Beeline about fraud in mobile commerce. Megafon mobile transfer service - how to connect, disconnect and use How to enable mobile commerce

In this article we will understand what mobile commerce is.

So, payments via mobile phone are a modern and profitable way of interacting with customers, allowing you to use funds in the subscriber’s personal account to pay for goods or services cellular communication.

How does the mobile payment service work?

  1. Mobile payments via SMS: payment is initiated by a cellular 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 the subscriber a request to confirm the mobile payment, after which the operation is completed;
  4. The mobile payment transaction is recorded and the data is transferred to you for further processing (if necessary).

Benefits of mobile commerce services

  1. Security of mobile payment service transactions: funds are debited only after confirmation by the subscriber, 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 subscribers of MTS, Beeline, Megafon, Tele2;
  3. Flexible tariff system: mobile payments can be accepted for arbitrary (needed by you) amounts from 10 rubles to 15,000 rubles (subject to their availability on the balance mobile phone).

Examples of using the mobile payment service

Payments via mobile phones are gaining momentum and today they are successfully operating in the following areas:

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

Important:

  1. Mobile commerce does not exclude the client from having alternative payment methods;
  2. Mobile payment is an increase in the convenience of the service for the subscriber;
  3. Mobile commerce services are available to subscribers of Megafon, MTS, Beeline, Tele2.

Today we will figure out what a service is Mobile transfer Megafon, 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. Cell phone balance is not just funds to pay for a cell phone. You can use the money in your phone account to help another subscriber, pay for a purchase on the Internet, or send it to a bank card. Mobile payment provides this opportunity.

Description of the service Mobile transfer Megafon

A Megafon subscriber, if desired, can send a certain amount of money from his balance to another cell number, even belonging to the network of another cellular operator. It is possible to send money to your 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 of corporate numbers with a dedicated personal budget.

The amount of funds available for payment does not include:

  • so called bonus rubles- received when exchanging 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 convenient” option and any others.

You can transfer money that you have deposited into your account, or received via mobile payment from another subscriber.

The transferred amount can be from 1 to 15,000 rubles. at once. After making the transfer, the sender must have at least 1 ruble left in his 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 activated on your number. In most cases, it is included in the basic services provided free of charge by default. A commission is charged for the actual payment of money, depending on the method and direction. The fee is added to the original amount rather than subtracted from it.

In general, you don’t need to connect anything - just use any suitable payment option. But what if it didn't work? Either you made some mistake, or for your cell phone this service has been blocked. 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 it back in the following ways:

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

All requests and messages to this number are free, like the service itself; the fee is charged only in the amount of the commission when making payments to another cell phone, bank card or other things that you top up 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 disable mobile transfer, check whether it works or not, in a communication salon or through a self-service service *105# , as well as on the website lk.megafon.ru in your personal account.

Also, to disable this, you can call from your cell phone to 0500 or from any phone to 8-800-550-0500 and resolve the issue by talking with the operator. By the way, in the same way, by calling one of these numbers, you can connect this option or figure out why it doesn’t work if you failed to make a plazhet.

You can also quickly disable Megafon Mobile Transfer using one of these simple methods:

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

Choose whichever one you like best, use it - disconnection, like all subsequent connections, are free, as are all SMS and USSD commands.

How to send a mobile transfer

You need to know which mobile operator the recipient's number belongs to. The amount of commission charged will depend on this. Payments are more expensive for other telecom operators.

USSD command

Type the command on the device keyboard *133*<сумма>*<номер того, кому отправляете деньги># , For example: *133*40*9261234567#, press call. In response to your request, you will receive an SMS from the number 117009434 with a request to confirm the sending of payment in the amount of 40 rubles. by entering the specified digital code, for example numbers 2 . The same message will indicate the final amount, taking into account the commission, which 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 Megafon subscribers and 8.5% for subscribers of other networks.

Pressing the “reply” button and sending the confirmation code means you agree to the terms. The debit from the account and the transfer of money to the recipient will occur within a few minutes. In cases where the network is overloaded or there is a technical glitch, the receipt of the mobile payment may occur later.

Using this method, 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 in your account, and go into minus or credit limit— You can only manage your own funds in the account.

By SMS

The easiest and most profitable way to transfer money from Megafon to any other number. This is done as follows: you need to type an SMS with the text #100 , where 100 is the amount and send to the recipient as regular message by indicating its number in the SMS address. Further actions are similar. 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: A person in need can send a request to receive a 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, using these methods you can make a mobile transfer from Megafon to Megafon, as well as to Beeline, MTS, Tele2 and Yota - 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’s worth topping up someone else’s account this way or finding more suitable options.

