MOSCOW, February 22 – RIA Novosti. Russian banks may have access to a large amount of information about customers, including data on their location and recent movements. They use this information in their work – for example, to assess the client's solvency or block suspicious transactions, Viktor Dostov, head of the Association of Electronic Money and Money Transfer Market Participants, told RIA Novosti. “The longest use is an approximate location estimate by IP address. to an Internet bank from another country, this may raise suspicions. Of course, it is usually impossible to identify a specific street, house or apartment by IP if you do not have access to the Internet provider's database. The model of combating card fraud is similarly built: payments to different continents in the course of one day are certainly regarded as high-risk, “explains the expert.
Now, instead of the IP address, you can use the geolocation of the mobile device – it is more accurate. The device itself sees its location via GPS and can share with application or operating system developers. True, it is not always available, Dostov draws attention: for example, if a client is in a semi-basement room, the quality of the location drops dramatically.
Some time ago, it was proposed to check the client's geolocation with every card payment to make sure that the person and the card are in the same place. But this idea was abandoned, since there is a high risk of errors, and it is rather difficult to implement it technically, the expert says. “Another option is to obtain data on the location and movements of the client from cellular operators. This is quite expensive information, and it is not impersonal, so it processing is associated with regulatory risks. Such information is useful not only for combating fraud, but also for assessing solvency. For example, how often a person travels abroad, does it go to expensive stores, whether it lives at the place of registration and goes to work regularly “, – adds Dostov.
Of course, all this is only indirect information that is analyzed in conjunction with other sources – for example, income statements, he noted. Now the main discussion regarding this practice is unfolding in the plane of protecting personal information and preventing abuse. For example, it is wrong to offer a client an expensive loan if he works from home or for some reason lives in a cheaper area.