natgillin/translations-raw huggingface dataset:
The payer’s payment service provider, namely the account servicing payment service provider or, where appropriate, the payment initiation service provider, should assume liability for correct payment execution, including, in particular, the full amount of the payment transaction and execution time, and full responsibility for any failure by other parties in the payment chain up to the account of the payee.
Vendar so za pravilno delovanje kreditnih plačil in drugih plačilnih storitev potrebne pogodbe med ponudniki plačilnih storitev in njihovimi posredniki, kot so obdelovalci, v katerih določijo vzajemne pravice in obveznosti.
As a result of that liability, the payment service provider of the payer should, where the full amount is not credited or is only credited late to the payee’s payment service provider, correct the payment transaction or without undue delay refund the payer the relevant amount of that transaction, without prejudice to any other claims which may be made in accordance with national law.
Vprašanja v zvezi z obveznostmi so bistven del teh standardnih pogodb.
Due to the payment service provider’s liability, the payer or payee should not be burdened with any costs relating to the incorrect payment.
Da bi se lahko ponudniki plačilnih storitev in posredniki, ki sodelujejo v plačilni transakciji, zanesli drug na drugega, je treba zagotoviti pravno varnost, na podlagi katere ponudnik plačilnih storitev, ki mu ni mogoče pripisati odgovornosti, prejme nadomestilo za nastalo izgubo ali zneske, plačane na podlagi določb te direktive glede odgovornosti.
In the case of non-execution, defective or late execution of payment transactions, Member States should ensure that the value date of corrective payments of payment service providers is always the same as the value date in the case of correct execution.
Nadaljnje pravice in podrobnosti v zvezi z obsegom regresne pravice ter način obravnavanja zahtevkov do ponudnika plačilnih storitev ali posrednika, ki mu je mogoče pripisati nepravilno izvršeno plačilno transakcijo, bi morali biti določeni v pogodbah.
This Directive should concern only contractual obligations and responsibilities between the payment service user and the payment service provider.
Ponudnik plačilnih storitev bi moral imeti možnost nedvoumno določiti informacije, ki so potrebne za pravilno izvršitev plačilnega naloga.
However, the proper functioning of credit transfers and other payment services requires that payment service providers and their intermediaries, such as processors, have contracts in which their mutual rights and obligations are laid down.
Po drugi strani pa zaradi preprečevanja razdrobljenosti in ogrožanja vzpostavljanja integriranih plačilnih sistemov v Uniji državam članicam ne bi smelo biti dovoljeno, da zahtevajo uporabo posebnih identifikacijskih oznak za plačilne transakcije.
Questions relating to liabilities form an essential part of those uniform contracts.
Vendar to državam članicam ne bi smelo preprečiti, da od plačnikovega ponudnika plačilnih storitev zahtevajo skrbno ravnanje in preverjanje doslednosti enolične identifikacijske oznake, kjer je to tehnično izvedljivo in ni potrebno ročno posredovanje, če se ugotovi, da je enolična identifikacijska oznaka nedosledna, pa zavrnitev plačilnega naloga in obvestitev plačnika.
To ensure the reliability among payment service providers and intermediaries taking part in a payment transaction, legal certainty is necessary to the effect that a non-responsible payment service provider is compensated for losses incurred or sums paid pursuant to the provisions of this Directive relating to liability.
Obveznost ponudnika plačilnih storitev bi morala biti omejena na pravilno izvršitev plačilne transakcije v skladu s plačilnim nalogom uporabnika plačilnih storitev.
Further rights and details of content of recourse and how to handle claims towards the payment service provider or intermediary attributable to a defective payment transaction should be subject to agreement.
Če bi se zgodilo, da bi sredstva iz plačilne transakcije zaradi nepravilne enolične identifikacijske oznake plačnika dosegla napačnega prejemnika, ponudnika plačilnih storitev plačnika in prejemnik plačila ne bi smela biti odgovorna, a bi morala biti dolžna sodelovati pri razumnih prizadevanjih za izterjavo sredstev, tudi s posredovanjem ustreznih informacij.
It should be possible for the payment service provider to specify unambiguously the information required to execute a payment order correctly.
Opravljanje plačilnih storitev s strani ponudnikov plačilnih storitev lahko zajema obdelavo osebnih podatkov.
On the other hand, however, in order to avoid fragmentation and jeopardising the setting-up of integrated payment systems in the Union, Member States should not be allowed to require a particular identifier to be used for payment transactions.
