Improving the organization of calculations with plastic cards. Payment cards in organizing retail payments on the example of Rosselkhozbank JSC. Number of existing credit cards issued by Rosselkhozbank, thousands

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Bank plastic cards are a tool in a particular payment system, thus, the essence of the card business is not at all in a piece of plastic, but in the organization of the debt and efficiently functioning system of non-cash settlements.

In order to preserve the leading position in the plastic card market in the region, ensure the normal translational development of the non-cash settlement system, using the advantages of the chip card, prevent the capture of the plastic card market with competitors, banks need:

• · Expand the network of outlets taking bank cards;
• · Develop additional services To attract new participants to their card programs;
• · Develop and apply in practice the event stimulating non-cash payments in retail outlets;
• · Organize a job on the proper level to promote a salary card among the population;
• · Ensure the uninterrupted work of payment terminals;
• · Stimulate the growth in sales of plastic products using new technologies.
• · Disseminate banking advertising and information about plastic cards.

Among these tasks, the problem of attracting new customers and the opening of card accounts is occupied by a special place. At the dawn of card business, banks resorted to mass mailing cards without prior to studying the financial situation of the recipient. This practice led to a major loss. As a result, banks began to seriously refer to the marketing of cards and resorted to a detailed study of the personal financial services market.

Banks for different reasons are losing annually from 9 to 15% of card accounts (deferration of debt, the death of the owner, departure from the bank, etc.). Therefore, an annual attraction is required 12 - 15% of new accounts. Hence the role of marketing as means of expanding the client base.

Marketing should also stimulate the activity of card holders. Card operations are unprofitable if one is performed on a card account - two operations per month.

A promising direction is to expand the chain of stores and service points, giving benefits and discounts to the bank card holders. This is a classic discount scheme, widely practiced abroad. The basis of the interest of trade enterprises is the possibility of providing new services at the level of world standards and the use of trademarks of card companies to increase the prestige of the store. The store loses a few percent of the purchase amount, but this purchase could not be, i.e., the card stands in an incentive to increase the speed of turnover: the store acquires new customers, and constant. The decrease in the covered amount increases the protection of the enterprise from criminal elements, and sellers - from the reception of fake bills.

In addition, bank cardholders can be given a number of discounts in travel agencies, at the ticket office, when renting a car, in restaurants, sports clubs, beauty salons, etc.

An important stage in improving plastic card operations is the development of infrastructure salary projects. Currently, the implementation of salary projects begins to face that all major major corporate clients Already disassembled and that free space on the market for the year is narrowed.

Banks can be recommended to establish ATMs on the territory of enterprises with a sufficiently large number of working or close to open their branch, it is also recommended to establish electronic terminals in the nearest stores, consider the possibility of transferring money to employees for the maintenance of children in departmental preschool institutions, pay for dinners in factory dining rooms, depart , Paying for vouchers, etc. Upon retirement, employees continue to use plastic cards, but already pensions and benefits are listed on the card. The bank, who has assumed the service of the Sobes, is conducting personal accounts of pensioners.

Similar work can be carried out in universities and develop student projects.

The number of card holders has recently increased significantly at the expense of pensioners who are given the opportunity to receive pensions on Sberbank cards. Sberbank cards are issued unemployment benefits, children benefits.

Another way to stimulate the growth of sales of plastic products is the use of new technologies. We are talking about Internet projects, such as "home bank", allowing you to manage your card account via the Internet, as well as the "electronic row", which is, in fact, an online store. While such services are inactively represented by banks and are usually carried out using large companies. After improving technologies in the field of buying goods and services over the Internet, cards can get much more distribution.

The modern strategy of the behavior of banks involves the provision of such incentives and prices, which on the one hand would not have broken the bank, and on the other, they would not have given the opportunity to use plastic cards of competitors' banks. Prices in some cases are established taking into account the "behavior" of the holders. The best customers get the lowest interest rates And the best types of cards.

The development of the infrastructure of the plastic cards of Russia (network of commercial and service points that make plastic cards, ATMs, settlement centers, etc.) lags behind the pace of bank cards. In Russia, trading enterprises do not seek to conclude contracts for receiving and servicing bank cards, since they are not in sufficient population, and citizens are not interested in receiving a card, because There is no adequate receiving network.

