RS-Connect

List of RS-Connect web modules

Interaction with the Digital Profile platform

2024: Module for interaction with GIS (connector) "Digital profile of the organization"

R-Style Softlab launched a module for interaction with GIS (connector) "Digital profile of the organization," implemented on the Russian technological stack. The company announced this on July 15, 2024.

The RS-Connect module "Digital profile of an organization" is a ready-made solution for quickly obtaining information about organizations (legal entities, individual entrepreneurs) contained in information systems of government agencies. The connector allows you to organize the receipt of information from the client's ESIA account, as well as from various databases: FTS, Rosreestr, Ministry of Internal Affairs, PFR, etc.

The connector is designed for interaction of banks, insurance and financial companies with the Digital Profile platform and allows financial institutions to reduce business service time. The module allows financial companies to organize work with the client without additional request for documents, optimize the verification of client information, and maintain the relevance of this information.

For example, using a connector allows financial institutions to obtain customer data such as VAT information, USN information, license information, average headcount, and others. At the same time, obtaining information from the "Digital Profile" is possible only with the consent of the responsible person of the organization, which is stored in a single register of digital consents.

In the updated configuration of the IT infrastructure of the "Digital Profile of the Organization" connector, all three components of the system have been transferred to Russian software. The platform solution is implemented on DBMSostgres Pro, runs on Astra Linux operating systems, uses the P7-Office office suite in its work. The technical means that ensure the functioning of the software are located on the territory of the Russian Federation, which allows you to use the platform in compliance with the requirements for public procurement and the regulation of import substitution in the IT sphere, said Anna Nazarova, Deputy Director of R-Style Softlab Development Department.

Also in the line of connectors of the RS-Connect PRO platform there is a module "Digital profile of individuals," which allows you to receive information about citizens stored in various databases (FTS, Rosreestr, Ministry of Internal Affairs, PFR, etc.), to ensure remote interaction of clients with the bank without the need for additional submission of documents. Information can also be obtained only with the consent of the client, which is stored in a single register of digital consents, as well as if the client has a confirmed account in the ESIA. The Digital Profile of Individuals module also works on the Russian technology stack.

Interaction via CMEV

2022

RS-Connect module. Receipt of TIN "

On September 19, 2022, R-Style Softlab introduced another module in the RS-Connect line designed to interact with state information systems - RS-Connect. Obtaining TIN. " It allows the bank to obtain the client's TIN according to his passport data through SMEV 3, eliminating the need to provide this document in paper form.

The main features of the module:

• Receiving a TIN request from the bank's systems via RS-Connect.
• Sending a request to the Federal Tax Service through SMEV 3.
• Receiving a response from the Federal Tax Service, returning the result to the bank's systems.

As of September 2022, TIN is an important document and a unique identifier of a person according to which banks can receive information from government departments, for example, which will save the client from providing various certificates and extracts in paper form, - said Anna Nazarova, Deputy Director of the RS-Bank Banking Software Department for Development, R-Style Softlab. - SMEV 3 service will help banks to automatically receive TINs, both for one client and massively for the client base. This will improve the quality of the services provided and increase customer loyalty.

RS-Connect module. Passport Validation "

On August 31, 2022, R-Style Softlab announced the appearance in the RS-Connect line to automate interaction with the State Information Systems of the RS-Connect module. Checking passport for validity. "

The module allows through to bank the external system 3 SMEV to automatically check the passports of customers - individuals by, and to base MINISTRY OF INTERNAL AFFAIRS for invalid passports to receive information about the reasons for invalidity.

This basic check must be performed in each bank. Previously, SMEV 2 was used for this, but at the end of August 2022, the regulator sequentially turns off its services and transfers them to SMEV 3. That is why the development company implemented interaction through SMEV 3.

The module works as follows:

• Receives validation requests from bank systems.
• Sends these requests and receives a response from the Ministry of Internal Affairs through SMEV 3.
• Forwards the received response to the bank's systems.

Passport validation is a small but very important part of any banking process involving customer service. Connecting to the SMEV 3 passport verification service allows the bank to quickly determine whether everything is fine with the client's passport. The automatic mode of this process not only minimizes manual entry errors, but also protects the bank from inaccurate client documents, - commented Anna Nazarova, Deputy Director of the RS-Bank Banking Software Department for Development.

2019: RS-Connect. Obtaining certificates of incorporation / Unified State Register of Individual Entrepreneurs through SMEV 3

On September 19, 2019, R-Style Softlab announced the release of a module for obtaining extracts from the Unified State Register of Legal Entities/Unified State Register of Legal Entities through SMEV 3. The solution has expanded the RS-Connect line of software products for electronic interaction with state information systems.

Opportunities IT- solutions open to banks access to up-to-date information on legal entities and individual entrepreneurs directly from the registers of the Unified State Register of Legal Entities (Unified State Register of Legal Entities) and the Unified State Register of Individual Entrepreneurs (Unified State Register of Individual Entrepreneurs) stored Federal Tax Service RUSSIAN FEDERATION in (). FTS

Using the module, a bank employee sends a request to the Federal Tax Service for receipt from the Unified State Register of Legal Entities or the Unified State Register of Legal Entities. In response to his appeal, an extract is received from the department with detailed information contained in the databases. The module is easily integrated with other banking automated systems, so that specialists of a financial institution can receive messages from adjacent systems about requested information on customer statements from the Unified State Register of Legal Entities or Unified State Register of Legal Entities and inform adjacent systems about the results obtained. This online interaction scheme allows credit and financial institutions to reduce the share of paper document circulation and increase the efficiency of customer identification procedures.

Our company regularly replenishes the RS-Connect line of software products. The next module for obtaining extracts from the Unified State Register of Legal Entities/Unified State Register of Legal Entities through CMEV 3 will help banks reduce the risks of incorrect manual entry of client data and improve the quality of their verification, reported, Anna Nazarova Deputy Director of Banking Department, ON RS-Bank R-Style Softlab

RS-Connect. Exchange with ZSK platform

R-Style Softlab on June 6, 2022 announced the appearance of another module in the line of products for interaction with GIS RS-Connect - "RS-Connect. Exchange with the ZSK platform. " Thanks to this product, banks will be able to minimize risks and increase the efficiency of working with customers.

RS-Connect module. Exchange with the ZSK platform "provides work with the Bank of Russia" Know Your Client "service, with the help of which the regulator will inform credit institutions about how risky this or that client conducts activities from the point of view of" anti-money laundering "legislation. The regulator will divide all bank customers into three groups depending on the level of risk: low, medium and high (green, yellow and red). With this information, credit and financial institutions will be able to correctly regulate their policies, building relationships with customers.

After implementation ABS RS-Bank , the V.6 will cover all areas of the bank's business. To meet the customer's needs in full, the project team will have to implement integration ABS with numerous bank systems.

Also, according to the legislation (423-FZ of 21.12.2021, which amends the 115-FZ from 07.08.2001), credit institutions are obliged to provide the names of clients - legal entities (individual entrepreneurs) and TINs assigned to them to the Central Bank of the Russian Federation from July 1, 2022, which is necessary for them to be classified by the Bank of Russia as risk groups for suspicious transactions.

Functionality of the RS-Connect module. Exchange with the ZSK platform ":

• Download the list of risk levels of legal entities and individual entrepreneurs from the Know Your Client Platform to RS-Connect. (Further, based on this list, ABS assigns a particular level of risk to customers.)
• Availability of services for checking clients from the SIS according to the list from the ZSK Platform.
• Retrieving a list of clients from the ABS.
• Uploading the client list from RS-Connect to the WCS Platform.

This solution of the company will allow banks not only to comply with the requirements of the legislation, but also to significantly reduce resources for the analysis of each client within the framework of the "anti-money laundering" legislation. Now it is enough to use the service based on the Bank of Russia platform through the RS-Connect module. Exchange with the ZSK platform, "which allows you to assess the risk level of a client of a credit institution online.

Banks using this module will be able to reduce the burden on personnel when servicing bona fide customers, since due to the presence of a centralized list of the Central Bank of the Russian Federation with risk levels, "reinsurance" requests to the client for additional information during certain operations will be reduced. The efficiency of working with clients will significantly increase, - commented Anna Nazarova, Deputy Director of the RS-Bank Banking Software Department for Development, R-Style Softlab.

As of June 2022, the Know Your Client platform is being tested by credit institutions, full-fledged information interaction will begin on July 1, 2022.

RS-Connect. About Customer Assets and Liabilities

R-Style Softlab On October 14, 2020, it announced the replenishment of the line of "connectors" for online exchange data state with information systems by the "RS-Connect" module. Information about customer assets and liabilities. The solution functionality allows you to obtain information about the customer's assets and liabilities from all automated systems of the bank and generate a consolidated report.

After the client has applied personally or through the RBS channels for information on the presence of accounts, income, expenses and other information from the client's "card" to the ABS (or from the RBS systems) to the "RS-Connect" module. Information about the customer's assets and liabilities "a request is received to generate a reporting form. To obtain the necessary information, this RS-Connect module polls the ABS subsystems through web services, which return their dataset to it in response. The module generates a common unified response in printed form and sends it to the client's "card," to the RBS system or to the general directory.

