Automatic online loans are provided only by microfinance organizations. They have developed a scheme for issuing credit funds to citizens, in which a person does not participate at all, all operations are carried out by a special program that does not bother you with its questions. This service does not take much time and allows borrowers to quickly receive money at any time of the day, and MFOs save their resources.
| Name (MFO) | Amount (Rubles) | Term | Information | Decor |
|---|---|---|---|---|
| | 2,000 - 30,000 rub. | 7 - 30 days | Rate from 0.76% - 1.5% The robot checks automatically No calls High % approval With any K. history Age from 18 to 75 years Around the clock | |
| | up to 20,000 at 0% 2 000 - 100 000 | 16 - 168 days | Automatic solution in 2 minutes New clients - 0% High % approval No operator calls Correct CI Passport required | |
| | First up to 10,000 Next up to 80,000 | 5 - 126 days | Automatic solution in 1 minute 0% for the first loan Rate 0.8% - 1.5% per day Passport and phone Age from 18 years | |
| | First loan 0% 100 - 30,000 rub. | 7 - 21 days | 0% rate per day for new clients Automatic solution in seconds Instant transfer Age from 18 to 70 years Anytime Passport only | |
| | First up to 15,000 (For free) Second up to 30,000 | 5 - 30 days | Rate 0% (first loan) Automatic solution without calls Early repayment Extend the return period Age from 20 to 65 years All Russia | |
What loans can you get automatically on your card?
Not all microloans from microfinance organizations can be obtained automatically, that is, promptly and around the clock. It is better to submit an application to several organizations at once. If you want to apply with automatic approval, consider the following loan programs:
2. . Funds are issued to the client as quickly as possible. Any Qiwi wallet or identified Yandex wallet will do. Upon approval, the money immediately appears in the client’s wallet. You can only use your wallet.
3. Microloan to a bank account. The microloan is not an instant one; a bank transfer, if approved, is made within three days; some microfinance organizations promise to complete it within 24 hours. Full details of your current account opened in any bank are required.
4. . You can receive it within 5-10 minutes after applying, but you need to visit the transfer operator’s pick-up point during its opening hours (points are not open 24 hours a day). The operator can be Contact, Unistream and others.
In fact, this is the same type of microloan, only the methods of issuing it differ. The client chooses a convenient option for receiving funds after approval and indicates this in the application.
This method can only obtain short-term microloans and credits. Applications for long-term programs are only half considered, so processing will not be as fast; a meeting between the borrower and the MFO manager will also be required, with the help of which the remaining documents can be completed.
Features and conditions of loans issued by a robot, their parameters:
Online loans are issued automatically, it is profitable and convenient for the borrower, you don’t even need to go anywhere. Moreover, this is the only opportunity to borrow a small amount almost instantly; this has an advantage. Since a person does not participate in the procedure for reviewing and issuing funds, loans are provided to citizens at any time of the day and in any city, for example (Moscow or St. Petersburg), there are no breaks or weekends.
Important aspects:
1. How much money can you take? Typically, maximum limits are set at 20,000-30,000, but in fact, automatic programs are rarely approved for issuing more than 15,000 rubles without refusal. Especially if you are applying to an MFO for the first time.
2. Refund period. This is a short period not exceeding 21-30 days. The minimum period is 5 days, some microfinance organizations are ready to provide money for 1-2 days. You choose the exact period yourself, based on your capabilities.
3. Interest rate. Each MFO sets its own value, but by law the interest cannot exceed 2.2 points per day on the amount lent. The best option is a loan at 1-1.5%.
4. Remote registration. You can fill out urgent or other details without leaving your home. The program involves completely remote issuance; no office visit is required.
5. The applicant's credit history. Only when applying for a loan of this type can you count on approval even with a negative credit history.
6. Required documents. A passport or simply its correct data is required (you may not have the original document on hand). Some microfinance organizations ask to provide details of additional documents: SNILS, INN. There are microfinance organizations that ask you to attach copies of documents to the online application form.
