natgillin/translations-raw huggingface dataset:
Payment service providers’ liability for non-execution, defective or late execution of payment transactions
To je za plačnika brezplačno.
Where a payment order is initiated directly by the payer, the payer’s payment service provider shall, without prejudice to Article 71, Article 88(2) and (3), and Article 93, be liable to the payer for correct execution of the payment transaction, unless it can prove to the payer and, where relevant, to the payee’s payment service provider that the payee’s payment service provider received the amount of the payment transaction in accordance with Article 83(1).
Kadar plačilni nalog odredi prejemnik plačila ali je odrejen prek njega, je ponudnik plačilnih storitev prejemnika plačila brez poseganja v člen 71, člen 88(2) in (3) ter člen 93 prejemniku plačila odgovoren za pravilno posredovanje plačilnega naloga plačnikovemu ponudniku plačilnih storitev v skladu s členom 83(3).
In that case, the payee’s payment service provider shall be liable to the payee for the correct execution of the payment transaction.
Kadar je ponudnik plačilnih storitev prejemnika plačila odgovoren v skladu s tem pododstavkom, plačnikovemu ponudniku plačilnih storitev takoj ponovno posreduje zadevni plačilni nalog.
Where the payer’s payment service provider is liable under the first subparagraph, it shall, without undue delay, refund to the payer the amount of the non-executed or defective payment transaction, and, where applicable, restore the debited payment account to the state in which it would have been had the defective payment transaction not taken place.
V primeru poznega posredovanja plačilnega naloga mora biti znesek knjižen na plačilnem računu prejemnika plačila najpozneje na dan, ko bi moral biti knjižen v primeru pravilno izvršene transakcije.
The credit value date for the payer’s payment account shall be no later than the date on which the amount was debited.
Poleg tega je ponudnik plačilnih storitev prejemnika plačila brez poseganja v člen 71, člen 88(2) in (3) ter člen 93 prejemniku plačila odgovoren za obdelavo plačilne transakcije v skladu s svojimi obveznostmi iz člena 87.
Where the payee’s payment service provider is liable under the first subparagraph, it shall immediately place the amount of the payment transaction at the payee’s disposal and, where applicable, credit the corresponding amount to the payee’s payment account.
Kadar je ponudnik plačilnih storitev prejemnika plačila odgovoren v skladu s tem pododstavkom, zagotovi, da je znesek plačilne transakcije na voljo prejemniku plačila takoj potem, ko je znesek knjižen v dobro na račun ponudnika plačilnih storitev prejemnika plačila.
The credit value date for the payee’s payment account shall be no later than the date on which the amount would have been value dated, had the transaction been correctly executed in accordance with Article 87.
Znesek mora biti na plačilnem računu prejemnika plačila knjižen najpozneje na datum, ko bi moral biti knjižen v primeru pravilno izvršene transakcije.
Where a payment transaction is executed late, the payee’s payment service provider shall ensure, upon the request of the payer’s payment service provider acting on behalf of the payer, that the credit value date for the payee’s payment account is no later than the date the amount would have been value dated had the transaction been correctly executed.
V primeru neizvršene oziroma nepravilno izvršene plačilne transakcije, za katero ponudnik plačilnih storitev prejemnika plačila v skladu s prvim in drugim pododstavkom ni odgovoren, je plačniku odgovoren plačnikov ponudnik plačilnih storitev.
In the case of a non-executed or defectively executed payment transaction where the payment order is initiated by the payer, the payer’s payment service provider shall, regardless of liability under this paragraph, on request, make immediate efforts to trace the payment transaction and notify the payer of the outcome.
Kadar je plačnikov ponudnik plačilnih storitev v tem smislu odgovoren, plačniku po potrebi in brez odlašanja povrne znesek neizvršene oziroma nepravilno izvršene plačilne transakcije in na obremenjenem plačilnem računu vzpostavi takšno stanje, kakršno bi bilo, če do nepravilne izvršitve ne bi prišlo.
This shall be free of charge for the payer.
Za plačnikovega ponudnika plačilnih storitev obveznost iz četrtega pododstavka ne velja, kadar dokaže, da je ponudnik plačilnih storitev prejemnika plačila prejel znesek plačilne transakcije, čeprav je bila izvršitev plačilne transakcije odložena.
Where a payment order is initiated by or through the payee, the payee’s payment service provider shall, without prejudice to Article 71, Article 88(2) and (3), and Article 93, be liable to the payee for correct transmission of the payment order to the payment service provider of the payer in accordance with Article 83(3).