By means of this module the financial organizations will be able to fulfill the requirements of the Instruction of the Central Bank of the Russian Federation of 14.04.2020 No. 5440-U according to which from 01.09.2020 the banks are obliged to provide to the client the generalized (universal) report with data on all its assets and liabilities (accounts and the income paid on them, securities, urgent obligations of financial character on which the citizen is a debtor or the creditor).

The presented "connector" consolidates information from different systems of the bank and forms a report in a regulated form for providing the client, - said the Anna Nazarova deputy director of the banking department, ON RS-Bank R-Style Softlab. - The functionality of the module allows banks not only to improve the convenience of customer service, but also to avoid the risks of non-compliance with the law due to the effective implementation of the requirements of the Central Bank Directive RUSSIAN FEDERATION No. 5440-U.

RS-Connect. Exchange with EFRSB

On April 28, 2020 R-Style Softlab , it announced the automation of interaction banks with the Unified Federal Register of Bankruptcy Information (EFRSB). - IT the company presented the next module in the line ON for online exchange data state with information systems - "RS-Connect. Exchange with EFRSB. " The functionality is implemented in accordance with the Federal Law of 26.10.2002 No. 127-FZ "On Insolvency (Bankruptcy)."

Using the RS-Connect module. Exchange with EFRSB "banks will be able to check customers online in the current bankruptcy register. The credit institution makes a request about the client to the EFRSB, after which data is transmitted to the bank's systems whether the client is bankrupt, and if it is, documents confirming this fact are sent. In bank systems, information is processed within the required business processes, such as opening an account.

The Unified Federal Register of Bankruptcy Information (EFRSB) is kept in electronic form. It includes information about persons regarding whom bankruptcy proceedings have been initiated, received from arbitration managers, auction organizers, electronic trading platforms. For each potential bankrupt, a personal card is issued containing the individual data of the debtor. Messages about the progress of the procedures and their results, as well as the reports of the arbitration manager, are attached to the card. The subject receives bankrupt status by decision of the arbitration court following the results of the procedures. Since 2011, the operator of the EFRSB has been Interfax JSC.

Collecting as much reliable information as possible about the client is one of the most important tasks of any credit institution. The ability to automatically receive data from the EFRSB on such a significant status of an existing or potential client as bankrupt will allow banks to increase the efficiency of business processes by reducing the time to search for information and minimizing errors. Anna Nazarova, Deputy Director of Banking Software Department RS-Bank, R-Style Softlab

RS-Connect. Exchange with SBP

R-Style Softlab automated interaction banks with, Fast Payment System (FPS) developed CENTRAL BANK and National System (). payment cards NATIONAL PAYMENT CARD SYSTEM The functionality is available within the RS-Connect module. Exchange with SBP, "which is part of the RS-Connect line of software products for online exchange data state with information systems. R-Style Softlab announced this on February 13, 2020.

With the help of this module, banks will be able to provide their customers - individuals with a round-the-clock instant money transfer service in the amount of up to 600 thousand rubles by mobile phone number to any bank participating in the SBP, as well as the ability to pay for goods and services in retail stores using a QR code. Banks participating in the SBP are integrating the functionality of making fast payments into their online services. To make a transfer, a client of a financial institution opens a bank's mobile application or enters his personal account in an Internet bank, selects the desired section, finds the recipient by his phone number and enters the amount of the transfer. Before sending funds, the application identifies the name, first name and patronymic of the recipient to confirm his data. Thus, the bank's customers are provided with transparent, convenient and fast service.

The transfer of funds using the functionality of fast payments is carried out at the expense of liquidity for fast payments established by the bank - a member of the SBP.

RS-Connect module. Exchange with the SBP "is an adapter for the interaction of all necessary information flows between the bank's RBS systems, ABS and the operational payment and clearing center of the SBP.

Integration with NSPK and SBP was carried out in accordance with Bank of Russia Regulation No. 595-P, dated 06.07.2017 , "On the Bank of Russia Payment System" (taking into account Bank of Russia Ordinance No. 4949-U, dated 29.10.2018 ).

Capabilities of the RS-Connect module. The exchange with SBP ', integrated with ABS RS-Bank V.6 and RS-Bank v. 5.5, allows banks not only to comply with the requirements of the law (until October 1, 2020, all credit institutions with a universal license are required to connect to SBP), but also significantly increase customer loyalty by providing fast and convenient service. Given the popularity of instant payments among clients of financial institutions, it is safe to say that this functionality is a current trend in the field of banking automation, which has a great future. We are ready to provide banks with a ready-made solution for effective interaction with the Fast Payment System, Anna Nazarova, Deputy Director of the Banking Department of PORS-Bank, R-Style Softlab

2020: Integration with RS-Retail V.6

R-Style Softlab September 22, 2020 reported testing functionality remittances between individuals ABS RS-Bank in V.6 through. Fast Payment System (FPS) Specialists - the company IT integrated the system of automation of retail banking services V.6, RS-Retail which is part of ABS RS-Bank V.6, with the module "RS-Connect. Exchange with SBP. " More. here

RS-Connect. Exchange with Rosreestr

2021: Possibility of electronic registration of property rights

R-Style Softlab on May 12, 2021 announced the expansion of the functionality of the module for interaction between banks and Rosreestr through SMEV 3. The completed improvements will allow banks to offer customers, together with a real estate purchase transaction, the service of electronic registration of property rights in Rosreestr.

With "RS-Connect. Exchange with Rosreestr "banks will be able to provide customers with the following service as part of mortgage lending:

• Uploading the electronic mortgage and the agreement on amendments to the electronic mortgage (FEZ) to Rosreestr in accordance with the 328-FZ of 25.11.2017 "On Amendments to the Federal Law" On Mortgage (Pledge of Real Estate) "and certain legislative acts of the Russian Federation."
• Electronic registration - exchange with Rosreestr of information necessary for electronic registration of real estate, as well as for the removal of encumbrances after the full repayment of a mortgage loan.

Previously within the RS-Connect module. Exchange with Rosreestr "from the RS-Connect line of software products for online interaction state with information systems, the possibility of transferring an electronic mortgage for storage to the depository was implemented, as well as the possibility of receiving requests from Rosreestr to the depository in accordance with the requirements of Federal Law N 102-FZ" On Mortgage (Real Estate Pledge) "from 16.07.1998.

The transfer to the electronic form of the procedure for registering transactions with real estate and rights in Rosreestr is one of the services that allows to increase the competitiveness of banks engaged in mortgage lending, - said, Anna Nazarova Deputy Director of the Banking Department, ON RS-Bank R-Style Softlab. - Our "connector" for interaction with Rosreestr allows banks to increase the volume of mortgage business and increase customer loyalty due to the provision of additional services for electronic registration of transactions in Rosreestr and significant savings in customer time when issuing an electronic mortgage through a credit institution.

2019: Functionality of obtaining electronic mortgage mortgages from SMEV

On November 6, 2019, the company R-Style Softlab announced that it had automated interaction banks Federal Registration Service with 3 in SMEV terms of obtaining information on. electronic mortgages for mortgage lending This functionality is implemented in the RS-Connect module. Exchange with Rosreestr "from the RS-Connect line of software products designed for online interaction state with information systems.

The decision complies with the requirements of Federal Law No. 328-FZ of 25.11.2017 "On Amendments to the Federal Law" On Mortgage (Pledge of Real Estate) "and certain legislative acts of the Russian Federation." From July 1, 2018, mortgages in mortgage transactions can be issued both in documentary and electronic form. Also, an electronic mortgage can be issued instead of a documentary one. Registration of electronic mortgages is carried out through Rosreestr, which then sends them to SMEV for further transfer to the depository of a credit and financial institution.

RS-Connect module. Exchange with Rosreestr "allows you to receive an electronic mortgage from SMEV and transfer it to the bank's depository. The module also receives messages from the depository and sends a notification to Rosreestr through SMEV. In addition to working directly with electronic embedded parts, the solution provides for the following operations:

• notice of entering into the mortgage registration record (in the information on the mortgagee) information about the depository to which the electronic mortgage has been transferred for storage;
• request for verification of information about the owner of the electronic mortgage or other person exercising rights under the electronic mortgage;
• transfer of the agreement (the depository receives an agreement on amendments to the mortgage, to the terms of the mortgage. The agreement is concluded between the subject and the bank that issued the mortgage to him);
• notice of repayment of the mortgage registration record.

{{quote 'author = Anna Nazarova, Deputy Director of RS-Bank Banking Software Department, R-Style Softlab' With RS-Connect module. Exchange with Rosreestr 'banks will be able to fully automate one important stage of the mortgage lending process - work with electronic mortgages. Obtaining electronic mortgages through SMEV 3 allows banks to reduce information processing time, minimize manual entry errors and increase the efficiency of state registration procedures for real estate collateral, }}

RS-Connect. Exchange with FinCERT

On October 8, 2019 R-Style Softlab , she announced that she had automated the verification bank of money transfers for matching the details of recipients of funds data with participants in operations without the consent of the client on the database - FinCERT a monitoring and response center in computer attacks the creditfinancial field. Bank of Russia The added functionality is implemented in the RS-Connect module. Exchange with FinCERT "from the RS-Connect line of software products designed for electronic interaction state with information systems.

