Kursk residents received a single payment document: to pay or not

03/02/2015, Mon, 10:03, Moscow time

About the technologies it offers Russian regions FAO "UEK" and how they can change citizens, Alexey Popov, president of "UEK", spoke in an interview with CNews.

CNews: Mandatory issuance of universal electronic cards has been postponed from January 1, 2015 to January 1, 2017. How will the project develop during this period?

Alexey Popov: Currently, everyone is waiting for a legislative act that will finally determine when the issuance of an electronic passport will begin. How the universal will develop depends on this electronic card, which was initially positioned as its predecessor.

Of course, we are still actively working on the use of universal electronic cards in the MFC infrastructure, which is being developed by the regions. Subsequently, an electronic passport will be accepted in the same infrastructure.

In addition, we are actively working on creating regional systems in the field of housing and communal services, transport and organizing the reception of various card products. Today our partners include more than 10 regions. I would especially like to mention the Tula region, in all districts of which it has already been provided one system billing in housing and communal services. This is the basis of the GIS housing and communal services in the region, which is stated in the federal law.

Transport billing also works in the Tula region. A differentiated tariff has been introduced there - a trip in cash costs 20 rubles, and with cards - 15 rubles. This makes UEC and other bank and transport cards very popular.

CNews: Your company invites regions to create ECPiB. Under what conditions are the Centers created? What opportunities do they provide to the regions?

Alexey Popov: The Unified Processing and Billing Center is an organization that takes care of all transactions in the housing and public utilities sector and in the transport sector. The center is being created by the regional administration with the support of the “Universal Electronic Card”. Sometimes other regional investors also take part in the project, but the main shareholders remain the administration and UEC. ECPiB assumes responsibility for issuing housing and communal services receipts and recording travel in transport.

Why is this interesting for the regional administration? By what we decide socially important tasks. And not just socially important, but, in some cases, legally assigned to administrations. And the administration does not spend money on this. It does this at the expense of investors such as UEC. In addition, the administration has at its disposal the entire powerful infrastructure of Sberbank, in which citizens can pay for housing and communal services and replenish their transport wallet.

CNews: What responsibilities does UEC take on during the creation of the ECPiB?

Alexey Popov: Firstly, we are the investor of the project. Secondly, we supply all the software and hardware solutions needed cloud services. Thanks to this region, there is no need to independently deploy complex software products or invest in infrastructure. Thirdly, we act as an integration operator - we have already developed certain rules for organizing the work of the center, to which all project participants adhere. Thus, the need to conclude a separate agreement with each of them disappears.

In fact, we are creating a unified payment service system that provides not only payment, but also services. In addition, we have a non-banking credit organisation“Universal electronic card”, which ensures the splitting of all payments in accordance with the law. That is, each recipient - supplier of electricity, water, gas, etc. - receives exactly his own payment. The same applies to the owners of each transport route.

Participants at the recently held Housing and Communal Services Congress said that the main problem of the industry is the opacity of financial flows. The payment discipline of citizens is good, but the money does not reach service providers. Our solution solves this problem.

In addition, the creation of the ECPiB allows the region to fulfill the requirements of the federal law on the creation of a GIS housing and communal services without spending significant budget resources on it.

As for transport, today regional authorities are forced to compensate the carrier for trips preferential categories citizens, without having accurate information about how many such trips were made. We help take into account the trips of beneficiaries, which allows them to be financed strictly according to their number. In addition, our solutions “whiten” and significantly increase the revenue of transport companies.

CNews: Is your company creating a regional segment of GIS housing and communal services in the Tula region? What are the results of the project?

Alexey Popov: The regional center created in Tula united all participants in the housing and communal services market - these include municipalities, management companies, and service providers. Now they all communicate with each other not directly, but through a single gateway. We are now actively working with the Ministry of Telecom and Mass Communications towards its integration with the federal GIS Housing and Communal Services.

CNews: You are also actively involved in the creation of the Unified Transport Card (UTC) system. Recently, such a map called “Strelka” appeared in the Moscow region. Tell us more about this project.

Alexey Popov: Within the framework of projects to create the “Unified Transport Card” system, everything vehicles are equipped with special readers to which you can apply different cards- banking, transport, universal electronic. The map contains online wallet with a ticket, as well as information about whether the person is a beneficiary or not.

