{"id":739984,"date":"2024-07-25T18:51:30","date_gmt":"2024-07-25T14:51:30","guid":{"rendered":"https:\/\/arantv.az\/?p=739984"},"modified":"2024-07-25T18:51:30","modified_gmt":"2024-07-25T14:51:30","slug":"pos-terminal-v%c9%99-od%c9%99m%c9%99-aparatlarinin-isl%c9%99m%c9%99m%c9%99si-%c9%99n-cox-kim%c9%99-ziyan-vurur","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=739984","title":{"rendered":"POS-terminal v\u0259 \u00f6d\u0259m\u0259 aparatlar\u0131n\u0131n i\u015fl\u0259m\u0259m\u0259si \u0259n \u00e7ox kim\u0259 ziyan vurur?"},"content":{"rendered":"

\u0130yulun 24-d\u0259 POS-terminallar\u0131n v\u0259 \u00f6d\u0259m\u0259 aparatlar\u0131n\u0131n i\u015find\u0259\u00a0nasazl\u0131q yaranmas\u0131<\/a>\u00a0na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259r\u0259 \u00fcst\u00fcnl\u00fck ver\u0259n v\u0259t\u0259nda\u015flar\u0131n \u00e7\u0259tin v\u0259ziyy\u0259td\u0259 qalmas\u0131na s\u0259b\u0259b olmu\u015fdu.<\/p>\n

ARANTV.AZ <\/strong>\u00a0x\u0259b\u0259r verir ki, problem b\u00fct\u00fcn \u00f6lk\u0259 \u00fczr\u0259 m\u00fc\u015fahid\u0259 olunub. He\u00e7 bir yerd\u0259 na\u011fds\u0131z \u00f6d\u0259ni\u015fd\u0259n istifad\u0259 ed\u0259 bilm\u0259y\u0259n v\u0259t\u0259nda\u015flar sosial \u015f\u0259b\u0259k\u0259l\u0259rd\u0259 m\u0259s\u0259l\u0259ni m\u00fczakir\u0259y\u0259 \u00e7\u0131xar\u0131blar.<\/p>\n

\u00c7oxlar\u0131 bu m\u0259s\u0259l\u0259d\u0259 \u00f6d\u0259ni\u015f kartlar\u0131n\u0131n aid oldu\u011fu banklar\u0131 g\u00fcnahland\u0131r\u0131b. Bank \u0259m\u0259kda\u015flar\u0131 is\u0259 problemin banklardan deyil, mobil operatorlardan qaynaqland\u0131\u011f\u0131 qeyd edibl\u0259r.<\/p>\n

M\u00fczakir\u0259l\u0259r zaman\u0131 ir\u0259li s\u00fcr\u00fcl\u0259n iddialardan biri d\u0259 sistem\u0259 kiberh\u00fccum olmas\u0131 il\u0259 ba\u011fl\u0131 olub.<\/p>\n

M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 POS-terminallar\u0131 S\u0130M-kartla t\u0259min ed\u0259n “Azercell Telekom” MMC-y\u0259 sor\u011fu \u00fcnvanlad\u0131q.<\/p>\n

Qurumun M\u0259tbuat Xidm\u0259tind\u0259n\u00a0Oxu.Az<\/strong>-\u0131n sor\u011fusuna cavab olaraq bildirildi ki, “Azercell Telekom” MMC t\u0259r\u0259find\u0259n g\u00f6st\u0259ril\u0259n xidm\u0259tl\u0259rin keyfiyy\u0259tinin daha da art\u0131r\u0131lmas\u0131 m\u0259qs\u0259dil\u0259 24.07.2024 tarixind\u0259 t\u0259kmill\u0259\u015fdirm\u0259 i\u015fl\u0259ri apar\u0131ld\u0131\u011f\u0131ndan \u015firk\u0259tin korporativ m\u00fc\u015ft\u0259ril\u0259rin\u0259 t\u0259qdim etdiyi b\u0259zi xidm\u0259tl\u0259rin istifad\u0259sind\u0259 m\u00fcv\u0259qq\u0259ti \u00e7\u0259tinlikl\u0259r yaran\u0131b.<\/p>\n

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“Qeyd olunan t\u0259kmill\u0259\u015fdirm\u0259 i\u015fl\u0259ri il\u0259 ba\u011fl\u0131 iyulun 21-d\u0259 q\u0259zetl\u0259rin birind\u0259 elan yay\u0131mlamaqla abun\u0259\u00e7il\u0259r\u0259 \u0259vv\u0259lc\u0259d\u0259n m\u0259lumat verilib. T\u0259kmlill\u0259\u015fdirm\u0259 i\u015fl\u0259ri yekunla\u015fd\u0131qdan sonra is\u0259 bu istiqam\u0259td\u0259 tam normal \u0259saslarla f\u0259aliyy\u0259t imkan\u0131 t\u0259min edilib”, – dey\u0259 a\u00e7\u0131qlamada bildirilib.<\/p>\n

