{"id":5125,"date":"2018-11-28T08:25:36","date_gmt":"2018-11-28T07:25:36","guid":{"rendered":"https:\/\/www.gopay.com\/blog\/?p=5125"},"modified":"2025-06-24T15:39:35","modified_gmt":"2025-06-24T13:39:35","slug":"proc-se-nebat-psd2-a-novych-platebnich-sluzeb","status":"publish","type":"post","link":"https:\/\/www.gopay.com\/blog\/proc-se-nebat-psd2-a-novych-platebnich-sluzeb\/","title":{"rendered":"Pro\u010d se neb\u00e1t PSD2 a nov\u00fdch platebn\u00edch slu\u017eeb"},"content":{"rendered":"

PSD2 je jednou z nejv\u011bt\u0161\u00edch ud\u00e1lost\u00ed v platebn\u00edm sv\u011bt\u011b za posledn\u00edch 15 let.<\/p>\n

Ve zkratce se jedn\u00e1 o sm\u011brnici, kter\u00e1 otev\u00edr\u00e1 nov\u00e9 mo\u017enosti nejen poskytovatel\u016fm platebn\u00edch slu\u017eeb, jako jsou banky nebo platebn\u00ed br\u00e1ny, ale i dal\u0161\u00edm subjekt\u016fm, pro kter\u00e9 byl d\u0159\u00edve trh platebn\u00edch slu\u017eeb uzav\u0159en.<\/p>\n

Jak\u00fd u\u017eitek nov\u00e9 platebn\u00ed slu\u017eby p\u0159in\u00e1\u0161ej\u00ed a jsou v\u016fbec bezpe\u010dn\u00e9?<\/p>\n

V \u010dl\u00e1nku v\u00e1m pop\u00ed\u0161eme n\u00e1\u0161 pohled na tuto sm\u011brnici.<\/p>\n

<\/p>\n\n

Co je PSD2 a jak\u00e9 p\u0159in\u00e1\u0161\u00ed mo\u017enosti?<\/h2>\n

PSD2 (Payment Service Directive)<\/a> je druh\u00e1 sm\u011brnice Evropsk\u00e9 Unie o platebn\u00edch slu\u017eb\u00e1ch. Tato sm\u011brnice byla navr\u017eena Evropskou komis\u00ed a schv\u00e1lena Evropsk\u00fdm parlamentem v \u0159\u00edjnu roku 2015. Jej\u00edm c\u00edlem je vytvo\u0159it jednotn\u00fd integrovan\u00fd trh pro platebn\u00ed slu\u017eby<\/strong> a otev\u0159\u00edt jej pro nov\u00e9 poskytovatele platebn\u00edch slu\u017eeb, kte\u0159\u00ed p\u0159ich\u00e1zej\u00ed na trh zejm\u00e9na v d\u016fsledku dostupnosti nov\u00fdch digit\u00e1ln\u00edch technologi\u00ed. Sm\u011brnice se zam\u011b\u0159uje p\u0159edev\u0161\u00edm na zp\u016fsob prov\u00e1d\u011bn\u00ed on-line plateb<\/strong> a poskytov\u00e1n\u00ed informac\u00ed<\/strong> v platebn\u00edm styku.<\/p>\n

PSD2 p\u0159ivedla na sv\u011bt dv\u011b nov\u00e9 slu\u017eby: slu\u017ebu nep\u0159\u00edm\u00e9ho d\u00e1n\u00ed platebn\u00edho p\u0159\u00edkazu<\/strong> a slu\u017ebu informov\u00e1n\u00ed o platebn\u00edm \u00fa\u010dtu<\/strong>.<\/p>\n

Slu\u017eba nep\u0159\u00edm\u00e9ho d\u00e1n\u00ed platebn\u00edho p\u0159\u00edkazu p\u0159edstavuje slu\u017ebu, kdy t\u0159et\u00ed strana, kter\u00e9 k tomu d\u00e1te v\u00fdslovn\u00fd souhlas, za v\u00e1s zajist\u00ed p\u0159eveden\u00ed dohodnut\u00e9 \u010d\u00e1stky z va\u0161eho \u00fa\u010dtu na jin\u00fd.<\/strong><\/p>\n