7. Delay. Everything is the same as with bank loans. The next day after the delay, the MFO applies penalties, then turns to collectors and then to the court. Despite the fact that this is an automatic issuance of loans via the Internet, the client bears full responsibility.
8. Application of extension. If the borrower cannot return the money on the card by the appointed date, he can apply an extension - extend the repayment period. Not all microfinance organizations offer this necessary option.
How the loan service works:
On the website of the microfinance organization, the client selects the parameters of the microloan, then he is asked to fill out the required information in an online form. The citizen does this independently, carefully entering information about himself.
The questionnaire immediately goes to online scoring, and the following checks are performed:
– a request to the BKI (credit history), to the Federal Migration Service for the authenticity of the passport;
– analysis of personal data, comparing it with other information found, for example, on social networks;
– identification of possible data forgery and fraudulent activities;
– analysis of a citizen’s creditworthiness.
There are a lot of checks, but scoring spends no more than 10-15 minutes on them, sometimes it’s completed in a few minutes. If the program has issued an approving decision, the text of the loan offer appears on the screen. The applicant agrees with them, for which an SMS message with a password is sent to his phone. Next, the funds are transferred to the card or other details. The client usually does not receive any calls during the registration process.
Many bank clients have long appreciated the convenience of such a service as auto payment. The option allows you to automatically pay for various services without human intervention. But some users also periodically make transfers of their own funds. Therefore, Sberbank launched a new Autotransfer service, which allows you to set up automatic transfers from one card of a given institution to another. Let's look at how the service works, how to activate and deactivate it.
It is possible to set up an Automatic Transfer from card to card of Sberbank, not only between your own, but also to the account of another person who is a client of the institution. Many users find the service convenient and in demand. For example, you can activate the option from your child’s salary product to his youth card, or to his card to cover credit card debt or for savings, etc.
How to perform an Automatic Transfer to Sberbank Online
- A template with translation parameters is created.
- Once a month, on the eve of the day of sending, he receives an SMS indicating that the funds will be transferred.
- If desired, it is possible to cancel the procedure for a given month by sending the code that was received in this notification.
- If you ignore the SMS, the next day money will be transferred to the specified card and debited from another.
- The client receives a report on the result of the transfer.
- If the required amount of money is not available in the account, the transaction does not occur, and the user is notified about this by a separate SMS.
Automatic service settings
Thus, having configured the operation criteria once, the client does not have to do anything. Everything is done automatically with mandatory notification. Automation and transmission of timely information about transaction results are key tools for user control.
Automatic translation has many advantages for the user Instructions for creating a template
Today, activation of the service is possible in Internet banking. If you do not have access to it, you should request the identifier from the employee in person or through the Contact Center. Having it, go through a simple registration procedure with mandatory authorization via telephone. The condition for using the functions of the Personal Account is an active Mobile Bank, because all actions are confirmed through notifications and SMS.
You can connect via Sberbank Online Autotransfer using the sub-item. As we remember, here it is permissible to create templates for paying regular payments - for mobile communications, housing and communal services, loans, etc.. To set up automatic transfer of funds, you must select My Autopayments – Connect – Between your cards.
The service is activated in the online service using the “Autopayment” column. 
In the subsection Connecting automatic payment, stop at the Sberbank Client item 
For the convenience of further use of the option, you can specify any name Details for Sberbank Autotransfer
- Card number for withdrawal;
- Enrollment number;
- Sum;
- Date of the next transfer;
- Periodicity.
If there is a need to send monthly resources to another person, you must select Transfer to Sberbank client in the last paragraph. You must enter his card number or indicate only his phone number. As you know, identification is possible through telephone numbers. Next, fill out a similar type of payment template.
At the end, you should check the relevance of the selected criteria and click Save. Use the key from SMS to confirm your wish in the standard way.
Transfer from card to card
There is no fee for transferring funds to another card automatically. You will only need to pay by transfer to a card opened in another territorial division. Transfers to another person are necessarily subject to a commission. The maximum size is 1%.
