Credit Card Debit Card New RBI Rules 2020

RBI 2020 new  Credit card Debit Cars rules: What cardholders must knowTo avoid card frauds U should know the following-

• All debits and credit cards, including those which are reissued, can only be used for domestic transactions at ATMs and point of sale (PoS) terminals at the time of issuance / reissuance of the card. "At the time of issue/re-issue, all cards (physical and virtual) shall be enabled for use only at contact-based points of usage within India," RBI said.
• Banks can deactivate current cards and reissue them based on risk perception. RBI has asked all banks and other card-issuing companies to disable online payment services of all debit and credit cards that have never been used for online/contactless transactions. RBI told banks and card issuers: “Existing cards which have never been used for online (card not present) /international/contactless transactions shall be mandatorily disabled for this purpose.”
• All those Debit Card and Credit Card which are never used for online transactions after March 16,  a move aimed at enhancing security for digital transactions.
• If the cardholder wants to use the Debit/Credit card outside India, then they need to ask the bank to enable international transactions.
• Cardholders now can switch on and switch off their card or any particular facility like ATM transaction, online transactions available in the Debit or Credit Card.
• Customers can get the facility to set their transaction limits.              RBI's new rule for debit and credit cards will come into effect from March 16. However, it will not be applicable for prepaid gift cards and those cards used at the mass transit system

When IT Act, 2000 is applied, IPC cannot be applied by Police in the FIR

IT Act is a Special Act: case laws By Advocate (Dr.) Prashant Mali
Sharat Babu Digumarti Vs. Govt. of NCT of Delhi. 
MANU/SC/1592/2016. 
Gagan Harsh Sharma and Ors. Vs. The State of Maharashtra and Ors. MANU/MH/3012/2018.
Ajay Murlidhar Batheja Vs. The State Of Maharashtra and Ors. MANU/MH/  /2018.

Special Law:  A law that applies to a place or especially to a particular member or members of a class of persons or things in the same situation but not to the entire class and that is unconstitutional if the classification made is arbitrary or without a reasonable or legitimate justification or basis 1.

The Indian Parliament enacted in the Fifty-First Year of the Republic of India, an act called the Information Technology Act, 2000. This act is based on the resolution A/RES/51/162 adopted by the General Assembly of the United Nations on the 30^TH January 1997 regarding the model law on the electronic commerce earlier adopted by the United Nations Commission on International Trade Law (UNCITAL) in its twenty-ninth session.

The Act is here to protect and provide certain means of redressal even to the owner of a single computer, computer system or computer network located in India which has been violated by any person. The act is the first step to give necessary confidence and protection to the said owner.

The said Act is a special act as it is said section 81 of the act which reads as follows :

Act to have overriding effect.-“The provisions of this Act shall have effect notwithstanding anything inconsistent therewith contained in any other law for the time being in force. Provided that nothing contained in this act shall restrict any person from exercising any right conferred under the Copy Right Act, 1957 or the Patents Act , 1970(39 of 1970)”.

In the case of Sharat Babu Digumarti v Government (NCT of Delhi) [(2017) 2 SCC 18]  the accused were charged with offences under Section 67 of the IT Act

and Section 292 of the IPC. The question before the Supreme Court was whether the accused who was discharged under Section 67 of the IT Act could be prosecuted under Section 292 of IPC. Placing reliance on non-obstante provisions under Section 81 of the IT Act and Section 67A and 67B, it was held that charge under Section 292 could not survive. The decision was on the basis that Sections 67, 67A and 67B was a complete code regarding offence concerning publishing and transmitting obscene material in electronic form and non-obstante provision under Section 81 makes IT Act a special law that will prevail over the general law, IPC.

On 26 October 2018, a two-judge bench of the Bombay High Court vide its judgment in Gagan Harsh Sharma And Anr vs The State Of Maharashtra And Anr on 26 October, 2018 (Criminal Writ Petition No 4361 of 2018) held that when the offence is sufficiently covered under the provisions of the Information Technology Act, 2000 (IT Act), the IT Act will apply as lex specialis to the exclusion of the Indian penal code, 1860 (IPC). The Bombay High Court vide its judgment quashed and set aside the First Information Report (FIR) insofar as the investigation into the offences punishable under the IPC were concerned, on the basis that the ingredients of offences alleged under IPC were the same as compared to the ingredients of the offences alleged to have been committed under IT Act.

I Got this Bail in the sessions court. Police often apply IPC Section 379 in data theft cases along with Section 43 & 66 of the IT Act,2000 .

I argued along with above case laws for non-applicability of IPC S379 which was only added by police to make the offense Non-Bailable, special Act i.e IT Act,2000 when applied IPC sections do not apply. Court has accepted my argument on the merits of Law and granted the Bail

Bail Order of sessions court  - Download Link

In the case of Ajay Murlidhar Batheja vs The State Of Maharashtra And Anr on 26 October 2018 (CRIMINAL APPLICATION NO.1217 OF 2018) the Bombay high court held “We are therefore not inclined to quash the said FIR as far as the offences under the Information Technology Act are concerned, however, we hold that the invocation and application of the provisions of the Indian Penal Code and specifically, Section 420, is not sustainable in light of the judgment Sharat Babu Digumarti v/s. Government (NCT of Delhi) (Supra)”.