B\u0259s POS-terminallar\u0131n i\u015fl\u0259m\u0259m\u0259si banklar \u00fc\u00e7\u00fcn hans\u0131 probleml\u0259ri yarad\u0131r?<\/p>\n

M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 Az\u0259rbaycan Banklar Assosiasiyas\u0131nda \u00d6d\u0259ni\u015f sisteml\u0259ri v\u0259 r\u0259q\u0259msal bank\u00e7\u0131l\u0131q \u00fczr\u0259 Ekspert Qrupuna sor\u011fu \u00fcnvanlad\u0131q.<\/p>\n

Qurumun s\u0259dri\u00a0Tamerlan R\u00fcst\u0259mov Oxu.Az<\/strong>-a a\u00e7\u0131qlamas\u0131nda bildirdi ki, cari ilin alt\u0131 ay\u0131n\u0131n statistikas\u0131na baxsaq, bir saat \u0259rzind\u0259 orta hesabla 1.31 milyon AZN m\u0259bl\u0259\u011find\u0259 \u00f6d\u0259ni\u015f \u0259m\u0259liyyat\u0131n\u0131n icra edildiyini g\u00f6r\u0259rik.<\/p>\n

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“H\u0259r bir POS-terminalda m\u00fcvafiq mobil operatorunun S\u0130M-kart\u0131 olur. Bu \u0259sasda POS-terminal internet \u015f\u0259b\u0259k\u0259si \u00fcz\u0259rind\u0259n bankla \u0259laq\u0259 saxlayaraq m\u0259lumat m\u00fcbadil\u0259si apar\u0131r. Mobil rabit\u0259 operatoru probleml\u0259 \u00fczl\u0259\u015fdikd\u0259, y\u0259ni \u015f\u0259b\u0259k\u0259 q\u0131r\u0131ld\u0131qda, m\u0259lumat m\u00fcbadil\u0259si olmur v\u0259 \u0259m\u0259liyyatlar ke\u00e7mir. Bu hal bir s\u0131ra \u00f6z\u00fcn\u0259xidm\u0259t terminallar\u0131nda, y\u0259ni na\u011fd pul q\u0259bul ed\u0259n terminallarda da ya\u015fana bilir”, – dey\u0259 T.R\u00fcst\u0259mov qeyd edib.<\/p>\n

\"\"<\/p>\n

POS-terminallar\u0131n i\u015fl\u0259m\u0259diyi halda banklar\u0131n \u00fczl\u0259\u015fdiyi probleml\u0259r\u0259 g\u0259linc\u0259 is\u0259 T.R\u00fcst\u0259mov bir ne\u00e7\u0259 halda bu m\u0259s\u0259l\u0259l\u0259rin \u00f6z\u00fcn\u00fc ayd\u0131n b\u00fcruz\u0259 verdiyini diqq\u0259t\u0259 \u00e7atd\u0131r\u0131b:<\/p>\n

“M\u0259s\u0259l\u0259n, t\u0259s\u0259rr\u00fcfat subyekti bankdan \u015fikay\u0259t edir ki, avadanl\u0131\u011f\u0131n\u0131z (POS-terminal) i\u015fl\u0259mir, \u0259m\u0259liyyat ke\u00e7mir. Problem t\u0259krarlananda is\u0259 t\u0259s\u0259rr\u00fcfat subyekti m\u0259s\u0259l\u0259d\u0259n tam m\u0259lumatl\u0131 olmad\u0131\u011f\u0131 \u00fc\u00e7\u00fcn \u00e7\u0131x\u0131\u015f yolunu bank\u0131 d\u0259yi\u015fm\u0259kd\u0259 g\u00f6r\u00fcr, bel\u0259 olan halda bank m\u00fc\u015ft\u0259ri itirmi\u015f olur.<\/p>\n

Dig\u0259r bir m\u0259s\u0259l\u0259 – t\u0259s\u0259vv\u00fcr edin, \u2060m\u00fc\u015ft\u0259rid\u0259 na\u011fd pul v\u0259saiti yoxdur, ancaq m\u0259hsul almaq ist\u0259yir. N\u0259tic\u0259d\u0259 \u015f\u0259b\u0259k\u0259 olmad\u0131\u011f\u0131na g\u00f6r\u0259 \u0259m\u0259liyyat getmir v\u0259 m\u00fc\u015ft\u0259rid\u0259 banka qar\u015f\u0131 m\u0259nfi r\u0259y formala\u015f\u0131r, yen\u0259 n\u0259tic\u0259 etibaril\u0259 bank m\u00fc\u015ft\u0259ri itirir.<\/p>\n

