Fingerprints, mobile services and other substitutes for bank cards. Recognized by the eyes

Bank manager Svetlana Pictozhite demonstrates the operation of self-service devices that accept credit cards. According to analysts, the credit limit on such a card in Moscow is close to 95 thousand rubles. This is the highest figure among Russian regions

Expert in banking sector Victor Shringel said that the top twenty largest banks have long been ready for this procedure.

The question of the need to collect biometric data has been around for a very long time. Financial institutions We have been preparing for the verification procedure since last year,” the expert noted.

According to bank employees, biometric data will help cope with fraud. After all, it’s easy to forge documents. A client’s photograph also does not provide a 100% guarantee of personal identification. For example, if a person has a twin, then the brothers or sisters can be easily confused in the picture, but the retina and fingerprints will be different. According to Springel, the procedure for collecting biometric data will be comfortable for bank clients.

There is no need to think that fingerprints will be taken the old fashioned way: by dipping your hand in ink and then rolling it over the paper. Technology has come a long way. The palms will simply be scanned and the data will be immediately presented in in electronic format. You won’t have to get dirty,” he said.

The same applies to taking data on the retina: the eye will only be photographed. Victor Shringel added that the main task of banks is not only to provide their branches with equipment for collecting data, but also to organize their safe storage.

Everything is designed so that such information is stored not only within banks, but there is general access to it, so that a client of one bank can be checked in another. This, of course, will provide convenience for employees,” the expert said.

According to him, the introduction of a procedure for removing biometric data does not mean that all Russian citizens will be urgently forced to hand over this data. Each person will be able to choose for himself whether he wants to submit fingerprints and retina or not. But it also remains up to the bank to decide whether to issue a loan to someone who has not provided biometric data. After all, in this case there is a risk of falling for the tricks of scammers. Without biometric data, it is difficult to prove the presence of a specific person in a bank.

Meanwhile, the expert noted that most Russians are ready to submit their fingerprints.

In any case, those who travel outside our country have already encountered it. “They are no strangers,” the expert concluded.

As for banks that are not included in the top 20, they will have to pay fines if it turns out that they are not ready to collect biometric data.

BY THE WAY

The collection of biometric data began in banks in the capital and other regions in July 2018. According to representatives Central Bank, this procedure was carried out in 400 branches from 140 cities. central bank obligated all credit institutions to ensure the collection of biometric data in 20 percent of their branches by January 1, 2019. This means that employees of four thousand departments will undergo training. If this requirement is violated, financial institution awaiting a fine.

Leto-Bank celebrated a year of work in the Russian credit market. An event held on June 13, 2013 was dedicated to this event. The first employee of Leto Bank was hired on June 1, 2012, he became the president and chairman of the board of the bank Dmitry Rudenko, which he announced to those invited to the “Summer” party New Year» to journalists.

VTB Group's subsidiary bank, Leto-Bank, focused on mass lending to the population, has reached wide market in the fall of 2012, and the volume of loans for the first 1.5 months of operation exceeded 100 million rubles. During the first year of operation loan portfolio The bank's capital grew to 7.3 billion rubles, and by the end of this year the bank intends to increase its portfolio to 18 billion rubles. During the year of operation, the bank opened 181 client centers in 6 federal districts of Russia. The bank also concluded more than 10 thousand agreements with stores where it is now possible to obtain a bank loan for goods. In 2013, the bank intends to continue to actively develop its network, and by the end of the year it will have 250 client centers, Dmitry Rudenko is sure.

The bank’s team is tasked with creating a customer base of several million people over several years, creating a sales network of at least 1 thousand branches and several thousand points of presence in stores. “The bank’s shareholder, VTB Group, looks positively at our plans and is not even surprised when we exceed them. Thus, over the year we exceeded our own growth plan by at least 2 times,” said Dmitry Rudenko.

Bank managers also spoke about development plans credit organization. At 10 Leto-Bank service centers in Central federal district There is already a pilot project for identifying clients using biometric data, Leto-Bank’s risk director told the website Olga Stepanova. At the stage of filling out the application, the client leaves his fingerprint at the bank. Bank employees explain to clients who apply to the bank for loans that this is being done to prevent attackers from using the client’s data, and not for the purpose of tracking bank clients. According to Olga Stepanova, client identification by fingerprint is necessary to reduce fraud in credit sector, since you often have to deal with the fact that in some companies, when applying for a job, a person’s passport is photocopied even during an interview. Such cases are especially frequent in the regions.

