natgillin/translations-raw huggingface dataset:
b ) adhering to the SEPA direct debit rulebook ( s ) and being a participant in the SEPA direct debit scheme if they conduct such business ;
To pomeni , da Eurosistem pričakuje , da bo banka / plačilna institucija , ki na primer ponuja staro rešitev za direktne obremenitve pri plačilih v eurih , ponujala tudi direktne obremenitve SEPA ( ko bodo na voljo ) .
3 c ) listing all operational BIC8 or BIC11 4 used for payment services in at least one CSM directory that provides full SEPA reachability ;
Koda BIC11 je potrebna le , če plačila , naslovljena na generično kodo BIC8 s kodo podružnice -- skupaj z „XXX » -- ne morejo biti obdelana .
d ) aligning business processes and affected software with the provisions of the relevant EPC rulebooks , and successfully testing the solutions and putting them into the live environment ;
Banke , čeprav so podpisale sporazum o pristopu , javno izjavljajo , da so s ponujanjem klirinških storitev sposobne in pripravljene opraviti vsakršne zahtevane pretvorbe ( tudi če bi prišlo do izgube podatkov ) . Medtem ko je Eurosistem uvedel referenčni okvir za infrastrukture ( poleg pisne izjave , ki so jo klirinškoporavnalni mehanizmi podpisali z EPC 2 ) , so bila pričakovanja Eurosistema do bank izražena le občasno v govorih in poročilih o napredku .
e ) offering the use of SEPA standards in the customer-to-bank and bank-tocustomer fields 5 ( as developed by the EPC , but currently only recommended for optional use ) , at least in addition to legacy standards , and -- if useful -- cooperating with customers » software providers in order to contribute to customers » migration to SEPA payment instruments .
7 tent 5 ( kot jih je razvil EPC , vendar so trenutno priporočeni le kot možnost ) vsaj poleg starih standardov ter , če je koristno , sodelovale s ponudnikom programske opreme stranke , da bi prispevale k migraciji stranke na plačilne instrumente SEPA .
Since retail customers are not included in these standards , the Eurosystem expects providers to offer their retail customers the same access channels for SEPA instruments as for legacy payment instruments ( e.g. internet banking ) .
Ker ti standardi ne vključujejo komitentov , Eurosistem pričakuje , da bodo ponudniki svojim komitentom ponudili enako vrsto dostopnih kanalov do instrumentov SEPA kot pri starih plačilnih instrumentih ( npr . internetno bančništvo ) .
After the migration end-date , only SEPA standards will be used in the data exchange with customers ( except in those cases where banks and their customers mutually agree on the use of conversion services ) ;
Po preteku roka za migracijo se bodo pri izmenjavi podatkov s strankami uporabljali samo standardi SEPA ( razen v primerih , kjer se banke in njihove stranke medsebojno dogovorijo o uporabi pretvorbenih storitev ) ;
f ) refraining from offering conversion services which result in a loss of data .
f ) ne bodo ponujale pretvorbenih storitev , ki bi privedle do izgube podatkov .
It has to be guaranteed that all data -- even if they cannot be converted into a legacy format -- are passed on to the receiving bank ( except in cases in which the payee explicitly asks the receiving bank not to forward all information ) .
Treba je zagotoviti , da se vsi podatki -- tudi če ne morejo biti pretvorjeni v stari format -- prenesejo na banko prejemnico ( razen v primerih , kjer prejemnik plačila izrecno prosi banko prejemnico , da ne posreduje vseh informacij ) .
Following the SEPA migration end-date ( once defined ) , the offering of any conversion service in the interbank space must cease ;
Po preteku roka za migracijo ( ko bo opredeljen ) mora ponujanje kakršnih koli pretvorbenih storitev v medbančnem prostoru prenehati .
offer SEPA instruments to users that correspond to instruments the bank / payment institution already offers in the form of legacy euro payment instruments .
Uporabnikom ponudile instrumente SEPA , ki ustrezajo instrumentom , ki jih banke / plačilne institucije že ponujajo kot stare eurske plačilne instrumente .