Slu\u017eba informov\u00e1n\u00ed o platebn\u00edm \u00fa\u010dtu zase umo\u017e\u0148uje t\u0159et\u00ed stran\u011b \u010dten\u00ed informac\u00ed o va\u0161em \u00fa\u010dtu<\/strong>, resp. o pohybech na tomto \u00fa\u010dtu, op\u011bt za p\u0159edpokladu, \u017ee s t\u00edm budete souhlasit.<\/p>\n

Pro\u010d byste ale m\u011bli n\u011bkomu otv\u00edrat svoje bankovnictv\u00ed, aby za v\u00e1s vykonal tak jednoduchou operaci, jako je vypln\u011bn\u00ed p\u0159evodn\u00edho p\u0159\u00edkazu? Pro\u010d by v\u00e1s m\u011bla n\u011bjak\u00e1 t\u0159et\u00ed strana informovat o tom, kolik m\u00e1te pen\u011bz na \u00fa\u010dtu, kdy\u017e to jedn\u00edm pohledem do internetov\u00e9ho bankovnictv\u00ed m\u016f\u017eete zjistit sami? Co tedy PSD2 p\u0159in\u00e1\u0161\u00ed tak z\u00e1zra\u010dn\u00e9ho, \u017ee se o tom v\u0161ude mluv\u00ed?<\/p>\n

PSD2 otev\u00edr\u00e1 pole p\u016fsobnosti nejen pro banky<\/strong>, ale zejm\u00e9na nebankovn\u00ed subjekty<\/strong>, aby vymyslely a naprogramovaly aplikace, kter\u00e9 v\u00e1m podstatn\u011b uleh\u010d\u00ed spr\u00e1vu va\u0161ich financ\u00ed<\/strong>. A to je ud\u00e1lost srovnateln\u00e1 s t\u00edm, kdy\u017e jsme p\u0159ed 15 lety p\u0159estali chodit do bank a za\u010dali pou\u017e\u00edvat internetov\u00e9 bankovnictv\u00ed.<\/p>\n

Jsou nov\u00e9 platebn\u00ed slu\u017eby bezpe\u010dn\u00e9?<\/h2>\n

Z\u016fst\u00e1v\u00e1 v\u0161ak ot\u00e1zka, zda je sd\u00edlen\u00ed va\u0161ich dat s t\u0159et\u00edmi stranami bezpe\u010dn\u00e9.<\/p>\n

T\u0159et\u00ed stranou<\/a> se rozum\u00ed n\u011bkdo dal\u0161\u00ed, kdo m\u00e1 p\u0159\u00edstup k va\u0161emu bankovnictv\u00ed (tedy krom\u011b v\u00e1s a va\u0161\u00ed banky). U nov\u00fdch platebn\u00edch slu\u017eeb, jak\u00e9 PSD2 p\u0159in\u00e1\u0161\u00ed, sd\u00edl\u00edte s t\u0159et\u00ed stranou nap\u0159. va\u0161e p\u0159ihla\u0161ovac\u00ed \u00fadaje do bankovnictv\u00ed<\/strong>. A to jsou pekeln\u011b citliv\u00e1 data, o kter\u00e1 se zpravidla nechcete d\u011blit ani s rodinn\u00fdmi p\u0159\u00edslu\u0161n\u00edky, nato\u017e s n\u011bk\u00fdm \u00fapln\u011b ciz\u00edm.<\/p>\n