When entering the bus, a person applies this card to the reader, money is debited from it, and the trip itself is taken into account. Thus, the driver and conductor are relieved of the need to accept cash, the transport company receives the money it is entitled to, and regional authorities receive information about the travel of how many beneficiaries they must compensate. It is very important that we, as in housing and communal services, split cash flow from the service provision process.

At the end of 2014, UEK won the competition and entered into an investment contract with the government of the Moscow region and with the largest carrier Mostransavto for the implementation of a unified transport card. Now other carriers in the Moscow region are also connecting to the system. As part of this contract, we build processing at our own expense, equip vehicles with appropriate readers and keep records of all transactions, providing the necessary services to both the regional government and transport companies, and citizens.

Today the government of the Moscow region has received a powerful tool for optimizing its social spending, and for a significant increase in Mostransavto revenue.

You can replenish the unified transport card of the Moscow region "Strelka" at more than 3,000 Sberbank ATMs throughout the region, as well as in Sberbank-online, using mobile application, on the website strelkacard.ru, using Yandex. Money”, in Euroset stores. Today we sell more than 1000 cards every day. It costs 200 rubles, of which 120 rubles are immediately credited to the balance.

From March 1, Strelka is accepted to pay for train travel. From April 1, a differentiated tariff will be introduced - a bus trip with a card will cost 28 rubles, and for cash payment - 40 rubles. I think this will lead to an even more significant increase in demand for transport cards.

We are also implementing similar projects in the Tula, Kaluga, Irkutsk and Oryol regions. We are negotiating with a dozen other entities. I hope that soon residents of these regions will be able to travel using the same transport card not only within their region, but also outside it. It is very important. In fact, we are now implementing the federal standard.

In addition, as part of this project, Sberbank also began issuing bank transport cards in the Moscow region. This is a regular bank card that contains a transport application.

Troika contactless transport cards are also issued for replenishment in the Sberbank infrastructure and use in Moscow.

CNews: How do you see the development prospects for your company in the coming years?

Alexey Popov: “UEK” has found its niche in the context of constantly changing legislation both in the field of payment systems and in the field of creating an electronic passport. This niche is the creation of unified processing and billing centers. Today we consider this direction of development as one of the main ones.

Our main counterparties are governors and regional authorities, and we find a common language with them. Our counterparties are also Sberbank and other banks that are interested in any ways to increase non-cash payments through their payment products.

In addition, we are going to develop Internet services for users of the solutions we offer. This spring, on the UEC portal, residents of the Tula, Moscow, Oryol, and Kaluga regions will have Personal Area, in which they will be able not only to pay for housing and communal services, but also to enter meter readings, as well as control charges. Also on our website there will be a service for replenishing transport cards and convenient analytical services. We think these services will be in great demand.

Information and Processing Company Billing Center LLC is the operator and developer of the S3.MEGAPOLIS (SYSTEM) system for charging and accepting payments. Based on the SYSTEM, the company has created a unified information space, the participants of which are the majority of housing and communal services enterprises and banking sector. The company is a consolidating processing and billing center for participants in the housing and communal services market in Ulan-Ude and the Republic of Buryatia.

OUR SERVICES

The company provides clients with services for access to the billing payment system and information and technical services:

1. Joining the SYSTEM

2. Automation of business processes:

• conducting personal accounts;
• calculation of accruals;
• generation of invoices for payment, EPD;
• acceptance and splitting of payments;
• registration and registration of population;
• accounting of housing stock, house-to-house accounting;
• integration with GIS housing and communal services and the information system “Housing and communal services reform”;
• servicing consumers via the Internet.

3. Ensuring information interaction between participants in a single information space and processing transactions in the SYSTEM.

