Мировой опыт использования банковских пластиковых карточек и его применение в России

???????? ???????? ???????? ????????? ????????.???? ?????? ??????????????? ??? 15-20% ???????. ????? ?? ??????????? ?????????? ?????????? ?? 20 ?? 50 ???????? ??? ? ???.????????? ????????, ??? ???????, ???????? ??????? ??? ??????? ??????? ?????????? ???????????????? ??????????? ?????????? ? ??????? ????????. ????? ???????????? ???????????? ?? ?????????? ??????? ? ????? ? ????? ???? ? ?????????? ????????, ???? ?????? ??????????? ?? ??????????, ???? ????????, ???? ??????? ????? ??????? ??????????? ??????, ???? ????? ?????????? ??? ??????????? ???????? 3-5 ????? ???????? ??? ? ?????,

AMERICAN EXPRESS

?????? “????????????” ????????? ????????, ??? ?????? ??????? ?????? ????? ???????????? ??? ?????????? ????????? ????????, ?? ??????? ??????????? ????????? ??????? ?????????? ????? ???????, ? ??? ????????? ???????? ???????? ??erican ??press. ?? ??????????? ????? ?????????? ????????? ????????? ????? ? ??????? 30-60 ???????? ???. ??????? ???-???? ?? ????? ????????, ?????? ????? ????? ?? ????? ?? ????? ?????????? ????? ??????????? ?????, ?? ? ??????? ?? ?????????? “????????????” ????????? ???????? ?? ?? ???????? ?? ???????? ?????????????? ??????, ?????????????? ?? ????????? ?????. ?????? ?????? ???????? ???????? ??? ????? ? ??????? 30 ???? ????? ?????????? ??????? ?? ????????. ?? ?????? ????? ??????????? ??????? ? ??????? ????? ?????? ???????? ?????????? ??????. ? ?????? ????????? ? ??????? ???????? ??????? “????????” ????????. ?????, ??????? ????? ???????? ?? ???????? ?????? ????, ?????????? ???????? ??????? ?? ????? ??????? ( ???? ???????? ???????? ???????? ) ??? ???????? ?????, ?? ??????? ????? ???? ????????, ???? ?? ?? ????????? ?????????????????? ???????. ????? ???????, ???? ??? ???????? ???????? ????? ??????????? ?? ????????? ????? ? ???????? ????????, ?? ?????? ??????? ? ????? ??????? ??????? ???????? ???????. ?????? ????????? ???????? ?????????? ???????? ????????? ? ????? ???? ????? ?? ??????????? ???????? ? ?????????? ??? ????? ?????????? ?? ?? ?????????, ?? ????????? ???????? ??????. ??? ???????? ??????????????? ????? ????? ?? ????????????? ????????? ??? ????????? ???????? ??????????? ????, ??? ? ???????, ????? ????? ??????? ?????????????? ? ?????. ?????? ?? ???? ??????? ?????? ????? ??????? ?? ??????????? ????????? ??????? ????????.

“???????” ????????? ????????

???????, ????????? ???????????? ??????????? ??? ????????, ????? ???????? “???????” ????????? ????????, ?????????? ?????, ??????? ???????????? ??????????? ?????. ? ???????? ????????? ?????????, ????????, American Express Gold Card, Gold Mastercard ? VISA VIP. “???????” ???????? ???????????? ????????? ?????????????? ???? ?????: - ??????????? ???????????? ??? ????????; - ?????????? ??????? ?????? ????? ???????? ( ??? ???????? ?????????????????? ????????? ); - ??????????? ?????????? ??????, ??????????? ? ??????? ????????? ????????, ?? ??????, ???? ????? ????????? ??????? ( ??? ???????- ?????????? ????????? ????? ???????? ?????? ?? ?????? ???? ) - ??????????? ??????????? ?????????????? ?????????? ????? ??????? ? ????????? ?? ???? ??????????; - ?????? ????????? ? ?????????? ???????? ? ??????? ???? ??????? ????; - ????????? ?????????? ?? ????????? ????????; ????????, ???????? American E?press Gold Card ????? ???????? ?????????? ? ???????: - ?? 1000 ???????? ??? ? ?????? ? 15000 ?????????? ?????? ? ??? ? ??????; - ?? 5000 ???????? ??? ? ???? ?????????? ? ????? ????????????? ? ????? ?? 14000 ?????? American Express ? 130 ???????; - ?? 50000 ???????? ??? ? ?????? - ? ????? ?? 14000 ?????????? ?? ?????????? ???.

