natgillin/translations-raw huggingface dataset:
EBA shall, in close cooperation with the ECB, review the guidelines referred to in paragraph 3 on a regular basis and in any event at least every 2 years.
opravi kakršno koli dejavnost prek kanala na daljavo, ki lahko pomeni tveganje plačilne goljufije ali drugih zlorab.
While issuing and reviewing the guidelines referred to in paragraph 3, EBA shall take into account standards and/or specifications developed and published by the European Union Agency for Network and Information Security for sectors pursuing activities other than payment service provision.
V primeru odreditve elektronskih plačilnih transakcij iz točke (b) odstavka 1 države članice zagotovijo, da za elektronske plačilne transakcije na daljavo ponudniki plačilnih storitev uporabljajo močno avtentikacijo strank, ki vsebuje elemente za dinamično povezavo transakcije z določenim zneskom in določenim prejemnikom plačila.
Member States shall ensure that payment service providers provide, at least on an annual basis, statistical data on fraud relating to different means of payment to their competent authorities.
V primeru iz odstavka 1 države članice zagotovijo, da imajo ponudniki plačilnih storitev na voljo ustrezne varnostne ukrepe, s katerimi zavarujejo zaupnost in celovitost osebnih varnostnih elementov uporabnikov plačilnih storitev.
Those competent authorities shall provide EBA and the ECB with such data in an aggregated form.
Odstavka 2 in 3 se uporabljata tudi, kadar se plačila odredijo prek ponudnika storitev odreditve plačil.
Article 97
Odstavka 2 in 3 se uporabljata tudi, kadar se informacije zahtevajo prek ponudnika storitev zagotavljanja informacij o računih.
Authentication
Države članice zagotovijo, da ponudnik plačilnih storitev, ki vodi račun, omogoča ponudniku storitev odreditve plačil in ponudniku storitev zagotavljanja informacij o računih, da upoštevata postopke avtentikacije, ki jih je v skladu z odstavki 1 in 3 uporabniku plačilnih storitev zagotovil ponudnik plačilnih storitev, ki vodi račun, in, kadar je vključen ponudnik storitev odreditve plačil, v skladu z odstavki 1, 2 in 3.
Member States shall ensure that a payment service provider applies strong customer authentication where the payer:
Člen 98
accesses its payment account online;
Regulativni tehnični standardi na področju avtentikacije in komunikacije
initiates an electronic payment transaction;
EBA v tesnem sodelovanju z ECB in po posvetovanju z vsemi zadevnimi deležniki, tudi s tistimi na trgu plačilnih storitev, da bi tako upošteval vse zadevne interese, v skladu s členom 10 Uredbe (EU) št. 1093/2010 pripravi osnutke regulativnih tehničnih standardov, naslovljene na ponudnike plačilnih storitev iz člena 1(1) te direktive, v katerih določi:
carries out any action through a remote channel which may imply a risk of payment fraud or other abuses.
zahteve za močno avtentikacijo strank iz člena 97(1) in (2);
With regard to the initiation of electronic payment transactions as referred to in point (b) of paragraph 1, Member States shall ensure that, for electronic remote payment transactions, payment service providers apply strong customer authentication that includes elements which dynamically link the transaction to a specific amount and a specific payee.
izjeme od uporabe člena 97(1), (2) in (3), ki temeljijo na merilih, določenih v odstavku 3 tega člena;
With regard to paragraph 1, Member States shall ensure that payment service providers have in place adequate security measures to protect the confidentiality and integrity of payment service users’ personalised security credentials.
zahteve, s katerimi morajo biti skladni varnostni ukrepi v skladu s členom 97(3), da se zaščitita zaupnost in celovitost osebnih varnostnih elementov uporabnika plačilnih storitev, in
Paragraphs 2 and 3 shall also apply where payments are initiated through a payment initiation service provider.
zahteve za skupne in varne odprte standarde komuniciranja za namen opredelitve, avtentikacije, obvestitve in sporočanja informacij ter za izvajanje varnostnih ukrepov med ponudniki plačilnih storitev, ki vodijo račune, ponudniki storitev odreditve plačil, ponudniki storitev zagotavljanja informacij o računih, plačniki in prejemniki plačil ter drugimi ponudniki plačilnih storitev.
Paragraphs 1 and 3 shall also apply when the information is requested through an account information service provider.
