Payment cards
Nowadays the Bank "Finance and Credit" emits the payment cards of the two first-rate international payments systems VISA INTERNATIONAL (VISA Gold, VISA Classic, VISA Electron, VISA Domestic) and MasterCard International (MasterCard Gold, MasterCard Mass, Maestro) both for the clients- private persons and corporative clients.
The card accounts of the clients are managed in UAH/USD (in multicurrency) and in Euro that permits to optimize the expenditures of the currencies conversion in different countries of the world.
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Furthermore the Bank proposes the emission of different payment cards per one account. In 2004 the Bank received the licence of the international payment system VISA for the emission of its non-personalized payment cards; the Bank executed the cleanup activities for the emission and management of the smart-cards.
During 2004 the quantity of the payment cards of the Bank increased by 31% in comparison with 2003 and constituted 185 000. A high emphasis is placed on the qualitative indexes of the emission. The major part of the emitted payment cards consists of salary and corporative payment cards, emitted for the organizations that cooperate with the Bank in the framework of the salary projects.
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The payment cards of the Bank characterize by a wide tariffs packet of the card products (salary projects, social, corporative and private orders), the series of different banking products that are realized by means of the payment card (depositary programs, definition of the credit limits for the cards on the security of a deposit, crediting for the purchase of the goods by installments).
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The payment cards emission
(thousands)
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The payment cards holders of the Bank have an opportunity to bank with the additional banking services as: crediting of the salary cards, the services of the mobile banking and Internet-banking.
In 2004 the payment cards department realized next programs:
- the emission of the cards with the credit limit on the security of a deposit
- the emission of the corporative card with the credit limit
- the program of the complex service of the legal persons - clients of the Bank on trade equiring
The Bank possesses the round-the-clock service of the payment cards owners' support.
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The Bank proposes to its clients a service "Ready salary project" - introduction of the accepted in the whole world salary, grants, premiums and other payments payment system with the help of the payment cards of the international payment system VISA International and MasterCard. At the end of the fiscal year more than 550 big-scale corporative clients used this method of payments. During the year the quantity of the realized by the Bank salary projects increased by 31%.
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Salary projects realized
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The salary cards of the Bank permit:
- to receive salary and other payments at own banking card account
- to receive cash money from the own card account in the automatic cash machines and in the cashing points of the Bank "Finance and Credit" that make part of the international payment systems VISA International and MasterCard International
- to receive monthly the detailed information about the funds movement on the account
- to receive additional profits from the interest rates charged by the Bank for the average month rest of the funds on the card account
- to buy the goods and services in the commercial and service network that accepts for the payment the payment cards VISA and MasterCard without the commissioning collection.
- to supervise the funds movement on the card by means of the "Internet-banking" system
Among the first-rate clients for the salary projects of the Bank are:
JSC "Odesski Priportovy Zavod",JSC "Rivneazot", Civil Aviation Plant 410, Ukrainian military and medical Academy, "Orlan-Trans-Group" Ltd., Main Command of the Ground Forces of Ukraine, JSC "KMP", CJSC "J.T. International Company Ukraine", CJSC "Ramburs-Elevator", "Ramburs-Agrotech" Ltd., JSC "Gemoplast", JSC "Industrial and Commercial firm "Selena",
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"Valsa" Ltd., JSC "Iskra", JSC "Oil Transport Institute", JSC "Ukrniiengproect", JSC "Rembud", JSC NPP "Saturn", "Kamaz-Trans-Service" Ltd., CJSC "Belotserkovskaya TETS", JSC "Kremenchugmiaso", JSC Poltava ore miming and processing enterprise, JSC Holding Company "AvtoKrAZ", JSC "Prykarpattya oblenergo", SE "Ukrspectransgaz", Kharkov National radio-electronics University, "Central clinical hospital of the Ukrzaliznutsya", UGSO of the Ministry of Internal Affairs of Ukraine in the Kharkov region, the subsidiary enterprise "Tsar khleb", "Khlebnue investitsii" Ltd., JSC "Stakhanov technical carbon plant", Lugansk branch of the state enterprise "Ukrenergougol", JSC "Galichfarm", "Ukrainian Industrial Resources" Ltd., JSC "Dios", JV "HERTS" etc.
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The Bank develops its own equiring network since 1998. Nowadays the Bank furnishes equiring services for a number of such big-scale clients as: supermarkets "Furshet" and "Foxtrot" networks, network of the bowling clubs "Strike", "Vitamin", the "Mirovaja Karta" restaurants network (restaurants "Lipskiy osobniak, "Mimino", "Tequila House", "Asahi", "Razgulaievo":), the "Carte Blanche" restaurants network (restaurants "Concorde", "Decadence House", "Marocana", "Kureni"), restaurants "Sheherezada", "Tampopo", "O.Panas", "Vagon-restauran", the "Carlo Pazzolini" shops network, "Sportmaster", "Chester", "Lotto"; shops "Basel", "Noblesse", "Avenue", "Miele Dom", "Pal Zileri", "Mihaela", "President", "Sunny", the "Sia" decor salons network, the "Yves Rocher" cosmetics shops network, the clubs: "Orangereya", "Ra", "Magma", "Opium", "Avalon", casino "Mirage", "Gabriella", hotels "Salute", "Adria", "Alenka" etc.
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In the work the speedy terminals with simple and clear interface into Russian language are in use. These devices accept for the payment the payment cards of the VISA, VISA Electron, MasterCard payment systems. The series of new technologies and modern equipment permit to provide permanent and effective functioning of terminals. All the terminals are designed for the work with the chip cards.
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There is an individual manager for every company-client. The round-the-clock clients support is provided as well as methodological support of the company employees, the qualified training of the personnel of a company during all the working period. All the mentioned above guarantees the high quality service for the services and goods buyers in the equiring points of the Bank. The total quantity of the commercial and servicing points of the Bank at the beginning of 2004 constituted 488 and at the end of the fiscal year this figure increased by more than 1,5 times - up to 767.
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Quantity of trade-servicing putlets of the Bank
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| The functioning of the processing center |
The own processing center of the Bank works since 1997. During the fiscal year a complex of works and measures was realized with the object to prepare the processing center for the emission and service of the chip cards of the international payment systems VISA and MasterCard. The 3-DES coding protocol was introduced. This protocol is necessary for the providing of the most efficient information exchange and for the work with the chip cards.
In November 2004 the more effective version of the PRIME software was installed. This software permits to emit chip cards.
The cleaner activities antecedent the installation of the chip cards personalization are executed.
The industry complex "Branch" was entered into the operational activities. This complex permits to automatize the accounting procedure of the payment cards operations, to emit cards and to render offline services for the clients of the Bank.
In 2004 the new functional and more productive cashing machines management system was entered into the operational activities.
| The ATM's network development |
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At the beginning of 2004 the cashing machines park of the Bank constituted of 65 cashing machines. Actually the Bank continue to extend the service network of the payment cards holders and plans to increase the quantity of the cashing machines from 102 (according to the data available at the end of 2004) up to 167 pieces. Since 2004 the clients of the Bank received by means of cashing machines UAH as well as EUR.
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The ATM's network increase
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Since 2005 all the cashing machines of the Bank starts rendering chip cards services.
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