{"id":13193,"date":"2016-01-12T16:55:00","date_gmt":"2016-01-12T16:55:00","guid":{"rendered":"http:\/\/atif.unaldi.org\/blog\/?p=13193"},"modified":"2016-01-12T16:55:00","modified_gmt":"2016-01-12T16:55:00","slug":"tuketiciler-e-ticaret-odeme-islemlerinde-artik-yasa-korumasi-altinda","status":"publish","type":"post","link":"https:\/\/atif.unaldi.org\/blog\/2016\/01\/12\/tuketiciler-e-ticaret-odeme-islemlerinde-artik-yasa-korumasi-altinda\/","title":{"rendered":"T\u00fcketiciler, E-Ticaret \u00d6deme \u0130\u015flemlerinde Art\u0131k Yasa Korumas\u0131 Alt\u0131nda"},"content":{"rendered":"<p><strong>\u00d6deme Hizmetleri ve Elektronik Para kurulu\u015flar\u0131n\u0131 d\u00fczenleyen 6493 say\u0131l\u0131 kanunun 27 Haziran 2015 itibariyle uygulamaya al\u0131nan yeni y\u00f6netmeli\u011fi &#8220;lisanslama&#8221; yoluyla elektronik para ve yeni \u00f6deme sistemlerini kullanan firma ya da t\u00fcketicilerinin g\u00fcvenli\u011fini kontrol alt\u0131na al\u0131yor. Elektronik para firmalar\u0131na lisans ko\u015fulu getirilmesi ile birlikte ilk lisans alan firmalardan Turk Elektronik Para A.\u015e. Y\u00f6netim Kurulu Ba\u015fkan\u0131 Emin Can Y\u0131lmaz : &#8220;6493 say\u0131l\u0131 kanun yerinde bir uygulama ile T\u00fcrk t\u00fcketicilerini korumaya y\u00f6nelik olarak, yap\u0131lan i\u015flemlerin T\u00fcrkiye&#8217;de kurulu olan sunucular \u00fczerinde yap\u0131lmas\u0131n\u0131 tavsiye etti. Bildi\u011finiz gibi, bankalar\u0131n da i\u015flemlerini yurti\u00e7indeki sunucularda yapmas\u0131 \u015fart\u0131 bulunuyor&#8221; dedi.<\/strong><br \/>\nBug\u00fcnlerde, &#8220;elektronik para&#8221; ve &#8220;yeni nesil \u00f6deme sistemleri&#8221; elektronik ticaret ortamlar\u0131n\u0131n en pop\u00fcler konular\u0131ndan birisi haline geldi. Art\u0131k sadece bankalar\u0131n \u00f6deme sistemlerini de\u011fil, farkl\u0131 sistemleri de kullanabiliyoruz. Ama ya g\u00fcvenlik?<br \/>\nYani &#8220;elektronik para&#8221; sat\u0131n ald\u0131\u011f\u0131n\u0131zda ya da bir yere \u00f6deme yapt\u0131\u011f\u0131n\u0131zda acaba paran\u0131z, \u00f6demeniz ve daha da \u00f6nemlisi bilgileriniz g\u00fcvenlik alt\u0131nda m\u0131?<br \/>\n\u0130nternet teknolojilerinin tetikledi\u011fi yeni \u00f6deme sistemleri ve elektronik para konusunda &#8220;g\u00fcvenli i\u015flem&#8221; yapmaya dikkat etmek gerekiyor. Peki g\u00fcvenli i\u015flem yapt\u0131\u011f\u0131m\u0131z\u0131 nas\u0131l anlayaca\u011f\u0131z?<br \/>\n27 Haziran 2015 itibariyle uygulamaya al\u0131nan yeni y\u00f6netmelik &#8220;lisanslama&#8221; yoluyla i\u015fte bunu sa\u011fl\u0131yor.<br \/>\n<strong>6493 Say\u0131l\u0131 Kanun T\u00fcketicilerin G\u00fcvenli\u011fi i\u00e7in \u00c7\u0131kar\u0131ld\u0131<\/strong><br \/>\nKanunun ne getirdi\u011fini Turk Elektronik Para A.\u015e. Y\u00f6netim Kurulu Ba\u015fkan\u0131 Emin Can Y\u0131lmaz \u015f\u00f6yle anlat\u0131yor : &#8220;Bu kanunun getirdi\u011fi \u00f6zelliklerden en \u00f6nemlisi T\u00fcrk T\u00fcketicilerini elektronik para ve \u00f6deme sistemlerine kar\u015f\u0131 &#8220;koruma alt\u0131na al\u0131yor&#8221; olmas\u0131. Bunu da, \u00e7e\u015fitli \u015fartlar koyarak ve bu \u015fartlar\u0131 yerine getiren firmalar\u0131n &#8220;lisans&#8221; almas\u0131n\u0131 sa\u011flayarak yerine getiriyor.<br \/>\nYani g\u00fcvenli i\u015flem yapabilece\u011finiz Elektronik Finans Kurulu\u015flar\u0131n\u0131 &#8220;lisans&#8221; ile i\u015faretliyor.&#8221; T\u00fcketicilerinin g\u00fcvenli\u011fini d\u00fc\u015f\u00fcnen e-ticaret firmalar\u0131na d\u00fc\u015fen ise, T\u00fcrkiye&#8217;de lisans alm\u0131\u015f bir firman\u0131n \u00f6deme sistemlerini kullanmak.&#8221;<br \/>\nBug\u00fcn ilerleyen teknoloji sayesinde, banka kredi kartlar\u0131 d\u0131\u015f\u0131nda 150&#8217;ye yak\u0131n yeni \u00f6deme sistemi bulunuyor. Bu sistemlerin pek \u00e7o\u011funu \u00fclkemize \u00e7ok uluslu firmalar getirdi. 