6 The Eurosystem expects SEPA instruments to be available for sending and receiving domestic and cross-border payments within SEPA .
6 Eurosistem pričakuje , da bodo instrumenti SEPA na voljo za pošiljanje in sprejemanje domačih in čezmejnih plačil znotraj SEPA .
By fulfilling these expectations , a bank / payment institution is operationally ready to process ( relevant ) SEPA instruments .
Z izpolnjevanjem teh pričakovanj bodo banke / plačilne institucije operativno pripravljene , da obdelujejo ( ustrezne ) instrumente SEPA .
It also makes these instruments available for active use by its customers .
Te instrumente nudijo tudi strankam , da jih aktivno uporabljajo .
In addition , the Eurosystem recommends that banks / payment institutions : a ) make SEPA instruments attractive to customers by : i ) making SEPA payment instruments the default option for domestic and cross-border transactions within SEPA , thereby replacing legacy euro payment instruments ;
i ) plačilne instrumente SEPA ponudijo kot izhodiščno možnost pri domačih in čezmejnih transakcijah znotraj SEPA in s tem nadomestijo stare eurske plačilne instrumente ;
making services that are available for legacy payments ( e.g. internet banking and the ability to register recurring or standing orders ) available for SEPA instruments as well ;
storitve , ki so na voljo pri starih plačilih ( npr . internetno bančništvo in sposobnost registriranja ponavljajočih in trajnih nalogov ) , ponudijo tudi pri instrumentih SEPA ;
iii ) offering services which allow customers to effect payments containing only the IBAN ( i.e. without the BIC ) ;
iii ) ponudijo storitve , ki strankam omogočajo , da izvršujejo plačila samo s številko IBAN ( tj . brez kode BIC ) ;
iv ) working to improve the SEPA instruments in order to meet user requirements and demands by 3
iv ) se trudijo izboljšati instrumente SEPA s ciljem zadovoljiti potrebe in zahteve uporabnikov s tem , da vzpostavijo dodatne opcijske storitve , podpirajo pretvorbo uspešnih dodatnih opcijskih storitev v posamezni skupnosti v storitve z dosegom v celotnem območju SEPA , da uvajajo produkte na podlagi pobude e-SEPA in prihodnjih okvirov , kot so „spletna plačila SEPA » in „mobilna plačila SEPA » ( ko bodo na voljo ) .
This means that the Eurosystem expects a bank / payment institution which offers , for instance , a legacy direct debit solution for euro payments to also offer SEPA direct debits ( once available ) .
b ) Aktivno informirajo stranke o SEPA tako , da : i ) na spletni strani banke / plačilne institucije namenijo prostor projektu SEPA in strankam zagotavljajo dodatne informacije ;
BIC11 is necessary only if payments addressed to the generic BIC8 plus any branch code -- including « XXX » -- cannot be processed .
različnim vrstam uporabnikov jasno razložijo prednosti SEPA ;
It is assumed that the same standards will be recommended for communication by payment institutions .
Predvideno je , da bodo enaki standardi priporočeni pri komuniciranju s plačilnimi institucijami .
The Eurosystem expects not only that a payment instrument offered in the legacy format is offered in the SEPA format too , but also that the same service level is guaranteed .
Eurosistem ne pričakuje samo , da bo plačilni instrument v starem formatu ponujen tudi v formatu SEPA , ampak tudi , da bo zagotovljena enaka raven storitve .
If this is not possible with the core SEPA format , AOSs should be introduced in accordance with the EPC guidelines .
