Operating techniques and accounting calculations of bank cards

The PDF file praedstavlen material prepared in 2001 by professors Nemchinov VK, Rudakova OS and an employee of a commercial bank Podolsky DV and transmitted to the publisher Finstatinform. The book was published in the same year and has the name "Accounting and operating machines at banks. Technique and account settlements bank cards." It is used in the learning process of the All-Russian Correspondence Financial and Economic Institute.

The manual has been prepared in accordance with the program of discipline "Accounting and operating machinery in banks" and deepens theoretical knowledge of its main divisions, it helps the absorption of training techniques and modern technology accounting and operational work in banks using bank cards.

In addition, it will be useful in the study of a number of the discipline "Electronic Banking Services". The manual is designed for students and teachers of economic universities, employees of credit institutions and financial bodies.

TABLE OF CONTENTS

INTRODUCTION 4

Chapter 1. Principles of construction and the development of cashless payments based on banking cards 8

1.1 Credit card as the main part of the payment systems 8

1.2 The main international payment systems and principles of their functioning 16

1.3 The Russian payment systems 28

1.4 Strategy for the development of commercial bank payment card programs 40

Chapter 2. Organization of non-cash payments based on banking cards and intra-processing center 51

2.1.Bazovye solutions for organizational support system 51

2.2. Information-technology platform system, the main components and their interaction 59

2.3. The main components of information support system of bank cards 69

Chapter 3. Software implementation of the operating equipment and the account of calculations of bank cards 75

3.1. Select software card payment system 75

3.2. Description of the main software modules of the system and their interaction 82

Chapter 4. Modeling cashless payment system based on intra-processing center 95

4.1. A formal approach to the analysis of payment systems based on credit cards 95

4.2.Modelirovanie and assessment of the effectiveness of investments in the banking payment system 108

4.3.Informatsionno-technological model of accounting operations with bank cards 127

APPENDIX 149