{"id":10153,"date":"2026-10-14T20:31:15","date_gmt":"2026-10-14T16:31:15","guid":{"rendered":"https:\/\/idealxeber.az\/?p=10153"},"modified":"2026-10-14T20:31:15","modified_gmt":"2026-10-14T16:31:15","slug":"avtobusda-kart-oxunmur-amma-pul-cixilir-arasdirma","status":"publish","type":"post","link":"https:\/\/idealxeber.az\/?p=10153","title":{"rendered":"Avtobusda kart oxunmur, amma pul \u00e7\u0131x\u0131l\u0131r – ARA\u015eDIRMA"},"content":{"rendered":"

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\u0130ctimai n\u0259qliyyatdan m\u00fcnt\u0259z\u0259m olaraq istifad\u0259 ed\u0259n paytaxt sakinl\u0259ri texniki probleml\u0259rl\u0259 \u00fczl\u0259\u015firl\u0259r. Bel\u0259 ki, s\u0259rni\u015finl\u0259r bank kart\u0131nda balans oldu\u011fu halda onu avtobusun validatoruna yax\u0131nla\u015fd\u0131rd\u0131qda \u201ckart oxunmur\u201d bildiri\u015fi il\u0259 qar\u015f\u0131la\u015f\u0131rlar v\u0259 ke\u00e7id u\u011fursuz olur. Onlar iddia edir ki, \u00f6d\u0259ni\u015f u\u011fursuz al\u0131nsa da, g\u00fcn\u00fcn sonunda hesabdan h\u0259min gedi\u015f \u00fc\u00e7\u00fcn \u00f6d\u0259nil\u0259n pullar silinir.<\/div>\n
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\u0130lk bax\u0131\u015fda c\u0259mi 50-60 q\u0259piklik g\u00f6r\u00fcn\u0259n bel\u0259 probleml\u0259r Bak\u0131 miqyas\u0131nda n\u0259 q\u0259d\u0259r b\u00f6y\u00fck maliyy\u0259 riskin\u0259 \u00e7evril\u0259 bil\u0259r?<\/strong><\/p>\n

AB\u015e-nin d\u00f6vl\u0259t ara\u015fd\u0131rma universiteti \u201cGeorge Mason\u201d Universitetinin t\u0259dqiqat\u00e7\u0131s\u0131 Ramil Abbasov m\u0259s\u0259l\u0259ni \u00d6lk\u0259.az-a \u015f\u0259rh edib. O bildirib ki, Az\u0259rbaycan Yer\u00fcst\u00fc N\u0259qliyyat Agentliyinin\u00a0sentyabr\u0131n 15-i \u00fc\u00e7\u00fcn a\u00e7\u0131qlad\u0131\u011f\u0131 statistika problemin miqyas\u0131n\u0131 t\u0259s\u0259vv\u00fcr etm\u0259k \u00fc\u00e7\u00fcn k\u00f6m\u0259k edir:<\/p>\n

\u201cT\u0259bii ki, h\u0259r g\u00fcn eyni sayda s\u0259rni\u015fin da\u015f\u0131nm\u0131r. H\u0259m\u00e7inin b\u00fct\u00fcn s\u0259rni\u015finl\u0259r bank kart\u0131 il\u0259 \u00f6d\u0259ni\u015f etmir v\u0259 h\u0259r \u00f6d\u0259ni\u015fd\u0259 problem yaranm\u0131r. Lakin iqtisadi bax\u0131mdan maraql\u0131 sual ortaya \u00e7\u0131x\u0131r: g\u00fcnd\u0259 t\u0259xmin\u0259n bir milyon s\u0259rni\u015fin s\u0259f\u0259ri h\u0259yata ke\u00e7iril\u0259n sistemd\u0259 bank kart\u0131 il\u0259 \u00f6d\u0259ni\u015fl\u0259rin \u00e7ox ki\u00e7ik bir hiss\u0259sind\u0259 bel\u0259 \u0259sass\u0131z \u0259lav\u0259 tutulma ba\u015f ver\u0259rs\u0259, bunun illik d\u0259y\u0259ri n\u0259 q\u0259d\u0259r olar? G\u0259lin, sad\u0259 hesablama aparaq.<\/p>\n