4. Processing, storing data, ensuring the safety and security of information.

5. Consulting and user training.

OUR CLIENTS

Currently, the SYSTEM users are more than 150 organizations, which can be grouped into the following groups:

1. Multi-apartment building management market:

• management organizations (MA)

2. Resource supply market:

• resource supply organizations

3. Market for collection and splitting of payments:

• banks
• bank payment agents
• payment acceptance operators
• payment agents
• unified settlement centers

4. Registration of citizens:

• unified passport service
• management organizations (MA)
• homeowners association (HOA)
• dormitories of educational institutions

5. Government services

• social support authorities
• local revenue department
• property management committee
• Multifunctional Center

OUR ACHIEVEMENTS

1. The company has developed, implemented and is constantly developing its own billing payment system, on the basis of which a unified information space has been created that unites more than 200 organizations.
2. With the participation of the company, a wide network of payment acceptance points has been created, including bank branches, cash settlement areas of EIRTS LLC, and cash desks of other bank payment agents. Payers can pay for housing, public utilities, communications, internet, kindergartens, security, etc.
3. A unified city database on population and housing stock has been created. The service provided, data updating and information interaction in real time ensures:

• convenience for the population (registration/extract, obtaining certificates, accepting applications for passports and other services);
• the ability to provide operational information to authorities municipal authorities, military commissariat, election commission and other state. organs;
• accuracy of calculation of the cost of housing and communal services by service providers.

WE GUARANTEE

• providing individual IT solutions to each user, taking into account their needs;
• timely provision of information and technical support SYSTEM users;
• ensuring the safety, confidentiality and security of information posted by users in the SYSTEM;
• continuous improvement and development of the SYSTEM;
• promptly making changes and improving the functionality of the SYSTEM according to customer requests.

OUR CAPABILITIES

The company employs qualified specialists with great experience on the development and implementation of various information systems. In its activities, the company uses proven technological approaches that allow it to quickly and efficiently implement IT projects of any scale and complexity. The company has its own data processing and storage center, ensures the safety and security of information, and guarantees high failure and disaster tolerance of the SYSTEM.

, electronic signature (at the moment, despite widespread advertising, EDS is not recorded on the UEC - you can find out this point by personally calling the certification center), travel ticket.

The card was issued to Russian citizens free of charge upon personal application. Using the card and the bank account connected to it is free. The validity period of the universal electronic card is 5 years.

Possibility of using the card

To order, pay and receive services, you need a device that accepts a universal electronic card: infomats and terminals installed in government institutions, ATMs and cash desks with a sticker payment system PRO100. To use a universal electronic card through a personal computer, you need to buy a card reader - a reader (reader, card reader), which connects to all modern computers via a USB port and must support the PC/SC standard.

Terminal in the clinic

Sberbank ATM

Sticker at the checkout of a store that accepts UEC for payment

List of available and planned services

Service portals

Virtual notary

Pension insurance

Medicine

Public transport

Automobile

Children and education

Sport

• section entry
• view schedule
• rental of a gym, playground, tennis court, skating rink
• booking and additional payment services - individual lessons, sports equipment
• storage of electronic tickets for sporting events
• Access to sporting events by UEC card

Culture

• view the schedule of museums, exhibitions, theaters, concerts
• purchase of electronic tickets
• storage of electronic tickets for contactless presentation
• access to cultural objects using a UEC card

Receiving money on the card

• wages
• scholarships
• pension payments
• social benefits and benefits provided for by regional and federal legislation

Charges and payment

• viewing charges for services: housing and communal services, telephone communications, Internet, television, etc.
• payment for services, including auto payments

Platform for choosing products and services

• choosing the best offer in terms of price and other parameters: car insurance, loans, services cellular communication and pay TV, etc.
• further registration of services in in electronic format using an electronic signature

MARRIAGE REGISTRY

Taxes

For individual entrepreneurs

• accepting payments from buyers
• integration with 1C
• filling out and submitting tax documents
• preparation and payment of customs duties

Online wallet- payment for goods and services on the Internet

Unified discount and bonus card - recording all discounts, bonuses and coupons on the card

Electronic key- opening doors with electronic locks programmed to work with UEC

Fishing and hunting- the opportunity to register and record on a card the right to extract aquatic biological resources throughout Russia

Legislation- the opportunity to submit to the State Duma a legislative initiative that receives 100,000 identified votes

Informing

• SMS notification
• email notification

Convenient access to all card services

• via the Internet (WEB portal)
• via mobile phone: SMS transactions, mobile portal, smartphone applications
• via TV - applications for Smart TV and set-top boxes
• using physical infrastructure: information machines, terminals, ATMs, personal readers
• mobile form factor: mobile reader, NFC

Developer Features

• ready-made sets of equipment and software for various institutions - the ability to quickly deploy an infrastructure for receiving and using UEC
• open platform for developers and entrepreneurs - the ability to use technologies, licenses and tools based on the UEC to create innovative products/services (analogous to AppStore)

Privacy and Security

The UEC contains a chip on which identification data printed on back side cards. The rest of the citizen data is still stored in government databases. Appearance The chip on the card closely resembles a SIM card chip mobile phones. It is noteworthy that in 2013, the start of implementation in the Moscow metro of a system for tracking the movements of passengers using SIM cards was announced.

