IMPLEMENTATION OF CUSTOMER IDENTIFICATION MEASURES USING NEW DIGITAL TECHNOLOGIES

2020 ◽  
pp. 21-27
Author(s):  
Irina Mikheeva ◽  
Keyword(s):  
Personal Data ◽  
Digital Technologies ◽  
Technological Infrastructure ◽  
Blockchain Technology ◽  
Legal Risks ◽  
Customer Identification ◽  
Authentication System ◽  
Remote Identification ◽  
And Storage ◽  
Modern Technologies

The article deals with the issues of customer identification using new modern technologies that make it possible for banks to carry out more effective measures to counteract the legalization (laundering) of proceeds from crime. The author analyzes the current Russian legislation and regulations of the Bank of Russia in terms of remote identification of individual customers for individual banking operations. The mechanism of remote identification is considered, within which a technological infrastructure has been developed, including a Single biometric system and a Single identification and authentication system. The article notes that the introduction of remote identification provides advantages for both banks and Bank clients. The ability of banks to use identification data obtained by other credit institutions is the main goal of changes to the remote identification procedure. At the same time, credit organizations in such cases, taking into account the recommendation of the Basel Committee, should not forget to implement the “know your customer” policy. The paper examines the practice of Russian banks in the framework of pilot projects on the use of blockchain technology for remote identification and storage of information in relation to customers, in particular, on the example of a pilot KYC Project based on Masterchains. The author identifies the main legal risks of using new digital technologies, and emphasizes the need to ensure the safety of personal data.

scholarly journals THE DIGITAL IMPACT ON THE CONSTITUTIONAL HUMAN RIGHTS

2020 ◽  
Author(s):  
Y.V. Pechatnova
Keyword(s):  
Human Rights ◽  
Personal Data ◽  
Digital Technologies ◽  
Controversial Issues ◽  
Constitutional Rights ◽  
Audit System ◽  
Digital Era ◽  
Legal Risks ◽  
Two Component ◽  
Reading System

The article analyzes the controversial issues of protecting the constitutional rights of citizens to information, to privacy, as well as to preserve the secrecy of correspondence, telephone conversations, and other messages in the digital era. The study identifi es major legal risks of using the advanced information processing methods in the new digital reality: fi rst, the risk of unintentional deanonymization of personal data; secondly, the risk of generating falsifi ed information. We propose solutions, such as introducing an information audit system and a two-component information reading system. They can help to overcome the legal risks of data deanonymization and information falsifi cation. We conclude that digital technologies have a signifi cant impact on the content and methods of protecting some constitutional rights of citizens.

scholarly journals Russian experience of using digital technologies and legal risks of AI

2020 ◽  
Vol 224 ◽  
pp. 03005
Author(s):  
Elena Trikoz ◽  
Elena Gulyaeva ◽  
Konstantin Belyaev
Keyword(s):  
Personal Data ◽  
Digital Technologies ◽  
Legal Regulation ◽  
International Standards ◽  
Practical Implementation ◽  
Scientific Methods ◽  
Legal Provisions ◽  
Legal Risks ◽  
Analysis And Synthesis ◽  
General Scientific

The aim of the present article is to analyze the Russian experience of using digital technologies in law and legal risks of artificial intelligence (AI). The result of the present research is the author’s conclusion on the necessity of the practical implementation of legal provisions in this area, and their judicial enforcement in federal subjects with the aim of compliance with international standards of human rights. The authors concluded that in the Russian Federation, there is no normative and technical regulation of the process of destruction of personal data, which creates serious problems for operators. The research methodology based on general scientific and private scientific methods of cognition (the dialectical method, methods of analysis and synthesis, deduction and induction, comparative legal and historical legal methods). Moreover, the range of legislative and law enforcement problems in the field of using AI technology is very extensive. For this reason, the authors of the article used the methodology for collecting data on legislative acts and legal regulation in the field under research. A number of federal and regional legal acts were analyzed using systemic-structural and formal-dogmatic methods, including the research of their practical orientation and effectiveness for modern challenges.