EBA pripravi osnutke regulativnih tehničnih standardov iz odstavka 1 z namenom::
Member States shall ensure that the account servicing payment service provider allows the payment initiation service provider and the account information service provider to rely on the authentication procedures provided by the account servicing payment service provider to the payment service user in accordance with paragraphs 1 and 3 and, where the payment initiation service provider is involved, in accordance with paragraphs 1, 2 and 3.
zagotoviti ustrezno raven varnosti za uporabnike plačilnih storitev in ponudnike plačilnih storitev s sprejetjem učinkovitih, na tveganju temelječih zahtev;
Article 98
zagotoviti varnost sredstev in osebnih podatkov uporabnikov plačilnih storitev;
Regulatory technical standards on authentication and communication
zagotoviti in ohraniti pošteno konkurenco med vsemi ponudniki plačilnih storitev;
EBA shall, in close cooperation with the ECB and after consulting all relevant stakeholders, including those in the payment services market, reflecting all interests involved, develop draft regulatory technical standards addressed to payment service providers as set out in Article 1(1) of this Directive in accordance with Article 10 of Regulation (EU) No 1093/2010 specifying:
zagotoviti tehnološko nevtralnost in nevtralnost poslovnega modela;
the requirements of the strong customer authentication referred to in Article 97(1) and (2);
omogočiti razvoj uporabniku prijaznih, dostopnih in inovativnih plačilnih sredstev.
the exemptions from the application of Article 97(1), (2) and (3), based on the criteria established in paragraph 3 of this Article;
Izjeme iz točke (b) odstavka 1 temeljijo na naslednjih merilih:
the requirements with which security measures have to comply, in accordance with Article 97(3) in order to protect the confidentiality and the integrity of the payment service users’ personalised security credentials; and
raven tveganja, povezanega s plačilno storitvijo, ki se opravlja;
the requirements for common and secure open standards of communication for the purpose of identification, authentication, notification, and information, as well as for the implementation of security measures, between account servicing payment service providers, payment initiation service providers, account information service providers, payers, payees and other payment service providers.
znesek, ponovitev transakcije ali oboje;
The draft regulatory technical standards referred to in paragraph 1 shall be developed by EBA in order to:
plačilni kanal, ki se uporablja za izvršitev transakcije.
ensure an appropriate level of security for payment service users and payment service providers, through the adoption of effective and risk-based requirements;
EBA do 13. januarja 2017 predloži Komisiji navedene osnutke regulativnih tehničnih standardov iz odstavka 1.
ensure the safety of payment service users’ funds and personal data;
Na Komisijo se prenese pooblastilo za sprejetje navedenih regulativnih tehničnih standardov v skladu členi 10 do 14 Uredbe (EU) št. 1093/2010.
secure and maintain fair competition among all payment service providers;
EBA v skladu s členom 10 Uredbe (EU) št. 1093/2010 redno pregleduje in, če je ustrezno, posodablja regulativne tehnične standarde, da bi tako med drugim upošteval inovacije in tehnološki razvoj.
ensure technology and business-model neutrality;
POGLAVJE 6
allow for the development of user-friendly, accessible and innovative means of payment.
Postopki ARS za izvensodno reševanje sporov
The exemptions referred to in point (b) of paragraph 1 shall be based on the following criteria:
Pritožbeni postopki
the level of risk involved in the service provided;
Člen 99
the amount, the recurrence of the transaction, or both;
Pritožbe
the payment channel used for the execution of the transaction.
Države članice zagotovijo, da se vzpostavijo postopki, ki uporabnikom plačilnih storitev in drugim zainteresiranim stranem, vključno z združenji potrošnikov, omogočajo vlaganje pritožb pri pristojnih organih v zvezi z domnevnimi kršitvami te direktive s strani ponudnika plačilnih storitev.
EBA shall submit the draft regulatory technical standards referred to in paragraph 1 to the Commission by 13 January 2017.
Po potrebi in brez poseganja v pravico, da vložijo pravno sredstvo na sodišču v skladu z nacionalnim procesnim pravom, pristojni organi v odgovoru obvestijo pritožnika o obstoju postopkov ARS, vzpostavljenih v skladu s členom 102.
Power is delegated to the Commission to adopt those regulatory technical standards in accordance with Articles 10 to 14 of Regulation (EU) No 1093/2010.
Člen 100
In accordance with Article 10 of Regulation (EU) No 1093/2010, EBA shall review and, if appropriate, update the regulatory technical standards on a regular basis in order, inter alia, to take account of innovation and technological developments.
Pristojni organi
CHAPTER 6
Države članice imenujejo pristojne organe za zagotavljanje in spremljanje dejanskega izpolnjevanja določb te direktive.
ADR procedures for the settlement of disputes
Navedeni pristojni organi sprejmejo vse ustrezne ukrepe za zagotavljanje takšnega izpolnjevanja.