The citizen’s identification data is printed on the back of the card: last name, first name, patronymic, gender, date of birth, sample signature, photograph, number bank card and its validity period, number in the compulsory pension insurance system - SNILS, number in the compulsory health insurance system - compulsory medical insurance policy.

The card chip contains the identification data indicated on the back of the card, an enhanced qualified electronic signature, transport application data about purchased tickets and remaining trips. The rest of the data about citizens is still stored in the databases of government agencies, and the UEC only helps to find the necessary records in them when the holder contacts the relevant department, using secure communication channels of the interdepartmental electronic interaction system.

The developers of the UEC claim that it is impossible to use a citizen’s data without his consent. To use the card, you must enter a pin code, which the citizen must, for security reasons, keep separately from the card and keep secret from everyone. In his personal account, a citizen can set up additional protection and limit the use of some services. If you lose your card, you can block it in your personal account or by calling hotline. Information about this is automatically sent to public services, providing electronic services, and it will be impossible to use a lost card. For convenience, you can make a duplicate of the UEC in advance in case you lose your main card.

At application collection points, documents are immediately sent to the safe without remaining on the table. Video surveillance is underway. After receiving the application, the information is sent via secure communication channels to Moscow. After the card is produced, the special communication delivery service sends a separate envelope with PIN codes and separately sends universal electronic cards - they are found only at issuing points.

Information from the card can only be read using a terminal certified by UEC OJSC. Blanks for UEC are manufactured at two factories that have joined: the state company Goznak and CJSC First Printing Dvor. Unlike bank cards, a universal electronic card is made of laser-sensitive polycarbonate, which is highly wear-resistant. Printed security measures are applied to the card. Personal information is applied using laser engraving in regional centers for personalization of universal electronic cards. Since during the laser engraving process the photographic image and text are created not on the surface of the card, but in the volume of the film, it is impossible to replace the photo or text without destroying the document. The UEC card is equipped with a microprocessor certified by the FSB of Russia in accordance with the requirements information security. The software, which is installed at the stage of connecting an electronic signature, is fully certified by the FSB and meets all the most stringent information security requirements. The cryptographic algorithms and plans for studying their security selected for UEC were recognized as meeting the highest requirements for information protection at the fifteenth international conference “RusCrypto’2013” ​​on March 30, 2013.

Features of applying and receiving a card

The UEC card was produced within 20 working days from the date of submission of the application for issuance of the UEC and was issued free of charge.

Upon receipt of the card, a citizen, at his own request, could record an electronic signature on the UEC for free (takes from 5 to 15 minutes) to use various services via the Internet, as well as open a current account in the selected bank to use the payment application.

Along with the UEC card, the citizen receives a sealed envelope with four PIN codes, which for security reasons should be kept separately from universal card and keep them secret from everyone:

PIN1 (from 4 to 8 digits) - gives the right to use the card (always entered when using the card, with the exception of payment for travel and banking services)
PIN2 (6 to 8 digits) - used for signing documents electronic signature
KRP ID (8 digits) - PIN unlock code - used if it is necessary to change/unblock PIN1 or PIN2
Bank PIN (4 digits) - gives access to banking services

Universal electronic card corresponds to international standard EMV, according to which it is usually required (the rules are established by the issuing bank) to enter a PIN code when making any payment through a terminal (for example, in stores, restaurants). To pay for transport fares, you do not need to enter a PIN code. If the UEC is lost, you are asked to call the call center at the number indicated on the back side to have the card blocked. It is recommended to write down the call center number in your phone in advance. The UEC can be replaced free of charge: in case of physical damage, in case of need to replace the microprocessor to accommodate additional applications, in case of changes in the visual (unprotected) data of the cardholder. In case of loss the issue new card its owner pays.