5. ??????????? ?????????????? ?????-???????? ? ??????? ???????????

5.1. ????????? ????????? ??????? UNION CARD

????????? ?????? ????????? "ISSUER" ???????????? ?????????? ??????????? ?????????? ?????????????? ????? ?????? - ????????? ? ??????? ??????????? (???.4).

+--> +------------+ +----------+ :-->+------------+ ¦ +----------+ ¦ +--¦ +--------------+ +-+ +------------+ ¦ ¦ ¦ +->¦ ???????? +-+ ¦ ???????? ¦ +-+ ¦ +--------------+ ¦ ????? +-+ ¦ +-------------------+ +------------+ ¦ +------------------+ ¦ ¦ +----------------------+ ¦ ¦ ¦?1¦?2¦?3¦ ........ ¦?N¦ ¦ ¦ +----------------------¦ ¦ +------------------>¦ ????.????? ????????? ¦ ¦ +---->¦ ????????? ???? ¦ ¦ ¦ +----------------------+ ¦ ¦ ¦ ????? ??????????? ¦<-----------+ ¦ ¦ ¦<-----------+ ¦ +--------------------+ ¦ ¦ ¦ ¦ ¦ ¦ ¦ ¦ +-------------+ +--------------------------------->¦?????? ??????+-+ ¦->¦ ???????? ¦ +-+ ¦->+-------------+ ¦ ¦ ¦-> +------------+ ¦ +-> +-----------+

---> - ?????????????? ??????

---> - ???????? ??????

???. 4

?) ????-??????? ????????? ? ????????? ????? ???????? ? ???????? ????. ????? ? ????????? ?? ??? ????????? ?????. ????? ??????? ?? ????. ????? ?????? ???? ??????????? ??? ????, ????? ????????? ???? ??? ??? ???????? ???????? ???????? ?? ????????? ?????-???????? ????? ????? ?????????????? ?????????? ??????? ???????????. ??? ????? ?????????? ???????? ????????, ????? 100 ????????????? ??????? ?? ????? 1/10 ????? ?????????? ?????????? ?????? ???? ????. ??????? ?? ?????? ????????? ?????????? ?????? ?? ????. ????? ? ????????? ?????. ????? ??????????? ?? ?????????? ?????????? ????? ???????????? ??????? ?? ????. ????? ???????? ??? ?????? ??????????? (????? ??????? ?? ??????????? ???????????? ??????? ? ???????? ?? ????????, ? ????? ? ???????? ?? ????. ????? ????????). ???? ???? ?? ?????, ????? ??? ???????? ???? ????????? ???????? ?? ????????? ?? ??????? ???????? ??????? ?? ????. ?????, ?? ?????? ??????? ???????????? ? ??? ??????????.

b) ????????? ???? ????? ????????? ???????? ? ????. ????? ????? ? ?????????? ?? ?? ?????? ? ???????? ????? ?? ????????? ??????????, ??????????????? ??????? ???????????.

?) ????-??????? ???????? ?????? ??????????? ????????? ??????????? ?? ???????? ?? ???????? ???? ? ??????? ?????? ????????. ??? ????? ????? ??????????? ?????? ? ????? ???? ?????? ?????????? ?? ???? ????????? ???? ??????-????????? ?????? ??????? (?? ?????? ???????? ???????? ?????? ?? ??????????, ??????? ????????? ??? ?????????? ????????? ???????????).

d) ????-??????? ? ????? ??????????? ????????? ???????????? ???????. ???????? ????? ????????? ?????????????? ?????? ?? ????????? ? ????? ?????? ???????? ? ?????? ???????????. ???? ???????? ?????? ??????????? ???? ????, ??????????: - ?????? ?? ????? ????????? ? ????????? ? ??????????? ???????????; -?????? ?? ???????????????? ????????? - ?????????? (?????????) ?? ?????????; - ?????? ? ??????????? ??????, ?????????? ?????? ? ???????? ?? ????????? ????? ?????????? ??????????, ??????????????? ??????? ???????????.

?????????????? ????????? ??????? ??????:

? 11.00 - 12.00 - ???????? ?? ????????? ?????? ???????????, ??????? ?? ???????????? ? ?????????? ??????????, ?????????????? ? ?????? ?? ?????????? ????; ? 16.00 - 18.00 - ????? ??????? ??????????? ?????? ?? ??????-?????????.