natgillin/translations-raw huggingface dataset:
The rationale behind this request by the Eurosystem is that most of the national debit card schemes and card processors are currently efficient and have low fee levels , and that these advantages should not be lost with the creation of SEPA .
Eurosistem pri tej zahtevi izhaja iz dejstva , da večina nacionalnih shem debetnih kartic in procesnih centrov trenutno deluje učinkovito in ima nizke ravni provizij , zato teh prednosti z oblikovanjem SEPA ne bi smeli izgubiti .
A new scheme could enhance competition between card schemes , between processors and between banks .
Nova shema bi lahko okrepila konkurenco med kartičnimi shemami , med procesnimi centri in med bankami .
It could also allow for diversity in the banks » positions and roles in card scheme governance and in scheme ownership models .
Prav tako bi bankam omogočila , da imajo različne vloge in položaje pri vladanju kartičnim shemam in v lastništvu shem .
Competition among card schemes , among processors and among banks is essential to provide the widest possible choice for cardholders ( i.e. choice as to which scheme to use ) , merchants ( i.e. choice as to which ECB Single Euro Payment Area ( SEPA ) July 2007
izbira shem , ki jih izdajajo in / ali pridobivajo , in procesnega centra , ki obdeluje transakcije in zagotavlja druge kartične storitve ) . Poleg tega morajo evropske banke že zdaj razmišljati o dolgoročnih vidikih vladanja shemam ECB Enotno območje plačil v eurih ( SEPA ) julij 2007
1 S TAT U S O F , AND R E C O M M E N DAT I O N S CONCERNING , S E PA I N S T R U M E N T S AND INFRASTRUCTURES 11
1 S TA N J E N A P O D R O Č J U S E PA INSTRUMENTOV IN INFRASTRUKTURE TER ZADEVNA PRIPOROČILA
scheme to accept and which acquiring bank to select ) and banks ( i.e. choice as to which scheme to issue and / or acquire and which processor is to provide transaction processing and other card services ) . Furthermore , European banks need to consider the long-term view on governance aspects of card payment schemes and processors now , deciding how much control of their card business they would like to retain and how they see their future role in this field , which is critical from a customer-relations point of view .
kartičnih plačil in procesnim centrom ter se odločiti , koliko nadzora nad svojim kartičnim poslovanjem želijo ohraniti . Prav tako se morajo odločiti , kako vidijo svojo prihodnjo vlogo na tem področju , saj je to vprašanje bistveno s stališča odnosov s strankami .
The Eurosystem recognises that designing and implementing a European card scheme ( irrespective of whether it is a completely new scheme or the result of alliances or expansion ) is a complex matter and involves significant investment .
Eurosistem se zaveda , da je oblikovanje in implementacija evropske kartične sheme ( ne glede na to , ali gre za povsem novo shemo ali za rezultat povezav oziroma širitve ) zahtevna naloga , ki vključuje precejšnja vlaganja .
However , the Eurosystem would draw the industry 's attention to the fact that , as a result of ( i ) the separation of scheme and processing services , and ( ii ) the development of standards for card payment schemes , the cost and complexity of setting-up a new scheme should be substantially lower than it has been in the past .
Eurosistem bančni sektor vseeno opozarja , da bi morali biti zaradi ( i ) ločitve shem in storitev obdelave ter ( ii ) razvoja standardov za sheme kartičnih plačil stroški in kompleksnost vzpostavitve nove sheme precej nižji , kot so bili v preteklosti .
The Eurosystem encourages the EPC to review the option of creating a SEPA debit card scheme in addition to the SEPA credit transfer and SEPA direct debit schemes .
Eurosistem spodbuja EPC , da poleg shem SEPA kreditnih plačil in SEPA direktnih obremenitev ponovno preuči tudi možnost oblikovanja sheme SEPA debetnih kartic .
Finally , it should be recognised that the creation of an additional European debit card scheme that is equivalent to the schemes originated in the United States , Japan or China is a largely political objective , which the Eurosystem invites the banks to share .