Za obdelavo osebnih podatkov za namene te direktive se uporabljajo Direktiva 95/46/ES Evropskega parlamenta in Sveta [22], nacionalni predpisi, ki prenašajo Direktivo 95/46/ES, in Uredba (ES) št. 45/2001 Evropskega parlamenta in Sveta [23].
However, that should not prevent Member States from requiring the payment service provider of the payer to act with due diligence and to verify, where technically possible and without requiring manual intervention, the coherence of the unique identifier, and, where the unique identifier is found to be incoherent, to refuse the payment order and inform the payer thereof.
Zlasti v primeru obdelave osebnih podatkov za namene te direktive bi bilo treba določiti natančen namen, navesti zadevno pravno podlago in upoštevati ustrezne varnostne zahteve, določene v Direktivi 95/46/ES, ter spoštovati načela nujnosti, sorazmernosti, omejitve namena in sorazmernega obdobja hrambe podatkov.
The liability of the payment service provider should be limited to the correct execution of the payment transaction in accordance with the payment order of the payment service user.
Poleg tega bi morali imeti vsi sistemi za obdelavo podatkov, ki se razvijejo in uporabljajo v okviru te direktive, vgrajene funkcije za varstvo podatkov in slednje zagotavljati privzeto.
If the funds involved in a payment transaction reach the wrong recipient due to an incorrect unique identifier provided by the payer, the payment service providers of the payer and the payee should not be liable, but should be obliged to cooperate in making reasonable efforts to recover the funds including by communicating relevant information.
V tej direktivi so spoštovane temeljne pravice in upoštevana načela, priznana v Listini Evropske unije o temeljnih pravicah, vključno s pravico do spoštovanja zasebnega in družinskega življenja, pravico do varstva osebnih podatkov, svobodo gospodarske pobude, pravico do učinkovitega pravnega sredstva in pravico, da se za isto kaznivo dejanje kazensko ne preganja ali kaznuje dvakrat.
Provision of payment services by the payment services providers may entail processing of personal data.
Ta direktiva se mora izvajati v skladu s temi pravicami in načeli.
Directive 95/46/EC of the European Parliament and of the Council [22], the national rules which transpose Directive 95/46/EC and Regulation (EC) No 45/2001 of the European Parliament and of the Council [23] are applicable to the processing of personal data for the purposes of this Directive.
Ponudniki plačilnih storitev so odgovorni za varnostne ukrepe.
In particular, where personal data is processed for the purposes of this Directive, the precise purpose should be specified, the relevant legal basis referred to, the relevant security requirements laid down in Directive 95/46/EC complied with, and the principles of necessity, proportionality, purpose limitation and proportionate data retention period respected.
Ti ukrepi morajo biti sorazmerni z zadevnimi varnostnimi tveganji.
Also, data protection by design and data protection by default should be embedded in all data processing systems developed and used within the framework of this Directive.
Ponudniki plačilnih storitev bi morali vzpostaviti okvir za zmanjšanje tveganj in vodenje učinkovitih postopkov za obvladovanje incidentov.
This Directive respects the fundamental rights and observes the principles recognised by the Charter of Fundamental Rights of the European Union, including the right to respect for private and family life, the right to protection of personal data, the freedom to conduct a business, the right to an effective remedy and the right not to be tried or punished twice in criminal proceedings for the same offence.
Uvesti bi bilo treba mehanizem rednega poročanja, s katerim bi zagotovili, da bi ponudniki plačilnih storitev pristojnim organom redno zagotavljali posodobljeno oceno svojih varnostnih tveganj in ukrepov, sprejetih v odgovor na ta tveganja.
This Directive must be implemented in accordance with those rights and principles.
Da bi bila škoda, povzročena uporabnikom, drugim ponudnikom plačilnih storitev ali plačilnim sistemom, kot so na primer večje motnje plačilnega sistema, čim manjša, je bistveno, da se od ponudnikov plačilnih storitev zahteva, da vse večje varnostne incidente brez nepotrebnega odlašanja sporočijo pristojnim organom.
Payment service providers are responsible for security measures.
Določiti bi bilo treba, da ima EBA usklajevalno vlogo.
Those measures need to be proportionate to the security risks concerned.
Obveznosti poročanja o varnostnih incidentih ne bi smele posegati v druge obveznosti poročanja o incidentih, določenih v drugih pravnih aktih Unije, in vse zahteve iz te direktive bi morale biti usklajene in sorazmerne z obveznostmi poročanja, določenimi v drugem pravu Unije.