“Then they don’t hire the person, but this copier “walks” around the banks, and according to the person’s data, loans are issued without his knowledge,” noted Olga Stepanova. As part of the project, about 600 people have already given their consent to submit biometric data to the bank, and the bank’s clients do not have to be persuaded to leave a fingerprint, since they understand the importance of this information. The project started in April of this year, its data will be compiled at the end of summer 2013. Subsequently, the client who left his fingerprint in Leto-Bank will have the opportunity to take new loan, without even presenting your passport, since a passport can also be lost, simply forgotten at home or counterfeited. But nothing can change the unique pattern of capillaries on the finger, explained the first deputy board of the bank Georgy Gorshkov.

Also based on the results this experiment Leto-Bank will evaluate the prospects for introducing ATMs that will issue money to bank clients without entering a PIN code - also by scanning a fingerprint.

Georgy Gorshkov announced at the presentation of the first Moscow client center of Leto-Bank in November 2012 that the bank has begun testing ATMs in which, when applying for money, clients will be given the option of undergoing fingerprint identification. Then Gorshkov noted that the widespread use new technology The bank can be expected as early as July 1, 2013. Now the timing of the introduction of the innovation has shifted somewhat.

The banker noted that various options for accessing the account are being explored: using a fingerprint, by comparing the network of veins and scanning the retina. But preference was still given to fingerprint scanning, as the simplest and most tested technology. At the same time, he said that the identification procedure would be no more difficult than submitting a fingerprint for a visa to the USA or Britain. Georgy Gorshkov explained to the site that the bank is ready for the fact that some clients will not be “eager” to leave their fingerprints to the bank, since such a procedure is modern society associated with being included in the database of law enforcement agencies. But at the same time, the deputy chairman of the bank noted that now Russians leave a lot of information about themselves in in social networks, although no one is forcing them to do so. That’s why he believes that after communicating with bank employees, some clients, especially progressive young people, will still agree to the conditions of the credit institution, since they will see this as an additional guarantee of protecting their funds.

From the point of view of increasing security, this is certainly a useful innovation, especially in the context of increasing card fraud, since entering a PIN code and fingerprint is essentially a 99 percent guarantee that the client’s identification will be correct. Innovations are always good, as for issuing loans and identifying clients through this function, everything will depend on where the fingerprint data bank is stored and who can use it, says the head of the customer service department of Lanta Bank Olesya Lukhtay. She notes that all innovations that simplify identification have a future, and the more the population is informed about this, the faster we will get used to modern technologies, making our life easier.

The prospects for this technology are questionable, starting with how justified the costs of upgrading equipment are, and ending with the position of customer approval, believes the director of the department of economic and information protection of business at Rosgosstrakh Bank. Artem Gonta. He adds that similar technologies are already used in some countries - Switzerland, Germany, France, Japan, India, Brazil and some others - but most experts assess their effectiveness as low, given high percent failures during identification, as well as risks associated with attacks on citizen users of card accounts, when cardholders’ fingers were simply cut off in order to attach them to the identifier. “The biometric customer identification system should work globally, and not in a single bank. The necessary infrastructure must be created single base data for storing fingerprints, legal issues must be resolved, since the law does not clearly regulate that banks can identify clients using a biometric method,” notes the banker.

Several years ago, one of the banks tried to introduce customer identification by iris in one of the Asian countries. Not only that new system turned out to be very expensive, it was not widely used due to the fact that it was poorly received by customers. “A similar thing is possible in this case,” warns Gonta. Thus, he believes that this innovation will be very expensive, and for it banks need special equipment, knowledge, maintaining fingerprint files of clients, specialists in this field are needed, and also it is necessary to train bank employees and the like.

