natgillin/translations-raw huggingface dataset:
The Eurosystem emphasises that implementation of card standards needs to be mandatory in the areas of security and the interoperability of all involved parties ( including merchants and processors ) .
Eurosistem poudarja , da mora biti implementacija kartičnih standardov obvezna na področju varnosti in interoperabilnosti vseh vpletenih strank ( tudi trgovcev in procesnih centrov ) .
This is crucial , because standardisation is a precondition for the expansion of card schemes to several SEPA countries , for the creation of a new panEuropean debit card scheme , for pan-European card processing , for market consolidation and for ensuring independence in choice of service providers and processors .
To je odločilno , saj je standardizacija predpogoj za širitev kartičnih shem na več držav SEPA , za oblikovanje nove vseevropske sheme debetnih kartic , vseevropsko procesiranje , konsolidacijo trga ter za zagotovitev neodvisnosti pri izbiri ponudnikov storitev in procesnih centrov .
All standards that have resulted in the national segmentation of the euro , or a segmentation into « scheme areas » , should be eliminated and replaced by at least pan-European or , preferably , global standards .
Vsi standardi , ki so povzročili nacionalno segmentacijo eura ali segmentacijo na „območja posameznih shem » , morajo biti odpravljeni in nadomeščeni z vseevropskimi , če že ne svetovnimi standardi .
With regard to the timing , given that standards are a driving force for change , the Eurosystem expects their definition and implementation to be completed as soon as possible , so that the SEPA-for-cards project does not lose momentum .
Glede rokov Eurosistem pričakuje , da bo opredelitev in implementacija standardov kot glavnih motorjev sprememb dokončana čimprej , tako da projekt SEPA za kartice ne izgubi zagona .
For the definition of standards , end-2008 should be the deadline .
Za opredelitev standardov bi bil primeren rok konec leta 2008 . Skladnost tripartitnih shem z zahtevami SEPA Na splošno Eurosistem meni , da je smiselno , če tripartitne sheme ( tj .
SEPA-compliance of three-party schemes In general , the Eurosystem would see an interest that three-party schemes ( i.e. schemes that handle card-issuing and transaction-acquiring without involving banks in the fulfilment of these functions ) that issue general-purpose cards , especially for cross-border use , conform to the provisions of the Eurosystem 's report .
še posebej za čezmejno uporabo , spoštujejo določila v poročilu Eurosistema . 5 Vseeno pa bodo potrebne določene prilagoditve , zato bo Eurosistem to vprašanje pravočasno in po razgovoru s tržnimi subjekti nadalje preučil .
5 However , some adaptations will have to be made , and this issue will be investigated further by the Eurosystem in due course , after a dialogue with market players . For the Eurosystem , a SEPA-compliant card scheme is one that complies with the provisions of the SCF and takes into consideration the need : -- to offer the same service to merchants and cardholders , wherever the scheme operates in the euro area , without any « add-ons » hampering interoperability ;
Za Eurosistem je kartična shema skladna z zahtevami SEPA , če izpolnjuje določila SEPA kartičnega okvira in upošteva naslednje zahteve : -- trgovcem in imetnikom plačilnih kartic nuditi enako storitev , ne glede na to , kje v euroobmočju shema deluje , brez kakršnih koli dodatkov , ki bi lahko ovirali interoperabilnost ;
-- in the long-term , to have a merchant and cardholder fee within a given brand ( if any ) that is independent of the geographical location within the euro area ;
-- na dolgi rok trgovcem in imetnikom plačilnih kartic v okviru ene blagovne znamke zaračunavati provizijo ( če ta obstaja ) , ki je neodvisna od geografske lege znotraj euroobmočja ;
-- to define and publicly disclose a medium to long-term strategy for SEPA-compliance that is consistent with the long-term objectives of the SEPA project ;
-- oblikovati in javno razkriti srednje - do dolgoročno strategijo uskladitve z zahtevami SEPA , ki je skladna z dolgoročnimi cilji projekta SEPA ;
-- to contribute to the design of a consensusbased selection of standards , with a clear commitment for implementation on time ;
-- prispevati k oblikovanju soglasno določenega niza standardov , z jasno zavezo k njihovi pravočasni implementaciji ;
-- to avoid any transfer of personal data in a non-aggregated form to countries that are not compliant with the EU 's data protection rules ;
-- izogibati se vsakemu prenosu osebnih podatkov v neagregirani obliki v države , ki ne spoštujejo pravil EU o varstvu podatkov ;
-- to put in place an effective strategy to combat fraud , especially cross-border fraud ;
-- vzpostaviti učinkovito strategijo boja proti zlorabam , še zlasti na čezmejni ravni ;
and -- to effectively separate card scheme management and processing services , so that no possibility exists for crosssubsidisation or other practices that might favour « own processing » services .
in -- učinkovito ločevati upravljanje kartične sheme od storitev obdelave plačil , tako da ni možnosti navzkrižnega subvencioniranja ali drugih postopkov , ki bi lahko dajali prednost lastnim storitvam procesiranja .