In končno , treba je priznati , da je oblikovanje dodatne evropske sheme debetnih kartic , enakovredne shemam , ki izvirajo iz ZDA , Japonske ali Kitajske , v veliki meri politični cilj , pri katerem Eurosistem poziva banke , da se mu pridružijo .
The Eurosystem understands that some more time will be needed to set up a new panEuropean card payment scheme .
Eurosistem se zaveda , da bo za vzpostavitev nove vseevropske sheme kartičnih plačil potrebno več časa .
Therefore , the Eurosystem accepts that such a scheme does not have to be in place on 1 January 2008 ;
Zato Eurosistem sprejema dejstvo , da takšna shema ne bo vzpostavljena že 1 . januarja 2008 .
however , a signal is nonetheless expected from the European banking industry indicating its intentions to move in this direction .
Vseeno pa od evropskega bančnega sektorja pričakuje , da izrazi namero , da bo deloval v tej smeri .
The Eurosystem stance vis-à-vis co-branding Co-branding is a plausible option for card payment schemes to become SEPA-compliant by 1 January 2008 , in order to give the banking industry -- or other relevant parties -- enough time to develop a European proposal .
Stališče Eurosistema do souporabe blagovnih znamk ( co-branding ) Souporaba blagovnih znamk je smiselna rešitev za sheme kartičnih plačil , s čimer bi se do 1 . januarja 2008 uskladile z zahtevami SEPA , saj bančnemu sektorju -- in drugim subjektom -- daje dovolj časa za razvoj evropske rešitve .
The Eurosystem has never been against cobranding per se ( provided that the schemes involved are themselves all SEPA-compliant ) .
Eurosistem ni nikoli nasprotoval souporabi blagovnih znamk kot taki ( pod pogojem , da so vse sodelujoče sheme same skladne z zahtevami SEPA ) .
Co-branding is a valid option , also for the long term .
Souporaba blagovnih znamk je sprejemljiva možnost tudi na dolgi rok .
At some point , however , the whole market seemed to be considering co-branding as the one and only solution for making card payment schemes SEPA-compliant .
Vendar pa se je na določeni točki zdelo , da celoten trg vidi souporabo blagovnih znamk kot eno in edino možnost za uskladitev shem kartičnih plačil z zahtevami SEPA .
The Eurosystem had to warn that this could not be the only SEPA option .
Eurosistem opozarja , da to v pogojih SEPA ne more biti edina rešitev .
The Eurosystem has emphasised its neutrality with regard to the three options 3 presented in the SEPA Cards Framework ( SCF ) , provided that all three materialise , so as to ensure variety in the market .
Eurosistem je poudaril svojo nevtralnost glede treh možnosti3 , predstavljenih v SEPA kartičnem okviru ( SEPA Cards Framework ) , pod pogojem , da se vse tri tudi udejanijo in s tem zagotovijo pestrost na trgu .
Certainly , widespread co-branding does not correspond to the long-term SEPA vision of an integrated market , as it could simply perpetuate a situation similar to that prevailing at present .
Široka uporaba souporabe blagovnih znamk prav gotovo ne ustreza dolgoročni viziji povezanega trga , saj bi lahko preprosto podaljševala podobne razmere , kot prevladujejo zdaj .
Some market participants believe that , once all card schemes meet SEPA requirements and national markets are opened up , the result would already be quite different than the current nationally fragmented markets .
Po mnenju nekaterih tržnih udeležencev se bodo v primerjavi s sedanjimi nacionalno razdrobljenimi trgi razmere precej spremenile že s tem , ko bodo vse kartične sheme izpolnile zahteve SEPA in se bodo odprli nacionalni trgi .
The Eurosystem recognises this , but would point out that such opening-up of national markets has yet to materialise .
Eurosistem se tega zaveda , vendar obenem poudarja , da se mora takšno odpiranje nacionalnih trgov šele zgoditi .