Modern life is unthinkable without modern technologies. Convenience and mobility are the main characteristics of modern technological products to which bank payment cards are certainly attributed.

Bank payment cards of OJSC Rosselkhozbank is not only comfortable tool Access to your accounts, but also additional features depending on the category of payment cards. Additional services may be provided to owners of payment cards of Rosselkhozbank.

OJSC "Rosselkhozbank" exercises the release of debit banking cards of local payment system Rosselkhozbank and International Payment Systems Visa International and MasterCard Worldwide, as well as the release of credit banking cards of international payment systems Visa International and MasterCard Worldwide.

Plastic card is a personalized payable tool that provides the owner of the possibility of non-cash payment for goods and services, as well as receiving cash in branches (branches) of banks and banking machines (ATMs).

The plastic card is a plate of standard sizes (85.6 mm 53.9 mm 0.76 mm), made of special, resistant to mechanical and thermal effects, plastics.

To ensure the identification of the owner are used:

Logos of the bank issuer and payment system serving a card;

The name of the card holder, his account number;

Card validity;

A photograph of the holder and its signature and other data may be present.

Credit Cards of Rosselkhozbank OJSC are intended to carry out operations by the Client at the expense credit funds Within the established limit in accordance with the terms of the loan agreement.

The debit cards of OJSC "Rosselkhozbank are intended to carry out operations at the expense of cash previously posted by the client on its bank account, and allow customers to receive additional income in the form of a monthly interest on the balance of funds on the card account.

Banking maps of Rosselkhozbank OJSC allow customers:

Make purchases / payments for large amounts of money without risking to keep cash with you cash in large volumes;

Receive information support by phone around the clock support service.

Banking maps of Rosselkhozbank OJSC Local Payment System provide customers with the opportunity:

Receive cash at the points of issuing cash and ATMs of Rosselkhozbank OJSC in many regions of Russia;

Paying for goods and services in commercial and service enterprises with which Rosselkhozbank OJSC has concluded an agreement on the use of bank cards as a means of means;

Banking maps of Rosselkhozbank OJSC International Payment Systems Visa International and MasterCard Worldwide provide customers with the opportunity:

Receive cash in ATMs not only in the territory of the Russian Federation, but also beyond;

Pay for goods and services in trade and service enterprises in the Russian Federation and beyond;

Do not declare cash that are on the card account when leaving the Russian Federation;

Use the map in many countries of the world, performing operations in a currency other than the card account currency;

Participate in promotions conducted by international payment systems Visa International and MasterCard Worldwide.

Types of payment cards

Maps of the International Payment System Visa Inc.;

Malls of the International Payment System MasterCard Worldwide;

Maps of the local payment system of OJSC Rosselkhozbank.

In order to reduce the risk of fraud using payment cards in the implementation of non-cash settlements, Kazakhstani banks hold a number of activities, the most popular of which are:

1) blocking the card after a limited number of incorrectly entered PIN - code;

2) establishing a limit of consumables for card accounts;

3) Connecting card holders to SMS services - alerts on the movement of cards in the card account;

4) informing customers about the types and methods of fraud, by placing information on sites, spread booklets, etc.;

5) Installing video surveillance systems on ATMs.

In addition to the above methods, banks - issuers are monitoring card operations, and in case of detection of suspicious transactions, appropriate measures are taken.

Since a significant part of fraudulent transactions using the Cards of Kazakhstan Issuers is accomplished abroad, the banks for themselves form a list of the so-called "risky" countries (mainly Asia-Pacific region). When visiting the data card card holders, banks are undermined monitoring of cards for cards - accounts, and are also undertaken additional measures Security, up to the subsequent reissue of payment cards.