Payment service providers should establish a framework to mitigate risks and maintain effective incident management procedures.
Treba je določiti jasen pravni okvir, ki določa pogoje, v skladu s katerimi lahko ponudniki storitev odreditve plačil in ponudniki storitev zagotavljanja informacij o računih svoje storitve opravljajo s privoljenjem imetnika računa, ne da bi ponudnik plačilnih storitev, ki vodi račun, za opravljanje navedenih vrst storitev od njih zahteval uporabo posebnega poslovnega modela na podlagi neposrednega ali posrednega dostopa.
A regular reporting mechanism should be established, to ensure that payment service providers provide the competent authorities, on a regular basis, with an updated assessment of their security risks and the measures that they have taken in response to those risks.
Ponudniki storitev odreditve plačil in ponudniki storitev zagotavljanja informacij o računih na eni strani ter ponudnik plačilnih storitev, ki vodi račun, na drugi strani bi morali izpolnjevati ustrezne zahteve glede varstva podatkov in varnosti, določene ali omenjene v tej direktivi ali vključene v regulativne tehnične standarde.
Furthermore, in order to ensure that damage to users, other payment service providers or payment systems, such as a substantial disruption of a payment system, is kept to a minimum, it is essential that payment service providers be required to report major security incidents without undue delay to the competent authorities.
Ti regulativni tehnični standardi bi morali biti združljivi z različnimi tehnološkimi rešitvami, ki so na voljo.
A coordination role by EBA should be established.
Zaradi zagotavljanja varne komunikacije med zadevnimi udeleženci v okviru teh storitev bi moral EBA določiti tudi zahteve za skupne in odprte standarde komunikacije, ki bi jih izvajali vsi ponudniki plačilnih storitev, ki vodijo račune, in omogočajo zagotavljanje spletnih plačilnih storitev.
The security incidents reporting obligations should be without prejudice to other incident reporting obligations laid down in other legal acts of the Union and any requirements laid down in this Directive should be aligned with, and proportionate to, the reporting obligations imposed by other Union law.
To pomeni, da bi morali ti odprti standardi zagotavljati interoperabilnost med različnimi tehnološkimi komunikacijskimi rešitvami.
It is necessary to set up a clear legal framework which sets out the conditions under which payment initiation service providers and account information service providers can provide their services with the consent of the account holder without being required by the account servicing payment service provider to use a particular business model, whether based on direct or indirect access, for the provision of those types of services.
Ti splošni in odprti standardi bi morali zagotavljati tudi, da je ponudnik plačilnih storitev, ki vodi račun, seznanjen s tem, da se nanj obrača ponudnik storitev odreditve plačil ali ponudnik storitev zagotavljanja informacij o računih, ne pa sama stranka.
The payment initiation service providers and the account information service providers on the one hand and the account servicing payment service provider on the other, should observe the necessary data protection and security requirements established by, or referred to in, this Directive or included in the regulatory technical standards.
Standardi bi morali tudi zagotoviti, da ponudniki storitev odreditve plačil in ponudniki storitev zagotavljanja informacij o računih varno komunicirajo s ponudnikom plačilnih storitev, ki vodi račun, in vpletenimi strankami.
Those regulatory technical standards should be compatible with the different technological solutions available.
EBA bi moral pri pripravi teh zahtev posebno pozornost posvetiti temu, da standardi, ki se bodo uporabljali, omogočajo uporabo vseh vrst naprav (na primer računalnikov, tablic in mobilnih telefonov) za izvajanje različnih plačilnih storitev.
In order to ensure secure communication between the relevant actors in the context of those services, EBA should also specify the requirements of common and open standards of communication to be implemented by all account servicing payment service providers that allow for the provision of online payment services.
Pri pripravi regulativnih tehničnih standardov o avtentikaciji in komunikaciji bi moral EBA sistematično ocenjevati in upoštevati razsežnost zasebnosti, da bi opredelili tveganja, povezana s posameznimi razpoložljivimi tehničnimi možnostmi, in rešitve, ki bi jih bilo mogoče sprejeti za omejitev ogroženosti varstva podatkov.
This means that those open standards should ensure the interoperability of different technological communication solutions.
Varnost elektronskih plačil je bistvenega pomena, da bi zagotovili zaščito uporabnikov in razvoj ugodnega okolja za e-trgovanje.
