Tarikh: Ogozi barasii masalai rushdi nizomi pardokht-15 marti soli 2010;
- Suporish Hukumati Jumsurii Tojikiston oidi hisobbarobarkunihoi gayrinaqdi – 29 oktyabri soli 2011;
- Ogozi faoliyat: mohi yanvari soli 2012;
- Tasdiqi Qoidahoi NPM «KORTI MILLI» :mohi iyuni soli 2012;
- Soli 2016 shumorai ishtirokdoroni NPM «KORTIMILLI» 18-tashkiloti qarz k, az on jumla 15 bonk va 3-TAQKh rasid.
Maqsadi tashkili korti milli:
- Tashkili zaminai mustahakamu sohibikhtiyor;
- Kam kardani khavfi tasiri omilhoi beruna;
- Rushdi infrasokhtori qabul, khizmatrasoni va hisobbarobarkunihoi korthoi pardokhti;
- Hisobbarobarkunihoi ishtirokdoroni nizom bo puli milli tavassuti Bonki millii Tojikiston;
- Integratsiya bo loihahoi korti amalkunanda;
- Mutobiqat ba standarthoi nizomhoi pardokhtii baynalmilali;
Qoidahoi faoliyati Nizomi pardokhti millii “KORTI MILLI”
Qoidahoi faoliyati Nizomi pardokhti millii “KORTI MILLI” (minbad ‐ Qoidaho) mutobiqi moddai 6 Qonuni Jumhurii Tojikiston «Dar borai Bonki millii Tojikiston» tahiya shuda, faoliyati nizomi pardokhti millii “KORTI MILLI”, sokhtori tashkili va tartibi hamkorii ishtirokdoroni Nizomi pardokhti millii “KORTI MILLI”, huququ uhdadoriho va masuliyati onhoro muayyan menamoyad.
- Muqarraroti umumi
- Dar Qoidahoi mazkur mafhumhoi asosii zerin istifoda shudaand:
– Nizomi pardokhti millii “KORTI MILLI” (minbad ‐ NPM «KORTI MILLI») ‐ Nizomi millii hisobbarobarkuniho tavassuti korthoi pardokhtii bonkii “KORTI MILLI”, ki mutobiqi talaboti Qoidahoi mazkur ba Ishtirokdoron baroi emissiya (barorish) va ekvayringi kortho imkoniyat medihad;
– tanzimgari NPM “KORTI MILLI” (minbad ‐ Tanzimgar) –tashkilote, ki az jonibi Bonki millii Tojikiston baroi taminifaoliyat va amniyati tekhnologii NPM “KORTI MILLI” vakolatdorshudaast;
– ishtirokdori NPM “KORTI MILLI” (minbad ‐Ishtirokdor) – tashkiloti qarzie meboshad, ki barorish va khizmatrasonii korthoi pardokhtii NPM “KORTI MILLI”‐ro amali
menamoyad;
– emitent – Ishtirokdore, ki tibqi Qoidahoi mazkur bo barorishi korthoi pardokhtii bonki mashgul meboshad;
– ekvayer – Ishtirokdore meboshad, ki tibqi Qoidahoi mazkur qabuli korthoi pardokhtiro dar muassisahoi savdo va khizmatrasoni,
qabul va/yo peshnihodi puli naqdro az rui amaliyotho tavassuti korthoi pardokhtii bonki va digar amaliyothoro ijro menamoyad;
– ekvayring – faoliyati tashkiloti qarzi oid ba peshnihodi puli naqd ba dorandagoni kort, az jumla munosibathoi shartnomavi bo muassisahoi savdo va khizmatrasoni, ki korthoi pardokhtii bonkiro ba sifati vositai pardokhti molho, korho va khizmatrasoniho qabul menamoyand;
– raqami mushakhkhasi bonki (RMB) (ikhtisorai BIN mutobiqi
amaliyai baynalmilali) – raqami yagonae meboshad, ki ba Ishtirokdor baroi mushakhkhas kardani faoliyati emissioni va/yo
ekvayringii u doda meshavad;
– Shabakai terminali – terminalho, bankomatho, tajhizoti kommunikatsioni va digar tajhizot, ki infrasokhtori tekhnikii qabul va khizmatrasonii korthoi pardokhtii bonkiro tashkil
medihand;
– Ishtirokdori mustaqim – Ishtirokdore, ki mustaqiman ba
NPM “KORTI MILLI” payvast gardidaast;
– payvastshavii mustaqim – chunin tarzi payvastshavii Ishtirokdor meboshad, ki dar on peshburdi poygohi malumothoi korthoi pardokhti, avtorizatsiyai tranzaksiyaho va dastgirii Shabakai terminalii Ishtirokdor az jonibi Tanzimgari NPM “KORTI MILLI” amali megardad;
– payvastshavii baynihosti (ikhtisorai N2N mutobiqi amaliyai baynalmilali) – chunin tarzi payvastshavii Ishtirokdor meboshad,
ki dar on peshburdi poygohi malumothoi korthoi pardokhtii khudi Ishtirokdor, avtorizatsiyai tranzaksiyaho va dastgirii Shabakai terminalii Ishtirokdor dar majmaai barnomaviyu tekhnikii khudi Ishtirokdor amali megardad;
– kliring – tartibi az jonibi Tanzimgar omoda kardani hisobothoi kliringi ba Bonki hisobbarobarkuni baroi guzaronidani hisobbarobarkunihoi nihoi bayni Ishtirokdoron az
rui amaliyotho bo istifodai korthoi pardokhti;
– surathisobi murosiloti (minbad ‐ Surathisob) – surathisobe meboshad, ki ba Ishtirokdor dar Bonki hisobbarobarkuni baroi guzaronidani hisobbarobarkunihoi nihoi az rui amaliyotho bo istifodai korthoi pardokhtii NPM “KORTI MILLI” kushoda shudaast;
– Bonki hisobbarobarkunii NPM “KORTI MILLI” (minbad ‐ Bonki hisobbarobarkuni) – Bonki millii Tojikiston meboshad, ki khizmatrasonii Surathisobhoi Ishtirokdoronro az rui korthoi pardokhtii NPM “KORTI MILLI” amali menamoyad;
– avtorizatsiya – tartibi tasdiq namudani vakolathoi dorandai korthoi pardokhti az jonibi emitent baroi guzaronidani amaliyot bo istifodai korti pardokhtii bonki;
– tranzaksiya – majmui amaliyothoi tekhnologi va/yo moliyavi hangomi istifodabarii korti pardokhtii bonki yo mushakhkhasoti on;
– rohnamoi (marshrutizatsiya) – ravandi az nav ravon kardani
tranzaksiyaho bayni Ishtirokdor va Tanzimgar
– personalizatsiyai korthoi pardokhti – ravandi joygirkunii
ittilooti mushakhkhaskunanda ba korti pardokhtii bonki, sabt ba
khotirai mikroprotsessor (chip) va/yo navori magnitii kort, ki tibqi
Qoidahoi mazkur peshbini shudaast.
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- Hangomi vorid namudani tagyiru ilovaho ba Qoidahoi
mazkur Tanzimgar dar in bora hatman ishtirokdoronro na dertar az
15 (ponzdah) ruzi taqvimi pesh az mavridi amal qaror giriftani
tagyiru ilovaho ogoh menamoyad. Har yak Ishtirokdor doir ba vorid
namudani tagyiru ilovaho ba Qoidahoi mazkur metavonad taklifhoi
khudro peshnihod namoyad.
- Ijro namudani Qoidahoi mazkur baroi hamai
Ishtirokdoron hatmi meboshad.
- Sokhtori tashkilii NPM “KORTI MILLI”
- NPM “KORTI MILLI” az qismhoi zerin iborat
meboshad:
‐ Bonki hisobbarobarkuni;
‐ Tanzimgar;
‐ Ishtirokdoron.
- Bonki hisobbarobarkuni az rui Surathisobhoi dar Bonki
millii Tojikiston kushodai Ishtirokdoron hisobbarobarkunii
nihoii amaliyothoro tavassuti korthoi pardokhtii bonki amali
menamoyad.
- Tanzimgar vazifahoi zerinro ijro menamoyad:
‐personalizatsiyai korthoi pardokhti;
‐rohnamoi va korkardi tranzaksiyaho dar shabakahoi
terminalii ba NPM “KORTI MILLI” va digar nizomhoi
pardokhtii baynalmilali/mahalli payvastgardida;
‐tamini faoliyat va amniyati shabakai NPM «KORTI
MILLI;
‐guzaronidani arbitraj az rui tranzaksiyahoi bahstalab;
‐rushdu takmili NPM “KORTI MILLI”;
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‐digar vazifahoe, ki dar shartnomahoi dakhldor peshbini
shudaand.
- Tanho Ishtirokdoron huquqi barorish va khizmatrasonii
korthoi pardokhtii NPM “KORTI MILLI”‐ro dorand.
- Ba Ishtirokdoron emissiya va ekvayringi korthoi
pardokhtii NPM “KORTI MILLI” baroi tarafhoi seyum, ki
Ishtirokdor nestand, man ast.
- Tartibi payvastshavi ba NPM “KORTI MILLI”
- Baroi payvastshavi ba NPM “KORTI MILLI” tashkiloti
qarzi ba Bonki millii Tojikiston tibqi bandi 21‐i Qoidahoi
mazkur hujjathoro peshnihod menamoyad. Bonki millii Tojikiston
dar muddati 5 (panj) ruzi kori hujjathoi peshnihodshudaro barrasi
namuda, baroi ba tashkiloti qarzi dodani maqomi Ishtirokdor
qaror qabul menamoyad.
