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MasterCard Inc. je jedna od najvećih multinacionalnih korporacija za obradu platnog prometa između banaka trgovaca i banaka kupaca. Korisnici za potrebe platnih transakcija koriste kreditne ili debitne kartice MasterCard brenda.

Kompaniju su osnovale United California Bank, Wells Fargo Bank, Crocker National Bank i Bank of California 1966, a pre nego što je izašla na berzu, kompanija Mastercard bila je u vlasništvu 25.000 finansijskih institucija. Mastercard, čije je sedište trenutno u Njujorku, danas važi za jednu od najbezbednijih i najpouzdanijih platnih metoda.

Kako funkcioniše Mastercard?

MasterCard kreditna kartica izdaje se fizičkom licu po zahtevu, a čiji je nalog u banci odobren od strane kreditora. Vlasnik kartice može da je koristi za potrebe kupovine onlajn ili na fizičkim lokacijama. Veliki broj onlajn kazina nudi MasterCard kao način uplate novca ili isplate dobitaka. Način na koji kartica funkcioniše je prilično jednostavan.

Kupovina je u biti sporazum kojim se nalaže da vlasnik kreditne kartice kompaniji Mastercard plati iznos u visini cene kupljenog proizvoda. Kada se radi o onlajn transakciji, koja je poznata kao Transakcija bez vlasnika kartice (engl. Cardholder Not Present transactions) - vlasnik kartice autorizuje kupovinu unošenjem PIN-a (engl. Personal Identification Number/lični identifikacioni broj). Neka kazina prihvataju i verbalnu autorizaciju preko telefona. Trgovac onda koristi elektronski verifikacioni sistem, da bi se uverio da vlasnik kartice poseduje validnu karticu sa dovoljno sredstava na njoj. Ovaj verifikacioni sistem prihvata dodatne informacije korisnika uključujući sigurnosni kod, datum rođenja i/ili neke druge lične informacije.

Na kraju obračunskog perioda (mesec dana), MasterCard izdaje izvod sa računa, koji prikazuje sve transakcije, naknade i sumu koju vlasnik kartice ima na raspolaganju. Vlasnik kartice je u obavezi da plati ratu svoga duga do određenog datuma.

MasterCard ima i debitnu karticu koja se zove MasterMoney. Debitna kartica je direktno povezana sa bankovnim računom vlasnika. Ova kartica se može koristiti za onlajn kupovine, ili za postavljanje depozita u kazinu. Kada se koristi onlajn, MasterMoney kartica zahteva elektronsku autorizaciju svih transakcija, a zaduženje se direktno naplaćuje sa računa korisnika. Ove transakcije su dodatno osigurane PIN autentifikacijom.

MasterCard - za i protiv

MasterCard dozvoljava igračima da postavljaju depozite u onlajn kazina. Jedina mana je što sve veći broj onlajn kazina ne dozvoljava igračima korišćenje kreditnih kartica, tako da je velika mogućnost da transakcija bude odbijena. Ako i dozvole, onda neka kazina naplaćuju naknade za postavljene depozite.

Pored ovih manjih nedostataka, korišćenje MasterCard kartice za uplatu novca je vrlo pouzdano. MasterCard je razvila puno sigurnosnih sistema da bi igračima pružila sigurne transakcije. Ako igrač koristi debitnu karticu, može da bude spokojan jer koristi svoja lična sredstva.

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