scholarly journals ARTIFICIAL INTELLIGENCE AND LAW: PROBLEMS AND PROSPECTS

2020 ◽  
pp. 14-18
Author(s):  
A.A. Vasiliev ◽  
Y.V. Pechatnova
Keyword(s):  
Artificial Intelligence ◽  
Rapid Development ◽  
Digital Technologies ◽  
Legal Regulation ◽  
Scientific Field ◽  
Practical Significance ◽  
Artificial Intelligence And Law ◽  
Legal Risks ◽  
Digital Law ◽  
Modern Technologies

In the modern scientific space, artificial intelligence researches are becoming popular and, as theresult, disputes about the prospects and risks of its wider use are growing. The rapid development ofdigital technologies causes the urgent need of expansion the boundaries in the sphere of legal regulationand emergence new segments in it. Today, the development of digital technologies demonstrates the longterm tendency to reduce the protective abilities of existing legal institutions, which aggravates the conflictbetween the advantages of modern technologies and current legislation. In this regard, it seems relevant to study the concept of artificial intelligence, its appearance as an independent scientific field, as well as thelegal risks of using artificial intelligence and ways to overcome them.The social and practical significance of the study lies in the search for optimal legal regulation, which,in turn, will facilitate the unhindered introduction of the latest technologies, which are the catalyst foreconomic growth and contribute to the development of the digital economy.Keywords: digital technologies, digital law, artificial intelligence, legal risks, digital economy

scholarly journals Maintaining the security of attorney-client privilege while using modern technologies and electronic devices

2021 ◽  
pp. 218-223
Author(s):  
M. I. Kogan
Keyword(s):  
Electronic Devices ◽  
Digital Technologies ◽  
Confidential Information ◽  
Ethical Duty ◽  
Digital Era ◽  
Other Information ◽  
The Subject ◽  
Bar Association ◽  
And Storage ◽  
Modern Technologies

The development of digital technologies leads to significant changes in the forms of communication between an attorney and his client, as well as in the procedure and conditions of storing an attorney’s dossier and other information received by an attorney that is a subject of attorney-client privilege. The article is devoted to the problems of maintaining the security of attorney-client privilege in attorney’s work with the confidential information using modern technologies including mobile phones and other technical devices. The author believes that in the digital era attorney should pay increased attention to the problem of interaction with information in electronic form, as well as its transfer and storage to maintain the security of attorney-client privilege. The author notes that training in the issue of interaction with modern technologies is an ethical duty of an attorney, indicates that in order to solve this problem is required the cooperation of bar association with technical specialists in the field of digital technologies is necessary. The main point of the article is to determine the measure of attorney’s reasonableness while storing and transferring confidential information and to develop additional recommendatory measures to protect information being the subject of attorney-client privilege.

scholarly journals LEGAL RISKS OF SING DIGITAL TECHNOLOGIES IN BANKING

2019 ◽  
pp. 32-39
Author(s):  
V. M. Kamalyan
Keyword(s):  
Digital Technologies ◽  
Legal Regulation ◽  
International Standards ◽  
Smart Contracts ◽  
National Legislation ◽  
Blockchain Technology ◽  
Smart Contract ◽  
Legal Risks ◽  
Proceeds Of Crime ◽  
Financing Of Terrorism

Based on the analysis of legal risks of using smart contracts in banking activities, the author concludes that there is a need for special legal regulation of the use of digital technologies in banking, which would minimize the legal risks examined in the paper. The author believes that such legal regulation in order to minimize legal risks should define a smart contract as a way of fulfillment of obligations rather than as a design of a contract concluded in writing. Analyzing the legal risks associated with the person identity during the introduction of digital technologies in banking, the author suggests the use of blockchain technology as the basis of the system of identification of customers using exclusively the advantages of this technology in compliance with the requirements of international standards and national legislation regulating counteraction to laundering of proceeds of crime and financing of terrorism. This solution will simplify and protect the system of identification and processing of data regarding the clients of banks, but it requires effective state support and legal regulation.