- Badi giriftani rozigii Bonki millii Tojikiston,
tashkiloti qarzie, ki giriftani maqomi Ishtirokdori NPM
“KORTI MILLI”–ro darkhost kardaast, bo Bonki millii Tojikiston
Sozishnoma oid ba ishtirok dar Nizomi pardokhti millii “KORTI
MILLI” va Shartnoma “Dar borai guzaronidani
hisobbarobarkuniho az rui amaliyotho bo istifodai korthoi
pardokhtii NPM “KORTI MILLI”, hamchunin bo Tanzimgari NPM
“KORTI MILLI” Shartnoma “Dar borai peshnihodi
khizmatrasonihoi protsessingi” ba imzo merasonad.
- Tartibi bozdosht va qat gardidani ishtirok dar NPM
“KORTI MILLI”
- Bonki millii Tojikiston metavonad ishtirok namudani
Ishtirokdorro dar NPM “KORTI MILLI” dar holathoi zerin bo
tartibi yaktarafa qat gardonad:
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– Ishtirokdor kifoya budani mablaghoro dar Surathisobi khud
dar Bonki hisobbarobarkuni baroi guzaronidani
hisobbarobarkunihoi nihoi az rui amaliyothoi bo istifodai
korthoi pardokhti ijrogardida, tamin karda natavonad;
– qabul shudani qarori Rayosati Bonki millii Tojikiston dar
borai bozkhondi ijozatnomai Ishtirokdor baroi guzaronidani
amaliyothoi bonki;
– Ishtirokdor barhamkhurii khudro elon menamoyad;
– dar digar holathoe, ki dar Qoidahoi mazkur, Shartnoma “Dar
borai peshnihodi khizmatrasonihoi protsessingi” va qonunguzorii
amalkunandai Jumhurii Tojikiston peshbini shudaand.
- Dar holati az jonibi Ishtirokdor vayron karda shudani
sharthoi peshbinikardai Qoidahoi mazkur va Shartnoma “Dar borai
peshnihodi khizmatrasonihoi protsessingi”, Tanzimgar huquq dorad
ba Ishtirokdori dakhldori NPM “KORTI MILLI” ogohnomai khatti
ravona kunad, ki dar on har yak kambudi va muhlati bartaraf
namudani on nishon doda meshavad. Muhlati mazkur boyad az 30 (si)
ruzi taqvimi ziyod naboshad.
- Agar kambudiho dar muhlati dar ogohnoma
nishondodashuda bartaraf karda nashavand, on goh in Ishtirokdor
boyad ba Tanzimgar mablagi 5000 (panj hazor) somoni jarima pardokht
namoyad. Jarima dar asosi talaboti khattii Tanzimgar bo hisobnoma –
fakturai zamimagardida dar muhlati na ziyoda az 5 (panj) ruzi kori
az lahzai giriftani talaboti dakhldor pardokht karda meshavad.
- Dar holati jarimaro pardokht nakardan va yo kambudihoro
dar muhlati nishondodai ogohnoma bartaraf nakardani
Ishtirokdor, Tanzimgar huquq dorad guzaronidani amaliyothoro bo
istifodai korthoi pardokhtii bonki muvaqqatan bozdorad va
Shabakai terminalii Ishtirokdori mazkurro dar NPM “KORTI
MILLI” bozdosht namuda, u va digar Ishtirokdoroni NPM “KORTI
MILLI”‐ro dar in bora ba tavri khatti ogoh namoyad. Tanzimgar
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badi 5 (panj) ruzi kori az sanai ba tavri khatti irsol namudani
ogohnomai bozdosht, faoliyati raqamhoi mushakhkhasi bonkii
Ishtirokdori mazkurro dar NPM “KORTI MILLI” bozdosht
namuda, korkardi tranzaksiyahoro baroi Shabakai terminalii u qat
megardonad.
- Dar ogohnoma oid ba muvaqqatan bozdosht namudani
amaliyothoi Ishtirokdor, Tanzimgar muhlati bozdoshti muvaqqatiro
nishon medihad, ki pas az ba okhir rasidani on uzviyati Ishtirokdori
mazkur dar NPM “KORTI MILLI” metavonad qat gardad.
- Pas az ba okhir rasidani muhlati bozdoshti muvaqqatii
guzaronidani amaliyotho va rioya nagardidani sharthoi dar bandi 13
zikrshuda, uzviyati Ishtirokdori dakhldor dar NPM “KORTI
MILLI” qat gardida, dar in bora Ishtirokdor ba tavri khatti az
jonibi Bonki millii Tojikiston ogoh karda meshavad. Dar
ogohnomai qat gashtani uzviyat sababho va sanai qat gardidani
ishtirok dar NPM “KORTI MILLI” nishon doda meshavand.
Hamchunin Tanzimgar ba Ishtirokdoroni digar oid ba qat gardidani
uzviyati yake az Ishtirokdoron ogohnoma ravon mekunad. Az lahzai
qat gardidani ishtirok dar NPM “KORTI MILLI” amali
Shartnoma “Dar borai peshnihodi khizmatrasonihoi protsessingi” bo
Ishtirokdori dakhldor qat megardad, agar sharthoi digari qat
gardidani Shartnomai mazkur dar khudi Shartnomai dar bolo
zikrgardida peshbini nashuda boshand.
- Ishtirokdor bo irsol namudani ogohnomai khatti ba Bonki
millii Tojikiston, ki dar on sababi dast kashidan az ishtirok
nishon doda meshavad, metavonad uzviyati khudro dar NPM “KORTI
MILLI” qat namoyad. Chunin ogohnoma az jonibi Ishtirokdor na
kamtar az 30 ruzi taqvimi to sanai qat gardidani uzviyat dar NPM
“KORTI MILLI” boyad ba Bonki millii Tojikiston firistoda
shavad.
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- Qat gardidani ishtirok dar NPM “KORTI MILLI”
Ishtirokdorro __オシ5*_・az・ ijroi uhdadorihoi dar Qoidahoi mazkur va
Shartnomai “Dar borai peshnihodi khizmatrasonihoi protsessingi”
peshbinishuda, ki dar davrai ishtiroki u dar NPM “KORTI
MILLI” ba miyon omadaand, ozod namekunad. Dar in mavrid
uhdadorii Ishtirokdor dar borai makhfi nigoh doshtan va fosh
nakardani malumoti doroi sirri bonki buda, ki dar davrai
ishtirok dar NPM “KORTI MILLI” ba u malum gardidaast, ba
muhlati 5 (panj) sol az sanai qat gardidani ishtiroki u dar NPM
“KORTI MILLI” boqi memonad, agar Shartnomai “Dar borai
peshnihodi khizmatrasonihoi protsessingi” muhlati digarero
muqarrar nakarda boshad.
- Hangomi qat gardidani ishtirok dar NPM “KORTI
MILLI” Ishtirokdori dakhldor uhdador ast, ki hamai malumoti
doroi sirri bonki va/yo hujjathoi Tanzimgarro, ki hamchun
Ishtirokdor giriftaast, pas az irsol va/yo giriftani ogohnoma
favran bargardonad.
- Pas az firistodani ogohnomai khatti ba Ishtirokdor yo
giriftani ogohnoma az Ishtirokdor dar borai qat namudani uzviyat
dar NPM “KORTI MILLI”, Ishtirokdori dakhldor uhdador ast dar
muhlati 30 (si) ruzi taqvimi shartnomai khizmatrasonii dorandagoni
“KORTI MILLI” bo muassisahoi savdo va khizmatrasoni va/yo
shartnomahoi dodani korthoi pardokhtii bonkii “KORTI MILLI”
va khizmatrasonii onhoro bekor namoyad.
- Baroi dokhil gashtan ba NPM “KORTI MILLI” va
giriftani maqomi Ishtirokdor tashkilothoi qarzi hujjathoi
zerinro peshnihod menamoyand:
– maktub – darkhost dar borai payvastshavi ba NPM “KORTI
MILLI”. Ba maktubi mazkur shakli purkardashuda “Ariza oidi
ishtirok dar Nizomi pardokhti millii “KORTI MILLI” zamima
megardad ” (Zamimai 1);
9
– naqshai faoliyat (Zamimai 2).
- Badi dokhil gashtan ba NPM “KORTI MILLI”, Tanzimgar
Ishtirokdorro mustaqiman yo tavassuti payvastshavii baynihosti ba
qayd girifta, faoliyatashro dar NPM “KORTI MILLI” ba tartib
medarorad. Muhlati baqaydgiri va mushakhkhassozii Ishtirokdori
mustaqim dar NPM “KORTI MILLI” dar Shartnomai “Dar borai
khizmatrasonihoi protsessingi” muayyan karda meshavad. Baqaydgiri
va mushakhkhassozii Ishtirokdor bo tarzi payvastshavii baynihosti
dar davrai ogozi payvastshavii bayni NPM “KORTI MILLI” va
markazi protsessingii Ishtirokdor amali megardad.
- Bo darkhosti khattii Ishtirokdori NPM “KORTI
MILLI”, az jonibi Tanzimgar ba Ishtirokdori mazkur yak yo yakchand
raqami mushakhkhasi bonki doda meshavad. Raqamhoi mushakhkhasi bonki
tibqi sharthoi dar Shartnomai “Dar borai peshnihodi
khizmatrasonihoi protsessingi” muqarrargardida doda meshavand.
