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This is possible because the bank account number and routing code of the giro account form part of every Girocard's card number PAN , similar to early s 19 digit Switch card numbers.

Direct debits are practically free for the retailer, allowing them to save the Girocard interchange fees approx. Therefore, they are used usually for returning customers that have already had successful Girocard PIN-verified transactions at the same store or are purchasing low-risk or small-ticket items.

To prevent abuse, account holders must watch their bank statements and ask their bank to return unauthorised or wrong debit notes.

As fraudulent direct debit instructions are easily traced, abuse is rare. However, there can be issues when the amount billed and collected is incorrect or unexpectedly large.

There have also been cases of fraudulent direct debit where the defrauders tried to collect very small individual sums from large numbers of accounts, in the hope that most account holders would be slow to raise an issue about such small sums, giving the defrauders enough time to withdraw the collected money and disappear.

The Abbuchungsauftrag "posting off" requires the customer to instruct his or her bank to honour debit notes from the organisation.

Direct debits made with this method are verified by the customer's bank and therefore can not be returned. As it is less convenient, it is rarely used, usually only in business-to-business relationships.

In the Netherlands , as in Germany, an account holder can authorize a company to collect direct debit payments, without notifying the bank.

A transaction can be ongoing, or one time only. For both types collecting organizations must enter into a direct debit automatische incasso contract with their bank.

For each transaction the name and account number of the account holder must be provided. The collecting organisation can then collect from any account, provided there is enough money in the account and no block is set against direct debit from the collecting organisation.

Transactions can be contested, depending on the type of transaction, time since the transaction and the basis of dispute.

Authorized transactions of the ongoing type can be recalled directly via the bank of the account holder within the 56 days 8 weeks since the transaction, with the exception of transactions relating to games of chance and perishables.

Authorized one-time only transactions can be recalled via the bank within 5 days. Unauthorized transactions can be contested via the bank within a limited time period after the transaction.

Another security measure is a "selective block" whereby the customer can instruct the bank to disallow direct debits to a specified account number.

Blanket blocks are also available. In Poland , direct debit is operated by KIR Krajowa Izba Rozliczeniowa and participating banks as one of the functionalities of the Elixir [28] clearing system.

The payer has to authorize the payee by filling, signing and submitting a standardized paper form in two copies. One copy, after filling in payee details and a customer identification number, is sent by the payee to the payer's bank, which verifies the signature.

From now on, the payee may debit the payer's account. Since 24 Oct it is also possible to submit such authorization through the payer's bank, often also online.

In case of cancelling a transaction, funds are immediately returned to the payer's account. Interest is also adjusted as if the transaction never happened.

Collecting fees through direct debit is supported mostly by companies such as telecom, insurance and utility companies and banks themselves but it is not widely used by consumers because of the bureaucracy involved in setting direct debits up.

Direct debit instructions can be given in writing, by telephone or online. There are protections for the holder of the account being debited in the event of a dispute.

Direct debit is preferred payment method for recurring household payments in Denmark. Direct debit is a very common payment option in Japan.

When signing up for a service, such as telephone, a customer is usually asked to enter their bank details on the service submission form, to set up for automatic payments, and the company they are signing up to will take care of the rest.

Sometimes, but not always, the customer is offered the possibility to enter credit card details instead of bank account details, to have the money directly debited from credit card instead of bank account.

FPX supports online direct debit as well as batch direct debit. It opens new doors for e-commerce in Malaysia, in particular business to business B2B and business to commerce B2C payments.

FPX allow customers to make payment at e-market places such as websites and online stores as well as for corporations to collect bulk payment from their customers.

It leverages on the Internet banking services of participating banks and provides fast, secure, reliable, real-time online payment processing.

FPX provides a complete end-to-end business transaction, resourceful payment records, simplified reconciliation and reduced risks as fund movements are between established financial institutions.

An account holder can authorise a company to collect direct debit payments, without notifying the bank, but direct debit is not available on all financial accounts.

A common example of direct debit is authorising a credit card company to debit a bank account for the monthly balance.

Many smaller companies do not have direct debit facilities themselves, and a third-party payment service must be used to interface between the biller and the customer's bank.

Direct credit and debit instructions are only available to institutional customers. Direct credit instructions are used for payrolls and other large scale regular payments.

Direct debit instructions are used by insurance companies, utilities and other large organisations which receive regular payments.

Although governed by APCA rules, the actual exchanges of instructions occur through bilateral exchanges. There is no central "clearinghouse" for bulk direct entry payment instructions.

An account holder can authorise a company to collect direct debit payments. The client signs a debit mandate form giving the requesting company permission to debit their account with a fixed or variable monthly value.

This value can be recurring or once-off. This is an effective, safe [ citation needed ] and more cost effective alternative to receiving money in cash, by cheque or EFT Electronic Funds Transfer.