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F\u0259rz ed\u0259k ki, g\u00fcnd\u0259lik 993 812 s\u0259f\u0259rin yar\u0131s\u0131 bank kart\u0131 il\u0259 \u00f6d\u0259nilir. Bu, t\u0259xmin\u0259n 497 min \u00f6d\u0259ni\u015f dem\u0259kdir. H\u0259m\u00e7inin h\u0259r problemli s\u0259f\u0259r \u00fc\u00e7\u00fcn bir \u0259lav\u0259 gedi\u015fhaqq\u0131 tutuldu\u011funu v\u0259 hesablama m\u0259qs\u0259dil\u0259 gedi\u015fhaqq\u0131n\u0131n 60 q\u0259pik oldu\u011funu q\u0259bul ed\u0259k. \u018fg\u0259r bu \u00f6d\u0259ni\u015fl\u0259rin c\u0259mi 0,1 faizind\u0259, y\u0259ni h\u0259r min \u00f6d\u0259ni\u015fd\u0259n birind\u0259 \u0259sass\u0131z \u0259lav\u0259 tutulma ba\u015f ver\u0259rs\u0259, g\u00fcnd\u0259 t\u0259xmin\u0259n 298 manatl\u0131q \u0259lav\u0259 \u00f6d\u0259ni\u015f yaranar. Bu is\u0259 il \u0259rzind\u0259 t\u0259xmin\u0259n 109 min manat dem\u0259kdir.<\/p>\n

Problem \u00f6d\u0259ni\u015fl\u0259rin 0,5 faizini \u0259hat\u0259 ed\u0259rs\u0259, illik m\u0259bl\u0259\u011f 544 min manata \u00e7ata bil\u0259r. Ba\u015fqa s\u00f6zl\u0259, f\u0259rdi s\u0259rni\u015fin \u00fc\u00e7\u00fcn ki\u00e7ik g\u00f6r\u00fcn\u0259n m\u0259bl\u0259\u011f b\u00f6y\u00fck n\u0259qliyyat sistemind\u0259 ciddi maliyy\u0259 riskin\u0259 \u00e7evril\u0259 bil\u0259r.<\/p>\n

Burada vacib m\u0259qam\u0131 vur\u011fulamaq laz\u0131md\u0131r: bu r\u0259q\u0259ml\u0259r s\u0259rni\u015finl\u0259rd\u0259n faktiki olaraq h\u0259min m\u0259bl\u0259\u011fl\u0259rin tutuldu\u011funu g\u00f6st\u0259rmir. Bunlar problemin m\u00fcmk\u00fcn maliyy\u0259 miqyas\u0131n\u0131 anlamaq \u00fc\u00e7\u00fcn apard\u0131\u011f\u0131m\u0131z ssenari hesablamalar\u0131d\u0131r. Real m\u0259bl\u0259\u011fi m\u00fc\u0259yy\u0259n etm\u0259k \u00fc\u00e7\u00fcn bank v\u0259 n\u0259qliyyat operatorlar\u0131n\u0131n \u0259m\u0259liyyat m\u0259lumatlar\u0131 laz\u0131md\u0131r.<\/p>\n

\u00dcst\u0259lik, hesablamada sentyabr\u0131n 15-d\u0259ki s\u0259rni\u015fin ax\u0131n\u0131n\u0131n b\u00fct\u00fcn il \u0259rzind\u0259 d\u0259yi\u015fm\u0259diyi f\u0259rz edilir. Ona g\u00f6r\u0259 d\u0259, bu r\u0259q\u0259ml\u0259r r\u0259smi illik itki statistikas\u0131 kimi t\u0259qdim edil\u0259 bilm\u0259z\u201d.<\/p>\n