6493 say\u0131l\u0131 kanunla bu firmalar\u0131n lisans almas\u0131 zorunlu hale getirilerek bu sistemler \u00fczerinden yap\u0131lan i\u015flemlere devlet garantisi sa\u011flanm\u0131\u015f oldu. Ancak getirilen d\u00fczenlemeler tabi ki baz\u0131 firmalara a\u011f\u0131r gelebiliyor.<br \/>\n\u00d6rne\u011fin, y\u00f6netmeli\u011fin getirdi\u011fi &#8220;sunucular T\u00fcrkiye&#8217;de olacak&#8221; \u015fart\u0131n\u0131n de\u011fi\u015fmesi konusunda b\u00fcy\u00fck bir bask\u0131 var ve de bu firmalar\u0131n t\u00fcketici haklar\u0131n\u0131n korunmas\u0131 i\u00e7in olu\u015fturulan &#8220;koruma hesaplar\u0131&#8221;n\u0131 kullanmaya pek de g\u00f6n\u00fcll\u00fc olmad\u0131klar\u0131 g\u00f6r\u00fcl\u00fcyor.<br \/>\n<strong>Lisans Almayan Firmalar\u0131n \u00d6deme Sistemleri G\u00fcvensiz mi?<\/strong><br \/>\nBug\u00fcn ilerleyen teknoloji sayesinde, banka kredi kartlar\u0131 d\u0131\u015f\u0131nda 150\u2019ye yak\u0131n yeni \u00f6deme sistemi bulunuyor. Bu sistemlerin pek \u00e7o\u011funu \u00fclkemize \u00e7ok uluslu firmalar getirdi. 6493 say\u0131l\u0131 kanunla bu firmalar\u0131n lisans almas\u0131 zorunlu hale getirilerek bu sistemler \u00fczerinden yap\u0131lan i\u015flemlere devlet garantisi sa\u011flanm\u0131\u015f oldu. Ancak bu firmalar\u0131n lisans almak yerine, mecliste ko\u015fullar\u0131 gev\u015fetmek i\u00e7in lobi yapmaya \u00e7al\u0131\u015ft\u0131klar\u0131 g\u00f6r\u00fcl\u00fcyor.<br \/>\n\u00d6rne\u011fin, y\u00f6netmeli\u011fin getirdi\u011fi \u201csunucular T\u00fcrkiye\u2019de olacak\u201d \u015fart\u0131 konusunda b\u00fcy\u00fck bir bask\u0131 var ve de bu firmalar\u0131n t\u00fcketici haklar\u0131n\u0131n korunmas\u0131 i\u00e7in olu\u015fturulan \u201ckoruma hesaplar\u0131\u201dn\u0131 kullanmaya pek de g\u00f6n\u00fcll\u00fc olmad\u0131klar\u0131 g\u00f6r\u00fcl\u00fcyor.<br \/>\n<strong>T\u00fcketicilerin Elektronik Para ve \u00d6deme \u0130\u015flemlerinde Lisans\u0131 Olan Firmalar\u0131 Tercih Etmesi Do\u011frudur.<\/strong><br \/>\n6493 say\u0131l\u0131 kanunun t\u00fcketicilere ne gibi g\u00fcvenlik olanaklar\u0131 sundu\u011fu konusunda da Turk Elektronik Para A.\u015e. Y\u00f6netim Kurulu Ba\u015fkan\u0131 Emin Can Y\u0131lmaz &#8220;6493 say\u0131l\u0131 kanun yerinde bir uygulama ile T\u00fcrk t\u00fcketicilerini korumaya y\u00f6nelik olarak, yap\u0131lan i\u015flemlerin T\u00fcrkiye&#8217;de kurulu olan sunucular \u00fczerinde yap\u0131lmas\u0131n\u0131 zorunlu k\u0131l\u0131yor. Bildi\u011finiz gibi, bankalar\u0131n da i\u015flemlerini yurti\u00e7indeki sunucularda yapmas\u0131 \u015fart\u0131 bulunuyor&#8221; dedi.<br \/>\nY\u0131lmaz, bunun s\u0131k\u0131nt\u0131l\u0131 i\u015flemlerde, t\u00fcketicinin hukuk yoluna ba\u015fvurmas\u0131 durumunda, sorununu daha rahat ve h\u0131zl\u0131 \u00e7\u00f6zmesi anlam\u0131na gelece\u011fini belirtti ve &#8220;Elektronik Para ya da \u00f6deme i\u015flemi yapan, e-ticaret \u00fczerinden al\u0131\u015fveri\u015f yapan t\u00fcketicilerin, mutlaka Turk Elektronik Para A.\u015e. gibi lisans alm\u0131\u015f bir firmay\u0131 tercih etmesini tavsiye ediyoruz. Bu kendi g\u00fcvenlikleri a\u00e7\u0131s\u0131ndan \u00f6nemli&#8221; dedi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00d6deme Hizmetleri ve Elektronik Para kurulu\u015flar\u0131n\u0131 d\u00fczenleyen 6493 say\u0131l\u0131 kanunun 27 Haziran 2015 itibariyle uygulamaya al\u0131nan yeni y\u00f6netmeli\u011fi &#8220;lisanslama&#8221; yoluyla elektronik para ve yeni \u00f6deme sistemlerini kullanan firma ya da t\u00fcketicilerinin g\u00fcvenli\u011fini kontrol alt\u0131na al\u0131yor&#8230;.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-13193","post","type-post","status-publish","format-standard","hentry","category-blogum"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>T\u00fcketiciler, E-Ticaret \u00d6deme \u0130\u015flemlerinde Art\u0131k Yasa Korumas\u0131 Alt\u0131nda - 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