natgillin/translations-raw huggingface dataset:
Directive 2007/64/EC excludes from its scope certain payment transactions by means of telecom or information technology devices where the network operator not only acts as an intermediary for the delivery of digital goods and services through the device in question, but also adds value to those goods or services.
Med temi storitvami so razvedrilo, kot sta klepet in nalaganje, na primer video vsebin, glasbe in igric, informacije, kot denimo o vremenu, novicah, športnih novostih in delnicah, storitve telefonskih informacij, sodelovanje v televizijskih in radijskih programih, kot so glasovanje, prijave za tekmovanja in posredovanje povratnih informacij v živo.
In particular, that exclusion allows for so-called operator billing or direct to phone-bill purchases which, starting with ringtones and premium SMS services, contribute to the development of new business models based on the low-value sale of digital content and voice-based services.
Iz povratnih informacij s trga ni razbrati nobenih dokazov o tem, da so se takšne plačilne transakcije, ki so za potrošnike priročne pri plačilu majhnih vrednosti, razvile v splošno posredniško plačilno storitev.
Those services include entertainment, such as chat, downloads such as video, music and games, information such as on weather, news, sports updates, stocks and directory enquiries, TV and radio participation such as voting, competition entry, and provision of live feedback.
Vendar se to pravilo zaradi dvoumne ubeseditve sedanjega izvzetja v državah članicah različno izvaja, kar je pripeljalo do pomanjkanja pravne varnosti za operaterje in potrošnike ter občasno omogoča, da se upravičenost do neomejenega izvzetja iz področja uporabe Direktive 2007/64/ES zahteva tudi za druge posredniške plačilne storitve.
Feedback from the market shows no evidence that such payment transactions, trusted by consumers as convenient for low-threshold payments, have developed into a general payment intermediation service.
Zato je torej primerno natančneje pojasniti in zožiti področje uporabe navedenega izvzetja za take ponudnike storitev, tako da se naštejejo vrste plačilnih transakcij, za katere bi se moralo uporabljati izvzetje.
However, due to the ambiguous wording of the relevant exclusion, it has been implemented differently across Member States, leading to a lack of legal certainty for operators and consumers and occasionally allowing payment intermediation services to claim eligibility for an unlimited exclusion from the scope of Directive 2007/64/EC.
Izvzetje za nekatere plačilne transakcije prek telekomunikacijskih naprav ali naprav informacijske tehnologije bi moralo biti izrecno namenjeno mikroplačilom za digitalne vsebine in glasovne storitve.
It is therefore appropriate to clarify and narrow the scope of eligibility for that exclusion for such service providers by specifying the types of payment transactions to which it applies.
Uvesti bi bilo treba jasno sklicevanje na plačilne transakcije za nakup elektronskih kart, da bi upoštevali razvoj na področju plačil, zlasti tistih, pri katerih lahko potrošniki naročijo, plačajo, pridobijo in potrdijo elektronske karte s katere koli lokacije in ob katerem koli času z uporabo mobilnega telefona ali drugih naprav.
The exclusion relating to certain payment transactions by means of telecom or information technology devices should focus specifically on micro-payments for digital content and voice-based services.
Elektronske karte omogočajo lažje zagotavljanje storitev, ki bi jih lahko potrošniki sicer kupili v obliki papirnatih kart, in zajemajo prevoz, zabavo, parkirišča in vstop na prizorišča, ne zajemajo pa fizičnega blaga.
A clear reference to payment transactions for the purchase of electronic tickets should be introduced to take into account the development in payments where, in particular, customers can order, pay for, obtain and validate electronic tickets from any location and at any time using mobile phones or other devices.
To omogoča zmanjšanje proizvodnih in distribucijskih stroškov, povezanih s tradicionalnimi kanali prodaje papirnatih kart, in prinaša večje ugodnosti potrošnikom, ki so jim na voljo novi in enostavni načini za nakup kart.
Electronic tickets allow and facilitate the delivery of services that consumers could otherwise purchase in paper ticket form and include transport, entertainment, car parking, and entry to venues, but exclude physical goods.
Zaradi razbremenitve subjektov, ki zbirajo dobrodelne prispevke, bi bilo treba izvzeti tudi plačilne transakcije v zvezi s takšnimi dobrodelnimi prispevki.
They thus reduce the production and distribution costs connected with traditional paper-based ticketing channels and increase customer convenience by providing new and simple ways to purchase tickets.
