natgillin/translations-raw huggingface dataset:
„enolična identifikacijska oznaka“ pomeni informacijo , ki jo navede ponudnik plačilnih storitev in ki jo mora navesti uporabnik plačilnih storitev za nedvoumno identifikacijo drugega uporabnika plačilnih storitev, ki sodeluje v plačilni transakciji, sestavlja pa jo IBAN (mednarodna številka bančnega računa), BIC (bančna identifikacijska koda), številka bančnega računa, številka kartice ali ime ;
(15) “unique identifier” means the information specified by the payment service provider and to be provided by the payment service user to identify unambiguously the other payment service user involved in a payment transaction, and consisting of the IBAN (International Bank Account Number), the BIC (Bank Identifier Code), a bank account number, a card number or a name;
(15) „enolična identifikacijska oznaka“ pomeni kombinacijo črk, številk ali simbolov, ki jo navede ponudnik plačilnih storitev uporabniku plačilnih storitev in ki jo mora navesti uporabnik plačilnih storitev za nedvoumno identifikacijo drugega uporabnika plačilnih storitev, ki sodeluje v plačilni transakciji;
(15) “unique identifier” means the combination of letters, numbers or symbols specified to the payment service user by the payment service provider and to be provided by the payment service user to identify unambiguously the other payment service user involved in a payment transaction;
Takšna opredelitev omogoča fleksibilnost, saj lahko različni plačilni sistemi opredelijo svoje zahteve, hkrati pa lahko SEPA sistemi še vedno zahtevajo uporabo IBAN številke.
This definition allows flexibility for different payment systems to define their own requirements, while still allowing the SEPA systems to require the use of IBANs.
Prav tako omogoča fleksibilnost za vse bodoče identifikacijske oznake, ki se razvile z novimi tehnologijami ali na zahtevo potrošnikov.
It also allows flexibility for any future identifiers arising from new technology or customer demand.
ČLEN 4, TOČKA 16
ARTICLE 4, POINT 16
„vezani zastopnik“ je fizična ali pravna oseba, ki ukrepa v imenu plačilne institucije pri izvajanju plačilnih storitev;
(16) “tied agent” means a natural or legal person which acts on behalf of a payment institution in carrying out payment services;
(16) „vezani zastopnik“ je pravna oseba, ki ukrepa v imenu plačilne institucije pri izvajanju plačilnih storitev;
(16) “tied agent” means a legal person which acts on behalf of a payment institution in carrying out payment services;
ČLEN 4, TOČKA 19
ARTICLE 4, POINT 19
(19) „trajni nosilec podatkov“ je vsak instrument, ki omogoča shranjevanje podatkov, naslovljenih osebno na uporabnika plačilnih storitev , tako da so dostopni za poznejše prebiranje tako dolgo, kakor je potrebno za namene teh podatkov, in ki omogoča nespremenjeno predvajanje shranjenih podatkov; trajni nosilec podatkov obsega zlasti izpis iz bančnih tiskalnikov, računalniške diskete, CD-ROM, DVD in trde diske osebnih računalnikov, na katerih se shranjuje elektronska pošta, vendar ne vključuje spletnih strani, razen če take strani izpolnjujejo merila, navedena v prvem stavku te točke;
(19) “durable medium” means any instrument which enables information addressed personally to the payment service user to be stored in a manner accessible for future reference for a period of time adequate to the purposes of the information and which allows the unchanged reproduction of the information stored; in particular, durable medium covers printouts by account printers, floppy disks, CD ‑ROMs, DVDs and hard drives of personal computers on which electronic mail is stored but excludes Internet sites, unless such sites meet the criteria specified in the first sentence of this point.
