Banking processing centers - zvivako zvikamu zvebhangi

Wati wamboshamisika kuti banking system inoshanda sei ? Ndezvipi maATM uye magumo ekubhadhara anodzidza mari yakawanda sei? Vanoziva sei izvozvo, kupi uye sei zvakadururwa? Mune zvose izvi, mabhizinesi ekugadzirwa kwebhangi (BPCs) anobatanidzwa, nokuti vane mazano ose. Ndezvipi izvi zvikamu zvemasangano mabhengi? Ndeapi mabasa anoitwa? Vanoshanda sei? Ndiani anopa zvinhu izvi? Pane nzvimbo yengozi here? Iko kupi maunyamu makuru emhando iyi akanyanya kuiswa?

Nei uchida bhangi processing centre?

Chokutanga pane zvose, ngatishandisei nyaya iyi. Kana uchitaura nezvebhange processing centre, zvinoreva kugoneswa nedzimwe sangano rekubhadhara simba rekunyora magetsi, iro rinowanikwa kune database yevatori vechikamu (vanhu) uye makombiyuta ega (ATM) anogona kushandisa masimba ayo. Vanopa zvikumbiro zvinogamuchirwa, pamwe chete nekutengesa.

Bhuku rekugadzirisa zvikorekedzo rekodha dheta pamusoro peaiti akabhadhara, uyo akakumbira mari paATM nezvimwe zviito zvizhinji (kufanana nekugadzirisa mashoko pamusoro pemiganhu yekambani uye kutumira chikumbiro chemvumo, apo bhizinesi rinobvisa risina dheyo rayo nokuda kwezvinangwa izvi ). Sezvaunogona kuona, pane mabasa akawanda. Asi havasi vose "vakaenzana". Masangano makuru akawanzove makuru ekugadzirisa masangano anobata mabasa ekufambisa eimwe, madiki mashoma.

Nharaunda inoshanda sei?

Mamiriro ekushanda anogona kuva emhando mbiri:

1. Tungamira basa nebato rinoshandiswa rebhangi rako. Muchiitiko ichi zvinonzwisisika kuti munhu ane pepa rake repurasitiki anoenda kuATM inzvimbo yake. Apo inopinda pakuratidza ruzivo, inotamirwa zvakananga kumunhu anopa. Kune imwe nzvimbo pane imwe nzvimbo yakasara, makadhi epurasitiki anogadziriswa, uye ruzivo rwakadzokera kumunhu rinodzorerwa kumunhu waakakumbira. Ngatitii mari yakawanda yaanayo. Kana iwe ukakumbira mari yakawanda, ATM inotarisa deta uye inoti hakuna mari yakawanda. Kana chikamu chikumbikwa, chigadzirwa chacho chichaverenga nekupa data. Muchiitiko ichi, ATM inotumira iyo mashoko kune imwe nzvimbo yekugadzirisa, iyo yakapa imwe chiyero kune mumwe munhu. Ichokwadi, kunewo mabhanhire, asi kazhinji dunhu rinoshanda pasina.
2. Kukurukurirana kuburikidza nomubatsiri. Muchiitiko ichi, nzvimbo yekugadzirisa inotumira chikumbiro kubhengi iyo yakabudisa kadhi. Kana zvinhu zvose zvakanaka, mhinduro ndeyekuti kubhadhara kunogona kuitwa. Uyewo pane mazita ezvinyorwa zvekushanda, izvi zvinoita kuti pave nemagariro pakati pemabhanga akasiyana.

Kushandiswa kwebasa rebhangi

Apo bhangi ine BOC yayo pachayo - ichi chinhu chimwe chete. Nzvimbo dziri munyaya iyi, taitarisa zvishoma. Iye zvino tichabhadhara kutarisa kwemaitiro ose neimwe sangano (inonziwo kubudiswa kwebasa rebhangi). Izvi zvinowanzotarisirwa kumasangano mashoma ane basa shoma. Iwe unogona kutumidza BPC (kana kuti PC chete) sezvaunoda, kutanga neJSC Banking Processing Center kune "Tichaverenga imwe kana mbiri." Zvakakosha munyaya iyi ndeyokukurumidza kwekuita kwebasa rakapiwa, uyewo nekuchengetedzwa kwenhau iri kushandiswa.

