{"id":2774,"date":"2017-08-10T13:49:14","date_gmt":"2017-08-10T11:49:14","guid":{"rendered":"https:\/\/blog.gopay.com\/?p=2774"},"modified":"2023-08-30T13:56:03","modified_gmt":"2023-08-30T11:56:03","slug":"velky-slovnik-jazyka-platebniho","status":"publish","type":"post","link":"https:\/\/www.gopay.com\/blog\/velky-slovnik-jazyka-platebniho\/","title":{"rendered":"Velk\u00fd slovn\u00edk jazyka platebn\u00edho"},"content":{"rendered":"

PCI DSS, PSD2, fintech, vydavatelsk\u00e1 banka…<\/p>\n

Tu a tam se ve sv\u011bt\u011b online plateb mihne pojem \u010di zkratka, kter\u00fdm \u010dasto nen\u00ed rozum\u011bt.<\/p>\n

Abyste se spr\u00e1vn\u011b orientovali, vyplat\u00ed se n\u011bkolik slov\u00ed\u010dek zn\u00e1t.<\/p>\n

V GoPay jsme si zahr\u00e1li na jazykov\u011bdce a sestavili slovn\u00edk nejpou\u017e\u00edvan\u011bj\u0161\u00edch term\u00edn\u016f, na kter\u00e9 m\u016f\u017eete p\u0159i placen\u00ed narazit – a\u0165 u\u017e e-shop vlastn\u00edte, nebo na n\u011bm nakupujete.<\/p>\n

<\/p>\n

Navigace: klikn\u011bte na kotvu u slov\u00ed\u010dka, kter\u00e9 si chcete prohl\u00e9dnout.<\/em><\/p>\n

<\/span>3D Secure<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Bezpe\u010dnostn\u00ed protokol, kter\u00fd ov\u011b\u0159uje data spojen\u00e1 s transakc\u00ed a \u00fadaje dr\u017eitele karty. Tyto \u00fadaje jsou p\u0159ed\u00e1v\u00e1ny pouze bance. Nikdy nejsou sd\u00edleny s obchodn\u00edkem. Syst\u00e9m zajist\u00ed bezpe\u010dnou platbu tak, \u017ee banka dr\u017eiteli karty za\u0161le autoriza\u010dn\u00ed k\u00f3d pomoc\u00ed SMS. Syst\u00e9m platbu dokon\u010d\u00ed a\u017e po spr\u00e1vn\u00e9m zad\u00e1n\u00ed k\u00f3du. Bez n\u011bj platba neprob\u011bhne.<\/p>\n

Definice pro lidi<\/strong>: V podstat\u011b je to SMSka, kterou v\u00e1m po\u0161le va\u0161e banka, kdy\u017e plat\u00edte kartou. V SMSce je k\u00f3d, jeho\u017e zad\u00e1n\u00edm do platebn\u00ed aplikace potvrd\u00edte, \u017ee jste platbu vyvolali skute\u010dn\u011b vy a ne n\u011bjak\u00fd „dobr\u00e1k“, kter\u00fd va\u0161i kartu na\u0161el, nebo v\u00e1m ji vyfoukl.<\/div><\/div>\n

<\/span>AML z\u00e1kon<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>:\u00a0Z\u00e1kon, podle kter\u00e9ho se \u0159\u00edd\u00ed finan\u010dn\u00ed instituce v boji proti pran\u00ed \u0161pinav\u00fdch pen\u011bz a financov\u00e1n\u00ed terorismu. Z\u00e1kon finan\u010dn\u00ed instituci mimojin\u00e9 ukl\u00e1d\u00e1 i povinnost identifikovat klienta, pokud dos\u00e1hne ur\u010dit\u00fdch finan\u010dn\u00edch limit\u016f. Zkratka poch\u00e1z\u00ed z anglick\u00e9ho n\u00e1zvu Anti-money laundering („proti pran\u00ed \u0161pinav\u00fdch pen\u011bz“).<\/p>\n

Definice pro lidi<\/strong>: Z\u00e1kon proti pran\u00ed \u0161pinav\u00fdch pen\u011bz. Lid\u00e9 ho nevymysleli proto, aby se u\u0161mudlan\u00e9 mince a bankovky leskly \u010distotou, ale aby co nejv\u00edce zt\u00ed\u017eili podvodn\u00edk\u016fm „legalizovat“ pen\u00edze z\u00edskan\u00e9 d\u00edky podvod\u016fm nebo kr\u00e1de\u017e\u00edm. <\/div><\/div>\n

<\/span>API<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>:\u00a0Application Programming Interface je pojem, kter\u00fd ozna\u010duje rozhran\u00ed pro programov\u00e1n\u00ed aplikac\u00ed. D\u00edky API m\u016f\u017ee nap\u0159. e-shop komunikovat s platebn\u00ed br\u00e1nou.<\/p>\n

Definice pro lidi<\/strong>: P\u0159edstavte si, \u017ee spoj\u00edte dva mrakodrapy m\u016fstkem a potom si m\u016f\u017eete vybrat, kdo v\u0161echno, kdy, na z\u00e1klad\u011b \u010deho nebo z jak\u00e9ho mrakodrapu po n\u011bm m\u016f\u017ee p\u0159ech\u00e1zet. Tohle v\u0161echno a je\u0161t\u011b spoustu dal\u0161\u00edch mo\u017enost\u00ed um\u00ed API. Jedin\u00fd rozd\u00edl je v tom, \u017ee nespojuje mrakodrapy, ale aplikace. <\/div><\/div>\n

