če se država članica odloči, da bo uporabila odstopanje po členu 11(5)(d) Direktive 2005/60/ES, se ta uredba ne uporablja za prenose sredstev z uporabo elektronskega denarja, ki ga ureja navedeno odstopanje, razen če preneseni znesek presega 1000 EUR.
Without prejudice to paragraph 3, this Regulation shall not apply to transfers of funds carried out by means of a mobile telephone or any other digital or Information Technology (IT) device, when such transfers are pre-paid and do not exceed EUR 150.
Brez poseganja v odstavek 3 ta uredba ne velja za prenose sredstev, opravljene s prenosnim telefonom ali kakršnim koli drugim digitalnim ali informacijsko-tehnološkim pripomočkom, kadar so ti prenosi plačani vnaprej in ne presegajo 150 EUR.
This Regulation shall not apply to transfers of funds carried out by means of a mobile telephone or any other digital or IT device, when such transfers are post-paid and meet all of the following conditions:
Ta uredba ne velja za prenose sredstev, opravljene s prenosnim telefonom ali kakršnim koli drugim digitalnim ali informacijsko-tehnološkim (IT) pripomočkom, če so ti prenosi plačani naknadno in izpolnjujejo naslednje pogoje:
a unique identifier, allowing the transaction to be traced back to the payer, accompanies the transfer of funds;
prenose sredstev spremlja posebna identifikacijska oznaka, ki omogoča, da se transakcija izsledi nazaj do plačnika;
the payment service provider is subject to the obligations set out in Directive 2005/60/EC.
za izvajalca plačilnih storitev veljajo obveznosti iz Direktive 2005/60/ES.
Member States may decide not to apply this Regulation to transfers of funds within that Member State to a payee account permitting payment for the provision of goods or services if:
Države članice se lahko odločijo, da te uredbe na svojem ozemlju ne bodo uporabljale za prenose sredstev na račun prejemnika plačila, s katerega je mogoče plačevati dobavo blaga in storitev, če:
the payment service provider of the payee is subject to the obligations set out in Directive 2005/60/EC;
za izvajalca plačilnih storitev prejemnika plačila veljajo obveznosti iz Direktive 2005/60/ES;
the payment service provider of the payee is able by means of a unique reference number to trace back, through the payee, the transfer of funds from the natural or legal person who has an agreement with the payee for the provision of goods and services;
lahko izvajalec plačilnih storitev prejemnika plačila s posebno referenčno številko prek prejemnika plačila izsledi prenos sredstev od fizične ali pravne osebe, ki je s prejemnikom plačila sklenila dogovor o dobavi blaga ali opravljanju storitev;
the amount transacted is EUR 1000 or less.
je znesek transakcije 1000 EUR ali manj.
Member States making use of this derogation shall inform the Commission thereof.
Države članice, ki uporabljajo to odstopanje, o tem obvestijo Komisijo.
This Regulation shall not apply to transfers of funds:
Ta uredba se ne uporablja za prenose sredstev:
where the payer withdraws cash from his or her own account;
pri katerih plačnik s svojega računa dviga gotovino;
where there is a debit transfer authorisation between two parties permitting payments between them through accounts, provided that a unique identifier accompanies the transfer of funds, enabling the natural or legal person to be traced back;
pri katerih obstaja dovoljenje za knjiženje v breme, ki dvema strankama omogoča medsebojna plačila prek računov, pod pogojem, da so prenosi sredstev opremljeni s posebno identifikacijsko oznako, ki omogoča izsleditev fizične ali pravne osebe;
where truncated cheques are used;
pri katerih se uporablja elektronsko obdelane čeke;
to public authorities for taxes, fines or other levies within a Member State;
za poravnavo davkov, kazni in drugih dajatev javnim organom znotraj države članice;
where both the payer and the payee are payment service providers acting on their own behalf.
pri katerih sta tako plačnik kot prejemnik plačila hkrati tudi izvajalca plačilnih storitev in delujeta v svojem imenu.
OBLIGATIONS ON THE PAYMENT SERVICE PROVIDER OF THE PAYER
OBVEZNOSTI PLAČNIKOVEGA IZVAJALCA PLAČILNIH STORITEV
Complete information on the payer
Popolni podatki o plačniku
Complete information on the payer shall consist of his name, address and account number.
Popolni podatki o plačniku so sestavljeni iz njegovega imena, naslova in številke računa.