To gain access to the money transfer database without the consent of FinCert's client, R-Style Softlab specialists integrated their API solution with it. As a result, information from the database is loaded into the RS-Connect module. Exchange with FinCERT, "which also implements transaction verification services for this database.

According to the amendments to Article 26 of the Federal Law of 10.07.2002 No. 86-FZ "On the Central Bank of the Russian Federation (Bank of Russia)," all credit and financial institutions are obliged to monitor cases and attempts to make money transfers without the consent of the client, and the Bank of Russia is obliged to provide financial institutions with information about such incidents. Before the transaction, the bank must check it for the presence of the payer's details in the database of money transfers without the consent of the client.

In the near future, the company plans to implement the functionality that allows the bank, in the event of a suspension of the transaction after verification, to send information to FinCERT, as well as report all facts or attempts to make money transfers without the consent of the client.

The possibility of checking these operations and further interaction with FinCERT is implemented in accordance with the Federal Law of 27.06.2018 No. 167-FZ "On Amendments to Certain Legislative Acts of the Russian Federation in Terms of Countering Theft of Funds."

Our modules within the RS-Connect line of software products help banks establish effective online interaction with state information systems and solve a wide range of tasks, including the priority task - to ensure the requirements of legislation in the field of banking security. Thanks to the improvements made, banks will be able to prevent fraudulent actions in relation to customer money transfers, Anna Nazarova, Deputy Director of Banking Software Department RS-Bank, R-Style Softlab

RS-Connect. Working with the register of SMEs

On February 12, 2019, R-Style Softlab announced the release of a software product designed to organize verification of bank customers and update information on the SME Register (Register of Small and Medium-Sized Businesses). RS-Connect module. Work with the SME register "has replenished the line of products for organizing the interaction of credit institutions with state information systems.

The decision meets the requirements of the Federal Law of 03.08.2018 No. 322-FZ, which obliges banks to maintain information about depositors - small enterprises, including reconciling this information with information contained in the unified register of small and medium-sized businesses.

The principle of operation of the presented functionality is as follows: in the module "RS-Connect. Working with the SME register "a directory with the SME register is downloaded (the directory is officially published on the website of the Federal Tax Service). The ABS starts the procedure for checking the client for this directory, while RS-Connect sends to the ABS information about the client's presence in the directory and, among other things, the date of its inclusion (exclusion) in it (from it). Subsequently, this information is used by the bank in the Deposit Insurance Register and in reporting forms 0409345, 0409302, 0409345, etc.

RS-Connect. Exchange with GIS GMP

2019: Implementation of interaction with GIS GMP through SMEV 3

On July 2, 2019, R-Style Softlab announced the implementation of the possibility of online interaction between banks with GIS GMP and GIS housing and communal services through SMEV 3. During the project, the specialists of the IT company transferred the functionality for integration with GIS housing and communal services to SMEV 3, and also transferred the functionality for processing requests and messages from GIS GMP from ABS (RS-Bank v. 5.5 and RS-Bank V.6) to the RS-Connect software package, which provides the exchange of bank data with state information systems and departments connected to SMEV.

Thanks to the updates, credit and financial institutions in which RS-Connect modules are installed will be able to use a single entry point for working with GIS GMP (including information formats - 2.1.1) and GIS housing and communal services, which reduces maintenance costs and monitoring of these interactions.

{{quote 'author = Anna Nazarova said, Deputy Director of Banking Department ON RS-Bank, R-Style Softlab|Transfer of modules from RS-Connect line to SMEV 3 will allow banks to improve the quality of data exchange. The main difference between SMEV 3 and SMEV 2 is the transition from synchronous interaction to asynchronous interaction, which makes it possible to guarantee the delivery of requests to the GIS housing and communal services and GIS GMP by increasing the fault tolerance of the systems state agencies, }}

2018: «RS-Connect. Exchange with GIS GMP "

On October 31, 2018, R-Style Softlab announced the release of the RS-Connect product. Exchange with GIS GMP, "intended for sending to the State Information System on state and municipal payments (GIS GMP) information on the payment of funds for state, municipal and other services and receiving information about the client's debt for these services. According to the company, the interaction is carried out in electronic form through SMEV 3 and fully complies with the requirements of Federal Law No. 210-FZ of the 27.07.2010 "On the Organization of the Provision of State and Municipal Services" and the Formats of the Federal Treasury of the 15.12.2017 "Formats of Interaction of GIS GMP with Information Systems of Participants" version 2.0.

RS-Connect module. Exchange with GIS GMP "serves to receive information from related automated systems of the bank and send messages on payment of state and municipal services, other payments that are sources of budget revenues of the budget system, as well as requests for accrual (debts) to GIS GMP through SMEV 3. It automatically processes requests and responses and maintains registers of received and sent messages within the framework of interaction with GIS GMP, which reflect all stages of message processing in the system. The module provides users with an interface for manual message processing and system monitoring.

Distribution integration is provided for R-Style Softlab - RS-Bank V.6 and RS-Bank v. 5.5 automated banking systems.

The electronic exchange implemented in RS-Connect with GIS GMP through SMEV 3 will allow credit institutions to comply with the requirements of the law in terms of mandatory information on payments for state, municipal and other services, as well as provide customers with a service for providing information about charges. Previously, the exchange with GIS GMP was carried out through SMEV 2 and was implemented inside the ABS. Thanks to the emergence of updated functionality in RS-Connect, banks will receive a single entry point for interaction with government agencies, and will also be able to effectively monitor information exchange with GIS GMP. Anna Nazarova, Deputy Director of RS-Bank Banking Software Development Department, R-Style Softlab

RS-Connect. Working with PDL reference book

On July 11, 2018, R-Style Softlab announced the release of a software product designed to work with the reference book of public officials (PDL) of the Interfax news agency. RS-Connect module. Working with the PDL reference book "has replenished the line of products for organizing the interaction of credit institutions with state information systems.

Obtaining information from the Interfax Directory of Public Officials (PDL) and working with this directory is carried out through the use of the X-Compliance XML data download access service. RS-Connect module. Working with the PDL reference book "receives data from the information agency in the form of XML files, unzips them, creates a list of PDLs, maintains it in an up-to-date state and generates responses to ABS requests. In turn, the bank's ABS refers to the generated directory and uses its data to check customers for belonging to various categories of PDL.

According to federal law No. 115-FZ on countering the legalization of proceeds from crime, credit institutions are obliged to check their clients for many different lists and directories, - said Anna Nazarova, Deputy Director for Development of the RS-Bank Banking Software Department of R-Style Softlab. - Thanks to our decision, when checking the belonging of individuals to the PDL categories, banks will have the opportunity not only to use the information provided by the client, but also to additionally confirm it with information accumulated and systematized in the Interfax news agency handbook.

RS-Connect. CCR operator WS

2019: Integration with TRIBE from Rostelecom

On July 16, 2019, the company R-Style Softlab integrated modules of the RS-Connect line to work Unified biometric system with c a typical information security solution created by the company. Rostelecom The draft solution is approved FSB and meets all processing requirements information security. biometric data

To work with biometric data of customers, banks need a comprehensive solution. On the one hand, it should contain application software for working with a client account in the ESIA, removing biometrics and sending data to the ESIA/EBS (RS-Connect modules: "Exchange with the ESIA," "Exchange with the EBS" and "TsO operator's AWS"), on the other hand, it should have a solution that ensures compliance with information security requirements when registering biometric data in the EBS. This is a software and hardware complex for the implementation of cryptographic functions, providing cryptographic protection of the KV2 class, which is undergoing case studies in the FSB.

In order to provide banks with the necessary automation means for registering biometric data of citizens in the EBS, R-Style Softlab cooperates with Rostelecom, which is the operator of the Unified Biometric System and the developer of a standard information security solution (TRIBE) for working with biometrics. TRIB includes PAC, TLS gateway, firewalls, etc. The draft of this decision was approved by the FSB back in February, and as of July 2019, case studies are being conducted to obtain a laboratory licensed by the FSB on full compliance with the regulator's requirements for information security when processing biometric data.

To sign biometric samples, RS-Connect modules will interact with Rostelecom's standard information security solution (TRIBE). To do this, we received a description of the API (Application Programming Interface) from Rostelecom and integrated the systems. Thanks to this, by purchasing a comprehensive biometrics solution, including RS-Connect and TRIBE, banks comply with the requirements of the legislation in terms of biometrics registration, taking into account information security requirements,

2018: Issue of "RS-Connect. CCR Operator WS "

On July 4, 2018, R-Style Softlab announced the release of the next product intended for the bank to work with customer biometric data. RS-Connect module. The Central Office Operator AWS "(automated workplace of the service center operator), which provides the removal, verification and transfer of biometric data of citizens, has replenished the line of products for organizing the interaction of credit institutions with state information systems.