Those common and open standards should also ensure that the account servicing payment service provider is aware that he is being contacted by a payment initiation service provider or an account information service provider and not by the client itself.
Vse plačilne storitve, ki se zagotavljajo elektronsko, bi se morale opravljati varno z uporabo tehnologij, ki omogočajo varno avtentikacijo uporabnika in v čim večji meri prispevajo k zmanjšanju tveganja goljufije.
The standards should also ensure that payment initiation service providers and account information service providers communicate with the account servicing payment service provider and with the customers involved in a secure manner.
Zdi se, da ni treba zagotavljati enake ravni zaščite za plačilne transakcije, odrejene in izvršene na načine, ki ne temeljijo na uporabi elektronskih platform ali naprav, kot so na primer papirne plačilne transakcije in prodaja po pošti ali telefonu.
In developing those requirements, EBA should pay particular attention to the fact that the standards to be applied are to allow for the use of all common types of devices (such as computers, tablets and mobile phones) for carrying out different payment services.
Vztrajno rast števila spletnih in mobilnih plačil bi moralo spremljati splošno izboljšanje varnostnih ukrepov.
When developing regulatory technical standards on authentication and communication, EBA should systematically assess and take into account the privacy dimension, in order to identify the risks associated with each of the technical options available and the remedies that could be put in place to minimise threats to data protection.
Zato bi morale plačilne storitve prek spleta ali drugih kanalov na daljavo, katerih delovanje ni odvisno od tega, kje se fizično nahajata naprava za odreditev plačilne transakcije ali plačilni instrument, zajemati avtentikacijo transakcij z dinamičnimi kodami, da bi bil uporabnik vedno obveščen o znesku, prejemnik plačila pa o transakciji, ki jo uporabnik odobri.
Security of electronic payments is fundamental for ensuring the protection of users and the development of a sound environment for e-commerce.
Varnostni ukrepi bi morali biti skladni s stopnjo tveganja, povezanega s plačilno storitvijo.
All payment services offered electronically should be carried out in a secure manner, adopting technologies able to guarantee the safe authentication of the user and to reduce, to the maximum extent possible, the risk of fraud.
Da bi torej omogočili razvoj uporabniku prijaznih in dostopnih plačilnih sredstev za plačila z majhnim tveganjem, kot so npr. brezstična plačila malih vrednosti na prodajnem mestu prek mobilnega telefona ali brez njega, bi morale biti izjeme od uporabe varnostnih zahtev določene v regulativnih tehničnih standardih.
There does not seem to be a need to guarantee the same level of protection to payment transactions initiated and executed with modalities other than the use of electronic platforms or devices, such as paper-based payment transactions, mail orders or telephone orders.
Potrebna je varna uporaba osebnih varnostnih elementov, da bi omejili tveganja, povezana z lažnim predstavljanjem in drugimi goljufivimi dejanji.
A solid growth of internet payments and mobile payments should be accompanied by a generalised enhancement of security measures.
Uporabnik bi se moral pri tem zanašati na sprejetje ukrepov, namenjenih zaščiti zaupnosti in celovitosti njegovih osebnih varnostnih elementov.
Payment services offered via internet or via other at-distance channels, the functioning of which does not depend on where the device used to initiate the payment transaction or the payment instrument used are physically located, should therefore include the authentication of transactions through dynamic codes, in order to make the user aware, at all times, of the amount and the payee of the transaction that the user is authorising.
Med temi ukrepi so običajno sistemi za šifriranje na podlagi osebnih naprav plačnika, vključno s kartičnimi čitalniki ali mobilnimi telefoni, ali ki jih prek drugega kanala, npr. sporočil SMS ali e-pošte, plačniku zagotovi njegov ponudnik plačilnih storitev, ki vodi račun.
The security measures should be compatible with the level of risk involved in the payment service.
S temi ukrepi, med katerimi so običajno sistemi za šifriranje, ki so lahko povezani s šiframi za avtentikacijo, kot so gesla za enkratno uporabo, je mogoče zagotoviti večjo varnost plačilnih transakcij.
In order to allow the development of user-friendly and accessible means of payment for low-risk payments, such as low value contactless payments at the point of sale, whether or not they are based on mobile phone, the exemptions to the application of security requirements should be specified in regulatory technical standards.