<\/span>Autentikace<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Znamen\u00e1 ov\u011b\u0159en\u00ed. Pou\u017e\u00edv\u00e1 se zejm\u00e9na v situac\u00edch, kdy se u\u017eivatel p\u0159ihla\u0161uje do syst\u00e9mu. Syst\u00e9m ov\u011b\u0159\u00ed, zda se jedn\u00e1 o spr\u00e1vn\u00e9ho u\u017eivatele na z\u00e1klad\u011b zad\u00e1n\u00ed autentika\u010dn\u00edch \u00fadaj\u016f.<\/p>\n

Definice pro lidi<\/strong>: Je to jak\u00e1koliv situace, kdy n\u011bkomu (nej\u010dast\u011bji aplikaci nebo po\u010d\u00edta\u010di) potvrzujete, \u017ee jste to skute\u010dn\u011b vy.\u00a0<\/div><\/div>\n

<\/span>Autorizace platby<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: K bance se dostane po\u017eadavek na uskute\u010dn\u011bn\u00ed transakce. Banka vyhodnot\u00ed spr\u00e1vnost v\u0161ech \u00fadaj\u016f a platbu schv\u00e1l\u00ed. To v\u0161e se d\u011bje v \u0159\u00e1du n\u011bkolika milisekund.<\/p>\n

Definice pro lidi<\/strong>: Ka\u017edou platbu je nutn\u00e9 „oraz\u00edtkovat“, jestli m\u016f\u017ee nebo nem\u016f\u017ee prob\u011bhnout. Raz\u00edtko d\u00e1v\u00e1 nej\u010dast\u011bji banka, kter\u00e1 autorizac\u00ed potvrzuje nebo zam\u00edt\u00e1 uskute\u010dn\u011bn\u00ed platby. <\/div><\/div>\n

<\/span>Autoriza\u010dn\u00ed k\u00f3d<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Skl\u00e1d\u00e1 se z 4 – 6 \u010d\u00edslic a je vy\u017eadov\u00e1n v situac\u00edch, kdy je pot\u0159eba potvrdit transakci platebn\u00ed kartou. K\u00f3d zas\u00edl\u00e1 banka v r\u00e1mci syst\u00e9mu 3D Secure a zad\u00e1v\u00e1 jej dr\u017eitel karty.<\/p>\n

Definice pro lidi<\/strong>: Cifra, kterou mus\u00edte opsat nebo zkop\u00edrovat do platebn\u00edho rozhran\u00ed, kdy\u017e bance potvrzujete, \u017ee kartou plat\u00edte skute\u010dn\u011b vy. <\/div><\/div>\n

<\/span>Bankovn\u00ed tla\u010d\u00edtko<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: N\u011bkdy ozna\u010dov\u00e1n jako online tla\u010d\u00edtko, nebo online bankovn\u00ed p\u0159evod. Kdy\u017e z\u00e1kazn\u00edci plat\u00ed p\u0159es bankovn\u00ed tla\u010d\u00edtko, nemusej\u00ed vypl\u0148ovat platebn\u00ed \u00fadaje, jako \u010d\u00edslo \u00fa\u010dtu, nebo variabiln\u00ed symbol. V\u0161echno je u\u017e p\u0159ipraven\u00e9. Je to rychlej\u0161\u00ed varianta klasick\u00e9ho bankovn\u00edho p\u0159evodu, bez rizika p\u0159eps\u00e1n\u00ed se v \u010d\u00edslici a bez nutnosti zdlouhav\u00e9ho opisov\u00e1n\u00ed \u00fadaj\u016f.<\/p>\n

Definice pro lidi<\/strong>: Vyberete svoj\u00ed banku podle loga. Otev\u0159e se v\u00e1m p\u0159\u00edstup do bankovnictv\u00ed, kde u\u017e bude v\u0161echno p\u0159ipraven\u00e9. Vy jen potvrd\u00edte, \u017ee chcete zaplatit. <\/div><\/div>\n

<\/span>BIC<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Bank Identification Code se pou\u017e\u00edv\u00e1 k identifikaci banky p\u0159i mezin\u00e1rodn\u00edm platebn\u00edm styku. Tvo\u0159\u00ed jej 8-11 \u010d\u00edslic.<\/p>\n

Definice pro lidi<\/strong>: P\u0159ijdete s n\u00edm do styku, kdy\u017e budete cht\u00edt pos\u00edlat platbu do zahrani\u010d\u00ed klasick\u00fdm bankovn\u00edm p\u0159evodem. <\/div><\/div>\n

<\/span>BIN<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Bank Identification Number najdete na sv\u00e9 platebn\u00ed kart\u011b. Je to prvn\u00edch 4-6 \u010d\u00edslic. \u010c\u00edslice \u0159\u00edkaj\u00ed, kter\u00e1 banka platebn\u00ed kartu vydala a v jak\u00e9m regionu.<\/p>\n

Definice pro lidi<\/strong>: \u010c\u00edslo karty nen\u00ed jen na par\u00e1du. Ta \u010d\u00edsla skute\u010dn\u011b n\u011bco znamenaj\u00ed. Prozrazuj\u00ed, k jak\u00e9 bance pat\u0159\u00edte, kde v\u00e1m karta byla vyd\u00e1na, a spoustu dal\u0161\u00edch informac\u00ed.\u00a0<\/div><\/div>\n