- Tartibi barorishi korthoi pardokhtii bonki
- Emitent dar NPM “KORTI MILLI” vazifahoi zerinro
ijro menamoyad:
– barorishi korthoi pardokhtii bonkii NPM “KORTI
MILLI” dar zaminai tekhnologiya va standarthoi NPM “KORTI
MILLI”;
– tamini hisobbarobarkuniho az rui surathisobhoi
dorandagoni korthoi pardokhtii bonkii az jonibi Ishtirokdor
kushodashuda doir ba amaliyothoe, ki dar Shabakai terminalii
Ishtirokdoron ijro gardidaand;
– korkardi hisobothoe, ki az Tanzimgar oid ba tranzaksiyahoi
mushtariyoni Ishtirokdor ‐ dorandagoni korthoi pardokhtii bonkii
NPM “KORTI MILLI” girifta shudaand;
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– idorakunii poygohi malumothoi korthoi pardokhti,
surathisobho va hududho (limitho). Ishtirokdor metavonad ijro
namudani in amalro bevosita ba Tanzimgar voguzor namoyad;
– ishtirok namudan dar barrasii davohoi moliyavi az rui
amaliyothoe, ki bo istifodai korthoi pardokhtii bonkii mushtariyoni
Ishtirokdor amali gardidaand va dar asosi onho tartib dodani
malumoti dakhldor baroi Tanzimgar.
- Emitent uhdador ast:
– hamai talabothoi dar Qoidahoi mazkur zikrshudaro ijro
namoyad;
– ijroi nishondodhoi dar naqshai faoliyat
muqarrargardidaro dar doirai NPM “KORTI MILLI” tamin
karda, ba hamai dorandagoni korthoi pardokhtii bonki nomgui
purrai khizmatrasonihoro az rui korthoi pardokhti dar doirai
ishtirok dar NPM “KORTI MILLI” peshnihod namoyad;
– ba dorandagoni korthoi pardokhti doir ba Shabakai terminali
va qoidahoi khizmatrasonii korthoi pardokhtii Ishtirokdoron
malumoti purra peshnihod namoyad, dar borai qoidahoi
istifodabari maslihat dihad, dar halli mushkilotu masalahoi
dorandagoni korthoi pardokhti, ki dar vaqti guzaronidani amaliyotho
dar Shabakahoi terminali ba miyon meoyand, musoidat namoyad;
– ba dorandagoni korthoi pardokhtii bonkie, ki Ishtirokdor
barovardaast, imkoniyathoi Shabakai terminaliro mahdud nakunad;
– haqqi khizmati Tanzimgarro mutobiqi sharthoi Shartnomai
“Dar borai peshnihodi khizmatrasonihoi protsessingi” pardokht
namoyad;
– dar muddati 3 (se) ruzi kori dar borai hamai tagyiroti
tashkiliyu huquqii Emitent, az jumla holathoi muflisshavii
Emitent, mahrum gardidan az ijozatnomai bonki baroi guzaronidani
amaliyoti bonki, ba Tanzimgar khabar dihad;
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– talaboti Bonki hisobbarobarkuniro oid ba nigohdorii hajmi
zarurii mablag dar Surathisobi Ishtirokdor baroi guzaronidani
amaliyotho az rui korthoi pardokhti ijro namoyad;
– ba Bonki hisobbarobarkuni baroi hisobbarobarkunii
amaliyothoi dar doirai NPM “KORTI MILLI” guzaronidashuda oid
ba bechunucharo az Surathisob khorij va ba on vorid namudani mablagi
puli dar asosi hisobothoi kliringii peshnihodkardai Tanzimgar
huquq dihad;
– tibqi Qoidahoi mazkur malumoti makhfiero, ki hangomi
ijroi uhdadorihoi vazifavi ba Ishtirokdor malum gardidaast,
makhfi nigoh dorad.
- Tartibi ekvayring
- Amaliyot va vazifahoe, ki Ekvayer dar NPM “KORTI
MILLI” ijro menamoyad, az inho iborat ast (ammo, bo in amaliyotu
vazifaho mahdud nameshavand):
– guzaronidani amaliyoti dodani puli naqd va/yo qabuli on az
dorandagoni korthoi pardokhtii bonkii Ishtirokdoron tavassuti
bankomatho va nuqtahoi qabul va/yo peshnihodi puli naqd;
– guzaronidani amaliyoti pardokhti haqqi khizmatrasoniho
tavassuti Shabakai terminali;
– guzaronidani amaliyoti intiqoli mablagho tavassuti Shabakai
terminali;
– guzaronidani amaliyoti tekhnologi va hisobbarobarkuni baroi
tamini qabuli korthoi pardokhtii bonki dar muassisahoi savdo va
khizmatrasoni hamchun vositai pardokht;
– idorakuni va khizmatrasonii Shabakai terminalii khud;
– tamini amniyati ravandi idorakunii Shabakai terminalii
khud.
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- Ekvayer metavonad taminoti ittilooti – tekhnologii
vazifahoi dar bolo zikrgardidaro ba Tanzimgar voguzor namoyad.
- Ekvayer uhdador ast:
– hamai talabothoi dar Qoidahoi mazkur zikrshudaro ijro
namoyad;
– dar bankomatho, nuqtahoi peshnihod va/yo qabuli puli naqd,
terminalhoi khudkori khudkhizmatrason, muassisahoi savdoyu
khizmatrasoni va dar hamai lavhahoe, ki baroi khabardor namudani
dorandagoni korthoi pardokhti oid ba imkoniyati istifodai korthoi
pardokhtii NPM “KORTI MILLI” peshbini shudaand, nishoni NPM
“KORTI MILLI” – ro joygir namoyad;
– naqshai faoliyati khudro dar doirai NPM “KORTI MILLI”
ijro karda, sifati balandi khizmatrasoniro dar Shabakai
terminalii khud tamin namoyad;
– ba hamai dorandagoni korthoi pardokhtii bonkii Ishtirokdor
hangomi khizmatrasoni barobarhuquqiro tamin karda, hamai
namudhoi imkonpaziri khizmatrasonihoi khudro az rui korti
pardokhtii bonki peshnihod namoyad;
– ba dorandagoni korthoi pardokhtii bonkii Ishtirokdor oid
ba sharthoi khizmatrasonii korthoi pardokhtii bonki dar Shabakai
terminalii khud, inchunin oid ba haqqi khizmatrasonii ilovagie, ki az
dorandai korti pardokhtii bonki baroi guzaronidani in yo on
amaliyot girifta meshavad, agar chunin holat joy doshta boshad,
malumoti purra peshnihod namoyad;
– dar Shabakai terminalii khud hangomi khizmatrasoni ba
dorandagoni korthoi pardokhtii bonki imkoniyathoi Shabakai
terminaliro mahdud nakunad;
– faoliyati Shabakai terminalii khud, sathi bekhatari va
amniyati tranzaksiyahoro tamin namoyad;
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– haqqi khizmati Tanzimgarro tibqi talabothoi Shartnoma “Dar
borai peshnihodi khizmatrasonihoi protsessingi” pardokht namoyad;
– dar muddati 3 (se) ruzi kori dar borai hama guna tagyiroti
tashkiliyu huquqi az lahzai etibor paydo kardani onho, az jumla
dar borai holathoi muflisshavii Ekvayer, mahrum shudan az
ijozatnomai bonki baroi guzaronidani amaliyothoi bonki, ba
Tanzimgar khabar dihad;
– talaboti Bonki hisobbarobarkuniro oid ba nigohdorii hajmi
zarurii mablag dar Surathisob baroi hisobbarobarkuni az rui
amaliyothoi dar doirai NPM “KORTI MILLI” anjomdoda ijro
namoyad;
– ba Bonki hisobbarobarkuni baroi hisobbarobarkunii
amaliyothoi dar doirai NPM “KORTI MILLI” guzaronidashuda oid
ba bechunucharo az Surathisob khorij va ba on vorid namudani mablagi
puli dar asosi hisobothoi kliringii peshnihodkardai Tanzimgar
huquq dihad;
– tibqi Qoidahoi mazkur malumoti makhfiero, ki hangomi
ijroi uhdadorihoi vazifavi ba Ishtirokdor malum gardidaast,
makhfi nigoh dorad.
- Tartibi avtorizatsiya, kliring va hisobbarobarkuni
- Tanzimgar rohnamoii tranzaksiyahoi baynibonkiro tanho
bo puli milli ‐ somoni, amali megardonad. Darkhosthoi
avtorizatsioni bo digar asori tranzaksiyaho rohnamoi karda
nameshavad.
- Vobasta az tarzi payvastshavii Ishtirokdor ba NPM
“KORTI MILLI”, chor rohi hamkori bayni Emitent va Ekvayer
imkonpazir meboshad:
14
– Emitent – Ishtirokdori mustaqim, Ekvayer – Ishtirokdori
mustaqim;
– Emitent – Ishtirokdore, ki payvastshavii baynihostiro
istifoda mebarad, Ekvayer – Ishtirokdori mustaqim;
– Emitent – Ishtirokdori mustaqim, Ekvayer – Ishtirokdore,
ki payvastshavii baynihostiro istifoda mebarad;
– Emitent – Ishtirokdore, ki payvastshavii baynihostiro
istifoda mebarad, Ekvayer – Ishtirokdore, ki payvastshavii
baynihostiro istifoda mebarad.