Države članice bi lahko v skladu z nacionalnim pravom izvzetje omejile le na prispevke, ki se zbirajo za registrirane dobrodelne organizacije.
In order to ease the burden on entities that collect charitable donations, payment transactions in relation to such donations should also be excluded.
Izvzetje bi se moralo na splošno uporabljati le kadar je vrednost plačilne transakcije pod določenim pragom, da bi izvzetje jasno omejili na plačila z manjšim tveganjem.
Member States should, in accordance with national law, be free to limit the exclusion to donations collected in favour of registered charitable organisations.
Enotno območje plačil v eurih (SEPA) je na ravni Unije omogočilo vzpostavitev centralnih enot za plačilne storitve in centralnih enot za dohodna plačila, kjer so centralizirane vse plačilne transakcije iste skupine.
The exclusion as a whole should apply only where the value of payment transactions is below a specified threshold in order to limit it clearly to payments with a low risk profile.
Glede na to je primerno določiti, naj bodo plačilne transakcije med nadrejeno družbo in njeno podrejeno družbo ali med podrejenimi družbami iste nadrejene družbe, ki jih opravlja ponudnik plačilnih storitev, ki pripada isti skupini, izvzete iz področja uporabe te direktive.
The Single Euro Payments Area (SEPA) has facilitated the creation of Union wide -‘payment factories’ and ‘collection factories’, allowing for the centralisation of payment transactions of the same group.
Zbiranje plačilnih nalogov v imenu skupine s strani nadrejene družbe ali njene podrejene družbe za nadaljnji prenos na ponudnika plačilnih storitev ne velja za plačilno storitev za namene te direktive.
In that respect payment transactions between a parent undertaking and its subsidiary or between subsidiaries of the same parent undertaking provided by a payment service provider belonging to the same group should be excluded from the scope of this Directive.
V Direktivi 2007/64/ES so iz področja njene uporabe izvzete plačilne storitve, ki jih nudijo ponudniki storitev na bankomatih, ki so neodvisni od ponudnikov plačilnih storitev, ki vodijo račune.
The collection of payment orders on behalf of a group by a parent undertaking or its subsidiary for onward transmission to a payment service provider should not be considered to be a payment service for the purposes of this Directive.
Zaradi tega izvzetja se je v številnih državah članicah povečala rast števila storitev na neodvisnih bankomatih, zlasti na manj naseljenih območjih.
Directive 2007/64/EC excludes from its scope payment services offered by deployers of automated teller machines (ATMs) independent from account servicing payment service providers.
A popolno izvzetje tega hitro rastočega dela trga bankomatov iz področja uporabe te direktive bi lahko vplivalo na jasnost glede provizij za dviganje gotovine.
That exclusion has stimulated the growth of independent ATM services in many Member States, in particular in less populated areas.
Pri čezmejnih primerih bi to lahko povzročilo dvojno zaračunavanje provizij za isti dvig, ki jo zaračuna tako ponudnik plačilnih storitev, ki vodi račun, kot ponudnik storitev na bankomatih.
Excluding that fast-growing part of the ATM market from the scope of this Directive completely could, however, lead to confusion about withdrawal charges.
Da bi bilo torej še naprej mogoče zagotavljati storitve na bankomatih ter obenem omogočiti jasnost glede provizij za dvig gotovine, je primerno ohraniti izvzetje, od operaterjev bankomatov pa zahtevati, naj upoštevajo posebne določbe o preglednosti iz te direktive.
In cross-border situations, this could lead to double charging for the same withdrawal by the account servicing payment service provider and by the ATM deployer.
Poleg tega provizije, ki jih zaračunavajo operaterji bankomatov, ne bi smele posegati v Uredbo (ES) št. 924/2009.
Consequently, in order to maintain the provision of ATM services while ensuring clarity with regard to withdrawal charges, it is appropriate to maintain the exclusion but to require ATM operators to comply with specific transparency provisions of this Directive.
Ponudniki storitev, ki so želeli izkoristiti izvzetje iz področja uporabe Direktive 2007/64/ES, se o tem, ali so njihove dejavnosti zajete v področje uporabe navedene direktive ali ne, pogosto niso posvetovali z organi, ampak so se zanašali na lastno presojo.
Moreover, charges applied by ATM operators should be without prejudice to Regulation (EC) No 924/2009.
To je bil vzrok za različno uporabo nekaterih izvzetij v državah članicah.
Service providers seeking to benefit from an exclusion from the scope of Directive 2007/64/EC often have not consulted authorities on whether their activities are covered by, or excluded from, that Directive, but have relied on their own assessments.