<\/span>Bitcoin<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Virtu\u00e1ln\u00ed m\u011bna, kter\u00e1 v posledn\u00ed dob\u011b nab\u00edr\u00e1 na obrovsk\u00e9 popularit\u011b. V\u00fdhodou Bitcoinu je okam\u017eit\u00e9 p\u0159ips\u00e1n\u00ed platby na \u00fa\u010det a snadn\u00e1 sm\u011bnitelnost za jakoukoli m\u011bnu. Bitcoin je decentralizovan\u00e1 m\u011bna, nen\u00ed ovl\u00e1dan\u00e1 ani kontrolovan\u00e1 jednou ur\u010ditou skupinou nebo jedincem.<\/p>\n

Definice pro lidi<\/strong>: Jestli chcete zkusit n\u011bco nov\u00e9ho, pak je Bitcoin pro v\u00e1s to prav\u00e9. <\/div><\/div>\n

<\/span>Chargeback<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Jin\u00fdmi slovy garance vr\u00e1cen\u00ed pen\u011bz. Vztahuje se na platby kartou. Pokud se dr\u017eitel karty setk\u00e1 s nekal\u00fdm \u010di podvodn\u00fdm jedn\u00e1n\u00edm ze strany e-shopu, m\u016f\u017ee platbu reklamovat u sv\u00e9 banky. Banka situaci prov\u011b\u0159\u00ed a z\u00e1kazn\u00edkovi vr\u00e1t\u00ed pen\u00edze. \u010c\u00e1stku si pak vym\u00e1h\u00e1 na e-shopu sama. Pro platby kartou online je to neskute\u010dn\u00e1 v\u00fdhoda.<\/p>\n

Definice pro lidi<\/strong>: Nep\u0159i\u0161lo v\u00e1m zbo\u017e\u00ed? Nebo p\u0159i\u0161lo pol\u00e1man\u00e9? Nedodr\u017eel obchodn\u00edk sv\u00e9 slovo? Zavolejte do banky a \u0159ekn\u011bte, \u017ee chcete uplatnit chargeback. <\/div><\/div>\n

<\/span>CVV\/CVC<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>:\u00a0Card Verification Value\/Code je \u010d\u00edslo, kter\u00e9 se nach\u00e1z\u00ed na zadn\u00ed stran\u011b platebn\u00ed karty v b\u00edl\u00e9m magnetick\u00e9m prou\u017eku. Vypl\u0148ujeme ho p\u0159i platb\u011b kartou na internetu. M\u00e1 za c\u00edl zvy\u0161ovat bezpe\u010dnost platby.<\/p>\n

Definice pro lidi<\/strong>: Tohle \u010d\u00edslo ur\u010dit\u011b zn\u00e1te. Vypl\u0148ujete jej poka\u017ed\u00e9, kdy\u017e plat\u00edte kartou na internetu. Pokud tedy nepou\u017e\u00edv\u00e1te platby na jedno kliknut\u00ed. \u00a0<\/div><\/div>\n

<\/span>Debetn\u00ed karta<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Platebn\u00ed karta, kter\u00e1 je ur\u010dena k bezhotovostn\u00edm platb\u00e1m. Funguje za p\u0159edpokladu, \u017ee je na n\u00ed dostatek prost\u0159edk\u016f. Za ur\u010dit\u00fdch okolnost\u00ed m\u016f\u017ee b\u00fdt na kart\u011b z\u0159\u00edzen tzv. kontokorent, kter\u00fd majiteli umo\u017e\u0148uje j\u00edt do m\u00ednusu. Debetka je p\u0159\u00edmo napojen\u00e1 na \u00fa\u010det majitele karty. V \u010de\u0161tin\u011b j\u00ed \u0159\u00edk\u00e1me kreditka, a\u010dkoli se jedn\u00e1 o technicky nep\u0159esn\u00fd term\u00edn.<\/p>\n

Definice pro lidi<\/strong>: Jestli nejste n\u00e1kupn\u00ed maniaci a netop\u00edte se v dluz\u00edch, pak ur\u010dit\u011b pou\u017e\u00edv\u00e1te debetku. <\/div><\/div>\n

<\/span>Dr\u017eitel karty<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>:\u00a0V bankovn\u00ed terminologii je dr\u017eitelem karty osoba, kter\u00e1 je majitelem debetn\u00ed \u010di kreditn\u00ed karty. V podstat\u011b se jedn\u00e1 o osobu, kter\u00e1 je opr\u00e1vn\u011bn\u00e1 kartu pou\u017e\u00edvat.<\/p>\n

Definice pro lidi<\/strong>: M\u00e1te kartu? Gratulujeme, jste dr\u017eitel karty. <\/div><\/div>\n

<\/span>EHS (EEA)<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Evropsk\u00fd hospod\u00e1\u0159sk\u00fd prostor (v angli\u010dtin\u011b European Economic Area) je prostor jednotn\u00e9ho evropsk\u00e9ho trhu, pro kter\u00fd plat\u00ed dohoda o voln\u00e9m pohybu osob, zbo\u017e\u00ed, slu\u017eeb \u010di kapit\u00e1lu. U platebn\u00edch karet se rozli\u0161uje region, ve kter\u00e9m byla karta vyd\u00e1na. V\u011bt\u0161inou se m\u016f\u017eete setkat pr\u00e1v\u011b s ozna\u010den\u00edm EHS.<\/p>\n

Definice pro lidi<\/strong>: \u010cR pat\u0159\u00ed do Evropsk\u00e9ho hospod\u00e1\u0159sk\u00e9ho prostoru. <\/div><\/div>\n

