{"id":65766,"date":"2025-03-21T22:28:45","date_gmt":"2025-03-21T13:28:45","guid":{"rendered":"https:\/\/monolith.law\/cs\/?p=65766"},"modified":"2025-04-13T14:48:27","modified_gmt":"2025-04-13T05:48:27","slug":"payment-services-act-mobile-games-application","status":"publish","type":"post","link":"https:\/\/monolith.law\/cs\/general-corporate\/payment-services-act-mobile-games-application","title":{"rendered":"Pou\u017eit\u00ed z\u00e1kona o platebn\u00edch slu\u017eb\u00e1ch v mobiln\u00edch hr\u00e1ch a praktick\u00e1 opat\u0159en\u00ed"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Pr\u00e1vn\u00ed povinnosti a konkr\u00e9tn\u00ed postupy pro podnikatele<\/h2>\n\n\n\n<p>Pokud se hern\u00ed m\u011bna nebo p\u0159edm\u011bty ve h\u0159e pova\u017euj\u00ed za p\u0159edplacen\u00e9 platebn\u00ed prost\u0159edky podle japonsk\u00e9ho z\u00e1kona o platebn\u00edch slu\u017eb\u00e1ch, podnikatel\u00e9 maj\u00ed d\u016fle\u017eit\u00e9 pr\u00e1vn\u00ed povinnosti. <br>Pokud nevyu\u017eit\u00fd z\u016fstatek vydan\u00fdch p\u0159edplacen\u00fdch platebn\u00edch prost\u0159edk\u016f p\u0159ekro\u010d\u00ed stanovenou \u010d\u00e1stku (aktu\u00e1ln\u011b 10 milion\u016f jen\u016f), je nutn\u00e9 do dvou m\u011bs\u00edc\u016f od zji\u0161t\u011bn\u00ed t\u00e9to skute\u010dnosti k referen\u010dn\u00edmu dni (ka\u017ed\u00fd rok k 31. b\u0159eznu a 30. z\u00e1\u0159\u00ed) p\u0159edlo\u017eit p\u0159\u00edslu\u0161n\u00e9mu \u0159editeli finan\u010dn\u00edho \u00fa\u0159adu ozn\u00e1men\u00ed o vyd\u00e1n\u00ed a p\u0159ilo\u017een\u00e9 dokumenty ve stanoven\u00e9m form\u00e1tu (\u010dl\u00e1nek 5, odstavec 1 a 2 japonsk\u00e9ho z\u00e1kona o platebn\u00edch slu\u017eb\u00e1ch). <br>Tato povinnost ozn\u00e1men\u00ed m\u00e1 charakter zpr\u00e1vy dozorov\u00e9mu org\u00e1nu, pokud podnik dos\u00e1hne ur\u010dit\u00e9 velikosti.<\/p>\n\n\n\n<p>Nav\u00edc, pokud nevyu\u017eit\u00fd z\u016fstatek k referen\u010dn\u00edmu dni p\u0159ekro\u010d\u00ed stanovenou \u010d\u00e1stku, je po\u017eadov\u00e1no zabezpe\u010dit \u010d\u00e1stku ve v\u00fd\u0161i alespo\u0148 poloviny tohoto nevyu\u017eit\u00e9ho z\u016fstatku prost\u0159ednictv\u00edm slo\u017een\u00ed do depozita u depozitn\u00edho \u00fa\u0159adu, kter\u00fd m\u00e1 na starosti hlavn\u00ed provozovnu nebo kancel\u00e1\u0159 (\u010dl\u00e1nek 14, odstavec 1 japonsk\u00e9ho z\u00e1kona o platebn\u00edch slu\u017eb\u00e1ch, vyhl\u00e1\u0161ka k proveden\u00ed t\u00e9ho\u017e z\u00e1kona, \u010dl\u00e1nek 6). <br>Tato povinnost slo\u017een\u00ed do depozita je zavedena jako syst\u00e9m na ochranu u\u017eivatel\u016f, aby byla zachov\u00e1na hodnota nevyu\u017eit\u00fdch prost\u0159edk\u016f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">P\u0159edplacen\u00e9 platebn\u00ed prost\u0159edky v hern\u00edm pr\u016fmyslu<\/h2>\n\n\n\n<p>Za d\u016fle\u017eitost t\u011bchto pr\u00e1vn\u00edch regulac\u00ed stoj\u00ed specifick\u00fd obchodn\u00ed model mobiln\u00edho hern\u00edho pr\u016fmyslu.