But Georgy Gorshkov reminded that Leto-Bank is credit institution, which never follows the beaten classical path, because for it the classical path is too expensive. “We have more ideas than opportunities to implement them, but they are all different from classical banking,” he said. Some of the ideas concern the customer service procedure at the bank itself. For example, a bank is launching banknote recycling technology at its ATMs. Now those bills that are issued to the client at Russian ATMs and those that are accepted from the client using cash-in technology are collected in different cassettes. Therefore, even if there are bills in the cassette where money is collected, the ATM cannot dispense funds from the card if the cash dispensing cassette is empty. And Leto-Bank is going to use a technology in which both the bills issued by the ATM to the client and the banknotes received from people will be accumulated in one cassette. This technology must be supplemented by a special machine check of banknotes for authenticity, so that if a fraudster manages to “feed” the ATM counterfeit bill(and for some reason the ATM accepted it as genuine), it did not fall into the hands of a respectable bank client.

The bank will also contribute to the correction credit history their clients. To do this, he will recommend that every client coming to the bank request his credit history from the bureau, and if there are negative aspects in it, then bank employees will recommend various actions to form it. It's about, rather, not about malicious defaulters, but about those clients of other banks who were issued credit cards, and they have debts for those cards that they have never often used - for example, up to 1 thousand rubles for issuing and servicing the card, noted Olga Stepanova. “The debt is small, but there is a big minus in the credit history due to “overdue debt.” We will recommend that such people pay off their debts,” the specialist said.

Leto-Bank also introduced a program to reward its clients - for those who took out a loan for a period of at least six months and did not make any delays within 6 payments, the bank returns part of the interest rate for using the loan.

“Smart” ATMs have begun to be installed in branches of large Russian banks. They can not only answer user questions, but also issue money without plastic cards. All you need is a fingerprint or retinal print.

The new ATMs combine not only innovative cash dispensing, but also other new functions. Among them are government services, for example, registration with the tax authorities.

Experts have been saying for a long time that ATMs need to be replaced. Most of the 300 thousand machines that are in offices and shopping centers today are morally and physically outdated. Some credit institutions have ATMs written off in other countries, explained Oleg Ivanov, vice-president of the Association of Regional Banks.

Russia already has money dispensing machines through which you can withdraw cash from your bank account without a bank card, using only your phone and QR code. You just need to connect to your personal account at an ATM using your login and password and request the required amount or making a payment. In the same way, you can not only withdraw money, but also deposit it into your account and open a deposit. But there are still few such “smart” machines.

In addition, the QR code and mobile phone cannot completely replace plastic card. For now, this is an auxiliary option to help with money a client who has lost his card and is waiting for it to be reissued.

On the basis of some ATMs, mini-offices are created, where staff are not particularly needed. You can come there at any time of the day or night.

"This can be one or several ATMs that are installed indoors. The client receives both standard services, and can use the ATM as a personal account,” says Elena Mokhnacheva, vice president of one of the Russian banks with state capital. - The office ATM screen itself is becoming larger, making it more convenient to work on. Sometimes it's even two screens. On one - interface personal account(like on a home computer), and on the second one you can receive customer advice from the bank."

Such a machine costs more, but it will pay for itself, bankers are sure. First of all, by reducing the cost of paying employees, since the client, if necessary, talks with them remotely.

And in order to eliminate the risk of fraudulent transactions, credit institutions are just thinking about equipping ATMs with identification functions using a fingerprint or retina.

But first, banks will have to obtain the consent of citizens to use their biometric data, then seriously modernize their infrastructure in order to transmit this information. Credit institutions that have installed such machines have already gone through this procedure.

You can submit your fingerprints at a bank branch. 


Clients who want to use this opportunity will also need to officially declare their desire. You must come to the bank office and draw up a special agreement by submitting your fingerprints.

Recycling ATMs with a closed cash flow that do not require frequent maintenance are becoming increasingly popular around the world. The client can receive cash from the funds at the ATM that another bank client previously deposited into it. This allows banks to save on collection costs. The introduction of closed cash circulation makes it possible to reduce the costs of ATM collection by more than 30 percent, noted Elena Mokhnacheva. But so far, even such obvious ATMs with a cash-in function have become rare, Ivanov noted. One such ATM is quite expensive, approximately 50 thousand dollars.

Non-cash transactions in Russia have a great future, Oleg Ivanov is sure. You can already pay for goods and services using your smartphone. It would be nice if it could be used to transfer funds from account to account.