- Vobasta az tarzi payvastshavii Ishtirokdor se naqshai
tranzaksiyaho mavjudand:
– Emitent va Ekvayer Ishtirokdorone meboshand, ki
payvastshavii baynihostiro istifoda mebarand;
– Emitent Ishtirokdori mustaqim meboshad, Ekvayer
Ishtirokdori mustaqim yo Ishtirokdore, ki payvastshavii
baynihostiro istifoda mebarad, meboshad;
– Ekvayer Ishtirokdori mustaqim meboshad, Emitent
Ishtirokdori mustaqim yo Ishtirokdore, ki payvastshavii
baynihostiro istifoda mebarad, meboshad.
- Agar Emitent va Ekvayer Ishtirokdoroni mustaqim
boshand, on goh tranzaksiyaho bo tartibi zerin guzaronida meshavand:
1) bo maqsadi guzaronidani amaliyot bo istifodai korti
pardokhtii NPM “KORTI MILLI” dorandai korti pardokhti ba yake
az tajhizothoi Shabakai terminali murojiat menamoyad;
2) tajhizoti dar bolo zikrgardida darkhosti avtorizatsioniro
omoda karda, onro ba Ekvayere, ki tajhizoti mazkurro khizmatrasoni
mekunad, irsol menamoyad;
3) Ekvayer tartibi avtorizatsiyaro mustaqilona anjom medihad
va tasdiqnomaro tartib doda, ba tajhizote, ki in darkhostro tartib
dodaast, ravon mekunad. Agar dorandai korti pardokhtii bonkii NPM
15
“KORTI MILLI” mushtarii Ishtirokdori digar boshad, on goh
Ekvayer darkhosti avtorizatsioniro ba Tanzimgar ravon mekunad;
4) Tanzimgar ba kadom Emitent taalluq doshtani korti
pardokhtii bonkii NPM “KORTI MILLI” – ro, ki tranzaksiyaro
ogoz namudaast, muayyan menamoyad;
5) Tanzimgar darkhosti avtorizatsioniro ba Emitent ravon
mekunad;
6) Emitent avtorizatsiyai tranzaksiyahoro guzaronida,
malumoti zerinro taftish menamoyad:
– raqami mushakhkhaskunandai shakhsi (agar tranzaksiya bo
istifodai raqami mushakhkhaskunandai shakhsi ijro gardad);
– mavjudiyati korti pardokhti dar poygohi malumothoi korthoi
pardokhtii khud;
– muhlati etibori korti pardokhtii bonki;
– mavjud budani mablagi kofi dar surathisobi dorandai korti
pardokhtii bonki baroi guzaronidani tranzaksiya;
– mavjud nabudani korti pardokhtii bonki dar ruykhati korthoi
az khizmatrasoni bozdoshtashuda.
7) agar hamai shartho ijro shavand, on goh az surathisobi
dorandai korti pardokhtii bonkii NPM “KORTI MILLI” mablag
khorij yo vorid karda meshavad. Mablag bo tarzi zerin muayyan
megardad: ba mablagi hisobarobarkuni bo Emitent metavonad haqqi
khizmatrasonii Emitent ilova gardad, ki on az dorandagoni korti
pardokhtii bonkii NPM “KORTI MILLI” baroi guzaronidani
tranzaksiyaho girifta meshavad. Agar asori mablagi darkhostshuda az
asori surathisobi dorandai korti pardokhtii bonki farq kunad, on
goh mablagi darkhostshuda ba asori surathisobi mushtari az rui
qurbi muayyankardai Emitent mubodila gashta, mablagi az
surathisobi mushtari giriftashavanda muayyan megardad. Dar in
mavrid haqqi khizmate, ki Emitent az mushtariyon ‐ dorandagoni
korthoi pardokhtii bonkii NPM “KORTI MILLI” megirad, az
jonibi khudi Emitent muayyan karda meshavad;
16
8) Emitent ba darkhosti avtorizatsioni javob omoda namuda,
onro ba Tanzimgar ravon mekunad;
9) Tanzimgar ba darkhosti avtorizatsionii Ekvayer javob ravon
mekunad;
10) javobi az Tanzimgar giriftaro Ekvayer ba tajhizoti
Shabaki terminalie, ki darkhosti avtorizatsioniro tartib dodaast,
rohnamoi mekunad;
11) mutobiqi javobi az Ekvayer giriftashuda, tajhizoti
Shabaki terminali guzaronidani tranzaksiyaro ijro yo rad menamoyad;
- Agar Emitent Ishtirokdori mustaqim boshad va Ekvayer
Ishtirokdori mustaqim yo Ishtirokdore, ki payvastshavii
baynihostiro istifoda mebarad, on goh tranzaksiyaho bo tartibi
zerin guzaronida meshavand:
1) bo maqsadi guzaronidani amaliyot bo istifodai korti
pardokhtii NPM “KORTI MILLI” dorandai korti pardokhti ba yake
az tajhizothoi Shabakai terminali murojiat menamoyad;
2) tajhizoti dar bolo zikrgardida darkhosti avtorizatsioniro
omoda karda, onro ba Tanzimgar yo ba Ekvayer, ki tajhizoti mazkurro
khizmatrasoni mekunad, irsol menamoyad;
3) agar tajhizot ba Ekvayer, ki payvastshavii baynihostiro
istifoda mebarad, taalluq doshta boshad, on goh Ekvayer darkhosti
avtorizatsioniro ba Tanzimgar ravon mekunad;
4) Tanzimgar bo suporishi Emitent avtorizatsiyai tranzaksiyaro
meguzaronad. Baroi guzaronidani avtorizatsiya Tanzimgar az poygohi
malumothoe, ki dar tajhizoti u nigoh doshta meshavad, az qabili
poygohi malumothoi korthoi pardokhti, surathisobho, baqiyaho dar
surathisobhoi Emitent, az rui korti pardokhtie, ki darkhosti
tranzaksiyaro amali namudaast, istifoda mebarad. Dar in holat
Tanzimgar malumoti zerinro taftish menamoyad:
– raqami mushakhkhaskunandai shakhsi (agar tranzaksiya bo
istifodai raqami mushakhkhaskunandai shakhsi ijro gardad);
– mavjudiyati korti pardokhti dar poygohi malumothoi korthoi
pardokhtii khud;
17
– muhlati etibori korti pardokhtii bonki;
– mavjudiyati korti pardokhtii bonki dar ruykhati korthoi az
khizmatrasoni bozdoshtashuda;
– mavjud budani mablagi kofi dar surathisobi dorandai korti
pardokhtii bonki baroi guzaronidani tranzaksiya.
5) agar hamai shartho ijro shavand, on goh az surathisobi
dorandai korti pardokhtii bonkii NPM “KORTI MILLI” mablag
khorij yo vorid karda meshavad. Mablag ba tarzi zerin muayyan
megardad: ba mablagi hisobarobarkuni bo Emitent metavonad haqqi
khizmatrasonii Emitent ilova gardad, ki on az dorandagoni korti
pardokhtii bonkii NPM “KORTI MILLI” baroi guzaronidani
tranzaksiyaho girifta meshavad. Agar asori mablagi darkhostshuda az
asori surathisobi dorandai korti pardokhtii bonki farq kunad, on
goh mablagi darkhostshuda ba asori surathisobi mushtari az rui
qurbi muayyankardai Emitent mubodila gashta, mablagi az
surathisobi mushtari giriftashavanda muayyan megardad;
6) Tanzimgar ba darkhosti avtorizatsioni javob omoda namuda,
onro ba tajhizote, ki darkhosti avtorizatsioniro tartib dodaast,
irsol menamoyad. Vobasta ba javobe, ki az Tanzimgar baroi darkhosti
avtorizatsioni girifta shudaast, tajhizot guzaronidani
tranzaksiyaro ijro yo rad menamoyad;
7) agar darkhosti avtorizatsioni az tajhizoti Ekvayer, ki
payvastshavii baynihostiro istifoda mebarad, vorid gashta boshad,
on goh Tanzimgar natijai korkardi darkhosti avtorizatsioniro ba
tajhizoti hamin Ekvayer rohnamoi menamoyad. Ekvayer javobi
darkhosti avtorizatsioniro ba tajhizote, ki darkhosti
avtorizatsioniro tartib dodaast, ravon mekunad. Vobasta ba javobi
giriftashuda ba darkhosti avtorizatsioni tajhizot guzaronidani
tranzaksiyaro ijro yo rad menamoyad;
- Agar Ekvayer Ishtirokdori mustaqim boshad, Emitent
Ishtirokdori mustaqim yo Ishtirokdore, ki payvastshavii
baynihostiro istifoda mebarad, on goh tranzaksiyaho bo tartibi
zerin guzaronida meshavand:
18
1) bo maqsadi guzaronidani amaliyot bo istifodai korti
pardokhtii NPM “KORTI MILLI” dorandai korti pardokhti ba yake
az tajhizothoi Shabakai terminali murojiat menamoyad;
2) tajhizoti __________dar bolo zikrgardida darkhosti avtorizatsioniro
omoda karda, onro ba Tanzimgar irsol menamoyad;
3) vobasta az on, ki Emitent bo kadom naqsha payvast shudaast
(Ishtirokdori mustaqim yo Ishtirokdore, ki payvastshavii
baynihostiro istifoda mebarad), Tanzimgar avtorizatsiyai
tranzaksiyaro anjom medihad yo onro ba Emitent az rui algoritmhoi
zerbandhoi 4) – 9) bandi 32, zerbandi 7) bandi 33 hangomi
payvastshavii baynihostiro istifoda burdani Emitent, yo mutobiqi
algoritmhoi zerbandhoi 4) – 7) bandi 33, dar holati Ishtirokdori
mustaqim budani Emitent, rohnamoi mekunad.