Če to ne bo mogoče v osrednjem formatu SEPA , bi morali uvesti dodatne opcijske storitve v skladu s smernicami EPC .
establishing additional optional services ( AOSs ) , supporting the transformation of successful community AOSs into SEPA-wide AOSs , and implementing products based on the e-SEPA initiative and future frameworks such as « SEPA online payments » and « SEPA mobile payments » ( once available ) ;
iii ) strankam omogočijo preprost dostop do kode BIC ( če bo v SEPA potrebna kot označba ) in številke IBAN ( npr . da jih umestijo na vidno mesto na bančnem izpisku o stanju na računu , na vmesnik spletne banke in na kartice -- pod pogojem , da ni nobenih pravnih omejitev ) .
b ) actively inform customers about SEPA by : i ) dedicating an area on the bank 's / payment institution 's website to SEPA and providing additional information for customers ; clearly describing the benefits of SEPA to different types of user ;
c ) Upoštevajo politiko Eurosistema o SEPA tako , da : i ) uporabljajo infrastrukturo ( če je predvideno ) , ki je opravila samooceno na podlagi ustreznega referenčnega okvira za infrastrukture , objavila rezultate in upošteva referenčni okvir v skladu s samooceno ;
a more harmonised treatment of national and cross-border payments : 1 . include a reference to the SEPA criteria of the EPC and the Eurosystem 's expectations 8 in the text of their invitations to tender for payment processing services ;
ponujajo klirinške in poravnalne storitve ( če je predvideno ) na podlagi veljavnih načel iz referenčnega okvira za infrastrukture . 7
use a provider which observes the EPC 's and the Eurosystem 's SEPA rules and expectations .
opravijo potrebne spremembe in razširitve svojih zalednih aplikacij in baz podatkov ( npr .
8 This provider does not necessarily need to be located within the same country . The Eurosystem expects users to consult with this chosen SEPA provider and the user 's ( business ) software provider on how to achieve technical readiness for SEPA and how to benefit from SEPA ;
spremenijo bančne kode in številke računov v BIC in IBAN ) , programske opreme za upravljanje virov podjetja in povezanih procesov ( npr . uskladitev , upravljanje gotovine ) , da bodo sposobni izdajati in obdelovati kreditna plačila SEPA ;
effect the necessary changes in and additions to their internal systems and databases ( e.g. by updating bank codes and account numbers to BICs and IBANs ) , their ERP software and the underlying processes ( e.g. reconciliation , cash management ) in order to be able to originate and process SEPA credit transfers ;
opravijo spremembe , ki so potrebne za direktne obremenitve SEPA ( ko bodo na voljo ) , na primer glede obravnave pooblastil ali migracije starih pooblastil , če vprašanja migracije ob prenosu direktive o plačilnih storitvah v nacionalno zakonodajo ne bo rešil zakonodajalec ;
effect the changes necessary for SEPA direct debits ( once available ) , for instance regarding the handling of mandates or -- if not solved by the legislator in the PSD transposition -- the migration of legacy mandates ; 5 .
izkoristijo prednosti , ki jih omogoča uporaba XML-standardov v domenah strankabanka in banka-stranka , vključno s standardi za poročanje in uskladitev ( če in ko bodo na voljo ) -- možni prednosti sta npr . uporaba strukturiranih podatkov o nakazilu in večja prožnost pri spremembi bančnega razmerja ;
realise the potential benefits from using XML standards in the customer-to-bank and bank-to-customer space , including standards for reporting and reconciliation ( if and when available ) -- these benefits could include the 7 Of course , only a limited number of the ToR principles for infrastructures might be relevant for banks and payment institutions offering clearing and settlement services .
2560/2001 ) natisnejo IBAN in BIC na takem mestu , da sta ti dve kodi bolj izpostavljeni od starih označb , ter tako dodatno podprejo sprejem SEPA . Poleg 7 Seveda je za banke in plačilne institucije , ki ponujajo klirinške in poravnalne storitve , lahko relevantno samo omejeno število načel iz referenčnega okvira za infrastrukture .
According to the Eurosystem , these are : Criterion 1 ( questions 6.a , 7 , 8 and 8a ) , Criterion 3 ( questions 11a-e ) and Criterion 4 ( questions 15 and 15a , where « participants » should be read as « serviced fi nancial institutions ") .
Po Eurosistemu ti obsegajo : kriterij 1 ( vprašanja 6.a , 7 , 8 in 8a ) , kriterij 3 ( vprašanja 11a -- e ) in kriterij 4 ( vprašanji 15 in 15a , pri čemer morajo biti udeleženci navedeni kot servisirana fi nančna institucija ) .