In the case of a « pure » three-party card scheme , the requirement of a separation of scheme management from processing services may not appear relevant .
Pri „čistih » tripartitnih kartičnih shemah se zahteva po ločitvi upravljanja sheme od storitev procesiranja ne zdi ustrezna .
However , in the case of threeparty schemes with licensees ( i.e. partner banks that deal with the issuing of cards and / or the acquiring of card transactions under the scheme 's logo ) , the separation of scheme management and processing services seems necessary for two reasons .
tripartitnih shemah z imetniki licence te sheme ( tj . partnerskimi bankami , ki izdajajo kartice in / ali pridobivajo kartične transakcije pod logotipom sheme ) ločitev zdi potrebna iz dveh razlogov .
When the issuer and the acquirer is the same licensee bank , any processor can be used , and clearing and settlement takes place within the bank ( on-us transactions ) .
Kadar je izdajatelj in pridobitelj ista licenčna banka , se lahko uporabi kateri koli procesni center , kliring in poravnava pa potekata znotraj banke .
When different banks are involved , it is mandatory that processing , clearing and settlement take place via the scheme processor .
Kadar so vključene različne banke , je obvezno , da obdelava , kliring in poravnava potekajo prek procesnega centra sheme .
If the separation of scheme and processor applies , banks will be able to choose their processor .
Če bo zahteva po ločitvi sheme in procesnega centra uveljavljena , bodo lahko banke izbrale procesni center , ki ga želijo uporabiti .
Four-party schemes will be required to implement extensive changes to their business model as a result of SEPA -- e.g. unbundling their scheme and their processor , and placing their proprietary processor at least at « arm 's length » .
Štiripartitne sheme bodo morale zaradi SEPA v svojih poslovnih modelih izvesti obsežne spremembe -- na primer ločitev svoje sheme od lastnega procesnega centra in vzpostavitev vsaj minimalne distance do lastnega procesnega centra .
If three-party schemes with licensees were exempted from the requirement to separate scheme and processing , they would have a competitive advantage over four-party schemes .
Če bi bile tripartitne sheme z imetniki licence teh shem izvzete iz zahteve po ločitvi sheme in procesiranja , bi imele konkurenčno prednost pred štiripartitnimi shemami .
Separation would benefit the development of a true market for processing services .
Ločitev bi prispevala k razvoju resničnega trga storitev procesiranja .
The issues mentioned above will be investigated further by the Eurosystem in due course .
Zgoraj navedena vprašanja bo Eurosistem nadalje obravnaval , ko bo za to prišel čas .
Evolution of card fees and prices within SEPA Several market stakeholders have been emphasising that SEPA will unavoidably entail increases in card fees for consumers and merchants in some countries , due to convergence on average price levels and due to declining possibilities of cross-subsidisation .
Razvoj kartičnih provizij in cen znotraj SEPA Več tržnih udeležencev je poudarilo , da bo SEPA v nekaterih državah zaradi približevanja povprečnim ravnem cen in zaradi manjših možnosti navzkrižnega subvencioniranja neizogibno povzročila zvišanje kartičnih provizij za trgovce in potrošnike .
This is a very sensitive issue for the Eurosystem .
Za Eurosistem je to zelo občutljivo vprašanje .
In general , the price level and the service level should be the outcome of a market-driven 5 See the report entitled « The Eurosystem view on a SEPA for cards » , November 2006 .
V skladu s sporočili , ki jih je že posredoval , Eurosistem v tem poročilu potrjuje svoje stališče , da je treba ohraniti visoko učinkovitost in nizke ravni provizij , ki jih trenutno ponujajo 5 Glej poročilo z naslovom „Stališče Eurosistema do « SEPA za kartice » » , november 2006
SEPA cannot in any circumstances be used as an excuse to increase the general price level .
sheme kartičnih plačil in procesni centri v posameznih državah .
In line with the messages it has already conveyed , the Eurosystem confirms its policy stance on the need to preserve the high efficiency and low fee levels currently offered by card payment schemes and processors in several countries in this report .