Zdi se tudi, da so ponudniki plačilnih storitev nekatera izvzetja morda uporabili za spremembo svojih poslovnih modelov, da plačilne storitve, ki jih ponujajo, ne bi spadale v področje uporabe navedene direktive.
This has led to a differing application of certain exclusions across Member States.
To bi lahko privedlo do povečanih tveganj za uporabnike plačilnih storitev in različnih pogojev za ponudnike plačilnih storitev na notranjem trgu.
It also appears that some exclusions may have been used by payment service providers to redesign business models so that the payment activities offered would be outside the scope of that Directive.
Zato bi morali biti ponudniki storitev dolžni priglasiti zadevne dejavnosti pristojnim organom, da bi pristojni organi lahko ocenili, ali so izpolnjene zahteve iz ustreznih določb, in da bi zagotovili enotno razlago pravil na celotnem notranjem trgu.
This may result in increased risks for payment service users and diverging conditions for payment service providers in the internal market.
Postopek priglasitve bi moral biti predviden zlasti za vsa izvzetja, ki temeljijo na upoštevanju praga, da bi zagotovili izpolnjevanje posebnih zahtev.
Service providers should therefore be obliged to notify relevant activities to competent authorities so that the competent authorities can assess whether the requirements set out in the relevant provisions are fulfilled and to ensure a homogenous interpretation of the rules throughout the internal market.
Poleg tega je pomembno vključiti zahtevo, da morajo potencialni ponudniki plačilnih storitev pristojnim organom priglasiti dejavnosti, ki jih opravljajo v okviru omejene mreže na podlagi meril iz te direktive, če je vrednost plačilnih transakcij nad določenim pragom.
In particular, for all exclusions based on the respect of a threshold, a notification procedure should be provided in order to ensure compliance with the specific requirements.
Pristojni organi bi morali oceniti, ali se lahko priglašene dejavnosti štejejo za dejavnosti, zagotovljene v okviru omejene mreže.
Moreover, it is important to include a requirement for potential payment service providers to notify competent authorities of the activities that they provide in the framework of a limited network on the basis of the criteria set out in this Directive if the value of payment transactions exceeds a certain threshold.
Opredelitev plačilnih storitev bi morala biti tehnološko nevtralna in bi morala omogočati razvoj novih vrst plačilnih storitev, hkrati pa zagotavljati enake pogoje poslovanja tako za obstoječe kot nove ponudnike plačilnih storitev.
Competent authorities should assess whether the activities so notified can be considered to be activities provided in the framework of a limited network.
Ta direktiva bi morala uporabiti pristop iz Direktive 2007/64/ES, ki zajema vse vrste elektronskih plačilnih storitev.
The definition of payment services should be technologically neutral and should allow for the development of new types of payment services, while ensuring equivalent operating conditions for both existing and new payment service providers.
Zato ne bi bilo primerno, da bi se nova pravila uporabljala za storitve, pri katerih se prenos sredstev od plačnika na prejemnika plačila ali njihov prevoz izvrši samo v bankovcih in kovancih ali pri katerih prenos temelji na papirnih čekih, papirnih menicah, zadolžnicah ali drugih instrumentih, papirnih potrdilih ali karticah, ki so izdani na ponudnika plačilnih storitev ali drugo stranko, da bi se sredstva dala na razpolago prejemniku plačila.
This Directive should follow the approach taken in Directive 2007/64/EC, which covers all types of electronic payment services.
Ta direktiva se ne bi smela uporabljati za gotovinske plačilne transakcije, ker enotni trg za gotovinska plačila že obstaja.
It would therefore not be appropriate for the new rules to apply to services where the transfer of funds from the payer to the payee or their transport is executed solely in bank notes and coins or where the transfer is based on a paper cheque, paper-based bill of exchange, promissory note or other instrument, paper-based vouchers or cards drawn upon a payment service provider or other party with a view to placing funds at the disposal of the payee.
Ta direktiva se tudi ne bi smela uporabljati za plačilne transakcije, ki temeljijo na papirnih čekih, saj jih zaradi njihove narave ni mogoče obdelovati tako učinkovito kot druga plačilna sredstva.
This Directive should not apply to payment transactions made in cash since a single payments market for cash already exists.
Dobra praksa na navedenem področju pa bi morala kljub temu temeljiti na načelih, določenih v tej direktivi.
Nor should this Directive apply to payment transactions based on paper cheques since, by their nature, paper cheques cannot be processed as efficiently as other means of payment.