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S\u0259rni\u015finin bank hesab\u0131ndan pul \u00e7\u0131x\u0131l\u0131bsa, lakin validator \u00f6d\u0259ni\u015fi u\u011fursuz g\u00f6st\u0259ribs\u0259, h\u0259min v\u0259saitin taleyi nec\u0259 m\u00fc\u0259yy\u0259n edilir?<\/strong><\/p>\n

M\u00fct\u0259x\u0259ssis qeyd edib ki, b\u0259zi texniki suallar\u0131n cavablar\u0131 h\u0259r bir s\u0259rni\u015fin \u00fc\u00e7\u00fcn vacibdir:
\n\u201c\u00d6d\u0259ni\u015f bank t\u0259r\u0259find\u0259n t\u0259sdiql\u0259nibmi? V\u0259sait m\u00fcv\u0259qq\u0259ti bloklan\u0131bm\u0131? Pul n\u0259qliyyat operatoruna k\u00f6\u00e7\u00fcr\u00fcl\u00fcbm\u00fc? Yoxsa sistemd\u0259 \u0259m\u0259liyyat gecikm\u0259 il\u0259 tamamlan\u0131b?
\n\u018fdal\u0259t namin\u0259 qeyd etm\u0259k laz\u0131md\u0131r ki, bank t\u0259tbiqind\u0259 g\u00f6r\u00fcn\u0259n h\u0259r bildiri\u015f yekun pul tutulmas\u0131 dem\u0259k deyil. B\u0259z\u0259n \u0259vv\u0259lki s\u0259f\u0259rin \u00f6d\u0259ni\u015fi gecikm\u0259 il\u0259 hesabdan \u00e7\u0131x\u0131l\u0131r, b\u0259z\u0259n is\u0259 m\u00fcv\u0259qq\u0259ti bloklanm\u0131\u015f v\u0259sait sonradan s\u0259rb\u0259st burax\u0131l\u0131r.<\/p>\n

Amma s\u0259rni\u015fin b\u00fct\u00fcn bunlar\u0131 haradan bilm\u0259lidir? V\u0259t\u0259nda\u015fdan bank \u0259m\u0259liyyatlar\u0131n\u0131n texniki mexanizmini \u00f6yr\u0259nm\u0259k t\u0259l\u0259b oluna bilm\u0259z. O, sad\u0259c\u0259 avtobusa minir v\u0259 xidm\u0259tin haqq\u0131n\u0131 \u00f6d\u0259yir. \u00d6d\u0259ni\u015fin d\u00fczg\u00fcn apar\u0131ld\u0131\u011f\u0131n\u0131 t\u0259min etm\u0259k is\u0259 xidm\u0259t g\u00f6st\u0259r\u0259n qurumlar\u0131n v\u0259 \u00f6d\u0259ni\u015f sisteminin i\u015ftirak\u00e7\u0131lar\u0131n\u0131n m\u0259suliyy\u0259tidir\u201d.<\/p>\n

London v\u0259 Nyu-Yorkda bu m\u0259s\u0259l\u0259 nec\u0259 h\u0259ll olunur?<\/strong><\/p>\n

R.Abbasovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, Bank kartlar\u0131 il\u0259 ictimai n\u0259qliyyatda \u00f6d\u0259ni\u015f sistemi d\u00fcnyan\u0131n bir \u00e7ox b\u00f6y\u00fck \u015f\u0259h\u0259rind\u0259 istifad\u0259 olunur. London v\u0259 Nyu-York bu sah\u0259d\u0259 diqq\u0259t\u0259layiq t\u0259cr\u00fcb\u0259y\u0259 malikdir:<\/p>\n