Deactivation of the service
The instructions on how to disable the service are also quite simple. You need to go to the My Templates subsection in the Internet Bank and find the one you need by name. Click on it, a window will appear next to it where you need to click on the Disable column. In this case, an SMS will be sent with the key so that the user can confirm his wish. It must be remembered that complete deactivation occurs only by deleting the template itself.
To deactivate the service, use the Manage auto payments section by clicking on Disable Many people forget about this and simply send an SMS once a month with a refusal at the moment when the bank confirms the transfer parameters. The person believes that by refusing, he has completely closed the issue and is surprised when he receives a similar SMS in the next period, why the cancellation of Sberbank Auto Transfer is valid for only a month. It is clear that he only carried out the cancellation of a one-time payment, while the template was preserved and works according to the parameters included in it.
Conclusion
Automatic payment for cellular operator and Internet services has long been popular among Russians. Now they have a new opportunity to make it easier not only to pay for services in the same way, but also to periodically transfer funds. At the same time, the cardholder can carry out such transactions not only between his own card products, but also on the plastic cards of other persons.
Many automakers these days equip their vehicles with semi-automatic parking assist. But Ford went even further. The European division of the American company is developing a system that can park a car in a fully automatic mode without driver intervention.
Unlike the parking assistant, which is equipped with many cars, the automatic parking system being developed will be able to use not only parking, but also perpendicular parking, including parking from any angle.
Let us remind you that the parking assistance system, which is used in many modern cars, works only with the participation of the driver, who must hold the gas pedal, brake independently if necessary, or change gear. The new system will be able to automatically fully control all vehicle systems without driver intervention.
The new automatic parking system works as follows. The driver presses a special button in the car so that the system helps find the correct place for forging.
After pressing the button, the vehicle speed should not be more than 30 km/h, otherwise the system will not be able to find a convenient parking place. Once the car finds a sufficient parking space, the driver must press another button in the car or if the driver wants to park the car without being in the car. After this, the automatic parking system will park the car itself.
Ford has also almost completed the development of the latest obstacle avoidance system. The system will soon appear on new cars.
The obstacle avoidance system can detect various objects at a distance: cars, people, animals, etc. When approaching objects, the car will warn the driver about the danger and if the driver does not take the warning into account, the car will automatically avoid obstacles, avoiding an accident.
We invite you to watch a video of how the automatic parking system will work without driver participation on Ford cars.
In Siberia, the number of declarations issued without the participation of a customs inspector using automatic release technology is rapidly growing.
Over the 8 months of this year, their number increased 23 times and amounted to 8,760 declarations, while the same figure last year did not exceed 378.
The advantages of automatic release were appreciated by more than 160 participants in foreign economic activity in ten customs authorities in the region. The introduction of this technology allows not only to reduce the corruption component to zero, but also to significantly reduce the time it takes for a declaration to be controlled by the customs authority.
Today, the average time for auto-issuing a goods declaration is no more than 5 minutes, and the overall time for issuing risk-free goods has been reduced to 47 minutes for export and to 1 hour 13 minutes for import. For comparison, five years ago, export declarations were issued in 2 hours 36 minutes, and import declarations in 6 hours 24 minutes.
Automatic registration of declarations for goods can also significantly speed up customs clearance; the information system requires no more than 1 minute to complete. Thus, today almost every second declaration for goods is registered, that is, 49% of the total declaration array, and when exporting, the share of such declarations has reached 80%.
Remote release technology opens up great prospects for the development of foreign trade in the region, which allows you to submit a declaration for goods to any customs authority convenient for the foreign trade participant, regardless of the location of the goods. In 2018, in the Siberian region, 45% of goods declarations were issued using remote release technology (more than 108 thousand declarations).
“Digitalization of customs administration can significantly speed up customs operations, enables business representatives to optimize logistics, minimize time and material costs,” says Galina Varfolomeeva, head of the department of advanced customs technologies of the Siberian Customs Administration.
Today, there are 5 electronic declaration centers in the Siberian Federal District (in Novosibirsk, Omsk, Irkutsk, Tomsk, Ulan-Ude), in which the use of advanced information customs technologies is concentrated to the maximum.