ToR for infrastructures : http://www.ecb.int/paym/sepa/components / infrastructures / html / tor .
Referenčni okvir za infrastrukture : http://www.ecb.int/paym / sepa / components / infrastructures / html / tor .
These expectations refer to the basic compliance based on the EPC 's documentation and , additionally , the fulfilment of the expectations for SEPA providers formulated by the Eurosystem in this document .
Ta pričakovanja se nanašajo na osnovno skladnost na podlagi dokumentacije EPC , poleg tega pa morajo biti izpolnjena pričakovanja do ponudnikov SEPA , ki jih je Eurosistem predstavil v tem dokumentu .
iii ) making the BIC ( for as long as it is a required identifier in SEPA ) and the IBAN easily available to its customers ( e.g. positioning it in an obvious place on the bank account statement , in the internet banking interface and on cards -- provided there are no legal obstacles ) ;
7.1 PODJETJA IN JAVNE UPRAVE Na osnovi zgornje razprave Eurosistem priporoča vsem velikim uporabnikom ( kot so podjetja in javne uprave ) , ki želijo zagotoviti bolj usklajeno izvrševanje nacionalnih in čezmejnih plačil , da sprejmejo naslednje ukrepe : 1 .
c ) observe the Eurosystem 's SEPA policy by : i ) using an infrastructure ( if relevant ) that has undergone the self-assessment against the relevant ToR relating to infrastructures , that has published the results and observes the ToR in accordance with this self-assessment ;
v svojih razpisih za izbiro ponudnika plačilnih storitev vključijo referenco na kriterije EPC za SEPA in pričakovanja Eurosistema8 ;
offering clearing and settlement services ( if relevant ) based on the applicable principles from the ToR relating to infrastructures .
uporabijo ponudnika , ki upošteva pravila in pričakovanja EPC in Eurosistema glede SEPA .
EXPECTATIONS FOR USERS 7.1 COMPANIES AND PUBLIC ADMINISTRATIONS Based on the discussion above , the Eurosystem recommends that large users ( such as companies and public administrations ) wishing to achieve 8
Eurosistem od uporabnikov pričakuje , da se bodo z izbranim ponudnikom storitev SEPA in uporabnikovim ponudnikom ( poslovne ) programske opreme posvetovali o tem , kako doseči tehnično pripravljenost na SEPA in kako izkoristiti prednosti SEPA ; 8
support the general adoption of SEPA products by : a ) printing the IBAN and the BIC on all invoices ( not only on cross-border invoices as currently requested by EC Regulation 2560/2001 ) in a more obvious place than the legacy identifiers to further support the adoption of SEPA . In addition , national SEPA migration committees could discuss and agree on the approach of printing SEPA identifiers only ;
tega bi nacionalni odbori za migracijo na SEPA lahko opravili razpravo in sprejeli pristop , po katerem bi bile natisnjene samo označbe SEPA ;
b ) making them easily available on their websites , if they already have legacy identifiers published on their website too ;
b ) zagotovijo , da je IBAN in BIC mogoče zlahka najti na njihovih spletnih straneh , če so tam objavljene tudi stare označbe ;
c ) ascertaining and using IBANs and BICs for their own purchases ;
c ) pridobijo in uporabljajo IBAN in BIC v lastnih nakupih ;
d ) not putting any restrictions on the location of a payer 's ( e.g. a debtor in the case of a direct debit ) or payee 's bank ( e.g. for salary payments for employees ) within SEPA ;
d ) ne uvedejo nikakršnih omejitev glede tega , kje v SEPA se nahaja banka plačnika ( npr . dolžnika v primeru direktne obremenitve ) ali prejemnika plačila ( npr .
e ) paving the way for payers to use SEPA instruments , e.g. by using IBANs and BICs instead of legacy identifiers if customers are provided with online or paper forms .
e ) opravijo vse potrebno , da plačniki lahko uporabljajo instrumente SEPA , npr . z uporabo IBAN in BIC namesto starih označb , če imajo stranke na voljo spletne ali papirne obrazce .