<\/span>Embosovan\u00e1 karta<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Na embosovan\u00e9 platebn\u00ed kart\u011b jsou \u00fadaje o kart\u011b a majiteli plasticky vystoupl\u00e9. Kdy\u017e p\u0159ejedete p\u0159es \u00fadaje prstem, znateln\u011b je uc\u00edt\u00edte. Embosovan\u00e1 karta je dnes b\u011b\u017en\u00fdm standardem a nejpou\u017e\u00edvan\u011bj\u0161\u00ed druh karty u n\u00e1s.<\/p>\n

Definice pro lidi<\/strong>: Pokud se va\u0161e banka neli\u0161\u00ed od ostatn\u00edch, m\u00e1te nejsp\u00ed\u0161 embosku. <\/div><\/div>\n

<\/span>Elektronick\u00e1 karta<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Elektronick\u00e1 karta nem\u00e1 plasticky vyra\u017een\u00e9 \u00fadaje. D\u0159\u00edve byla ur\u010den\u00e1 pro bezhotovostn\u00ed platby a v\u00fdb\u011br z bankomat\u016f. Nebyla pou\u017e\u00edv\u00e1na k platb\u00e1m na internetu. Dnes se s n\u00ed setk\u00e1te pouze sporadicky.<\/p>\n

Definice pro lidi<\/strong>: D\u0159\u00edv je banky nab\u00edzely k ur\u010dit\u00fdm \u00fa\u010dt\u016fm. Dneska v\u00e1m elektronick\u00e1 karta prakticky k ni\u010demu nen\u00ed. <\/div><\/div>\n

<\/span>Elektronick\u00e1 pen\u011b\u017eenka<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: N\u011bkdy se j\u00ed tak\u00e9 \u0159\u00edk\u00e1 digit\u00e1ln\u00ed pen\u011b\u017eenka, e-pen\u011b\u017eenka, v angli\u010dtin\u011b e-wallet. Je popul\u00e1rn\u00ed platebn\u00ed metodou na internetu. Z\u00e1kazn\u00edk si pen\u011b\u017eenku dob\u00edj\u00ed a plat\u00ed s n\u00ed na e-shopech. Nemus\u00ed opisovat \u017e\u00e1dn\u00e9 \u00fadaje ani se p\u0159ihla\u0161ovat do bankovnictv\u00ed.<\/p>\n

Definice pro lidi<\/strong>: V\u0161ichni zn\u00e1me PayPal. Ale v\u011bd\u011bli jste, \u017ee GoPay byla jedna z prvn\u00edch \u010desk\u00fdch pen\u011b\u017eenek? <\/div><\/div>\n

<\/span>FinTech<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Finan\u010dn\u00ed technologie je pojem, kter\u00fd spojuje inovace a nov\u00e9 technologie s finan\u010dn\u00edmi slu\u017ebami. FinTech nefunguje jako tradi\u010dn\u00ed banka, ani j\u00ed b\u00fdt nechce. Jedn\u00e1 se o relativn\u011b nov\u00fd term\u00edn, kter\u00fdm se za\u010d\u00ednaj\u00ed ozna\u010dovat ty finan\u010dn\u00ed instituce, kter\u00e9 p\u0159ich\u00e1zej\u00ed s novinkami v oblasti placen\u00ed.<\/p>\n

Definice pro lidi<\/strong>: Sv\u011b\u017e\u00ed pojem, kter\u00fdm se finan\u010dn\u00ed instituce nebo startupy li\u0161\u00ed od korpor\u00e1tn\u00edch bank. <\/div><\/div>\n

<\/span>Fraudov\u00e1 transakce<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: \u010cesk\u00fd pojem je podvodn\u00e1 transakce. Jedn\u00e1 se o zneu\u017eit\u00ed platebn\u00edch \u00fadaj\u016f neopr\u00e1vn\u011bnou osobou. Tato osoba se pak sna\u017e\u00ed prov\u00e9st transakci. Podvodn\u00e1 transakce je klasifikov\u00e1na jako trestn\u00fd \u010din.<\/p>\n

Definice pro lidi<\/strong>: Fraud je velk\u00e1 neplecha, za kterou stoj\u00ed zlod\u011bji a podvodn\u00edci. <\/div><\/div>\n

<\/span>GDPR<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Obecn\u00e9 na\u0159\u00edzen\u00ed o ochran\u011b osobn\u00edch \u00fadaj\u016f je nov\u00e1 legislativa vydan\u00e1 Evropskou uni\u00ed, kter\u00e1 v\u00fdrazn\u00fdm zp\u016fsobem zas\u00e1hne do nakl\u00e1d\u00e1n\u00ed a pr\u00e1ce s osobn\u00edmi \u00fadaji. T\u00fdk\u00e1 se ka\u017ed\u00e9ho, kdo eviduje a zpracov\u00e1v\u00e1 data o fyzick\u00fdch osob\u00e1ch, nap\u0159. n\u00e1v\u0161t\u011bvn\u00edc\u00edch webu, e-shopu, ale pozor si budou muset d\u00e1t i firmy, kter\u00e9 shroma\u017e\u010fuj\u00ed \u00fadaje o sv\u00fdch zam\u011bstnanc\u00edch.<\/p>\n

Definice pro lidi<\/strong>: Zat\u00edm je GDPR sp\u00ed\u0161 nep\u0159ehledn\u00e1 chobotnice. Na re\u00e1ln\u00e9 dopady si budeme muset po\u010dkat.\u00a0<\/div><\/div>\n

