Biometric identification and access of special services to this data

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Biometric identification and access of special services to this data

Citizens of the Russian Federation will have the opportunity to become a client of the bank without appearing in the branch from July 1. Credit organizations will have to pay 200 rubles / person for such convenience of working with clients.

Biometric identification in the Russian Federation
The first working version of the unified biometric system, which will allow citizens to become a client of the bank without appearing at the branch, was presented on Monday, February 19. As the correspondent of RBC, who attended the presentation, reports that the system is now ready for integration with the information systems of the banks participating in the pilot. In the future, the system will expand from banking services to public services, healthcare, education, retail and others.

According to Rostelecom (system developer), a unified biometric system will work in Russia from July 1, 2018 . Vice President for Business Development of Rostelecom Alexander Aivazov said that banks will pay 200 rubles for access to the personal information of a citizen in a single identification database. In this case, half of this amount will be received by the bank, which initially participated in the removal of primary biometrics, and another 100 rubles. other participants in the system will receive (the operator of the system itself, the public services portal and technology solutions vendors). The representative of Rostelecom did not disclose who is involved in the development of the platform, noting only that different vendors are used for each system identification parameter.

More than 20 banks have already begun testing the system. They got the opportunity in test mode to collect data and conduct remote identification. Damir Galiyev, head of the project office for innovative development of Ak Bars Bank, said that before the law came into force, all work was carried out exclusively with virtual data obtained by emulating real biometric data.

According to VTB board member Vladimir Verkhoshinsky, the scope of actions that a client can perform based on biometric data is determined by the bank’s decision. At the initial stage of introducing the system, the user will have access to simple operations (transfer within their accounts or opening a deposit in small amounts), but in the future two or three years complex operations will become available to customers, for example, obtaining a mortgage, he said.

Data security
Personal data will be stored in a secure circuit, and the system will undergo certification and certification in accordance with the requirements of the FSB, said Ivan Berov, director of the Digital Identity office of Rostelecom.

The digital platform itself is located in Rostelecom’s cloud-protected infrastructure, to which banks will gain access through special communication channels of the Interagency Electronic Interaction System (SMEV).

Berov also added that user data will be transmitted through secure communication channels using domestic cryptographic algorithms. To solve this problem, Rostelecom is developing a special mobile application with built-in cryptographic information protection tools.

Why is this biometrics needed?

The Ministry of Communications and other departments have been creating the Unified Biometric System since mid-2016 on behalf of the Government Commission on Information Technologies. First of all, the system will be implemented in the banking sector. Remote customer identification became possible after the end of 2017 adopted amendments to the law “On combating the legalization (laundering) of proceeds from crime and the financing of terrorism”. Prior to this, the law prohibited the initial opening of an account for an individual without his personal presence in a bank branch.

With the launch of the system, the consumer will be able to pass the initial identification with a credit institution that has permission to collect biometrics. To do this, it will be removed to the webcam and make an audio recording of the voice. This will give him the opportunity in the future to become a client of any bank and receive banking services remotely. When remotely contacting the bank, the system will offer the already registered user to bring the camera of his mobile phone or other device to his face and say the phrase proposed by the system. If the voice and image match, then the user will get access to financial services.

Special Services Access to Data
The Ministry of Internal Affairs and the FSB will be able to receive from the banks biometric data of Russians without their consent, they write "Vedomosti" with reference to the developed bill on remote identification.

The document, which the State Duma adopted in the second reading, states that the biometric system operator will provide the Ministry of Internal Affairs and the FSB with information about citizens registered in it.

Using biometric identification, Russians will be able to receive financial services via the Internet. For this, the client will have to go through the initial registration with the bank, and he will send the data to the Unified Identification and Authentication System on the public services portal. The system will also record the client’s face on video and record his voice.

According to Vedomosti, the Ministry of Internal Affairs wanted to become the only operator of the biometric system, but it was decided to give these functions to Rostelecom.

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