\u00dc\u00e7\u00fcnc\u00fc bir problem – \u0259m\u0259liyyat zaman\u0131 \u015f\u0259b\u0259k\u0259 q\u0131r\u0131l\u0131r v\u0259 \u0259m\u0259liyyat tamamlanm\u0131r. M\u0259s\u0259l\u0259n, u\u011furlu avtorizasiya olur, \u0259m\u0259liyyat\u0131 tamamlamaq ist\u0259y\u0259nd\u0259 is\u0259 \u015f\u0259b\u0259k\u0259 q\u0131r\u0131l\u0131r. Bu halda m\u00fc\u015ft\u0259rinin pulu na\u011fds\u0131z formada \u00f6d\u0259nmir v\u0259 bloka d\u00fc\u015f\u00fcr. Bel\u0259 olan halda is\u0259 m\u00fc\u015ft\u0259ri yenid\u0259n gedib banka m\u00fcraci\u0259t etm\u0259lidir ki, bank blokdan \u00e7\u0131xars\u0131n. Bu da naraz\u0131l\u0131q yarad\u0131r v\u0259 bu da bank \u00fc\u00e7\u00fcn m\u00fc\u015ft\u0259ri itkisi dem\u0259kdir.<\/p>\n

N\u0259hay\u0259td\u0259, h\u0259r bir bank na\u011fds\u0131z \u00f6d\u0259ni\u015f h\u0259cmi artd\u0131qca g\u0259lir \u0259ld\u0259 edir. M\u0259s\u0259l\u0259n, A bank kart\u0131 il\u0259 B bank\u0131n\u0131n POS-terminal\u0131nda \u0259m\u0259liyyat etdikd\u0259, A bank\u0131 inter\u00e7eync (interchange), y\u0259ni xidm\u0259t haqq\u0131 qazan\u0131r ki, bu da \u0259m\u0259liyyat\u0131n m\u00fc\u0259yy\u0259n faizi m\u0259bl\u0259\u011find\u0259 olur. \u018fm\u0259liyyat ke\u00e7m\u0259dikc\u0259 bank bu g\u0259lird\u0259n d\u0259 m\u0259hrum olur”.<\/p>\n

\"\"<\/p>\n

Ya\u015fanan m\u0259lum problem – \u00f6lk\u0259 \u00fczr\u0259 POS-terminallar\u0131n say\u0131 v\u0259 d\u00f6vriyy\u0259si bar\u0259d\u0259 statistikan\u0131 \u00f6yr\u0259nm\u0259k \u00fc\u00e7\u00fcn Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131na da sor\u011fu verdik.<\/p>\n

Qurumun M\u0259tbuat Xidm\u0259tind\u0259n\u00a0Oxu.Az<\/strong>-\u0131n sor\u011fusuna cavab olaraq bildirildi ki, \u00f6t\u0259n g\u00fcn ax\u015fam saatlar\u0131nda \u00f6lk\u0259 \u0259razisind\u0259 M\u0259rk\u0259zi Bankdan qaynaqlanmayan s\u0259b\u0259bl\u0259rd\u0259n dolay\u0131 POS-terminal v\u0259 \u00f6d\u0259m\u0259 terminallar\u0131n\u0131n i\u015find\u0259 q\u0131sam\u00fcdd\u0259tli \u00e7\u0259tinlikl\u0259r ba\u015f verib. T\u0259xir\u0259sal\u0131nmaz t\u0259dbirl\u0259r \u00e7\u0259r\u00e7iv\u0259sind\u0259 \u00e7\u0259tinlikl\u0259r aradan qald\u0131r\u0131l\u0131b v\u0259 terminallar\u0131n i\u015fi b\u0259rpa olunub.<\/p>\n

“\u00d6lk\u0259 \u0259razisind\u0259ki POS-terminallar\u0131n say\u0131 v\u0259 d\u00f6vriyy\u0259si m\u0259s\u0259l\u0259sin\u0259 g\u0259linc\u0259, diqq\u0259tiniz\u0259 \u00e7atd\u0131r\u0131r\u0131q ki, 30.06.2024-c\u00fc il tarixin\u0259 \u00f6lk\u0259 \u00fczr\u0259 \u00fcmumilikd\u0259 97.7 min \u0259d\u0259d POS-terminal m\u00f6vcud olub ki, bu terminallar\u0131n 94,9 min \u0259d\u0259di p\u0259rak\u0259nd\u0259 ticar\u0259t, ictimai ia\u015f\u0259 v\u0259 xidm\u0259t m\u00fc\u0259ssis\u0259l\u0259rind\u0259 qura\u015fd\u0131r\u0131l\u0131b.<\/p>\n

