Electron payment -as basis of bank activities
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Bog'liqTurdieva Tashkent Electron payment
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ELECTRON PAYMENT –AS BASIS OF BANK ACTIVITIES Turdieva G.O. – docent of the Departament «Economics» Tashkent university of of Applied Sciences Shoniyazov Sh. – student of the Departament «Economics» Tashkent, Uzbekistan Турдыева Г.О. Ph.D., доцент кафедры «Экономики» Ташкентский университет прикладных наук Шониязов Ш- студент 1 курса кафедры «Экономики» г. Ташкент, Узбекистан Annotation The article discusses general issues related to the concept of «electronic payments» summarizes the payment plastic cards and outlines the importance of electronic payment for the economy. Keywords: electronic payment, plastic cards, bank, electronic money Аннотация В статье рассмотрены общие вопросы, связанные с понятием «электронные платежи» Даны краткие характеристики платежных пластиковых карт и обозначается важность электронных платежа для экономики. Ключевые слова: электронный платеж, пластик карты, банк, электронные деньги Introduction As a result of reforms in our republic in recent years, a number of achievements have been made in the banking system. In particular, the development of banks operating in our country is at the level of international requirements and is positively assessed by the world community. However, in the context of modernization of the economy, one of the main problems for commercial banks is the development of electron trade in banks and for this purpose it is necessary to use the most convenient electron system in the implementation of banking operations, Electron payments play an important role in achieving this. Therefore, first of all, we consider it important to study the theoretical and scientific views of economist scientists on the introduction of electronic payments in the banking system and their development history, promising factors. To date, a number of regulatory documents in the field of electronic commerce have been adopted that determine the basic principles and rules of electronic commerce, in particular, the Law of the Republic of Uzbekistan «On e-commerce», The rules of electronic commerce № 185 dated 02.06.2018, the Decree of the Republic of Uzbekistan «On measures for the accelerated development of electronic commerce»[1] On May 14, 2018, the President of the Republic of Uzbekistan signed the Decree «On measures to accelerate the development of electronic commerce». The document approved the e-commerce development program in the Republic of Uzbekistan for 2018-2021. Data analysis The resolution noted the problems and shortcomings that « prevent the creation of a full-fledged e-commerce market in the country and impede the unhindered access of goods and services of domestic production enterprises to foreign markets ». Today, tools such as Uzard Click, MBank, SMS Payment are successfully used to pay for online services. According to economists as Rasulev D.M., Alimov R. X., Djumaniyazov Sh.R., Xayitmotov U. T «Electronic payment system is a system of settlements, the use of electronic means of contracting and money transfer. The software package for the electronic money transfer system defines cashless payments and other credit and as financial transactions»[2]. Of the main products of payment systems, these are bank plastic cards, which include: Visa Classic, Business, Gold, MasterCard Mass, Business, Gold,Platina. These cards are recommended for traveling abroad and are served with Visa logos or everywhere. Funds at ATMs and cash registers designed to receive cash, as well as the ability to pay for goods and services around the world, have been created. In Uzbekistan, we can see the data on plastic cards used in 2022 volumes from the table below. table Plastic card information1
If we cite this table in the graphs, it allows us to analyse( diagram 1). We can quote from this table that most of the used plastic cards are Uzcard plastics, which form the next used plastic Humo. Interbank payment system « UZKART » ( MPS « UZKART » ) local payment system, basis – electronic plastic card, the activity of which is based on regulatory legal acts and documents, software, technical and organizational support. Diagram 1 Number of plastic cards The main activity of – is cashless payments in electronic form, collected in one common system of the bank, the production of plastic cards to meet the increasing demand by private and individuals. The formed control mechanism effectively monitors cash flow, the activities of the monetary system, redistributes the money supply in circulation. There are two main groups of electronic money that divide by type of carrier: - based on smart cards ( card-based ) ( electronic wallet ) - based on networks ( network-based ) ( network money ) Smart-Cards are multi-purpose plastic cards with built-in chips. A cash file equivalent of money transferred to the issuer of these cards is recorded on their chip. Bank customers transfer money from their accounts to smart cards, transactions on which are carried out within the limits credited to them. The mode of entering the personal account of smart – cards differs from the mode of entering the personal account of traditional cards. The usual card alone does not contain information about the status of the account, it is only a tool for accessing the account. At the time of replenishment of the smart card, the balance on the personal account is reduced by the amount by which the card was drawn. Electronic cash appears on the card, as a result of which it becomes possible and safe authorization of the operation offline. Chip card products can be classified as follows: -debate credit cards; -pre authorized cards; -electronic cards; -electronic cash[3]. Having examined various types of electronic money and payment systems, we note some of the advantages of smart cards in relation to network money: 1.The ability to use a card outside the Internet, because physical media can be carried with you, and for network money requires some computer skills; 2.Smart cards are more common for consumers than network money. Using network money requires some computer skills; 3.Electronic money based on smart cards has historically been sold on the basis of cards with a microprocessor, which are difficult to fake, and also operations have been verified by PIN code, which also makes it difficult to use them after stealing the cards themselves. In the case of network money, compromising passwords and security codes is sufficient as a result of an attack on the user's computer, and they can steal money. In addition, computer malfunctions can lead to the loss of received safety certificates, which give to the electronic wallet, or the electronic wallet itself. In fairness, for the sake of noting that security instructions in all payment systems offer certain rules, compliance with which significantly reduces the risks of electronic cash losses. Despite the fact that electronic money is similar to officially operating payment units, there are important points that prevent them from being considered « full-fledged » money: - electronic money is not issued by the central bank, but by commercial companies; -electronic money is not a universal method, the owner of electronic money can only use it together with the seller or bank, which are members of the corresponding electronic money system and nowhere else. Download 59.86 Kb. Do'stlaringiz bilan baham: 
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