V tem primeru ponudnik plačilnih storitev prejemnika plačila znesek knjiži na plačilnem računu prejemnika plačila najpozneje na datum, ko bi moral biti knjižen v primeru pravilno izvršene transakcije.
Where the payee’s payment service provider is liable under this subparagraph, it shall immediately re-transmit the payment order in question to the payment service provider of the payer.
V primeru neizvršene ali nepravilno izvršene plačilne transakcije, kadar plačilni nalog odredi prejemnik plačila ali je odrejen prek njega, ponudnik plačilnih storitev prejemnika plačila ne glede na odgovornost v skladu s tem odstavkom na zahtevo nemudoma ukrepa, da bi izsledil plačilno transakcijo, prejemnika plačila pa obvesti o rezultatih svojih prizadevanj.
In the case of a late transmission of the payment order, the amount shall be value dated on the payee’s payment account no later than the date the amount would have been value dated had the transaction been correctly executed.
To je brezplačno za prejemnika plačila.
In addition, the payment service provider of the payee shall, without prejudice to Article 71, Article 88(2) and (3), and Article 93, be liable to the payee for handling the payment transaction in accordance with its obligations under Article 87.
Ponudniki plačilnih storitev so poleg tega odgovorni svojim uporabnikom plačilnih storitev za vse zaračunane zneske, za katere odgovarjajo, in vse obresti, ki se zaračunajo uporabniku plačilnih storitev zaradi neizvršitve ali nepravilne, tudi pozne, izvršitve plačilne transakcije.
Where the payee’s payment service provider is liable under this subparagraph, it shall ensure that the amount of the payment transaction is at the payee’s disposal immediately after that amount is credited to the payee’s payment service provider’s account.
Člen 90
The amount shall be value dated on the payee’s payment account no later than the date the amount would have been value dated had the transaction been correctly executed.
Odgovornost za neizvršitev, nepravilno izvršitev ali pozno izvršitev plačilnih transakcij pri storitvah odreditve plačil
In the case of a non-executed or defectively executed payment transaction for which the payee’s payment service provider is not liable under the first and second subparagraphs, the payer’s payment service provider shall be liable to the payer.
Kadar plačilni nalog odredi plačnik prek ponudnika storitev odreditve plačil, ponudnik plačilnih storitev, ki vodi račun, brez poseganja v člen 71 in člen 88(2) in (3) plačniku povrne znesek neizvršene oziroma nepravilno izvršene plačilne transakcije in, kadar je ustrezno, na obremenjenem plačilnem računu vzpostavi takšno stanje, kakršno bi bilo, če nepravilno izvršena plačilna transakcija ne bi bila izvršena.
Where the payer’s payment service provider is so liable he shall, as appropriate and without undue delay, refund to the payer the amount of the non-executed or defective payment transaction and restore the debited payment account to the state in which it would have been had the defective payment transaction not taken place.
Ponudnik storitev odreditve plačil mora dokazati, da je ponudnik plačilnih storitev, ki vodi račun plačnika, prejel plačilni nalog v skladu s členom 78 in da je bila v okviru njegovih pristojnosti opravljena avtentikacija plačilne transakcije, da je bila plačilna transakcija pravilno evidentirana ter da na njeno izvršitev ni vplivala nobena tehnična okvara ali druga pomanjkljivost, povezana z neizvršitvijo, nepravilno izvršitvijo ali pozno izvršitvijo transakcije.
The obligation under the fourth subparagraph shall not apply to the payer’s payment service provider where the payer’s payment service provider proves that the payee’s payment service provider has received the amount of the payment transaction, even if execution of payment transaction is merely delayed.
Če je ponudnik storitev odreditve plačil odgovoren za neizvršitev, nepravilno izvršitev ali pozno izvršitev plačilne transakcije, ponudniku plačilnih storitev, ki vodi račun, na njegovo zahtevo nemudoma zagotovi nadomestilo za kakršno koli nastalo izgubo ali plačane zneske zaradi povračila plačniku.
If so, the payee’s payment service provider shall value date the amount on the payee’s payment account no later than the date the amount would have been value dated had it been executed correctly.
Člen 91
In the case of a non-executed or defectively executed payment transaction where the payment order is initiated by or through the payee, the payee’s payment service provider shall, regardless of liability under this paragraph, on request, make immediate efforts to trace the payment transaction and notify the payee of the outcome.