JSC " National Bank Kazakhstan "offers several tips and recommendations to the payment card holder for safe use and avoidance of fraud:

Upon receipt of the cards in the bank, be sure to lift on them in the appropriate place a sample of personal signature;

Keep the details of the card (card number, its validity period, Special CVV2 / CVC2 code on the back of the card, if specified) and personal identification number (PIN code) in secret from others;

Connect the card to the mobile banking service. This can be done at the time of receipt of the card, submitting a statement by the manager or later through any ATMs of the People's Bank. The People's Bank strongly recommends that all its customers use the services of the system. Mobile Banking. In this case, with any change in the card on the card, you will be notified within a few seconds an SMS message from the bank. Moreover, when receiving an SMS-message on the operation that you have not performed, you can with mobile phone instantly block your card;

Support a connection with your account managers regarding the status of your account, regularly check outcape statements;

Notify a bank about changing the address of the accommodation, phone, jobs, etc. - it is extremely important for the immediate contact of the bank with you when necessary;

Always have a card number and phone numbers with you - this will significantly speed up the procedure for identifying you by the bank as a card holder;

Keep the Bank's copies and checks of POS-terminals issued by the Bank or branch of the Bank, other documents related to the mapping of card operations (for example, hotel accounts) with a signature within three months;

Destroy any documents in which there is no longer the need for the full number of your card;

Do not store PIN in accessible to others;

When typing a pin code, make sure that the figures are not visible to unauthorized persons;

Do not transfer the card to another person, watch in trade and service enterprises all the cards with the card were made in your presence (for example, in a restaurant, cafe, the waiter can carry your card to the bar stand or go out into another room);

Do not provide anyone information about your account, unless you make a purchase using this account.

If customers of JSC " People's Bank»Suspect that they have become a victim of fraud, you need to inform about it. According to your first handling, the Bank's employee will block your card account. Upon subsequent handling of the bank and fill necessary documents You will release a new card.

In the framework of the acquiring service of the People's Bank of Kazakhstan, JSC provides enterprises for free:

Installation and configuration of electronic POS terminals (and / or imprinters) in trade and service enterprises (TCP);

Conducts staff training skills with payment cards (with departure to place);

Organizes the supply of expenditure and information materials in the TCP, which is necessary to organize calculations using payment cards;

Maintains service equipment;

Provides information and reference support;

Organizes the processing of trading checks (slips);

Lists the refund for sold goods and services in a timely manner and in full;

It monitors the operation of devices around the clock, and also monitors the activity of outlets in order to prevent losses from possible fraudulent operations.

However, the main advantages are not even in this. In addition to the service, the installation of POS terminals of the "People's Bank" allows entrepreneurs to increase sales by 20-40 percent. Automatically an increase in trade turnover is an increase in spontaneous purchases (since "physically" does not feel money in their hands, the client spends more than when paying in cash). At the same time, the costs of doing business are reduced due to savings on the collection of cash and storing money. Also, installing the POS terminal, the entrepreneur receives low bid. For servicing payment cards of the "People's Bank" (and this is more than 2.7 million clients), which will reduce the costs of payment for the Bank's services.

It is impossible not to say that there are a number of delusions, basely repulsive entrepreneurs from the installation of POS-terminals. In particular, some businessmen say that nobody addresses payment cards to them. But because they do not appeal that the organization does not accept payment cards! There are no special stickers on the shop windows, only a calculator is ... or, for example, other executives believe that non-cash money the next day (after the purchase of the client) is not very profitable. Say, finance may be needed at any time, why do you want to have them constantly. But in this case, the entrepreneur forgets that the increase in its turnover from customer service with payment cards with more than any delay!

In general, to establish a POS terminal of the People's Bank JSC at its enterprise today can almost any businessman. The branches of the actions may be different: from medical institutions and airlines, ending with small grocery stores. At the same time, the main plus calculations through POS terminals for the client - and this convergence, both bankers and customers are the speed and convenience of calculations. You should also not forget about the level of security, which when using a payment card is much higher. At the moment, Kazakhstani entrepreneurs who cooperate with the "People's Bank" have been set about 3000 trading TerminalsHaving hosting payment cards issued not only by the "People's Bank", but also by other banks that cooperate with international payment system: Visa, Mastercard, Altyn, China Union Pay. At the same time, more than 2.7 million clients receive salary, scholarships, pensions and other payments through the People's Bank.

