Plastik kartalar orqali hisob-kitob qilishning huquqiy tabiati

Abstract

. Plastik kartalar oraqali hisob-kitob qilish naqd pulsiz to’lov qilishning shakllaridan biri sifatida jamiyatda ko’rinadi. Shu asnoda, plastik kartalar yaqin o’tmishda  bizni hayotimizga va jamiyatimizga shiddat bilan kirib keldi. Bu tarzdagi to’lov qilish huquqiy tabiatining o’ziga xos jihatlar va maqsadlar mavjud.

Birinchidan, naqd pulsiz to’lov qilishning paydo bo’lishi, uning tarixi va istiqbollarining rivojlanish tarixi va jarayoni mavjud. Bunda plastik kartalar qanday va qayerda birinchi paydo bo’lgani va nima maqsadda karta orqali to’lov joriy qilingani haqida fikr yuritiladi. Ikkinchidan, bir qancha davlatlarda platik kartalar orqali to’lov qilishning huquqiy jihatdan tartibga solinishi va qonunchiligi haqida ham munozara amalga oshiriladi. Uchinchidan, O’zbekiston Respublikasi  qonunchiligida plastik kartalar orqali hisob-kitob qilish huquqiy tartib-taomillari va ularni chet el davlatlar qonunchiligi bilan o’xshash va farqli jihatlarini tahlil qilinadi.  

Mazkur ish doirasida naqd pulsiz to’lov qilishning shakllaridan biri hisoblangan plastik kartalar orqali to’lov qilishning huquqiy tabiatining chet el tajribasi, qonunchiligi va milliy qonunchiligimizda plastik kartalarning qonuniy jihatdan taartibga solinishi ko’rib chiqiladi.

Payment by plastic cards is seen in society as one of the forms of cashless payment. At the same time, in the recent past, plastic cards have entered our lives and society. The legal nature of this type of payment has specific aspects and purposes.

First, there is the history and process of the development of cashless payment, its history, and prospects. It will reflect on how and where plastic cards first appeared and for what purpose card payment was introduced. Secondly, there will be a discussion about the legal regulation and legislation of payment by credit cards in several countries. Thirdly, the legal procedures of settlement by plastic cards in the legislation of the Republic of Uzbekistan and their similarities and differences with the legislation of foreign countries are analyzed.

In this work, the legal nature of payment by plastic cards considered one of the forms of non-cash payment, foreign experience, legislation, and the legal regulation of plastic cards in our national legislation will be considered.