Oýunçylaryň jogapkär tölegleri we çäkleri

1) Maksatlar we ýörelgeler

Oýunçynyň goragy: zyýanyň öňüni almak (overspending/overplay), şertleriň we öz-özüňe gözegçilik gurallarynyň aç-açanlygy.
Ygtyýarnamalaryň berjaý edilmegi: çäklere ýurisdiksiýa talaplary, cooling-off, self-exclusion, reality checks.
Maliýe durnuklylygy: çarjbekleriň/bergileriň/amal töwekgelçilikleriniň azalmagy, affordabilite dogry baha bermek.
Sürtülmezden UX: aňsat çäklendirmeleri oturtmak/üýtgetmek, düşnükli netijeler we wyiousdanlylara päsgel bermezden wagtlar.

2) Çäkleriň we goragyň taksonomiýasy

2. 1. Oýunçynyň çäkleri

Deposit limit (gündelik/hepdelik/aýlyk).
Loss limit (döwür üçin arassa ýitgiler).
Wager/Stake limit (dolanyşyk/iň ýokary nyrh).
Wagt/session limit (oýnuň/sessiýanyň minutlary).
"Velocity limit" (goýumlaryň/stawkalaryň ýygylygy).
Withdrawal frictions: gaýtalanýan netijelerden öň cool-off, haýyşlaryň ýygylygyna çäklendirmeler.
Reality check: wagt/netije/balans barada wagtal-wagtal habar bermek.

2. 2. Administratiw çäreler

Cooling-off (wagtlaýyn arakesme).
Self-exclusion (ýerli/milli reýestr).
Affordability checks: maliýe elýeterliligine baha bermek (girdejiler/borçnamalar/SoF).
Bosagalar we özüni alyp baryş signallary boýunça KYC/SoF/SoW step-ups.

2. 3. Töleg-komplayens çäkleri

Same-method/Return-to-source: artykmaç çykdajylardan/" nagt puldan "goramak.
Net Deposits (ND): goýumlaryň/netijeleriň, mahabata gatnaşmak üçin geýtleriň/netijeleriň bir bölegi.
Töwekgelçiliklerde (RG/AML), ýöne aç-açan SLA we şikaýatlar bilen.

3) Triggerler we eskalasiýalar (risk-based)

Çäk mukdary (gündelik/30 günlük dolanyşyk, iri goýumlar).
Özüni alyp baryş signallary: gijeki işjeňlik, depozitleriň çalt gaýtalanmagy, soft-declines hatary.
Geo/enjam: ýurdy üýtgetmek/ASN/VPN, birnäçe hasapdan "öý hojalygy".
Töleg alamatlary: BIN-geo ≠ KYC, yzly-yzyna täze bellikler, ýokary töwekgelçilikli emitentler.
RG gurallarynyň netijeleri: ýygy-ýygydan reality-check dismiss, öz çäkleriniň bozulmagy.

Eskalasiýa: duýduryş → berk çäkler → cooling-off → öz-exclusion → elle baha bermek affordability (SoF/SoW).

4) UX-patternler artykmaç sürtülmezden

Ekranlaryň hemmesiniň üstünde - RG gurallaryna çalt girmek.
Çäk goýmagyň ussady: döwür → çäk görnüşi → jemi → güýje girmegi.
Çägi üýtgetmek: berkitmek - birbada; gowşamak - gijikdirilen giriş bilen (24-168 sagat).
Reality-check modalka: düşnükli KPI (wagt/netije, goýumlar/netijeler/netije), "dowam et "/" arakesme" düwmeleri.
Kadaly dil: ýazgarylman; bloklaryň gysga sebäpleri ("goýumyň gündelik çägine ýetildi").
Lokalizasiýa we elýeterlilik: ICU formatlary, a11y, RTL, uly şriftler.

5) Çäk syýasaty: psevdo-DSL

yaml policy: "rg_limits_v3"
limits:
deposit:
periods: [DAILY, WEEKLY, MONTHLY]
weaken_delay_hours: 72 loss:
periods: [DAILY, WEEKLY, MONTHLY]
weaken_delay_hours: 72 wager:
periods: [DAILY, WEEKLY]
stake_max:
amount: {EUR: 100}
reality_check:
interval_minutes_default: 60 show_metrics: [time_played, net_result, deposits, withdrawals]
cooling_off:
options: ["24h", "7d", "30d"]
immediate_effect: true self_exclusion:
registry: ["local", "national"]
triggers:
- if: net_deposits_30d > 2000 then: "affordability_check"
- if: deposit_velocity_24h >= 3 then: "hard_daily_deposit_cap"
- if: vpn_detected == true then: "deny_until_verified_geo"
payments:
same_method: true allow_nd_withdrawal: true