(19) „trajni nosilec podatkov“ je vsak instrument, ki uporabniku plačilnih storitev omogoča shranjevanje podatkov, naslovljenih osebno nanj , tako da so dostopni za poznejše prebiranje tako dolgo, kakor je potrebno za namene teh podatkov, in ki omogoča nespremenjeno predvajanje shranjenih podatkov;
(19) “durable medium” means any instrument which enables the payment service user to store information addressed personally to him in a way accessible for future reference for a period of time adequate to the purposes of the information and which allows the unchanged reproduction of the information stored;
ČLEN 4, TOČKA 19 A (novo)
ARTICLE 4, POINT 19 A (new)
(19a) "delovni dan" pomeni dan, na katerega ponudnik plačilnih storitev plačnika ali prejemnika plačila, ali morebitni posrednik, vključen v izvrševanje plačilne transakcije, posluje, kot je potrebno za transakcijo;
(19a) “business day” means a day on which the payment service provider of either the payer or the payee or, if applicable, the intermediary involved in the execution of a payment transaction, are open for business, as is required for the transaction;
ČLEN 4, TOČKA 19 B (novo)
ARTICLE 4, POINT 19 B (new)
(19b) „upravitelj“ pomeni vsako osebo ali organ, ki so ga imenovali upravni ali pravosodni organi, in je pristojen za upravljanje reorganizacijskih ukrepov;
(19b) “administrator” means any person or body appointed by the administrative or judicial authorities whose task is to administer reorganisation measures;
ČLEN 4, TOČKA 19 C (novo)
ARTICLE 4, POINT 19 C (new)
„upravni ali pravosodni organi“ pomeni takšne upravne in pravosodne organe držav članic, ki so pristojni za reorganizacijske ukrepe ali likvidacijske postopke;
(19c) “administrative or judicial authorities” means such administrative or judicial authorities of the Member States that are competent for the purposes of reorganisation measures or winding-up proceedings;
ČLEN 4, TOČKA 19 D (novo)
ARTICLE 4, POINT 19 D (new)
(19g) "reorganizacijski ukrepi" so ukrepi za ohranitev ali ponovno vzpostavitev finančnega položaja plačilne institucije, ki lahko vplivajo na že obstoječe pravice tretjih oseb, vključno z ukrepi, ki dopuščajo zaustavitev plačil, zaustavitev izvršilnih ukrepov ali zmanjšanje terjatev;
(19d) “reorganisation measures” means measures that are intended to preserve or restore the financial situation of a payment institution and which could affect third parties' pre-existing rights, including measures involving the possibility of a suspension of payments, suspension of enforcement measures or reduction of claims;
ČLEN 4, TOČKA 19 E (novo)
ARTICLE 4, POINT 19 E (new)
(19e) „likvidacijski upravitelj“ pomeni vsako osebo ali organ, ki so ga imenovali upravni ali pravosodni organi, katerih naloga je upravljanje likvidacijskih postopkov;
(19e) “liquidator” means any person or body appointed by the administrative or judicial authorities whose task is to administer winding-up proceedings;
ČLEN 4, TOČKA 19 F (novo)
ARTICLE 4, POINT 19 F (new)
(19f) „likvidacijski postopek“ pomeni kolektivne postopke, ki jih sprožijo in nadzorujejo upravni ali pravosodni organi, da bi se pod njihovim nadzorom likvidiralo premoženje, tudi v primeru, če se postopek zaključi s poravnavo ali podobnim ukrepom;
(19f) “winding-up proceedings” means collective proceedings opened and monitored by the administrative or judicial authorities with the aim of realising assets under the supervision of those authorities, including where the proceedings are terminated by a composition or other, similar measure;
ČLEN 4, TOČKA 19 H (novo)
ARTICLE 4, POINT 19 H (new)
(19h) „mikro plačila“ pomenijo pogodbo v zvezi s plačili, ki ne presegajo 10 EUR.
( 19h) “ micro payments” means a contract concerning payments not exceeding EUR 10.