V tej zvezi bi pomembno vlogo lahko imel okvir za spremljanje kartičnih provizij .
In this respect , a monitoring framework for card fees could play an important role . The Eurosystem has emphasised that banks should benefit from such a monitoring framework , as it should help them to defend themselves against unfounded accusations in the area of pricing ;
Eurosistem je poudaril , da bi moral biti takšen okvir za banke koristen , saj bi jim pomagal lažje zavrniti neupravičene obtožbe glede zviševanja cen .
they should therefore adopt a positive stance towards the framework .
Zato bi morale imeti banke do njega pozitiven odnos .
The concept of a monitoring framework for card fees ( i.e. the collection of data without any intention of controlling prices ) has been particularly welcomed by users .
Koncept okvira za spremljanje kartičnih provizij ( tj . zbiranje podatkov brez kakršnega koli namena nadzorovati cene ) so pozdravili predvsem uporabniki .
Some banks have contested the competence of the Eurosystem , and the simultaneous involvement of the Eurosystem and the EU Commission , which , as they have claimed , could lead to non-coherent results ;
Nekatere banke so izpodbijale pristojnost Eurosistema na tem področju in sočasno vpletenost Eurosistema in Evropske komisije , kar bi po njihovem mnenju lahko vodilo v nasprotujoče si rezultate ;
they also suspect that the framework might be used as a price-control mechanism .
prav tako so izrazile zaskrbljenost glede možnosti , da se okvir uporabi kot mehanizem za nadzor cen .
On the contrary , DG Competition was particularly supportive of the idea of a monitoring framework for card fees .
Nasprotno pa generalni direktorat za konkurenco odločno podpira zamisel o okviru za spremljanje kartičnih provizij .
The Eurosystem is currently investigating whether , and how , a monitoring framework for card fees could be set up .
Eurosistem trenutno preučuje , ali oziroma kako bi bilo tak okvir mogoče vzpostaviti .
Role of merchants in SEPA migration As end-users , there is still scope for merchants to influence the development of the SEPA project .
Vloga trgovcev v migraciji na SEPA Kot končni uporabniki imajo trgovci še vedno možnost , da vplivajo na razvoj projekta SEPA .
SEPA migration should be driven not only by supply , but also by demand .
Migracije na SEPA ne bi smela voditi samo ponudba , ampak tudi povpraševanje .
With SEPA , POS terminals , for instance , will become increasingly standardised , and merchants will be able to choose any terminal supplier and / or acquirer in the euro area to process their payments .
S SEPA bodo na primer POS-terminali vedno bolj standardizirani in trgovci bodo za obdelavo svojih plačil lahko izbrali katerega koli dobavitelja terminalov in / ali pridobitelja v eurooobmočju .
The Eurosystem invites merchants ( i ) to adopt SEPA standards for POS terminals , ( ii ) to support new European card schemes by accepting these cards if there is a sufficiently strong business case and ( iii ) to cooperate in
Eurosistem trgovce poziva , da ( i ) sprejmejo SEPA standarde za POS-terminale , ( ii ) podprejo nove evropske kartične sheme s tem , da sprejemajo njihove plačilne kartice , če za to obstajajo zadostni poslovni razlogi , in ( iii ) sodelujejo v prizadevanjih za preprečevanje zlorab .
the combat of fraud . Furthermore , the EPC is asked to involve merchants in the validation of SEPA standards and in fraud prevention programmes .
Eurosistem poleg tega poziva EPC , da trgovce vključi v potrjevanje SEPA standardov in v programe preprečevanja zlorab .
1.2 DEVELOPMENTS IN THE FIELD OF INFRASTRUCTURES
1.2 RAZVOJ NA PODROČJU INFRASTRUKTURE
1.2.1 WORK CARRIED OUT BY THE MARKET Interoperability and reachability for infrastructures In the fourth progress report on SEPA , the Eurosystem invited retail clearing and settlement infrastructures in the euro area ( irrespective of whether they were provided by the private sector or by NCBs ) to establish an appropriate forum to discuss how full interoperability could be achieved .
1.2.1 DELO , KI GA JE OPRAVIL TRG Interoperabilnost in dosegljivost infrastrukture V četrtem poročilu o napredku SEPA je Eurosistem povabil upravljavce klirinške in poravnalne infrastrukture za plačila malih vrednosti v euroobmočju ( tako tiste iz zasebnega sektorja kot tiste iz nacionalnih centralnih bank ) , da vzpostavijo forum za razpravo o doseganju popolne interoperabilnosti .
