TY JOUR TI RESPONSIBILITY FOR STEALING MONEY FROM PERSONAL BANK ACCOUNTS IN THE PROCESS OF PENAL LEGISLATION FORMATION KW bank accounts KW plastic cards KW crime KW skimming equipment KW skimmer KW technical device KW stealing JO Volgograd Academy of the Ministry of the Interior of Russia AU , .. PY 2016 IS PB Volgograd Academy of the Ministry of Internal Affairs of Russia