Презентация, доклад на Английском языке: Payments by cards.

application of Bank cards in the book «Looking backward»;
The first credit card was issued in 1914 by the company General Petroleum Corporation of California (now Mobil Oil)

creditworthy customers were issued and the issuance of the first metal plate, on which was squeezed out (imbossible) address
1950 the big banks issued their cards
the company Diners Club in 1950 produced the first plastic card with magnetic stripe for payment of travel and leisure
1956-Bank of America has developed the payment card for universal use

embedded in the economic turnover of the organizations and individual entrepreneurs and physical persons. Non-cash form of payment allows you to more quickly make payments. However, the growth of cashless payments using Bank cards keep such factors as the absence of a clear regulatory framework that would allow unambiguous confidence to use this form of calculation in practice, as well as the prevailing view that the relationship with the Bank require a large number of papers and time.

of the Russian Federation for realization on the territory of the Russian Federation in accordance with the procedure established by the Bank of Russia, calculations related to business operations, including the payment of travel and entertainment expenses;
pays in the currency of the Russian Federation, connected with the economic activity, including the payment of travel and entertainment expenses, on the territory of the Russian Federation;
pays for other operations in the currency of the Russian Federation on the territory of the Russian Federation in respect of which the legislation of the Russian Federation, regulatory acts of the Bank of Russia, does not prohibit or limit on these acts;
receives cash in foreign currency outside the territory of the Russian Federation for payment of travel and entertainment expenses;
pays for travel and entertainment expenses in foreign currency outside the territory of the Russian Federation;
pays other operations in foreign currency in compliance with the requirements of currency legislation of the Russian Federation.
All of the above operations can be carried out using debit cards Bank accounts opened in the currency of the Russian Federation, and (or) Bank accounts opened in. currency.

Regulations on the issue of Bank cards and transactions made using payment cards, approved by the Central Bank of the Russian Federation dated 24.12.2004, N 266-P. Under this Provision, a Bank card is a tool for the calculations by which from the customer's account debited funds.

the funds in his Bank account, and in case of failure of such funds at the expense of the overdraft Bank loan.

of the loan granted by the Bank or a specialized service company with no cash, no money in the Bank account+

you must have a contract with the Bank, the client shall be obliged within a certain period of time to return to the Bank resulting from the payment of duty

the amount that is credited to the account of the cardholder;
this is a relatively small amount is treated as a auto loan without a special credit agreement

are settled by the credit organization-Issuer on its behalf, and shall certify the right of claim of the holder of the prepaid card to the credit organization-Issuer for payment of goods (works, services, results of intellectual activity) or cash withdrawal.

safe storage of its own funds,
the accrual of interest on the remaining balance by credit card,
control expenses and manage your money,
discounts when paying by card in the companies-partners

FUNCTION

loan can be repeatedly without going to the Bank
cashless payment for goods and services without fees anywhere in the world,
transportation of money across the border without customs clearance,
no need to buy foreign currency for travel to other countries,
all the good features of debit cards

points earned for services of any air carrier, and service partners of the Bank - companies under reservation of air and railway tickets, travel agencies.
Possibility of an additional card for faster accumulation of points. Issue cards as debit and credit form.

around the world to pay for goods and services.
You can book cars and hotels.
The interest on the account balance of the Bank card.
Discounts and bonuses online merchants.

additionally offers an exclusive Visa Infinite card set with diamonds and platinum ornaments:
the best example of the premium segment
exclusive privilege and high status of the owner
a Concierge service around the clock 365 days a year+
all the good features of debit cards

American Express, Diners Club and JCB International. They are abroad its customers with virtually any service in any service sector. The operation of such financial associations based on a strong infrastructure, the use of which will be paid a Commission. They can be considered as the proportion of creators of these networks in the distribution of income.

through ATMs and POS terminals, as well as in the offices of the Bank. When the withdrawal is deducted a certain percentage of the fee. While withdrawing money from ATMs and terminals of the issuing Bank, the Commission is absent or relatively low. Upon receipt of cash in other banks percent higher, there is a minimum amount of fee (in Russian banks usually from 1 to 5 %). In addition to cashing many ATMs allow you to pay for municipal services, mobile services and access to the Internet, etc. and also provide other financial services.

services in any country at any retail outlet, equipped with a vending terminal of the relevant payment system. The Commission in the trading terminals when making payment on the payment of goods and services, according to the rules of payment systems with cardholder will not be charged, and passed on to retail outlet acquiring Bank.

ATMs possible electronic theft of money from the account. Therefore, you should be extremely careful.
When you receive money via ATM and many terminals required to enter a PIN, usually consisting of four digits. It is advisable to remember and in no case do not store it together with the card. The illegal possessor to another card has not less than ten thousand options, but after the third incorrect PIN entry card is usually blocked for a day, and some banks in such cases, may even give the ATM command on the capture card.

The safe use

put the card was cut Bank employee at least in half. A new card as soon as possible to activate, i.e. to make it any operation, for example, to request in the cash balance account. Upon receipt of the envelope containing the PIN code you need to make sure that it was sealed.

Card replacement