Zvimwe Zvimwe

Dhipatimendi inogona kupiwa mamwe mabasa: kubhadhara makadhi matsva kumabhizimisi ane maitiro evanhu vanotevera haawanzwisisiki. Inzvimbo yekugadzirisa iyo inyanzvi yepamusoro yebhadharo. Inoshanda pasi pemamiriro ezvinhu akaoma zvikuru. Izvi hazvishamisi, nokuti nzvimbo yacho inofanira kuvimbiswa kuti inoshanda munguva chaiyo kubuda kukuru kwekutengesa. Nokudaro, kune simba rinogadziriswa rekugadzirisa nzvimbo, panewo zvimwe zvakanyanya zvinodiwa. Anofanirwa kugadzirira nekupa deta yedzimba dzese, kushandiswa kwekutengesa mitemo - uye izvi zvose mumaawa mashoma chete.

Ndezvipi zvakakosha kune basa rekugadzirisa nzvimbo?

Mamiriro ezvinhu, pane maonero maviri:

1. Computational simba rekukura kukuru. Izvo zvatatokurukura pamusoro apa.
2. Kuvandudzwa kwekukurukurirana kwehupfumi BPC inofanira kunge yakabata pamwe chete nenhamba yakawanda yenzvimbo dzenharaunda, iyo iri kure kure. Zvinonyatsojeka kuti maitiro ekufambisa kwepamusoro-data anoshandiswa pakushanda zvakanaka. Kukosha kwavo kwakakura kwazvo zvokuti ivo vanofananidzwa kune zviri mukati mekubhadhara hurongwa, pasina izvo zvisingakwanisi kuvapo.

Nzvimbo dzokukurukurirana dzinoshandiswa kuita mabasa anodiwa, ayo anofungidzirwa nebasa rebhangi. Vanopa zvipo zvekubhadhara zvirongwa zvinopindira kumakambani anoshandiswa nedhidhiyo. Pamapfudzi avo pane kunyanya kunetseka kuti hakuna munhu anogona kuvanyorera nokuda kwezvinangwa zvisiri pamutemo. Basa ravo pakupa hurukuro yekukurukurirana inobvumidza kubatsira bhishopu yekushandiswa kwebhangi.

Terminals (ATMs) inowana mashoko nokukurumidza. Nemazuva ano maitiro, kunonoka zvishoma: vanogona kuva nyaya yemasekondi. Izvi hazvishamisi, nokuti kushandiswa kwemari inokonzera mari pamwe chete nemutengi kunonyatsorongedzwa. Iyo sagoni haigone kushanda chikumbiro chemaminitsi anopfuura 30. Asi izvi, sezvakange zvatove zvinyorwa, ichinyorwa chiduku chisina nguva.

Geographical location

MuRepublic of Belarus, ruzivo rwebhangi nemabhizimisi makuru akamisa OJSC Banking Processing Center. Minsk ndiro guta iro hofisi yepamusoro iripo. Saka, iyo data iri mumusoro ichagadziriswa mumasekondi mashomanana. Izvo zvose zvinoenderana nenzvimbo yakakura. Iinewo matavi eOJSC Banking Processing Center. Grodno iguta umo mumwe wavo aripo. Nokudaro, pano zvakare, zvikumbiro zvakasiyana-siyana zvichatsanangurwa zvakakurumidza.

Inowedzera uye inopinda muchibvumirano chitsva nemabhanga makuru akasiyana eOJSC Banking Processing Center. Gomeri (guta racho) atovhura masuo ebazi idzva. Pano iwe unogona kuita purogiramu isiri yemari yekubhadharira "Belcard".

Sezvazvakajeka, matavi eJSC "Banking processing centre" akazaruka mumaguta akawanda. Brest yakanga isiri iyo. PC dzaunowana muguta rino pa: Brest, ul. Molodogvardeyskaya, 3, kuvaka. 3.

Nguva dzose anozivisa nezvemhando dzakasiyana-siyana dzekambani, maitiro ekudzivirira, nekuda kweizviputi zvisiri kushanda, "Banking processing centre". Mogilev, hafu yevagari vayo vashandi vePC, vakagadzirisa zvigaro musi waMay 21 kusvika 7am.

Lesilairi

Kuti ave nechokwadi chekuti nzvimbo yekugadzirisa inogona kuita mabasa ose akapiwa kwairi nenzira yepamusoro, zvinokosha kuti uende kuburikidza nedzimwe nzira dzinotungamirira huwandu hwehu nuances. Mutemo, zvakasimbiswa munyika dzakawanda, kazhinji mumakore gumi apfuura. Vanopa mabhizimisi kumasangano ose ePSP / IPSP. Kukosha kwavo, pamwe nemikana iyo inopiwa nehurumende dzakasiyana, inopesana munyika imwe neimwe. Asi, kana tikapfupisa, tinogona kuti malayisensi anobvumira mamwe makambani, kunze kwekuti vane zvibvumirano nemabhangi anoshanda naVISA na MasterCard, vanotanga nzira yekunyora mari kubva kune imwe nhoroondo kuitira kuti vazobhadhara pane imwe.

