Banking law. Interregional electronic payments in the Russian Federation (the most important)

Lecture notes, cheat sheets
Free library / Directory / Lecture notes, cheat sheets

Banking law. Interregional electronic payments in the Russian Federation (the most important)

Lecture notes, cheat sheets

Table of contents (expand)

48. Interregional electronic payments in the Russian Federation

Interregional electronic settlements (MED) are carried out through settlement network of the Central Bank of the Russian Federation.

Interregional electronic settlements carried out through the settlement network of the Central Bank of the Russian Federation are understood as a set of relations between the subdivisions of the settlement network of the Central Bank of the Russian Federation located on the territory of various constituent entities of the Russian Federation, as well as between credit institutions, clients of the Central Bank of the Russian Federation and subdivisions of the settlement network of the Central Bank of the Russian Federation for making payments using payment and service information documents compiled in electronic form.

The procedure for the implementation of interregional electronic payments assumes the following:

1) transfer of payments is carried out on the basis of a payment order;

2) the exchange of electronic payment documents (EPD) and electronic service information documents (ESID) between credit institutions or clients of the Central Bank of the Russian Federation and the service unit of the settlement network of the Central Bank of the Russian Federation is carried out in packages that include one or more electronic documents;

3) each package is signed (protected) by the sender's electronic digital signature, while individual EPDs within the package are not signed;

4) when transmitting EPD packets, information security tools used in the system of the Central Bank of the Russian Federation are used;

5) electronic payment documents included in the package signed with an electronic digital signature (EDS) are recognized as having equal legal force with settlement documents drawn up on paper, signed by authorized persons and certified by a seal, only if the authenticity of the EPD package is confirmed. This norm should be reflected in the agreement on the exchange of electronic documents when making settlements through the settlement network of the Central Bank of the Russian Federation;

6) confirmation of the authenticity of the EPD (EPD package) is the basis for subsequent operations.

The production and execution of a copy of the EPD on paper is carried out by the institution of the Central Bank of the Russian Federation serving the bank, the client of the Central Bank of the Russian Federation - the recipient in the case when the executed EPD cannot be brought electronically to the bank, the client of the Central Bank of the Russian Federation, since they are not participants in the exchange of electronic documents with Central Bank of the Russian Federation, and is carried out in accordance with the Accounting Rules in the Central Bank of the Russian Federation (Bank of Russia), as well as directly by the bank, the client of the Central Bank of the Russian Federation - the recipient in the case when the executed EPD is sent electronically (using telecommunications or on a magnetic medium) bank, client of the Central Bank of the Russian Federation, which are participants in the exchange of electronic documents with the Central Bank of the Russian Federation.

Based on the order of the Central Bank of the Russian Federation on the inclusion of a subdivision of the settlement network of the Central Bank of the Russian Federation into the number of participants in the Ministry of Economic Development, in the "Directory of Bank Identification Codes of Participants in Settlements in the Territory of the Russian Federation" ("Directory of the BIC of the Russian Federation"), a sign of a participant in the Ministry of Economic Development (props "Participant of electronic settlements" - UER) is established for relevant subdivision of the settlement network of the Central Bank of the Russian Federation.

Based on the information of the MED participants on the participation of the user (bank) in the MED system, fixed in the Account Agreement and the Exchange Agreement, changes are made to the RF BIC Directory in the prescribed manner. The list of participants of the Ministry of Economic Development is updated at the intervals established for updating the "BIC RF Directory".

The users of the MER system can be banks and clients of the Central Bank of the Russian Federation that have correspondent accounts, correspondent sub-accounts or other accounts with the RCC (GRCC) of the MER participants. The recipient of electronic payments can be the Central Bank of the Russian Federation, credit institutions and their clients, as well as clients of the Central Bank of the Russian Federation, provided that the subdivision of the settlement network of the Central Bank of the Russian Federation serving them is a member of the Ministry of Economic Development.

Author: Belousov D.S.

<< Back: Collection and check

>> Forward: Trust property management

We recommend interesting articles Section Lecture notes, cheat sheets:

▪ General surgery. Crib

▪ Business planning. Lecture notes

▪ Housing law. Crib

See other articles Section Lecture notes, cheat sheets.

Read and write useful comments on this article.