Otev\u0159en\u00ed internet bankingu v\u0161ak nemus\u00ed nutn\u011b znamenat, \u017ee t\u0159et\u00ed strana z\u00edsk\u00e1 p\u0159\u00edstup do v\u0161ech va\u0161ich financ\u00ed a bude m\u00edt tak kompletn\u00ed p\u0159ehled o jejich stavu. Dnes je b\u011b\u017en\u00e9, \u017ee z\u00e1kazn\u00edci maj\u00ed rozd\u011blen\u00e9 sv\u00e9 finance mezi r\u016fzn\u00e9 typy \u00fa\u010dt\u016f, p\u0159\u00edpadn\u011b pen\u011b\u017en\u00ed \u00fastavy, a tak je mo\u017en\u00e9 jistou \u010d\u00e1st prost\u0159edk\u016f odklonit a ponechat ji v\u00fdhradn\u011b ve spr\u00e1v\u011b tradi\u010dn\u00edho bankovn\u00edho syst\u00e9mu a pro nov\u00e9 slu\u017eby vy\u010dlenit pouze takovou \u010d\u00e1st prost\u0159edk\u016f, se kter\u00fdmi chcete disponovat operativn\u011b.<\/p>\n

Poskytovatel\u00e9 nov\u00fdch platebn\u00edch slu\u017eeb mus\u00ed citliv\u00e1 data \u0159\u00e1dn\u011b zabezpe\u010dit<\/h3>\n

V\u0161echny subjekty, kter\u00e9 cht\u011bj\u00ed poskytovat nov\u00e9 platebn\u00ed slu\u017eby, mus\u00ed m\u00edt zaveden\u00e9 \u0159\u00e1dn\u00e9 postupy<\/strong>, kter\u00e9 zabezpe\u010duj\u00ed, \u017ee citliv\u00e9 \u00fadaje nebudou zneu\u017eity. Za \u0159\u00e1dn\u00e9 postupy rozhodn\u011b nelze pova\u017eovat situaci, kdy do organiza\u010dn\u00edho \u0159\u00e1du firmy nap\u00ed\u0161ete, \u017ee \u201cV datab\u00e1zi XY jsou ulo\u017een\u00e9 citliv\u00e9 \u00fadaje a vy, mil\u00ed zam\u011bstnanci, se na n\u011b nesm\u00edte koukat a kdo se na n\u011b pod\u00edv\u00e1, bude p\u0159\u00edsn\u011b potrest\u00e1n.\u201d<\/em><\/p>\n

Syst\u00e9my, kter\u00e9 zpracov\u00e1vaj\u00ed citliv\u00e9 \u00fadaje o platb\u00e1ch (jako nap\u0159. syst\u00e9m platebn\u00ed br\u00e1ny GoPay), mus\u00ed b\u00fdt vymy\u0161len\u00e9 a postaven\u00e9 tak, aby bylo vylou\u010deno jejich zneu\u017eit\u00ed. Principi\u00e1ln\u011b se jedn\u00e1 se o aplikaci v\u00edce\u00farov\u0148ov\u00e9 ochrany<\/strong>, kdy ten, kdo se k dat\u016fm dostane (administr\u00e1tor), jim nesm\u00ed rozum\u011bt (data mus\u00ed b\u00fdt zak\u00f3dov\u00e1na), a kdo je um\u00ed dek\u00f3dovat (program\u00e1tor), se k nim nesm\u00ed dostat. A nad t\u00edm v\u0161\u00edm mus\u00ed bd\u00edt monitorovac\u00ed syst\u00e9m, kter\u00fd loguje ve\u0161ker\u00e9 operace, kter\u00e9 s daty prob\u011bhly, a pod\u00e1v\u00e1 o t\u00e9 \u010dinnosti zpr\u00e1vy. A cel\u00fd syst\u00e9m mus\u00ed b\u00fdt je\u0161t\u011b dopln\u011bn syst\u00e9mem v\u00edcevrstv\u00e9 kontroly kombinuj\u00edc\u00edm technick\u00e1, procesn\u00ed a organiza\u010dn\u00ed opat\u0159en\u00ed tak, aby nebylo mo\u017en\u00e9 kontrolu obej\u00edt prost\u00fdm vy\u0159azen\u00edm jedn\u00e9 vrstvy.<\/p>\n

Citliv\u00e1 data se prost\u011b nem\u016f\u017eou ukl\u00e1dat jako hromada koksu na dvorku, ze kter\u00e9 si ka\u017ed\u00fd vezme, co se mu pr\u00e1v\u011b hod\u00ed.<\/p>\n