\u201cM\u0259s\u0259l\u0259n, Londonda ictimai n\u0259qliyyat sistemini idar\u0259 ed\u0259n \u201cTransport for London\u201d s\u0259rni\u015finl\u0259r\u0259 bank kart\u0131 il\u0259 etdikl\u0259ri s\u0259f\u0259rl\u0259rin tarix\u00e7\u0259sini yoxlamaq imkan\u0131 verir. S\u0259rni\u015fin hans\u0131 g\u00fcn, hans\u0131 s\u0259f\u0259r\u0259 g\u00f6r\u0259 n\u0259 q\u0259d\u0259r \u00f6d\u0259ni\u015f etdiyini g\u00f6r\u0259 v\u0259 art\u0131q tutulmu\u015f m\u0259bl\u0259\u011fl\u0259 ba\u011fl\u0131 m\u00fcraci\u0259t ed\u0259 bilir. M\u00fc\u0259yy\u0259n hallarda art\u0131q tutulmu\u015f m\u0259bl\u0259\u011fin avtomatik geri qaytar\u0131lmas\u0131 da m\u00fcmk\u00fcnd\u00fcr.<\/p>\n

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Nyu-Yorkda istifad\u0259 edil\u0259n OMNY sistemi d\u0259 bank kartlar\u0131 v\u0259 mobil \u00f6d\u0259ni\u015f vasit\u0259l\u0259ri il\u0259 s\u0259f\u0259rl\u0259rin \u00f6d\u0259nilm\u0259sin\u0259 imkan verir. \u00d6d\u0259ni\u015f probleml\u0259rinin ara\u015fd\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn ayr\u0131ca m\u00fc\u015ft\u0259ri d\u0259st\u0259yi mexanizmi m\u00f6vcuddur.<\/p>\n

Bu sisteml\u0259rin d\u0259 tamamil\u0259 problemsiz oldu\u011funu s\u00f6yl\u0259m\u0259k olmaz. Texniki nasazl\u0131qlar d\u00fcnyan\u0131n \u0259n inki\u015faf etmi\u015f \u015f\u0259h\u0259rl\u0259rind\u0259 d\u0259 ba\u015f ver\u0259 bil\u0259r. \u018fsas f\u0259rq problemin \u00fcmumiyy\u0259tl\u0259 yaranmamas\u0131nda deyil, yarand\u0131qda nec\u0259 v\u0259 n\u0259 q\u0259d\u0259r tez h\u0259ll edilm\u0259sind\u0259dir.
\nS\u0259rni\u015fin \u00f6z pulunun taleyini \u00f6yr\u0259nm\u0259k \u00fc\u00e7\u00fcn g\u00fcnl\u0259rl\u0259 bankla n\u0259qliyyat operatoru aras\u0131nda get-g\u0259l etm\u0259m\u0259lidir\u201d.<\/p>\n

BakuBus n\u0259 etm\u0259lidir?<\/strong><\/p>\n

Ekspertin fikrinc\u0259, ilk n\u00f6vb\u0259d\u0259 bu problem\u0259 sad\u0259c\u0259 validator nasazl\u0131\u011f\u0131 kimi baxmaq d\u00fczg\u00fcn olmaz. Burada s\u00f6hb\u0259t h\u0259m d\u0259 \u00f6d\u0259ni\u015f sisteminin etibarl\u0131l\u0131\u011f\u0131ndan v\u0259 s\u0259rni\u015finl\u0259rin ona olan inam\u0131ndan gedir:<\/p>\n

\u201cBakuBus\u201d, \u201cBak\u0131Kart\u201d, banklar v\u0259 \u00f6d\u0259ni\u015f sisteminin dig\u0259r i\u015ftirak\u00e7\u0131lar\u0131 problemi birlikd\u0259 ara\u015fd\u0131rmal\u0131d\u0131rlar. \u00c7\u00fcnki \u00f6d\u0259ni\u015fin b\u00fct\u00fcn m\u0259rh\u0259l\u0259l\u0259rin\u0259 yaln\u0131z bir qurum n\u0259zar\u0259t etm\u0259y\u0259 bil\u0259r. \u0130lk add\u0131m t\u0259krar \u00f6d\u0259ni\u015fl\u0259rin avtomatik m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259si olmal\u0131d\u0131r. M\u0259s\u0259l\u0259n, eyni bank kart\u0131 il\u0259 eyni avtobusda q\u0131sa m\u00fcdd\u0259t \u0259rzind\u0259 bir ne\u00e7\u0259 \u00f6d\u0259ni\u015f c\u0259hdi edilibs\u0259, sistem bu \u0259m\u0259liyyatlar\u0131 ayr\u0131ca yoxlamal\u0131d\u0131r. \u018fg\u0259r s\u0259rni\u015fin bir d\u0259f\u0259 s\u0259f\u0259r edib, lakin texniki x\u0259ta n\u0259tic\u0259sind\u0259 bir ne\u00e7\u0259 d\u0259f\u0259 pul tutulubsa, art\u0131q m\u0259bl\u0259\u011f avtomatik geri qaytar\u0131lmal\u0131d\u0131r.<\/p>\n

