{"id":37114,"date":"2026-03-04T10:51:46","date_gmt":"2026-03-04T05:51:46","guid":{"rendered":"https:\/\/kommers.uz\/?p=37114"},"modified":"2026-03-04T11:03:29","modified_gmt":"2026-03-04T06:03:29","slug":"bu-mazhburij-talab-emas-mb-plastik-kartadan-pul-%d1%9etkazishga-izo%d2%b3-berish-bu-cheklov-emasligini-malum-%d2%9bildi","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=37114","title":{"rendered":"\u201cBu majburiy talab emas\u201d \u2014 MB plastik kartadan pul o\u02bbtkazishga izoh berish haqida"},"content":{"rendered":"<p>Markaziy bank tijorat banklari va to\u02bblov tashkilotlariga mobil ilovalar orqali o\u02bbtkazmalar amalga oshirilganda \u201co\u02bbtkazma maqsadini ko\u02bbrsatish\u201d vazifasini yukladi. Regulyator matbuot xizmatining \u201cKommers.uz\u201d nashriga ma\u02bclum qilishicha, ushbu xat tavsiyaviy xarakterga ega bo\u02bblib, bu majburiy talab emas.<\/p>\n<p>Markaziy bank tijorat banklari va to\u02bblov tashkilotlariga mobil ilovalar orqali o\u02bbtkazmalar amalga oshirilganda \u201co\u02bbtkazma maqsadini ko\u02bbrsatish\u201d bo\u02bbyicha ko\u02bbrsatma <a href=\"https:\/\/dinor.uz\/?p=37095\">jo\u02bbnatdi<\/a>. Unga ko\u02bbra, foydalanuvchi o\u02bbtkazmani amalga oshirganida majburiy ravishda <strong>o\u02bbtkazma maqsadini tanlashi<\/strong> kerak bo\u02bbladi. Hozircha ayrim ilovalarda bu talab ishga tushirilgan, ayrimlarida esa yo\u02bbq.<\/p>\n<p>Regulyatorga ko\u02bbra, raqamli xizmatlarni rivojlantirish doirasida banklar va to\u02bblov tashkilotlari mobil ilovalar funksionalini bosqichma-bosqich takomillashtirib bormoqda. Jumladan, pul o\u02bbtkazmalarida ayrim aniqlashtiruvchi parametrlar joriy etilishi mumkin.<\/p>\n<p>Qayd etilishicha, bu texnik xususiyatga ega yangilanish bo\u02bblib, operatsiyalarning to\u02bbg\u02bbri qayta ishlanishi, servis sifatini oshirish va tizim barqarorligini ta\u02bcminlashga qaratilgan. Kiritilgan ma\u02bclumotlar mobil ilovaning standart ishlash jarayoni doirasida qayta ishlanadi va uchinchi shaxslarga taqdim etilmaydi.<\/p>\n<p>Muhimi:<\/p>\n<ul>\n<li>mazkur yangilanishlar to\u02bblovlarni cheklashni nazarda tutmaydi;<\/li>\n<li>o\u02bbtkazmalar amaldagi tartibda davom etadi;<\/li>\n<li>to\u02bblovni amalga oshirish mexanizmi o\u02bbzgarmaydi (qo\u02bbshimcha hujjat yoki murakkab jarayon yo\u02bbq).<\/li>\n<\/ul>\n<p>Ta\u02bckidlanishicha, ushbu amaliyot jahon tajribasida keng qo\u02bbllaniladi. Masalan, turli xalqaro bank ilovalarida (skrinshotlarda keltirilgan misollar kabi) to\u02bblov maqsadi, kategoriya yoki izoh maydonlari mavjud.<\/p>\n<blockquote><p>\u00abYana bir muhim jihat: <strong>Ushbu xat tavsiyaviy xarakterga ega<\/strong>. Bu majburiy talab emas\u00bb, \u2014 deyiladi MB izohida.<\/p><\/blockquote>\n<p>Qanday shaklda joriy etish, qachon joriy etish va nechta parametr qo\u02bbshish \u2014 har bir bank yoki to\u02bblov tashkilotining o\u02bbziga bog\u02bbliq ekani bildirildi. Bu ularning mobil ilova arxitekturasi, texnik infratuzilmasi va ichki jarayonlaridan kelib chiqib belgilanadi.<\/p>\n<blockquote><p>\u201c16 ta parametr\u201d degan tushuncha yagona majburiy ro\u02bbyxat emas. <strong>Bu umumiy namunaviy yondashuv<\/strong> bo\u02bblishi mumkin. Ayrim banklarda kamroq, ayrimlarida boshqacha formatda bo\u02bblishi ehtimol, \u2014 deyiladi xabarda.<\/p><\/blockquote>\n<p>Shu bilan birga, regulyator ushbu yangilik orqali to\u02bbplanadigan ma\u02bclumotlar<strong> soliq yoki boshqa idoralarga yuborilmasligini<\/strong> ma\u02bclum qildi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Shu bilan birga, regulyator ushbu yangilik orqali to\u02bbplanadigan ma\u02bclumotlar soliq yoki boshqa idoralarga yuborilmasligini ma\u02bclum qildi.<\/p>\n","protected":false},"author":23,"featured_media":25491,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"_sharing_image":{"poster":"https:\/\/dinor.uz\/wp-content\/uploads\/2026\/03\/69a7cb31d43e4.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":25491,"7B0ecgVieEAP":"\u00ab\u0411\u0443 \u043c\u0430\u0436\u0431\u0443\u0440\u0438\u0439 \u0442\u0430\u043b\u0430\u0431 \u044d\u043c\u0430\u0441\u00bb \u2014 \u041c\u0411 \u043f\u043b\u0430\u0441\u0442\u0438\u043a \u043a\u0430\u0440\u0442\u0430\u0434\u0430\u043d \u043f\u0443\u043b \u045e\u0442\u043a\u0430\u0437\u0438\u0448\u0433\u0430 \u0438\u0437\u043e\u04b3 \u0431\u0435\u0440\u0438\u0448 \u04b3\u0430\u049b\u0438\u0434\u0430"},"_dinor_sponsored":false,"_dinor_sponsor_name":"","_dinor_reading_time":0,"_dinor_primary_term":0,"_dinor_featured":false,"_dinor_urgent":false,"_dinor_show_author":false,"_dinor_kicker":"","_dinor_summary":"","_dinor_sources":"","footnotes":""},"categories":[2],"tags":[],"ptype":[30],"_links":{"self":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/37114"}],"collection":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=37114"}],"version-history":[{"count":4,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/37114\/revisions"}],"predecessor-version":[{"id":37123,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/37114\/revisions\/37123"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/25491"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=37114"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=37114"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=37114"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=37114"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}