From July 1, 2018 - the date of entry into force of the Federal Law of 482-FZ of 31.12.2017 - the bank is obliged after identification of the client - an individual with his personal presence and with his consent to place or update in the Unified Identification and Authentication System (ESIA) information necessary for registration of the client in it, as well as to collect, process biometric personal data, verify them and transfer them to the Unified Biometric System (EBS). This obligation applies to all banks participating in the Deposit Insurance Agency (DIA).

Thus, in order to fully meet the requirements of the regulator, the credit institution to work with the client's biometric data in addition to the RS-Connect module. The WS of the CCR operator "will also need RS-Connect modules. Exchange with ESIA "- to work with the client account in ESIA and" RS-Connect. Exchange with the EBS "- for the transfer of biometric data to the EBS.

author '= Anna Nazarova, Deputy Development Director of RS-Bank's Banking Software Department, R-Style Softlab ' The Federal Law of 482-FZ, according to which banks are obliged to interact with the ESIA and the EBS to transfer the client's biometric data, will affect all credit institutions. Despite the fact that this is an absolutely unknown topic for the banking sector, our company has prepared a ready-made comprehensive solution that will allow you to comply with the requirements of the law in the shortest possible time, ensuring the implementation of all the necessary actions - registration/confirmation of an account in the ESIA, removal and verification of the quality of biometric data, sending them to the ESB. All this will allow banks not only to follow the letter of the law, but will open up spaces for remote identification.

RS-Connect. Exchange with the electronic exchange of bank guarantees

In March 2018, R-Style Softlab expanded the RS-Connect line of solutions, supplementing it with a module for automating the interaction of banks with the Electronic Bank Guarantee Exchange. The product makes it possible to establish an exchange between various banking systems and a My-bg.ru trading platform that provides assistance to legal entities (participating in public procurement tenders) when they apply to credit organizations for financial support in the form of bank guarantees.

According to the developers, the module "RS-Connect. Exchange with the Electronic Bank Guarantee Exchange "was created in order to improve the quality of information entry (completeness, reliability, relevance) on the bank's side, as well as reduce time costs for operations under the issued express guarantees.

The IT solution has built-in functionality for obtaining information from the automated information system (AIS) of the exchange on applications for bank guarantees, generating receipts to AIS based on the results of initial data processing, analyzing information, transferring the received data to the bank's systems.

The electronic exchange provides business with the opportunity to send through its portal an application for bank guarantees for several credit institutions at once. Therefore, the efficiency of financial structures in processing requests is of key importance, - said Anna Nazarova, Deputy Director of the Banking Software Department of RS-Bank, R-Style Softlab. - The solution developed by our company helps to optimize internal processes in the bank, speeds up the exchange of information with the exchange system and, ultimately, increases the number of bank express guarantees issued.

RS-Connect. Registration with the ESIA

On November 14, 2017, R-Style Softlab announced the inclusion of the RS-Connect module in the RS-Connect product line. Registration with ESIA, "designed for the exchange of data between banks and the Unified Identification and Authentication System (ESIA).

With the help of an IT solution, credit institutions that have received the status of the ESIA Service Center will confirm and register customer records in the Unified Identification and Authentication System (on the public services portal). In the future, the status of the ESIA Service Center will open banks access to a database of biometric data of users registered in the system. With its help, they will identify customers remotely - based on a certain set of biometric information.

After installing the RS-Connect module. Registration with ESIA "banks will be able to launch a number of other" connectors "that open access to information from the ESIA, in particular, an extract from the FIU, which optimizes the assessment of the client's creditworthiness based on his accruals to the Pension Fund.

Confirmation of an account in the ESIA is a demanded service. Its presence in the bank will not only attract clients to it, but will also give the credit institution another big preference - the opportunity to receive data about the client from ESIA, - said Anna Nazarova, Deputy Director of the RS-Bank Banking Software Department of R-Style Softlab.

The solution can be integrated with any automated banking system. Online interaction is implemented through a web service, offline file exchange serves for this. For integration with ABS from R-Style Softlab - RS-Bank V.6 and RS-Bank v. 5.5 - the module provides built-in services.

The RS-Connect line also includes solutions for integrating and exchanging data with, GIS HOUSING AND COMMUNAL SERVICES,, RPF, and FTS FSSP CEC other departments.

RS-Connect. Exchange with FSSP

2022: The ability to receive information from the FSSP through SMEV 3

On November 1, 2022, R-Style Softlab announced the expansion of the functionality of the RS-Connect software module. Exchange with the FSSP, "adding to it the opportunity through SMEV 3 to receive information from the Federal Bailiff Service on the progress of enforcement proceedings. Both subscription and sending requests to the FSSP are available to users.

Both subscription and sending requests to the FSSP are available to users.

With the advent of this functionality, the RS-Connect module. Exchange with the FSSP "fully covers the needs of credit institutions in information exchange with the Federal Bailiff Service, allowing not only to receive all the necessary information about enforcement proceedings, but also to automate work at the request of officials in the FSSP (timely formulating responses to them) and under orders of restriction or arrest (automatically transmitting information to banking systems and, if necessary, generating notifications about their execution). Thus, all the requirements of the regulator in the module are taken into account.

Timely receipt of the necessary information about the progress of enforcement proceedings, bank how the recoverer can control the actions of bailiffs, predict the collection of debt and track the receipt of recovered funds. Taking this information into account in the work will significantly reduce risks when working with clients, - commented, Anna Nazarova Deputy Director of the Banking Department, ON RS-Bank R-Style Softlab.

2020: Support for the latest version of FSSP formats

June 16, 2020 R-Style Softlab announced the implementation of support for the latest version of the formats of the Federal Bailiff Service () FSSP to work banks with requests and decisions of bailiffs in accordance with the latest types of information 3. SMEV The functionality is available in the RS-Connect module. Exchange with FSSP "from the RS-Connect line of software products designed for online interaction state with information systems.

Updates allow banks to work with an updated version of the FSSP formats in terms of requests from officials of the FSSP of Russia, as well as decisions on restriction or arrest. In the latest types of information, messages have been added confirming the receipt by participants in the exchange, that is, the FSSP and the bank, of all electronic messages. In addition, in the RS-Connect module. Exchange with FSSP "support continues for the previous version of the FSSP formats.

FSSP systematically transfers credit institutions to electronic exchange by type of information of the 1.1.1 format, - said Anna Nazarova, Deputy Director of the Banking Software Department of RS-Bank, R-Style Softlab. - Our implementation fully complies with the requirements of these formats and makes it possible to automate work both at the request of FSSP officials, timely formulating responses to them, and on decisions on restriction or arrest, automatically transmitting information to banking systems and forming notifications about their execution to FSSP.

2017

On October 27, 2017, R-Style Softlab announced the inclusion in the product line of a module for exchanging bank data with the Federal Bailiff Service (FSSP) - "RS-Connect. Exchange with FSSP. " The IT solution will allow credit institutions to automate the processes of obtaining, processing and storing requests and orders from bailiffs.

In accordance with the Federal Law of 02.10.2007 No. 229-FZ "On Enforcement Proceedings," all banks of the country are obliged to process requests from the FSSP within 7 days (including the day of receipt), and to comply with the resolutions immediately. Only small financial institutions can withstand such a time frame in the case of manual processing. Large banks need the process to be automated, otherwise they risk being subject to penalties for violating deadlines, "said Lev Frenkel, director of the RS-Bank banking software department at R-Style Softlab.

With "RS-Connect. Exchange with FSSP "financial organizations will be able to accept and promptly process requests from the Federal Bailiff Service for accounts and cash transactions conducted by clients, send a prepared response about the presence/absence of such, and maintain a register of exchange messages with the department. In 2018, the functionality for processing arrest orders and removing arrest from funds will become available to users of the application.

In general, according to Lev Frenkel, automation of electronic interaction with the FSSP will help financial institutions reduce the burden on employees, as well as optimize work on interaction with the department. The module will allow credit institutions to timely comply with the instructions of the FSSP and conduct enforcement proceedings against the bank's customers until full completion.

The solution can be easily integrated with any automated banking system through web services (online) or file sharing (offline). For integration with ABS from R-Style Softlab - RS-Bank V.6 and RS-Bank v. 5.5 - the module provides built-in services.

RS-Connect. Exchange with FFMS

R-Style Softlab announced in June 2017 the release of a new solution for electronic interaction of banks with the Federal Financial Monitoring Service - "RS-Connect. Exchange with FFMS. "

The IT system was developed in support of the requirements of the Regulation of the Central Bank of the Russian Federation dated 20.07.2016 No. 550-P "On the procedure for informing credit institutions and non-bank financial institutions about cases of refusal to conclude a bank account agreement (deposit) with the client, refusal to fulfill the client's order to perform an operation, on cases of termination of bank account agreements (deposit) with the client."

According to the new standards, from June 27, 2017, banks will be obliged to ensure the reception of electronic messages from the FFMS, as well as the application of the information received in the process of determining or revising such a client assessment criterion as the degree of risk of unfair or criminal financial transactions.

The consequence may be the decision of the bank to terminate previously signed agreements with the owner of the account (deposit) - an individual or legal entity - or to refuse to conclude contracts with a new client, which is regulated by law as the right of a financial institution.