Positive effects expected after the introduction of a universal electronic card

The introduction of a universal electronic card should create an infrastructure for the implementation of the “one window” principle, improve the quality of public services, simplify bureaucratic procedures, increase citizens’ awareness of their rights, develop non-cash payments, reduce the number of officials, and reduce costs commercial organizations for the maintenance of front offices, reduce the burden on departments of organizations that are involved in settlements with personnel and maintaining personal files of employees (accounting, human resources department), create a market for electronic signatures for individuals.

Disadvantages of a universal electronic card

• Compared to paper documents, more short term service - only 5 years.
• Incommensurability of documents recorded on the card. Thus, losing a travel card on a bus previously did not bring much inconvenience. Now the loss or damage of the UEC, often used as a transport card, will lead to the temporary deprivation of all documents replaced by the UEC.
• Previously, the diversification of a citizen’s documents could create difficulties for foreign intelligence services in collecting complete legal information about him. Now, with the centralization of documents, the collection of information by foreign agents can be simplified. For the same reason, access of ill-wishers to the card (if they know its PIN codes) automatically leads to the availability of all options and documents replaced by it.
• The UEC bears the logo of the issuing bank of the card application. Check UEC cards tied to only one bank from among the banks that have entered into an agreement with the federal authorized organization. It is impossible, at the cardholder's own request, to change the servicing bank without replacing the card (in this case, the replacement is free). You will have to replace the card and, if necessary, make changes to the entries on its surface.
• “Intellectualization” of the card: UEC simplifies the work for civil servants, but at the same time, every citizen who owns UEC is forced to delve into the complex information and technical system of UEC functioning. This poses difficulties for people with learning disabilities and older people who have difficulty getting used to technical innovations, as well as for people who do not have the skills or are not inclined to work with a computer.
• Non-obviousness of the data on the card: it is not externally visible what is written on the card, while the information of paper documents is always available. To access card data at home, you need to purchase a card reader (reader) and install additional software for your computer.
• Increasing computer and electricity dependence: Working with paper documents is possible, although with some difficulty and limitations, without a computer and electricity. The most basic operations with the card (except for reading visual information on the card) require special energy-dependent technical means and computer equipment, although the UEC itself is non-volatile.
• The use of PIN codes implies the risk of blocking the card if the PIN code is entered incorrectly three times (there are instructions for unlocking the UEC in this case). Paper documents are not subject to this risk; the user cannot “block” them by his own mistake.
• The five-year service life of the UEC is overestimated. There is no physical protection of the UEC from wear and tear: applications requiring reading (physical contact) of the card are greater than that of a bank card, which has a similar design in the form of a plastic rectangle and is reissued more often than once every five years.
• Inability to use UEC for authorization on the portal http://www.gosuslugi.ru in an OS other than Microsoft Windows.
• Cannot be used as identification.

Transition from a universal electronic card to an electronic passport

Creation of a universal electronic card is provided federal law“On the organization of the provision of state and municipal services”. The validity period of the universal electronic card is 5 years.

Russian citizens will be able to obtain an internal electronic passport at any branch of the Federal Migration Service. The Ministry of Communications and Mass Communications plans to provide access to electronic government services in a matter of minutes, including electronic identification- in one minute, and the final receipt of the service - in no more than three minutes. After the introduction of electronic passports, new electronic services will be added to the capabilities of the UEC: online registration at the place of residence, registration legal entities online, electronic justice, electronic notary, electronic voting, electronic transactions and contracts with ID, opening new bank accounts online. It is noted that the introduction of an electronic passport is still only being planned - legislation is being developed.

Society's opinion

Public opinion polls

In 2012, according to a sociological survey by the Public Opinion Foundation, 52% of Russians support the UEC project, 30% like the multifunctionality of the UEC. It also turned out that 27% are afraid that the UEC is easy to lose and then it will be difficult to restore, 14% of respondents are afraid of fraud if the card is lost, 7% believe that unauthorized persons will gain access to their personal information.