Dodatna finančna nadomestila
This shall be free of charge for the payee.
Vsa dodatna finančna nadomestila poleg tistih, ki so predvidena v tem oddelku, se lahko določijo v skladu s pravom, ki se uporablja za pogodbo, sklenjeno med uporabnikom plačilnih storitev in ponudnikom plačilnih storitev.
In addition, payment service providers shall be liable to their respective payment service users for any charges for which they are responsible, and for any interest to which the payment service user is subject as a consequence of non-execution or defective, including late, execution of the payment transaction.
Člen 92
Article 90
Regresna pravica
Liability in the case of payment initiation services for non-execution, defective or late execution of payment transactions
Kadar je odgovornost ponudnika plačilnih storitev v skladu s členoma 73 in 89 mogoče pripisati drugemu ponudniku plačilnih storitev ali posredniku, ta ponudnik plačilnih storitev oziroma posrednik prvemu ponudniku plačilnih storitev zagotovi nadomestilo za kakršno koli nastalo izgubo ali plačane zneske v skladu s členoma 73 in 89.
Where a payment order is initiated by the payer through a payment initiation service provider, the account servicing payment service provider shall, without prejudice to Article 71 and Article 88(2) and (3), refund to the payer the amount of the non- executed or defective payment transaction and, where applicable, restore the debited payment account to the state in which it would have been had the defective payment transaction not taken place.
To vključuje nadomestila, kadar kateri izmed ponudnikov plačilnih storitev ne uporablja močne avtentikacije strank.
The burden shall be on the payment initiation service provider to prove that the payment order was received by the payer’s account servicing payment service provider in accordance with Article 78 and that within its sphere of competence the payment transaction was authenticated, accurately recorded and not affected by a technical breakdown or other deficiency linked to the non-execution, defective or late execution of the transaction.
Dodatna finančna nadomestila se lahko določijo v skladu z dogovori, sklenjenimi med ponudniki plačilnih storitev in/ali posredniki, ter v skladu s pravom, ki se uporablja za dogovor, sklenjen med njimi.
If the payment initiation service provider is liable for the non-execution, defective or late execution of the payment transaction, it shall immediately compensate the account servicing payment service provider at its request for the losses incurred or sums paid as a result of the refund to the payer.
Člen 93
Article 91
Izjemne in nepredvidljive okoliščine
Additional financial compensation
Odgovornost na podlagi poglavij 2 ali 3 ne nastane v primeru izjemnih in nepredvidljivih okoliščin, na katere stranka, ki skuša uveljavljati te okoliščine, ne more vplivati, posledice takšnih okoliščin pa bi bile kljub vsem nasprotnim prizadevanjem neizogibne, ali v primerih, ko ponudnika plačilnih storitev zavezujejo druge pravne obveznosti, ki jih ureja pravo Unije ali nacionalno pravo.
Any financial compensation additional to that provided for under this Section may be determined in accordance with the law applicable to the contract concluded between the payment service user and the payment service provider.
Varstvo podatkov
Right of recourse
Države članice dovolijo obdelavo osebnih podatkov v plačilnih sistemih in pri ponudnikih plačilnih storitev, ko je to potrebno za preprečevanje, preiskavo in odkrivanje plačilnih goljufij.
Where the liability of a payment service provider under Articles 73 and 89 is attributable to another payment service provider or to an intermediary, that payment service provider or intermediary shall compensate the first payment service provider for any losses incurred or sums paid under Articles 73 and 89.
Obveščanje posameznikov o obdelavi osebnih podatkov in obdelava takšnih osebnih podatkov in kakršna koli druga obdelava osebnih podatkov za namene te direktive se izvaja v skladu z Direktivo 95/46/ES, nacionalnimi predpisi, ki prenašajo Direktivo 95/46/ES, in Uredbo (ES) št. 45/2001.
That shall include compensation where any of the payment service providers fail to use strong customer authentication.
Ponudniki plačilnih storitev dostopajo le do tistih osebnih podatkov, ki so potrebni za opravljanje njihovih plačilnih storitev, ter jih obdelujejo in hranijo z izrecnim soglasjem uporabnika plačilnih storitev.
Further financial compensation may be determined in accordance with agreements between payment service providers and/or intermediaries and the law applicable to the agreement concluded between them.
