And again we saw seven days pass by us. And that means - the time of the new digest. Today it has such topics:
- Central Bank struggles with money laundering;
- China will regulate cryptocurrency activities with new rules;
- In Russia, digital literacy is not very high;
- The defense ministry loved the blockchain.
CB, banks and money laundering
The Central Bank issued a new provision that obliges banks to analyze the settings and parameters of the devices with which customers transfer money. These devices will be assigned identifiers. If different customers have such identifiers match, the bank will consider such customers as potentially dangerous.
Currently, many banks identify various parameters of user devices, including, for example, IP addresses. But in order to comply with the new requirements of the Central Bank, substantial improvements are needed in existing technologies and methods that are already working.
As for customers who have been assigned a high level of risk, there will be no restrictions for them (in any case, they say so now), the bank will simply pay more attention to them. According to the Central Bank, identifying identical device identifiers will make it possible to detect entire “dispatch centers” of fraudsters when, from a single computer, attackers enter the Internet banks of a large number of companies controlled by them.
To compile an identifier, it is planned to collect hundreds of parameters, including information about the device itself, its characteristics, environments, user behavior patterns, and much more.
Securities and blockchain
Today, another news regarding the Central Bank. The fact is that the Bank of Russia clarified the order of operations on letters of credit using the blockchain.
“The project clarifies the procedure for crediting funds to the bank account of the recipient of funds, as well as features of information exchange and presentation of documents on the letter of credit in electronic form using information systems, including distributed information systems (blockchain),” the explanatory note to the document reads.
So, in order for the relevant document to be considered provided, the bank that received it must be able to open it, read it and check it for compliance with the conditions of the letter of credit.
Digital environment and Russian preparedness for it
Another interesting study
revealed that only a quarter of Russians can demonstrate a high level of basic competences in the digital environment. The digital literacy index was 52 pp. out of 100 possible.
In addition, only 38% of respondents make backup copies of their own data. 44% do not know how to act correctly if a letter comes from a familiar person with a virus.
The study was carried out on the basis of population surveys, as well as global practices for assessing the digital competencies of the adult population.
Ministry of Defense, state secrets and blockchain
In Russia, many commercial organizations are eyeing the potential of the blockchain. But government agencies are also interested in the blockchain. Thus, the Russian Defense Ministry is now beginning work on the implementation of a distributed registry technology to protect databases and detect traces of hacker attacks on state secrets.
The fact is that the Russian military use resources with access to the global network to store documents of economic departments. And this information is a potential target for hackers. In order to solve the problem, it was decided to use the blockchain.
“Using a magazine distributed to several devices (for example, in the form of a blockchain), such a risk can be minimized,”
said Alexey Malanov, an expert at Kaspersky Lab.
China and cryptocurrencies - new round
In China, cryptocurrency activity is highly regulated. But in addition to the already existing measures, the government is going to add new ones.
In particular, the China Banking Regulatory Commission (CBRC)
is in
favor of introducing licensing of cryptocurrency activities.
It may well be that soon any capital transactions that are somehow connected with the blockchain, cryptocurrency, ICO will be considered as financial services.
“Such transactions must be placed within the framework of financial regulation, and cryptocurrency companies must be licensed and operate in accordance with the law,” the CBRC said.