Second option: send an SMS message like <номер из 10 цифр> <сумма> on 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 after just 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.

Payment is made by sending an SMS to the service number 8900

  1. Transfer to Unistream. In the text you must indicate the code, amount, and name of the recipient separated by a space, as in your passport. Send message to 8900 , wait for the control SMS and confirm it. Example: Unim 1000 Petrov Ivan Vasilievich You can receive money at a Unistream distribution point. The commission is 7.35% and another 95 rubles. when sending amounts from 1 ruble to 4999. For a larger amount - 7.35% and an additional 259 rubles.
  2. To transfer the amount to the account bank card, an SMS with the following content is written: card 2222555566669999 1000 indicating your card code and amount, separated by spaces. The transfer arrives on the card within a few minutes to 5 days, depending on the bank. Please note that not all banks allow mobile payments. The commission is similar to Unistream payments.
  3. To top up your account another subscriber's cell number In the SMS text you need to dial the subscriber's number and amount, separating them with a space. Example: 9250236548 200 Send text to 8900 Using this transfer, you can top up 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 website, the subscriber receives a message asking you to confirm the fact of sending money by sending a digital code.

If you fail to make a payment

If during a mobile transfer the recipient's cell number was indicated incorrectly and the money went to the wrong account, you can try to return it. To do this, you need to print a receipt on the website money.megafon.ru/history/details/723415233801 and contact a cell phone store or technical support. there you need to log in to your system money transfers- 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 them cellular network. If there is an error in payment within the framework of mobile commerce, you need to contact the product and service company.

Mobile commerce is a set of commercial services operating through mobile devices, including phones, smartphones, tablets and laptops. Currently, its system includes about a dozen payment services, as well as special online banking services of all major banks in the world. Number of customers who use mobile commerce ( payment from a mobile account) is only growing every year.

Essentially, mobile commerce is e-commerce optimized for operation via mobile devices. In a broader sense, mobile commerce includes mobile payments (payment from a phone account), mobile banking, financial services and purchases through Mobile Internet and applications.

What does mobile commerce give?

The use of this technology makes it possible to effectively conduct business from anywhere in the world. It is thanks to these technologies that modern entrepreneurs can refuse to rent an expensive office and pay for the services of numerous staff in favor of purchasing higher quality materials or finished goods. Today it is also the only possible way for all small companies to the international market, which in the conditions of current competition cannot but be taken advantage of.

Development of mobile commerce

The development of mobile commerce is facilitated by a number of reasons - an increase in the level of personalization, opportunities for analyzing customer preferences, and ample opportunities for the consumer himself in terms of quickly searching and comparing goods/services.

First of all, a smartphone offers the purchase of a product or service in real time. Most online stores do not pay enough attention to mobile commerce. Conversion in an online store can increase significantly if you adapt solutions (website, application) to make mobile payments from any device.

Payment via mobile commerce

As we have already said, in mobile commerce, payments are made through mobile devices and most often such operations are associated with the purchase of any digital goods, games, software, e-books, food and various services.

Thanks to mobile payments, you can pay for purchases on websites anywhere: in transport, in a cafe or while walking. To do this, you just need to have a mobile phone with a prepaid account. The ability to pay from your phone account is provided by the largest Russian operators cellular communications.

How mobile commerce works

    Selecting a specific service (product) on a website or online store.

    Informing about the possibility of making payment by debiting funds from the balance of a mobile phone.

    An SMS message is received containing information about the purchase, the selling company and the purchase price.

    The client confirms the payment: the required amount is debited from his mobile phone account and credited to the seller’s account.

    After payment is received, a confirmation SMS message is sent to the client containing information about the successful completion of the payment.

View the payment process through any mobile operator possible on the page.

Settings

Acceptance of payments from mobile phones is activated by default at your request when concluding an agreement.

There is no need to sign or configure anything additional. Paymaster is configured using one of the following options.

    Simple - payment widget (use our editor to create and install a payment form on your website, 15-30 minutes).

    Payment module for CMS - Your website was created on one of the popular platforms, in which case you can use a ready-made payment module.

    The PayMaster protocol is suitable for everything and provides maximum functionality for using the payment acceptance interface.

Tariffs and features

Leave a request to connect mobile commerce, other methods will be available to you automatically.

Mobile commerce is the ability to make quick payments via SMS for services and goods, for web-content (web content), make a charitable payment, etc.