Technical fitting-out of agriculture in terms of digitalization: A theoretical background

2020 ◽  
Vol 18 (12) ◽  
pp. 2391-2405
Author(s):  
A.K. Subaeva ◽  
G.S. Klychova ◽  
L.M. Mavlieva
Keyword(s):  
Production Process ◽  
Digital Technologies ◽  
Theoretical Background ◽  
Digital Economy ◽  
Energy Resources ◽  
High Quality ◽  
Study Methods ◽  
Technological Infrastructure ◽  
Agricultural Enterprises ◽  
Technological Processes

Subject. This article discusses the issues related to the technological infrastructure of agriculture, improving the efficiency of energy resources, minimizing labor and material costs, and ensuring the continuity of the production process. Objectives. The article aims to study methods to improve the technological infrastructure of agricultural enterprises in the digital economy terms. Methods. For the study, we used the methods of comparison and classification. Results. The article describes patterns of development of technological processes in agriculture in the digital economy. Conclusions. The technical fitting-out of agriculture in the digital economy should be considered as a set of measures to prepare the industry for the production of high-quality products, which implies the use of digital technologies that minimize human participation in the production process.

scholarly journals Circular Digital Built Environment: An Emerging Framework

2021 ◽  
Vol 13 (11) ◽  
pp. 6348
Author(s):  
Sultan Çetin ◽  
Catherine De Wolf ◽  
Nancy Bocken
Keyword(s):  
Built Environment ◽  
Circular Economy ◽  
Digital Technologies ◽  
Geographical Information ◽  
Digital Platforms ◽  
Blockchain Technology ◽  
Digital Twins ◽  
Starting Point ◽  
Building Information ◽  
Framework Development

Digital technologies are considered to be an essential enabler of the circular economy in various industries. However, to date, very few studies have investigated which digital technologies could enable the circular economy in the built environment. This study specifically focuses on the built environment as one of the largest, most energy- and material-intensive industries globally, and investigates the following question: which digital technologies potentially enable a circular economy in the built environment, and in what ways? The research uses an iterative stepwise method: (1) framework development based on regenerating, narrowing, slowing and closing resource loop principles; (2) expert workshops to understand the usage of digital technologies in a circular built environment; (3) a literature and practice review to further populate the emerging framework with relevant digital technologies; and (4) the final mapping of digital technologies onto the framework. This study develops a novel Circular Digital Built Environment framework. It identifies and maps ten enabling digital technologies to facilitate a circular economy in the built environment. These include: (1) additive/robotic manufacturing, (2) artificial intelligence, (3) big data and analytics, (4) blockchain technology, (5) building information modelling, (6) digital platforms/marketplaces, (7) digital twins, (8) the geographical information system, (9) material passports/databanks, and (10) the internet of things. The framework provides a fruitful starting point for the novel research avenue at the intersection of circular economy, digital technology and the built environment, and gives practitioners inspiration for sustainable innovation in the sector.

scholarly journals Using Blockchain Technology to Foster Collaboration among Shippers and Carriers in the Trucking Industry: A Design Science Research Approach

Logistics ◽  
2021 ◽  
Vol 5 (2) ◽  
pp. 37
Author(s):  
Serkan Alacam ◽  
Asli Sencer
Keyword(s):  
Private Information ◽  
Design Science ◽  
Science Research ◽  
Trucking Industry ◽  
Research Approach ◽  
Blockchain Technology ◽  
Storage Solutions ◽  
Sustainability Problems ◽  
And Storage ◽  
Industry Professionals

In the global trucking industry, vertical collaboration between shippers and carriers is attained by intermediaries, called brokers. Brokers organize carriers for a shipper in accordance with its quality and price requirements, and support carriers to collaborate horizontally by sharing a large distribution order from a shipper. Brokers also act as trustees, preventing the passing of private information of any party to the others. Despite these benefits, intermediaries in the trucking industry are involved in several sustainability problems, including high costs, high levels of carbon emissions, high percentages of empty miles, low-capacity utilizations, and driver shortages. Several studies have acknowledged the importance of improving collaboration to address these problems. Obviously, the major concern of brokers is not collaboration, but rather to optimize their own gains. This paper investigates the potential of blockchain technology to improve collaboration in the trucking industry, by eliminating brokers while preserving their responsibilities as organizers and trustees. This paper extends the transportation control tower concept from the logistics literature, and presents a system architecture for its implementation through smart contracts on a blockchain network. In the proposed system, the scalability and privacy of trucking operations are ensured through integration with privacy-preserving off-chain computation and storage solutions (running outside of the blockchain). The potential of this design artifact for fostering collaboration in the trucking industry was evaluated by both blockchain technology experts and trucking industry professionals.

