Implement validation on checks in the near future

Mehran Moharramian, referring to the significant reduction in phishing crimes after the use of the dynamic code, said: “The issue of phishing is an issue that is not complete and basically has various methods, which are actually a kind of game between thieves and police.”

Emphasizing that the judicial and security institutions and the police are taking the necessary measures in this regard, he added: “We also have measures on the agenda along with these institutions, the most important issue being the mandatory second dynamic code in 1998.” At that time, several crimes were taking place, and after this action, some crimes were reduced to zero and others were reduced by about 90%, so it can be said that this method had a very good result.

“If we see today that some new phishing methods are being carried out and fraudsters are identifying certain people’s accounts and committing fraud,” said the central bank’s deputy chief of new technologies. It should be noted that these cases are not comparable to what happened in previous years and have become significantly more limited.

Moharramian stated: On February 17, 1998, the project of using the dynamic password was finalized and made mandatory in all banks, while on September 5, 1998, the same issue was made mandatory in the European Union; Of course, it had a different mechanism from our model, but in any case, a similar method was mandatory in the European Union, and this shows that we went the way that the global models also emphasized. At present, the ratio of phishing to the total number of banking and financial transactions in the country is much lower than the statistics in the European Union and many other countries in the world.

He continued: “However, this does not mean that phishing activists are unemployed; Rather, they invent new methods, and of course, we also try to increase the security of the banking network by a high factor by using smart and new methods.

Innovation brings the bridge to the people

The Deputy Minister of New Technologies of the Central Bank also said about the latest status of the instant payment system (bridge): “The most important advantage of the bridge system is the replacement of the account-to-account method instead of card-to-card.” In Iran, we had money transfer through the card-to-card method, which is different from the way it is done in the world, because in other countries, the card-to-card method is used less.

Moharramian continued: “The difference in the account-to-account method is that we can have innovations that were not possible in the card-to-card method.” As a result, we will have a new space that we believe can grow and innovate. Currently, 18 banks are connected to the bridge system, and this chain will be completed soon, and we will see the public unveiling of this system.

He emphasized: “It seems that the most important event in this discussion is giving new players a field and an innovative service space that, for example, with new features such as fingerprints or sound, money transfer will be possible, which can be done easily in the field of cards.” Was not.

Reduce returned checks

Fishing check was another important issue that the Deputy Minister of New Technologies of the Central Bank addressed and stated that according to the law, every check must be registered in the fishing system, he emphasized: In 1999, we had a turnover of 3,500,000 billion tomans. If we assume that each check has been transferred twice on average, that is, we had the same amount of financial transactions that were hidden from the eyes of transparency bodies, including the central bank, banks or the tax authority.

Muharramian stated: If we leave aside the consequences of money laundering and only avoid tax evasion in this area before fishing checks, we will find that if each of these checks has an average tax of 2%, about 70,000 billion tomans only tax evasion in We had this section.

He added: “Fishing checks are a big event in the field of transparency, but it is obvious that the public also had difficulties in using this method in the beginning, which should be due to changes in market behavior and problems that sometimes exist in the software of some banks.” Which resolves over time. Of course, in this regard, we designed a robot that instantly searches social networks to receive and report problems that people register on social networks, and we at the Central Bank also try to solve a problem that has a legal solution. And create a technical solution for it. Even if we have legal restrictions, we will negotiate with the parliament and oversight bodies so that we can facilitate the process.

According to the Central Bank’s Deputy Minister of New Technologies, more than 150 million checks have been exchanged in the hands of the people, and a large number of them have been registered and the recipient has approved the check. As a result, work on the circuit is routine, and fortunately, the software available to users as a supercharger are also equipped with fishing check facilities with the arrangements of the Central Bank. Other banking portals are being added over time; Such as Internet banking, mobile banking, ATMs and soon SMS.

Muharramian emphasized: “The most important thing that we are witnessing in the meantime is the significant decrease in the number of returned checks in fishing checks compared to previous checks.” As required by law, we will soon discuss validation, which we are working on cautiously and calmly, and we are currently in the monitoring and planning phase. If this is implemented, we will have a significant reduction in the amount of returned checks, while gaining people’s confidence in receiving the check, which will reduce the likelihood of it being returned.

Connecting card readers to the tax file

The Deputy Minister of New Technologies of the Central Bank also spoke about the “Law of Store Terminals and the Taxpayer System”, stating that many measures and studies have been done in this regard: “Our cooperation with the Tax Affairs Organization has accelerated in the past few months.” And currently 80% of the payment network in terms of turnover, have a tax file.

He continued: “According to the legal tasks assigned to the Central Bank, we are pursuing the exact implementation of this process, and of course we have a red line that people should not have to do more processes than before, so we try to do everything and Carry out the mechanisms in the center and establish an automatic connection between the central bank and the tax organization.

Regarding the violations committed by some card readers for tax evasion, Muharramian said: “An intelligent system has been designed and used for this purpose, if card readers are registered in the name of one class but are used in another class or are registered in one place but in Another place used will be identified. At the same time, other methods such as card-to-card are introduced and we introduce those accounts as a commercial account to the tax administration. This means that a personal account with a high number of card-to-card transactions will be identified as a business account, in which case we strongly warn these people to refrain from committing such violations.

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