Plačilna institucija za pridobitev dovoljenja predloži pisno prošnjo pristojnim organom matične države članice, skupaj z naslednjim:
For authorisation as a payment institution, a written application shall be submitted to the competent authorities of the home Member State, together with the following:
Plačilna institucija za pridobitev dovoljenja predloži prošnjo pristojnim organom matične države članice, skupaj z naslednjim:
For authorisation as a payment institution, an application shall be submitted to the competent authorities of the home Member State, together with the following:
ČLEN 5, ODSTAVEK 1, TOČKA (B)
ARTICLE 5, PARAGRAPH 1, POINT (B)
(b) poslovni načrt, vključno z o kvirnim izračunom proračuna za prva tri finančna leta, ki bo omogočil predvidevanje , da je prosilec sposoben uporabljati primerne in sorazmerne sisteme, vire sredstev in postopke za zanesljivo poslovanje;
(b) a business plan including a tentative budget calculation for the first three financial years which would allow the presumption that the applicant is able to employ the appropriate and proportionate systems, resources and procedures to operate soundly;
(b) poslovni načrt, vključno z načrtovanim izračunom proračuna za prva tri finančna leta, ki prikazuje , da je prosilec sposoben uporabljati primerne in sorazmerne sisteme, vire sredstev in postopke za zanesljivo poslovanje;
(b) a business plan including a forecast budget calculation for the first three financial years which demonstrates that the applicant is able to employ the appropriate and proportionate systems, resources and procedures to operate soundly;
ČLEN 5, ODSTAVEK 1, TOČKA (B A) (novo)
ARTICLE 5, PARAGRAPH 1, POINT (B A) (new)
(ba) dokazilo, da je znesek začetnega kapitala, določenega v členu 5b, prosto in neomejeno na voljo plačilni instituciji.
(ba) evidence that the amount of initial capital outlined in Article 5b is at the free and unlimited disposal of the payment institution.
ČLEN 5, ODSTAVEK 1, TOČKA (B B) (novo)
ARTICLE 5, PARAGRAPH 1, POINT (B B) (new)
(bb) opis postopka za pravno ločitev sredstev v skladu s členom 5b(4)(a) .
(bb) a description of the procedure for the legal separation of funds in accordance with Article 5b(4)(a).
(c) opis prosilčevih upravnih in računovodskih postopkov, ki bodo omogočili predvidevanje , da prosilec izvaja zanesljive in primerne postopke in kontrole ;
(c) a description of the applicant’s administrative and accounting procedures, such as would allow the presumption that it conducts sound and adequate procedures and controls ;
(c) opis prosilčevih upravnih postopkov, postopkov obvladovanja tveganja in računovodskih postopkov , ki prikazujejo , da so te kontrole sorazmerne, ustrezne , zanesljive in primerne;
(c) a description of the applicant’s administrative , risk management and accounting procedures, which demonstrates that these controls are proportionate, appropriate, sound and adequate;
ČLEN 5, ODSTAVEK 1, TOČKA (D)
ARTICLE 5, PARAGRAPH 1, POINT (D)
(d) opis mehanizmov notranje kontrole, ki jih je vzpostavil prosilec zaradi izpolnjevanja obveznosti v zvezi s pranjem denarja na podlagi Direktive Evropskega parlamenta in Sveta 2005/60/ES;
(d) a description of the internal control mechanisms which the applicant has established in order to comply with obligations in relation to money laundering under Directive 2005/60/EC of the European Parliament and of the Council;
(d) opis mehanizmov notranje kontrole, ki jih je vzpostavil prosilec zaradi izpolnjevanja obveznosti v zvezi s pranjem denarja in financiranjem terorizma na podlagi Direktive Evropskega parlamenta in Sveta 2005/60/ES;
(d) a description of the internal control mechanisms which the applicant has established in order to comply with obligations in relation to money laundering and terrorist financing under Directive 2005/60/EC of the European Parliament and of the Council;
ČLEN 5, ODSTAVEK 1, TOČKA (E)
ARTICLE 5, PARAGRAPH 1, POINT (E)
(e) opis prosilčevih postopkov za upravljanje s tveganji;
(e) a description of the applicant’s risk management procedures;
Združeno s točko (c).