Zvimwe Zvinyorwa

Mukuwedzera kune zvikwangwani zviri pamusoro apa, panewo magwaro ehurumende emakambani anokwanisa kugadzirisa mitemo yakawanda yekubatana mumusika wekodhi yemari. Chokutanga, izvi zvinoshanda kumasangano anotaurwa nezveVISA uye MasterCard. Somuenzaniso, magwaro ekutanga kambani Card Acceptance uye Chargeback Management Guidelines. Nenzira, sekuvandudzwa kwemakambani ekubhadhara magetsi, chiitiko chave chichigadzirisa kuti maitiro makuru ekugadzirisa maitiro akaita sechikonzero chekusika yavo pachavo. Asi zvakadaro nhamba yakawanda yekambani dzemhando iyi inoshanda chete neimwe nzvimbo. Izvi zvose zviri nzvimbo yavo yakasimba uye isina simba: haisi yavo pfuma yavo.

Ndeapi maitiro ehurongwa anoshandiswa neBOC?

Mamiriro ezvinhu anokwanisa kugoverwa mumhando idzi:

1. Muchena unongotarisana nekubatana nekambani dzinobhadhara mitero mumatunhu avo. Vanotaura kune avo vane ngozi shoma dzezvinetso. Asi, zvinosuwisa, mabasa avo anonyanya kuoma nemitero yakakwirira, iyo inovaita zvimwe zvinetso mumakwikwi nevamiriri vezvikamu zviviri zvinotevera.
2. Grey rinoreva maPc akave akanyoreswa kune imwe nyika kana pasi-mutero. Semitemo, makambani emhando iyi haasi akasiyana zvikuru kubva kune vatsvene. Asi vanogona kuwana mari yakawanda nekubhadhara chikamu chiduku, uyewo vakagadzirira kushanda pamwe nebhizimisi chero ripi zvaro: pharmaceuticals, mawebsite evanhu vakuru, kushambadzira pamucheto wepamutemo kune zvose zvavari. Chinhu choga ndechokuti havasi kugadzirira kushanda nevatengi vanobva mumugwagwa. Nokudaro, zvakakosha kushamwaridzana nemunhu, shamwari, uye dzimwe nguva kutsvaka nekugadzirisa.
3. Black inobata chero zvipi zvayo. Kunyangwe avo avo vari pachena vasingatenderwi. Nezvikonzero zvehutano, izvi hazvibviri kunze kwebhangi rakazarura kambani, saka inoshanda pamwe chete. Somuenzaniso, inonyangadza mabhizinesi kana mabhinki eChinese. Nemhaka yehuwandu hutsva, pamwe chete nezvengozi huru, zvivako zvakadaro zvakaoma zvikuru, uye zvakaoma zvikuru kuwana muchengeti wemugove wemari iyi (asi hazvirevi kuti hazvigoneki). Mukuwedzera kuoma mukugadzirisa kukurukurirana, panewo ngozi yakawanda kwazvo yokuti inokwanisa kuswedera panguva ipi zvayo, uye ipapo iyo yose yakaiswa pairi ichapera.

NezveRussian banking sector

Nzvimbo dzakawanda dzezvemari dzinobudisa mapepa emaplasitiki anewo maHIV akasiyana. Muchiitiko ichi, vanoita sekugadzirisa masvingo emabhangi, nekuda kwekugadziriswa kunoitwa pakati pevatori vechikamu chetsika. Vanopa mukati mekutengesa kwebasa. BPCs dzinoshanda munharaunda yeRussian Federation dzinodiwawo kuva neisensi yeFSB inotarisa kuvharwa kwemashoko.

Mhedziso

Sezvaunogona kuona, mabhizinesi ekugadzirwa kwebhangi ndiwo chikamu chinokosha chegadziro rebhangi. Mukuwedzera pakuita mabasa avo ekutanga, ivo vanopiwawo mamwe mabasa akawanda. Vanotarisa nzvimbo yeATM. Uye kana iyo nyanzvi inotumira chiratidzo chokuti chiremera, somuenzaniso, chakasvibiswa, iyo data inoshandiswa uye inotumirwa kusangano rekuchengetedza.