Thus we can see that the provisions of this Act will prevail notwithstanding anything inconsistent therewith contained in any other law for the time being in force.

Nevertheless, by virtue of new proviso the scope of the overriding effect shall not restrict any person from exercising any right conferred in Copy Rights Act,1957 or the Patents Act,1970. The idea behind the new proviso is to protect the rights of intellectual property rights holder under the Copyright At or the Patents Act.

Conclusion:

It is often found that police in cybercrime matters to make the offence nonbailable will add 379 or 420 or 408 of the Indian Penal Code. The above case laws clearly indicate that when sections of the IT Act,2000 are applied sections from the general law namely IPC should not be added.

By Advocate (Dr.) Prashant Mali [MSc (Computer. Sci.) LLB, LLM, Ph.D. in Cyber Law]

Mobile: +919821763157

Email: cyberlawconsulting@gmail.com

Twitter: @AdvPrashantMali

References :

1. “Special law.” The Merriam-Webster.com Legal Dictionary, Merriam-Webster Inc., https://www.merriam-webster.com/legal/special%20law. Accessed 14 January 2020.

Having Child Porn in your mobile ? Beware !

Child porn in Mobile: Beware ?

As a part of the police crackdown against those who had viewed, downloaded, stored or shared child sexual abuse content (child pornography) online.

Sumit Kumar Kalra  a 49-year-old man was arrested at Chennai Airport on Saturday night for downloading child sexual abuse material and sharing .

Arrested accused is a computer science graduate and owns a shop that sells gym equipment on Montieth Road, Egmore. On Saturday night, as he landed in Chennai from Delhi, the police of the Crime against Women and Children wing nabbed him. The police had received information about the crime from the Us based National Centre for Missing and Exploited Children, which has the technology to monitor child pornography material shared online.

India reported a maximum number of online child sexual abuse cases, followed by Thailand, which shows the data by US-based National Centre for Missing and Exploited Children (NCMEC).  India accounts for 3.88 million such cases filed between 1998 and 2017. This is despite the fact that India is estimated to have 451 million internet users .

Sumit had allegedly downloaded child sexual abuse material from the dark web on April 29, 2019 and had shared it with a friend over Facebook Messenger. Police also matched Sumit’s phone number and the IP address used to share the content. Sumit had used different browsers to remain anonymous. Though the accused had initially denied his crime, when the police confronted him with evidence, he confessed to his involvement, claims the police.

He has been booked under the section 13,14 of Protection of Children from Sexual Offences Act (POCSO) and section 67B of Information Technology Act,2000 and has been remanded to judicial custody.  

The Chennai police had, in December, announced that they had with them around 1500 IP addresses that had shared child sexual abuse content online and that they were monitoring at least three gangs that had created, stored and circulated child sexual abuse content. The Chennai police had also nominated Jayashree, the SP in-charge of Crime against Women and Children as the nodal officer for coordinating with the district police offices to act against child sexual abuse material. 

In December, the police arrested a 42-year-old man from Trichy for storing and sharing child sexual abuse material online. On January 4, a 23-year-old man from Assam was held in Pollachi for sharing child sexual abuse material on Facebook and a day later, the Coimbatore police also arrested a 25-year-old man, who worked as a bus driver in a private engineering college in the city, for viewing and sharing child sexual abuse videos online. 

Punishment for using a child for pornographic purposes

Offence	POCSO Act Punishment
Use of a Child for Pornographic purposes	Minimum: 5 years
Use of a child for the pornographic purposes resulting in penetrative sexual assault	Minimum: 10 years Maximum: life imprisonment
Use of a child for the pornographic purpose resulting in aggravated penetrative sexual assault	Minimum: 20 years Maximum: Life imprisonment or death
Use of a child for the pornographic purposes resulting in sexual assault	Minimum: 3 years Maximum: 5 years
Use of a child for the pornographic purposes resulting in aggravated sexual assault	Minimum: 5 years Maximum: 7 years

I hereby caution and appeal WhatsApp group admin and members not to share or download any child abuse videos . One mistake can ruin your and your family’s life. Beware !

Adv (Dr.) Prashant Mali

FIR and remedies against Police in India

Remedies against Police 

Powers of the police in India are laid down in the Chapter XI from Sec. 149 to 153 of Code of Criminal Procedure, 1973 (CRPC). Police officials are also given powers u/s 41, 42 and 151 of CrPC, 1973, to make arrest without a warrant taking into consideration the circumstances. Sometimes they either exceed there power or abuse the same causing injustice to citizens.

