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<!DOCTYPE html>
<html>
  <head>
    <meta charset="utf-8">
    <title>GNU Taler - Taxable Anonymous Libre Electronic Reserves: Citizens</title>
    <meta name="description" content="">
      <!--# include file="common/header.inc" -->
  </head>
  <body class="en" onLoad="loadLang();">
    <div class="container">
      <!--# include file="common/navigation.inc" -->
      <!-- Jumbotron -->
      <div class="jumbotron">
        <h1 lang="en">Advantages for citizens</h1>
        <h1 lang="de">Vorteile f&uuml;r B&uuml;rger</h1>
        <h1 lang="fr">Avantages pour les citoyens</h1>
        <h1 lang="it">Vantaggi per i cittadini</h1>
        <!-- p><a class="btn btn-lg btn-success" href="#" role="button">Get started today</a></p -->
      </div>

      <!-- Example row of columns -->
      <div class="row">
        <div class="col-lg-6">
          <h2 lang="en">Security</h2>
	  <h2 lang="de">Sicherheit</h2>
	  <h2 lang="fr">Sécurité</h2>
	  <h2 lang="it">Sicurezza</h2>
          <p lang="en">Taler is the electronic equivalent of cash, except harder to fake.
             If your digital wallet is lost -- say because
             your computer is irreparably damaged or compromised -- only the amount of coin
             stored in your wallet will be lost. Unlike a physical wallet, you can make
             backups of your digital wallet which can provide security against data loss.
             So your digital wallet works mostly just like
             a physical wallet, except online and without the need to manually count coins.</p>
	  <p lang="de">Taler ist das elektronische &Auml;quivalent zu f&auml;lschungssicherem
	     Bargeld. Beim Verlust der digitalen Geldb&ouml;rse, sei es durch
	     Sch&auml;den am Rechner oder durch einen gezielten Angriff, geht nur genau der
	     Betrag verloren, der sich in der Geldb&ouml;rse befand. Allerdings ist die digitale
	     Ausgabe einer Geldb&ouml;rse ungleich einfacher gegen Verlust zu sichern, indem
	     regelm&auml;&szlig;ig ein Backup angefertigt wird. Zusammengefasst
	     bedeutet das, dass die digitale Geldb&ouml;rse nahezu wie ihr
	     aus dem Alltag bekannter Bruder funktioniert, au&szlig;er dass sie
	     sich online befindet und dass das l&auml;stige M&uuml;nzenz&auml;hlen
	     bis auf Weiteres entf&auml;llt.</p>
	  <p lang="fr">Taler est l’équivalent  électronique de la monnaie, sauf
	     qu’il est plus difficile de le falsifier. Si vous  perdez votre
	     portefeuille électronique -- parce que votre ordinateur est
	     totalement HS ou en panne -- seul le  montant de la monnaie stockée
	     dans votre portefeuille sera perdu. Contrairement  à un portefeuille
	     classique, vous pouvez faire des mises à jour de votre  portefeuille
             numérique qui sécurise contre la perte de données. Donc votre
             portefeuille numérique fonctionne comme un portefeuille classique, mais en
             ligne et sans avoir à compter manuellement votre monnaie. </p>
          <p lang="it">Taler è l'equivalente elettronico dei contanti, tranne per il fatto
             che è più difficile da falsificare. Se il tuo portafoglio digitale va perso
             (ad esempio, perché il tuo computer è stato danneggiato irreparabilmente o
             compromesso), solo l'ammontare di denaro contenuto in esso andrà perduto a sua
             volta. A differenza di un portafoglio reale, è possibile fare un backup di
             quello digitale, così da garantire sicurezza contro la perdita dei dati. Quindi
             il tuo portafoglio digitale funziona per lo più come quello reale, eccetto il
             fatto che sia online ed eviti di contare manualmente le monete.</p>
        </div>
        <div class="col-lg-6">
          <h2 lang="en">Privacy</h2>
          <h2 lang="de">Privatsph&auml;re</h2>
	  <h2 lang="fr">Confidentialité</h2>
	  <h2 lang="it">Privacy</h2>
          <p lang="en">Your transactions are private, neither the mint (bank) nor merchant needs to
             learn your identity. There is no need to give our credit card numbers or
             other sensitive information, and the merchant will only be able to do
             exactly the transaction you confirmed using your digital wallet.</p>
	  <p lang="de">Von Ihnen durchgef&uuml;hrte Transaktionen sind generell
	     privat, weder die M&uuml;nzanstalt noch der H&auml;ndler kennt
	     Ihre Identit&auml;t. Weder Kreditkartennummern, noch andere
	     sensitive Informationen m&uuml;ssen herausgegeben werden, und der
	     H&auml;ndler ist in der Lage, einzig von Ihnen best&auml;tigte
	     Transaktionen durchzuf&uuml;hren.</p>
	  <p lang="fr">Vos transactions sont privées, ni la banque, ni les
	     commerçants n'ont besoin de connaitre votre identité. Vous n'avez pas
	     besoin de communiquer votre numéro de carte de crédit ou tout autre
	     information sensible, et le commerçant ne pourra qu'effectuer la
	     transaction que vous aurez confirmée en utilisant votre portefeuille
	     numérique.</p>
	  <p lang="it">Le tue transazioni sono private, né la mint (banca), né il venditore
	     hanno bisogno di conoscere la tua identità. Non c'è necessità di rivelare il
	     numero di carta di credito o altre informazioni riservate, e il venditore sarà
	     solo in grado di fare l'esatta transazione che tu hai confermato usando il tuo
	     portafoglio digitale.</p>
        </div>
      </div>
      <div class="row">
        <div class="col-lg-6">
          <h2 lang="en">Convenience</h2>
          <h2 lang="de">Bequeme Einrichtung</h2>
          <h2 lang="fr">Avantage</h2>
          <h2 lang="it">Convenienza</h2>
          <p lang="en">You will be able to withdraw digital coins to replenish your wallet using