Interoperability is the ability of an infrastructure -- directly or indirectly -- to process payments based on the SCT Rulebook and / or the SDD Rulebook from any bank in the euro area .
Interoperabilnost pomeni sposobnost infrastrukture , da neposredno ali posredno obdela plačila na podlagi Pravilnika za kreditna plačila oziroma Pravilnika za direktne obremenitve od katere koli banke v euroobmočju .
The European Automated Clearing House Association ( EACHA ) took up this invitation and worked on the development of an interoperability framework for retail payment and settlement infrastructures .
Združenje evropskih avtomatiziranih klirinških hiš ( European Automated Clearing House Association -- EACHA ) je povabilo sprejelo in se posvetilo razvoju okvira interoperabilnosti za plačilno in poravnalno infrastrukturo , namenjeno obdelavi plačil malih vrednosti .
It defined criteria that support a technical interoperability for information and settlement streams .
Opredelilo je kriterije , ki določajo tehnično interoperabilnost za podatkovne in poravnalne tokove .
These criteria were submitted to the Eurosystem and the EPC for consultation in May 2007 .
Ti kriteriji so bili maja 2007 predloženi Eurosistemu in EPC v nadaljnjo razpravo .
The Eurosystem encourages the EACHA to continue its work on interoperability issues , invites all infrastructures to contribute to this work and expects the EACHA to finalise its agreement on a common set of interoperability criteria soon .
Eurosistem spodbuja EACHA , da nadaljuje delo na področju interoperabilnosti in da k sodelovanju povabi vse upravljavce infrastrukture , ter pričakuje , da bo EACHA kmalu dosegla sporazum o skupnem sklopu kriterijev interoperabilnosti .
As already mentioned by the Eurosystem , once common interoperability conventions are available , no infrastructure should refuse to establish a link with another infrastructure , provided that the cost for establishing the link is borne , in principle , by the requesting infrastructure .
Kot je Eurosistem že omenil , po pripravi skupnih dogovorov glede interoperabilnosti ne bi smel noben upravljavec infrastrukture zavrniti vzpostavitve povezave z drugo infrastrukturo , pod pogojem , da stroške vzpostavitve povezave načeloma prevzame infrastruktura , ki takšno povezavo zahteva .
However , this does not imply that each infrastructure must establish a direct link with every other infrastructure in the euro area ; links can also be established indirectly .
To pa ne pomeni , da mora vsaka infrastruktura vzpostaviti neposredno povezavo z vsako drugo infrastrukturo v euroobmočju , saj je povezave mogoče vzpostaviti tudi posredno .
It is the Eurosystem 's expectation that a network 16
Eurosistem pričakuje , da bo med infrastrukturami nastala mreža , ki bo posamezni infrastrukturi omogočala , da svojim strankam zagotovi popolno dosegljivost .
ECB Single Euro Payment Area ( SEPA ) July 2007 between infrastructures will emerge that enables individual infrastructures to provide full reachability to their clients .
16 ECB Enotno območje plačil v eurih ( SEPA ) julij 2007
How this is achieved is considered by the Eurosystem to be a business decision to be made by each individual infrastructure .
mnenju Eurosistema odvisno od poslovne odločitve posameznega upravljavca infrastrukture .
In order to achieve interoperability from a technical point of view , common interface specifications are necessary to allow infrastructures to link to each other easily .
Za zagotovitev interoperabilnosti s tehničnega vidika so potrebne skupne specifikacije vmesnikov , kar bo upravljavcem omogočalo , da se enostavno povežejo z drugimi infrastrukturami .
From a business perspective , interoperability requires common business procedures .
S poslovnega vidika pa so za interoperabilnost potrebni skupni poslovni postopki .
Taking into consideration costs , technical complexity and processing times , it does not seem efficient to use more than two intermediaries ( either CSMs or banks ) .
Ob upoštevanju stroškov , tehnične zapletenosti in časa obdelav pa ni smiselno uporabljati več kot dva posrednika ( bodisi mehanizme kliringa in poravnave bodisi banke ) .
Access to any infrastructure should be fair and open , provided that participants are protected against undue risks resulting from the participation of other parties .
Dostop do infrastrukture mora biti pošten in odprt , pod pogojem , da so udeleženci zaščiteni pred nepotrebnim tveganjem zaradi udeležbe drugih .
The Eurosystem considers it worthwhile to re-state this requirement , so as to stress that any current geographical access restrictions to infrastructures for euro-area participants should disappear .
Eurosistem meni , da je koristno ponoviti to zahtevo in s tem poudariti , da morajo biti odpravljene vsakršne sedanje geografske omejitve dostopa do infrastrukture za vse udeležence euroobmočja .