7.2 COMMERCIAL AND CENTRAL BANKS AS WELL AS PAYMENT INSTITUTIONS Banks and the future payment institutions play a crucial role in the SEPA process .
7.2 POSLOVNE IN CENTRALNE BANKE TER PLAČILNE INSTITUCIJE Banke in bodoče plačilne institucije imajo v procesu SEPA ključno vlogo .
Not only do they contribute to the policy-setting process , they are providers of the resulting SEPA payment instruments too . Since they expect other users to adopt SEPA payment
Ne sodelujejo namreč le v procesu oblikovanja politike SEPA , ampak so hkrati tudi ponudnice plačilnih instrumentov SEPA , ki bodo v tem procesu nastali .
instruments , the Eurosystem also expects them to lead by example in order to be consistent .
Ker pričakujejo , da bodo plačilne instrumente SEPA sprejeli tudi drugi uporabniki , Eurosistem od bank pričakuje , da bodo s svojim ravnanjem postavile zgled in tako potrdile svojo skladnost .
Therefore , banks should : 1 .
Zato bi morale banke sprejeti naslednje ukrepe : 1 .
include a reference to the SEPA criteria of the EPC and the Eurosystem 's expectations 9 in the text of their invitations to tender for payment processing ;
v svojih razpisih za izbiro ponudnika plačilnih storitev vključiti referenco na kriterije EPC za SEPA in pričakovanja Eurosistema 9 ;
use SEPA payment instruments ( instead of legacy euro payment instruments 10 ) and use a provider ( i.e. for payments which are not « on-us » payments ) which observes the EPC 's and the Eurosystem 's SEPA rules and expectations , and which does not necessarily need to be located within the same country , in order to : a ) pay their suppliers .
uporabljati plačilne instrumente SEPA ( namesto starih eurskih plačilnih instrumentov 10 ) in izbrati ponudnika ( za plačila , ki niso interna plačila ) , ki upošteva pravila in pričakovanja EPC in Eurosistema glede SEPA , za katerega pa ni nujno , da se nahaja v isti državi , kadar opravljajo naslednje storitve : a ) plačujejo svojim dobaviteljem .
If unavailable , the Eurosystem expects banks and payment institutions to actively request the necessary SEPA identifiers from their suppliers ;
Če ustrezne označbe SEPA niso na voljo , Eurosistem od bank in plačilnih institucij pričakuje , da jih aktivno pridobijo od svojih dobaviteljev ;
b ) effect salary payments .
b ) izplačujejo plače zaposlenim .
The Eurosystem expects employees to provide their IBANs and BICs ;
Eurosistem od zaposlenih po drugi strani pričakuje , da bodo posredovali svoj IBAN in BIC ;
use IBANs instead of account numbers , if the payments mentioned under 2.a and 2 .
uporabljati IBAN namesto številke računa , če se plačila iz točk 2.a in 2 .
b are effected in-house ( i.e. « on-us payments ") .
b zgoraj opravijo znotraj hiše ( tj .
7.3 MERCHANTS In addition to the characteristic payments related to a company , merchants typically have a contractual relationship with card acquirers and offer their clients one or more card schemes for effecting payments .
interna plačila ) .
This expectation refers to the basic compliance based on the EPC 's documentation and , additionally , the fulfilment of the expectations for SEPA providers formulated by the Eurosystem in this document . 10 Transactions not denominated in euro are not affected by these expectations .
7.3 TRGOVCI Poleg tipičnih s podjetjem povezanih plačil imajo trgovci navadno sklenjeno pogodbeno razmerje s pridobitelji kartic in svojim strankam za izvedbo plačil ponujajo eno ali več kartičnih shem .
ECB Eurosystem 's SEPA expectations March 2009 1 .