<br>V posledn\u00edch letech se v tomto odv\u011btv\u00ed stal hlavn\u00edm modelem poskytov\u00e1n\u00ed samotn\u00e9 hry zdarma, p\u0159i\u010dem\u017e jako zdroj p\u0159\u00edjm\u016f se vyu\u017e\u00edv\u00e1 syst\u00e9m mikrotransakc\u00ed ve h\u0159e.<br>V tomto modelu si hr\u00e1\u010di mohou zakoupit hern\u00ed m\u011bnu, jako jsou krystaly, drahokamy nebo orby, za skute\u010dn\u00e9 pen\u00edze a tuto m\u011bnu pak pou\u017e\u00edt k z\u00edsk\u00e1n\u00ed postav nebo p\u0159edm\u011bt\u016f prost\u0159ednictv\u00edm gacha syst\u00e9mu, nebo k n\u00e1kupu r\u016fzn\u00fdch p\u0159edm\u011bt\u016f, kter\u00e9 lze pou\u017e\u00edt ve h\u0159e.<\/p>\n\n\n\n<p>P\u0159i implementaci takov\u00e9ho syst\u00e9mu mikrotransakc\u00ed ve h\u0159e je nutn\u00e9 pe\u010dliv\u011b zv\u00e1\u017eit, zda hern\u00ed m\u011bna, kterou poskytujete, a p\u0159edm\u011bty, kter\u00e9 lze za ni zakoupit, spadaj\u00ed pod &#8220;p\u0159edplacen\u00e9 platebn\u00ed prost\u0159edky&#8221; podle japonsk\u00e9ho z\u00e1kona o vypo\u0159\u00e1d\u00e1n\u00ed fond\u016f (Z\u00e1kon o vypo\u0159\u00e1d\u00e1n\u00ed fond\u016f z roku 2009).<br>Pokud tomu tak je, je nutn\u00e9 zajistit vhodn\u00e9 postupy a syst\u00e9my \u0159\u00edzen\u00ed v souladu s pr\u00e1vn\u00edmi p\u0159edpisy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">D\u016fle\u017eitost posouzen\u00ed p\u0159edplacen\u00fdch platebn\u00edch prost\u0159edk\u016f<\/h2>\n\n\n\n<p>Japonsk\u00fd z\u00e1kon o vypo\u0159\u00e1d\u00e1n\u00ed fond\u016f definuje p\u0159edplacen\u00e9 platebn\u00ed prost\u0159edky na z\u00e1klad\u011b jasn\u00fdch po\u017eadavk\u016f.<br>Za prv\u00e9, je vy\u017eadov\u00e1no, aby byla uvedena nebo zaznamen\u00e1na \u010d\u00e1stka nebo mno\u017estv\u00ed zbo\u017e\u00ed a slu\u017eeb.<br>Toto je po\u017eadavek na uchov\u00e1n\u00ed hodnoty.<br>Za druh\u00e9, je nutn\u00e9, aby byly vyd\u00e1ny za protihodnotu odpov\u00eddaj\u00edc\u00ed zaznamenan\u00e9 \u010d\u00e1stce nebo mno\u017estv\u00ed.<br>Toto tvo\u0159\u00ed po\u017eadavek na protihodnotu.<br>Za t\u0159et\u00ed, je po\u017eadov\u00e1no, aby zaznamenan\u00e1 hodnota mohla b\u00fdt pou\u017eita k platb\u011b nebo vyu\u017eit\u00ed slu\u017eeb.<br>Toto je po\u017eadavek na uplatn\u011bn\u00ed pr\u00e1v.<\/p>\n\n\n\n<p>Obvykle hern\u00ed m\u011bny spl\u0148uj\u00ed v\u0161echny po\u017eadavky na p\u0159edplacen\u00e9 platebn\u00ed prost\u0159edky, proto\u017ee jejich mno\u017estv\u00ed je elektronicky zaznamen\u00e1no, jsou vyd\u00e1v\u00e1ny za pen\u00edze odpov\u00eddaj\u00edc\u00ed mno\u017estv\u00ed a mohou b\u00fdt pou\u017eity k n\u00e1kupu r\u016fzn\u00fdch slu\u017eeb a p\u0159edm\u011bt\u016f ve h\u0159e.<br>Z tohoto d\u016fvodu se mnoho hern\u00edch m\u011bn pova\u017euje za p\u0159edplacen\u00e9 platebn\u00ed prost\u0159edky.