How to disable the mobile commerce megaphone service. Mobile commerce

Description

The process is carried out using handheld computers or smart phones via a remote (Internet, GPRS, etc.) connection. Mobile commerce, as a rule, is a software and hardware solution for automating the processes of interaction with remote users.

In 1998, the sale of digital content using a mobile phone became possible when a commercial service selling ringtones was launched by the Finnish cellular operator Radionlinja.

A year later, Smart Money, a national mobile payment platform, was launched in the Philippines. Almost simultaneously, NTT DoCoMo launched the first mobile internet platform in Japan, dubbed i-Mode.

Directions of mobile commerce

Mobile payments (m-payments) involve making a payment using a mobile phone using Money placed on prepaid accounts mobile operator. Mobile payments are carried out without using the user's bank accounts and are available to subscribers who do not have their own bank account.

Use of mobile commerce

• Communal payments
• Air and railway tickets

Advantages

• ease of payment
• saving time (payment is made in just a few steps)
• payment security
• a huge choice for paying for services (from utility bills to buying movie tickets)
• payment is only required mobile device and internet

Mobile commerce today

29 largest operators cellular communication, which control half of the world market, have already come together to create a single format for the use of Near Field Communications (NFC) technology in cell phones. Mobile payment services based on NFC technology are especially popular in Japan, the United States and the United Kingdom.

To use the NFC service, you need to install a special module in the subscriber's phone. Thanks to the built-in chip, a wireless connection is made between the phone and the terminal-reader of information installed by the seller. As a result of the connection, the amount is debited from the virtual account of the owner of the mobile phone. The subscriber can replenish the account using a bank card, POS-terminal and touch self-service machine. NFC technology provides solid security for customer identification and high level payment security.

Trying to keep up with global trends in Russia. The Ministry of Information and Communications approved the concept of creating a universal payment platform based on cell phone. Since a SIM card is issued to a specific person according to Russian laws, it, according to telecom operators, is quite enough to identify the person who makes the payment. Using the new payment platform, it will be possible to make not only banking transactions, but also pay for travel on the subway, bus, train, car parking, buy a cup of coffee or a can of beer at vending machines. It will be enough to attach a mobile phone to the turnstile or machine. To make payments using SMS and USSD technologies, additional devices are not even needed.

AT this moment The Russian operator Beeline is actively developing services based on NFC technology. At this stage, the operator implements transport applications: payment for travel in urban surface and underground transport. These services are in test mode.

Mobile commerce in Russia

In 2003, the Russian operator "Beeline" appeared SMS-informing services. The launch of this service was the first step in turning the mobile phone not only into a means of communication, but also into a tool for controlling costs and paying for third-party services.

In 2005, it became possible to top up a mobile phone account from another subscriber's mobile phone account.

In 2007, it became possible to pay for services and goods of third parties from a mobile phone account.

In 2010 year Russian operator" Beeline"The possibility of withdrawing money from a mobile phone account was implemented.

To date, services on the principle mobile commerce provide four operators in Russia: Beeline (" Mobile payment”), MTS, Megafon and Tele2. Maximum size payment in all cases - up to 15,000 rubles. Many micropayment aggregator companies provide the opportunity for widespread use of technology for processing payments in online stores.

In 2012, operators big three»expect an increase in the turnover of mobile commerce by 2 times, up to 40 billion rubles. VimpelCom made a huge contribution to the development of mobile commerce. To date, his payment system RuRu is successfully developing. Monthly growth of payments and unique users of mobile commerce is 10%. In less than a year, 5 million payments for mobile services were made through the system.

Notes

Links

Wikimedia Foundation. 2010 .

In this article, we understand what mobile commerce is.

So, payments through mobile phone- a modern and profitable way of interacting with customers, allowing you to use the funds on the personal account of a cellular subscriber to pay for goods or services.

How the mobile payment service works

1. Mobile payments via SMS: the payment is initiated by a mobile subscriber by sending an SMS message to a short number;
2. Mobile payments via the Internet: payment is initiated through the order payment form on your website;
3. The telecom operator sends a request to the subscriber to confirm the mobile payment, after which the operation is performed;
4. The mobile payment transaction is fixed, the data is transferred to you for further processing (if necessary).

Advantages of the mobile commerce service

1. Mobile payment service transaction security: funds are debited only after subscriber confirmation, which eliminates fraud and subscriber errors;
2. Convenience, simplicity and accessibility: the subscriber pays for services without leaving home. Funds are debited from the subscriber's account instantly. Mobile payments are available for MTS, Beeline, Megafon, Tele2 subscribers;
3. Flexible billing system: mobile payments can be accepted for arbitrary (necessary for you) amounts from 10 rubles to 15,000 rubles (subject to their availability on the balance of the mobile phone).

Examples of using the mobile payment service

Mobile phone payments are gaining momentum and today they are successfully working in the following areas:

1. Internet shops;
2. Discount / coupon services;
3. Internet providers and operators cable television;
4. Charitable foundations and organizations;
5. Online Games;
6. Communal payments;
7. Payment systems;
8. fines;
9. Social networks.