<\/span>IBAN<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Identification Bank Account Number se pou\u017e\u00edv\u00e1, kdy\u017e chcete prov\u00e1d\u011bt platby z a do zahrani\u010d\u00ed. Jedn\u00e1 se v podstat\u011b o mezin\u00e1rodn\u00ed \u010d\u00edslo bankovn\u00edho \u00fa\u010dtu. Zn\u00e1t spr\u00e1vn\u00fd IBAN je naprosto kl\u00ed\u010dov\u00e9. Nespr\u00e1vn\u00e9 \u010d\u00edslo m\u016f\u017ee zp\u016fsobit, \u017ee pen\u00edze nedojdou na spr\u00e1vn\u00fd \u00fa\u010det, nebo dojdou s velk\u00fdm zpo\u017ed\u011bn\u00edm, apod.<\/p>\n

Definice pro lidi<\/strong>: IBAN zad\u00e1v\u00e1te p\u0159i platb\u00e1ch klasick\u00fdm bankovn\u00edm p\u0159evodem, kdy\u017e chcete poslat pen\u00edze do zahrani\u010d\u00ed. <\/div><\/div>\n

<\/span>Inline platebn\u00ed br\u00e1na<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Druh platebn\u00ed br\u00e1ny, kter\u00e1 z\u00e1kazn\u00edky nep\u0159esm\u011brov\u00e1v\u00e1 ze str\u00e1nky e-shopu na web platebn\u00ed br\u00e1ny. V\u00fdsledkem je u\u017eivatelsky p\u0159\u00edjemn\u00e9 rozhran\u00ed a snadn\u011bj\u0161\u00ed proces placen\u00ed. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f inline br\u00e1na zaznamen\u00e1v\u00e1 v\u011bt\u0161\u00ed procento dokon\u010den\u00fdch objedn\u00e1vek, ne\u017e u p\u0159esm\u011brov\u00e1n\u00ed.<\/p>\n

Definice pro lidi<\/strong>: Kouzeln\u00e9 ok\u00e9nko, kter\u00e9 se plynule zobraz\u00ed p\u0159\u00edmo na str\u00e1nce, kde plat\u00edte.\u00a0<\/div><\/div>\n

<\/span>Integrace<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Integrace je proces, kdy je prodejn\u00ed m\u00edsto obchodn\u00edka napojeno na syst\u00e9m platebn\u00ed br\u00e1ny.<\/p>\n

Definice pro lidi<\/strong>: Proces, kdy si vezmete online dokumentaci a podle n\u00ed postav\u00edte most mezi va\u0161\u00edm e-shopem a platebn\u00ed br\u00e1nou. <\/div><\/div>\n

<\/span>Karetn\u00ed asociace<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Je sdru\u017een\u00ed vydavatel\u016f platebn\u00edch karet. Pat\u0159\u00ed sem nap\u0159. VISA nebo MasterCard, a dal\u0161\u00ed. Jedn\u00e1 se o instituce, kter\u00e9 ud\u011bluj\u00ed licence vydavatelsk\u00fdm bank\u00e1m. Z\u00e1rove\u0148 stanovuj\u00ed pravidla pro platebn\u00ed br\u00e1ny, podle kter\u00fdch je nutn\u00e9 se \u0159\u00eddit, nap\u0159. definuj\u00ed rizikov\u00e9 kategorie zbo\u017e\u00ed, nastavuj\u00ed r\u016fzn\u00e9 limity, apod.<\/p>\n

Definice pro lidi<\/strong>: P\u0159edstavte si je jako vl\u00e1dce, kte\u0159\u00ed panuj\u00ed \u0159\u00ed\u0161i plateb. Krot\u00ed banky a finan\u010dn\u00ed instituce. D\u00e1vaj\u00ed podobu kart\u00e1m a ur\u010duj\u00ed, jak se s nimi bude zach\u00e1zet. <\/div><\/div>\n

<\/span>Kreditn\u00ed karta<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Kreditn\u00ed karta je druh \u00fav\u011brov\u00e9 karty, kter\u00e1 nen\u00ed napojen\u00e1 na \u00fa\u010det majitele, ale na \u00fa\u010det vydavatelsk\u00e9 banky.<\/p>\n

Definice pro lidi<\/strong>: Hod\u00ed se v p\u0159\u00edpad\u011b, kdy jste posti\u017eeni n\u00e1kupn\u00ed hore\u010dkou, ale doch\u00e1z\u00ed v\u00e1m paralen. <\/div><\/div>\n

<\/span>Mezibankovn\u00ed poplatky<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Jedn\u00e1 se o poplatek, kter\u00fd obdr\u017e\u00ed vydavatel karty. Mezibankovn\u00ed poplatek se vztahuje na ka\u017edou transakci p\u0159es platbu kartou, a\u0165 u\u017e je uskute\u010dn\u011bn\u00e1 na internetu, nebo v kamenn\u00e9m obchod\u011b. U karet, kter\u00e9 jsou vydan\u00e9 v EHP jsou mezibankovn\u00ed poplatky regulovan\u00e9, kde\u017eto na karty vydan\u00e9 mimo tento region se nevztahuje \u017e\u00e1dn\u00e1 regulace na mezibankovn\u00ed poplatky. V\u00fd\u0161e mezibankovn\u00edho poplatku je z\u00e1visl\u00e1 na typu karty, odeslan\u00fdch informac\u00ed, apod.<\/p>\n

Definice pro lidi<\/strong>: \u010casto se pt\u00e1te, kam miz\u00ed va\u0161e poplatky. Cel\u00e9 si je nenech\u00e1v\u00e1me – \u010d\u00e1st z nich spadne do ch\u0159t\u00e1nu bank\u00e1m. <\/div><\/div>\n