"Messages from FFMS will come in XML format and contain information about failure cases, including the necessary details (unreliable customer data, date and technical parameters of failure, much more). Banks will have to form a notice of acceptance (non-acceptance) of electronic message files, - said Anna Nazarova, Deputy Director of the RS-Bank Banking Software Department. "This will require the introduction of additional specialized solutions, such as RS-Connect, and updating the ABS installed in banks."

RS-Connect. Exchange with FFMS "is a web module that provides the necessary functions for solving the task set by the regulator to banks - downloading messages from the FFMS, sending notifications to responsible employees at their corporate electronic addresses and generating notifications to the FFMS.

Along with the development of the solution, the company also carried out its integration with its own automated banking systems (RS-Bank v.5.5 and RS-Bank V.6). The update is aimed at providing financial institutions with the opportunity to conduct mass and selective checks of client data and compare them with the FFMS information without leaving the ABS.

RS-Connect. Exchange with the Federal Tax Service

2023

Add RS-Connect module. FTS. Getting Mobilized Information "

R-Style Softlab On April 24, 2023, the company introduced a software product in the line of solutions for interacting state with information systems - the RS-Connect module.. FTS Retrieving information about. mobilized

The module is designed for electronic interaction of the bank with the Federal Tax Service in order to obtain data on the mobilization of its clients - individuals (including citizens who are the founders/heads of organizations - legal entities) who are undergoing military service under the contract in accordance with Decree of the President of the Russian Federation dated 21.09.2022 No. 647.

The module generates an electronic request in order to obtain information about the fact of the beginning and end of mobilization by citizens, which is sent to the Federal Tax Service. Here, the response received from the Federal Tax Service is also received, processed and preserved. Interaction is carried out through SMEV. The obtained mobilization data is used by banks to timely verify and confirm the client's rights to credit holidays or to suspend enforcement proceedings.

The module provides:

• Reduction of risks when issuing loans under the Credit Holidays program;
• Effective execution of the document flow, when the mobilized have the right to submit an application to the bank to suspend enforcement proceedings;
• Guaranteed and quick confirmation of mobilized status;
• Improving the convenience of customers who now do not need to bring documents confirming participation in SVO;
• Minimization of risks of non-compliance with the requirements of Federal Laws No. 106-FZ of 03.04.2020, 377-FZ of 07.10.2022 and 603-FZ of 29.12.2022.

According to the law, banks are obliged to provide various benefits to those clients who have been mobilized. Our connector "RS-Connect. FTS. Obtaining information about the mobilized "is designed to help the bank quickly obtain guaranteed information about mobilization from the Federal Tax Service through the SMEV. You no longer have to demand supporting documents from the client or request them in paper form from other organizations - it is enough just to create a request to SMEV, and an answer with the necessary information will immediately come, - commented Anna Nazarova, Deputy Director of the RS-Bank Banking Software Department of R-Style Softlab.

Add RS-Connect module. Simplified tax deduction "

R-Style Softlab On January 30, 2023, the company introduced a software product - the RS-Connect module. Simplified, " tax deduction which allows you to to bank interact Federal Tax Service with for exchange on information a simplified tax deduction on a client's application. bank The exchange is implemented via electronic channels through communications , which API FTS significantly reduces time services.

Now, instead of going for a deduction, first to the Federal Tax Service, and then to the bank, it is enough for the client to immediately contact the bank, where with the help of our module he will be able to apply for a deduction in a simplified manner and promptly receive tax deductions on investment and property taxes without filing a declaration. Thanks to this functionality, banks will be able to increase the convenience of using their products, reduce service time and, therefore, affect customer loyalty.

How does it work:

• RS-Connect module. Simplified tax deduction "sends a request for deduction formed in ABS and the required documents on the deduction object to the Federal Tax Service.
• Receives and processes data on the results of the audit received from the Federal Tax Service, organizes the storage of these data.
• Transfers the results to the bank's systems.

Many bank customers are interested in getting a tax deduction easily and quickly. Our module allows to credit the institution to provide such a service, - said the Anna Nazarova deputy director of the banking department for ON RS-Bank development. - The tax deduction is made completely automatically - at the click of one button in the bank or mobile application system Internet. Everything else will do the connector - quickly and imperceptibly for the client.

2022: Add RS-Connect module. Register of recovery through SMEV "

R-Style Softlab on December 26, 2022 announced the emergence of an additional module in the product line for interaction with GIS RS-Connect - "RS-Connect. Register of penalties through SMEV. " Thanks to this product, banks will be able to organize interaction with the Federal Tax Service in accordance with the requirements of the Federal Law of 14.07.2022 No. 263-FZ "On Amendments to Parts One and Two of the Tax Code of the Russian Federation." This applies to message types such as RPO, PNO, PPD, PPV, PPM, APN, APO.

The module functions both in tandem with the Exchange with the Federal Tax Service by 440-P module, providing processing of incoming and sending outgoing SMEV 3 messages, and autonomously, when the exchange with SMEV 3 does not provide for further work with the received archives.

The module supports two types of information:

• Transfer to credit institutions of shipping containers containing documents sent by the Federal Tax Service;
• Transfer to the Federal Tax Service of Russia of transport containers containing documents formed by credit institutions.

The module also provides for notification of responsible users by e-mail in case of the following situations:

• if there are errors in the exchange with SMEV or FTS;
• When the processing status of the request is negative
• when receiving an incoming transport container.

In addition, in the RS-Connect module. Register of penalties through SMEV "there is the possibility of passing a reference test to connect to the relevant types of SMEV information.

This module allows you to easily switch to exchange with the Federal Tax Service through SMEV without the need for improvements on the side of the current exchange on the 440-P and provides automatic processing of messages from the Federal Tax Service, - commented Anna Nazarova, Deputy Director for Development, Department of Banking Software R-Style Softlab.

Functionality is mandatory for banks. By the end of 2022, credit organizations can already connect to the Types of SMEV information, and the exchange with the Federal Tax Service through SMEV will begin on March 1, 2023. R-Style Softlab customers will be able to receive an additional module in December 2022.

2021

4.0 Format Support

R-Style Softlab on March 15, 2021 announced the implementation in the RS-Connect module. Exchange with the Federal Tax Service "support of 4.0 format messages for interaction between banks and the Federal Tax Service within the framework of Bank of Russia Regulation No. 440-P of 06.11.2014.

Thanks to updates to the RS-Connect module. Exchange with the Federal Tax Service "banks can accept requests from the tax authority and send responses to them, exchange official electronic messages with the Federal Tax Service in current formats, and also process the latest types of messages:

PPV - an order for the sale of foreign currency from the currency account of the taxpayer (fee payer, insurance premium payer, tax agent) and the transfer of funds from the sale of foreign currency;

PPM - an order for the sale of precious metals from the account (deposit) in the precious metals of the taxpayer (fee payer, insurance premium payer, tax agent) and the transfer of funds from the sale of precious metals.

The 4.0 (and 3.01) formats have entered into force with 16.03.2021 according to the requirements of the following documents: Order of the Federal Tax Service of Russia dated 19.07.2018 No. MMV 7-2/460 @ "On Approval of Forms and Formats of Sending Requests to the Bank by the Tax Authority (to the money transfer operator) in electronic form, "Order of the Federal Tax Service of Russia dated 19.03.2019 No. MMV 7-8/144 @" On approval of the forms and formats of the order for the sale of foreign currency from the taxpayer's currency account and transfer of funds from the sale of foreign currency, an order for the sale of precious metals from an account in the taxpayer's precious metals and the transfer of funds for the sale of precious metals, "descriptions of the Tax and Tax-2 formats.

Over the past two years, banks and IT companies engaged in banking automation have followed with particular attention the approval of the transition to the latest formats of data exchange with the Federal Tax Service. They were partially approved back in 2019, partially - announced in the form of draft regulations. The final version, which was also amended, was adopted at the end of 2020, - said Anna Nazarova, Deputy Director of the Banking Software Department of RS-Bank, R-Style Softlab. - In our product "RS-Connect. Exchange with the Federal Tax Service "we implemented support for 4.0 (and 3.01) formats also gradually, as the formats were adopted by the Federal Tax Service. With 16.03.2021 , the "connector" is ready to interact with the Federal Tax Service on current formats. Updates will allow banks, as before, to effectively comply with the requirements of the regulator.

Updating formats for online interaction of banks with the Federal Tax Service of Russia

On February 3, 2021, R-Style Softlab announced the updating of formats allowing banks to exchange messages with the Federal Tax Service (FTS of Russia) within the framework of Bank of Russia Regulation No. 311-P of 07.09.2007. This functionality appeared in the RS-Connect module. Exchange with the Federal Tax Service "from the RS-Connect line of software products designed for online interaction with state information systems.

The current updates were implemented in accordance with Order of the Federal Tax Service of 28.05.2020 No. ED-7-14/354 @ "On Approval of the Forms and Format of Bank Messages to the Tax Authority Provided for in Clause 1 of Article 86 of the Tax Code of the Russian Federation in Electronic Form." In accordance with its requirements, R-Style Softlab changed the formats of existing message types, and also implemented two additional message types.