2024-c\u00fc ilin I yar\u0131mili \u0259rzind\u0259 POS-terminallar vasit\u0259sil\u0259 \u00f6lk\u0259 daxilind\u0259 h\u0259yata ke\u00e7irilmi\u015f na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n h\u0259cmi is\u0259 5.7 mlrd. manat olub”.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u0130yulun 24-d\u0259 POS-terminallar\u0131n v\u0259 \u00f6d\u0259m\u0259 aparatlar\u0131n\u0131n i\u015find\u0259\u00a0nasazl\u0131q yaranmas\u0131\u00a0na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259r\u0259 \u00fcst\u00fcnl\u00fck ver\u0259n v\u0259t\u0259nda\u015flar\u0131n \u00e7\u0259tin v\u0259ziyy\u0259td\u0259 qalmas\u0131na s\u0259b\u0259b olmu\u015fdu. ARANTV.AZ \u00a0x\u0259b\u0259r verir ki, problem b\u00fct\u00fcn \u00f6lk\u0259 \u00fczr\u0259 m\u00fc\u015fahid\u0259 olunub. He\u00e7 bir yerd\u0259 na\u011fds\u0131z \u00f6d\u0259ni\u015fd\u0259n istifad\u0259 ed\u0259 bilm\u0259y\u0259n v\u0259t\u0259nda\u015flar sosial \u015f\u0259b\u0259k\u0259l\u0259rd\u0259 m\u0259s\u0259l\u0259ni m\u00fczakir\u0259y\u0259 \u00e7\u0131xar\u0131blar. \u00c7oxlar\u0131 bu m\u0259s\u0259l\u0259d\u0259 \u00f6d\u0259ni\u015f kartlar\u0131n\u0131n aid oldu\u011fu banklar\u0131 g\u00fcnahland\u0131r\u0131b. Bank \u0259m\u0259kda\u015flar\u0131 is\u0259 problemin banklardan deyil, mobil operatorlardan qaynaqland\u0131\u011f\u0131 qeyd edibl\u0259r. M\u00fczakir\u0259l\u0259r zaman\u0131 ir\u0259li s\u00fcr\u00fcl\u0259n iddialardan biri d\u0259 sistem\u0259 kiberh\u00fccum olmas\u0131 il\u0259 ba\u011fl\u0131 olub. M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 POS-terminallar\u0131 S\u0130M-kartla t\u0259min ed\u0259n “Azercell Telekom” MMC-y\u0259 sor\u011fu \u00fcnvanlad\u0131q. Qurumun M\u0259tbuat Xidm\u0259tind\u0259n\u00a0Oxu.Az-\u0131n sor\u011fusuna…<\/p>\n","protected":false},"author":2,"featured_media":739985,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[1],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/1721847443_1.jpg",700,394,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/1721847443_1.jpg",700,394,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/1721847443_1.jpg",700,394,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/1721847443_1-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/1721847443_1-648x365.jpg",648,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/1721847443_1.jpg",640,360,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/1721847443_1.jpg",700,394,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/1721847443_1.jpg",700,394,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/1721847443_1-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/1721847443_1.jpg",700,394,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"\u0130yulun 24-d\u0259 POS-terminallar\u0131n v\u0259 \u00f6d\u0259m\u0259 aparatlar\u0131n\u0131n i\u015find\u0259\u00a0nasazl\u0131q yaranmas\u0131\u00a0na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259r\u0259 \u00fcst\u00fcnl\u00fck ver\u0259n v\u0259t\u0259nda\u015flar\u0131n \u00e7\u0259tin v\u0259ziyy\u0259td\u0259 qalmas\u0131na s\u0259b\u0259b olmu\u015fdu. ARANTV.AZ \u00a0x\u0259b\u0259r verir ki, problem b\u00fct\u00fcn \u00f6lk\u0259 \u00fczr\u0259 m\u00fc\u015fahid\u0259 olunub. He\u00e7 bir yerd\u0259 na\u011fds\u0131z \u00f6d\u0259ni\u015fd\u0259n istifad\u0259 ed\u0259 bilm\u0259y\u0259n v\u0259t\u0259nda\u015flar sosial \u015f\u0259b\u0259k\u0259l\u0259rd\u0259 m\u0259s\u0259l\u0259ni m\u00fczakir\u0259y\u0259 \u00e7\u0131xar\u0131blar. \u00c7oxlar\u0131 bu m\u0259s\u0259l\u0259d\u0259 \u00f6d\u0259ni\u015f kartlar\u0131n\u0131n aid oldu\u011fu banklar\u0131 g\u00fcnahland\u0131r\u0131b. Bank \u0259m\u0259kda\u015flar\u0131 is\u0259 problemin banklardan…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/739984"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=739984"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/739984\/revisions"}],"predecessor-version":[{"id":739986,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/739984\/revisions\/739986"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/739985"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=739984"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=739984"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=739984"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}