Organizacija uvedbe EMV-tehnologije pri kartici Diners Club

diplomsko delo

Nataša Atanasova (Avtor), Duško Uršič (Mentor)

Povzetek

V diplomskem delu sem opisala in tako predstavila organizacijo uvedbe EMV-tehnologije v podjetju Erste Card, d. o. o. Poudarek je predvsem na organizaciji in ne na tehničnih in informacijskih podrobnostih uvedbe. Ker je uvedba EMV-tehnologije v podjetju Erste Card, d. o. o., nov dejavnik, sem opisala ključne spremembe, ki so in bodo vplivale na organizacijo nekaterih delovnih procesov v različnih sektorjih. Zaradi uvedbe EMV-tehnologije smo na nekaterih področjih organizirali dodatne dejavnosti, ki se bodo odvijale kot enkratni dogodki, s tem so mišljeni začetni razgovori na bankah in v procesnih centrih, priprava infrastrukture na POS-terminalih in programski opremi podjetja Erste Card, d. o. o., ter testiranja POS-terminalov. Tudi priprava novih pogodb, aneksov, navodil ter obveščanje trgovcev in obstoječih imetnikov o novi, pametni kartici Diners Club imajo v organizaciji uvedbe EMV-tehnologije značaj enkratnega dogodka. Ostale nove dejavnosti pa bodo stalne, odvijale se bodo občasno ali vsakodnevno. Največ organizacijskih sprememb bo v Službi podpore prodaji, Službi plačilnega prometa, Službi operativnega tveganja in Službi mreže prodajnih mest. Spremenili se bodo procesi, vezani na reklamacije članov, certifikacijo novih POS-terminalov, izdelavo in distribucijo pametnih kartic ter operativno tveganje. Naredili smo oceno učinkov, kjer smo ugotovili, da prevladujejo prednosti za podjetje. Slabosti, če jih lahko tako imenujemo, so ugotovljene predvsem za imetnike kartic, vendar v smislu njihove varnosti, saj je PIN ključni element, ki ga bodo potrebovali pri poslovanju s pametno kartico. Prenos odgovornosti je glavni razlog uvedbe EMV-tehnologije v podjetju, saj bi, če te zahteve DCI ne bi izpolnili, v prihodnosti krili vse stroške zlorab v vseh franšizah, ki novo tehnologijo že uporabljajo.

Ključne besede

organizacija;uvedba;plačilne kartice;pametne kartice;POS terminali;prenos;odgovornost;varnost;

Podatki

Jezik:	Slovenski jezik
Leto izida:	2016
Tipologija:	2.11 - Diplomsko delo
Organizacija:	UM EPF - Ekonomsko-poslovna fakulteta
Založnik:	[N. Atanasova]
UDK:	005.591:336.717.13(043.2)
COBISS:	12415516
Št. ogledov:	949
Št. prenosov:	71
Ocena:	0 (0 glasov)
Metapodatki:

Ostali podatki

Sekundarni jezik:	Angleški jezik
Sekundarni naslov:	Organizational aspect of implementation of EMV technology for Diners Club card
Sekundarni povzetek:	The goal of this diploma is to introduce organizational changes, sparked by introduction of EMV technology for Diners Club cards. The main focus is on organizational, much less on technical and informatical details of implementation. EMV technology is a novelty for Erste Card, so we try to explain key changes, which will influence current organization of internal and some external processes, that are performed in different Sectors of our Company, during and after the project. Because of the implementation of new, EMV Technology, we had to organize additional activities, which will only occur during the project. They include initial meetings and workshops with Banks and Process centers, improvements on infrastructure (POS terminals) and on software, both inside Erste Card and at our partners. Also important will be a thorough testing of new functionalities. Added to that, we will need to prepare new contracts and anexes, manuals with all the data about new, smart card for our merchants and so on. Other activities will be permanent, they will be performed in different time intervals. Most affected departments will be Issuing, Finance, Credit Control and also Acquiring. Some of the processes will be changed, mostly Customers complaints, New POS Terminal certifications, production and distribution of new, Chip Cards and also operational risk procedures. We did a raw estimation of all the impacts and found out that strenghts and oportunities outscore possible threats and weaknesses. Most problems are connected with Cardholders, but not by impacting their security. PIN is a key element that will make the new product safe for use. For Erste Card d.o.o., liability shift is the main reason for implementation of EMV Technology. If we would not enhance current magnetic stripe cards, we would be under threat to cover all the expences for possible fraud, related to our portfolio of cards, against all franchises that are already using PIN and Chip technology.
Sekundarne ključne besede:	EMV;Smart Card;POS Terminal;PIN;Liability shift;Security;
URN:	URN:SI:UM:
Vrsta dela (COBISS):	Diplomsko delo
Komentar na gradivo:	Univ. v Mariboru, Ekonomsko-poslovna fak.
Strani:	37 str.
ID:	9136991