In order to increase interest in the use of banking plastic card With non-cash payments, the People's Bank JSC holds a phased translation of utility and other types of services for payment using cards. In ATMs and information kiosks, the JSC "People's Bank" using a plastic card can already be paid: utility payments; communication services of ALTEL JSC (trademarks of Dalacom and Pathword), Car-bodies LLP (Beeline), MTS Kazakhstan TOO (NEO) and GSM-Kazakhstan TOO (K-Cell and Activ), cable television; Internet providers in favor of 29 service providers.

In order to introduce new channels for bringing banking services to the population of the Bank since 2008, the direction of granting individuals Through a network of Internet such services as the control of account balance, receiving account statements, payment of communication services and utility payments, operations on demand "to demand", repayment of debt on loans issued by the Bank.

Unlike most Kazakhstani banks, ATMs and information kiosks of the People's Bank JSC are open to receiving payments for holders of cards of any bank country and the world. All types of non-cash payments are possible from the client's mobile phone when using the Mobile Bank service, as well as using the Internet Bank service. Work on the expansion of the list of service providers.

To expand the list of services provided to the population, the Bank consists of contracts with enterprises - service providers, goods, works by the population, on receiving payments with a further enumeration of enterprises' accounts. . The increase in the number of users of the Mobile Bank and Internet Bank will allow to further increase the share of non-cash payments in the total volume of operations carried out by plastic cards will help reduce cash circulation, increasing the profitability of operations with bank cards, including through the payment of remuneration by the bank with service providers to the population.

The loan repayment through a "salary" card is carried out at any time of the day from the current account of the user through the network of ATMs and information kiosks of the People's Bank JSC, from the Customer's mobile phone when using the Mobile Bank's mobile phone, or cash contribution to the Bank's cash bank.

All the more stringent requirements are presented to the safe and reliable functioning of non-cash settlement systems based on plastic cards. These questions have not only economic, but also social character. According to the uninterrupted work of ATMs, infociosks and payment terminals, the quality of the services provided by the population today is formed confidence in electronic payment instruments and banking work generally.

In this regard, the "banking processing center" and banks need to constantly maintain in the current state of continuous work, improve information protection issues, carry out work to improve the literacy of the population in terms of the safe use of plastic cards.

To solve this problem, it is necessary to speed up the process of building fiber-optic communication lines.

All the problems noted above are associated with economic reasons - Low income of the overwhelming mass of the population, high credit risks, high cost of buying a technical base.

To address the above issues of the People's Bank JSC, I would like to express wishes and make a number of proposals. We believe that it is necessary to increase the installation of ATMs in remote settlements RK areas and other devices for receipt wages and the implementation of cashless payments, for this it is necessary to attract new investors, as well as foreign, thereby increasing the number of ATMs and other devices, we also suggest to increase the number credit cards Which will increase the level of income of the People's Bank JSC and will give the bank other advantages over competitors.

Also, in our opinion, it is necessary to carry out more frequent PR JSC "People's Bank" to attract potential clients of the enterprise for cooperation within the salary project.

In our opinion, it is necessary to reduce the tariff for servicing and replacing the plastic card, thereby increasing customers and turnover cash The bank, in this way, the person subconsciously invests free funds to this particular bank.

We offer to develop a system of benefits for enterprises paying salary by listing on the cardschet. The same system should be created for shops and other TCP serving plastic cards.

Summing up the above, you can draw the following conclusion: what new banking services JSC "People's Bank" bring both prospects for the bank. If we treat it as a serious business, success in which depends on the constant, daily work, in which constant advancement is needed - and in the quantitative growth of the number of issued cards, and in high-quality complex Development Systems in which a whole range of business tasks are solved on the basis of microprocessor technologies.

Currently, it is confidently said that in the provision of services for calculations using Cards, JSC "People's Bank of Kazakhstan", is able to provide decent competition to other banks.