Thanks to this functionality of the RS-Connect module. Exchange with the Federal Tax Service "banks can send the following messages to the Federal Tax Service in electronic form:

• about opening or closing an account, deposit (deposit), about changing account details, deposit (deposit) of an organization, an individual entrepreneur, an individual who is not an individual entrepreneur;
• on granting the right or termination of the right of the organization, individual entrepreneur to use corporate electronic means of payment (CESP) for electronic money transfers, as well as on changing the CESP details;
• on granting or terminating the right of an individual to use personalized electronic means of payment (ESP) for electronic money transfers, as well as on changing ESP details.

Supporting the requirements of the law is one of the most priority areas of work for our company, "said Anna Nazarova ON RS-Bank R-Style Softlab, Deputy Director of the Banking Department. - Thanks to timely updates to the RS-Connect module. Exchange with the Federal Tax Service 'since January 2021, banks - our clients have already begun sending messages to the Federal Tax Service in updated formats, which allowed them to avoid possible regulatory risks.

2020

Providing banks with information on customer income

R-Style Softlab On August 4, 2020, it announced the expansion of the functionality of the module for obtaining the results of public services from the line of "connectors" for online exchange data state with information systems. Now, in order to assess the reliability of the client banks , they can, with his consent, request a certificate Federal Tax Service of income of an individual in the form of a 2-NDFL.

This information is available to financial institutions thanks to the interaction of the module for obtaining the results of public services in RS-Connect with the integration module of the Unified Portal of State and Municipal Services (EPGU) through SMEV 3.

Assessing the information on the client's income indicated in the certificate on the form of 2-NDFL is one of the key stages for banks in the course of deciding on the provision of various services - from a consumer loan to a mortgage, - said Anna Nazarova, Deputy Director of the Banking Software Department of RS-Bank, R-Style Softlab. - Automation of the request and receipt of a 2-NDFL certificate, implemented in the module for obtaining the results of public services in RS-Connect, will allow banks to more accurately determine the level of reliability of a potential borrower and reduce the risks of non-payment on loans. In addition, the added functionality will improve the quality of customer service, saving them time - they will not have to apply for a 2-NDFL certificate to the accounting department at the place of work.

Automation of processing of electronic orders for the sale of foreign currency and precious metals

On June 10, 2020, R-Style Softlab announced the automation of the processing of electronic orders for the sale of foreign currency and precious metals as part of the interaction of banks with the Federal Tax Service (FTS of Russia). Updates are available in the RS-Connect module. Exchange with the Federal Tax Service "from the RS-Connect line of software products designed for online interaction with state information systems.

The functionality enables you to process the following message types:

· PPV - orders for the sale of foreign currency from the currency account of the taxpayer (fee payer, insurance premiums, tax agent) and the transfer of funds from the sale of foreign currency; · PPM - orders for the sale of precious metals from the account (deposit) in the precious metals of the taxpayer (assembly payer, insurance premiums, tax agent) and the transfer of funds from the sale of precious metals.

Added functionality of the RS-Connect module. The exchange with the Federal Tax Service 'was implemented in accordance with the Order of the Federal Tax Service of 19.03.2019 No. MMV-7-8/144 @, - said Anna Nazarova, Deputy Director of the Banking Software Department of RS-Bank, R-Style Softlab. - Now banks will be able to receive electronic orders for the sale of foreign currency and precious metals and automatically process them in our "connector," thereby fully fulfilling the requirements of the regulator.

2018: Automatic receipt of information about locks on customer accounts

On June 27, 2018, the company R-Style Softlab expanded the functionality of the Exchange with the Federal Tax Service module from the product line for interaction with government agencies. RS-Connect Thanks to the presented option banks , they will be able to automatically receive information from (Federal Tax Service FTS) about blocks on customer accounts.

The module allows organizing the interaction of various automated systems of the bank with the Federal Tax Service through the SMEV, as required by the Order of the Federal Tax Service of 20.03.2015 No. MMV-7-8/1172 "On the approval of the Procedure for informing banks about the suspension (cancellation of suspension) of operations on the accounts of a taxpayer-organization and the transfer of its electronic funds in the bank, as well as on the accounts of persons specified in paragraph 11 of Article 76 of the Tax Code of the Russian Federation."

«RS-Connect. Exchange with the Federal Tax Service "sends to SMEV 3 requests received from related systems for information on the availability of decisions to suspend operations on client accounts in other banks, accumulates responses and redirects them to related systems.

RS-Connect. Exchange with the Federal Tax Service "allows credit institutions to automatically check whether their clients have suspensions in other credit institutions before opening an account. As a result, financial companies will be able to protect themselves from risky transactions. Anna Nazarova, Deputy Director for Development of RS-Bank Banking Software Department of R-Style Softlab

2017: Module Release

In June 2017, R-Style Softlab introduced an IT system for exchanging bank data with the Federal Tax Service (FTS) - "RS-Connect. Exchange with the Federal Tax Service. " The solution will allow both multifilial and unitary credit institutions to automate the processes of receiving and processing requests from the state department on the accounts of individuals and legal entities.

The release of the product is timed to coincide with the entry into force in the summer of 2017 of formats for the interaction of credit institutions with the Federal Tax Service - in accordance with the requirement of the Regulation of the Central Bank No. 440-P dated 06.11.2014 "On the procedure for sending certain documents of tax authorities to the bank, as well as sending certain documents of the bank to the tax authority in electronic form in cases provided for by the legislation of the Russian Federation."

«RS-Connect. Exchange with the Federal Tax Service "will help financial institutions timely process requests from the Federal Tax Service about the presence of accounts of individuals and legal entities, the availability of funds for them and their movement, if necessary, suspend operations (and cancel their suspension), accept instructions from the department to write off funds from settlement and deposit accounts, as well as respond to decisions of the Federal Tax Service to cancel previously sent orders and notify them of their non-fulfillment.

The product is a specialized solution that integrates with any banking IT system through web services (online). For integration with ABS from R-Style Softlab - RS-Bank v. 5.5 - the module provides built-in services. Along with the automated processing of messages and responses, it has created a user interface that allows, if necessary, to process messages or monitor the operation of the system in manual mode.

Thanks to RS-Connect. Exchange with the Federal Tax Service "financial organizations will be able to comply with the requirements of the Federal Tax Service in a timely manner and with minimal effort," said Anna Nazarova, Deputy Director of the RS-Bank Banking Software Department of R-Style Softlab. - At the same time, one bank, regardless of the branching of its branch network, will need one installation of the solution, since numerous divisions with their systems are connected to it on the principle of "subscribers." In addition, to simplify the exchange of data, the new module provides for the routing of requests and responses to source systems (applications of the bank and its departments). This functionality is an important component without which such solutions cannot provide the level of automation required today. "

In addition, in accordance with the electronic document exchange standards in "RS-Connect. Exchange with the Federal Tax Service "is provided with the ability to archive and encrypt data, as well as verification and digital signature.

RS-Connect. Exchange with FCS

On June 17, 2022, R-Style Softlab announced the implementation of new types of service messages in RS-Connect. Exchange with the FCS "within the framework of information exchange between automated banking systems and the Federal Customs Service.

The revision was implemented in support of the requirements of Bank of Russia Regulation No. 741-P, dated 30 November 2020, "On the Procedure for the Customs Authority to Send Individual Customs Body Documents to the Bank in the Form of Electronic Documents, and for the Bank to Send Messages to the Customs Authority Containing Information on Cash Balances (precious metals) in the accounts of the payer (person bearing a joint obligation) in the bank and information about the balances of electronic funds, as well as on the establishment of the date of receipt by the bank of certain decisions of the customs authority. "

The list of data the types of electronic service messages regulated by the regulatory act, which are exchanged by customs authorities and banks through, Bank of Russia includes:

• decision on suspension of transactions (on cancellation of suspension of transactions) on accounts;
• orders of the customs authority for undisputed collection, for the transfer of funds from a deposit account, for the sale of precious metals, for the sale of foreign currency;
• the decision of the customs authority to revoke the authority's order, to revoke the collection order;
• reporting of cash balances (precious metals) in the payer's accounts.

Message formats comply with regulatory regulations.

This functionality is implemented in RS-Connect v.1.00.001.76 and is available to the company's customers from June 17, 2022.

RS-Connect. Exchange with FNP

R-Style Softlab presented in April 2017 a module for the exchange of bank data with the Federal Notary Chamber (FNP) - "RS-Connect. Exchange with the FNP. " The IT solution will allow credit institutions to automate the processes of storing and sending notifications about the pledge of movable property to the FNP.

According to the basics of the legislation of the Russian Federation on notaries No. 4462-1 of 11.02.1993 and Federal Law No. 391 of 29.12.2015 "On Amendments to Certain Legislative Acts of the Russian Federation," financial organizations can send information to the Federal Notary Chamber about contracts concluded with individuals and legal entities for the security of movable property in order to register this type of information. In the future, banks are obliged to inform the FNP about all changes made to the agreements, as well as about the termination of their validity. With "RS-Connect. Exchange with the FNP "banks will be able to promptly transmit notifications to the FNP about the occurrence, change or exclusion of information about the pledge of movable property.