- Dar okhiri ruz Tanzimgar hamai tranzaksiyahoi dar davomi
ruz amaligashtaro korkard namuda, ba Bonki hisobbarobarkuni baroi
guzaronidani hisobbarobarkunihoi nihoi malumoti jambasti
irsol menamoyad.
- Omoda kardani hisobothoi kliringi
- Az jonibi Tanzimgar har ruz, gayr az ruzhoi istirohat va
ruzhoi id kliring guzaronida meshavad.
- Faylhoi dar natijai kliring omodashuda ba Bonki
hisobbarobarkuni firistoda meshavand. Az rui malumoti
tranzaksiyahoi bobaror anjomyofta, Bonki hisobbarobarkuni bayni
Ishtirokdoron hisobbarobarkunihoi nihoiro anjom medihad.
- Hangomi omoda namudani hisoboti kliringi, inchunin
baroi Ishtirokdoron hisobotho tartib doda meshavand. Baroi
Emitentho dar in hisobot doir ba hamai tranzaksiyaho az rui korthoi
pardokhtii bonkii NPM “KORTI MILLI”‐i Ishtirokdori mazkur
va oid ba haqqi khizmate, ki az/ba Surathisobi Ishtirokdor dar Bonki
hisobbarobarkuni khorij yo ba on vorid megardand, malumot ovarda
meshavad. Baroi Ekvayerho dar in hisobot doir ba hamai
tranzaksiyaho dar Shabakai terminalii Ishtirokdori mazkur va oid
ba haqqi khizmate, ki az/ba Surathisobi Ishtirokdor dar Bonki
19
hisobbarobarkuni khorij yo ba on vorid megardad, malumot ovarda
meshavad. Dar asosi in hisobotho Ishtirokdoron metavonand az rui
surathisobhoi dorandagoni korthoi pardokhtii bonki va
surathisobhoi tajhizothoi Shabakai terminali dar nizomi
avtomatishudai bonkii khud amaliyothoi hisobdoriro anjom dihand.
- Korkardi hisobothoi kliringi dar Bonki
hisobbarobarkuni va guzaronidani Kliring
- Bonki hisobbarobarkuni az Surathisobi Emitent mablagi
barobar ba mablagi hamai tranzaksiyahoi baynibonkii tavassuti
korthoi pardokhtii bonkii Emitent dar davomi ruz
guzaronidashudaro, khorij menamoyad.
- Bonki hisobbarobarkuni ba Surathisobi Ekvayer mablagi
barobar ba mablagi hamai tranzaksiyahoi baynibonkii dar davomi
ruz dar tajhizothoi Ekvayer guzaronidashudaro vorid menamoyad.
- Bonki hisobbarobarkuni ba/az Surathisobhoi
Ishtirokdoron mablaghoi haqqi khizmati baynibonkiro az rui
amaliyotho dar NPM “KORTI MILLI” vorid yo khorij menamoyad.
- Bonki hisobbarobarkuni az Surathisobi Ishtirokdor
mablagi barobar ba mablagi haqqi khizmati ba Tanzimgar
hisobshudaro khorij menamoyad.
- Badi ijro shudani hamai marhilahoi zikrgardida,
tartibi guzaronidani hisobarobarkuniho bayni Ishtirokdoron ba
itmom merasad.
- Avtorizatsiya va rohnamoii tranzaksiyaho dar NPM “KORTI
MILLI”
- Avtorizatsiyai tranzaksiyaho va idora kardani poygohi
avtorizatsionii Ishtirokdoron dar NPM “KORTI MILLI” az
jonibi Tanzimgar amali megardad. Hangomi doshtani imkoniyati
tekhnologi Ishtirokdor metavonad poygohi malumoti korthoi
20
pardokhtii khud, avtorizatsiyai tranzaksiyahoi korthoi khud va
dastgirii Shabakai terminalii khudro badi sertifikatsiyai chunin
tarzi payvastshavi az jonibi Tanzimgar mustaqilona idora namoyad.
- Avtorizatsiyai tranzaksiyaho az rui korthoi Ishtirokdor,
ki mustaqilona poygohi malumotii korthoi pardokhtiro idora va
avtorizatsiyai tranzaksiyahoro ijro menamoyad, dar Shabakai
terminalii Ishtirokdori mazkur be ravon kardani tranzaksiyaho ba
Tanzimgar amali megardad.
- Hamai tranzaksiyaho dar Shabakai terminalii yak
Ishtirokdor az rui korthoi pardokhtii Ishtirokdori digar boyad
tavassuti Tanzimgar rohnamoi karda shavand.
- Standarthoi personalizatsiya va dizayn
- Korti pardokhtii bonkii NPM “KORTI MILLI” boyad ba
standarthoi baynalmilalii (ISO) zerin muvofiqat kunad:
– 7810 Identification Cards‐Physical Characteristics – ʺKorthoi
mushakhkhaskunanda. Tavsifi voqeiʺ;
– 7811‐1 Identification Cards‐Recording Technique Part 1 Embossing
– ʺKorthoi mushakhkhaskunanda. Tarzhoi sabtʺ. Qismi 1, Naqshkubi;
– 7811‐2 Identification Cards‐Recording Technique Part 2 Magnetic
Stripe – ʺKorthoi mushakhkhaskunanda. Tarzi sabt. Qismi 2, Khati
magnitiʺ;
– 7811‐3 Identification Cards‐Recording Technique Part 3 Location of
Embossed Characters on ID‐1 cards – ʺKorthoi mushakhkhaskunanda. Tarzi
sabt. Qimi 3, Joygirshavii hurufoti naqshkubishuda baroi ID ‐ 1
korthoʺ;
– 7811‐4 Identification Cards‐Recording Technique Part 4 Location of
read‐only magnetic tracks – Tracks 1 & 2 – ʺKorthoi mushakhkhaskunanda.
21
Tarzi sabt. Qismi 4, Joygirshavii rohakhoi magniti tanho baroi
khondan. Rohakhoi 1 va 2ʺ;
– 7811‐5 Identification Cards‐Recording Technique Part 5 Location of
read‐write magnetic track – Track 3 – ʺKorthoi mushakhkhaskunanda. Tarzi
sabt. Qismi 5, Joygirshavii rohakhoi magniti baroi khondan va sabt.
Rohaki 3ʺ;
– 7811‐6 Identification Cards‐Recording Technique Part 6 Magnetic
Stripe – High Coercivity – ʺKorthoi mushakhkhaskunanda. Tarzi sabt.
Qismi 6, Khati magnitii koersitivii baland;
– 7813 Identification Cards‐Financial Transaction Cards – ʺKorthoi
mushakhkhaskunanda. Korthoi amaliyothoi moliyaviʺ;
– 7816‐1 Identification Cards‐Integrated Circuit(s) Cards with
Contacts Part 1 Physical Characteristics – ʺKorthoi mushakhkhaskunanda.
Kortho bo skhemahoi integralii kontaktdor. Qismi 1, Sifathoi
fiziki”;
– 7816‐2 Identification Cards‐Integrated Circuit(s) Cards with
Contacts Part 2 Dimensions and Location of the Contacts – ʺKortho bo
skhemahoi integralii kontaktdor. Qismi 2, Andoza va joygirshavii
kontakthoʺ.
- Tasnifoti umumii korthoi pardokhtii NPM “KORTI
MILLI”
- Dar rui korti pardokhtii bonki NPM “KORTI MILLI”
boyad ittilooti zerin bo usuli naqshkubishuda yo chopi vujud doshta
boshad:
– raqami kort, ki on iborat ast az raqami mushakhkhaskunandai
bonkii Emitent va alomati nazorati;
– sanai anjomi muhlati etibori korti pardokhtii bonki
(moh/sol).
22
- Dar rui korti pardokhtii bonki NPM “KORTI MILLI”
metavonad ittilooti zerin joygir karda shavad:
– nomu nasabi dorandai korti pardokhtii bonki va/yo nomi
shirkat;
– malumoti ilovagi, ki bo salohdidi Ishtirokdor joygir
karda meshavad.
- Talabot baroi naqshkubi va andozai korti pardokhtii
bonkii NPM “KORTI MILLI” chunin ast:
A Darozii kort 85.72 (‐ 0.25) mm
B Bari kort 54.03 (±0.05) mm
C Gafsii kort 0.76 (±0.08) mm
D
Radiusi davrashaklii
kunjhoi kort
3.18 mm
E
Masofa az kanori
poyoni kort to markazi
satri yakumi naqshkubi
(satri raqami kort)
21.42 (±0.12) mm
F
Masofa az kanori
chapi kort to khati markazii
alomati yakum dar satri
yakumi naqshkubi
7.65 (±0.25) mm
G
Haddi mayloni
imkonpaziri khati
markazii alomati raqami
kort az khati markazii
satri yakumi naqshkubi
±0.08 mm
H
Balandii nihoii
relefi alomathoi
naqshkubishuda
0.46 (±0.05) mm
I
Masofa az kanori
chapi kort to khati markazii
alomati yakum dar satrhoi 3
va 4 naqshkubi
7.65 (±0.25) mm
23
J
Masofai kamtarin az
kanori poyoni kort to khati
markazii satri 4
naqshkubi
2.54 mm
- Dar korti pardokhtii bonkii NPM “KORTI MILLI” du
sohai naqshkubi judo karda meshavand. Sohai naqshkubii yakum baroi
naqshkubii yak maydone, ki dar on raqami kort nishon doda meshavad,
peshbini shudaast. Sohai naqshkubii duyum ba se maydon judo karda
shuda, dar onho sanai anjomi etibori kort, nomu nasabi doranda va
malumoti ilovagi nishon doda meshavand. Joygirshavii sohai
naqshkubi dar korti pardokhtii NPM “KORTI MILLI” dar rasmi 1
nishon doda shudaast.