6) In engineeringenerçilik we maglumat modeli (iň az)

rg. profiles (
user_id PK, kyc_level, risk_score, country, self_excluded BOOL, cooling_off_until TIMESTAMP
)

rg. limits (
user_id, type -- DEPOSIT    LOSS    WAGER    STAKE    TIME,
period -- DAILY    WEEKLY    MONTHLY    SESSION,
amount NUMERIC, currency TEXT, set_at TIMESTAMP,
weaken_effective_at TIMESTAMP, active BOOL,
PRIMARY KEY (user_id, type, period)
)

rg. events (
id PK, user_id, kind -- LIMIT_HIT    RC_SHOW    COOLING_ON    SEFLEX_ON    UNLOCK_REQ,
payload JSONB, created_at TIMESTAMP
)

rg. affordability (
user_id PK, status -- NOT_REQUIRED    REQUESTED    PASSED    FAILED    EXPIRED,
sof_required BOOL, sow_required BOOL, requested_at TIMESTAMP, decided_at TIMESTAMP
)

finance. net_deposits (
user_id, currency, nd_total NUMERIC, nd_30d NUMERIC, updated_at TIMESTAMP,
PRIMARY KEY(user_id, currency)
)

payments. activity_rollup (
user_id, day DATE, deposits NUMERIC, withdrawals NUMERIC,
wagers NUMERIC, losses NUMERIC, sessions_minutes INT
)

7) Ýerine ýetirişe gözegçilik (onlaýn barlaglar)

Goýumda: DEPOSIT/Loss/Wager çäklendirmelerini döwürler boýunça barlamak; velocity caps.
Oýunda: wagt/session we reality-checks; stake_max.
Netijede: ND-kesme, same-method, cooling-off/self-exclusion.
Çäklendirmeler gowşadylanda: respect 'weaken _ effective _ at'.
Triggerlerde affordability: "barlagdan öň" bloky ýa-da çäkleri çäklendirmek.

8) SQL şablonlary

8. 1. Gündelik depozit çägine ýetdimi?

sql
WITH d AS (
SELECT COALESCE(SUM(amount),0) AS dep_day
FROM payments. activity_rollup
WHERE user_id=:uid AND day=CURRENT_DATE
)
SELECT (d. dep_day +:incoming_amt) <= l. amount AS allowed
FROM d, rg. limits l
WHERE l. user_id=:uid AND l. type='DEPOSIT' AND l. period='DAILY' AND l. active=true;

8. 2. ND we RG statuslaryny barlamak

sql
SELECT
(nd. nd_total >= 0) AS nd_ok,
(p. same_method_ok) AS same_method_ok,
(NOT pr. self_excluded) AS not_excluded,
(COALESCE(pr. cooling_off_until, now()) <= now()) AS not_in_cooling
FROM finance. net_deposits nd
JOIN payments. payout_context p ON p. user_id=nd. user_id AND p. currency=nd. currency
JOIN rg. profiles pr ON pr. user_id=nd. user_id
WHERE nd. user_id=:uid AND nd. currency=:ccy;

8. 3. Reality-check kesmek

sql
SELECT user_id,
SUM(sessions_minutes) AS mins,
SUM(deposits) AS dep,
SUM(withdrawals) AS wd,
SUM(wagers - withdrawals + deposits) AS net_result
FROM payments. activity_rollup
WHERE user_id=:uid AND day BETWEEN CURRENT_DATE - INTERVAL '1 day' AND CURRENT_DATE;

8. 4. Çäklendirmäni gowşatmak we yza süýşürilen giriş üçin haýyş

sql
UPDATE rg. limits
SET amount=:new_amount,
weaken_effective_at = now() + INTERVAL '72 hours'
WHERE user_id=:uid AND type='DEPOSIT' AND period='DAILY';

8. 5. Affordability tetigi

sql
WITH m AS (
SELECT SUM(deposits - withdrawals) AS nd_30d
FROM payments. activity_rollup
WHERE user_id=:uid AND day >= CURRENT_DATE - INTERVAL '30 days'
)
INSERT INTO rg. affordability(user_id, status, sof_required, sow_required, requested_at)
SELECT:uid, 'REQUESTED', true, false, now()
FROM m WHERE m. nd_30d > 2000
ON CONFLICT (user_id) DO NOTHING;

9) KPI we daşbordlar

Share of Protected Play: ≥ çäkleri bolan işjeň oýunçylaryň paýy 1.
Limit Hit Rate: Görnüşlere görä işlemegiň ýygylygy (depozit/ýitgi/wagt).
Cooling-off/Self-exclusion Rate we arakesmeden soň yzyna gaýdyp gelmek.
Affordability TAT (p50/p95), доля PASS/FAIL.
ND <0 Share we çäkleriň bu görkezijä täsiri.
Çargeback bps/Refund rate çäklendirmeleri girizmezden öň we soň.
RG-blokirlemeler sebäpli töleglerde abandonment (guardrail-metrika).
Reality-check engagement: acknowledge rate, post-RC özüni alyp barşy.

