Banku procesori

Banku vēsture

Mazliet par banku vēsturi. Bankas darbības pirmsākumi radās līdz ar tirdzniecības attīstību. Lai norēķinātos par pirkumiem ar svešzemju tirgotājiem, bija nepieciešams mainīt naudu. Tāpēc  viduslaiku pilsētu tirgos sāka ieplūst citu zemju nauda un tās mainīšana parasti notika pilsētas tirgus laukumā. Vēsture liecina, ka pirmie naudas mainītāji bija itāļi. Viņi naudas mainīšanas operāciju veikšanai izmantoja galdu vai solu, kuru novietoja tirgus laukumā. Termins banka aizgūts no itāļu valodas vārda banco. To var tulkot kā solu vai galdu. Gadījumā, ja kāds no tirgotājiem mēģināja naudas mainīšanas laikā piekrāpt savu klientu, viņa galds tika salauzts. Tādā veidā tirgotājs tika sodīts par negodīgu rīcību.

Internet bankas, jeb banku procesori internetā

Viduslaiki, nu ir pagajuši un ir iestajies jauns laikmets "informācijas, jeb interneta" laikmets. Arī bankas cenšas pielagoties jaunajiem laikiem, veidojot internetbankas, kurās norēķinus var veikt caur internetu. Var pieslēgt arī telefon banku un veikt dažādas bankas darbības pa telefonu.
Taču tirgus internetā ir pārņēmis lielus apmērus un arvien vairāk banku grib strādāt tieši internetā un nemaz negrib radīt birojus, kuros sēdētu simtiem darbinieku, kas pieņemtu naudu no rindās stāvošiem klientiem. Tāpēc radās bankas, jeb banku procesori, kuri eksistē tikai internetā un sazināties ar viņiem var aizrakstot vēstuli vai piezvanot. Ir tādi banku procesori kuriem ir arī biroji, bet parasti visi darījumi tiek apkalpoti caur termināļiem vai vienkārši internetā no personīgā datora.
Šo banku pluss ir tas ka nav jāstāv rindās lai veiktu jebkādu darījumu. Arī komisijas maksas par operācijām ir krietni lētākas.
Katras bankas specializācija var būt atšķiriga, citas vairak strādā ar internet veikalu apkalpošanu, citas ar spēļu apkalpošanu, citas ar naudas maiņam vai akciju iegādes nodrošināšanu, tiek tirgots arī zelts un citi dārgakmeņi. Piemēram ar Paypal, var ērti iepirkties ebay un Amazone veikalos, piedevām jūsu pirkums šai gadījumā tiks apdrošināts un preces nesaņemšanas vai bojājuma gadījumā varat pieteikt atlīdzību.
Webmoney interesants projekts naudas parskaitķīšanai, maiņai un rēķinu apmaksai, šobrīd arī Latvijā jau satopami šīs bankas termināļi. Liberty Reserve nodarbojas ar zelta un citu dargakmeņu tirdzniecību, tirgojas arī ar akcijām. Payza, jauna banka (bijusī Alert pay) ļoti izdevīgi pārskaitījumi dolaros atsevišķos gadījumos parskaitījums notiek bez komisijas, kā arī ērta piereģistrēšanās.

Verifikācija

Verifikācija, jeb jūsu datu salīdzināšana ar tiem datiem, kurus esat sniedzis bankai. Banku procesoros parasti nevajag uzradīt pasi, pietiek ja jums ir kāda debet vai kredīt karte uz kuras ir pāris Lati vai Eiro. Parasti verificējoties tiek veikta transakcija pārskaitot nedaudz naudas no jūsu kartes konta uz virtuālo kontu, nauda nekur nepazūd, bet vienkārši tiek pārvietota no viena konta uz otru. Ir pat bankas kas veic verifikāciju izmantojot tikai mobilo telefonu, tādā gadījumā uz savu mobilo telefonu saņemat ziņu ar slepenu kodu, kuru jums jāievada attiecīgajā ailē pie pārbaudes. Tagad, ļoti populāra personības pārbaude izmantojot sociālos tīklus un esmu sastapies ar bankām kuras verifikācijai izmanto sociālo tīklu datus. Taču uzreiz jāpiezīmē, ka krāpties nav vērts, jo ja bankai radīsies aizdomas ka neesat persona par ko uzdodaties, tad konts var tikt bloķēts un atbloķēšana var prasīt krietnu laiku vai pat var būt neiespējama. 

Reģistrācija

Lai piereģistrētos internetprocesoros, vajag vienkārši aizpildīt anketu, internetā, līdzīgi kā jūs to dara reģistrejot epasta adresi. Pat ja dzīvojat laukos un jums nav ne kredītkartes, ne debetkartes jūs tomēr varat izmantot lielāko daļu banku procesoru, vienīgais tad jums būs nedaudz grūtāk veikt verifikāciju, kas ir būtiska strādajot ar lielām naudas summām. Ja jūsu transakciju apjoms nebūs liels tad bieži var iztikt arī bez verifikācijas. Pie reģistrācijas ir vērts palasīt noteikumus, jo dažās bankās ir izdevīgākas komisijas tieši neverificētiem lietotājiem piemēram  Payza .