POGLAVJE 5
Article 93
Operativna in varnostna tveganja ter avtentikacija
Abnormal and unforeseeable circumstances
Člen 95
No liability shall arise under Chapter 2 or 3 in cases of abnormal and unforeseeable circumstances beyond the control of the party pleading for the application of those circumstances, the consequences of which would have been unavoidable despite all efforts to the contrary, or where a payment service provider is bound by other legal obligations covered by Union or national law.
Obvladovanje operativnih in varnostnih tveganj
Data protection
Države članice zagotovijo da ponudniki plačilnih storitev vzpostavijo okvir z ustreznimi ukrepi za zmanjšanje tveganj in nadzornimi mehanizmi za obvladovanje operativnih in varnostnih tveganj, povezanih s plačilnimi storitvami, ki jih opravljajo.
Article 94
Ponudniki plačilnih storitev kot del tega okvira vzpostavijo in vzdržujejo učinkovite postopke za obvladovanje incidentov, tudi za odkrivanje in razvrstitev večjih operativnih in varnostnih incidentov.
Member States shall permit processing of personal data by payment systems and payment service providers when necessary to safeguard the prevention, investigation and detection of payment fraud.
Države članice zagotovijo, da ponudniki plačilnih storitev pristojnemu organu enkrat letno ali v krajših časovnih presledkih, kot jih določi pristojni organ, predložijo posodobljeno in celovito oceno operativnih in varnostnih tveganj, povezanih s plačilnimi storitvami, ki jih opravljajo, ter oceno ustreznosti ukrepov za zmanjšanje tveganj in nadzornih mehanizmov, ki se izvajajo kot odziv na ta tveganja.
The provision of information to individuals about the processing of personal data and the processing of such personal data and any other processing of personal data for the purposes of this Directive shall be carried out in accordance with Directive 95/46/EC, the national rules which transpose Directive 95/46/EC and with Regulation (EC) No 45/2001.
EBA do 13. julija 2017 v tesnem sodelovanju z ECB in po posvetovanju z vsemi zadevnimi deležniki, tudi na trgu plačilnih storitev, da bi tako upošteval vse zadevne interese, pripravi smernice v skladu s členom 16 Uredbe (EU) št. 1093/2010 o vzpostavitvi, izvajanju in spremljanju varnostnih ukrepov in po potrebi vključno s postopki certificiranja.
Payment service providers shall only access, process and retain personal data necessary for the provision of their payment services, with the explicit consent of the payment service user.
EBA v tesnem sodelovanju z ECB redno pregleduje smernice iz prvega pododstavka, in sicer najmanj vsaki dve leti.
CHAPTER 5
EBA na zahtevo Komisije, če je ustrezno, pripravi osnutke regulativnih tehničnih standardov o merilih in pogojih za vzpostavljanje in spremljanje varnostnih ukrepov, pri čemer upošteva izkušnje, pridobljene pri uporabi smernic iz odstavka 3.
Operational and security risks and authentication
EBA na področju operativnih in varnostnih tveganj, povezanih s plačilnimi storitvami, spodbuja sodelovanje, tudi izmenjavo informacij, med pristojnimi organi, ECB in, kadar je ustrezno, Agencijo Evropske unije za varnost omrežij in informacij.
Management of operational and security risks
Poročila o incidentih
Member States shall ensure that payment service providers establish a framework with appropriate mitigation measures and control mechanisms to manage the operational and security risks, relating to the payment services they provide.
V primeru večjega operativnega ali varnostnega incidenta, ponudniki plačilnih storitev brez nepotrebnega odlašanja obvestijo pristojni organ v matični državi članici ponudnika plačilnih storitev.
As part of that framework, payment service providers shall establish and maintain effective incident management procedures, including for the detection and classification of major operational and security incidents.
Kadar incident vpliva ali lahko vpliva na finančne interese njegovih uporabnikov plačilnih storitev, ponudnik plačilnih storitev brez nepotrebnega odlašanja obvesti svoje uporabnike plačilnih storitev o incidentu ter o vseh razpoložljivih ukrepih, ki jih lahko sprejmejo, da bi zmanjšali negativne učinke incidenta.
Member States shall ensure that payment service providers provide to the competent authority on an annual basis, or at shorter intervals as determined by the competent authority, an updated and comprehensive assessment of the operational and security risks relating to the payment services they provide and on the adequacy of the mitigation measures and control mechanisms implemented in response to those risks.