Merged into (c)
ČLEN 5, ODSTAVEK 1, TOČKA (H)
ARTICLE 5, PARAGRAPH 1, POINT (H)
(h) če je prosilec pravna oseba , identiteta fizičnih oseb, ki so njegovi zastopniki, njegovi večinski delničarji in nastopajo kot direktorji, ter dokazila, da imajo navedene osebe dovolj dober ugled ter ustrezno znanje in sposobnost opravljanja plačilnih storitev;
(h) where the applicant is a legal person, the identity of the natural persons who are its representatives, its majority shareholders and who act as directors as well as evidence that those persons are of good repute and have appropriate knowledge and ability to perform payment services;
(h) identiteta fizičnih oseb, ki so njegovi zastopniki, njegovi večinski delničarji in nastopajo kot direktorji, ter dokazila, da imajo navedene osebe dovolj dober ugled ter ustrezno znanje in sposobnost opravljanja plačilnih storitev;
(h) the identity of the natural persons who are its representatives, its majority shareholders and who act as directors as well as evidence that those persons are of good repute and have appropriate knowledge and ability to perform payment services;
ČLEN 5, ODSTAVEK 1, TOČKA (I)
ARTICLE 5, PARAGRAPH 1, POINT (I)
(i) identiteta vodilnega poslovodnega delavca ter dokazila, da ima oseba, ki dejansko upravlja poslovanje prosilca , dober ugled ter primerno znanje in sposobnost opravljati plačilne storitve;
(i) the identity of the lead manager and evidence that the person who effectively directs the applicant’s business is of good repute and has appropriate knowledge and ability to perform payment services;
identiteta direktorjev in oseb, odgovornih za upravljanje plačilne institucije , ter dokazila, da imajo dober ugled ter primerno znanje in sposobnost opravljati plačilne storitve, kot določa matična država članica plačilne institucije ;
(i) the identity of directors and persons responsible for the management of the payment institution and evidence that they are of good repute and possess appropriate knowledge and ability to perform payment services , as determined by the home Member State of the payment institution ;
ČLEN 5, ODSTAVEK 1, TOČKA (J)
ARTICLE 5, PARAGRAPH 1, POINT (J)
(j) pravni status prosilca;
(j) the applicant’s legal status;
(j) pravni status prosilca in statut ;
(j) the applicant’s legal status and articles of association ;
ČLEN 5, ODSTAVEK 1, TOČKA (K)
ARTICLE 5, PARAGRAPH 1, POINT (K)
(k) naslov, kjer je mogoče dobiti ustrezne dokumente .
(k) the address from which the relevant documents may be obtained .
(k) naslov sedeža v skladu s členom 14 .
(k) the address of the head office in accordance with Article 14 .
Za namene točke (c) prosilec zagotovi opis organizacijskih ureditev, ki jih je vzpostavil, da bi sprejel vse razumne ukrepe za varovanje interesov svojih uporabnikov in da bi zagotovil neprekinjenost in zanesljivost delovanja plačilnih storitev.
For the purposes of point (c) , the applicant shall provide a description of the organisational arrangements it has set up with a view to taking all reasonable steps to protect the interests of its users and to ensure continuity and reliability in the performance of payment services.
Za namene točk (b) in (c) prosilec zagotovi opis načinov revizije in organizacijskih ureditev, ki jih je vzpostavil, da bi sprejel vse razumne ukrepe za varovanje interesov svojih uporabnikov in da bi zagotovil neprekinjenost in zanesljivost delovanja plačilnih storitev.
For the purposes of points (b) and (c) , the applicant shall provide a description of its audit arrangements and the organisational arrangements it has set up with a view to taking all reasonable steps to protect the interests of its users and to ensure continuity and reliability in the performance of payment services.
ČLEN 5 A (novo)
ARTICLE 5 A (new)
Odbor evropskih bančnih nadzornikov poda smernice za razlago zahtev iz člena 5.
The European Committee of Banking Supervisors shall give guidance on the interpretation of the requirements in Article 5.
Jasna in skupna opredelitev standardov, povezanih z razlago zahtev, ki veljajo za registracijo plačilne institucije, bi koristila integriteti sektorja finančnih storitev.