It is not yet clear how quickly the strategy for switching to non-cash payments will be implemented in Russia. Several years ago, the Ministry of Finance said that as soon as Russia launched its own payment system, the infrastructure to receive it will develop bank cards, then we can return to the issue of moving away from cash. It was announced that in the first half of next year it is planned to begin the mass issue of Mir cards with the release of 40 million. They will be issued to state employees and students. This means that we can start talking about taking measures to reduce the share of cash, Ivanov noted.

By the way, the Federal Antimonopoly Service may initiate a case against Visa and Mastercard. Application received by the Federal Antimonopoly Service (FAS) of the Russian Federation from the Association trading companies and manufacturers of electrical household and computer equipment (RATEK) with a complaint against payment systems is in the process of consideration,” the deputy head of the control department told TASS financial markets FAS Liliya Belyaeva.

Let us recall that at the end of November, during a joint meeting of the FAS Presidium and the Presidium of the Board of Support of Russia, the head of the organization, Alexander Kalinin, expressed indignation at the size of the service fee charged by payment Visa systems and MasterCard from businessmen. According to him, this is 1.5 percent for service big business and up to 2.5 percent - small. “There is clearly discrimination here. What to do about it?” asked the head of Opora Rossii then.

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In 2005, Alfa-Bank offered clients the Alfa-Mobile service, which allowed them to pay cellular communication and check your bank account balance through the menu cell phone. Today such an innovation causes laughter, but then it was wow! This is how the first one appeared in Russia mobile bank, and today we will look at what he has learned in 11 years.

1. Possibility to test the application without being a bank client

The advantage of Alfa-Mobile is the opportunity to thoroughly study the application without becoming a client of the bank. Often, potential clients can evaluate a mobile bank only after they open an account or get a card. It turns out to be a kind of pig in a poke.

You can download the application, click on the “Demo” button on the authorization screen and test each function as if you already had a card and accounts with Alfa-Bank. This is an honest approach.

2. Chat with the bank from the application

Customer service is like a reserve parachute. You rarely need to contact it, but if the need arises, it means that something important has happened and the service must work as it should.

Why is communicating with support specialists via chat more convenient than a phone call? Firstly, you don’t need to wait a few minutes for an answer: you write a message and put your smartphone in your pocket. Secondly, there is no need to listen to the silence between the operator's answers, when he performs some actions and asks you to stay on the line. Third, you continue to do your business, and when you receive a response, you will hear an alert.

3. Fingerprint login

Fingerprint unlocking is convenient. Ask anyone who owns a smartphone with a fingerprint scanner if they want to go back to the archaic practice of entering PINs, passwords, and drawing pattern keys, and you are guaranteed to hear a “no.” In Alfa-Mobile, login by fingerprint works.

4. Search for an ATM in augmented reality mode

The built-in map with ATMs marked on it is convenient and understandable not for every user, but the navigation mode through the smartphone camera in augmented reality mode is for absolutely everyone.

5.Windows Phone support

99% of developers pretend that phones are based on operating system Windows Phone doesn't exist and so they don't bother creating this type of app. Specialists from Alfa-Mobile did their best for all owners of Windows phones.

6. User-friendly interface with the necessary functions

All Alfa Mobile users have access to viewing the balance of all accounts and cards in real time, transfers between their own accounts and cards, transfers to other Alfa clients on special conditions and clients of other banks.

The application includes a personal accountant who controls expenses divided by category, the function of blocking and unblocking cards, opening and closing accounts, and also allows you to pay for communications, Internet, traffic police fines, utilities and other services with one touch using templates. If necessary, the application will generate a payment receipt in PDF format and send it to the user's email.

If you have a foreign currency account at Alfa-Bank, you can exchange rubles for dollars or vice versa from the application. This is a very useful feature for those who prefer to store savings in different currencies, but do not like to go to bank branches and exchange offices.

Conclusion

If you want to get the technological sophistication and customer focus of the best banks, but do not want to return your money through the deposit insurance system, then the Alfa Mobile application is for you.

This technology is already used in Promsvyazbank and Home Credit, said representatives of these credit institutions. Authorization in mobile banking tied to the fingerprint scanner in Apple phones. Sberbank introduced customer identification using Touch ID technology back in 2014.