<< Back

Latest news of science and technology, new electronics:

The existence of an entropy rule for quantum entanglement has been proven 09.05.2024

Quantum mechanics continues to amaze us with its mysterious phenomena and unexpected discoveries. Recently, Bartosz Regula from the RIKEN Center for Quantum Computing and Ludovico Lamy from the University of Amsterdam presented a new discovery that concerns quantum entanglement and its relation to entropy. Quantum entanglement plays an important role in modern quantum information science and technology. However, the complexity of its structure makes understanding and managing it challenging. Regulus and Lamy's discovery shows that quantum entanglement follows an entropy rule similar to that for classical systems. This discovery opens new perspectives in the field of quantum information science and technology, deepening our understanding of quantum entanglement and its connection to thermodynamics. The results of the study indicate the possibility of reversibility of entanglement transformations, which could greatly simplify their use in various quantum technologies. Opening a new rule ... >>

Mini air conditioner Sony Reon Pocket 5 09.05.2024

Summer is a time for relaxation and travel, but often the heat can turn this time into an unbearable torment. Meet a new product from Sony - the Reon Pocket 5 mini-air conditioner, which promises to make summer more comfortable for its users. Sony has introduced a unique device - the Reon Pocket 5 mini-conditioner, which provides body cooling on hot days. With it, users can enjoy coolness anytime, anywhere by simply wearing it around their neck. This mini air conditioner is equipped with automatic adjustment of operating modes, as well as temperature and humidity sensors. Thanks to innovative technologies, Reon Pocket 5 adjusts its operation depending on the user's activity and environmental conditions. Users can easily adjust the temperature using a dedicated mobile app connected via Bluetooth. Additionally, specially designed T-shirts and shorts are available for convenience, to which a mini air conditioner can be attached. The device can oh ... >>

Energy from space for Starship 08.05.2024

Producing solar energy in space is becoming more feasible with the advent of new technologies and the development of space programs. The head of the startup Virtus Solis shared his vision of using SpaceX's Starship to create orbital power plants capable of powering the Earth. Startup Virtus Solis has unveiled an ambitious project to create orbital power plants using SpaceX's Starship. This idea could significantly change the field of solar energy production, making it more accessible and cheaper. The core of the startup's plan is to reduce the cost of launching satellites into space using Starship. This technological breakthrough is expected to make solar energy production in space more competitive with traditional energy sources. Virtual Solis plans to build large photovoltaic panels in orbit, using Starship to deliver the necessary equipment. However, one of the key challenges ... >>

Random news from the Archive

Roccat Torch studio grade USB microphone 17.07.2021

Turtle Beach introduced Roccat's Torch microphone, Roccat's first "studio-grade USB microphone". It is addressed to game lovers, streamers and content creators.

The design of the microphone includes a "double condenser capsule" that allows you to choose between three pickup patterns: cardioid, stereo and night, optimized for whispering. In fact, the case contains two capsules with a diameter of 14 mm.

The frequency response of the microphone is 20-20 Hz, the maximum sound pressure level for which it is designed is 000 dB. The microphone supports sampling rates up to 110 kHz and 48-bit data representation. The package includes a stand, or base station with controls for selecting the directivity pattern and changing the signal level, with a 24 mm jack for connecting headphones for real-time monitoring. The dimensions of the device are 3,5 x 138 x 95 mm, weight without base - 208 g, with it - 290 g. In addition to the base, the kit includes two cables 500 and 15 cm long for connecting to it and a USB cable 200 m long for connecting to a PC .

You can turn off the sound not only on the base, but also with a gesture near the microphone. The state of the microphone is reflected by the backlight and indication on the base.

In the USA the microphone costs 100 dollars, in Europe - 100 euros. Sales will start in August.

Other interesting news:

▪ Voltmeter for a living cell

▪ Ground-level ozone reduces tree growth

▪ New speed record for electric vehicles

▪ Lies change the brain

▪ Honor Superfast 100W Wireless Charging

News feed of science and technology, new electronics

Interesting materials of the Free Technical Library:

▪ section of the site for those who like to travel - tips for tourists. Article selection

▪ article Social Pedagogy. Crib

▪ article Which stone, according to the ancient Greeks, protects a person from intoxication? Detailed answer

▪ article Mechanic of the vodka bottling shop. Job description

▪ article Bleaching of bristle, horse and other hair. Simple recipes and tips

▪ article Invisible errors. Encyclopedia of radio electronics and electrical engineering

Leave your comment on this article:

All languages of this page

Home page | Library | Articles | Website map | Site Reviews