To speed-start SEPA for cards , banks should aim to ensure that generalpurpose cards issued after 1 January 2008 are EMV + PIN-compliant .
Za hiter začetek SEPA za kartice bi morale banke sprejeti potrebne ukrepe , katerih cilj je zagotoviti , da bodo vse splošne kartice , izdane po 1 . januarju 2008 , skladne z EMV + PIN .
Banks should strive to deliver euro area-wide reach to the cardholder ( provided that the merchant accepts the brand and technical standards ) , and all general3 The SCF defines three options that a card scheme can follow in order to offer SCF-compliant products ( the options may also be combined ) : ( 1 ) replace the national scheme with an international scheme ( provided the latter is SCF-compliant ) .
SEPA kartični okvir opredeljuje tri možnosti , med katerimi lahko izbirajo kartične sheme , če želijo ponuditi produkte , skladne s kartičnim okvirom ( možnosti je mogoče tudi združevati ) : ( 1 ) zamenjava nacionalne sheme z mednarodno ( pod pogojem , da je ta skladna s SEPA kartičnim okvirom ) .
In this case , co-branding is no longer needed , as cross-border and national transactions are automatically covered by the same schemes ;
V tem primeru souporaba blagovnih znamk ni več potrebna , saj čezmejne in nacionalne transakcije samodejno pokrijejo iste sheme ;
( 2 ) evolve through alliances with other card schemes or through expansion to the entire euro area .
( 2 ) razvoj prek povezav z drugimi kartičnimi shemami ali s širitvijo na celotno euroobmočje .
In the case of card scheme alliances , the participants could agree , for example , on mutually accepted relevant brands .
Pri povezavah z drugimi kartičnimi shemami se udeleženci na primer lahko dogovorijo o blagovnih znamkah , ki jih vsi sprejemajo .
Should a scheme be expanded to cover the euro area , the cards in the scheme could be issued and acquired by banks and accepted by merchants located anywhere in the euro area ;
Če se kartična shema razširi na celotno euroobmočje , lahko kartice v shemi izdajajo ali pridobijo banke ter sprejmejo trgovci , ki se nahajajo kjer koli v euroobmočju ;
( 3 ) co-brand with an international card scheme ( as is already the case in most countries today ) , provided that both schemes in question are SCF-compliant . 12
( 3 ) souporaba blagovnih znamk oziroma co-branding z mednarodno kartično shemo ( kar je v večini držav primer že danes ) , pod pogojem , da sta obe zadevni shemi skladni s SEPA kartičnim okvirom .
purpose cards without euro area-wide reach should be phased out by the end of 2010 .
ne zagotavljajo dosega znotraj euroobmočja , pa bi morale biti odpravljene do konca leta 2010 .
Co-branding in the case of a European scheme The Eurosystem recognises the difficulties that card-issuing banks may have under an emerging European debit card scheme if they want to offer their cardholders wide geographical coverage .
Souporaba blagovnih znamk v primeru evropske sheme Eurosistem se zaveda težav , s katerimi se banke izdajateljice kartic utegnejo srečati pri nastajajoči evropski shemi debetnih kartic , če bodo imetnikom svojih kartic želele ponuditi široko geografsko pokritje .
For a new scheme to be successful , it is considered critical that the issuing banks have the possibility for co-branding the new European scheme with an international scheme .
Za uspešnost nove sheme je zato kritičnega pomena , da imajo banke izdajateljice možnost souporabe nove evropske sheme z mednarodno shemo .
It should be borne in mind that the EU Commission 's Sector Inquiry Report mentions « the prohibition on co-branding with networks which are deemed competitors and with nonbanks might limit competition ..."
Treba je upoštevati , da Evropska komisija v svojem poročilu o razmerah v bančnem sektorju ( Sector Inquiry Report ) omenja , da bi „prepoved souporabe z omrežji , ki so ocenjena kot konkurenti , in z nebankami lahko omejila konkurenco ..."