Moreover , no bank or banking community should be obliged by any entity to use either a particular infrastructure ( be it as direct or indirect participant ) or specific proprietary technical standards .
Poleg tega ne bi smela biti nobena banka ali bančna skupnost s strani katerega koli subjekta zavezana k uporabi določene infrastrukture ( bodisi v vlogi neposrednega ali posrednega udeleženca ) ali določenih lastniških tehničnih standardov .
If this were to be the case , banks or banking communities would be « locked into » one infrastructure without having the freedom to move to another .
V tem primeru bi bile banke ali bančne skupnosti „zaklenjene » v eno infrastrukturo brez možnosti , de se svobodno preselijo k drugi .
Parallel processing For an interim period , a parallel processing of SEPA payment instruments and their national equivalents will be unavoidable .
Vzporedna obdelava V vmesnem obdobju se ne bo mogoče izogniti vzporedni obdelavi SEPA plačilnih instrumentov in nacionalnih plačilnih instrumentov .
The conversion of national payment transactions into SEPA formats , and vice versa , may be more problematical .
Bolj problematična bi bila lahko pretvorba nacionalnih plačilnih transakcij v SEPA format in obratno .
Some banks might rely on services provided by external providers ( i.e. the infrastructures ) to effect conversion from SEPA formats to national formats if their internal systems have not yet been adapted to handle the SEPA formats .
Nekatere banke bi se lahko za izvedbo pretvorbe iz SEPA formatov v nacionalne formate zanašale na storitve zunanjih ponudnikov ( tj . infrastrukture ) , če njihovi interni sistemi še ne bi bili prilagojeni za obdelavo SEPA formatov .
This would give rise to the risk that information contained in incoming payments using the SEPA format will be lost during conversion or , alternatively , that information necessary for the processing of an outgoing payment in the SEPA format cannot be included , because it is not supported by the national format .
Zaradi tega bi lahko nastalo tveganje , da se informacije , vsebovane v prilivnih plačilih , ki temeljijo na SEPA formatu , pri pretvorbi izgubijo oziroma da potrebnih informacij za obdelavo odlivnega plačila v SEPA formatu ni mogoče vključiti , ker tega ne podpira nacionalni format .
If conversion facilities are used by banks that have not yet updated their internal systems , these banks and their processor or automated clearing house ( ACH ) must ensure that there is no such truncation of information .
pretvorbene sisteme uporabljajo banke , ki še niso posodobile svojih internih sistemov , morajo te banke in njihovi procesni centri oziroma avtomatizirane klirinške hiše zagotoviti , da ne pride do takšnega krčenja informacij .
Transparency of services and pricing Transparency of both services and pricing may drive competition , so that it may be particularly useful to small users with little or no negotiating power .
Preglednost storitev in cenovljenja Preglednost storitev in cenovljenja lahko spodbudi konkurenco , kar je lahko še posebno koristno za male uporabnike z malo ali nič pogajalske moči .
However , given that prices for clearing services are to a certain extent negotiable between the parties to any given contractual arrangement ( unlike retail consumer prices ) , it may only be viable to publish basic prices in the public sphere .
Ker pa so lahko cene za klirinške storitve do določene mere predmet pogajanj med strankami v pogodbenem dogovoru ( v nasprotju s cenami za potrošnike ) , je smiselno javno objavljati le osnovne cene .
These published prices might well differ from the actual price agreed for a particular contract , after negotiation of variables such as service packages , volumes and the duration of the contract .
Objavljene cene bi se lahko razlikovale od dejanske cene , določene v posamezni pogodbi , ki je odvisna od pogajanj o spremenljivkah , kot so paket storitev , obseg in trajanje pogodbe .
All infrastructures , including those operated by NCBs , which should set an example in this area , should publish their prices .
Vsi upravljavci infrastrukture , med njimi tudi nacionalne centralne banke , ki bi morale biti zgled na tem področju , bi morali objavljati svoje cene .
Emergence of different business models for infrastructures In their preparations for SEPA , retail payment clearing and settlement infrastructures are in the process of establishing different business models ;
Pojav različnih poslovnih modelov za infrastrukturo V sklopu priprav na SEPA upravljavci klirinške in poravnalne infrastrukture za plačila malih vrednosti vzpostavljajo različne poslovne modele .
concepts like « narrow » and « wide » , as well as « hub and spokes » have been used to describe these models .
Za opis teh modelov se uporabljajo pojmi , kot so „ozek » in „širok » ter „kraki in vozlišče » .