RESOLUTION OF BOARD OF NATIONAL BANK OF THE REPUBLIC OF BELARUS

of December 15, 2023 No. 453

About unauthorized transfers of money (electronic money)

Based on subitem 2.5 of Item 2 of article 41 of the Law of the Republic of Belarus of April 19, 2022 "About payment systems and payment services" and parts one of article 39 of the Bank code of the Republic of Belarus the Board of National Bank of the Republic of Belarus DECIDES: No. 164-Z

1. Determine that:

1.1. signs of making of money transfer (electronic money) without the consent of the user of payment service (further - signs of unauthorized transfer) are:

discrepancy of parameters of the initiated payment as a result of which money (electronic money) is transferred (further - transfer on payment) to parameters of transfers on the payments which are usually initiated by the user of payment service and (or) nature of the activities performed by this user of payment service (time (put), the place of initiation of payment, the device (the payment instrument, payment service) by means of which it is performed (is initiated) payment, and its technical parameters, transfer amount on payment, frequency (frequency) of initiation of payments, the receiver of money (electronic money));

coincidence of information on the receiver of money (electronic money) containing in the payment instruction (payment specifying) to information on the receiver of money (electronic money) on payment and attempts of initiation of payments received from the automated system of processing of incidents of National Bank;

coincidence of information on technical parameters of devices by means of which access to the automated system, the software of the financial organization for the purpose of implementation (initiation) of transfer for payment, with information on technical parameters of devices with which use access to the automated system, the software of the financial organization for the purpose of implementation (initiation) of transfer for payment and attempts of initiation of payments received from the automated system of processing of incidents of National Bank was provided earlier is provided.

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