4 The Eurosystem calls upon all international schemes to adopt a cooperative stance in relation to cobranding , and to allow alternative schemes to be co-branded with their 's , thereby providing a wider reach within and beyond SEPA .
4 Eurosistem poziva vse mednarodne sheme , da zavzamejo kooperativen odnos do souporabe blagovnih znamk in alternativnim shemam omogočijo vzpostavitev souporabe z njihovimi ter tako zagotovijo širši doseg znotraj in onkraj SEPA .
At the same time , it is clear that national markets are expected to open up to competition from other schemes and processors ; this is also a prerequisite for being compliant with the SCF .
Obenem je jasno , da se od nacionalnih trgov pričakuje , da se bodo odprli konkurenci drugih shem in procesnih centrov , saj je to tudi predpogoj za njihovo uskladitev s SEPA kartičnim okvirom .
The use of national brands should therefore not be favoured by a pre-assignment priority at the POS ( point-of-sale ) terminal , but the choice of brand in a payment transaction should be left to the merchant and / or the cardholder .
Zato uporabi nacionalnih blagovnih znamk ne bi smeli dajati prednosti z vnaprej določeno izbiro na prodajnih mestih ( POS-terminalih ) , ampak bi morali izbiro blagovne znamke v plačilni transakciji prepustiti trgovcu in / ali imetniku kartice .
Interchange fees The Eurosystem 's public stance on interchange fees is neutral , as this is an issue within the field of competence of the European Commission 's DG Competition .
Medbančne provizije Javno stališče Eurosistema o medbančnih provizijah je nevtralno , saj je to vprašanje v pristojnosti generalnega direktorata za konkurenco pri Evropski komisiji .
The Eurosystem neither anticipates an abolition of interchange fees nor does it wish to enter into the defence of these arrangements .
Eurosistem ne pričakuje odprave teh provizij , hkrati pa jih tudi ne želi zagovarjati .
However , the Eurosystem calls upon the Commission to reach a decision on current interchange fee cases as soon as possible , which the market as a whole can use as starting point for formulating future-proof scheme rules , as the current uncertainty in the market is hampering the transformation of existing domestic schemes and the start of potential new schemes offering a European alternative .
Vseeno pa Eurosistem poziva Komisijo , da čimprej sprejme odločitev glede sedanjih primerov medbančnih provizij , ki jo lahko trg kot celota uporabi kot izhodišče pri oblikovanju trajnih pravil shem , saj sedanja negotovost na trgu ovira preoblikovanje obstoječih domačih shem in uvedbo morebitnih novih shem , alternativo .
The Eurosystem continues to emphasise that a geographical differentiation of interchange fees ( if any ) within a given scheme is not compatible with the SEPA concept in the long term , in which an integrated domestic euro area market should have evolved .
Eurosistem še naprej poudarja , da geografska diferenciacija medbančnih provizij ( če te obstajajo ) v okviru posamezne sheme ni združljiva s SEPA konceptom , po katerem naj bi se na dolgi rok razvil povezan domači trg euroobmočja .
However , such differentiations could be accepted during a transition period in order to facilitate change in national markets , given the differences in the underlying cost elements and market structures across the various euro area countries .
Vseeno je takšno geografsko razlikovanje provizij sprejemljivo v prehodnem obdobju , saj zaradi razlik v stroškovnih in tržnih strukturah med posameznimi državami euroobmočja pospešuje prilagajanje nacionalnih trgov .
The Eurosystem 's objective in this regard is to avoid dramatic price increases at the national level , which would stigmatise the SEPA project in the eyes of the public .
Cilj Eurosistema v tej zvezi je preprečiti dramatične podražitve na nacionalni ravni , ki bi v očeh javnosti stigmatizirale projekt SEPA .
Furthermore , from the perspective of promoting the smooth operation of payment systems and the use of socially efficient payment instruments in particular , it is important that interchange fees ( if any ) do not lead to price signals for endusers ( merchants and cardholders ) that will cause them to move away from using the more efficient payment instruments .