Complaint procedures
Ti organi so bodisi:
Article 99
pristojni organi v smislu člena 4(2) Uredbe (EU) št. 1093/2010; ali
Complaints
organi, ki jih priznavajo nacionalna zakonodaja ali javni organi, ki so v skladu z nacionalno zakonodajo izrecno pooblaščeni za to.
Member States shall ensure that procedures are set up which allow payment service users and other interested parties including consumer associations, to submit complaints to the competent authorities with regard to payment service providers’ alleged infringements of this Directive.
Ti organi niso ponudniki plačilnih storitev, razen nacionalnih centralnih bank.
Where appropriate and without prejudice to the right to bring proceedings before a court in accordance with national procedural law, the reply from the competent authorities shall inform the complainant of the existence of the ADR procedures set up in accordance with Article 102.
Organi iz odstavka 1 imajo vsa potrebna pooblastila ter ustrezna sredstva za opravljanje svojih nalog.
Article 100
Kadar je za zagotavljanje in spremljanje dejanskega izpolnjevanja določb te direktive pristojnih več organov, države članice zagotovijo, da ti organi tesno sodelujejo in učinkovito opravljajo svoje naloge.
Member States shall designate competent authorities to ensure and monitor effective compliance with this Directive.
neposredno v okviru lastne odgovornosti ali pod nadzorom sodnih organov; ali
Those competent authorities shall take all appropriate measures to ensure such compliance.
na podlagi zahtevka, naslovljenega na sodišča, ki so pristojna za izdajo potrebne odločbe, po potrebi tudi s pravnim sredstvom, če zahtevku za izdajo potrebne odločbe ni bilo ugodeno.
They shall be either:
V primeru kršitev ali domnevnih kršitev določb nacionalnega prava, ki prenašajo naslova III in IV, so pristojni organi iz odstavka 1 tega člena tisti iz matične države članice ponudnika plačilnih storitev, razen za zastopnike in podružnice, ustanovljene v skladu s pravico do ustanavljanja, za katere so pristojni organi države članice gostiteljice.
competent authorities within the meaning of Article 4(2) of Regulation (EU) No 1093/2010; or
Države članice obvestijo Komisijo o imenovanih pristojnih organih iz odstavka 1 čim prej, v vsakem primeru pa do 13. januarja 2018 Komisijo obvestijo o morebitni delitvi nalog med temi organi.
bodies recognised by national law or by public authorities expressly empowered for that purpose by national law.
O vsaki naknadni spremembi v zvezi z imenovanjem in pristojnostmi navedenih organov takoj obvestijo Komisijo.
They shall not be payment service providers, with the exception of national central banks.
EBA po posvetovanju z ECB izda smernice za pristojne organe v skladu s členom 16 Uredbe (EU) št. 1093/2010 o pritožbenih postopkih, ki jih je treba upoštevati, da se zagotovi skladnost z odstavkom 1 tega člena.
The authorities referred to in paragraph 1 shall possess all powers and adequate resources necessary for the performance of their duties.
Navedene smernice se izdajo do 13. januarja 2018 in se redno posodabljajo, kadar je potrebno.
Where more than one competent authority is empowered to ensure and monitor effective compliance with this Directive, Member States shall ensure that those authorities collaborate closely so that they can discharge their respective duties effectively.
Postopki ARS in kazni
The competent authorities shall exercise their powers in accordance with national law either:
Člen 101
directly under their own authority or under the supervision of the judicial authorities; or
Reševanje sporov
by application to courts which are competent to grant the necessary decision, including, where appropriate, by appeal, if the application to grant the necessary decision is not successful.
Države članice zagotovijo, da ponudniki plačilnih storitev vzpostavijo in uporabljajo ustrezne in učinkovite postopke za reševanje pritožb za obravnavanje pritožb uporabnikov plačilnih storitev v zvezi s pravicami in obveznostmi, ki izhajajo iz naslovov III in IV te direktive in spremljajo izpolnjevanje te zahteve.
In the event of infringement or suspected infringement of the provisions of national law transposing Titles III and IV, the competent authorities referred to in paragraph 1 of this Article shall be those of the home Member State of the payment service provider, except for agents and branches conducted under the right of establishment where the competent authorities shall be those of the host Member State.
Ti postopki se uporabljajo v vsaki državi članici, v kateri ponudnik plačilnih storitev ponuja plačilne storitve, in so razpoložljivi v uradnem jeziku ali v enem od uradnih jezikov zadevne države članice ali v drugem jeziku, če se o tem dogovorita ponudnik in uporabnik plačilnih storitev.
Member States shall notify the Commission of the designated competent authorities referred to in paragraph 1 as soon as possible and in any event by 13 January 2018.