\u018flb\u0259tt\u0259, bir \u015f\u0259xsin eyni kartla ba\u015fqa s\u0259rni\u015finin d\u0259 gedi\u015fhaqq\u0131n\u0131 \u00f6d\u0259m\u0259si m\u00fcmk\u00fcnd\u00fcr. Buna g\u00f6r\u0259 sistem qanuni \u00e7oxsayl\u0131 \u00f6d\u0259ni\u015fl\u0259rl\u0259 texniki x\u0259talar\u0131 f\u0259rql\u0259ndirm\u0259lidir.<\/p>\n

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\u0130kinci add\u0131m vahid \u015fikay\u0259t mexanizminin yarad\u0131lmas\u0131d\u0131r. S\u0259rni\u015fin banka m\u00fcraci\u0259t etdikd\u0259 \u201cBakuBus-a gedin\u201d, BakuBus-a m\u00fcraci\u0259t etdikd\u0259 is\u0259 \u201cbank\u0131n\u0131za m\u00fcraci\u0259t edin\u201d cavab\u0131n\u0131 almamal\u0131d\u0131r. Bir m\u00fcraci\u0259t kifay\u0259t etm\u0259lidir. Bundan sonra m\u0259s\u0259l\u0259nin hans\u0131 qurum t\u0259r\u0259find\u0259n ara\u015fd\u0131r\u0131lmas\u0131 s\u0259rni\u015finin deyil, sistem i\u015ftirak\u00e7\u0131lar\u0131n\u0131n i\u015fi olmal\u0131d\u0131r.<\/p>\n

\u00dc\u00e7\u00fcnc\u00fc add\u0131m \u00f6d\u0259ni\u015f tarix\u00e7\u0259sinin \u015f\u0259ffafla\u015fd\u0131r\u0131lmas\u0131d\u0131r. S\u0259rni\u015fin mobil t\u0259tbiqd\u0259 hans\u0131 tarixd\u0259, hans\u0131 s\u0259f\u0259r \u00fc\u00e7\u00fcn n\u0259 q\u0259d\u0259r \u00f6d\u0259ni\u015f etdiyini v\u0259 \u0259m\u0259liyyat\u0131n yekun statusunu g\u00f6r\u0259 bilm\u0259lidir. \u018fg\u0259r pul sonradan tutulubsa, bunun hans\u0131 s\u0259f\u0259r\u0259 aid oldu\u011fu da ayd\u0131n g\u00f6st\u0259rilm\u0259lidir.<\/p>\n

D\u00f6rd\u00fcnc\u00fc add\u0131m is\u0259 avtomatik geri qaytarma sisteminin t\u0259tbiqidir. T\u0259sdiql\u0259nmi\u015f texniki x\u0259ta n\u0259tic\u0259sind\u0259 art\u0131q tutulmu\u015f m\u0259bl\u0259\u011f s\u0259rni\u015finin ayr\u0131ca m\u00fcraci\u0259ti olmadan geri qaytar\u0131lmal\u0131d\u0131r. Bunun \u00fc\u00e7\u00fcn, m\u0259s\u0259l\u0259n, 24-48 saatl\u0131q avtomatik yoxlama v\u0259 d\u00fcz\u0259li\u015f mexanizmi qurmaq olar\u201d.<\/p>\n

