Bankers: counterfeit banknotes are distributed through payment terminals

© Fotolia / Denys PrykhodovБанковская card. Archival photoBankers: counterfeit banknotes are distributed through payment terminals© Fotolia / Denys Prykhodov

The problem with taking counterfeit money is more relevant with regard to the payment terminal, operating only on reception of bills, than to ATMs, according to respondents RIA Novosti bankers. But in any case, in their opinion, it makes no sense to revoke the license of the Bank due to this factor — will be enough regulatory measures and a more balanced selection of equipment manufacturers.

This week the first Deputy Chairman of the Central Bank Georgy Luntovsky said that the regulator said the growth of ATMs accepting counterfeit notes. According to him, the main reason of growth of this type of fraud — the use of cheap models banknotopriemnye device that checks one or two protective characteristic, whereas the regulator requires to check not less than four machine-readable security features.

The Association of entrepreneurs for development of the business patriotism, «AVANTI» had previously sent an address to the speaker of the Federation Council Valentina Matvienko and the head of the Federation Council Committee on budget and financial markets Sergey Ryabuhina with the proposal to introduce the possibility of revocation of license of banks, more than 25% of the ATMs which do not meet the requirements of the Central Bank to verify the authenticity of banknotes. Ryabukhin supported this idea.

«Punishment in the form of license revocation is too harsh. Banks are interested in how to improve its ATM network and to avoid losses due to acceptance of counterfeit money,» — said the Chairman of the Bank «Ugra» Dmitry Shilyaev.
To punish the ruble

The head of the Association of Russian banks (ARB) Garegin Tosunyan proposed to solve the problem, in particular, at the expense of the fines. «I don’t need to translate in the direction of withdrawal of the license, because there are regulations. Scams and crooks are always ahead of the technical devices. You can raise the bar of requirements to ATMs, to the regulations monitoring relevant ATM. License of the Bank — it’s a huge stress,» said Tosunyan RIA Novosti.

In his opinion, if the banks will have an ATM that does not meet the requirements, credit institutions must be applied economic sanctions, which mean a fine. As noted Tosunyan, the Central Bank also needs to put the issue to law enforcement in the production and distribution of counterfeit money on the territory of the Russian Federation.

A similar opinion was expressed by the head of Association of regional banks of Russia Anatoly Aksakov, who also heads the state Duma Committee on financial market.

«It is clear that if the ATM takes counterfeit banknotes, do not recognize them, such ATMs may not be operated. I don’t know about the revocation of the license, I think that should and can be punished, fined,» he told RIA Novosti.

«If the Central Bank will be hard to do, then obviously the procedure will be induced. Quite a few times severely punished, and all questions will be removed. Just needs to be certainty of punishment,» — said Aksakov.

To the question about how to encourage banks to upgrade ATM network, he recalled that there are quite stringent requirements of the Bank of Russia, and the Central Bank «just need to track the performance of their own requirements in terms of these devices for recognition of banknotes, fake or not».

Payment terminals

In turn the Director of Department of payment services and systems of the Bank «Opening» Alexander Dynin noted that announced by the regulator the problem of receiving counterfeit bills is more about not ATMs and information and payment terminals equipped with devices Polupanova cash when the customer pays cash not by the pack but one. «I think potentially it could be about a few tens of thousands of such devices» — said the expert.

In the case with ATM’s problem with counterfeit money is characteristic only for very old devices, and their number is constantly decreasing due to decommissioning, said Dynin.

«In my opinion, it is possible to speak about necessity of introduction of more strict control over the quality of the applied validators or strict regulations with a list of approved devices. Ultimately, to apply the technique with a low level of protection against forgery is not in the interests primarily of the banks themselves,» — said the expert.

ATMs with devices for receiving bills are fairly modern devices, and such models that do not meet the requirements of the Central Bank in terms of authentication of banknotes, most likely, a small amount, and only in remote regions, continues Shilyaev from the «Ugra».

«The increased risk of accepting counterfeit bills are rather payment terminals, more modest in its technical stuffing and the number of legacy devices is much higher ATMs», — said the head of the Bank.

According to him, «Yugra» regularly updates and upgrades the Park their own devices, both from the point of view of equipment replacement and software update, which allows to minimize the risks of receiving counterfeit bills. However, Shilyaev believes that to ensure the safety and security of ATM needs, first and foremost, the manufacturers of such equipment, which are constantly analyzing the activities of fraudsters and propose innovative technical solutions.

Representatives of other major banks, in particular VTB and Sberbank, as previously assured RIA Novosti that on a regular basis take measures to protect ATMs from counterfeit bills and do not consider the problem acute for yourself.