Poleg tega je z vidika spodbujanja tekočega delovanja plačilnih sistemov , zlasti uporabe družbeno učinkovitih plačilnih instrumentov , pomembno , da medbančne provizije ( če te obstajajo ) ne sprožijo cenovnih signalov za končne uporabnike ( trgovce in imetnike plačilnih kartic ) , ki bi povzročili odmik od uporabe učinkovitejših plačilnih instrumentov .
Standardisation work in the fields of cards The EPC has taken on a coordinating role in the definition of card standards .
Standardizacija na področju kartic EPC je prevzel koordinacijsko vlogo pri opredelitvi kartičnih standardov .
It has brought together existing standardisation initiatives and has developed business requirements in conjunction with these initiatives .
Zbral je obstoječe pobude za standardizacijo in v povezavi z njimi razvil poslovne zahteve .
These business requirements prescribe the need for interoperability , security and market access .
Te predpisujejo potrebo po interoperabilnosti , varnosti in tržnem dostopu .
As such , these card standards will greatly facilitate the development of European debit card schemes as these standards could easily be used in their own scheme rules .
Kot taki bodo ti kartični standardi bistveno olajšali razvoj evropskih shem debetnih kartic , saj bodo lahko slednje te standarde brez težav uporabile v svojih pravilih delovanja sheme .
Moreover , these standards will cater for scheme-independent card transaction and terminal standards .
Poleg tega bodo standardi omogočili , da bodo kartične transakcije in terminalski standardi neodvisni od posamezne sheme .
The Eurosystem supports the banking industry , card schemes and standard-setting bodies in their work .
Eurosistem podpira bančni sektor , kartične sheme in standardizacijske organe pri njihovih prizadevanjih na tem področju .
As some card standards are developed at the global level , it is crucial that the European banking industry is well represented in global standardisation bodies to push the SEPA requirements .
Ker so nekateri kartični standardi razviti na svetovni ravni , je kritičnega pomena , da je evropski bančni sektor dobro zastopan v svetovnih standardizacijskih organih in v njih zagovarja zahteve SEPA .
4 Communication from paragraph 21 , p. 6 . the Commission ( final report ) ,
4 Sporočilo Komisije ( končno poročilo ) , odstavek 21 , str . 6 .
1 S TAT U S O F , AND R E C O M M E N DAT I O N S CONCERNING , S E PA I N S T R U M E N T S AND INFRASTRUCTURES
1 S TA N J E N A P O D R O Č J U S E PA INSTRUMENTOV IN INFRASTRUKTURE TER ZADEVNA PRIPOROČILA
In the card-to-terminal domain , the EMV standard ( which was named after its initiators Eurocard , MasterCard and VISA , and aims at technical interoperability of the chips on the cards with POS terminals ) and its improved implementation guidelines are accepted by the entire industry .
V domeni plačilna kartica-terminal celotna panoga sprejema standard EMV ( poimenovan po njegovih pobudnikih Eurocard , MasterCard in Visa ter namenjen zagotovitvi tehnične interoperabilnosti čipov na plačilnih karticah s POS-terminali ) in izpopolnjene izvedbene smernice .
It has been complemented by the CPA standard ( i.e. Common Payment Application Specification ) , which deals with the software on the chip used to conduct a payment transaction .
Standard EMV je dopolnil standard CPA ( Common Payment Application Specification ) , ki ureja področje programske opreme na čipu za izvedbo plačilne transakcije .
A similar payment transaction standard ( FAST , which stands for Financial Application Specification for SCFCompliant EMV Terminals ) is now being developed for POS terminals .
Za plačilne transakcije na POS-terminalih je zdaj v razvoju podoben standard FAST ( Financial Application Specification for SCFCompliant EMV Terminals ) .
These three standards , EMV , CPA and FAST , jointly provide market-driven cards and card payment transaction standards , so that intervention by authorities seems unnecessary at this stage , although concerns exist about their timely availability and their subsequent implementation .