Navesti je treba kategorije ponudnikov plačilnih storitev, ki lahko zakonito opravljajo plačilne storitve po vsej Uniji, in sicer kreditne institucije, ki od uporabnikov sprejemajo vloge, ki se lahko uporabijo za financiranje plačilnih transakcij, in za katere bi morale še naprej izpolnjevati zahteve skrbnega in varnega poslovanja iz Direktive 2013/36/EU Evropskega parlamenta in Sveta [10], institucije za izdajo elektronskega denarja, ki se lahko uporabi za financiranje plačilnih transakcij, ki bi morale še naprej izpolnjevati zahteve skrbnega in varnega poslovanja iz Direktive 2009/110/ES, plačilne institucije in poštne institucije za opravljanje storitev brezgotovinskega poslovanja, ki opravljajo te storitve na podlagi nacionalne zakonodaje.
Good practice in that area should, however, be based on the principles set out in this Directive.
Uporabo navedenega pravnega okvira bi bilo treba omejiti na ponudnike storitev, ki opravljajo plačilnih storitev kot redno poslovno dejavnost v skladu s to direktivo.
It is necessary to specify the categories of payment service providers which may legitimately provide payment services throughout the Union, namely, credit institutions which take deposits from users that can be used to fund payment transactions and which should continue to be subject to the prudential requirements laid down in Directive 2013/36/EU of the European Parliament and of the Council [10], electronic money institutions which issue electronic money that can be used to fund payment transactions and which should continue to be subject to the prudential requirements laid down in Directive 2009/110/EC, payment institutions and post office giro institutions which are so entitled under national law.
Ta direktiva določa pravila za izvrševanje plačilnih transakcij, pri katerih so sredstva v obliki elektronskega denarja, kot je opredeljeno v Direktivi 2009/110/ES.
The application of that legal framework should be confined to service providers who provide payment services as a regular occupation or business activity in accordance with this Directive.
Ta direktiva ne ureja izdajanja elektronskega denarja kot je določeno v Direktivi 2009/110/ES.
This Directive lays down rules on the execution of payment transactions where the funds are electronic money as defined in Directive 2009/110/EC.
Zato plačilne institucije ne bi smele izdajati elektronskega denarja.
This Directive does not, however, regulate the issuance of electronic money as provided for in Directive 2009/110/EC.
Z Direktivo 2007/64/ES je bil uveden nadzorni režim, in sicer z uvedbo enotnega dovoljenja za vse ponudnike plačilnih storitev, ki niso povezani s sprejemanjem vlog ali izdajanjem elektronskega denarja.
Therefore, payment institutions should not be allowed to issue electronic money.
Zato je bila v Direktivo 2007/64/ES vključena nova kategorija ponudnikov plačilnih storitev, in sicer „plačilne institucije“, za katero je bilo predpisano izdajanje dovoljenj pravnim osebam zunaj obstoječih kategorij za opravljanje plačilnih storitev po vsej Uniji ob upoštevanju vrste strogih in obsežnih pogojev.
Directive 2007/64/EC established a prudential regime, introducing a single licence for all providers of payment services which are not connected to taking deposits or issuing electronic money.
Zato bi se morali za tovrstne storitve uporabljati enaki pogoji po vsej Uniji.
To that end, Directive 2007/64/EC introduced a new category of payment service providers, namely ‘payment institutions’, by providing for the authorisation, subject to a set of strict and comprehensive conditions, of legal persons outside the existing categories to provide payment services throughout the Union.
Od sprejetja Direktive 2007/64/ES so se pojavile nove vrste plačilnih storitev, zlasti na področju spletnih plačil.
Thus, the same conditions should apply Union wide to such services.
Napredovale so zlasti storitve odreditve plačil na področju e-trgovanja.
Since the adoption of Directive 2007/64/EC new types of payment services have emerged, especially in the area of internet payments.
Te plačilne storitve omogočajo plačevanje v okviru e-trgovanja z vzpostavitvijo programske povezave med spletnim mestom trgovca in spletno bančno platformo plačnikovega ponudnika plačilnih storitev, ki vodi račune, za odrejanje spletnih plačil na podlagi kreditnih plačil.
In particular, payment initiation services in the field of e-commerce have evolved.
Poleg tega se je s tehnološkim razvojem v zadnjih letih pojavila tudi vrsta dopolnilnih storitev, kot so storitve zagotavljanja informacij o računih.