The solution is a standalone product that can be easily integrated with any automated banking system through web services (online) or file sharing (offline). For integration with ABS from R-Style Softlab - RS-Bank V.6 and RS-Bank v.5.5 - the module provides built-in services.

RS-Connect. SNILS Validation and Simplified Identification

On March 14, 2017, R-Style Softlab announced RS-Connect technologies. SNILS Validation "and" RS-Connect. Simplified identification "to verify the personal data of bank customers.

The RS-Connect line includes two products: "RS-Connect. SNILS Validation "and" RS-Connect. Simplified identification. " They will allow credit institutions to quickly confirm the identity of customers through the services of the interdepartmental electronic interaction system (SMEV).

According to federal law No. 115-FZ of the 07.08.2001 "On countering the legalization (laundering) of proceeds of crime and the financing of terrorism," when transferring funds (cash and electronic) on behalf of an individual client, his simplified identification can be carried out if he does not open a bank account. «RS-Connect. Simplified identification "helps a credit institution using SMEV services online to check the compliance of the client's full name, passport data, TIN and SNILS. In response to a request from the bank from SMEV, a message is received about the correctness of personal data. At the same time, the module implements the ability to automatically execute several repeated requests in case of delay in the receipt of a response from the CMEV.

«RS-Connect. SNILS validation "allows financial institutions to identify a client according to the certificate of compulsory pension insurance online. With the help of this module, the banking specialist sends the name, date of birth, gender and SNILS of an individual to the SMEV. In response, the system receives information about the compliance of the individual personal account number with the family-name group.

Technologies are independent products for integration with any automated banking system through web services (online) or file exchange (offline). For integration with the ABS of R-Style Softlab - RS-Bank v.5.5 and RS-Bank V.6, built-in services are provided in the modules.

Verification of personal data of citizens through SMEV will significantly facilitate the work of employees performing customer identification, and will speed up the adoption of decisions on the conduct of banking operations requested by individuals. Lev Frenkel, Director of RS-Bank Banking Software Department at R-Style Softlab

RS-Connect. Exchange with FIU

2021: Service for Managing Parent Capital

On August 11, 2021, R-Style Softlab announced that it had automated the interaction of banks with the Pension Fund to exchange information on parent capital in terms of issuing an application for disposal of maternity (family) capital.

With the help of the presented "connector," credit organizations will be able to increase the convenience of service for customers by providing them with the opportunity to apply for the disposal of parent (family) capital at the stage of obtaining a loan through the bank.

RS-Connect module. The exchange with the FIU of information on maternal (family) capital "allows:

• process requests from the bank's systems for the transfer to the FIU of a loan approval notice, information from a loan agreement, applications for the disposal of maternity (family) capital funds and send them to the FIU through the SMEV;
• receive notifications from the FIU through the SMEV about the right to dispose of maternity (family) capital and the result made on the application for the order, as well as transfer the information received to the bank's automated system;
• store data on all messages received and sent when interacting with the systems of the bank, the FIU (SMEV).

The functionality of the module complies with the requirements of Federal Law No. 35-FZ dated 01.03.2021.

In the context of the growth of the mortgage lending market, this RS-Connect module allows the bank to significantly increase customer loyalty and attract new ones, as a result, improving competitiveness, "said Anna Nazarova, Deputy Director of the RS-Bank Banking Software Department, R-Style Softlab. - In order to apply for the disposal of maternal (family) capital, the client does not need to first contact the FIU and independently collect the full package of documents, it is enough to contact the bank. The credit institution provides a service for drawing up a loan and applying for its repayment (or for paying the first installment) using maternity capital funds, as well as all related documents in electronic form using our 'connector'.

2020: Updating formats for online interaction of banks with the Pension Fund

On November 10, 2020, R-Style Softlab announced the implementation of support for current formats for online interaction of banks with the Pension Fund in the RS-Connect module. Exchange with the FIU "from the line of" connectors "for electronic data exchange with GIS.

The functionality ensures the enrollment of a number of social payments on MIR cards, as well as the indication of the code of types of income when receiving from the FIU in accordance with the requirements of Government Decree No. 920 of 25.06.2020 "On Amendments to the Decree of the Government of the Russian Federation of December 1, 2018 No. 1466."

In addition, the IT company has completed improvements in accordance with the 52nd format for exchanging PFR data with organizations delivering pensions.

Module 'RS-Connect. The exchange with the FIU 'fully meets the latest legal requirements for online interaction with the Pension Fund, which is especially important when banks work daily with a large flow of social benefits. With this functionality, they will be able to timely fulfill all the requirements for electronic exchange, - said Anna Nazarova, Deputy Director of the Banking Software Department of RS-Bank, R-Style Softlab. - I would especially like to note that the presence of a separate RS-Connect platform for interaction with government agencies allows banks to reduce the costs of supporting new online exchange formats, since in this case we undertake the bulk of work as part of the support of our software.

2018: Modernization of the module for obtaining Extracts from the FIU

On September 5, 2018, R-Style Softlab announced the modernization of the module for receiving Extracts from the FIU in the software complex for interaction with state information systems RS-Connect, adding the possibility of integration with the State Public services portal through SMEV 3. According to the company, this functionality allows the bank's information system to initiate the receipt of a Notice of the state of the client's personal account with the FIU.

As previously reported, integration was carried out through the interagency electronic interaction system SMEV 2. Integration through SMEV 3 is implemented by connecting to the service "Receiving a state or municipal service for a specified user at the initiative of a third party (integration module)."

The bank's automated system creates a request for FIU Statements, and RS-Connect sends this request to SMEV 3. In order for the bank to use this service, the client must confirm his consent to the provision of information, after which the Unified Portal of Public services through SMEV 3 will transfer the statement to RS-Connect, and then it will enter the bank's system. It is also possible to request a FIU Statement without integrating with the bank's systems - directly through the RS-Connect user interface.

Thanks to the ability implemented in RS-Connect to receive online through SMEV 3 Notification of the state of the client's personal account in the FIU, banks will be able to solve the problem of organizing timely access to reliable information about the client's trustworthiness. Anna Nazarova, Deputy Director of Banking Software Department for Development R-Style Softlab

2017: Revocation of accrued pensions from recipient accounts

R-Style Softlab updated in May 2017 the system for electronic interaction of banks with the Pension Fund of Russia (PFR). In the updated version of the solution "RS-Connect. Exchange with the FIU "The IT company has implemented the functionality to return to the FIU the accrued pensions from the accounts of the recipients.

Users of the solution - employees of credit institutions - can now promptly, at the request of the Pension Fund, recall pension accruals from the settlement accounts of recipients. At the same time, after processing transactions for all accounts that were contained in the return register, a report on the amounts sent and not sent to the FIU is automatically generated and sent to the department.

R-Style Softlab released in December 2016 a module for exchanging bank data with the Pension Fund of Russia (PFR) - "RS-Connect. Exchange with FIU. " The IT solution will allow credit institutions to automate the processes of receiving, processing and storing information about pension accruals and other social payments to citizens.

With "RS-Connect. Exchange with the FIU "financial organizations will be able to process information on accruals received from the Pension Fund and send a prepared report on the crediting/non-crediting of amounts in response. Next year, application users will have access to functionality to return pensions from recipients' accounts upon request from the FIU, as well as the formation and transfer of annual reports to the department.

The solution is a standalone product that can be easily integrated with any automated banking system through web services (online) or file sharing (offline). For integration with ABS from R-Style Softlab - RS-Bank V.6 - the module provides built-in services.

«RS-Connect. Exchange with the FIU "is another module from the line of" connectors "for electronic interaction of banks with state information systems. Earlier, the company presented solutions for integrating and exchanging data with GIS housing and communal services, as well as with the Central Election Commission.

RS-Connect. Exchange with GIS Housing and Communal Services

2019: Implementation of interaction with GIS Housing and Utilities through SMEV 3

On July 2, 2019, R-Style Softlab announced the implementation of the possibility of online interaction between banks with GIS GMP and GIS housing and communal services through SMEV 3. Read more here.

2016: Release of the RS-Connect module. Exchange with GIS Housing and Communal Services "

Release of RS-Connect module. The exchange with GIS housing and communal services "is timed to coincide with the entry into force of the requirements of federal law No. 209-FZ" On the state information system of housing and communal services, "which obliges state organizations, resource suppliers and banks to transfer information on making payments to citizens for residential premises and utilities to GIS housing and communal services immediately from July 1, 2016. From the industrial launch of the information system (July 1, 2016) until November 2016, the company provided its product for organizing electronic data exchange with GIS housing and communal services to 30 financial organizations.

The RS-Connect line is designed as a modular solution that has a single installer, with each "connector" (module) licensed separately. This will allow banks to purchase only the modules they need, noted in R-Style Softlab.

Users of the decision - employees of credit institutions can promptly inform the person who applied to the bank about his debt to pay for housing and communal services. At the same time, the system allows you to provide data to any citizen - not only a client of this financial organization.