The integrity of the financial services sector would benefit from a solid and common definition of standards regarding the interpretation of the requirements to register as a payment institution.
ČLEN 5 B (novo)
ARTICLE 5 B (new)
Zahteve glede plačilne sposobnosti in drugi ukrepi za zagotovitev zaščite sredstev strank med prenosom
Solvency requirements and other measures to ensure the protection of client funds in the course of transmission
Države članice zagotovijo, da bodo sprejele naslednje ukrepe za zaščito sredstev uporabnikov plačilnih storitev med prenosom.
Member States shall ensure that the following measures are taken to protect the funds of payments services users in the course of transmission.
Plačilne institucije v skladu s členom 57(a) in (b) Direktive 2006/48/ES razpolagajo s kapitalom na naslednji način:
Payment institutions shall hold capital as defined in Article 57 (a) and (b) of Directive 2006/48/EC as follows:
(a) če plačilna institucija opravlja samo dejavnosti, navedene v točki 7 priloge, mora vedno razpolagati vsaj z minimalno višino kapitala, ki jo je matična država članica določila za ustanovitev družbe z omejeno odgovornostjo;
a) where the payment institution carries on only those activities mentioned in point 7 of the Annex, its capital shall at no time be less than the minimum required by the law of its home Member State for the incorporation of a limited liability company;
(b) če plačilna institucija izvaja katero od dejavnosti iz točk 5, 8 ali 9 priloge ali iz člena 10(1)(b) in (c), mora vedno razpolagati s kapitalom v višini vsaj 100.000 EUR.
b) where the payment institution carries on any of the activities mentioned in points 5, 8 or 9 of the Annex or in Article 10 (1) (b) and (c), its capital shall at no time be less than EUR 100 000 ;
(c) če plačilna institucija opravlja katero od dejavnosti iz točk 1, 2 ali 3 priloge, mora vedno razpolagati s kapitalom v višini vsaj 500.000 EUR ali ene četrtine svojih splošnih stroškov predhodnega leta, kateri koli znesek je pač višji.
c) where the payments institution carries on any of the activities mentioned in points 1, 2 or 3 of the Annex, its capital shall at no time be less than EUR 500 000 or the equivalent of one quarter of the payment institution's fixed overheads for the preceding year whichever is the higher.
Ne glede na zgoraj navedene minimalne kapitalske zahteve se pristojni organi prepričajo, da ima plačilna institucija zadosten kapital za stalno podporo vseh poslovnih dejavnosti.
Notwithstanding the minimum capital requirements set out above, competent authorities shall be satisfied that the payment institution holds sufficient capital to support all its business activities at all times.
Plačilna institucija, ki opravlja dejavnosti iz točke 7 priloge mora sprejeti ustrezne ukrepe za zaščito sredstev uporabnikov plačilnih storitev.
A payments institution that carries on those activities mentioned in point 7 of the Annex shall put in place appropriate safeguards to protect the funds of payment service users.
