INFORMACIJSKA PODPORA KARTIČNEGA POSLOVANJA

Blažič, Mojca

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Title:	INFORMACIJSKA PODPORA KARTIČNEGA POSLOVANJA
Authors:	ID Blažič, Mojca (Author) ID Bobek, Samo (Mentor) More about this mentor...
Files:	UNI_Blazic_Mojca_2009.pdf (1,58 MB) MD5: 65B1A08327FAECA764EE4678BA46A5D6 PID: 20.500.12556/dkum/61ee8a02-0a49-442f-b34d-db9703f3932a
Language:	Slovenian
Work type:	Undergraduate thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	Razvoj informacijske tehnologije je glavni povzročitelj razvoja elektronskega poslovanja in s tem tudi elektronskega bančništva. Konkurenca je banke pripeljala do ponudbe različnih storitev preko telefona, bančnih avtomatov, interneta. Elektronsko bančništvo lahko opredelimo kot opravljanje vseh bančnih storitev, ki se opravljajo po elektronski poti. Elektronske bančne storitve so na voljo 24 ur na dan in 365 dni v letu, ki jih lahko opravimo kar iz domačega naslonjača, zato tudi ne potrebujemo pomoči bančnih uslužbencev. Elektronsko bančništvo lahko razdelimo na e-bančništvo med bankami, e-bančništvo pri poslovanju s strankami in e-bančništvo v banki. Za nas je najpomembnejša veja elektronsko bančništvo pri poslovanju s strankami. Razdelimo ga na bančništvo od doma, samopostrežne aparate in plačilne kartice. V Sloveniji se je razvoj kartičnega poslovanja začel v zgodnjih 90-ih letih, ko je Banka Koper razvila plačilno kartico Activa. Kasneje so se temu pridružile še ostale banke, in tako se je pričel razvijati kartični sistem v Sloveniji. Danes različne banke izdajajo različne vrste plačilnih kartic. Najpogostejše med njimi so Maestro, MasterCard in Visa. Nekatere izmed njih se uporabljajo samo v Sloveniji, druge pa so mednarodne kartice in se lahko uporabljajo tudi v tujini. Banke izdajajo tudi različne poslovne kartice, ki so namenjene poslovnežem in samostojnim podjetnikom, ki razpolagajo z denarjem podjetja. Veliko je tudi partnerskih kartic, s katerimi lahko pridobimo različne ugodnosti podjetij, ki skupaj z bankami izdajajo te kartice. Z razvojem kartic se povečuje tudi število zlorab. Za boljšo varnost je najbolje, da kartico takoj, ko jo dobite, podpišete. Priporočljivo je tudi redno pregledovanje bančnih izpiskov in preverjati, če so transakcije pravilno zabeležene. Danes že obstajajo laserske kartice, ki so opremljene z optičnim refleksijskim trakom in sodijo med najvarnejše kartice.
Keywords:	elektronsko poslovanje, elektronsko bančništvo, plačilne kartice, bankomati, POS terminali
Place of publishing:	Maribor
Publisher:	[M. Blažič]
Year of publishing:	2009
PID:	20.500.12556/DKUM-12745
UDC:	336.71
COBISS.SI-ID:	10297884
NUK URN:	URN:SI:UM:DK:TYCYSBBJ
Publication date in DKUM:	28.07.2010
Views:	1970
Downloads:	137
Metadata:
Categories:	EPF
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Secondary language

Language:	English
Title:	INFORMATION SUPPORT FOR CARD TRANSACTIONS PROCESSING
Abstract:	The advance in information technology is the main cause for emerging electronic operations and consequently also electronic banking. Because of competition, banks have started offering different services over the phone, ATMs and the internet. Electronic banking can be defined as performing banking services by using computer and electronic technology. Those services are available 24 hours a day and 365 days a year and can be carried out directly from a user’s sofa without the necessity of a bank clerk. Electronic banking can be classified into three groups: e-banking among banks, e-banking for customers and e-banking in banks. The most important for us is e-banking for customers. It can be classified as home banking, using ATMs and payment card operations. In Slovenia, payment card system began developing in 1990s when Banka Koper developed the Activa payment card. Other banks joined later, and that’s how the use of the payment card system began spreading in Slovenia. Different banks issue different kinds of payment cards, among which the most frequent are Maestro, MasterCard and Visa. Some can only be used in Slovenia, while other – international – payment cards can also be used abroad. Banks issue different business payment cards intended for businessmen and sole traders, who manage company’s money. There are many partnership cards that yield customer benefits of the companies that, together with banks, issue these payment cards. Ever increasing use of payment cards also brings forth an increasing number of payment card abuse and embezzlement. For higher security it is recommended to sign your payment card when you acquire it. It is also recommended to regularly check your own bank account extract and to make sure that transactions are legitimate and justifiable. Nowadays, there are also laser payment cards that are equipped with optical reflective tape and are among the most secure payment cards.
Keywords:	electronic commerce, electronic banking, payment cards, ATMs, POS terminals

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