Rasmi 1. Joygirshavii sohai naqshkubi dar korti pardokhtii
NPM “KORTI MILLI”
№ Joygirshavi Darozi
maydoni
naqshkubi
Nomguy Sohai
naqshkubi
Joyivazshavi az
avvali satr
1 Raqami kort 1 10.18 mm 18
2 Sanai anjomi 2 41.00 mm 5
24
etibori kort
3
Nomu nasabi
doranda
2 7.65 mm 26
4
Maydoni ilovagi
baroi naqshkubi
2 7.65 mm 26
- Dar maydonhoe, ki baroi naqshkubi peshbini shudaand,
alomathoi zerin metavonand joygir shavand:
0‐9, A‐Z, A‐Ya (gayr az YO), ʺ,ʺ(vergul), ʺ.ʺ (nuqta), ʺʹʺ (apostrof), ʺ‐ʺ
(nimtire), ʺ/ʺ (slesh), ʺ&ʺ (ampersand).
- Maydonhoi naqshkubi:
– Maydoni yakumi naqshkubi khati yakumro ishgol karda, dar on
raqami korti pardokhtii bonki (PAN) sabt megardad. Raqami korti
pardokhtii bonkii NPM “KORTI MILLI” az 16 raqam (az jumla BIN
va ramzi nazorati) iborat buda, dar korti pardokhtii bonki dar
shakli se guruhi ramzhoi raqamii (6 ramz ‐ 3 ramz ‐ 7 ramz) az
hamdigar bo fosila judoshuda nishon doda meshavad (hamagi 18 ramz
bo fosilaho sabt megardad). Khati amudii alomati yakumi maydon boyad
dar masofai 7.65 (±0.25) mm az kanori chapi korti pardokhtii bonki
joygir shuda boshad.
– Maydoni duyumi naqshkubi dar khati duyum joygir shuda, dar on
sanai anjomi muhlati etibori korti pardokhtii bonki nishon doda
meshavad. Sanai anjomi muhlati etibori korti pardokhtii bonki
dar shakli MM/SS (masalan, 05/12) nishon doda meshavad. Khati amudii
alomati yakumi maydon boyad dar masofai 41.00 (±0.25) mm az kanori
chapi korti pardokhtii bonki joygir shuda boshad.
25
– Maydoni seyumi naqshkubi khati seyumro ishgol karda, dar on
nomu nasabi dorandai korti pardokhtii bonki yo nomi shirkat sabt
megardad. Maydon metavonad to 26 ramzi asosii alifboi tojiki yo
lotini, az jumla ramzhoi ʺ.ʺ (nuqta), ʺ‐ʺ (nimtire), ʺ ʺ (fosila) – ro
dar bar girad. Khati amudii ramzi yakumi maydon boyad dar masofai
7.65 (±0.25) mm az kanori chapi korti pardokhtii bonki joygir shuda
boshad.
– Maydoni chorumi naqshkubi dar khati chorum joygir shuda,
metavonad ittilooti ilovagiero, ki bo suporishi Emitent baroi
joygir kardan doda shudaast, dar bar girad. Maydoni ilovagii
naqshkubi metavonad to 26 alomati az fosilai alomathoi baroi
joygir namudan ijozatshuda, iborat boshad.
- Nishoni NPM “KORTI MILLI” dar har yak korti
pardokhtii bonkii NPM “KORTI MILLI” boyad darj gardad. Namud
va tavsifi nishoni NPM “KORTI MILLI” dar rasmi 2 ovarda
shudaast.
26
Rasmi 2. Nishoni NPM “KORTI MILLI”
- Nishoni Ishtirokdor metavonad dar ruy yo pasi korti
pardokhtii bonki joygir karda shavad. Nishoni dar rui korti
pardokhtii bonki joydodai Ishtirokdor boyad sohai joygirshavii
nishoni NPM “KORTI MILLI” –ro napushonad. Marzi sohai
joygirshavii nishoni Ishtirokdor dar masofai 2,03 mm az kanori
chap va boloi kanori korti pardokhtii bonki va 3 mm az marzi chapi
maydoni nishoni MPM «KORTI MILLI» joygir meshavad.
- Dar pasi korti pardokhtii bonki unsurhoi zerin boyad joy
doda shavand:
– khati magniti;
– joy baroi imzo;
Inchunin, dar pasi korti pardokhtii bonki metavonand surati
dorandai korti pardokhtii bonki yo malumoti digar joygir karda
shavand.
- Mavodi joyi imzo boyad tagyir dodani imzoi guzoshtashuda
peshgiri namoyad. Imzoi dorandai kort dar joyi imzo hatmist.
- Khati magnitii korthoi pardokhtii bonkii NPM “KORTI
MILLI” mutobiqi standarti ISO 7813 ramzguzori shudaast.
Tasnifoti andozahoi malumothoi rohakhoi khathoi magniti dar
Tasnifoti tekhnikii NPM “KORTI MILLI” ovarda shudaast.
- Dar NPM “KORTI MILLI” chunin namudi amaliyotho
peshbini shudaast:
№ Tavsifi amaliyotho Ezoh
1 Giriftani puli naqd az bankomat Withdrawal
2 Giriftani puli naqd az nuqtai
peshnihod va/yo qabuli puli naqd
Cash‐advance
3 Pardokhti kharid yo khizmatrasoni dar
muassisahoi savdo va khizmatrasoni
Purchase
27
4 Darkhosti baqiya tavassuti bankomat Balance inquiry
(ATM)
5 Darkhosti baqiya tavassuti POS‐
terminal
POS Balance
inquiry
6 Ivaz kardani raqami
mushakhkhaskunandai shakhsi tavassuti
bankomat
PIN change
7 Ivaz kardani raqami
mushakhkhaskunandai shakhsi tavassuti
POS‐terminal
POS PIN change
8 Berunnavis Statement
9 Berunnavisi __________fishurda Ministatement
10 Intiqoli mablag az kort ba kort
tavassuti bankomat (qismi debetii
tranzaksiya)
P2P Debit
11 Intiqoli mablag az kort ba kort
tavassuti bankomat (qismi kreditii
tranzaksiya)
P2P Credit
12 Intiqoli mablag az kort ba kort
tavassuti POS‐terminal (qismi
debetii tranzaksiya)
POS P2P Debit
13 Intiqoli mablag az kort ba kort
tavassuti POS‐terminal (qismi
kreditii tranzaksiya)
POS P2P Credit
14 Pardokhti mablag ba shakhsoni seyum
tavassuti bankomat
Payment
15 Pardokhti mablag ba shakhsoni seyum
tavassuti POS‐terminal
POS Payment
16 Vorid kardani puli naqd tavassuti
bankomat
Deposit (Cash‐in)
17 Vorid kardani puli naqd dar
nuqtahoi qabuli puli naqd
POS Deposit
- Tartibi halli masalahoi bahstalab
28
- Hujjathoe, ki amaliyoti dar Shabakai terminalii NPM
“KORTI MILLI” guzaronidashudaro tasdiq menamoyad, inhoyand:
– lentai printeri nazorati yo malumothoi jurnali elektroni
(hangomi dar bankomat yo terminali khudkori khudkhizmatrason
guzaronidani amaliyot);
– nuskhai cheki POS‐terminal, ki dorandai korti pardokhtii
bonki imzo kardaast (hangomi tavassuti POS‐terminal guzaronidani
amaliyot). Dar mavridi dar POS‐terminal yo tajhizoti khazinavi
guzaronidani amaliyot bo hurufchinii raqami mushakhkhaskunandai
shakhsi giriftani imzoi dorandai korti pardokhtii bonki talab
karda nameshavad;
– sabti elektroni dar fayli tranzaksiyahoi Tanzimgar, ki bo
imzoi elektronii raqamii shakhsi vakolatdori u tasdiq gardidaast;
– berunnavis oid ba gardishi mablagho az rui Surathisobhoi
Ishtirokdoron dar Bonki hisobbarobarkuni;
– hujjathoe, ki dar shakli elektroni bo istifodai korthoi
pardokhtii NPM “KORTI MILLI” yo mushakhkhasoti onho tartib doda
shudaand, ba hujjathoi homili kogazi barobar karda meshavand va bo
onho etibori yagonai huquqi dorand, inchunin dar rafti barrasii
bahsho va ikhtilofoti tarafayn daleli matlub hisobida meshavand;
– hamai faylhoi elektroni va fehrasti elektronii
avtorizatsiyaho, ki az jonibi nizomhoi kompyuterii Ishtirokdoron
va Tanzimgar dastgiri meshavand, inchunin shakli chopkardashudai
faylho va reestrhoi mazkur hangomi halli bahsho va ikhtilofoti
tarafayn hamchun daleli matlub donista meshavand.
- Hujjati ramznavisshuda va bo imzoi elektronii raqamii
shakhsi vakolatdori Emitent tasdiqshuda, ki peshnihodi
suporishnomahoi elektroni va durustii onro tasdiq menamoyad,
fayl–suporishnoma meboshad. Fayl–suporishnoma hujjatest, ki dar
29
asosi on ba poygohi malumoti korthoi pardokhti, ki az tarafi
Tanzimgar nigoh doshta meshavad, tagyirotho vorid megardand.