Države članice od ponudnika plačilnih storitev zahtevajo, naj si čim bolj prizadeva, da bi na papirju ali, če se o tem dogovorita ponudnik in uporabnik plačilnih storitev, na drugem trajnem nosilcu podatkov odgovoril na pritožbe uporabnika plačilnih storitev.
They shall inform the Commission of any division of duties of those authorities.
Tak odgovor obravnava vse zadeve v ustreznem času, najpozneje pa v 15 delovnih dneh od prejema pritožbe.
They shall immediately notify the Commission of any subsequent change concerning the designation and respective competences of those authorities.
V izjemnih primerih, če odgovora ni mogoče zagotoviti v 15 delovnih dneh iz razlogov, na katere ponudnik plačilnih storitev ne more vplivati, mora ta poslati začasni odgovor, v katerem jasno navede razloge za zamudo pri odgovoru na pritožbo in določi rok, v katerem bo uporabnik plačilnih storitev prejel končni odgovor.
EBA shall, after consulting the ECB, issue guidelines, addressed to the competent authorities, in accordance with Article 16 of Regulation (EU) No 1093/2010 on the complaints procedures to be taken into consideration to ensure compliance with paragraph 1 of this Article.
Rok za prejem končnega odgovora v nobenem primeru ne sme biti daljši od 35 delovnih dni.
Those guidelines shall be issued by 13 January 2018 and shall be updated on a regular basis, as appropriate.
Države članice lahko uvedejo ali ohranijo pravila o postopkih za reševanje sporov, ki so ugodnejša za uporabnika plačilnih storitev kot pravilo iz prvega pododstavka.
ADR procedures and penalties
Kadar jih uvedejo, se uporabljajo ta pravila.
Article 101
Ponudnik plačilnih storitev obvesti uporabnika plačilnih storitev o vsaj enem subjektu ARS, ki je pristojen za obravnavo sporov v zvezi s pravicami in obveznostmi, ki izhajajo iz naslovov III in IV.
Dispute resolution
Informacije iz odstavka 3 morajo biti jasne, razumljive in zlahka dostopne na spletnem mestu ponudnika plačilnih storitev, če ta obstaja, v podružnici, ter navedene v splošnih pogojih pogodbe, sklenjene med ponudnikom in uporabnikom plačilnih storitev.
Member States shall ensure that payment service providers put in place and apply adequate and effective complaint resolution procedures for the settlement of complaints of payment service users concerning the rights and obligations arising under Titles III and IV of this Directive and shall monitor their performance in that regard.
V njih mora biti navedeno, kako je mogoče dobiti več informacij o zadevnem subjektu ARS in pogojih za uporabo subjekta.
Those procedures shall be applied in every Member State where the payment service provider offers the payment services and shall be available in an official language of the relevant Member State or in another language if agreed between the payment service provider and the payment service user.
Člen 102
Member States shall require that payment service providers make every possible effort to reply, on paper or, if agreed between payment service provider and payment service user, on another durable medium, to the payment service users’ complaints.
Postopki ARS
Such a reply shall address all points raised, within an adequate timeframe and at the latest within 15 business days of receipt of the complaint.
Države članice zagotovijo, da se v skladu z zadevno nacionalno zakonodajo in zakonodajo Unije v skladu z Direktivo 2013/11/EU Evropskega parlamenta in Sveta [36] in ob uporabi obstoječih pristojnih organov, kadar je primerno, vzpostavijo ustrezni, neodvisni, nepristranski, pregledni in učinkoviti postopki ARS med uporabniki in ponudniki plačilnih storitev v zvezi s pravicami in obveznostmi, ki izhajajo iz naslovov III in IV te direktive.
In exceptional situations, if the answer cannot be given within 15 business days for reasons beyond the control of the payment service provider, it shall be required to send a holding reply, clearly indicating the reasons for a delay in answering to the complaint and specifying the deadline by which the payment service user will receive the final reply.
Države članice zagotovijo, da se taki postopki uporabljajo za ponudnike plačilnih storitev in da zajemajo tudi dejavnosti imenovanih zastopnikov.
In any event, the deadline for receiving the final reply shall not exceed 35 business days.
Države članice zahtevajo, da organi iz odstavka 1 tega člena učinkovito sodelujejo pri reševanju čezmejnih sporov v zvezi s pravicami in obveznostmi, ki izhajajo iz naslovov III in IV.
Member States may introduce or maintain rules on dispute resolution procedures that are more advantageous to the payment service user than that referred to in the first subparagraph.
Člen 103
Where they do so, those rules shall apply.