P\u0159esto\u017ee v\u00fd\u0161e popsan\u00e9 principy jsou relativn\u011b jednoduch\u00e9 a des\u00edtky let osv\u011bd\u010den\u00e9, jejich aplikace v praxi je p\u011bkn\u00fd \u201eopruz\u201c. Vy\u017eaduj\u00ed toti\u017e nejen zm\u011bnu my\u0161len\u00ed a pracovn\u00edch postup\u016f, ale takov\u00e9mu \u00fa\u010delu p\u0159izp\u016fsobenou architekturu aplikace i infrastruktury, na kter\u00e9 samotn\u00e1 aplikace b\u011b\u017e\u00ed. Proto\u017ee b\u011b\u017en\u00fd u\u017eivatel nen\u00ed schopen rozpoznat, do jak\u00e9 m\u00edry poskytovatel slu\u017eeb skute\u010dn\u011b spl\u0148uje deklarovan\u00e1 opat\u0159en\u00ed a do jak\u00e9 m\u00edry jsou jeho prohl\u00e1\u0161en\u00ed pouze marketingov\u00fdmi hesly, vstupuj\u00ed do hry certifik\u00e1ty nez\u00e1visl\u00fdch auditor\u016f<\/strong>, kter\u00e9 by m\u011bly poskytnout alespo\u0148 z\u00e1kladn\u00ed informaci o tom, jak si kter\u00fd poskytovatel na poli zabezpe\u010den\u00ed stoj\u00ed.<\/p>\n

Obecn\u00fd certifik\u00e1t \u0159ady ISO 27000<\/strong> sice nazna\u010duje, \u017ee spole\u010dnost se o problematiku datov\u00e9 bezpe\u010dnosti alespo\u0148 n\u011bjak zaj\u00edm\u00e1, v oblasti ochrany citliv\u00fdch \u00fadaj\u016f o platb\u00e1ch v\u0161ak nic negarantuje. L\u00e9pe jsou na tom ty subjekty, kter\u00e9 pro\u0161ly certifikac\u00ed nap\u0159. na PCI-DSS (Payment Card Industry Data Security Standard)<\/a>, co\u017e ji\u017e dokazuje, \u017ee maj\u00ed zaveden\u00e9 postupy, aby nikdo nemohl zneu\u017e\u00edt citliv\u00e9 \u00fadaje o platebn\u00edch kart\u00e1ch, a \u017ee krom\u011b jejich pracovn\u00edch postup\u016f a organizaci pr\u00e1ce vyhovuje bezpe\u010dnostn\u00edm po\u017eadavk\u016fm i platebn\u00ed aplikace. To v praxi nap\u0159\u00edklad obn\u00e1\u0161\u00ed, \u017ee i kdy\u017e zad\u00e1v\u00e1te do webov\u00e9ho formul\u00e1\u0159e \u010d\u00edslo va\u0161\u00ed platebn\u00ed karty (tzv. PAN \u2013 Primary Account Number) a dal\u0161\u00ed \u00fadaje v nezak\u00f3dovan\u00e9 a snadno \u010diteln\u00e9 podob\u011b, po opu\u0161t\u011bn\u00ed formul\u00e1\u0159e se ji\u017e toto \u010d\u00edslo ani dal\u0161\u00ed citliv\u00e9 \u00fadaje nikdy a nikde v platebn\u00edm syst\u00e9mu neobjev\u00ed, proto\u017ee jsou r\u016fzn\u00fdmi algoritmy za\u0161ifrov\u00e1ny a navz\u00e1jem odd\u011bleny<\/strong>.<\/p>\n

Dohled regul\u00e1tora a z\u00edsk\u00e1n\u00ed licence<\/h3>\n

Posledn\u00edm \u010dl\u00e1nkem, kter\u00fd garantuje bezpe\u010dnost platebn\u00edch syst\u00e9m\u016f, je regul\u00e1tor<\/strong>, v na\u0161em p\u0159\u00edpad\u011b \u010cesk\u00e1 n\u00e1rodn\u00ed banka.<\/strong><\/p>\n