<\/p>\n\n\n\n<p>Na druhou stranu, pokud se hern\u00ed p\u0159edm\u011bty prod\u00e1vaj\u00ed p\u0159\u00edmo za pen\u00edze, pak se tyto p\u0159edm\u011bty nepova\u017euj\u00ed za p\u0159edplacen\u00e9 platebn\u00ed prost\u0159edky, pokud nespl\u0148uj\u00ed v\u00fd\u0161e uveden\u00e9 t\u0159i po\u017eadavky.<br>Nav\u00edc, jako d\u016fle\u017eit\u00e1 v\u00fdjimka podle z\u00e1kona, pokud je doba pou\u017eit\u00ed omezena na 6 m\u011bs\u00edc\u016f, jsou tyto prost\u0159edky vylou\u010deny z kategorie p\u0159edplacen\u00fdch platebn\u00edch prost\u0159edk\u016f, i kdy\u017e spl\u0148uj\u00ed v\u00fd\u0161e uveden\u00e9 po\u017eadavky (\u010dl\u00e1nek 4, bod 1 japonsk\u00e9ho z\u00e1kona o vypo\u0159\u00e1d\u00e1n\u00ed fond\u016f, odstavec 2 vyhl\u00e1\u0161ky k proveden\u00ed t\u00e9ho\u017e z\u00e1kona).<br>Toto vylou\u010den\u00ed bylo zavedeno s c\u00edlem sn\u00ed\u017eit regula\u010dn\u00ed z\u00e1t\u011b\u017e pro p\u0159edplacen\u00e9 platebn\u00ed prost\u0159edky ur\u010den\u00e9 k kr\u00e1tkodob\u00e9mu pou\u017eit\u00ed.<\/p>\n\n\n\n<p>P\u0159i navrhov\u00e1n\u00ed hern\u00edch platebn\u00edch syst\u00e9m\u016f je d\u016fle\u017eit\u00e9 d\u016fkladn\u011b zv\u00e1\u017eit, zda funkce a mechanismy, kter\u00e9 poskytujete, spadaj\u00ed pod regulaci japonsk\u00e9ho z\u00e1kona o vypo\u0159\u00e1d\u00e1n\u00ed fond\u016f, a pokud ano, prov\u00e9st pot\u0159ebn\u00e9 pr\u00e1vn\u00ed kroky.<br>T\u00edmto zp\u016fsobem lze dos\u00e1hnout rovnov\u00e1hy mezi stabiln\u00edm poskytov\u00e1n\u00edm slu\u017eeb a ochranou u\u017eivatel\u016f, co\u017e umo\u017e\u0148uje vytvo\u0159en\u00ed udr\u017eiteln\u00e9ho obchodn\u00edho modelu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pr\u00e1vn\u00ed povinnosti a konkr\u00e9tn\u00ed postupy pro podnikatele Pokud se hern\u00ed m\u011bna nebo p\u0159edm\u011bty ve h\u0159e pova\u017euj\u00ed za p\u0159edplacen\u00e9 platebn\u00ed prost\u0159edky podle japonsk\u00e9ho z\u00e1kona o platebn\u00edch slu\u017eb\u00e1ch, podnikatel\u00e9 ma [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":65877,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[25,24],"acf":[],"_links":{"self":[{"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/posts\/65766"}],"collection":[{"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/comments?post=65766"}],"version-history":[{"count":1,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/posts\/65766\/revisions"}],"predecessor-version":[{"id":65811,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/posts\/65766\/revisions\/65811"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/media\/65877"}],"wp:attachment":[{"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/media?parent=65766"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/categories?post=65766"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/tags?post=65766"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}