Ti trije standardi ( EMV , CPA in FAST ) skupaj zagotavljajo standarde za kartice in kartična plačila . Razvijajo se na tržno pobudo , zato se zdi , da posredovanje organov oblasti na sedanji točki ni potrebno , čeprav nekaj zaskrbljenosti povzročata vprašanji njihove pravočasne razpoložljivosti in kasnejše implementacije .
It is clear that the success of standardisation in this field requires clear definition , communication and implementation , so that local interpretation is avoided .
Jasno je , da je za uspešno standardizacijo na tem področju potrebna jasna opredelitev , objava in implementacija , da bi se tako izognili lokalni razlagi .
In the second standardisation domain , namely that of terminals and their connection to acquirers , several market-driven standardisation initiatives are at hand ;
V drugi standardizacijski domeni , ki zajema terminale in njihove povezave s pridobitelji , obstaja več tržnih pobud za standardizacijo .
it is mainly in this field that the definition of standards is difficult , due to traditional national approaches to data and message standards , and the implementation of newly-defined standards will be a timeconsuming process on account of the large installed base of what might be termed « legacy » hardware .
Predvsem na tem področju je standardizacija zahtevna , saj obstaja več tradicionalnih nacionalnih pristopov k podatkovnim in sporočilnim standardom , implementacija novo opredeljenih standardov pa bo dolgotrajna zaradi obsežne nameščene osnove , ki bi jo lahko poimenovali „podedovana » strojna oprema .
The Eurosystem will carefully monitor progress in the design of standards and their timely availability in this standardisation domain .
Eurosistem bo natančno spremljal napredek pri oblikovanju standardov na tem področju in njihovo pravočasno razpoložljivost .
The EPC has set up a specific task force to examine that part of the card transaction process for which there is no industry-wide standardisation initiative , the acquirer-to-issuer domain .
EPC je oblikoval posebno delovno skupino , ki preučuje tisti del kartične transakcije , za katerega ne obstaja nobena standardizacijska pobuda na ravni celotne panoge , namreč domeno pridobitelj-izdajatelj .
The Eurosystem understands that in this domain a common European standard would increase competition between processors and reduce the costs of clearing and settlement .
Eurosistem ugotavlja , da bi v tej domeni skupen evropski standard okrepil konkurenco med procesnimi centri in znižal stroške kliringa in poravnave .
In this light , efforts should be undertaken to harmonise the different implementations of the ISO 8583 standard , and use of the ISO 20022 XML standard should be investigated .
V tej luči si je treba prizadevati za uskladitev različnih implementacij standarda ISO 8533 ter preučiti uporabo standarda ISO 20022 XML .
In addition , special attention should be paid to the domain of certification and type approval , in which the current fragmentation leads to high costs for POS terminals .
Poleg tega bi bilo treba posebno pozornost posvetiti področju certifikacije in odobritve vrste naprav , saj sedanja razdrobljenost povzroča visoke stroške za POS-terminale .
A security evaluation , which is based on an open and stable methodology , is crucial to maintaining a high level of security for cards and terminals .
Varnostna ocena , ki temelji na odprti in stabilni metodologiji , je bistvena za ohranjanje visoke varnosti kartic in terminalov .
Both security evaluation and functional testing should be organised in a way that allows onestop-shopping for terminal manufacturers .
Tako varnostna ocena kot funkcionalno testiranje bi morala biti organizirana na način , ki bi proizvajalcem terminalov omogočil , da vse uredijo na enem mestu .
For this , certification authorities should be allowed , in principle , to provide certification for all SEPA card schemes .
V ta namen bi morali imeti certifikacijski uradi načeloma dovoljenje , da izvajajo certifikacijo za vse SEPA kartične sheme .
Consequently , the Eurosystem encourages all stakeholders to participate constructively in relevant initiatives in this field .
Eurosistem zato vse deležnike poziva , da konstruktivno sodelujejo v ustreznih pobudah na tem področju .