{"id":225240,"date":"2021-05-26T07:07:59","date_gmt":"2021-05-26T06:07:59","guid":{"rendered":"http:\/\/zakrasnejsivimperk.cz\/?p=225240"},"modified":"2021-05-26T07:07:59","modified_gmt":"2021-05-26T06:07:59","slug":"dtest-telefonni-cislo-brzy-vyuzijete-pri-platbe-misto-cisla-bankovniho-uctu","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=225240","title":{"rendered":"dTest: Telefonn\u00ed \u010d\u00edslo brzy vyu\u017eijete p\u0159i platb\u011b m\u00edsto \u010d\u00edsla bankovn\u00edho \u00fa\u010dtu"},"content":{"rendered":"<figure id=\"attachment_225241\" aria-describedby=\"caption-attachment-225241\" style=\"width: 960px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-225241 size-full\" src=\"http:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/05\/26\/telefon.jpg\" alt=\"\" width=\"960\" height=\"640\" srcset=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/05\/26\/telefon.jpg 960w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/05\/26\/telefon-300x200.jpg 300w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/05\/26\/telefon-768x512.jpg 768w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/05\/26\/telefon-536x357.jpg 536w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/05\/26\/telefon-725x483.jpg 725w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><figcaption id=\"caption-attachment-225241\" class=\"wp-caption-text\">Ilustra\u010dn\u00ed foto: pixabay<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<h6>V \u010cesk\u00e9 republice je aktivn\u00edch v\u00edce telefonn\u00edch \u010d\u00edsel, ne\u017e kolik je tu obyvatel. Z toho lze dovodit, \u017ee t\u00e9m\u011b\u0159 ka\u017ed\u00fd m\u00e1 sv\u00e9 unik\u00e1tn\u00ed telefonn\u00ed \u010d\u00edslo. A pr\u00e1v\u011b to bude mo\u017en\u00e9 pou\u017e\u00edt m\u00edsto \u010d\u00edsla bankovn\u00edho \u00fa\u010dtu, pokud tato slu\u017eba plateb na telefonn\u00ed \u010d\u00edslo bude \u010desk\u00fdmi bankami zavedena. V sou\u010dasnosti se to zd\u00e1 b\u00fdt st\u00e1le v\u00edce pravd\u011bpodobn\u00e9, a tak se dTest na chystanou slu\u017ebu pod\u00edval z pohledu b\u011b\u017en\u00e9ho spot\u0159ebitele.<\/h6>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-131630 alignright\" src=\"http:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest-114x300.jpg\" alt=\"\" width=\"114\" height=\"300\" srcset=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest-114x300.jpg 114w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest.jpg 126w\" sizes=\"(max-width: 114px) 100vw, 114px\" \/>V zahrani\u010d\u00ed i v tuzemsku funguj\u00ed mnoh\u00e9 aplikace, kter\u00e9 umo\u017e\u0148uj\u00ed p\u0159evody pen\u011bz mezi \u010dleny skupiny bez znalosti \u010d\u00edsel bankovn\u00edch \u00fa\u010dt\u016f. Zaveden\u00ed podobn\u00e9ho principu zalo\u017een\u00e9ho na telefonn\u00edm \u010d\u00edsle jako jedine\u010dn\u00e9m identifik\u00e1toru platebn\u00edho spojen\u00ed pro klienty r\u016fzn\u00fdch bank je v\u0161ak v\u011bt\u0161\u00edm \u00fakolem a vy\u017eaduje nejen dohodu mezi bankami, ale i souhlas \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Z informac\u00ed, kter\u00e9 jsou k dispozici, a z \u00faprav podm\u00ednek pro u\u017e\u00edv\u00e1n\u00ed b\u011b\u017en\u00fdch \u00fa\u010dt\u016f u n\u011bkter\u00fdch finan\u010dn\u00edch \u00fastav\u016f je z\u0159ejm\u00e9, \u017ee tato slu\u017eba je bankami pl\u00e1nov\u00e1na a \u017ee nejsp\u00ed\u0161e bude v p\u0159\u00ed\u0161t\u00edch m\u011bs\u00edc\u00edch nab\u00eddnuta klient\u016fm.<\/p>\n<p>Pokud tedy m\u00e1te pot\u00ed\u017ee si zapamatovat v\u0161echna d\u016fle\u017eit\u00e1 \u010d\u00edsla, kter\u00fdmi jste v dne\u0161n\u00ed dob\u011b zahlcen\u00ed, na obzoru je drobn\u00e1 \u00faleva. <em>\u201eTak\u00e9 my v\u00edt\u00e1me v\u0161e, co spot\u0159ebitel\u016fm zjednodu\u0161uje \u017eivot, tedy i platby identifikovan\u00e9 pomoc\u00ed telefonn\u00edho \u010d\u00edsla,\u201c<\/em> uv\u00e1d\u00ed Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest. A dod\u00e1v\u00e1: <em>\u201eTelefonn\u00ed \u010d\u00edslo si spot\u0159ebitel\u00e9 bu\u010f zapamatuj\u00ed, nebo jej prost\u011b maj\u00ed ulo\u017een\u00e9 v mobiln\u00edm telefonu. Zam\u00fd\u0161len\u00e1 slu\u017eba jim usnadn\u00ed zejm\u00e9na prov\u00e1d\u011bn\u00ed plateb v b\u011b\u017en\u00e9m \u017eivot\u011b. T\u0159eba kdy\u017e cht\u011bj\u00ed poslat kapesn\u00e9 d\u011btem, splatit dluh kamar\u00e1dovi \u010di mu p\u0159isp\u011bt na spole\u010dnou \u00fatratu v restauraci nebo uhradit n\u00e1jemn\u00e9 pronaj\u00edmateli.