Eurosistem pričakuje , da bodo pri tem razmislili o naslednjih možnostih : 1 .
accepting cards offered by card schemes which observe the ToR for card schemes and that follow the SEPA cards framework 11 ;
sprejemanje kartic tistih kartičnih shem , ki izpolnjujejo določila referenčnega okvira za kartične sheme , in upoštevajo kartični okvir SEPA 11 ;
making contracts with acquirers which have aligned their card business with the provisions of the Eurosystem 's ToR for card schemes ;
sklenitev pogodbe s pridobitelji , ki so svoje kartično poslovanje uskladili z določili referenčnega okvira Eurosistema za kartične sheme ;
migrating towards EMV-certified terminals and to systems using SEPA standards ( once available ) ;
migracija na terminale s certifikatom EMV in sisteme , ki uporabljajo standarde SEPA ( ko bodo ti na voljo ) ;
accepting additional ( European ) card scheme ( s ) once available ( if this is a viable commercial decision ) ;
sprejem dodatne ( evropske ) kartične sheme oz . shem , ko bodo vzpostavljene ( če bo to smiselna poslovna odločitev ) ;
promoting the usage of efficient card schemes at the point of sale or at least not discouraging their use in comparison with cash ( e.g. by exclusively offering discounts for cash payment ) .
spodbujanje uporabe učinkovitih kartičnih shem na prodajnih mestih ali vsaj nezaviranje njihove uporabe na račun gotovine ( npr . s posebnimi ponudbami za gotovinska plačila ) .
7.4 RETAIL CUSTOMERS ( CONSUMERS ) There is a common understanding that retail customers are not very likely to actively request SEPA payment instruments , since the benefits may not be that obvious to them .
7.4 KOMITENTI ( POTROŠNIKI ) Obstaja splošno soglasje , da komitenti sami najverjetneje ne bodo zahtevali plačilnih instrumentov SEPA , saj morda ne bodo razumeli , kakšne koristi jim lahko prinesejo .
However , retail customers will be affected by a phasingout of the legacy instruments too .
Vseeno bo odprava starih instrumentov prizadela tudi komitente .
Formulating expectations for retail customers can easily be misconceived as putting an additional burden on consumers .
Oblikovanje pričakovanj zanje bi bilo mogoče zlahka zmotno razumeti kot uvajanje dodatnih obremenitev za potrošnike .
In combination with consumers » reluctance to change payment behaviour , this might easily contribute to a SEPA-averse attitude .
V povezavi z dejstvom , da potrošniki neradi spreminjajo svoje plačilne navade , lahko to hitro spodbudi odklonilen odnos do SEPA .
Therefore , it is worth emphasising that the measures listed in this section are not actions that the Eurosystem « expects » from every consumer , rather the Eurosystem « expects » that the migration to SEPA will be facilitated if a lot of consumers take these steps .
Zato je v tem okviru smiselno poudariti , da ukrepi , navedeni v tem razdelku , niso zamišljeni tako , da bi jih Eurosistem „pričakoval » od vsakega potrošnika , pač pa Eurosistem „pričakuje » , da bo migracija na SEPA potekala bolje , če bo spodnje korake opravilo čim več potrošnikov .
A retail customer can : 1 .
Kaj lahko stori komitent : 1 .
inform himself / herself about the IBAN of his / her account and the corresponding BIC of his / her bank ;
poišče IBAN svojega računa in ustrezno kodo BIC banke , pri kateri ima odprt račun ;
use IBANs and BICs ( if the latter is requested at all ) instead of national identifiers whenever indicated on the invoice ;
vedno , ko je na računu predviden ustrezen prostor , namesto nacionalnih označb uporablja IBAN in BIC ( če je slednji sploh zahtevan ) ;
use SEPA credit transfers and SEPA direct debits ( when available ) instead of the corresponding legacy products ;
namesto ustreznih starih produktov uporablja kreditno plačilo SEPA in direktno obremenitev SEPA ( ko bo na voljo ) ;
use card payments at the point of sale , instead of less efficient means of payment ( e.g. cheques ) , at a domestic as well as a SEPA level ;
na prodajnem mestu plačuje s kartico in ne z manj učinkovitimi plačilnimi sredstvi ( npr . čeki ) , in sicer tako doma kot na ravni SEPA ;
compare the services offered by banks in several SEPA countries , when establishing a new banking relationship .
ko vzpostavlja novo bančno razmerje , primerja storitve , ki jih ponujajo banke iz več držav SEPA .