Kazni
The payment service provider shall inform the payment service user about at least one ADR entity which is competent to deal with disputes concerning the rights and obligations arising under Titles III and IV.
Države članice določijo pravila o kaznih, ki se uporabljajo za kršitve nacionalne zakonodaje, s katero se prenaša ta direktiva, in sprejmejo vse potrebne ukrepe, da zagotovijo njihovo izvajanje.
The information referred to in paragraph 3 shall be mentioned in a clear, comprehensive and easily accessible way on the website of the payment service provider, where one exists, at the branch, and in the general terms and conditions of the contract between the payment service provider and the payment service user.
Takšne kazni so učinkovite, sorazmerne in odvračilne.
It shall specify how further information on the ADR entity concerned and on the conditions for using it can be accessed.
Države članice določijo, da lahko pristojni organ javnosti razkrije vse upravne kazni, ki bodo uvedene zaradi kršenja ukrepov, sprejetih zaradi prenosa te direktive, razen če bi tako razkritje resno ogrozilo finančne trge ali vpletenim stranem povzročilo nesorazmerno škodo.
Article 102
NASLOV V
ADR procedures
DELEGIRANI AKTI IN REGULATIVNI TEHNIČNI STANDARDI
Member States shall ensure that adequate, independent, impartial, transparent and effective ADR procedures for the settlement of disputes between payment service users and payment service providers concerning the rights and obligations arising under Titles III and IV of this Directive are established according to the relevant national and Union law in accordance with Directive 2013/11/EU of the European Parliament and the Council [35], using existing competent bodies where appropriate.
Člen 104
Member States shall ensure that ADR procedures are applicable to payment service providers and that they also cover the activities of appointed representatives.
Delegirani akti
Member States shall require the bodies referred to in paragraph 1 of this Article to cooperate effectively for the resolution of cross-border disputes concerning the rights and obligations arising under Titles III and IV.
Na Komisijo se prenese pooblastilo za sprejemanje delegiranih aktov v skladu s členom 105 v zvezi s:
Article 103
prilagoditvijo sklica na Priporočilo 2003/361/ES v točki 36 člena 4 te direktive, kadar se to priporočilo spremeni;
Penalties
posodobitvijo zneskov iz člena 32(1) in člena 74(1), da se upošteva inflacija.
Member States shall lay down rules on penalties applicable to infringements of the national law transposing this Directive and shall take all necessary measures to ensure that they are implemented.
Člen 105
Such penalties shall be effective, proportionate and dissuasive.
Izvajanje pooblastila
Member States shall allow their competent authorities to disclose to the public any administrative penalty that is imposed for infringement of the measures adopted in the transposition of this Directive, unless such disclosure would seriously jeopardise the financial markets or cause disproportionate damage to the parties involved.
Pooblastilo za sprejemanje delegiranih aktov je preneseno na Komisijo pod pogoji, določenimi v tem členu.
TITLE V
Pooblastilo za sprejemanje delegiranih aktov iz člena 104 se prenese na Komisijo za nedoločen čas od 12. januarja 2016.
DELEGATED ACTS AND REGULATORY TECHNICAL STANDARDS
Prenos pooblastila iz člena 104 lahko kadar koli prekliče Evropski parlament ali Svet.
Article 104
S sklepom o preklicu preneha veljati prenos pooblastila iz navedenega sklepa.
Delegated acts
Sklep začne učinkovati dan po njegovi objavi v Uradnem listu Evropske unije ali na poznejši dan, ki je določen v navedenem sklepu.
The Commission shall be empowered to adopt delegated acts in accordance with Article 105 concerning:
Sklep ne vpliva na veljavnost že veljavnih delegiranih aktov.
adapting the reference to Recommendation 2003/361/EC in point (36) of Article 4 of this Directive where that Recommendation is amended;
Komisija takoj po sprejetju delegiranega akta o njem istočasno uradno obvesti Evropski parlament in Svet.
updating the amounts specified in Article 32(1) and Article 74(1) to take account of inflation.
Delegirani akt, sprejet na podlagi člena 104, začne veljati le, če mu niti Evropski parlament niti Svet ne nasprotuje v roku treh mesecev od uradnega obvestila Evropskemu parlamentu in Svetu o tem aktu, ali če pred iztekom tega roka tako Evropski parlament kot Svet obvestita Komisijo, da mu ne bosta nasprotovala.
Article 105
Ta rok se na pobudo Evropskega parlamenta ali Sveta podaljša za tri mesece.
Exercise of the delegation
Člen 106
The power to adopt delegated acts is conferred on the Commission subject to the conditions laid down in this Article.
Obveznost obveščanja potrošnikov o njihovih pravicah