Important:

1. Mobile commerce does not exclude the presence of a client alternative ways accepting payments;
2. Mobile payment is an increase in the convenience of the service for the subscriber;
3. Mobile commerce services are available for Megafon, MTS, Beeline, Tele2 subscribers.

Today we will figure out what the Megafon Mobile Transfer service is, how to connect it on your phone and disable it, if necessary, and also how to use and send money to another phone from your account. A cell phone balance is not just money to pay for a cell phone. With the money on the phone account, you can help another subscriber, pay for a purchase on the Internet, send it to a bank card. Provides such an opportunity mobile payment.

Description of the service Mobile transfer Megafon

A Megafon subscriber, if desired, can send a certain amount of money from the balance to another cell number, even belonging to the network of another cellular operator. It is possible to send money to the account bank card, payment of a fine, goods. All this is possible with the activated Mobile Transfer service.

The service is available to all subscribers who have personal funds on their balance: individuals or users corporate numbers with a dedicated personal budget.

The amount of funds available for payment does not include:

• the so-called bonus rubles - received in exchange for points;
• starting balance of the number upon connection;
• various financial discounts and compensations reflected on the balance sheet;
• Credit limit for the "Pay when it is convenient" option and any other.

You can transfer money deposited to the account by yourself, or received by mobile payment from another subscriber.

The transferred amount can be from 1 to 15,000 rubles. at once. After the transfer is made, the sender must have at least 1 ruble in the account. The maximum per day that can be sent from one number is 40,000 rubles.

How to connect

In order for all this to work, "Mobile transfer" must be connected to your number. In most cases, it is included among the basic services provided free of charge by default. For the actual payment of money, a commission is taken, depending on the method and direction. The fee is added to the original amount, not subtracted from it.

In general, you do not need to connect anything - just use any suitable payment option. But what if it didn't work? Either you made some mistake, or this service was blocked for your cell phone. Why could this happen? Possible reasons service blocking: fraudulent activities, suspicion of financing terrorist activities, inconsistency of passport data.

If the service was disabled earlier, you can connect back in the following ways:

• FROM using USSD combinations *105*220*0# + "Call";
• SMS message with the text " 1 " on the 3311 .

All requests and messages to this number are free, like the service itself, the fee is charged only in the amount of a commission when making payments to another cell, bank card or other things that you replenish from your Megafon account.

How to disable

The service can be blocked at the request of the subscriber or for security reasons. You can connect or disconnect a mobile transfer, check whether it works or not, you can in a communication salon or through a self-service service *105# and also on the website lk.megafon.ru in your personal account.

You can also call from your cell phone to 0500 or from any phone 8-800-550-0500 and resolve the issue by talking to the operator. By the way, in the same way, by calling one of these numbers, you can enable this option or figure out why it does not work if you failed to complete the payment.

You can also quickly disable Megafon's "Mobile Transfer" in one of these simple ways:

• Using USSD combination *105*220# + "Call";
• SMS message with the text " 2 » to a short number 3311 .

Choose any one you like best, use it - disconnection, like all subsequent connections, is free, like all SMS and USSD commands.

How to send a mobile transfer

You need to know which mobile operator the recipient's number belongs to. This will depend on the amount of commission charged. Payment to other telecom operators is more expensive.

USSD command

Type the command on the keyboard of the device *133*<сумма>*<номер того, кому отправляете деньги># , for example: *133*40*9261234567#, press call. In response to the application, an SMS will be received from the number 117009434 with a request to confirm the sending of a payment in the amount of 40 rubles. by entering a specified numeric code, such as a number 2 . In the same message, the final amount will be indicated, taking into account the commission that will be debited from the balance. This is a necessary precaution to avoid accidentally transferring money. The commission for this type of mobile transfer is 6% for a Megafon subscriber and 8.5% for subscribers of other networks.

Pressing the "answer" key and sending a confirmation code means acceptance of the terms. Debiting from the account and depositing money to the recipient will occur within a few minutes. In cases where the network is congested or there is a technical failure, the receipt of the mobile payment may occur later.

In this way, you can send up to 15,000 rubles at a time and no more than 40,000 rubles per day and per month, and you cannot transfer more money than you have on your account, and go into minus or into credit limit- you can only manage own funds On account.

By SMS

The easiest and most profitable way to transfer money from Megafon to any other number. It is performed as follows: you need to dial an SMS with the text #100 , where 100 is the amount and send to the recipient as a regular message, indicating his number in the SMS address. The next steps are the same. Only the size of the commission differs - a transfer to a Megafon subscriber will cost 1%, to another operator 5%, but not less than 10 rubles.

Features of SMS payment: the person in need can send a request for payment by writing a message with the text: #100? The subscriber will receive a message from the number 117009434 with an offer to make a payment in his favor by entering a confirmation code.

That is, in these ways you can make a mobile transfer from Megafon to Megafon, as well as to Beeline, MTS, Tele2 and Iota - that is, any of our mobile operators, but if the commission within the network is small, only 1% of the amount, then for other operators it is already 5%. So think about whether it is worth replenishing someone else's account in this way or find more suitable options.