According to the leading analyst of Mobile Research Group, Eldar Murtazin, there are about 14 million iPhones in Russia. Of these, 5.8 million devices support Touch ID.

Biometric customer identification based on facial recognition is also used in some Russian banks. In 2015, it was introduced by Leto Bank (now Post Bank), said a representative of this credit institution. The biometric parameters of new Pochta Bank clients are compared with the existing client base, and also compared with the base of fraudsters, he says. The system is used to counter external and internal fraud - when issuing loans and when authorizing bank employees. “It quickly paid for itself, and its use allowed the bank to save about 100 million rubles,” noted a bank representative.

A similar pilot project was launched in three Moscow branches of Otkritie Bank, where a facial recognition camera was built into the electronic queue terminal, Alexey Blagirev, the bank’s innovation director, told RBC.

In 2016, Sberbank implemented a series of pilot projects involving the use of biometric technologies in different service channels and use scenarios, a bank representative told RBC. The bank also accredited VisionLabs, Comlogic, Prosoft Biometrix and Fujitsu Technology Solutions as suppliers of facial recognition systems.

Negotiations with potential suppliers of biometric customer identification systems are being conducted by B&N Bank, the head of the center said innovative development bank Pavel Chebotarev.

Raiffeisenbank is currently testing several biometric technologies, Sergei Grib, head of the bank’s integrated risk management department, told RBC.

Rosbank is actively exploring the inclusion of biometrics in internal processes and in customer service. “We have launched an important project to integrate biometric data into our service systems. This was preceded by a number of pilot projects, which gave a decent result in reducing the number of frauds at the analysis stage loan applications“, said Elena Bronnikova, director of change management at Rosbank.

The Central Bank is preparing for biometrics

Meanwhile, the Bank of Russia has begun the next stage of work on a unified biometric data base - working on security issues and the legal foundation for remote identification of clients, the regulator’s press service told RBC. A pilot test of the biometric identification system, in which several retail banks will participate, is planned by the Bank of Russia for 2017.

The project was developed by the Central Bank together with the Ministry of Telecom and Mass Communications and Rosfinmonitoring. As RBC previously wrote, it will allow the client to abandon the physical presence of the client when opening an account with a new bank. “You can come to one bank in any part of the country, confirm your account[on “State Services”], and then move to Moscow and, if the need arises, remotely open a bank account or submit a loan application in the future,” said Olga Skorobogatova, deputy chairman of the Central Bank, at the Finopolis 2016 forum in October.

The system will work like this. After the client has been personally identified at the bank, a corresponding mark will appear in his profile on State Services. If the client decides to use the remote services of another bank, then this bank, having received permission from the user to access his personal data on State Services, will be able to identify his identity; such identification will be equivalent to presenting a passport.

The specific timing and participants of the pilot project have not yet been determined , follows from the commentary of the Central Bank provided by RBC.

The pilot project of the Central Bank will take 12 months, says Alexander Khanin, CEO of VisionLabs, a development company software for face recognition. Customers of participating banks will be able to “register” their faces (take a photo to enter the photo into the reference database) so that these images can be used for remote identification. Thanks to it, clients will have access to current accounts, opening deposits, receiving loans, transfers and payments, Khanin lists.

The future is in the faces

Despite the interest of banks and financial authorities in biometrics, its widespread implementation will not become widespread in 2017, RBC’s interlocutors say. In Russia, this method of identifying clients may become widespread in 3-5 years, believes the head of the department for online and mobile banking Kaspersky Lab Alexander Ermakovich. “We should not forget about the privacy problem - not all users are ready to share data such as a fingerprint or an eye scan with the bank,” he adds.

According to Ermakovich, today biometric identification methods cannot be called 100% safe. “The technology is new, not all developers know how to use it correctly. Attackers, in turn, begin to look for vulnerabilities in it even before introducing it into mass products,” the expert warns.

There is no talk yet of completely replacing other identification methods with biometrics, agrees Pavel Gurin, member of the board of Post Bank. At the same time, he believes that current identification methods can be strengthened by biometrics. “For example, the “username-password” pair that has become common when identifying a client will not soon become a thing of the past. But for transactions with higher limits or riskier ones, additional biometric identification can be used as a “confidence enhancer,” says Gurin.

With the participation of Anna Balashova