In 2013, there were one and a half times more supporters of the UEC than opponents. During the survey public opinion It turned out that 53% of Russians approve of the emergence of a new universal electronic card, 35% hold the opposite point of view, and the remaining 12% found it difficult to answer. It also turned out that 70% of the citizens surveyed know that the UEC has begun to operate, 55% are informed only in general outline, 14% are confident that they well understand the features of the innovation. When asked about their readiness to receive a universal electronic card and use it as a replacement for paper documents, 47% of respondents answered in the affirmative, and 43% would prefer to use documents separately.

Criticism of the implementation of the UEC project

The UEC is in low demand due to poor awareness of citizens about its capabilities and low interest of some governors in the development of the project.

The UEC project is criticized, on the one hand, by journalists and experts who point out various problems in the implementation of the project or are skeptical about the possibility of successful completion of the project, on the other hand, citizens who fear total control and accounting of human life, unauthorized use or possible legal discrimination do not who have received the UEC or are unable to use it.

At the beginning of 2013, journalists reported delays in issuing cards based on applications submitted in January-February 2013. The project management confirmed that during the implementation of the project there were difficulties in covering all 83 subjects of the federation and in delivering the produced maps to the localities. The problem was that during the implementation of the program, some delivery points changed addresses, and the post office was forced to return parcels sent by Goznak back. In addition, the processing system in the branches of the authorized bank was changed in January 2013, which also led to delays. There were also discrepancies between the data provided Pension Fund Russia and the Mandatory Fund health insurance. In particular, if in one government organization a person's surname is written with an "e", and in another - with an "e", the program cannot identify the citizen. The program also did not accept double surnames typed with a hyphen.

In February 2013, journalists from the Vedomosti newspaper reported that due to the abolition of the mandatory issuance of cards, their issue would be reduced by 7 times, which casts doubt on the return on investment of the project. The following shortcomings were listed: unpreparedness of the infrastructure to accept UEC, only 100,000 out of 700,000 points trade and service enterprises ready to accept UEC for cashless payment goods and services. Journalists from the Kommersant newspaper also reported on the unpreparedness of infrastructure in particular in the Moscow region.

In January 2015, the head of the synodal department of the Russian Orthodox Church, Vsevolod Chaplin, said that in connection with foreign policy events, the process of introducing a universal electronic card had slowed down somewhat, as “new concerns arose, related to the security of the state and society, there are fears of using ours, as is now customary say, partners with electronic arrays of information for their own purposes to weaken Russia, in order to deprive it of independence, independent politics.”

international experience

In 2013, in more than 50 countries around the world, electronic documents, with the help of which you can receive government and commercial services.

ID cards are being introduced in many countries around the world. Singapore was one of the first in the world to introduce electronic passports for its residents in the early 2000s, combining an identity card and a universal key for public services. Malaysia Card contains ID app, banking app, driving license, health information and transport applications. A German biometric passport allows you to access government and commercial services and sign documents with an electronic signature. The Estonian ID card is an identity document and contains an electronic signature that allows you to sign documents and comments on the Internet, and is used for identification in Internet elections.

Electronic wallets are also being introduced in many countries around the world, in most cases they are personalized plastic cards intended for making retail payments on small amounts and payment for travel on public transport. Germany introduced the Geldkarte, which can be loaded with up to 200 euros from the cardholder's account from the bank or in exchange for customers' cash without using an account. The card works everywhere in all lands and allows you to pay for most goods and services: parking, transport, fines, groceries, and so on. In Italy and Spain, electronic wallets of several operators cover the entire territory of the countries (accepted in more than 700,000 stores) and have de facto replaced banknotes and coins from the sphere of payments for small amounts - in vending machines, cafes, kiosks, taxis, cinemas, lotteries, parking lots cars. In Hong Kong, the Octopus card allows you to pay for travel on public transport, buy goods in supermarkets and small shops, vending machines, and also pay in cafes. In the UK, Citizencard allows parents to find out about their children's purchases and block some payments: at bars, car rentals or gambling sites.