Second option: send an SMS message like <номер из 10 цифр> <сумма> on the 8900 . Example: "9209580632 100" - sending 100 rubles to 8-920-958-0632. The crediting period may take several minutes, so do not rush to check in three seconds whether the money has arrived or not.

Money transfer to a bank card

If the methods described above are only suitable for transferring money from the balance of one number to the balance of another, using a cash payment you can send money to bank card, to the Unistream service center. This type of mobile transfer is the most expensive of all.

The payment is made by sending an SMS to the service number 8900

1. Transfer to Unistream. In the text, it is necessary to indicate the code, amount, name of the recipient, separated by a space, as in the passport. Message send to 8900 , wait for the control SMS and confirm it. Example: Unim 1000 Petrov Ivan Vasilievich You can get money at the point of issue of Unistream. The commission is 7.35% and another 95 rubles. when sending an amount from 1 rub to 4999. For a larger amount - 7.35% and an additional 259 rub.
2. To transfer money to an account bank card, an SMS is written with the following content: card 2222555566669999 1000 with your card code and amount separated by spaces. The transfer arrives on the card within a period of several minutes to 5 days, depending on the bank. Keep in mind that not all banks allow mobile payments. The commission is similar to Unistream payments.
3. To top up your account cell number of another subscriber in SMS text you need to dial the subscriber's number and the amount, separating them with a space. Example: 9250236548 200 Send text to 8900 With the help of this transfer, you can replenish the account of subscribers of Russian cellular networks and CIS countries. An 8.5% commission is charged.

Mobile commerce

Using a transfer from your phone account, you can pay for the purchase of games, goods and services. The principle remains the same: by entering your phone number in the payment form on the site, the subscriber receives a message offering to confirm the fact of sending money by sending a digital code.

If payment fails

If the wrong mobile number of the recipient was indicated during the mobile transfer and the money went to the wrong account, you can try to return it. To do this, you need to print a check on the site. money.megafon.ru/history/details/723415233801 and contact the cell phone salon or technical support. there you need to log into your money transfer system - for this you will need a password, which can be obtained by entering your phone number in the appropriate field on the website following the link.

If the erroneous number belongs to another operator, for example, Tele2, you only need to contact their cellular network. In case of an error in payment within the framework of mobile commerce, you need to contact the commodity-service enterprise.

Evgenia Chistova, Head of Corporate Social Responsibility at VimpelCom, answers three questions about mobile fraud.

Question: What steps have been taken to increase the security of the mobile commerce service?

Answer: I would like to note that the entire history of Internet payments went through the stages of user testing and improvements. This is a natural process for the payment market as a whole. After analyzing this case, we took measures to reduce the likelihood of using such a scheme in the future. Firstly, in addition to the fact that we are already sending the subscriber a warning about the importance of not disclosing the password, the SMS will emphasize that this is a payment password. The password coming in SMS will contain the word "PAYMENT", which should make the subscriber think about whether it is worth entering it on unverified resources. And secondly, by the end of the month the system will be finalized in such a way that the password sent via SMS will be one-time.

Question: What should a subscriber do when faced with a mobile fraud?

Answer: If the subscriber believes that he has become a victim of fraudulent activities, then he can apply to law enforcement agencies in order to initiate a criminal case. Upon request from the Ministry of Internal Affairs, the operator will provide all the necessary information regarding how payments were made and to which numbers the funds were withdrawn from the account of the defrauded subscriber. In addition, it is necessary to write a statement to the Operator with a description of the situation, contact details and a request to return the funds. After the necessary verification, the fraudsters' numbers will be blocked and the issue of a refund will be considered. Claims and a description of the situation can be sent by e-mail. box [email protected]

Question: How does Beeline fight mobile fraud?

A: Throughout 2010, we have made significant efforts to turn the tide on mobile fraud. In particular, they introduced fairly severe penalties for content providers, comparable to the monthly revenue on a specific number, obliged CPA partners to conduct online monitoring of services provided on numbers, introduced the ability to block prefixes on short numbers, which made it possible to more quickly respond to the occurrence of incorrect services and fraudulent schemes. In addition, it launched free service"Black and white lists", which allows you to create individual selective access to short numbers, including complete blocking to them. Besides. services related to mobile transfer funds - their anti-fraud characteristics are enhanced.
As a result, at the end of 2010, we recorded an 80% decrease in the number of complaints about fraud on CPA numbers.
Overall, the number of fraud complaints received by our call center decreased from 210,000 in the first half to 79,000 in the second half. In 2009, about 450 thousand requests were recorded.
Recently, we have mainly recorded complaints-informing that the subscriber is being called / sent SMS from such and such a number. As a rule, less and less subscribers come across the most common schemes, which are well covered in the press and on the websites of operators dedicated to security.
We collect this data, after checking by the security service and warning the subscriber from whose number such illegal actions are being carried out, the number is blocked.