Man
Professional
- Messages
- 3,079
- Reaction score
- 615
- Points
- 113
The new initiative is aimed at protecting against fraudsters.
The Ministry of Digital Transformation is discussing with telecom operators the possibility of banning the sending of SMS during calls. The introduction of such restrictions is aimed at preventing fraudulent activities related to the transmission of confidential data, such as verification codes. Minister of Digital Development Maksut Shadayev voiced this proposal at the conference "Customer Safety First", Vedomosti writes.
"You can set up rules on the operators' networks so that SMS come after the end of the call," Shadayev explained.
The package of measures under discussion includes about 30 initiatives to combat cyber fraud. The ban on sending SMS during a call may become one of the norms that will be formalized in the bill.
According to analysts, the implementation of functionality that restricts the sending of SMS during calls does not present significant technical difficulties. The implementation of such measures only requires adjusting network settings. Experts note that such changes can also be applied to calls made through instant messengers. Such improvements are considered as minimal interference in existing business processes, which will not require significant costs.
Maksut Shadayev also said that other measures aimed at combating fraudsters are being discussed. Among them are the introduction of a two-day "cooling off period" when applying for loans and the addition of a second trusted contact for financial transactions.
The minister gave an example: in the case of mass registration of loans by one person, the National Bureau of Credit Histories will be able to set a "cooling period" for the issuance of loans. A second trusted contact will be required for transactions that exceed a predetermined limit. Shadaev explained that in the event of a suspicious transaction, the second authorized person must confirm the transaction.
Earlier, Vedomosti reported on the Central Bank's plans to introduce a "cooling period". The Ministry of Finance supported the development of the relevant bill. The waiting time is supposed to vary depending on the amount: for amounts up to 50,000 rubles, the period was not expected, for a loan of 50,000-200,000 rubles, the borrower will have to wait 4 hours, and for a larger amount - 48 hours before he receives the money.
Sergey Veligodsky, Director of the Anti-Fraud Department of Sberbank, specified the scope of the "cold period": obtaining a loan, issuing a card, withdrawing funds from a deposit. Banks will have the right to stop these transactions for two days if there is a suspicion that the client is under the influence of a fraudster. According to him, most of the victims realize the fact of fraud only a day later, which determined the choice of time interval. The bill is planned to be submitted to the State Duma by the end of this year.
Experts emphasize the need for a "cooling period" for critical and suspicious transactions. At the same time, attention is focused on the importance of developing criteria for such transactions using in-depth scoring (analysis of the borrower's creditworthiness). According to experts, the second confirmation from the authorized person is of particular relevance for two categories of citizens - young people and people over 65 years old. The system of proxies could also work effectively to minimize the risks associated with the public services portal.
According to Beeline CEO Sergey Anokhin, there is a problem of responding to cases when subscribers report the theft of access to the public services portal. Now the operator is negotiating with the Ministry of Digital Development on the introduction of a mechanism for suspending the provision of services on the portal when receiving a signal about a possible account takeover.
Rostelecom President Mikhail Oseevsky confirmed that there are frequent cases of seizure of accounts on the public services portal. Users receive notifications from the state portal to replace the password, which means attempts by criminals who own SNILS or a phone number to take possession of the page. According to the head of the company, the problem is a consequence of the fact that a huge number of companies are personal data operators, so such information should be centralized in a limited number of places that can be properly protected.
Sergey Anokhin also noted an increase in the number of fraudulent calls through instant messengers. Their share has increased from 33% in 2022 to 89% this year. "Nine out of ten calls through messengers are now made by attackers," he said.
Messenger is a tool that allows you to exchange different types of files, Veligodsky draws attention. There are so-called doppelganger phones: one phone is legally owned by a law-abiding citizen, and the "second entity" is controlled by an attacker who has linked the number to the messenger and can perform any actions on behalf of the owner of the number, including sending fake documents or committing other illegal actions.
Technologically, Roskomnadzor may begin to block calls through messengers if they violate the requirements of Russian legislation in the process of combating fraud, warned the head of Roskomnadzor Andrey Lipov at the Spektr forum in October. As he explained, a set of requirements for foreign messengers in terms of skipping calls can be developed in Russia to protect citizens from fraudsters. The messenger will have to allow a citizen to independently limit the reception of certain calls - from abroad or not from his address book. In this case, Roskomnadzor will be able to impose temporary bans on all calls through a particular platform until these requirements are met.