Ekspert son olaraq olaraq, \u00f6d\u0259ni\u015f sisteminin f\u0259aliyy\u0259tin\u0259 dair m\u00fct\u0259madi statistikan\u0131n a\u00e7\u0131qlanmal\u0131 oldu\u011funu vur\u011fulay\u0131b:<\/p>\n

\u201cAy \u0259rzind\u0259 ne\u00e7\u0259 bank kart\u0131 \u0259m\u0259liyyat\u0131 apar\u0131l\u0131b, ne\u00e7\u0259si u\u011fursuz olub, ne\u00e7\u0259 t\u0259krar tutulma t\u0259sdiql\u0259nib v\u0259 n\u0259 q\u0259d\u0259r v\u0259sait geri qaytar\u0131l\u0131b? Bu m\u0259lumatlar ictimaiyy\u0259t\u0259 t\u0259qdim edils\u0259 problemin real miqyas\u0131 ayd\u0131nla\u015far\u201d.<\/p>\n

Qeyd ed\u0259k ki, \u201cBakuBus\u201d MMC \u00d6lk\u0259.az-a verdiyi a\u00e7\u0131qlamada bank kartlar\u0131 vasit\u0259sil\u0259 h\u0259yata ke\u00e7iril\u0259n \u00f6d\u0259ni\u015f \u0259m\u0259liyyatlar\u0131n\u0131n emal\u0131, v\u0259saitl\u0259rin tutulmas\u0131 v\u0259 geri qaytar\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 m\u0259s\u0259l\u0259l\u0259rin \u201cMMC-nin s\u0259lahiyy\u0259tl\u0259rin\u0259 daxil olmad\u0131\u011f\u0131n\u0131 deyib, el\u0259c\u0259 d\u0259, s\u0259rni\u015finl\u0259rin kartdan istifad\u0259 zaman\u0131 onun fiziki v\u0259ziyy\u0259tin\u0259 v\u0259 validatora d\u00fczg\u00fcn yax\u0131nla\u015fd\u0131r\u0131lmas\u0131na diqq\u0259t etm\u0259l\u0259rini t\u00f6vsiy\u0259 edib.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

\u0130ctimai n\u0259qliyyatdan m\u00fcnt\u0259z\u0259m olaraq istifad\u0259 ed\u0259n paytaxt sakinl\u0259ri texniki probleml\u0259rl\u0259 \u00fczl\u0259\u015firl\u0259r. Bel\u0259 ki, s\u0259rni\u015finl\u0259r bank kart\u0131nda balans oldu\u011fu halda onu avtobusun validatoruna yax\u0131nla\u015fd\u0131rd\u0131qda \u201ckart oxunmur\u201d bildiri\u015fi il\u0259 qar\u015f\u0131la\u015f\u0131rlar v\u0259 ke\u00e7id u\u011fursuz olur. Onlar iddia edir ki, \u00f6d\u0259ni\u015f u\u011fursuz al\u0131nsa da, g\u00fcn\u00fcn sonunda hesabdan h\u0259min gedi\u015f \u00fc\u00e7\u00fcn \u00f6d\u0259nil\u0259n pullar silinir. \u0130lk bax\u0131\u015fda c\u0259mi 50-60 q\u0259piklik g\u00f6r\u00fcn\u0259n […]<\/p>\n","protected":false},"author":1,"featured_media":10154,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-10153","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cmiyyt"],"_links":{"self":[{"href":"https:\/\/idealxeber.az\/index.php?rest_route=\/wp\/v2\/posts\/10153","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/idealxeber.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/idealxeber.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/idealxeber.az\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/idealxeber.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10153"}],"version-history":[{"count":0,"href":"https:\/\/idealxeber.az\/index.php?rest_route=\/wp\/v2\/posts\/10153\/revisions"}],"wp:attachment":[{"href":"https:\/\/idealxeber.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10153"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/idealxeber.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10153"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/idealxeber.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10153"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}