"After sending a request for charges to the GIS Housing and Communal Services, the bank receives the entire set of details on the basis of which a payment document is formed," said R-Style Frenkel Lev ON Softlab, director of the RS-Bank banking department. "This, firstly, allows specialists of a financial institution not to manually enter the data necessary to make a payment, and secondly, payment for housing and communal services becomes possible, including if a person came without payment."

In addition to the ability to inform banking users, this option minimizes the risk of errors of operators when entering information about the service provider and reduces the service time of each client.

«RS-Connect. Exchange with GIS Housing and Communal Services "is included in RS-Connect - a line of R-Style Softlab solutions for electronic interaction of banks with government agencies. Along with the system for working with GIS housing and communal services, a solution for interaction between banks and the central election commission "RS-Connect. Exchange with the CEC. " The RS-Connect modules will be released by the end of the year. Exchange with FSSP "and" RS-Connect. Exchange with FIU. "

RS-Connect. Exchange with the CEC

R-Style Softlab introduced a web module for data exchange with the Central Election Commission (CEC) in the summer of 2016. RS-Connect. Exchange with the CEC "allows financial organizations to automate the processes of searching, collecting and transmitting information about candidates for deputies to the CEC.

According to Law No. 231-FZ of July 13, 2016 and Bank of Russia Ordinance No. 4012-U of May 5, 2016, credit institutions are obliged to provide full information on accounts, deposits, securities of candidates for deputies or other elected positions, their spouses and minor children in response to a request from the CEC. «RS-Connect. Exchange with the CEC "helps the bank to form a response in the required format as soon as possible: the module downloads a file in the CEC format, searches for the necessary information on all bank systems (ABS, storage facilities, front-office systems), consolidates information with the possibility of manual correction, generates a response and uploads the finished file in the CEC format.

The solution is provided as a standalone product that can be integrated with any automated banking system. This module became the second of the line of "connectors" for electronic interaction of banks with state information systems.

RS-Connect. Digital profile

2021: Launch of the module "RS-Connect. Digital Profile "

On November 17, 2021, R-Style Softlab announced the automation of bank interaction as part of obtaining information about the client from the Digital Profile. Using the RS-Connect module. Digital profile "credit organizations, with the consent of the client, can remotely receive information from his account in the ESIA, as well as from various databases (FTS, Rosreestr, Ministry of Internal Affairs, FIU, etc.).

This functionality provides banks with the following options:

• keep client data up-to-date,
• Optimize the receipt and verification of customer information
• reduce the time of servicing and approval of decisions on the issuance of a loan,
• increase online sales by automatically filling out questionnaires.
• The "digital profile" contains about 30 types of records, in particular: passport data, SNILS, TIN, registration and actual residence address, contact information, information from the Unified State Register registry office, etc. Banks can receive this information only with the consent of the client, which is stored in a single register of digital consents, as well as if the client has a confirmed account with the ESIA.

RS-Connect module. Digital Profile "allows banks to:

• receive requests from adjacent systems in terms of obtaining the necessary information about the client;
• send requests to EPGU to receive information from the Client's Digital Profile;
• request the client's consent;
• Obtain the requested information (subject to customer consent)
• send the received information to adjacent systems.
• Interaction with the Digital Profile of the ESIA when obtaining information about the client is assumed both through SMEV and through REST services.

{{quote 'R-Style Softlab has automated another format of interaction between banks GIS and - in terms of data exchange with the Digital Profile. This module allows banks to maintain the relevance of customer data, which means improving the quality of the services provided and increasing customer loyalty, "said R-Style Anna Nazarova ON RS-Bank Softlab, Deputy Director of the Banking Department. - Having correct data on the client, as well as the ability to quickly receive them in electronic form, banks will provide customers with a more convenient remote maintenance one without the need to additionally provide documents, reduce the time for providing services. }}

2023: Inclusion in the register of domestic software

R-Style Softlab's digital platform for online interaction with GIS RS-Connect Pro is registered in the register of Russian software. R-Style Softlab announced this on November 16, 2023.

The RS-Connect PRO platform is a ready-made software product for organizing the work of banks and other financial organizations. Platform modules ("connectors") allow companies to organize the exchange of information with various state information systems, such as GIS housing and communal services, GIS GMP, FSSP, FTS and others.

With RS-Connect PRO "connectors," financial and other organizations can send required information or check client information from various sources. For example, check the information provided by the client for correctness, including passport, data extracts from,. RPF FTS It is important that now our platform has been transferred to an import-substituted stack, - said the deputy director of the R-Style Softlab development department. - Anna Nazarova For electronic interaction of financial institutions with government information systems, platform solutions built on a modular principle are the most optimal. This approach allows the ordering organization to select the necessary system for information exchange at any time.

RS-Connect PRO modules allow the bank to exchange state agencies various types of information. For example, to obtain a client's TIN according to his passport data through, SMEV eliminating the need to provide this document in paper form, check the passport according to the database, MINISTRY OF INTERNAL AFFAIRS organize a check and update information on the register Maly and medium-sized businesses, receive extracts from the Unified State Register of Legal Entities/Unified State Register of Legal Entities from the Federal Tax Service, as well as, with the consent of the client, receive information from the Digital Profile stored in various (FTS, Ministry databases Federal Registration Service of Internal Affairs, FIU, etc.), to ensure remote interaction of clients with the bank without the need for additional submission of documents.

Automation of information exchange with GIS helps financial companies not only improve their business, but also allows them to offer their customers new services, such as providing information about debts and charges, searching and checking counterparties for various databases and others.

The RS-Connect PRO line of services is completely import-substituted and works on the domestic technology stack. The technical means that ensure the functioning of the software are located on the territory of the Russian Federation, which allows you to use the platform in compliance with the requirements for public procurement and the regulation of import substitution in the IT sphere.

2021: OpenJDK Compatibility

R-Style Softlab on February 17, 2021, following testing, confirmed the effectiveness of the RS-Connect platform on OpenJDK (open source Java platform implementation). On the basis of the RS-Connect platform, a line of modules has been created for online interaction of banks with state information systems (GIS housing and communal services, GIS GMP, PFR, Rosreestr, FSSP, FTS, etc.).

Financial institutions that choose RS-Connect solutions can work with free OpenJDK and refuse to purchase licenses for Java Runtime Environment (JRE) updates from Oracle, whose current licensing policy requires licenses to be purchased when using updates in commercial projects.

"We regularly update the technological stack of our software products," said Dmitry Sulimov, technical director of the RS-Bank banking software department, R-Style Softlab. "OpenJDK support will help our customers - users of RS-Connect modules - save on the RS-Connect platform while maintaining all its current capabilities."

2020: "RS-Connect in the Cloud" to organize banks' online interaction with GIS

Russian ON R-Style Softlab On July 7, 2020, a banking developer and integrator announced that, together with the federal cloudy provider RTCloud banks state GIS HOUSING AND COMMUNAL SERVICES GIS GMP one FSSP, they presented a cloud solution for organizing online interaction with information systems such as,,,, etc., RS-Connect in the FTS RPF Cloud. The creation of this solution marks the next stage in the technological development ON of the RS-Connect line.

RS-Connect in the Cloud will allow banks to reduce IT costs, in particular:

• IT system administration and upgrades and technical support;
• Implement "connectors" by minimizing the time to deploy the necessary infrastructure
• hosting.

In addition, the use of RS-Connect in the cloud will provide organizations creditfinancial with increased performance, reliability and security by placing equipment in a secure one. DPC

Various options are available to banks: from placing the entire infrastructure in the cloud to hybrid schemes (some in the cloud, some in the bank).

The RTCloud cloud platform meets all information security requirements for state information systems, "said Alyona Igorevna Maltseva, Deputy Director of Sales, RTCloud. - Access to the database is regulated by the bank, information is located on servers in reliable, certified data centers. At any time, the bank can upload the database to its computer. Financial institutions are also given the opportunity to connect to a backup data center.

The use of the RS-Connect cloud solution will allow banks to quickly implement and connect to the "connectors," as well as, most significantly, transfer IT costs to the category of operational, since the necessary infrastructure is provided as part of a comprehensive service, "said Anna Nazarova, Deputy Director of Banking Software Department RS-Bank, R-Style Softlab. - The bank pays only for the resources that it requires and uses, which makes it possible to flexibly regulate monthly expenses.

2016: Launch of RS-Connect solutions development

R-Style Softlab announced in June 2016 the launch of a new line of activity - the development of a class of solutions for electronic interaction of banks with departments connected to SMEV and state information systems.

According to company representatives, the product line - RS-Connect - will be made up of web modules for integration with:

• system of housing and communal services (GIS housing and communal services),
• Central Election Commission (CEC),
• Federal Bailiff Service (FSSP),
• Federal Tax Service (FTS),
• Unified Notary System of Russia (UIS),
• Pension Fund of Russia (PFR),
• Federal Customs Service,
• Unified federal register of information on bankruptcies, etc.

RS-Connect will also include a web module for interaction with the system of state municipal payments (GIS GMP), previously sold as part of the products RS-Bank V.6 and RS-Bank v. 5.5.