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Korti Milli

Tarikh: Ogozi barasii masalai rushdi nizomi pardokht-15 marti soli 2010;

  1. Suporish Hukumati Jumsurii Tojikiston oidi hisobbarobarkunihoi gayrinaqdi – 29 oktyabri soli 2011;
  2. Ogozi faoliyat: mohi yanvari soli 2012;
  3. Tasdiqi Qoidahoi NPM «KORTI MILLI» :mohi iyuni soli 2012;
  4. Soli 2016 shumorai ishtirokdoroni NPM «KORTIMILLI» 18-tashkiloti qarz k, az on jumla 15 bonk va 3-TAQKh rasid.

korti_milli

Maqsadi tashkili korti milli:

  1. Tashkili zaminai mustahakamu sohibikhtiyor;
  2. Kam kardani khavfi tasiri omilhoi beruna;
  3. Rushdi infrasokhtori qabul, khizmatrasoni va hisobbarobarkunihoi korthoi pardokhti;
  4. Hisobbarobarkunihoi ishtirokdoroni nizom bo puli milli tavassuti Bonki millii Tojikiston;
  5. Integratsiya bo loihahoi korti amalkunanda;
  6. Mutobiqat ba standarthoi nizomhoi pardokhtii baynalmilali;

Bozori korti milli

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.

  1. Muqarraroti umumi
  2. 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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  1. 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.

  1. Ijro namudani Qoidahoi mazkur baroi hamai

Ishtirokdoron hatmi meboshad.

  1. Sokhtori tashkilii NPM “KORTI MILLI”
  2. NPM “KORTI MILLI” az qismhoi zerin iborat

meboshad:

‐ Bonki hisobbarobarkuni;

‐ Tanzimgar;

‐ Ishtirokdoron.

  1. Bonki hisobbarobarkuni az rui Surathisobhoi dar Bonki

millii Tojikiston kushodai Ishtirokdoron hisobbarobarkunii

nihoii amaliyothoro tavassuti korthoi pardokhtii bonki amali

menamoyad.

  1. 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.

  1. Tanho Ishtirokdoron huquqi barorish va khizmatrasonii

korthoi pardokhtii NPM “KORTI MILLI”‐ro dorand.

  1. Ba Ishtirokdoron emissiya va ekvayringi korthoi

pardokhtii NPM “KORTI MILLI” baroi tarafhoi seyum, ki

Ishtirokdor nestand, man ast.

  1. Tartibi payvastshavi ba NPM “KORTI MILLI”
  2. 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.

  1. 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.

  1. Tartibi bozdosht va qat gardidani ishtirok dar NPM

“KORTI MILLI”

  1. 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.

  1. 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.

  1. 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.

  1. 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.

  1. 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.

  1. 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.

  1. 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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  1. 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.

  1. 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.

  1. 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.

  1. 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);

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naqshai faoliyat (Zamimai 2).

  1. 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.

  1. 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.

  1. Tartibi barorishi korthoi pardokhtii bonki
  2. 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.

  1. 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.

  1. Tartibi ekvayring
  2. 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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  1. Ekvayer metavonad taminoti ittilooti – tekhnologii

vazifahoi dar bolo zikrgardidaro ba Tanzimgar voguzor namoyad.

  1. 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;

13

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.

  1. Tartibi avtorizatsiya, kliring va hisobbarobarkuni
  2. Tanzimgar rohnamoii tranzaksiyahoi baynibonkiro tanho

bo puli milli ‐ somoni, amali megardonad. Darkhosthoi

avtorizatsioni bo digar asori tranzaksiyaho rohnamoi karda

nameshavad.

  1. 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.

  1. 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.

  1. 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;

  1. 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;

  1. 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.

  1. Dar okhiri ruz Tanzimgar hamai tranzaksiyahoi dar davomi

ruz amaligashtaro korkard namuda, ba Bonki hisobbarobarkuni baroi

guzaronidani hisobbarobarkunihoi nihoi malumoti jambasti

irsol menamoyad.

  1. Omoda kardani hisobothoi kliringi
  2. Az jonibi Tanzimgar har ruz, gayr az ruzhoi istirohat va

ruzhoi id kliring guzaronida meshavad.

  1. Faylhoi dar natijai kliring omodashuda ba Bonki

hisobbarobarkuni firistoda meshavand. Az rui malumoti

tranzaksiyahoi bobaror anjomyofta, Bonki hisobbarobarkuni bayni

Ishtirokdoron hisobbarobarkunihoi nihoiro anjom medihad.

  1. 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.

  1. Korkardi hisobothoi kliringi dar Bonki

hisobbarobarkuni va guzaronidani Kliring

  1. Bonki hisobbarobarkuni az Surathisobi Emitent mablagi

barobar ba mablagi hamai tranzaksiyahoi baynibonkii tavassuti

korthoi pardokhtii bonkii Emitent dar davomi ruz

guzaronidashudaro, khorij menamoyad.

