Changes from report parliamentary committee draft to plenary report

Added(a) opening, holding, managing and closing one digital euro payment account;

Added(aa) providing front-end services;

Added(ab) regularly updating the ECB’s software for local storage devices;

Added(ac) switching of payment service provider that provides digital euro payment services in accordance with Article 31(1);

Added(b) possibility to consult balances and online transactions records,

Added(c) providing functionality to manually fund and defund ▌ from or into a non-digital euro payment account;

Added(ca) providing functionality to manually fund and defund from or to a local storage device into a digital euro payment account;

Added(cb) providing functionality to automatically fund and defund digital euro payment accounts from or to a non-digital euro payment account, if the digital euro payment account and the non-digital euro payment account are provided by the same payment service provider;

Added(cc) providing functionality to automatically defund digital euro payment accounts referred to in Article 13(4)(a), from or to a non-digital euro payment account, if the digital euro payment account and the non-digital euro payment account are provided by different payment service providers;

Added(d) ▌

Added(e) providing the possibility to initiate or receive digital euro payment transactions, ▌including standing orders and pre-authorisation services for digital euro payment transactions ▌:

Added(f) ▌

Added(g) providing, upon request of the user, at least one physical payment instrument, such as a payment card, for the execution of digital euro payment transactions which should allow for the initiation and reception of digital euro payment transactions;

Added(ga) providing, maintaining and life-cycle managing one local storage devices including provisioning, secure distribution, updates to the software controlling the secure element in compliance with the technical and security standards set or certified by the European Central Bank;

Added(gb) providing dispute settlement services on technical and fraud-related disputes as referred to in Articles 27 and 32;

Added(gc) providing pre-dispute settlement services as referred to in Article 27;

Added(gd) providing inclusiveness support in accordance with Articles 14 and 22.

AddedMandatory digital euro acquiring services shall consist of:

Added(a) opening and closing of digital euro payment accounts;

Addedaa) holding and managing digital euro payment accounts, including the possibility to consult balances and transactions;

Added(b) defunding functionalities operations as referred to in Article 13(2) and (4);

Added(c) enabling the reception of online and offline digital euro payment transactions, and pre-authorisation service for online digital euro payment transactions;

Added(d) providing the possibility to initiate refund transactions;

Added(e) providing pre-dispute settlement services as referred to in Article 27;

Added(f) providing dispute settlement services on technical and fraud-related disputes as referred to in Article 27.

Added1. For the purpose of point (a) of Article 34(1), processing shall be limited to:

Added(i) the user identifier;

Added(ii) the user authentication;

Added(iii) information on digital euro payment accounts; including information on digital euro holdings of the digital euro user and the unique digital euro payment account number; and

Added(iv) information on online digital euro payment transactions, including the transaction identifier and the transaction amount.

Added2. For the purpose of point (b) of Article 34(1), processing shall be limited to:

Added(i) the user identifier;

Added(ii) the user authentication;

Added(iii) information on digital euro payment accounts, including the unique digital euro payment account number; and

Added(iv) information of non-digital euro payment accounts, including the account number of the linked non-digital euro payment account.

Added3. For the purpose of point (c) of Article 34(1), processing shall be limited to:

Added(i) the user identifier; including the name of the local storage device holders; and

Added(ii) information on the local storage device, including the identifier of the local storage device.

AddedANNEX IV Personal data processed by the European Central Bank and national central banks

Added1. For the purposes of point (a) Article 35(1), processing shall be limited to:

Added(i) information on digital euro payment accounts, including the unique digital euro payment account number; and

Added(ii) information on online digital euro payment transactions;.

Added(iii) information linked to a unique digital euro payment account number, including the transaction amount.

Added1a. For the purposes of point (aa) Article 35(1), processing shall be limited to:

Added(i) the user identifier;

Added(ii) the user authentication;

Added(iii) information on the unique digital euro payment account number.

Added2. For the purpose of point (b) of Article 35(1), processing shall be limited to:

Added(i) the user alias;

Added(ii) the user authentication;

Added(iii) the reference to digital euro holdings to debit; and

Added(iv) the reference to digital euro holdings to credit.

Added3. For the purpose of point (c) of Article 35(1), processing shall be limited to the data required for counterfeit analysis of digital euro payment transactions:

Added(i) information on the local storage device, including the local storage device number.

Added4. For the purposes of points (d) and (e) of Article 35(1), and the single access point referred to in Article 35(8), processing shall be limited to:

Added(i) the user identifier;

Added(ii) the user authentication, related to user’s existing digital euro holdings; and

Added(iii) information on digital euro payment accounts, including the unique digital euro payment account number, digital euro holdings of the user, the holding limit selected by the user and the type of digital euro account.

AddedFor the purposes of point (a) of Article 36(1), processing shall be limited to the data required for the prevention and detection of fraud across payment service providers:

Added(i) information on digital euro payment accounts, including the unique digital euro account identifier;