Pristojni organ v matični državi članici po prejemu obvestila iz odstavka 1 brez nepotrebnega odlašanja sporoči EBA in ECB ustrezne podrobnosti o incidentu.
By 13 July 2017, 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, issue guidelines in accordance with Article 16 of Regulation (EU) No 1093/2010 with regard to the establishment, implementation and monitoring of the security measures, including certification processes where relevant.
Ko pristojni organ oceni pomembnost incidenta za zadevne organe te države članice, te organe ustrezno obvesti.
EBA shall, in close cooperation with the ECB, review the guidelines referred to in the first subparagraph on a regular basis and in any event at least every 2 years.
EBA in ECB v sodelovanju s pristojnim organom matične države članice ocenita pomembnost incidenta za druge zadevne organe Unije in nacionalne organe ter jih ustrezno obvestita.
Taking into account experience acquired in the application of the guidelines referred to in paragraph 3, EBA shall, where requested to do so by the Commission as appropriate, develop draft regulatory technical standards on the criteria and on the conditions for establishment, and monitoring, of security measures.
ECB obvesti člane Evropskega sistema centralnih bank o zadevah, pomembnih za plačilni sistem.
EBA shall promote cooperation, including the sharing of information, in the area of operational and security risks associated with payment services among the competent authorities, and between the competent authorities and the ECB and, where relevant, the European Union Agency for Network and Information Security.
Pristojni organi na podlagi obvestila, kadar je ustrezno, sprejmejo vse potrebne ukrepe za zagotovitev neposredne varnosti finančnega sistema.
Article 96
EBA do 13. januarja 2018 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, izda smernice v skladu s členom 16 Uredbe (EU) št. 1093/2010, ki vključujejo naslednje:
Incident reporting
za ponudnike plačilnih storitev: razvrstitev večjih incidentov iz odstavka 1 ter vsebine, načina, vključno s standardnimi predlogami za obvestitev, in postopkov obvestitve o njih in
In the case of a major operational or security incident, payment service providers shall, without undue delay, notify the competent authority in the home Member State of the payment service provider.
za pristojne organe: merila za ocenjevanje pomembnosti incidentov in podrobnosti poročil o incidentih, ki se posredujejo drugim domačim organom.
Where the incident has or may have an impact on the financial interests of its payment service users, the payment service provider shall, without undue delay, inform its payment service users of the incident and of all measures that they can take to mitigate the adverse effects of the incident.
EBA v tesnem sodelovanju z ECB redno pregleduje smernice iz odstavka 3, in sicer najmanj vsaki dve leti.
Upon receipt of the notification referred to in paragraph 1, the competent authority of the home Member State shall, without undue delay, provide the relevant details of the incident to EBA and to the ECB.
EBA pri izdajanju in pregledovanju smernic iz odstavka 3 upošteva standarde in/ali specifikacije, ki jih za sektorje, v katerih se opravljajo druge dejavnosti kot plačilne storitve, pripravi in objavi Agencija Evropske unije za varnost omrežij in informacij.
That competent authority shall, after assessing the relevance of the incident to relevant authorities of that Member State, notify them accordingly.
Države članice zagotovijo, da ponudniki plačilnih storitev pristojnim organom vsaj enkrat letno predložijo statistične podatke o goljufijah, povezanih z različnimi načini plačila.
EBA and the ECB shall, in cooperation with the competent authority of the home Member State, assess the relevance of the incident to other relevant Union and national authorities and shall notify them accordingly.
Ti pristojni organi sporočijo EBA in ECB te podatke v zbirni obliki.
The ECB shall notify the members of the European System of Central Banks on issues relevant to the payment system.
Člen 97
On the basis of that notification, the competent authorities shall, where appropriate, take all of the necessary measures to protect the immediate safety of the financial system.
Avtentikacija
By 13 January 2018, 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, issue guidelines in accordance with Article 16 of Regulation (EU) No 1093/2010 addressed to each of the following:
Države članice zagotovijo, da ponudnik plačilnih storitev opravi močno avtentikacijo stranke, kadar plačnik:
payment service providers, on the classification of major incidents referred to in paragraph 1, and on the content, the format, including standard notification templates, and the procedures for notifying such incidents;
dostopa do svojega plačilnega računa prek spleta;
competent authorities, on the criteria on how to assess the relevance of the incident and the details of the incident reports to be shared with other domestic authorities.
odredi elektronsko plačilno transakcijo;