V\u0161ichni \u017eadatel\u00e9 o licenci k poskytov\u00e1n\u00ed nov\u00fdch platebn\u00edch slu\u017eeb jsou bez ohledu na dosavadn\u00ed referen\u010dn\u00ed zku\u0161enosti podrobeni velmi zevrubn\u00e9mu licen\u010dn\u00edmu \u0159\u00edzen\u00ed.<\/strong> B\u011bhem \u0159\u00edzen\u00ed mus\u00ed tito \u017eadatel\u00e9 prok\u00e1zat, \u017ee jsou schopni plnit po\u017eadavky dan\u00e9 nejen z\u00e1konem o platebn\u00edm styku, ale i n\u00e1vazn\u00fdch evropsk\u00fdch p\u0159edpis\u016f, sm\u011brnic a standard\u016f.<\/p>\n

Proces licen\u010dn\u00edho \u0159\u00edzen\u00ed je velmi zdlouhav\u00fd a komplikovan\u00fd. O jeho n\u00e1ro\u010dnosti sv\u011bd\u010d\u00ed i fakt, \u017ee dosud v \u010cR nen\u00ed subjekt, kter\u00fd by t\u00edmto procesem za v\u00edce ne\u017e 10 m\u011bs\u00edc\u016f od platnosti nov\u00e9ho z\u00e1kona \u00fasp\u011b\u0161n\u011b pro\u0161el.<\/p>\n

UPDATE<\/strong>: V z\u00e1\u0159\u00ed 2019 jsme jako prvn\u00ed \u010desk\u00e1 platebn\u00ed br\u00e1na<\/strong> z\u00edskali licenci \u010cNB pro poskytov\u00e1n\u00ed platebn\u00edch slu\u017eeb v kontextu sm\u011brnice PSD2<\/a>.<\/p>\n

Z\u00e1v\u011br<\/h2>\n

Nov\u00fdch platebn\u00edch slu\u017eeb se ur\u010dit\u011b nemus\u00edte b\u00e1t<\/strong>.<\/p>\n

Nem\u016f\u017eeme mluvit za zahrani\u010dn\u00ed trh, ale co se t\u00fd\u010de poskytovatel\u016f slu\u017eeb licencovan\u00fdch v \u010cesk\u00e9 republice, v\u011b\u0159te tomu, \u017ee se \u010cesk\u00e1 n\u00e1rodn\u00ed banka o prov\u011b\u0159en\u00ed poskytovatele p\u0159ed ud\u011blen\u00edm licence dob\u0159e postar\u00e1.<\/p>\n","protected":false},"excerpt":{"rendered":"

PSD2 je jednou z nejv\u011bt\u0161\u00edch ud\u00e1lost\u00ed v platebn\u00edm sv\u011bt\u011b za posledn\u00edch 15 let. Ve zkratce se jedn\u00e1 o sm\u011brnici, kter\u00e1 otev\u00edr\u00e1 nov\u00e9 mo\u017enosti nejen poskytovatel\u016fm platebn\u00edch slu\u017eeb, jako jsou banky nebo platebn\u00ed br\u00e1ny, ale i dal\u0161\u00edm subjekt\u016fm, pro kter\u00e9 byl d\u0159\u00edve trh platebn\u00edch slu\u017eeb uzav\u0159en. Jak\u00fd u\u017eitek nov\u00e9 platebn\u00ed slu\u017eby p\u0159in\u00e1\u0161ej\u00ed a jsou v\u016fbec bezpe\u010dn\u00e9?\u010c\u00edst d\u00e1le<\/a><\/p>\n","protected":false},"author":17,"featured_media":5142,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,40],"tags":[],"coauthors":[23],"class_list":["post-5125","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktuality-novinky-platebni-brana-gopay","category-platebni-metody-technologie"],"acf":[],"yoast_head":"\nPro\u010d se neb\u00e1t PSD2 a nov\u00fdch platebn\u00edch slu\u017eeb | GoPay blog<\/title>\n<meta name=\"description\" content=\"PSD2 je jednou z nejv\u011bt\u0161\u00edch ud\u00e1lost\u00ed v platebn\u00edm sv\u011bt\u011b za posledn\u00edch 15 let. 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