Implementation of the UEC project

Expenses for UEC

Vice President of UEC OJSC Vadim Shchepinov said that the project does not receive funds from federal budget. The development of the map and the creation of infrastructure are funded by shareholders. Part of the funds is allocated from the budget of the constituent entities of the Russian Federation for the issuance of cards and the creation of infrastructure within the region. According to Economic Development Minister Elvira Nabiullina, the cost of the project is 150-170 billion rubles. In January 2013, the President of OJSC "UEK" Alexey Popov reported that 90% of the costs are associated with the creation of infrastructure for card acceptance: contactless readers are installed in transport and terminals in government institutions, problems of interaction between participants in the unified payment and service system are being solved, technical infrastructure is being prepared, information channels are being established.

The cost of a universal electronic card is 265 rubles per card and tends to decrease. Organizing the issuance of one card per person, including the cost of IT systems, costs approximately 500 rubles.

According to the SPARK company verification system created by Interfax, about 700 thousand cards were issued from 2010 to 2016, and the company’s loss over these years amounted to more than 3 billion rubles.

IT components of the UEC project

The project has three main components. The first is the process of making a card, placement of applications, a set of rules for recording and using these applications. The second component is operating systems for issuing and servicing cards, issuing cards, and financial processing systems. The third component is the infrastructure for using the card, which includes ATMs and information machines, transport fare payment terminals, and bank self-service devices. The infrastructure for using the card was created by service providers who developed Information Systems to use the card. It took about two years to implement all three components. The project entered the stage of commercial operation on January 1, 2013, when, after lengthy testing, mass production of cards began in certain regions.

Launching an application on UEC is a long process: the application must be developed, programmed, and undergo mandatory certification. Microprocessor manufacturers should start releasing processors with this application. The federal authorized organization OJSC UEK is responsible for the mandatory federal applications placed on the card: identification, pension, medical and payment. Subjects Russian Federation are responsible for transport applications, and also independently decide on the development of additional applications. If it is necessary to additionally install applications on the UEC, the citizen will need to contact the issuing point to update his card.

Federal educational institution OJSC "Universal electronic card"

Universal electronic card
Type	public corporation
Base
Location	Moscow
Key figures	Alexey Popov (president)
Parent company	Sberbank of Russia
Website	www.uecard.ru
Universal electronic card on Wikimedia Commons

FAO OJSC "Universal Electronic Card" (OJSC "UEC") is a federal authorized organization that functions as a coordinator and operator of the project for the implementation of a universal electronic card. Selected by the Government of the Russian Federation in order to organize the provision of state and municipal services using a universal electronic card (Order of the Government of the Russian Federation dated August 12, 2010 No. 1344-r):

• organizes interaction between authorized organizations of the constituent entities of the Russian Federation
• manages the commercial services portal
• leads single register maps and applications (federal, regional, municipal)
• coordinates the issuance of universal electronic cards
• is the operator of the Russian payment system PRO100.

And also responsible for ensuring compatibility of the infrastructures for using the UEC and the electronic passport.

In the spring of 2011, OJSC UEK was owned in equal shares by the following banks: Sberbank, Uralsib and Ak Bars. At the end of 2012, Troika Dialog and Sitronics also became shareholders. Thus, the main shareholder of OJSC "UEK" became Sberbank of Russia, which, together with its subsidiary company Troika Dialog owns 68% ordinary shares JSC "UEK".

The authorized capital is 900 million rubles. In March 2013, an increase was reported authorized capital up to 1,350 million rubles due to the redemption of an additional issue in proportion to the shares of shareholders.

Authorized organizations of the constituent entities of the Russian Federation

Authorized organizations of subjects (ASO) are organizations that organize the UEC infrastructure for servicing citizens and providing state and municipal services in their region. Each subject of the Russian Federation has identified the corresponding authorized organization of the subject. In many regions, organizations that issued regional social cards for residents of the region became authorized organizations. All 65 authorized organizations of the constituent entities of the Russian Federation joined the unified payment and service system “Universal Electronic Card”.

Regional processing and billing centers

As of November 2014 Single centers processing and billing services were created in the Tula, Kaluga, Oryol, Irkutsk regions, and the Republic of Mari El. It is planned to create such centers in the Astrakhan, Belgorod, Vladimir, Vologda, Ryazan, Yaroslavl and Tomsk regions.

UEC portal

In September 2013, a portal was opened on which each UEC holder will have a personal account. With its help, a person will be able to identify himself, be able to sign something with an electronic signature, and pay the required service, and then the system will redirect him to a resource, where he will directly interact with the body that provides the service