- Hujjatho va ittiloote, ki Tanzimgar bo Ishtirokdoron
dar shakli elektroni dodugirift menamoyand, az jonibi onho bo
istifodai burdani vositahoi kriptografi korkard karda meshavand.
- Hujjathoi tasdiqkunandai guzaronidani avtorizatsiya va
durustii on, inchunin durustii ijroishi digar ravandhoe, ki
hangomi guzaronidani hisobbarobarkuniho az rui amaliyot bo
istifodai korthoi pardokhtii bonki ba vujud meoyand, faylhoi
boygonii Tanzimgar va sabthoi ovozii tartibi avtorizatsiyai ovozi
meboshand.
- Hujjathoi az rui amaliyot dar Shabakai terminali
guzaronidashuda, ki bo vayron kardani qoidahoi barasmiyatdarori
tartib doda shudaand, hujjathoi tasdiqkunandai guzaronidani
amaliyothoi dar bolo zikrgardida, hisobida nameshavand.
- Tartibi barrasii bahsho
- Bahsu ikhtilofoti bayni Ishtirokdoron, ki ba
munosibathoi onho vobasta meboshand, bo ishtiroki Tanzimgar hal
karda meshavand.
- Bahsu ikhtilofoti bayni Ishtirokdoron bo tartibe, ki dar
qonunguzorii amalkunandai Jumhurii Tojikiston peshbini
shudaast, inchunin tibqi sharthoi Qoidahoi mazkur, hal karda
meshavand.
- Ishtirokdoron baroi halli bahsu ikhtilofote, ki dar
rafti hamkorii mutaqobili Ishtirokdoron ba miyon meoyand, bo rohi
guftushunidi tarafayn hamai chorahoro meandeshand. Natijahoi
guftushunid dar paynavishti muvofiqashuda sabt megardad. Dar
paynavishti muvofiqashuda muhlati muayyani ijroi uhdadorihoi
Ishtirokdoron (barqaror namudani zarar, guzaronidani mablagi
jarima va gayra) nishon doda meshavad. Dar holati zaruri nuskhai
30
paynavishti muvofiqashuda ba tarafi manfiatdori seyum firistoda
meshavad.
- Agar ikhtilofoti bayni Ishtirokdoroni NPM “KORTI
MILLI” bo rohi guftushunidi tarafayn hal nagardad, on goh bahs bo
davoi Ishtirokdori manfiatdor dar Sudi iqtisodi barrasi karda
meshavad. Natijai barrasii bahsi bayni Ishtirokdoron dar
maqomoti sudi, ba tavri khatti az jonibi Ishtirokdori davogar dar
muhlati 10 ruz az sanai etibor paydo kardani halnomai sud ba
malumoti Tanzimgar rasonida meshavad.
- Baroi begarazona barrasi namudani masalahoi bahstalab
Ishtirokdoron bo muvofiqai tarafayn metavonand komissiyahoi
ekspertiro bo ishtiroki mutakhassisoni mustaqil tasis dihand.
Komissiyai eksperti bo maqsadi barrasi namudani bahsi muayyan
tasis doda meshavad. Ba hayati komissiya az har du Ishtirokdor du
nafar namoyanda va yak namoyanda – mutakhassisi mustaqili tashkiloti
digar, ki bo rozigii Ishtirokdoron vobasta ba khususiyati bahsi
barrasishavanda intikhob gardidaast, dokhil meshavand.
- Tasisi komissiyai eksperti dar asosi sozishnomai
imzokardai namoyandagoni vakolatdori Ishtirokdoron, ki dar
barrasii bahs ishtirok menamoyand, ba rasmiyat darovarda meshavad.
- Natijai kori komissiya dar shakli khulosai eksperti ba
rasmiyat darovarda meshavad. Dar khulosai eksperti boyad muhlati az
jonibi Ishtirokdoron ijro gardidani qarori qabulshuda, taqsimi
uhdadoriho (dar holati zaruri – tartibi taqsimoti kharojothoi
moddi bayni Ishtirokdoron), ki bo ijroi khulosai komissiya
aloqamandand, darj gardad. Khulosai eksperti az jonibi hayati
komissiya imzo megardad.
31
- Barrasii davohoi moliyavi az jonibi Ishtirokdoron doir
ba amaliyotho bo istifodai korthoi pardokhtii bonkii NPM
“KORTI MILLI”
- Davoi moliyavii Emitent – in ittilooti Emitent oidi
az Surathisobi Emitent dar Bonki hisobbarobarkuni az rui
amaliyote, ki dar Shabakai terminalii Ekvayeri NPM “KORTI
MILLI” guzaronida __________shudaast, khorij shudani mablagro mavridi bahs
qaror medihad.
- Davoi moliyavii Ekvayer – in ittilooti Ekvayer oidi ba
Surathisobi Ekvayer dar Bonki hisobbarobarkuni az rui amaliyote,
ki dar Shabakai terminalii Ekvayeri NPM “KORTI MILLI”
guzaronida shudaast, vorid namudani mablagro talab menamoyad.
- Baroi peshnihod namudani talabnomai bozpas
gardonidani mablaghoe, ki az Surathisobi Emitent dar Bonki
hisobbarobarkuni az rui amaliyothoi dar Shabakai terminalii
Ekvayeri NPM “KORTI MILLI” guzaronidashuda ba manfiati
Ekvayer khorij karda shudaand, kormandi vakolatdori Emitent
darkhost tartib doda, onro ba vositai nizomi elektronii
dodugirifti hujjatho yo ba tavri khatti ba Tanzimgar irsol menamoyad.
- Baroi peshnihod namudani talabnomai guzaronidani
mablaghoe, ki az Emitent baroi amaliyotho dar Shabakai terminalii
Ekvayeri NPM “KORTI MILLI” ba Surathisobi Ekvayer dar
Bonki hisobbarobarkuni vorid nashudaand, kormandi vakolatdori
Ekvayer darkhost tartib doda, onro ba vositai nizomi elektronii
dodugirifti hujjatho yo ba tavri khatti ba Tanzimgar irsol menamoyad.
- Davoho tibqi asoshoi muqarrarkardai qoidahoi mazkur
az jonibi Tanzimgar qabul megardand.
- Nuskhai suporishnomai Ishtirokdor bo qaydi Tanzimgar
dar khususi ijro gardidani natijahoi barrasii davohoi moliyavii
Ishtirokdor, inchunin berunnavisi Surathisobi Ishtirokdor dar
32
Bonki hisobbarobarkuni, ki dar on amaliyothoi dar natijai
barrasii davoi moliyavi guzaronidashuda aks yoftaand, baroi
Ishtirokdor tasdiqi barrasi va tahlili davoi moliyavi ba hisob
meravad.
- Muqarraroti khotimavi
- Barobari navkunii vazifahoi amalkunanda va jori
shudani tekhnologiyahoi navi NPM “KORTI MILLI”, inchunin
vobasta ba ijroi hatmii tagyirotho dar qonunguzorii Jumhurii
Tojikiston, tibqi Qarori tasdiqnamudai Rayosati Bonki millii
Tojikiston ba Qoidahoi mazkur tagyiru ilovahoi dakhldor vorid
karda meshavand.
33
Zamimai №1
ba Qoidahoi faoliyati
Nizomi pardokhti millii
“KORTI MILLI”
Ariza
oidi ishtirok dar Nizomi pardokhti millii
“KORTI MILLI”
- Nomi purrai tashkilot:
Bo zaboni davlati: ___________________________________________________
Bo zaboni rusi: _______________________________________________________
Bo zaboni anglisi: ____________________________________________________
- Surogai huquqi:
Indeks: _____________________________ Shahri:_____________________
Kuchai: ______________________________________________________________
Telefon: ____________________________ Faks:____________________
E‐mail: ______________________________ WWW:___________________
- Surogai pochtavi (agar az surogai huquqi farq kunad, nishon doda
shavad):
Indeks: _____________________________ Shahri:____________________
Kuchai: ______________________________________________________________
Telefon: ____________________________ Faks:______________________
- Shakhsoni masul oidi kor bo kortho:
Nomu nasab Vazifa Surogai
pochtai
elektroni
Telefon Faks
- Namudi barnoma
Emissiya □ ATM‐ekvayring □ Ekvayringi savdo □ Emissiya va ekvayring □
Imzoi Rohbar___________ Sana ____________J. M.
34
Zamimai №2
ba Qoidahoi faoliyati
Nizomi pardokhti millii
“KORTI MILLI”
Naqshai faoliyat
- Nishondihandahoi miqdorie, ki dar marhilahoi muayyan ba
naqsha girifta shudaand, boyad nishon doda shavand (jadvali 1).
Jadvali 1
6 moh 12 moh 18 moh 24 moh
Miqdori kortho
Miqdori bankomatho
Miqdori nuqtahoi qabul va/yo peshnihodi
puli naqd
Miqdori terminalho dar muassisahoi
savdo va khizmatrasoni
Miqdori terminalhoi khudkori
khudkhizmatrason
- Baroi ishtirokdorone, ki barnomahoi kortii amalkunanda
dorand, nav va miqdori korthoi pardokhtii barovardashuda,
miqdori bankomatho, nuqtahoi qabul va yo peshnihodi puli naqd,
miqdori muassisahoi savdo va khizmatrasonie, ki bo onho dar
doirai ekvayringi savdo shartnomaho basta shudaast va miqdori
terminalho dar onho nishon doda shavad. (Jadvali 2)
Jadvali 2
35
Miqdor
Korthoi pardokhtii bonki
Bankomatho
Nuqtahoi qabul va yo peshnihodi puli naqd
Muassisahoi savdo va khizmatrasoni
Terminalho dar muassisahoi savdo va khizmatrasoni
Terminalhoi khudkori khudkhizmatrason
- Dar borai sokhtori tekhnikie, ki baroi dastgirii faoliyat
istifoda megardad, malumot doda shavad:
1) Rejai payvastshavi:
‐ On‐line ‐ navi ashyoi barnomavi va taminoti tekhnikii
istifodashavanda (nomi istehsolkunanda va nomgui ashyoi
barnomavi).