Ryazan Machine Tool College Rgrtudiplomal Work on the topic:
Payment cards in the organization of retail
payments for example
JSC "Rosselkhozbank"
Student: _____________________________
specialties:________________________
Leader: _________________________
1

Purpose and objectives of the study

Purpose thesis Speakers deep and detailed study
Operations credit organizations using bank cards.
Tasks:
Determine the concept and types of bank cards;
Explore regulatory legal regulation Operations in
bank cards;
Characterize bank cards as an organization tool
retail financial flows;
Reveal the current state of the Russian banking market;
To give brief description JSC "Rosselkhozbank";
Determine the types of banking cards with which OJSC
"Rosselkhozbank";
Conduct analysis of operations of Rosselkhozbank JSC in the banking market
kart;
Give practical recommendations for improving efficiency
use of bank payment cards in retail systems
electronic payments;
Suggest solutions to solving plastic market development
Maps and technologies using plastic cards in Russia.
2

Regulatory framework

-
-
-
-
-
Civil Code of the Russian Federation Part 2 Chapter 46
The position of the Bank of Russia dated December 24, 2004 №266-P "On the emission of payment
cards and on operations performed with their use "(ed. from
14.01.2015)
Regulation of the Bank of Russia dated February 27, 2017 No. 579-P "On the Plan of Accounts
Accounting for credit institutions and procedure for
Applications »
Federal Law of 27.06.2011 №161-FZ (ed. From 07/03/2016)
"On the National Payment System"
(with change and extra., entry into force on July 17, 2016)
Federal Law of 06.04.2011 N 63-FZ (ed. From 06/23/2016)
"On electronic signature"
Federal Law of 07.08.2001 N 115-FZ (ed. From 28.12.2016)
"On counteracting legalization (laundering) of revenues received
criminal means and financing terrorism "
Federal Law of 10.12.2003 N 173-FZ (ed. From 07/03/2016)
"ABOUT currency regulation and currency control "
3

JSC "Rosselkhozbank"

ranks second in terms of the volume of offices in Russia, has
76 branches and about 1,500 branches in the regions. Bank
also has offices in Azerbaijan,
Belarus, Kazakhstan, Armenia and Tajikistan.
The Bank's mission is to satisfy the available
The needs of agricultural producers and
rural residents by providing them with high-quality and
Effective bank products and services that
contribute to the formation and operation of advanced
national lending and financing system in
agro-industrial complex of Russia, as well as development
agro-industrial complex and rural areas.
4

Debit cards of RSKB:

Type of debit card
The target audience
Payment system
Personal
Wide client circle
Visa, MasterCard,
UnionPay, Mir
Pension
For pensioners,
receiving
social payments
MasterCard, Mir
Capital
Wide client circle
Visa, Mastercard.
Service
For clients
Designing
Consumer credit
Visa, Mastercard.
Amur tiger
For bank depositors
Visa, Mastercard.
Rosselkhozbankrosneft
Regular customers
AZS Rosneft and TNK
PEACE
Virtual Card.
Network users
the Internet
Visa Virtual, MasterCard
Virtual
5

Conditions and service fares on debit cards of Rosselkhozbank AO as of 05/25/2017

6

Rosselkhozbank credit cards

7

Conditions and service fares on Rosselkhozbank credit cards as of 05/25/2017

8

Number of existing bank cards issued by Rosselkhozbank, thousands

9

The structure of debit and credit cards, issued by Rosselkhozbank JSC in 2016

The structure of the issued Maps of Rosselkhozbank in
2016
Credit cards
Debit cards;
96%
Debit cards
Credit cards
4%
10

Number of current credit cards issued by Rosselkhozbank, thousandscl.

Rosselkhozbank credit cards
140
117,03
120
100
80
60
40
Existing
credit cards,
thousands
47
34
20
0
2014
2015
2016
11

Number of existing debit cards issued by Rosselkhozbank, thousandscl.

Rosselkhozbank debit cards
3500
3157,27
3000
2773
2471
2500
Existing
Debit cards
thousands
2000
1500
1000
500
0
2014
2015
2016
12

Commission income of Rosselkhozbank from operations with bank cards, million rubles.

Commission income of Rosselkhozbank from
Bank card operations
800
707
700
600
493
500
448
400
Revenues
300
200
100
0
2014
2015

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