Information is increasingly appearing in the media about the launch of the universal electronic card issuance program by banks. However, the Russians do not strive to become the owners of this convenient invention as soon as possible. Moreover, many even oppose their implementation. The reason for this phenomenon is that many do not even realize its advantages. What is a universal electronic card (UEC)? For what purposes is it necessary and how to get it? Is it possible to refuse it? Let's figure it out.
Creating a universal electronic card in Russia
The history of the Russian payment system begins in 2010. In July of this year, Federal Law No. 210 for the provision of state and municipal services entered into force. This document, among other things, contains information on the procedure for using UEC. Initially, the law provided for a ban on conducting card payments outside of Russia. This initiative could lead to bankruptcy of the VISA and MasterCard payment systems. However, after long negotiations, the ban was lifted.
In 2011, the Government of the Russian Federation decided to create a UEC. Especially for these cards, the PRO100 payment system and all the infrastructure necessary for it were created. However, this initiative was not supported by banks and the public. Therefore, UEC stopped issuing without fail.
Since the beginning of 2012, a project to introduce new maps has been launched in several regions of Russia. According to the results of this year, most of the UEC was implemented in the Komi Republic.
Since 2014, UECs have been issued to all Russians. However, everyone has the right to refuse the card.
What is a universal electronic card
At its core, UEC is a combination of a bank card, SNILS, medical insurance policy, as well as an identity document. In addition, it is possible to enter data on the ticket, passes, driver's license. A microchip is built into the card, where all information about various electronic applications is stored.
The UEC project is more ambitious than a conventional payment system. A universal electronic card of a citizen of the Russian Federation makes it possible to use all kinds of municipal, state and commercial services. As stated on the official website of UEC, with the help of these cards Russians will be able to remotely use some services that were not previously available for this. It is about submitting applications and preparing various documents.
Appearance
The external design of UEC coincides with the design of a regular bank plastic card. Serving on it is carried out in payment terminals, ATMs, retail outlets, as well as via the Internet. Acceptable and non-contact application.
UEC itself must contain the following information:
- surname, name and patronymic of the owner;
- a photo;
- number;
- validity;
- contact information of authorized organizations.
Moreover, the card does not contain a barcode.
Who can get
According to the law, UEC (universal electronic card of a citizen of the Russian Federation (Russia)) is issued to all citizens of our country, regardless of age. Previously, the basis for its issuance was a statement submitted to an authorized organization. Now issuance does not require a special application.
When receiving a card for children under 14 years of age, only their legal representatives can sign an application for extradition. It is not possible to connect the banking application to the card in this case. Children from 14 years old can connect it only with the consent of their parents.
Where and how is UEC issued?
A universal electronic card of a citizen of the Russian Federation is issued at organizations that are approved individually in each region. As a rule, banks and multifunctional centers are involved in extradition.
To draw up a card, you must submit the following documents:
- general passport (for children - birth certificate);
- pension certificate;
- health insurance policy;
- photo on electronic media.
It’s not necessary to bring a photo. Upon receipt of the card you will be photographed. The application must indicate the bank that will be used for the payment application. You can only choose an organization that is a partner of this program. Card production time - no more than 20 days. Upon receipt, a general passport is required.
Services
Many opportunities open to the owners of UEC. What gives the citizens of the Russian Federation a universal card? With its help, you can get the services of state organizations and various departments - the tax, migration service, registration chamber, traffic police and others. For example, you can pay utility bills, public transport tickets, shopping in stores, taxes, state duties, make money transfers, make an appointment with doctors, kindergartens, receive electronic prescriptions for medicines, keep an electronic diary, pay for meals in educational institutions. The list of available services for UEC and various options for its use is gradually expanding.
Benefits
The universal electronic card of a citizen of Russia (UEC) has several advantages:
- compactness - the card replaces several documents at once;
- the ability to remotely receive public services anytime, anywhere;
- the procedure for contacting state and municipal institutions takes less time, since data is entered from the card in an automated mode;
- the card has an electronic digital signature, which allows holders to use the services of commercial suppliers;
- the ability to connect the card to a specific bank account;
- the ability to use as a ticket, as well as to pay for goods and services.
Renouncement
The universal electronic card of a citizen of the Russian Federation (UEC) is not mandatory for all citizens. According to the law, everyone can refuse it by writing a corresponding application. You can do it anytime. After reviewing the application, the card will be canceled. You can refuse UEC before January 1 of the next (2017) year. The list of application acceptance points is presented on the UEC website.
Replacement and loss
The universal electronic card of a citizen of the Russian Federation can be replaced both in case of loss or when changing the installation data of its owner. An application for the issuance of a duplicate is submitted to authorized organizations in each subject of Russia.
The application is considered within a month. Based on the entries made in the registry, a duplicate of UEC is issued. Extradition is carried out directly to the citizen on the basis of an identity document. The fee for re-issuing a card in case of loss is determined separately in each subject of the federation. Replacement is absolutely free.
Criticism
The creation of UEC caused a flurry of emotions from the public. The fact is that the cards contain personal data regarding the amount of monthly income, property of owners, social security and other information about various aspects of human activity. All information is consolidated in a single database. Opponents of the electronic card argue that the information protection system is far from perfect and access to the database can be obtained by third parties. Moreover, all information will be contained in the microchip.
The project, even at the pilot stage, became a cause of discontent among the Russians. More than a third of Moscow residents opposed the introduction of UEC. The Moscow City Duma received more than 10 thousand appeals.
A lot of discussion on the Internet is caused by a universal electronic card. Total control, according to opponents of the system, has become quite real. After all, all operations and even the route of movement of a citizen can be tracked. Information leakage may well occur.
There is another point of view. Many citizens fear that electronic cards will be very effective in cities where infrastructure is developed. In villages and villages from UEC it is not worth waiting for results.
Human rights activists claim that while civil society is at a low level of development, and the introduction of universal personalized cards can cause abuse of their use and fraud.
The government claims that universal electronic cards route, but in no way combine information about citizens. That is, using the card, you can extract the necessary information from the database, which is located in the department of state bodies. Also, UEC developers and project organizers claim that all cards are protected by hardware and software and are directly controlled by the state. It is not necessary to issue a card at all, if you wish, you can issue a refusal.
So, the universal electronic card of a citizen of the Russian Federation is a very useful invention of our time. With its help, you can receive various public services, make cashless payment transactions. Its main advantage is that it contains information about several documents of its owner. Every citizen can get a universal card. However, the introduction of a personalized card system caused dissonance in society. Many Russians strongly oppose this innovation. However, the authorities leave the choice for citizens - you can refuse the card.