<\/span>Mobiln\u00ed platba<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Platba, kter\u00e1 je realizovan\u00e1 p\u0159es mobil. \u010c\u00e1stka je strh\u00e1v\u00e1na z p\u0159edplacen\u00e9ho kreditu, nebo je sou\u010d\u00e1st\u00ed faktury za vy\u00fa\u010dtovan\u00e9 slu\u017eby, kterou za\u0161le mobiln\u00ed oper\u00e1tor.<\/p>\n

Definice pro lidi<\/strong>: Zn\u00e1te jako m-platba, nebo premium sms. <\/div><\/div>\n

<\/span>Online dokumentace<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Online dokumentace je zdrojem v\u0161ech parametr\u016f, kter\u00e9 jsou pot\u0159ebn\u00e9 k programov\u00e1n\u00ed integrace. Popisuje, jak je \u0159e\u0161en\u00e9 API.<\/p>\n

Definice pro lidi<\/strong>: N\u00e1vod, jak postavit integraci. <\/div><\/div>\n

<\/span>Online platby<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Online platby je term\u00edn, kter\u00fd se pou\u017e\u00edv\u00e1 pro platby na internetu. Spadaj\u00ed sem ale pouze ty platby, kter\u00e9 jsou autorizov\u00e1ny ihned. Dojde tak\u00e9 k okam\u017eit\u00e9mu str\u017een\u00ed \u010d\u00e1stky z \u00fa\u010dtu dr\u017eitele karty. Pat\u0159\u00ed sem nap\u0159. platba kartou online, bankovn\u00ed tla\u010d\u00edtko, platba bitcoinem, nebo elektronickou pen\u011b\u017eenkou.<\/p>\n

Definice pro lidi<\/strong>: \u0160ikovn\u00e1 vychyt\u00e1vka, d\u00edky kter\u00e9 v\u00ed obchodn\u00edk o platb\u011b okam\u017eit\u011b a m\u016f\u017ee ihned za\u010d\u00edt chystat zbo\u017e\u00ed k expedici. <\/div><\/div>\n

<\/span>Open source<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Voln\u011b dostupn\u00fd zdrojov\u00fd k\u00f3d, kter\u00fd si mohou prohl\u00ed\u017eet v\u00fdvoj\u00e1\u0159i a d\u00e1le upravovat.<\/p>\n

Definice pro lidi<\/strong>: Voln\u011b dostupn\u00fd software nebo aplikace, v\u011bt\u0161inou zdarma ke sta\u017een\u00ed. <\/div><\/div>\n

<\/span>PCI DSS<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Payment Card Industry Data Security Standard je soubor mezin\u00e1rodn\u00edch bezpe\u010dnostn\u00edch pravidel, kter\u00e1 maj\u00ed za c\u00edl zamezit nespr\u00e1vn\u00e9mu nakl\u00e1d\u00e1n\u00ed \u010di \u00faniku citliv\u00fdch dat platebn\u00edch karet. Jde pom\u011brn\u011b o p\u0159\u00edsn\u00e1 pravidla, kter\u00e1 jsou ukl\u00e1d\u00e1n\u00e1 bank\u00e1m, finan\u010dn\u00edm instituc\u00edm, nebo platebn\u00edm br\u00e1n\u00e1m.<\/p>\n

Definice pro lidi<\/strong>: Je to takov\u00fd hl\u00eddac\u00ed pes, co m\u00e1 3 hlavy a star\u00e1 se o to, aby p\u0159es n\u011bj nepro\u0161lo to, co nem\u00e1. <\/div><\/div>\n

<\/span>Phishing<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Phishing je podvodn\u00e9 jedn\u00e1n\u00ed, kter\u00e9 se sna\u017e\u00ed z u\u017eivatel\u016f vyl\u00e1kat citliv\u00e9 \u00fadaje jako je PIN, telefonn\u00ed \u010d\u00edslo, \u010d\u00edslo karty. V drtiv\u00e9 v\u011bt\u0161in\u011b se odehr\u00e1v\u00e1 tak, \u017ee podvodn\u00edk si vytvo\u0159\u00ed fale\u0161n\u00fd \u00fa\u010det nap\u0159. na Facebooku, vyd\u00e1v\u00e1 se za va\u0161eho p\u0159\u00edtele a l\u00e1k\u00e1 z v\u00e1s v\u00fd\u0161e zm\u00edn\u011bn\u00e9 \u00fadaje. Phishingov\u00ed podovodn\u00edci c\u00edl\u00ed na emoce a neznalost internetov\u00e9 bezpe\u010dnosti. Proto nikdy nesd\u011blujte \u017e\u00e1dn\u00e9 \u00fadaje dal\u0161\u00ed osob\u011b.<\/p>\n

Definice pro lidi<\/strong>: „Ahoj tohle je m\u016fj nov\u00fd profil. Dej mi pls telefonn\u00ed \u010d\u00edslo, j\u00e1 si p\u0159es tebe n\u011bco po\u0161lu. Budu ale pot\u0159ebovat ten kod co ti tam p\u0159ijde<\/em>“ Ve va\u0161em telefonu se objev\u00ed: „POZOR PLATBA 1000 K\u010d. PIN je 12345. V\u00e1\u0161 oper\u00e1tor.<\/em>“ Takhle n\u011bjak vypad\u00e1 phishing. Jestli po\u0161lete k\u00f3d, m\u00e1te 1000 K\u010d v \u010dudu. <\/div><\/div>\n