  1. Bonki hisobbarobarkuni ba Surathisobi Ekvayer mablagi

barobar ba mablagi hamai tranzaksiyahoi baynibonkii dar davomi

ruz dar tajhizothoi Ekvayer guzaronidashudaro vorid menamoyad.

  1. Bonki hisobbarobarkuni ba/az Surathisobhoi

Ishtirokdoron mablaghoi haqqi khizmati baynibonkiro az rui

amaliyotho dar NPM “KORTI MILLI” vorid yo khorij menamoyad.

  1. Bonki hisobbarobarkuni az Surathisobi Ishtirokdor

mablagi barobar ba mablagi haqqi khizmati ba Tanzimgar

hisobshudaro khorij menamoyad.

  1. Badi ijro shudani hamai marhilahoi zikrgardida,

tartibi guzaronidani hisobarobarkuniho bayni Ishtirokdoron ba

itmom merasad.

  1. Avtorizatsiya va rohnamoii tranzaksiyaho dar NPM “KORTI

MILLI”

  1. 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.

  1. 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.

  1. Hamai tranzaksiyaho dar Shabakai terminalii yak

Ishtirokdor az rui korthoi pardokhtii Ishtirokdori digar boyad

tavassuti Tanzimgar rohnamoi karda shavand.

  1. Standarthoi personalizatsiya va dizayn
  2. 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.

  1. Tasnifoti umumii korthoi pardokhtii NPM “KORTI

MILLI”

  1. 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

  1. 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.

  1. 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

  1. 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

  1. 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).

  1. 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.

  1. 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”

  1. 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.

  1. 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.

  1. Mavodi joyi imzo boyad tagyir dodani imzoi guzoshtashuda

peshgiri namoyad. Imzoi dorandai kort dar joyi imzo hatmist.

  1. 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.

  1. 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

  1. Tartibi halli masalahoi bahstalab

28

  1. 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.

  1. 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.

  1. Hujjatho va ittiloote, ki Tanzimgar bo Ishtirokdoron

dar shakli elektroni dodugirift menamoyand, az jonibi onho bo

istifodai burdani vositahoi kriptografi korkard karda meshavand.

  1. 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.

  1. 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.

  1. Tartibi barrasii bahsho
  2. Bahsu ikhtilofoti bayni Ishtirokdoron, ki ba

munosibathoi onho vobasta meboshand, bo ishtiroki Tanzimgar hal

karda meshavand.

  1. Bahsu ikhtilofoti bayni Ishtirokdoron bo tartibe, ki dar

qonunguzorii amalkunandai Jumhurii Tojikiston peshbini

shudaast, inchunin tibqi sharthoi Qoidahoi mazkur, hal karda

meshavand.

  1. 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.

  1. 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.

  1. 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.

  1. Tasisi komissiyai eksperti dar asosi sozishnomai

imzokardai namoyandagoni vakolatdori Ishtirokdoron, ki dar

barrasii bahs ishtirok menamoyand, ba rasmiyat darovarda meshavad.

  1. 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

  1. Barrasii davohoi moliyavi az jonibi Ishtirokdoron doir

ba amaliyotho bo istifodai korthoi pardokhtii bonkii NPM

“KORTI MILLI”

  1. 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.

  1. 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.

  1. 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.

  1. 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.

  1. Davoho tibqi asoshoi muqarrarkardai qoidahoi mazkur

az jonibi Tanzimgar qabul megardand.

  1. 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.

  1. Muqarraroti khotimavi
  2. 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”

  1. Nomi purrai tashkilot:

Bo zaboni davlati: ___________________________________________________

Bo zaboni rusi: _______________________________________________________

Bo zaboni anglisi: ____________________________________________________

  1. Surogai huquqi:

Indeks: _____________________________ Shahri:_____________________

Kuchai: ______________________________________________________________

Telefon: ____________________________ Faks:____________________

E‐mail: ______________________________ WWW:___________________

  1. Surogai pochtavi (agar az surogai huquqi farq kunad, nishon doda

shavad):

Indeks: _____________________________ Shahri:____________________

Kuchai: ______________________________________________________________

Telefon: ____________________________ Faks:______________________

  1. Shakhsoni masul oidi kor bo kortho:

Nomu nasab Vazifa Surogai

pochtai

elektroni

Telefon Faks

  1. 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

  1. 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

  1. 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

  1. 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.

  1. 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

  1. 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

 

Dar boramon

Инчунин кобед

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MUHABBAT (mehr, dustdori), hissi dilbastagi, umumiyati munosibat va qarobati bayni odamopn ki ba manfiat va …