Those payment services play a part in e-commerce payments by establishing a software bridge between the website of the merchant and the online banking platform of the payer’s account servicing payment service provider in order to initiate internet payments on the basis of a credit transfer.
S temi storitvami se uporabniku plačilnih storitev zagotavljajo spletne informacije v zbirni obliki o enem ali več plačilnih računih, ki jih ima pri enem ali več drugih ponudnikih plačilnih storitev in ki so dostopne prek spletnih vmesnikov ponudnika plačilnih storitev, ki vodi račune.
Moreover, technological developments have given rise to the emergence of a range of complementary services in recent years, such as account information services.
S tem je uporabniku plačilnih storitev omogočeno, da ima v danem trenutku takoj celovit pregled nad svojim finančnim položajem.
Those services provide the payment service user with aggregated online information on one or more payment accounts held with one or more other payment service providers and accessed via online interfaces of the account servicing payment service provider.
Tudi te storitve bi morale biti zajete v tej direktivi, da bi bili potrošnikom zagotovljeni ustrezna zaščita njihovih podatkov o plačilu in o računu ter pravna varnost glede statusa ponudnikov storitve zagotavljanja informacij o računih.
The payment service user is thus able to have an overall view of its financial situation immediately at any given moment.
Na podlagi storitve odreditve plačil lahko ponudnik storitev odreditve plačil prejemniku plačila jamči, da je bilo plačilo odrejeno z namenom spodbuditi prejemnika plačila, da nemudoma sprosti blago ali opravi storitev.
Those services should also be covered by this Directive in order to provide consumers with adequate protection for their payment and account data as well as legal certainty about the status of account information service providers.
Take storitve trgovcem in potrošnikom nudijo poceni rešitve ter zagotavljajo možnost spletnega nakupovanja tudi potrošnikom brez plačilnih kartic.
Payment initiation services enable the payment initiation service provider to provide comfort to a payee that the payment has been initiated in order to provide an incentive to the payee to release the goods or to deliver the service without undue delay.
Ker za storitve odreditve plačil Direktiva 2007/64/ES trenutno ne velja, ni nujno, da jih nadzira pristojni organ in da so v skladu z zahtevami iz Direktive 2007/64/ES.
Such services offer a low-cost solution for both merchants and consumers and provide consumers with a possibility to shop online even if they do not possess payment cards.
To sproža vrsto pravnih vprašanj s področij varstva potrošnikov, varnosti in odgovornosti ter konkurence in varstva podatkov, zlasti kar zadeva varstvo podatkov uporabnikov plačilnih storitev v skladu s pravili Unije o varstvu podatkov.
Since payment initiation services are currently not subject to Directive 2007/64/EC, they are not necessarily supervised by a competent authority and are not required to comply with Directive 2007/64/EC.
Zato bi se morali z novimi pravili odzvati na ta vprašanja.
This raises a series of legal issues, such as consumer protection, security and liability as well as competition and data protection issues, in particular regarding protection of the payment service users’ data in accordance with Union data protection rules.
Osebni varnostni elementi, ki jih za varno avtentikacijo strank uporablja uporabnik plačilnih storitev ali ponudnik storitev odreditve plačil, so običajno elementi, ki jih izdajo ponudniki plačilnih storitev, ki vodijo račune.
The new rules should therefore respond to those issues.
Ni nujno, da ponudniki storitev odreditve plačil sklenejo pogodbeno razmerje s ponudniki plačilnih storitev, ki vodijo račune.
The personalised security credentials used for secure customer authentication by the payment service user or by the payment initiation service provider are usually those issued by the account servicing payment service providers.
Ne glede na poslovni model, ki ga uporabljajo ponudniki storitev odreditve plačil, bi morali ponudniki plačilnih storitev, ki vodijo račune, ponudnikom storitev odreditve plačil omogočiti, da se lahko pri odreditvi posameznega plačila v imenu plačnika zanesejo na postopke avtentikacije, ki jih opravljajo ponudniki plačilnih storitev, ki vodijo račune.
Payment initiation service providers do not necessarily enter into a contractual relationship with the account servicing payment service providers and, regardless of the business model used by the payment initiation service providers, the account servicing payment service providers should make it possible for payment initiation service providers to rely on the authentication procedures provided by the account servicing payments service providers to initiate a specific payment on behalf of the payer.
Ponudnik storitev odreditve plačil, ki opravlja izključno storitve odreditve plačil, na nobeni stopnji plačilne verige ne razpolaga s sredstvi uporabnika.