Usually, the FIR should be registered in the police station within where the crime took place. But there are situations where police refuse to file FIR. According to new amendment in the law, if police refuse to file FIR there will be two-year imprisonment as punishment. A police officer who comes to know about a cognizable offence can file an FIR himself/herself. It is possible to send a complaint in writing and by post to the Superintendent of Police. If the SP is satisfied with your complaint then he/she shall either investigate the case himself/herself or order an investigation to be made. And it is not always necessary to go in person to register the FIR. Email or phone call is also enough to register an FIR in case of emergency. There are certain sections in the Indian penal code that authorizes to register FIR by the police and also constitutes stringent punishments against refusal in registering FIR.

Section 166 in The Indian Penal Code states about Public servant disobeying law, with intent to cause injury to any person. Whoever, being a public servant, knowingly diso­beys any direction of the law as to the way in which he is to conduct himself as such public servant, intending to cause, or knowing it to be likely that he will, by such disobedience, cause injury to any person, shall be punished with simple imprisonment for a term which may extend to one year, or with fine, or with both.

Also by Section 166A Public Servant disobeying direction under Law, Whoever, being a public servant knowingly disobeys any direction of the law which prohibits him from requiring the attendance at any place of any person for the purpose of investigation into an offence or any other, or knowingly disobeys, to the prejudice of any person, any other direction of the law regulating the manner in which he shall conduct such investigation, or fails to record any information given to him under sub-section (1) of section 154 of the Code of Criminal Procedure, 1973, in relation to cognizable offence punishable under section 326A, section 326B, section 354, section 354B, section 370, section 370A, section 376, section 376A, section 376B, section 376C, section 376D, section 376E or section 509, shall be punished with rigorous imprisonment for a term which shall not be less than six months but which may extend to two years, and shall also be liable to fine.

Punishment for non treatment of victim is given in the Section 166B that mentions that Whoever, being in charge of a hospital, public or private, whether run by the Central Government, the State Government, local bodies or any other person, contravenes the provisions of section 357C of the Code of Criminal Procedure, 1973, shall be punished with imprisonment for a term which may extend to one year or with fine or with both.

Public servant framing an incorrect document with intent to cause injury is provided in the Section 167 Whoever, being a public servant, and being, as such public servant, charged with the preparation or translation of any document or electronic record, frames or translates that document or electronic record in a manner which he knows or believes to be incorrect, intending thereby to cause or knowing it to be likely that he may thereby cause injury to any person, shall be punished with imprisonment of either des c r i p tion for a term which may extend to three years, or with fine, or with both.

FIR against police under the IT Act under Section 72 – Breach of confidentiality and privacy Any person who, in pursuant of any of the powers conferred under this Act, rules or regulations made there under, has secured access to any electronic record, book, register, correspondence, information, document or other material without the consent of the person concerned discloses such electronic record, book, register, correspondence, information, document or other material to any other person shall be punished with imprisonment for a term which may extend to two years, or with fine which may extend to one lakh rupees, or with both.

Police Complaints Authority

In order to keep a check and to curtail the severe problem of police violence or abuse, the Supreme Court of India in Prakash Singh v/s Union of India, [2006 (8) SCC 1], inter alia, instructed the government at state and district level to set up Independent Police Complaints Authority. The main function of these Police Complaint Authorities is to look into the complaints against the police officers. But hardly any actions were taken on the part of State Governments till date due to disinterest on this particular issue. The State Governments must constitute a Police Complaint Authority which should be free from any influence and vested with such legal powers and fruitful resources as are necessary and serve as deterrent to the crooked police official’s misconduct.

Mira Road Call Centre Scam - Accussed Pleads Guilty in USA

Meera road call centre scam accused, Hitesh Patel has pleaded guilty for his role in operating and funding a network of India-based call centers through which local callers and US conspirators scammed US victims out of millions from 2013 to 2016, the Department of Justice reported this week.

Patel was extradited to the United States from Singapore in April 2019 to face charges for this crime. The indictment, unsealed in October 2016, charged Patel and 60 other individuals and entities with general conspiracy, wire fraud conspiracy, and money laundering conspiracy.

According to admissions made in his plea, Patel and co-conspirators developed a scheme in which employees of call centers in Ahmedabad, India, impersonated officials from the IRS and US Citizenship and Immigration Services (USCIS). They threatened to arrest, imprison, fine, or deport victims if they didn't pay alleged fees owed to the government. Victims who fell for the scam were told how to pay, usually via general-purpose reloadable cards or wiring money.

Patel admitted to operating and funding several of these call centers, including the HGLOBAL call center. He communicated with co-conspirators via email and WhatsApp to exchange credit card numbers, telephone scam scripts, deposit slips, payment data, call center operations information and instructions, and bank account details. Scripts included impersonation of the IRS, USCIS, Canada Revenue Agency, and Australian Tax Office officials, as well as payday loan fraud, US government grant fraud, and debt collection fraud.

This week, Patel pleaded guilty to wire fraud conspiracy and general conspiracy to commit identification fraud, access device fraud, money laundering, and impersonation of a federal officer or employee. At the time of his April 3 sentencing, Patel faces up to 20 years in prison for wire fraud conspiracy and five years for general conspiracy. Both counts bring the possibility of a fine up to $250,000, or twice the gross gain or loss from his offense.