10) Alertler

Limit Hit Spike: ösüşler> X% d/d ýurt/kanal boýunça.
Affordability Backlog: TAT> SLA, nobat> bosagasy.
Cooling-off Leak: arakesme döwründe töleg synanyşyklary (P1).
Self-exclusion Mismatch: daşarky reýestr bilen gabat gelmezlik.
Policy Drift: çäklendirmeleri barlamazdan tölegler/nyrhlar.
ND Negative Surge oýunçylarda çäksiz → awto-çäkleri hödürläň.

11) Hukuk we komplayens (konspekt)

Aç-açan tekstler: çäkleriň täsiriniň ýönekeý düşündirişleri, giriş möhletleri, gowşamalaryň ýatyrylmagy.
Lokal kadalar: çäkleriň döwürleri/görnüşleri we reality-check formatlary boýunça tapawutlar; öz-exclusion milli sanawlary bilen sinhronlamak.
Gizlinlik: affordability maglumatlaryny azaltmak, kararyň subutnamalaryny saklamak (audit-trail).
Hasabat: ygtyýarnamalar/bazarlar boýunça çäkler/kadadan çykmalar boýunça agregatlar.

12) Ykdysadyýet we täsir

Töleg hadysalarynyň (CB/Refund) we "gyzyl" biletleriň azalmagy.
LTV durnuklaşdyrylmagy: az "ýakylan" gapjyklar, sagdyn kogort metrikleri.
Amal çykdajylary: capacity affordability/el haltalaryny meýilleşdiriň, step-ups awtomatlaşdyryň.

13) A/B we ädimme-ädim ornaşdyrmak

copy we UX çäklerini, reality-check, weaken_delay, stake_max aralyklaryny synagdan geçiriň.
Guardrails: AR/Abandonment, CB bps, ND <0 Share, sapport şikaýatlary.
Data-friz/SW; GEO/kanallar boýunça gatlaklaşdyrmak.

14) Iň oňat amallar (gysgaça)

1. Default-on RG gurallary, gapjykdan we çekden çalt girmek.
2. Çäkleri gowşatmak - diňe gijä galmak bilen; güýçlendirmek - birbada.
3. "Arassa netije" metrikasy bilen "reality-check" (60 minut).
4. Töwekgelçilik-based step-ups (affordability/SoF) hemmeler üçin däl-de, bosagalar we signallar boýunça.
5. Töleg syýasaty bilen integrasiýa: ND, same-method, cooling-off.
6. Doly telemetriýa: her bir karary syýasatyň we evidence wersiýasy bilen saklamak.
7. Lokalizasiýa we a11u, aç-açan tekstler we dogruçyl möhletler.
8. Ygtyýarnamalara we daşary reýestrlere laýyklygyň yzygiderli auditleri.

15) Girizmegiň çek-sanawy

• Çäkleriň we döwürleriň kartasy; weaken-delay; reality-check.
• Pseudo-DSL syýasaty, wersiýasy, audit.
• Depozit/oýun/çykarmak üçin onlaýn oýunlar; ND и same-method.
• Affordability triggerler we prosesler (SoF/SoW), SLA we alertler.
• UX: çäk ussady, lokalizasiýa, a11y; manyly copy.
• KPI we guardrails dashbordlary; wakalaryň alertleri we pleýbuklary.
• Öz-exclusion sanawlary bilen deňeşdirme; hukuk tekstleri lokallar arkaly.
• AR/CB/LTV we sapport ýüküne täsiriniň döwürleýin post-barlaglary.

Gysgaça maglumat

"Jogapkär tölegler we çäkler" ulgam yrgysy: syýasat we UX, töleglerde/oýunda/netijelerde onlaýn gözegçilik, töwekgelçilikli eskalasiýa (affordability/KYC/SoF), ND/same-method bilen baglanyşyk we doly telemetriýa. Bu çemeleşme şol bir wagtyň özünde oýunçylaryň zyýanyny azaldýar, P & L-ni durnuklaşdyrýar we wyiousdanly tomaşaçylar üçin gereksiz sürtülmezden ygtyýarnama talaplaryna laýyk gelýär.