\u201c<\/em><\/p>\n<p>A jak by tato slu\u017eba m\u011bla prakticky fungovat? Nezbytn\u00e9 bude, abyste sv\u00e9 bance ud\u011blili souhlas s propojen\u00edm v\u00e1mi vyu\u017e\u00edvan\u00e9ho telefonn\u00edho \u010d\u00edsla s bankovn\u00edm \u00fa\u010dtem. Tyto informace va\u0161e banka p\u0159ed\u00e1 do datab\u00e1ze \u010cesk\u00e9 n\u00e1rodn\u00ed banky. A pokud v\u00e1m pak bude t\u0159eba kamar\u00e1d cht\u00edt poslal pen\u00edze a jeho banka bude nab\u00edzet slu\u017ebu plateb na telefonn\u00ed \u010d\u00edslo, p\u0159i zad\u00e1v\u00e1n\u00ed p\u0159\u00edkazu k \u00fahrad\u011b vypln\u00ed va\u0161e telefonn\u00ed \u010d\u00edslo, kter\u00e9 m\u00e1 ulo\u017een\u00e9 ve sv\u00e9m mobiln\u00edm telefonu. Jeho banka n\u00e1sledn\u011b v datab\u00e1zi \u010cesk\u00e9 n\u00e1rodn\u00ed banky ov\u011b\u0159\u00ed, zda je uveden\u00e9 telefonn\u00ed \u010d\u00edslo propojen\u00e9 s n\u011bjak\u00fdm bankovn\u00edm \u00fa\u010dtem. V p\u0159\u00edpad\u011b shody pak platbu provede. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b platbu neuskute\u010dn\u00ed.<\/p>\n<p>Takov\u00e9 \u0159e\u0161en\u00ed se jev\u00ed jako jednodu\u0161\u0161\u00ed a nejsp\u00ed\u0161e i m\u00e9n\u011b n\u00e1chyln\u00e9 k chyb\u00e1m. Zad\u00e1van\u00fd \u00fadaj je toti\u017e krat\u0161\u00ed a osobu, j\u00ed\u017e budou pen\u00edze zas\u00edl\u00e1ny, budete obvykle dob\u0159e zn\u00e1t a jej\u00ed telefonn\u00ed \u010d\u00edslo budete m\u00edt ulo\u017een\u00e9 ve sv\u00e9m mobiln\u00ed telefonu. P\u0159\u00edpadn\u011b bude pobl\u00ed\u017e, co\u017e v\u00e1m umo\u017en\u00ed si s n\u00ed platbu i telefonn\u00ed \u010d\u00edslo odsouhlasit.<em> \u201eBudete v\u0161ak muset v\u011bd\u011bt, zda osoba, kter\u00e9 chcete zaplatit na telefonn\u00ed \u010d\u00edslo, opravdu tento zp\u016fsob platby umo\u017enila a propojila telefonn\u00ed \u010d\u00edslo se sv\u00fdm bankovn\u00edm \u00fa\u010dtem. Jinak se v\u00e1m pen\u00edze na jej\u00ed telefonn\u00ed \u010d\u00edslo nepoda\u0159\u00ed odeslat,\u201c<\/em> upozor\u0148uje Eduarda Hek\u0161ov\u00e1.<\/p>\n<p>Otev\u00edraj\u00ed se tu v\u0161ak ot\u00e1zky, kter\u00e9 vy\u0159e\u0161\u00ed a\u017e praxe. Nap\u0159\u00edklad jak \u010dast\u00e9 budou chyby spojen\u00e9 se zru\u0161en\u00fdmi telefonn\u00edmi \u010d\u00edsly a \u010d\u00edsly po n\u011bjak\u00e9m \u010dase p\u0159edan\u00fdmi nov\u00e9mu \u00fa\u010dastn\u00edkovi. Je mo\u017en\u00e9, \u017ee ne\u017e se nov\u00fd zp\u016fsob placen\u00ed zab\u011bhne, banky nastav\u00ed strop pro platby uskute\u010dn\u011bn\u00e9 t\u00edmto zp\u016fsobem. Budou t\u00edm chr\u00e1nit spot\u0159ebitele i sami sebe. Zaj\u00edmav\u00fdm d\u016fsledkem nov\u00e9 slu\u017eby m\u016f\u017ee b\u00fdt i motivace u\u017eivatel\u016f ponechat si po cel\u00fd \u017eivot \u010di alespo\u0148 jeho podstatnou \u010d\u00e1st jedno telefonn\u00ed \u010d\u00edslo.<\/p>\n<p><strong>dTest<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; V <\/p>\n","protected":false},"author":2,"featured_media":225242,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[87],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/05\/26\/r\u00e1me\u010dek-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/225240"}],"collection":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=225240"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/225240\/revisions"}],"predecessor-version":[{"id":225243,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/225240\/revisions\/225243"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/225242"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=225240"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=225240"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=225240"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}