Tālāk minēšu manuprāt populārākos banku procesorus.

Payza (AlertPay)

PayPal

Paypal is most popular internet bank processor.

PayPal allows any business or consumer with an email address to securely, conveniently and cost-effectively send and receive payments online. Our network builds on the existing financial infrastructure of bank accounts and credit cards to create a global, real-time payment solution. We deliver a product ideally suited for small businesses, online merchants, individuals and others currently underserved by traditional payment mechanisms.

The size of our network and widening acceptance of our product have helped us become one of the leading payment network for online auction websites, including eBay. PayPal is also being increasingly used at other e-commerce sites for the sale of goods such as electronics and household items, the sale of services such as web design and travel, and the sale of digital content. Offline businesses, including lawyers, contractors and physicians, have increasingly begun to receive payments online through PayPal. PayPal's service, which lets users send payments for free, can be used from PCs or web-enabled mobile phones.

For registration use the banner.

How to Register an Account with PayPal:

For registering use this link

Payza (AlertPay)

Payza is very popular payment processor in Russia!

Payza is the leading global online payment platform that specializes in e-commerce processing, corporate disbursements, and remittances for individuals and businesses around the world. The e-wallet platform provides Payza members worldwide with convenient and flexible loading and withdrawal options, such as localized bank transfers, global bank wires, credit/debit card, checks, prepaid cards, among others.

With over 8 million members, Payza offers its services in 197 countries and in 22 different currencies. Payza is proud to include more than 75,000 merchants that use its all-in-one solution for accepting payments and managing their businesses. In addition, Payza offers foreign exchange services, fraud screening services, email invoicing, mass and single remittances and business management tools. Payza also provides under-serviced and emerging markets with an affordable and convenient way to receive international payments, thereby bolstering local economies in a global marketplace.

How to Register an Account with Payza

For registering use this link

Perfect money

The purpose of Perfect Money withdraw financial transactions on the Internet at the perfect level!

By using Perfect Money payment system you can:

The purpose of Perfect Money withdraw financial transactions on the Internet at the perfect level!

By using Perfect Money payment system you can:

The purpose of Perfect Money withdraw financial transactions on the Internet at the perfect level!

By using Perfect Money payment system you can:

To make transactions between users

Receive payments in various business projects on the Internet

To make regular payments on the Internet

Always keep the funds on electronic account and receive monthly interest payments from the monthly balance on the account

Pay for goods and services in Internet shops

Buy gold, dollars and euros on the Internet

System Security

All security settings are managed from the user's account.

     User authentication - when the IP-address of the login, Perfect Money sends a message to e-mail with a PIN-code to confirm the changes.
     SMS authentication - This system is used to create a logical connection between the user and the account numberof his mobile phone on which to identify the real owner of the account will be sent a confirmation code. SMS-authentication is the most advanced and reliable way to protect the user against unauthorized entry into your account(hacking), because the time spent on the entire operation of the exchange code and enter it into account is extremelysmall and insufficient to break.
     Code Card - the use of this tool is based on providing user with a graphical image map code sent to the email address. To confirm the transaction the system sends a request to grant the user in random order with a certain codeof the card.

system Features

     The user can create up to 6 additional accounts (purses), in his account at various equivalents.
     The user can create a subaccount with a separate username and password. Subaccount is limited in functionality - with it you can only send and receive e-money, while subbakkaunt can fill up with the main account without a fee.
     Users can create their own e-Vaucher (e-voucher) in cash, which you activate, you can actually make the transfer of funds. These e-Vaucher, you can pass in any convenient way.

Webmoney

Webmoney vairāk izplatīta Krievijā, Ukrainā šobrīd parādās šīs bankas termināļi arī Latvijā.

WebMoney or WebMoney Transfer (pronounced "WebMoney") - an international electronic payment system,serving at the beginning of 2012 more than 16 million accounts. In the system of turning private e-money.

Protection against fraud

If the payment or transfer to another WM-purse payer may make use of free services, "Patronage by the code", "Patronage in time", "Service Escrow». To do this, when the payment should be set to the payment window, "select"checkbox checked. In the case of "Patronage by the code", the payee is unable to use the cash received has not yetindicate the correct, known only to the sender digital code. If the digital code has been entered by the recipient of payment within the specified time, or was entered incorrectly eight times, money is returned to the sender."Patronage in time" allows the recipient to use funds received for payment only for a certain period of the sender."Service Escrow» secures deal with the mortgage amount

How to registering WebMoney:

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Liberty Reserve

M

Liberty Reserve: Criminals

US prosecutors allege that Liberty Reserve helped launder $6bn (£4bn) in criminal proceeds

Liberty Reserve was the payment system of choice for many criminals, he says, because it was based outside the United States and Russia.

Some security experts have suggested a Moscow-based service called WebMoney is emerging as the favoured replacement, but Mr Yarochkin says some are wary of making the move.

"The biggest risk was always believed not to be that a payment system would be taken down, but that transactions would be investigated, and if WebMoney detect illegal activity they will lock your account," he says. This was not the case with Liberty Reserve.

But many criminals don't trust any of the payment systems completely, and larger players move their funds around the systems, using internet based exchanges to switch currencies and cover their tracks, Mr Yarochkin adds

link

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