Source
The Ministry of Digital Transformation is discussing with telecom operators the possibility of banning the sending of SMS during calls. The introduction of such restrictions is aimed at preventing fraudulent activities related to the transmission of confidential data, such as verification codes. Minister of Digital Development Maksut Shadayev voiced this proposal at the conference "Customer Safety First", Vedomosti writes.
"You can set up rules on the operators' networks so that SMS come after the end of the call," Shadayev explained.
The package of measures under discussion includes about 30 initiatives to combat cyber fraud. The ban on sending SMS during a call may become one of the norms that will be formalized in the bill.
According to analysts, the implementation of functionality that restricts the sending of SMS during calls does not present significant technical difficulties. The implementation of such measures only requires adjusting network settings. Experts note that such changes can also be applied to calls made through instant messengers. Such improvements are considered as minimal interference in existing business processes, which will not require significant costs.
Maksut Shadayev also said that other measures aimed at combating fraudsters are being discussed. Among them are the introduction of a two-day "cooling off period" when applying for loans and the addition of a second trusted contact for financial transactions.
The minister gave an example: in the case of mass registration of loans by one person, the National Bureau of Credit Histories will be able to set a "cooling period" for the issuance of loans. A second trusted contact will be required for transactions that exceed a predetermined limit. Shadaev explained that in the event of a suspicious transaction, the second authorized person must confirm the transaction.
Earlier, Vedomosti reported on the Central Bank's plans to introduce a "cooling period". The Ministry of Finance supported the development of the relevant bill. The waiting time is supposed to vary depending on the amount: for amounts up to 50,000 rubles, the period was not expected, for a loan of 50,000-200,000 rubles, the borrower will have to wait 4 hours, and for a larger amount - 48 hours before he receives the money.
Sergey Veligodsky, Director of the Anti-Fraud Department of Sberbank, specified the scope of the "cold period": obtaining a loan, issuing a card, withdrawing funds from a deposit. Banks will have the right to stop these transactions for two days if there is a suspicion that the client is under the influence of a fraudster. According to him, most of the victims realize the fact of fraud only a day later, which determined the choice of time interval. The bill is planned to be submitted to the State Duma by the end of this year.
Experts emphasize the need for a "cooling period" for critical and suspicious transactions. At the same time, attention is focused on the importance of developing criteria for such transactions using in-depth scoring (analysis of the borrower's creditworthiness). According to experts, the second confirmation from the authorized person is of particular relevance for two categories of citizens - young people and people over 65 years old. The system of proxies could also work effectively to minimize the risks associated with the public services portal.
According to Beeline CEO Sergey Anokhin, there is a problem of responding to cases when subscribers report the theft of access to the public services portal. Now the operator is negotiating with the Ministry of Digital Development on the introduction of a mechanism for suspending the provision of services on the portal when receiving a signal about a possible account takeover.
Rostelecom President Mikhail Oseevsky confirmed that there are frequent cases of seizure of accounts on the public services portal. Users receive notifications from the state portal to replace the password, which means attempts by criminals who own SNILS or a phone number to take possession of the page. According to the head of the company, the problem is a consequence of the fact that a huge number of companies are personal data operators, so such information should be centralized in a limited number of places that can be properly protected.
Sergey Anokhin also noted an increase in the number of fraudulent calls through instant messengers. Their share has increased from 33% in 2022 to 89% this year. "Nine out of ten calls through messengers are now made by attackers," he said.
Messenger is a tool that allows you to exchange different types of files, Veligodsky draws attention. There are so-called doppelganger phones: one phone is legally owned by a law-abiding citizen, and the "second entity" is controlled by an attacker who has linked the number to the messenger and can perform any actions on behalf of the owner of the number, including sending fake documents or committing other illegal actions.
Technologically, Roskomnadzor may begin to block calls through messengers if they violate the requirements of Russian legislation in the process of combating fraud, warned the head of Roskomnadzor Andrey Lipov at the Spektr forum in October. As he explained, a set of requirements for foreign messengers in terms of skipping calls can be developed in Russia to protect citizens from fraudsters. The messenger will have to allow a citizen to independently limit the reception of certain calls - from abroad or not from his address book. In this case, Roskomnadzor will be able to impose temporary bans on all calls through a particular platform until these requirements are met.
Source