Digital Technologies in Everyday Life of the Russians

2021 ◽  
Vol 28 (3) ◽  
pp. 45-55
Author(s):  
O. V. Kuchmaeva ◽  
M. Yu. Arkhipova
Keyword(s):  
Everyday Life ◽  
Information And Communication Technologies ◽  
Financial Services ◽  
Classification Tree ◽  
Digital Technologies ◽  
Living Environment ◽  
Educational Process ◽  
Telecommunication Networks ◽  
Main Factors ◽  
Modern Technologies

The development of innovations changes the usual living environment of people, affects their standard of living and lifestyle. The purpose of the article is to identify the main factors that determine the attitude of the Russians to innovations and contribute to their spread in everyday life. Findings based on the data of sample surveys, in particular the Comprehensive survey of living conditions of the population (2016), sample Federal statistical observation on the use of information technologies and information and telecommunication networks by the population (2018), and the materials of the Russian Longitudinal Monitoring Survey (RLMS) and the authors’ research conducted in 2017 in Moscow and the Moscow region. The authors used a set of methods for statistical data analysis. The application of the classification tree method revealed the main factors that influence the use of innovative technologies in everyday practice. Factor analysis was used to determine the specifics of Internet use by the Russians. The two-step cluster analysis procedure allowed to form two typology groups (clusters) of respondents depending on their use of such innovative practice as distance financial services. A positive attitude to innovation and information and communication technologies is determined by the experience of using modern technologies in the educational process, the age and interest (readiness) of respondents to use innovations and digital technologies in everyday life. The attitude to innovation is largely determined by the psychological characteristics of the respondent, their willingness to accept innovations. Although innovative practices such as tablet use and distance financial services are widely distributed, their prevalence is determined by similar factors. At the macro level, the parameters of the image and quality of life in various types of settlements, and the involvement in modern technologies in the workplace have an impact. The social and professional status of the person plays a more crucial role than the type of economic activity.

scholarly journals The use of digital technology in the public administration

2021 ◽  
Vol 21 (4) ◽  
pp. 419-428
Author(s):  
Sergey E. Channov ◽  
Keyword(s):  
Information Systems ◽  
Public Administration ◽  
Russian Federation ◽  
Public Information ◽  
Personal Data ◽  
Digital Technologies ◽  
Specific Area ◽  
Negative Consequences ◽  
The Public ◽  
The Russian Federation

Introduction. The article is devoted to the use of digital technologies in the field of public administration using the example of state and municipal information systems. Currently, two types of such systems can be distinguished in the Russian Federation: 1) allowing direct enforcement activities; 2) used to capture certain information. Theoretical analysis. Information systems of the first type acquire the properties of an object of complex legal relations, in which suppliers and consumers of information, government bodies, as well as other persons become participants. This entails the fact that in the implementation of public administration, the source of regulation of public relations to a certain extent becomes the program code of these information systems. Accordingly, any failures and errors in the public information system become facts of legal importance. Empirical analysis. The main risks of using information systems of the second type in public administration relate to the illegal access (or use) of information stored in their databases. The consolidation of databases containing different types of information is a serious threat. In this regard, the creation of the Unified Federal Information Register containing information about the population of the Russian Federation, provided for by the Federal Law No. 168-FZ of 08.06.2020, may lead to a large number of socially negative consequences and comes into obvious conflict with the legislation on personal data. Results. State and municipal information systems themselves can improve public administration, including reducing corruption in the country. At the same time, their reduced discretion in management decisions is not always appropriate. Accordingly, their implementation should be preceded by the analysis of the characteristics of a specific area of management, as well as the proposed use of digital technologies.

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