Vestnik Policii

3-9

Authors: Maria A. Belova, Vasilisa I. Ryskina

This article discusses a new technology for creating bank cards, such as biometric bank cards, which use a combination of a fingerprint scanner and EMV technology. With this method of protecting the card, it is necessary to register the fingerprint. This can be easily done at home using your phone and scanner, or the credit card provider can do it himself. The fingerprint is then encrypted and stored on your card. At the same time, it was noted that the majority of consumers are ready to make changes to the solution for biometric payments, despite some reservations regarding security. The article presents and analyzes the pros and cons of this card system, and also explains how biometric bank cards differ from conventional credit bank cards with contactless payment. It is concluded that the use of biometrics for bank cards will significantly increase the level of its security. The main obstacle to their implementation is that it costs 20 times more to create a biometric credit card than a conventional one, but the cost of new technology always decreases over time.

19-25

Authors: Vasilisa I. Ryskina, Maria A. Belova

This article discusses the place that commercial banks play in terrorist financing. The facts are also given why commercial banks should be under strict control and monitoring by the specialized administrative department "Financial Intelligence". In addition, considers the measures that exist to combat such crimes as terrorism in commercial banks. What methods of transferring funds exist, under what names and organizations they are carried out. How and how it is possible to suspend or prevent “suspicious transactions” and what a bank employee should take when the suspected of financing terrorism. Credit organizations are one of the main mechanisms for financing terrorism, therefore, when carrying out the main activities of their preventive measures against the use of a bank, the main activities are carried out to prevent the financing of terrorism in accordance with national legislation for the above purposes. A number of recommendations are presented, the implementation of which will make it possible in practice to reduce the likelihood of using a commercial bank for financing terrorism and other illegal actions.