This payment stream will be implemented from September early and aims to replace the current NAEDO payment stream.

The purpose of AC is to reduce customer disputes and abuse of the debit order system. The AC payment stream will be known to consumers as DebiCheck.

In Sweden, direct debit is available, called Autogiro. The amount is withdrawn from the payer's account on the payee's request without specification.

The request is normally sent through a form from the payer to the payee, but in the internet bank it is also possible to request it.

Autogiro should not be confused with the electronic billing system E-faktura although some banks let the payer instruct the bank to automatically pay received electronic bills on their due date without the customer having to log in to the internet bank and authorize the payment.

The setup of a direct debit is by signed authority to the bank. Depending on the proposition of the bank, the direct debit is claimed and may or may not require authorisation.

Some banks allow a limit to be put in place for automatic approval. In Turkey , direct debits are widely used, for utility and credit card payments, as well as commercial transactions.

The usage differs from standing orders, as payment amounts are not fixed and payments need not be periodical i. From Wikipedia, the free encyclopedia.

Retrieved Payments UK. Retrieved 8 September Business Money. Archived from the original on Archived from the original on 21 December Retrieved 29 May An additional goal was to maintain US ability to launch crews to space with as short a gap as possible after the planned retirement of Shuttle.

Additional performance for carrying payloads to Low Earth Orbit would be provided by upgrading the main engines with Regenerative Cooling Nozzles to improve their efficiency.

The v1. Griffin , and a wide range of industry, political and advocacy groups involved in the Constellation program. Stanley produced official specifications from Rocketdyne about the RS Regen upgrades as evidence for his point.

According to the proposal, the single-stage Jupiter could achieve low Earth orbit with two standard ablative RS engines, while an extra RS was required on the core stage of the heavier two-stage Jupiter According to the group, this paper was created within a nine-month study.

The paper provided detail on how the launch vehicles would be one component of a wider-reaching architecture for enabling the US to maintain the International Space Station ISS , fly lunar missions, and provide additional capabilities for the NASA human spaceflight program.

These capabilities included missions to Mars, Lagrangian point staging architecture options, and mission architectures for visiting Near-Earth object destinations.

The concept also overshoots the requirements for early missions to the International Space Station in the coming decade. These shortcomings would necessitate rushed development of a more expensive launch system with too little capability in the long run, and would actually increase the gap between space shuttle retirement and development of a new vehicle.

Even more importantly, the Ares approach offers a much greater margin of crew safety - paramount to every mission NASA puts into space.

Bolden, Jr. According to the DIRECT team, many NASA engineers and managers supported the concept and completed a cost analysis comparison with NASA's current Constellation program and a detailed series of evaluations for supporting facilities such as data on the existing manufacturing facilities for the External Tank at the Michoud Assembly Facility and the various launch-processing facilities currently at the Kennedy Space Center.

DIRECT proposed to re-use nearly all of the existing facilities with minimal modifications in contrast to the Ares I and Ares V rockets which would have required extensive modifications and replacements over existing facilities.

One of the strongest programmatic criticisms with the Ares I and Ares V architecture was the high cost for both developing two new launchers and for operating two concurrent programs.

The schedule for Ares I incurred several delays since the inception of the new lunar program. Engineers were concerned about thrust oscillation and Orion-Ares I integration.

The combined test results from the Ares I-X launch and the Ares I static test firing indicated that thrust oscillation was not a critical issue, according to program engineers.

DIRECT contended that the requirement to develop 5-segment SRBs and the J-2X upper stage engine for Ares I in order to fly the first Orion was directly responsible for the delays in schedule and the comparatively high development costs.

Only moderate modifications would be required at Kennedy Space Center to enable launches. DIRECT's proposal for a single launch vehicle were intended to remove the program risks associated with the possible cancellation of the Ares V launcher due to budgetary constraints.

DIRECT also claimed that money would be saved by avoiding a parallel development of the Ares V booster, since the Jupiter family would represent a single rocket family program.

The group suggested that the money saved on Ares V be reused to speed development work of such other elements as the Orion , the Jupiter, launch facility modifications and all associated systems.

Advocates said the DIRECT proposal would allow NASA to provide sufficient money to continue funding programs beyond launch vehicle development and operation, including extending its participation in the International Space Station , which was scheduled to end in as of Minimal upper stage mass is desirable so that the stage may propel the Orion and Altair spacecraft out of Earth orbit, but the JUS would need to be large enough to carry enough propellant to both achieve low Earth Orbit and to serve as the Earth departure stage.

While claiming a design heritage from the Centaur series of upper stages, DIRECT specifically cited new materials, new welding techniques, and a common bulkhead separating the Liquid Oxygen and Liquid Hydrogen tanks as sufficient to account for the low stage mass.

