The state Duma adopted the law about the remote authentication of Bank customers

© RIA Novosti / Vladimir Fedorenkova in photobacteria meeting of the state Duma of the Russian Federation. 20 Dec 2017The state Duma adopted the law about the remote authentication of Bank customers© RIA Novosti / Vladimir Fedorenkova the image Bank

The state Duma adopted a law that allows biometric data to carry out remote identification of potential Bank customers.

The document is aimed at establishment of a mechanism for the remote identification of customers of credit institutions — individuals using their biometric personal data (facial image, voice). Such identification will be carried out using a unified system of identification and authentication (ESIA) and the confirmation of biometric data in a single biometric system (EBS).

The operator of EBS will provide the interior Ministry and the FSB is placed in the system information in accordance with RF government order. It is assumed that this operator Rostelecom, said on the eve of the RIA Novosti Chairman of the Committee on financial market Anatoly Aksakov. He stressed that the information will be provided at the request of these power structures and to relate information about individuals suspected of criminal offences, terrorist acts.

The statutory mechanism allows banks to open accounts (deposits) of clients — citizens without their personal presence using the Internet. The Bank of Russia will have the right to forbid the Bank to conduct remote identification of customers — natural persons in case of repeated within one year of violation of the requirements for mandatory control of transactions with monetary funds or other assets.

How is remote authentication

Aksakov told about the mechanism of remote authentication. According to him, the physical need once come any Bank having the right to enroll persons in ESIA and EAS. The Bank will hold the identification of individuals in personal appearance and register it in ESIA, (in the absence of an account in that system) will take biometric samples (face and voice) and send to the EAS.

If a citizen wants to choose another Bank, then once logged in ESIA and verifying biometric data using a smartphone, tablet or computer with camera and microphone by comparing with the previously introduced biometric samples, it will be able to open an account (Deposit) to get credit to make the transfer.

If the data coincide, the Bank decides on the provision of services, and if there is any doubt, he will have the right to refuse service, explained the Deputy. In order to further protect the physical person’s biometric data will be stored in EBS in an anonymised form apart from identification data (name, passport, SNILS, etc.) included in the IAIS database.

The link between the systems will be carried out by a unique number, said Aksakov. Data about an individual in the ESIA will be updated bodies — owners of government information systems (Ministry of internal Affairs, pension Fund of Russia, etc.). Control and supervision over the implementation of organizational and technical measures for ensuring personal data security during their processing in the EBS is carried out of the FSB of Russia and FSTEK, as part of the Bank — the Bank of Russia.

The original mechanism for remote authentication will be implemented only in the banking sector. After successful implementation in the banking sector mechanism for remote authentication can be extended «to other sectors of the economy (public, insurance, pension, microfinance and other services)», said the head of the Committee on Finance.

«The use of this mechanism for remote authentication, it will be convenient for citizens living in remote regions for people with disabilities because they no longer need to visit the Bank’s office, stand in line,» — said Aksakov. However, he admits that subsequently, the list of operations available when remote authentication can be expanded.