摘要：AbstractThe paper describes the issue of electronic welfare benefits payment card. This new noncommercial-banking product was meant to be a new tool of effectiveness in the social benefit system in the Czech Republic. The goal was effectiveness in costs, transaction time reduction and directness. However the implementation scheme turned out to be defective from design. At first the paper describes a new system of welfare benefit payment where the commercial bank is implemented as a service provider. Then the main implementation issues such the provider contract, the obligatory duty of card usage, the range of services, possible personal data misuse are described. The problem got as far as payment system provider Česká spořitelna starts to assess if the project is interesting anymore. At the end the paper assesses the current project progress and the future.