The Jupiter rocket would fulfill the requirements of the Design Reference Mission with only a very narrow shortfall in payload to LEO, while fulfilling the volume requirements.

The Jupiter rockets would be shorter in height than the Ares V, permitting very long payload fairings and thus greater total internal volume than possible with the taller Ares V, which would quickly encounter restraints due to height limitations within the Vehicle Assembly Building at Kennedy Space Center.

From Wikipedia, the free encyclopedia. This article is about the rocket architecture and proposal. For other uses, see Direct disambiguation.

Main article: Jupiter rocket family. Smithsonian Institution. September 29, Retrieved New York Times. Archived from the original on Archived from the original on May 18, Orlando Sentinel.

Book 1: Structures and core vehicle". Part 1: Avionics and systems". Book 2, part 2: Propulsion". AIAA Houston. The Huntsville Times. June 29, Archived from the original on July 8,

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DIRECT's proposal for a single launch vehicle were intended to remove the program risks associated with the possible cancellation of the Ares V launcher due to budgetary constraints.

DIRECT also claimed that money would be saved by avoiding a parallel development of the Ares V booster, since the Jupiter family would represent a single rocket family program.

The group suggested that the money saved on Ares V be reused to speed development work of such other elements as the Orion , the Jupiter, launch facility modifications and all associated systems.

Advocates said the DIRECT proposal would allow NASA to provide sufficient money to continue funding programs beyond launch vehicle development and operation, including extending its participation in the International Space Station , which was scheduled to end in as of Minimal upper stage mass is desirable so that the stage may propel the Orion and Altair spacecraft out of Earth orbit, but the JUS would need to be large enough to carry enough propellant to both achieve low Earth Orbit and to serve as the Earth departure stage.

While claiming a design heritage from the Centaur series of upper stages, DIRECT specifically cited new materials, new welding techniques, and a common bulkhead separating the Liquid Oxygen and Liquid Hydrogen tanks as sufficient to account for the low stage mass.

The Jupiter rocket would fulfill the requirements of the Design Reference Mission with only a very narrow shortfall in payload to LEO, while fulfilling the volume requirements.

The Jupiter rockets would be shorter in height than the Ares V, permitting very long payload fairings and thus greater total internal volume than possible with the taller Ares V, which would quickly encounter restraints due to height limitations within the Vehicle Assembly Building at Kennedy Space Center.

From Wikipedia, the free encyclopedia. This article is about the rocket architecture and proposal.

For other uses, see Direct disambiguation. Main article: Jupiter rocket family. Smithsonian Institution. September 29, Retrieved New York Times.

Archived from the original on Archived from the original on May 18, Orlando Sentinel. Book 1: Structures and core vehicle". Part 1: Avionics and systems".

Book 2, part 2: Propulsion". AIAA Houston. The Huntsville Times. June 29, Archived from the original on July 8, NASA Spaceflight.

May 18, Office of Science and Technology Policy. May 7, Human Space Flight Plans Committee". The high earnings put comdirect in a position to invest in growth straight from current business while still ensuring a strong annual net profit.

Measured against return on equity, comdirect also aims to remain one of the most profitable retail banks in Germany in The key driver of our earnings growth is the ever more active use of our services by investors and traders.

In previous years, comdirect has managed to exceed the growth on the stock markets. At Musterdepot B2B Login. Key Figures. Annual General Meeting.

Corporate Governance. Financial Calender. Adverb It costs less if you buy it direct from the manufacturer. Recent Examples on the Web: Verb The app should also direct you to a dealership making repairs.

Lawrence, Detroit Free Press , "Vehicle recall information sent right to your phone? Experts are skeptical.

Here's how to nominate a family," 11 Aug. First Known Use of direct Verb 14th century, in the meaning defined at transitive sense 4d Adjective 15th century, in the meaning defined at sense 6 Adverb 14th century, in the meaning defined above.

History and Etymology for direct Verb and Adverb Middle English, from Anglo-French directer , from Latin directus straight, from past participle of dirigere to direct — more at dress Adjective Middle English, from Latin directus — see direct entry 1.

Learn More about direct. Time Traveler for direct The first known use of direct was in the 14th century See more words from the same century. Dictionary Entries near direct dird dirdum dire direct directable direct-acting direct action See More Nearby Entries.

Phrases Related to direct direct debit. More Definitions for direct. Other Words from direct directness noun. Other Words from direct directly adverb.

Comments on direct What made you want to look up direct? Get Word of the Day daily email! Test Your Vocabulary. Love words? Need even more definitions?

Ask the Editors 'Intensive purposes': An Eggcorn We're intent on clearing it up 'Nip it in the butt': An Eggcorn We're gonna stop you right there Literally How to use a word that literally drives some people nuts.

The awkward case of 'his or her'.

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