<\/span>PIN<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Personal Identification Number je ozna\u010den\u00ed k\u00f3du, kter\u00fd se zad\u00e1v\u00e1 p\u0159i bezhotovostn\u00edch platb\u00e1ch p\u0159es platebn\u00ed termin\u00e1ly, nebo pokud vyb\u00edr\u00e1te pen\u00edze z bankomatu. Slou\u017e\u00ed jako p\u0159\u00edstup k va\u0161\u00ed platebn\u00ed kart\u011b. PIN ale zad\u00e1v\u00e1te i v p\u0159\u00edpad\u011b, kdy zap\u00edn\u00e1te sv\u016fj mobiln\u00ed telefon, nebo se touto zkratkou ozna\u010duj\u00ed i vstupn\u00ed k\u00f3dy.<\/p>\n

Definice pro lidi<\/strong>: Zadejte OK PIN OK<\/em>. Hl\u00e1\u0161ka ka\u017ed\u00e9 prodava\u010dky, kterou asi u\u017e nikdo nesma\u017eeme z hlavy. <\/div><\/div>\n

<\/span>Platba kartou online<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Ozna\u010duje platbu na internetu, pro jej\u00ed\u017e realizaci je pou\u017eita platebn\u00ed karta.<\/p>\n

Definice pro lidi<\/strong>: Kdy\u017e plat\u00edte na e-shopu kartou, tak plat\u00edte online. <\/div><\/div>\n

<\/span>Platebn\u00ed br\u00e1na<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: M\u00edsto pro v\u0161echny plat\u00edc\u00ed z\u00e1kazn\u00edky, kte\u0159\u00ed si p\u0159ej\u00ed \u00fasp\u011b\u0161n\u011b dokon\u010dit platbu za objedn\u00e1vku. Je to speci\u00e1ln\u00ed rozhran\u00ed platebn\u00edho syst\u00e9mu, kter\u00e9 centralizuje ve\u0161ker\u00e9 dostupn\u00e9 platebn\u00ed metody v jedin\u00e9 m\u00edsto a zaji\u0161\u0165uje komunikaci mezi zvolenou platebn\u00ed metodou a \u0159e\u0161en\u00edm aplikace obchodn\u00edka.<\/p>\n

Definice pro lidi<\/strong>: D\u00e1lnice, p\u0159es kterou nadzvukov\u00fdm pohonem l\u00e9taj\u00ed platby sem a tam. <\/div><\/div>\n

<\/span>POS<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Point of sale. M\u00edsto, kde z\u00e1kazn\u00edk plat\u00ed kartou, nap\u0159. v kamenn\u00e9 obchod\u011b. Tak\u00e9 ozna\u010duje platebn\u00ed termin\u00e1l.<\/p>\n

Definice pro lidi<\/strong>: M\u00edsto, kam p\u0159ilo\u017e\u00edte svou kartu, kdy\u017e plat\u00edte. <\/div><\/div>\n

<\/span>Protistrana<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Protistrana p\u0159edstavuje subjekt, na jeho\u017e \u00fa\u010det jsou p\u0159ips\u00e1ny prost\u0159edky a naopak. Pokud pos\u00edl\u00e1te nebo p\u0159ij\u00edm\u00e1te platby, v\u017edy ve v\u00fdpise uvid\u00edte prostistranu – subjekt, od kter\u00e9ho jste pen\u00edze p\u0159ijali, nebo mu je zas\u00edlali.<\/p>\n

Definice pro lidi<\/strong>: Na platbu mus\u00ed b\u00fdt v\u017edy dva. V\u00e1\u0161 prot\u011bj\u0161ek je ozna\u010den jako protistrana. <\/div><\/div>\n

<\/span>PSD2<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Nov\u00e1 bankovn\u00ed sm\u011brnice, kter\u00e1 bank\u00e1m na\u0159izuje zp\u0159\u00edstupnit sv\u00e1 API. PSD2 m\u00e1 za c\u00edl spojovat banky a fintech. <\/span><\/p>\n

Definice pro lidi<\/strong>: V kulo\u00e1rech se \u0161u\u0161k\u00e1, \u017ee jde o bankovn\u00ed revoluci. Tak uvid\u00edme v lednu 2018. <\/div><\/div><\/span><\/p>\n

<\/span>Redirect platebn\u00ed br\u00e1na<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Varianta platebn\u00ed br\u00e1ny, kter\u00e1 plat\u00edc\u00edho z\u00e1kazn\u00edka p\u0159esm\u011bruje z prodejn\u00edho m\u00edsta (e-shopu) na web platebn\u00ed br\u00e1ny. V podstat\u011b se jedn\u00e1 o mezikrok, kter\u00fd ne v\u017edy m\u016f\u017ee b\u00fdt pro z\u00e1kazn\u00edka p\u0159\u00edjemn\u00fd. <\/span><\/p>\n

Definice pro lidi<\/strong>: Platebn\u00ed br\u00e1na se nezobraz\u00ed na str\u00e1nce e-shopu, ale na samostatn\u00e9 str\u00e1nce. <\/div><\/div><\/span><\/p>\n

<\/span>Refundace<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Znamen\u00e1 vr\u00e1cen\u00ed platby. Prov\u00e1d\u00ed ji obchodn\u00edk, pokud o ni z\u00e1kazn\u00edk po\u017e\u00e1d\u00e1. Pou\u017e\u00edv\u00e1 se i term\u00edn storno. <\/span><\/p>\n

Definice pro lidi<\/strong>: Hod\u00ed, kdy\u017e si chcete objedn\u00e1vku rozmyslet, ale je u\u017e p\u011bt minut po 12. <\/div><\/div><\/span><\/p>\n