Če uporabniki plačilnih storitev uporabljajo takšne šifre za avtentikacijo, bi moralo veljati, da je takšna uporaba v skladu z njihovimi obveznostmi glede plačilnih instrumentov in osebnih varnostnih elementov, tudi če so vključeni ponudniki storitev odreditve plačil in ponudniki storitev zagotavljanja informacij o računih.
Safe use of personalised security credentials is needed to limit the risks relating to phishing and other fraudulent activities.
Države članice bi morale določiti, ali so organi, pristojni za izdajo dovoljenj plačilnim institucijam, lahko pristojni tudi za postopke alternativnega reševanja sporov (ARS).
In that respect, the user should be able to rely on the adoption of measures that protect the confidentiality and integrity of personalised security credentials.
Brez poseganja v pravico strank, da sprožijo postopke na sodišču, bi morale države članice zagotoviti lahko dostopen, ustrezen, neodvisen, nepristranski, pregleden in učinkovit postopek ARS med ponudniki plačilnih storitev in uporabniki plačilnih storitev, ki so posledica pravic in obveznosti iz te direktive.
Those measures typically include encryption systems based on personal devices of the payer, including card readers or mobile phones, or provided to the payer by its account servicing payment service provider via a different channel, such as by SMS or email.
Uredba (ES) št. 593/2008 Evropskega parlamenta in Sveta [24] določa, da varstva potrošnikov, ki ga zagotavljajo obvezna pravna pravila njihove države stalnega prebivališča, ne smejo ogroziti nobene določbe o pravu, ki se uporablja za pogodbo.
The measures, typically including encryption systems, which may result in authentication codes such as one-time passwords, are able to enhance the security of payment transactions.
Države članice bi morale zagotoviti, da imajo subjekti ARS zadostne zmogljivosti za sodelovanje pri ustreznem in učinkovitem čezmejnem sodelovanju na področju sporov, povezanih s pravicami in obveznostmi na podlagi te direktive.
The use of such authentication codes by payment service users should be considered to be compatible with their obligations in relation to payment instruments and personalised security credentials also when payment initiation service providers or account information service providers are involved.
Zagotoviti je treba učinkovito uresničevanje določb nacionalnega prava, sprejetega na podlagi te direktive.
Member States should determine whether the competent authorities designated for granting authorisation to payment institutions might also be the competent authorities with regard to alternative dispute resolution (ADR) procedures.
Zato bi bilo treba vzpostaviti ustrezne postopke, s katerimi bo mogoče obravnavati pritožbe proti ponudnikom plačilnih storitev, ki ne izpolnjujejo navedenih določb, in po potrebi zagotoviti določitev učinkovitih, sorazmernih in odvračalnih kazni.
Regulation (EC) No 593/2008 of the European Parliament and of the Council [24] provides that the protection afforded to consumers by the mandatory rules of the law of the country in which they have their habitual residence is not to be undermined by any contractual terms concerning the law applicable to the contract.
Zaradi preglednosti bi morale države članice Komisijo obvestiti o organih, ki so jih imenovale, in jasno opisati njihove dolžnosti na podlagi te direktive.
With a view to establishing an efficient and effective dispute resolution procedure, Member States should ensure that payment service providers put in place an effective complaints procedure that can be followed by their payment service users before the dispute is referred to be resolved in an ADR procedure or before a court.
Brez poseganja v pravico do sprožitve postopkov na sodišču zaradi zagotavljanja skladnosti s to direktivo bi morale države članice tudi zagotoviti, da so pristojnim organom podeljena potrebna pooblastila, vključno s pooblastilom nalaganja kazni, kadar ponudnik plačilnih storitev ne upošteva pravic in obveznosti iz te direktive, zlasti če obstaja nevarnost ponovitve ali drugačna skrb glede skupnih interesov potrošnikov.
The complaints procedure should contain short and clearly defined timeframes within which the payment service provider should reply to a complaint.
Pomembno je, da so potrošniki jasno in razumljivo obveščeni o svojih pravicah in obveznostih v skladu s to direktivo.
Member States should ensure that ADR entities have sufficient capacity to engage in an adequate and efficient way in cross-border cooperation with regard to disputes concerning rights and obligations pursuant to this Directive.
Komisija bi morala torej pripraviti brošuro o teh pravicah in obveznostih.
It is necessary to ensure the effective enforcement of the provisions of national law adopted pursuant to this Directive.
Ta direktiva ne posega v določbe nacionalne zakonodaje v zvezi s posledicami glede odgovornosti za nepravilnosti pri izražanju v izjavi ali njenem posredovanju.