Customs administration is gradually moving into the digital environment - electronic declaration, remote release of goods, automatic registration of declarations for goods and automatic release of goods, electronic transit is being developed, and a unified mechanism for administering customs, tax and other payments is being created.
Q Automatic or automated? Some video recording issues.
In my previous post, I already touched on the topic of automatic video recording of traffic violations and “chain letters”. Now I would like to deal with such a “fundamental” problem as the “attribution” of certain devices used by the Russian State Traffic Safety Inspectorate to “working in automatic mode special technical means that have the functions of photography, filming, video recording, or means of photography, filming, and video recording."
After all, it depends on whether the operating mode of the device automatic, directly depends on the possibility and legality of proceedings in a case of an administrative offense in a special manner - without drawing up a protocol and the participation of a person, with a significant exception to the principle of the presumption of innocence - imposing on the person the “obligation” to prove his innocence (the so-called “presumption of guilt” - photographed means guilty, see note to Article 1.5 of the Code of Administrative Offenses of the Russian Federation).
There is no definition of the concept “automatic mode” in the current legislation, so we are looking into dictionaries and specialized literature. Where we easily find that " auto" means functioning without human intervention in accordance with a predefined algorithm. It is the exclusion of the human factor that is the main feature of the use of tools operating in automatic mode. It is no coincidence that the Legal Department of the State Duma of the Russian Federation noted: “Taking into account the purpose of special technical means, which is assigned to them by the project and, above all, as a means of recording offenses, we consider it necessary to establish in the current legislation the requirements that they must meet in order to exclude the possibility unauthorized access to them, errors when recording a traffic accident, etc., thereby reducing the possibility of bringing innocent persons to administrative responsibility.”
It seems that everything is clear, but if you look at the specialized literature more carefully, you can immediately find another concept - “automated”. We read: “in contrast to the term “automatic”, “ automated"The operating mode emphasizes retention of some functions by the human operator, either of the most general, goal-oriented nature, or not amenable to automation." Do you feel the difference? It’s simple: automatic - without human participation, automated - with human participation.
Now, let’s actually look at some devices.
For example, the widespread "KRIS-P". We take the description from the manufacturer's website. Read the instructions. The device itself records the speed, recognizes license plates itself, saves information on a flash drive or can transfer it to a mobile post - a laptop. It seems to be automatic - there is an algorithm and it works... Read the instructions further... Who enters into it the data about the installation location and speed limit? Who puts it on the road? HUMAN. Coordinates do not come automatically from GLONASS or GPS satellites. They come “automated” from a mobile post - a laptop. If hooligans move the device beyond the border of a populated area, or beyond a zone with a current speed limit, it will also work automatically, but it will no longer work correctly. Let's assume right now that it would have a built-in GLONASS or GPS receiver and a database of current speed limits for specific road sections, and probably also an automatic system for monitoring the correct installation... In this case, everything would be 100 % automatic and would not raise any doubts: they installed it and it started working on its own. In its existing form, it is advisable to use the device in conjunction with a police officer and the usual procedure for bringing “those who like to drive” to justice - with stopping the vehicle and subsequent communication with the inspector (which, it seems to me, has a better impact than a black and white letter in the mailbox) . In conjunction with him, "CHRIS-P" is a necessary, reliable and completely objective friend.
With "KRIS-S" - a stationary device, everything is different, although it is set up in the same way as KRIS-P. Only taking into account the design, this device is completely automatic: you cannot move it and you can easily check how it is installed. It always hangs in one place. There is only one speed limit. . There is nothing to be said here.
Well, a few words about the “Parcon” device.
Let's read the principle of operation: In the process of preparing the video recorder for operation, a list of road sections with prohibited stopping and parking is created for subsequent automated processing recorded violations of parking rules. Not automatic. Both GLONASS and GPS are connected to it, it films itself, but they carry it around. By definition, he is already in conjunction with the traffic police inspector.
In general, it is necessary to fight against violations of speed limits and parking rules. We must fight against any violations of the law. And scientific and technological progress must be an assistant. However, it should be remembered that the operation of any device must first be based on the principles of legality, reliability and verifiability.