<\/span>SEPA<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Term\u00edn, kter\u00fd ozna\u010duje jednotnou oblast pro platby v eurech (Single Euro Payment Area). C\u00edlem je vytvo\u0159it finan\u010dn\u00ed infrastrukturu pro snadn\u00e9 pos\u00edl\u00e1n\u00ed bezhotovostn\u00edch plateb. <\/span><\/p>\n

Definice pro lidi<\/strong>: Bez SEPA by pos\u00edl\u00e1n\u00ed plateb bylo asi slo\u017eit\u011bj\u0161\u00ed. <\/div><\/div><\/span><\/p>\n

<\/span>SSL<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Secure Socket Layer je syst\u00e9m, kter\u00fd \u0161ifruje data pos\u00edlan\u00e1 p\u0159es internet, nap\u0159. platebn\u00ed \u00fadaje a hesla. SSL za\u0159\u00edd\u00ed, aby do komunikace mezi prohl\u00ed\u017ee\u010dem a serverem nevstoupil nezvan\u00fd host. <\/span><\/p>\n

Definice pro lidi<\/strong>: SSL je superhrdina s velk\u00fdm obrann\u00fdm \u0161t\u00edtem, kter\u00fd odr\u00e1\u017e\u00ed nep\u0159\u00edtele a zabra\u0148uje mu, aby se dostal do kontaktu s v\u00e1mi. <\/div><\/div><\/span><\/p>\n

<\/span>Surcharging<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: P\u0159en\u00e1\u0161en\u00ed poplatku za platebn\u00ed metodu na z\u00e1kazn\u00edka. Je to nekal\u00e9 jedn\u00e1n\u00ed obchodn\u00edka, kter\u00e9 karetn\u00ed asociace d\u016fsledn\u011b zakazuj\u00ed a pot\u00edraj\u00ed. <\/span><\/p>\n

Definice pro lidi<\/strong>: Kdy\u017e si e-shop kompenzuje slevy zbo\u017e\u00ed na tom, \u017ee zpoplatn\u00ed platebn\u00ed metodu za jeho n\u00e1kup.<\/div><\/div><\/span><\/p>\n

<\/span>SWIFT<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Syst\u00e9m pro p\u0159enos dat mezi bankami a finan\u010dn\u00edmi institucemi. Ka\u017ed\u00e1 banka pou\u017e\u00edv\u00e1 sv\u016fj jedine\u010dn\u00fd k\u00f3d – BIC.<\/span><\/p>\n

Definice pro lidi<\/strong>: Je to letadlo, kter\u00e9 p\u0159eprav\u00ed va\u0161i platbu kamkoli. <\/div><\/div><\/span><\/p>\n

<\/span>Vydavatelsk\u00e1 banka<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Banka, kter\u00e1 vydala platebn\u00ed kartu. V p\u0159\u00edpad\u011b dr\u017eitele karty se jedn\u00e1 o jeho banku, u kter\u00e9 m\u00e1 z\u0159\u00edzen\u00fd \u00fa\u010det. <\/span><\/p>\n

Definice pro lidi<\/strong>: Jste \u0161\u0165astn\u00fdm majitelem platebn\u00ed karty? Pak je va\u0161e banka vydavatelem va\u0161\u00ed karty. \u00a0<\/div><\/div><\/span><\/p>\n

<\/span>Zpracovatelsk\u00e1 finan\u010dn\u00ed instituce<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Zpracovatelsk\u00e1 finan\u010dn\u00ed insituce je banka nebo organizace, kter\u00e1 p\u0159ij\u00edm\u00e1 platby kartou. <\/span><\/p>\n

Definice pro lidi<\/strong>: Banky po\u0159\u00e1d pot\u0159ebuj\u00ed n\u011bjak\u00e9 hogo fogo v\u00fdrazy. Tenhle je jeden z nich. <\/div><\/div><\/span><\/p>\n

<\/span>\u017divotnost platby<\/div>
Ofici\u00e1ln\u00ed definice<\/strong>: Je ur\u010dit\u00fd \u010dasov\u00fd limit, ve kter\u00e9m je nutno platbu dokon\u010dit. R\u016fzn\u00e9 platebn\u00ed metody maj\u00ed r\u016fzn\u00e9 \u010dasov\u00e9 limity, tj. \u017eivotnost. Po vypr\u0161en\u00ed limitu nen\u00ed mo\u017en\u00e9 platbu dokon\u010dit. Je nutn\u00e9 zalo\u017eit platbu novou, pokud chce z\u00e1kazn\u00edk objedn\u00e1vku dokon\u010dit.<\/span><\/p>\n

Definice pro lidi<\/strong>: I platby maj\u00ed sv\u016fj vym\u011b\u0159en\u00fd \u010das. Nejkrat\u0161\u00ed \u010das je vym\u011b\u0159en platb\u00e1m kartou, naopak nejd\u00e9le \u017eij\u00edc\u00ed jsou bankovn\u00ed p\u0159evody nebo platby p\u0159es termin\u00e1l Sazky. <\/div><\/div><\/span><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

PCI DSS, PSD2, fintech, vydavatelsk\u00e1 banka… Tu a tam se ve sv\u011bt\u011b online plateb mihne pojem \u010di zkratka, kter\u00fdm \u010dasto nen\u00ed rozum\u011bt. Abyste se spr\u00e1vn\u011b orientovali, vyplat\u00ed se n\u011bkolik slov\u00ed\u010dek zn\u00e1t. 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