             your credit card or SEPA transactions, similar to how you pay or withdraw
             cash today.</p>
	  <p lang="de">Um Geld in Ihre digitale Geldb&ouml;rse zu transferieren
	     verwenden Sie wie gewohnt entweder Ihre Kreditkarte oder alternativ
	     eine SEPA-&Uuml;berweisung.</p>
	  <p lang="fr">Vous pourrez retirer de la monnaie numérique pour
	     recharger votre portefeuille en utilisant votre carte de crédit ou des
	     transactions SEPA, de la même manière que vous payez ou retirer du
	     liquide aujourd'hui.</p>
	  <p lang="it">Potrai prelevare le tue monete digitali per riempire il portafoglio
	     usando la carta di credito o transazioni SEPA, simili al modo in cui paghi o
	     prelevi contanti normalmente al giorno d'oggi.</p>
        </div>
        <div class="col-lg-6">
          <h2 lang="en">Stability </h2>
	  <h2 lang="de">Stabilit&auml;t</h2>
	  <h2 lang="fr">Stabilité</h2>
	  <h2 lang="it">Stabilità</h2>
          <p lang="en">Coins in your digital wallet will be of the same denomination as the
             cash in your physical wallet. So you will not have to worry about
             currency fluctuations or conversion rates. Like a physical wallet,
             you can carry digital coins of different currencies in your digital
             wallet at the same time.</p>
	  <p lang="de">M&uuml;nzen in Ihrer digitalen Geldb&ouml;rse besitzen
	     die gleichen Nennwerte wie das Geld in Ihrer echten Geldb&ouml;rse.
	     Auf diese Weise m&uuml;ssen Sie sich nicht um
	     W&auml;hrungsschwankungen oder Wechselkurse sorgen. Wie auch im
	     echten Leben k&ouml;nnen Sie digitale M&uuml;nzen verschiedener
	     W&auml;hrungen in Ihrer digitalen Geldb&ouml;rse mit sich f&uuml;hren.</p>
	  <p lang="fr">La dénomination de votre monnaie dans votre portefeuille
	     numérique sera la même que celle de votre portefeuille classique. Vous
	     n'aurez donc pas à vous inquiéter des fluctuations des cours des
	     monnaies ou des taux de conversion. Comme un portefeuille classique,
	     vous pouvez avoir en même temps des monnaies de différentes devises
	     dans votre portefeuille numérique.</p>
	  <p lang="it">Il denaro nel tuo portafoglio digitale sarà sotto la stessa
	     denominazione di quello nel portafoglio reale, così da non doverti preoccupare
	     per la svalutazione della valuta o per le tariffe di conversione. Come in un
	     portafoglio normale, puoi avere allo stesso tempo monete digitali di diverse
	     valute nel tuo portafoglio digitale.</p>
        </div>
      </div>
      <div class="col-lg-12">
        <h2 lang="en" id="overview">Taler as seen by customers</h1>
        <h2 lang="de">Taler aus Kundensicht</h1>
        <h2 lang="fr" note="outdated"></h2>
        <h2 lang="it" note="outdated"></h2>
        <p lang="en">Customers interact with the Taler system mostly using
          a free wallet implementation, which may be an extension or plugin
          to their browser or a custom application on their computer(s).
          Typical steps performed by customers are:
        </p>
        <p lang="de" note="outdated"></p>
        <p lang="fr" note="outdated"></p>
        <p lang="it" note="outdated"></p>
        <p>
          <img src="images/customer.svg" alt="customer perspective" style="float: right; margin: 50px 5px 5px 5px;" width="50%">
          <ol>
            <li lang="en">The customer selects a mint (i.e. by visiting the
              respective website or selecting from a list of mints in the
              application) and asks the wallet to create bank transfer
              instructions to withdraw a certain amount of electronic cash.
              The bank transfer instructions will contain an
              access code that must be included in the subject of the
              transaction, as well as the wire details for the mint (i.e.
              a SEPA account number).</li>
             <li lang="de" note="outdated"></li>
             <li lang="fr" note="outdated"></li>
             <li lang="it" note="outdated"></li>
             <li lang="en">The customer then instructs his <b>bank</b> to
               transfer funds from his account to the Taler mint using
               these instructions provided by the wallet (top left).</li>
             <li lang="de" note="outdated"></li>
             <li lang="fr" note="outdated"></li>
             <li lang="it" note="outdated"></li>
             <li lang="en">Once the funds have arrived, the wallet will
               automatically withdraw the electronic coins.  The
               customer can use the wallet to review his remaining balance
               at any time. He can also make backups to secure his digital
               coins against hardware failures.</li>
             <li lang="de" note="outdated"></li>
             <li lang="fr" note="outdated"></li>
             <li lang="it" note="outdated"></li>
             <li lang="en">When visiting a merchant that supports Taler,
               a new payment option is available in the checkout system.
               If the customer selects payments via Taler, the wallet
               displays the secured contract from the merchant and asks
               for confirmation.  Taler does not require the customer
               to provide any identity information to the merchant.
               Transaction histories and digitally
               signed contracts can be preserved in the wallet for future
               review by the customer, or even use in court.</li>
             <li lang="de" note="outdated"></li>
             <li lang="fr" note="outdated"></li>
             <li lang="it" note="outdated"></li>
          </ol>
        </p>
      </div>
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