The Russians invented a new method of identification.
The electronic signature can “sew” in the microchips of Bank cards and SIM cards for remote authentication of Bank customers. The draft of amendments to the laws “On electronic signature” (63-FZ) and “On combating legalization/laundering of proceeds of crime” (115-FZ) is discussed in the Ministry of Finance. About this “news” told a source close to the Ministry. In the case of adoption of amendments to customers when making purchases with a card or mobile phone (which tied “plastic”) will not need any paper documents to verify your identity, including passport.
Amendments to 115-FZ the banks provide “the right to receive from the client the documents and information necessary to identify it in electronic form, certified by a qualified electronic signature, and remote opening of Bank accounts with statutory restrictions.” Changes in 63-FZ introduced for certifying center “obligation when issuing a qualified certificate of the electronic signature to verify the non-conformity owner information key data official statistics of the Federal migration service, Pension Fund of Russia”.
The source explained that the innovation was developed in accordance with the instructions of the President of the Russian Federation Vladimir Putin dated 29 January 2016 (item 168, p. 11).
“The Ministry of Finance, Central Bank, Rosfinmonitoring, the Ministry of communications jointly with the relevant Federal Executive authorities to submit proposals for the introduction of unified approaches to the verification of information provided by banking services, including on the Internet”, — stated in the order.
The interlocutor of “Izvestia” noted that the innovation developed by the Ministry of Finance together with the banking community.
— By placing an electronic signature in a microprocessor Bank cards and SIM cards will ensure its widespread use by the Russians, said the President of the Association of Russian banks Garegin Tosunyan. — Issuance of a qualified electronic signature involves the observance of strict rules of identification of the recipient of such a signature.
He explained that the accredited certifying centre is obliged to keep, in particular, details of the main document that confirms the identity of the owner of the qualified certificate for natural persons. The technology involves the use of a chain of messages that were encrypted with a special key of the user that provides data protection.
According to Tosunyan, the necessary technology is developed and can be applied.
— Technology certification centers, Telecom operators to issue qualified electronic signatures on SIM cards, is the final stage of certification, — said the President of ARB. — In accordance with 63-FZ the document with an electronic signature (as and any information it certified) is recognized as equivalent to a paper document, unless legislation provides otherwise.
According to 115-FZ, with the identification of Bank customers with the necessary original documents (or notarized copies).
— In the existing legal framework is the implementation of a new banking service is impossible, says Garegin Tosunyan. — Therefore, it is necessary to change the legislation.
Head of digital business unit of the Bank Dmitry Kashtanov is confident that innovation will increase the possibilities for the development of payment functions via mobile phone.
— It comes complete using a mobile device for the full range of banking services in remote form (deposits, loans, payments), — said the representative of the Bank. — When using this technology, identify the client doesn’t need to come into the office, he already has a built in mobile phone EDS.
Dmitry Kashtanov also believes that innovation will improve security when you confirm the operations, performed remotely.
— Passwords that come to the client in SMS, much inferior in terms of safety the technology of digital signature in the SIM, — the interlocutor specifies. — The use of technology SIM EDS will allow the client directly on the mobile phone to confirm every payment without using the SMS channel, thus increasing the convenience of payment for customers, and for banks this will provide an opportunity to economize the costs of outbound SMS traffic, the cost of which has recently increased several times.
According to the Director of Department of payment systems of SMP Bank Elena Bindesboll, a positive innovation in the light of more stringent requirements for identification of citizens: for example, from 1 January 2016 when paying by card purchases in jewelry stores in the amount from 100 thousand rubles need to show your passport.
— If the Bank card will be an electronic signature, the identification will be carried out automatically, — tells Elena Bingonova.
As managing partner of the audit company “2K” Tamara Kasyanova fears possible theft of personal data of Russian citizens within the framework of the initiative.
— Turning on the card and the SIM card all confidential information, adding the possibility to use the maps, you need to be prepared for the fact that information can get to the fraudsters, because these areas are popular among criminals, — she warns.
Director General of the Institute of stock market and management Victor Maydanyuk considers it possible to permit the placing of electronic signatures on Bank cards only in the application of the additional protection of Bank cards and SIM cards from unauthorized use — for example, if biometric client identification (fingerprint).
In a press-service of the Ministry of communications said that the use of EDS can be resolved in the context of law 445-FZ.
In a press-service of Central Bank “news” reported that this initiative in the Bank of Russia has not yet been reported.
— We think, however, that it requires a serious and detailed study with the involvement of all concerned state authorities, notably the Federal financial monitoring service, said the press service of the regulator.
Official representatives of the Ministry of Finance confirmed that the amendments, including the 115-FZ, Department developed. The amendment proposes to consolidate the ability “to use when conducting customer identification information received from the specified client in the form of electronic document signed with his enhanced qualified electronic signature”.
