A.I. Karpukhin1, E.A. Vaysberg2, N.A. Danilkina3

1 Financial University under the Government of the Russian Federation (Moscow, Russia)
2 Open Mobile Platform LLC (Moscow, Russia)
3 JSC «Rosselkhozbank» (Moscow, Russia)
1 aikarpukhin@fa.ru, 2 11lizik.lizik@gmail.com, 3 n-danilkina@list.ru