‐ Off‐line – Nomgui nizomi avtomatishudai bonki yo qismate, ki
korkard va bahisobgirii amaliyothoi bo istifodai korthoi
pardokhtiro ijro menamoyad.
2) Navi bankomatho va terminalhoe, ki baroi vasl namudan ba
naqsha girifta shudaand.
3) Tarzi guzaronidani personalizatsiya (mustaqilona yo dar
Markazi protsessingii milli). Tajhizot va ashyoi barnomavii
istifodashavanda hangomi mustaqilona anjom dodani
personalizatsiya.
4) Nomi istehsolkunandai mahsuloti nimtayyori korthoi
pardokhtii bonki.
5) Namudhoi khathoi aloqa baroi robitai distansioni, baroi
payvastkunii bankomatho, terminalho va tajhizoti digar.
36
Tasnifoti tekhnikii NPM “KORTI MILLI”
Khati magniti mutobiqi standarti ISO 7813 ramzguzori shudaast.
- Rohaki yakumi khati magniti
Darozii ziyodtarini rohaki yakum az 79 ramz iborat ast (az jumla Start
Sentinel, End Sentinel va Longitudinal Redundancy Check (LRC)), dar
amal darozii rohak ba darozii nomu nasabi dorandai kort vobasta
meboshad.
Andozai malumoti rohaki 1 dar jadvali 1 nishon doda shudaast:
Jadvali 1
№ p/p Darozii
maydon
Ramzi
maydon
Nomi maydon Mazmuni
maydon, ezoh
1 1 STX Start Sentinel %
2 1 FC Format Code B
3 16 yo 19 PAN Primary Account
Number (PAN)
4 1 FS Separator ^
5 2 – 26 NM Cardholder Name
6 1 FS Separator ^
7 4 ED Expiration Date YYMM
8 3 SC Service Code 3 raqam
9 5 PVD PIN Verification Data PVKI dar mavqei
1, PVV az mavqei
2 to 5. Pur karda
meshavad «99999»
hangomi
nabudani PVD
10 8 yo 5 (az
darozii
PAN
vobasta
meboshad)
DD Discretionary Data Bo malumothoi
emitent pur
karda meshavad,
«9» hangomi
nabudani
malumot
11 11 RSV Reserved MBR dar mavqei
1, «0» dar mavqei
2, CVV az mavqei
3 to 5, digarho
«0»
37
12 1 ETX End Sentinel
13 1 LRC Longitudinal
Redundancy Check
(LRC)
Tibqi ISO 7811‐2
hisob karda
meshavad
Namunai rohaki 1, PAN 16 alomat
%B6832152229337443^TEST/A^0909121123459999999920257000000?X
dar in jo:
% ‐ Start Sentinel
B – Format Code
6832152229337443 – PAN
TEST – Surname
/ ‐ Surname Separator
A – First Name
^ ‐ Separator
0909 – Expiration Date
121 ‐ Service Code
12345 ‐ PIN Verification Data (az on jumla PVKI va PVV)
99999999 – Discretionary Data
20257000000 ‐ Reserved, dar in jo 2‐ MBR, 257 – CVV
? ‐ End Sentinel
X ‐ LRC
Namunai rohaki 1, PAN 19 alomat:
%B6832152229337443925^TEST/A^0909121123459999920257000000?X
dar in jo:
% ‐ Start Sentinel
B – Format Code
6832152229337443925 – PAN
TEST – Surname
/ ‐ Surname Separator
A – First Name
^ ‐ Separator
0909 – Expiration Date
121 ‐ Service Code
38
12345 ‐ PIN Verification Data (az on jumla PVKI va PVV)
99999 – Discretionary Data
20257000000 ‐ Reserved, ki dar in jo 2‐ MBR, 257 – CVV
? ‐ End Sentinel
X ‐ LRC
- Rohaki duyumi khati magniti
Darozii rohaki duyum az 40 alomat iborat ast (az jumla Start Sentinel,
End Sentinel i Longitudinal Redundancy Check (LRC)).
Andozai malumoti rohaki 2 dar jadvali 2 nishon doda shudaast:
Jadvali 2
№ p/p Darozii
maydon
Ramzi
(kodi)
maydon
Nomi maydon Mazmuni maydon,
ezoh
1 1 STX Start Sentinel ;
2 16 yo 19 PAN Primary Account
Number (PAN)
Tibqi ISO 7812‐1
hisob karda meshavad
3 1 FS Separator =
4 4 ED Expiration Date YYMM
5 3 SC Service Code 3 raqam
6 5 PVD PIN Verification
Data
PVKI dar mavqei 1,
PVV az mavqei 2 to 5.
Pur karda meshavad
«99999» hangomi
nabudani PVD
7 8 yo 5
(vobasta az
darozii
PAN)
DD Discretionary
Data
CVV az mavqei
1 to 3, MBR dar
mavqei 4,
malumothoi digar
az jonibi emitent
sabt karda meshavad,
«9» hangomi nabudani
malumot
8 1 ETX End Sentinel ?
9 1 LRC Longitudinal
Redundancy
Check (LRC)
Tibqi ISO 7811‐2
hisob karda meshavad
Namunai rohaki 2, PAN 16 alomat:
;4132152229337443=09091211234525799999?Kh , ki dar in jo:
39
; ‐ Start sentinel
4132152229337443 – PAN
= ‐ Separator
0909 – Expiration Date
121 ‐ Service Code
12345 ‐ PIN Verification Data (az jumla PVKI va PVV)
257299999 – Discretionary Data, gde 257 – CVV, 2 – MBR
? – End sentinel
X – LRC
Namunai rohaki 2, PAN 19 alomat::
;4132152229337443925=09091211234525799?Kh
dar in jo:
; ‐ Start sentinel
4132152229337443925 – PAN
= ‐ Separator
0909 – Expiration Date
121 ‐ Service Code
12345 ‐ PIN Verification Data (az jumla PVKI va PVV)
257299 – Discretionary Data, gde 257 – CVV, 2 – MBR
? – End sentinel
X ‐ LRC
9.3. Service code (Ramzi khizmati)
Tainot: muayyan kardani shaklhoi dastrasi khizmatrasoni baroi kort
Andoza: se raqam
Mazmuni raqamho:
Raqami yakum
1 – Istifodabarii baynalmilali
2 – Istifodabarii baynalmilali nishon medihad, ki kort doroi
skhemai integrali ast va agar imkoniyat boshad, tranzaksiyai moliyavi
bo yorii skhemai integrali amali megardad.
5 – Istifodabari tanho dar dokhili kishvar.
6 – Istifodabari tanho dar dokhili kishvar nishon medihad, ki kort
doroi skhemai integrali ast va tranzaksiyai moliyavi, agar imkoniyat
boshad, bo yorii naqshai integrali amali megardad.
7 – Istifodabarii khususi.
40
9 – Istifodabari bo maqsadhoi sanjishi.
Raqami duyum
0 – Avtorizatsiyai muqarrari
2 – Protsessingi rejai vaqti voqeiro talab mekunad va ba tavri
hatmi giriftani tasdiqi avtorizatsiya az emitent lozim meboshad.
4 ‐ Protsessingi rejai vaqti voqeiro talab mekunad va ba tavri hatmi
giriftani tasdiqi avtorizatsiya az emitent lozim meboshad, agar dar
shartnomahoi dutarafa ba tarzi digar qayd nashuda boshad..
Raqami seyum
0 – Mahdudiyat ba shakli khizmatrasoni vujud nadorad, dokhil namudani
raqami mushakhkhaskunandai shakhsi lozim meboshad
1 – Mahdudiyat ba shakli khizmatrasoni vujud nadorad
2 – Tanho pardokhti mol va khizmatrasoni (giriftani puli naqd man
ast)
3 – Istifodai kort tanho dar bankomatho, dokhil namudani raqami
mushakhkhaskunandai shakhsi lozim meboshad
4 – Tanho giriftani puli naqd.
5 ‐ Tanho pardokhti mol va khizmatrasoni (dokhil namudani raqami
mushakhkhaskunandai shakhsi lozim meboshad)
6 – Mahdudiyat ba shakli khizmatrasoni vujud nadorad, talabi vorid
namudani raqami mushakhkhaskunandai shakhsi hangomi mavjud budani
tajhizote, ki ba vorid namudani raqami mushakhkhaskunandai shakhsi
imkoniyat medihad.
7 ‐ Tanho pardokhti mol va khizmatrasoni, talabi vorid namudani
raqami mushakhkhaskunandai shakhsi hangomi mavjud budani tajhizote,
ki ba vorid namudani raqami mushakhkhaskunandai shakhsi imkoniyat
medihad.__
“Tasdiq shudaast”
bo Qarori Rayosati
Bonki millii Tojikiston
az 1 iyuni soli 2012, №113