Forms and procedure for the implementation of non -cash calculations. Bychkov A.I.

Cashless funds have undoubted advantages compared to cash due to convenience, speed and simplicity of calculations, the lack of the need to ensure the safety and safety of such money, excluding the risk of their falsification and the appearance of dilapidation.

using functional mobile applications that are full -fledged, remote banking offices, a client can from any place where there is access to the Internet, use banking services and services, giving a bank instructions to dispose of their non -cash money.

Truth, the use of non -cash money also It is associated with certain problems, the main of which is a violation of the confidentiality of the keys and passwords that provide access to accounts and electronic wallets where they are stored.

However, with all its shortcomings, the non -cash form of calculations gradually displaces the calculations of cash, because It is more convenient, transparent and controlled for the state that monitors transaction and transactions in order to implement fiscal and other control functions.

in this book, based on legislative acts and the current judicial practice, we decided to analyze the existing forms of non -cash calculations ( Payment and incessive orders, accredites and checks), individual procedures used in the cashless calculation system: expression and review of a pre -certificate of this acceptance of the payer, binding the payment card to the account (account), holding funds on the payment card, study certain types of non -cash money ( Electronic cash and digital ruble), as well as the procedure for using cryptocurrency, which is a monetary surrogate.