Sredstva so lahko:
Either the funds shall be:
a) zavarovana na naslednji način:
a) ring fenced, as follows:
(i) plačilna institucija loči sredstva, ki jih je sprejela od uporabnikov plačilnih storitev za izvršitev plačilne transakcije, od sredstev, ki jih je sprejela za namene, ki se ne nanašajo na plačilne storitve, in jih v vodi ločeno;
(i) in relation to funds received from payment service users, which have been accepted for a payment transaction, the payment institution shall segregate such funds from other funds accepted for activities other than payment services and shall account for them separately in its books;
(ii) plačilna institucija hrani sredstva uporabnika plačilnih storitev pod imenom računa, ki jasno določa uporabnika plačilnih storitev;
(ii) the payment institution shall keep the funds of a payment service user under an account name which clearly identifies the payment service user;
(iii) sredstva uporabnika plačilnih storitev se ne smejo zamešati s sredstvi katere koli druge fizične ali pravne osebe, ki ni uporabnik plačilnih storitev, v katerega imenu plačilna institucija hrani sredstva;
(iii) no funds of a payment service user may be commingled with the funds of any natural or legal person other than the payment service user on whose behalf the funds are held;
(iv) sredstva uporabnika plačilnih storitev morajo biti zaščitena pred dejanji tretjih oseb zoper plačilno institucijo;
(iv) the funds of a payment service user shall be insulated from any third-party action against the payment institution;
če se sprejme eden ali več reorganizacijskih ukrepov ali sprožijo likvidacijski postopki zoper plačilno institucijo, pristojni upravni ali pravosodni organi ali upravitelj ali likvidacijski upravitelj, odvisno od primera, nemudoma vrne sredstva vseh uporabnikov plačilnih storitev tem uporabnikom, pred vsemi drugimi zahtevki zoper plačilno institucijo; in
(v) in the event that one or more reorganisation measures are adopted or winding-up proceedings are opened against a payment institution, the relevant administrative or judicial authorities, or the relevant administrator or liquidator, as the case may be, shall return the funds of all payment service users promptly to such payment service users in priority to all other claims against that payment institution; and
(iv) če se sprejme eden ali več reorganizacijskih ukrepov ali sprožijo likvidacijski postopki zoper plačilno institucijo in ni na voljo dovolj sredstev za povrnitev vseh sredstev uporabnikom storitev, pristojni upravni ali pravosodni organi ali upravitelj ali likvidacijski upravitelj, odvisno od primera, uporabnikom plačilnih storitev nemudoma sorazmerno razdelijo sredstva teh uporabnikov na podlagi njihovih zahtevkov in pred vsemi drugimi zahtevki zoper plačilno institucijo;
(vi) in the event that one or more reorganisation measures are adopted or winding-up proceedings are opened against a payment institution and insufficient funds are available for remittance of all the funds due to payment service users, the competent administrative or judicial authorities, or the relevant administrator or liquidator, as the case may be, shall distribute promptly to payment service users the funds of such payment service users on a pro rata basis according to their claims and in priority to all other claims against that payment institution;
b) plačilna institucija zavaruje sredstva z zavarovalno polico ali bančno garancijo, ki pokriva celotno ozemlje Skupnosti, pri zavarovalniški družbi na območju EU ali banki v višini zneska, ki je enak znesku, ki bi bil izločen in ločeno voden v skladu z odstavkom 4(a)(i) v primeru, da sredstva niso zavarovana z zavarovalno polico ali bančno garancijo, ter bi jih bilo treba izplačati, če plačilna institucija ne bi bila zmožna izpolniti svojih finančnih obveznosti.
b) covered by an insurance policy or bank guarantee covering the whole territory of the Community from an EU incorporated insurance company or bank for an amount equivalent to that which would have been segregated and separately accounted for according to paragraph 4 (a) (i) in the absence of the insurance policy or bank guarantee, payable in the event that the payment institution is unable to meet its financial obligations.
Pogoji zavarovalne police ali bančne garancije morajo ustrezati obliki, ki je sprejemljiva za pristojne organe države članice, v kateri se plačilna institucija nahaja.
The terms of such insurance policy or bank guarantee shall be in a form acceptable to the competent authorities of the Member State of incorporation of the payments institution.
Določbe iz odstavka 4 ne veljajo, če so plačila prejemniku na voljo do konca drugega delovnega dne po sprejemu.
The provisions of paragraph 4 shall not apply where the proceeds of the payment are made available to the beneficiary by the end of the second business day following acceptance.
ČLEN 5 C (novo)
ARTICLE 5 C (new)
Article 5c
Article 5c
Pristojni organi morajo zagotoviti, da če plačilna institucija opravlja eno ali več dejavnosti iz odstavkov 1 do 3 priloge, potem mora odpreti račun za stranke, da bi zagotovila, da bodo sredstva primerno ločena od drugih dejavnosti, ki jih opravlja.
Competent authorities shall ensure that where a payment institution carries out one or more of the activities at paragraphs 1 to 3 of the Annex it establishes a client account to ensure that those funds are appropriately segregated from the other activities it undertakes.