Mandatory information posted on the payment page for subscribers

Beeline subscribers

The service is available to subscribers of tariff plans of any payment system, except for the “Simple Logic”, “Correct” tariff line, as well as subscribers who have the “Unlimited Within Network” or “Crazy Days” services activated. Payment is possible only from a special advance account;
After debiting the purchase amount, at least 50 rubles must remain in your account; the service becomes available from the moment you spend 150 rubles. for communication services from the moment of connection to the Beeline network;
The minimum payment amount is 10 rubles;
Maximum one-time - 15,000 rubles;
The maximum amount of payments per day is 30,000 rubles. maximum 10 transactions;
The maximum amount of payments per month is RUB 30,000;
If you use a tariff with a postpaid payment system, then:
The service becomes available from the moment you spend 150 rubles. for communication services from the moment of connection to the Beeline network.

Megafon subscribers

Megafon logo:

Subscriber commission - 0%
The minimum amount of one Payment is 1 rub.;
The maximum amount of a one-time Payment is RUB 5,000;
Minimum balance amount Money on the Subscriber’s Personal account after making the Payment - 10 rubles;
The maximum amount of Payments per day is RUB 15,000;
The maximum payment amount per month is RUB 40,000.
The Operator has the right, at its discretion, to increase or decrease the maximum amount of a one-time Payment, but not more than 15,000 rubles, by notifying about this through the Operator’s website in the section “Services - Account management and balance control - Mobile payments”.
The Subscriber does not have the right to make a Payment using funds credited to the Personal Account in the form of discounts on the Operator’s communication services or received from the Operator’s Subscribers as part of the “Mobile Transfer” service, as well as from the advance payment made by the Subscriber when concluding an agreement for the provision of communication services with the Operator.
Payment limits for the MegaFon-Visa Online Card/MegaFon-Visa Plastic Card are indicated on the Operator's website.
The listed restrictions (features) of the provision of the Service are not circumstances of improper provision of the Service and are not grounds for refusal to pay for the Service and/or recalculation of the fee for the Service.
By accepting these Terms, the Subscriber agrees to the above restrictions (features) of the provision of the Service. If the Subscriber does not want to use the Service with the restrictions (features) specified in these Terms, the Subscriber has the right to disable the Service in the manner provided for in Section 3 of these Terms. Until the Service is disconnected, the Subscriber is obliged to pay for the Service in the amount and manner specified in Section 4 of these Terms.

For MTS subscribers

The cost of purchase confirmation (incoming SMS from number 7663) is 10 rubles including VAT and is charged in addition to the commission for a successful transaction, regardless of the payment amount.
Minimum one-time payment amount 1 rub.*
Maximum one-time payment amount RUB 14,999*
when paying for MTS services - 3,000 rubles,
Beeline, Yota and Megafon - 1,000 rubles.
Number of payments per day no more than 5 payments
The maximum amount of payments per day is 30,000 rubles.
The maximum amount of payments per month is 40,000 rubles.
Required account balance 10 rubles**
* unless otherwise specified by the service provider.
** the balance of the subscriber’s own funds deposited into his phone account.
Your contract with MTS must be issued to an individual (on tariff plans“Super Zero”, effective from 05/11/2011, “ Super MTS _2011", "Super MTS 2012" and "Super MTS" this service is not provided);
There is a limit on pending operations (you cannot make a new request if the previous one is not processed);
Your service number should not have the options “Prohibition of the return of part of the advance payment” and/or “Prohibition of transferring subscriber information to third parties”;
It is impossible to use credit and bonus funds, as well as funds accrued for promotions, discounts on communication services provided by MTS, a discount on the initial volume of services provided when concluding an agreement (purchase of a set), etc.

Tele2 subscribers

After debiting the purchase amount, there should be at least 20 rubles left in your account.
the service is available only to individuals, payments from corporate tariffs not allowed.
It is impossible to use credit and bonus funds, as well as funds accrued for promotions, discounts on communication services provided by Tele2, a discount on the initial volume of services provided when concluding an agreement (purchase of a set), etc.
Minimum payment amount:10
Minimum balance on the personal account after payment is 10 (20 for subscribers of St. Petersburg and the Leningrad region)
Maximum payment amount
1,000 - for services mobile communications and Yota
5,000 - for other services and categories
Maximum number of payments per day/month: 10/50
Maximum payment amount per day/month: 5,000/40,000

Evgenia Chistova, head of corporate social responsibility projects at VimpelCom OJSC, 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 stages of user testing and improvements. This is a natural process for the payments market as a whole. After analyzing this case, we took measures to reduce the likelihood of using a similar 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 password for payment. The password received 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 improved in such a way that the password received via SMS will be one-time.

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

Answer: If a subscriber believes that he has become a victim of fraudulent activity, he can contact law enforcement agencies in order to initiate a criminal case. Upon request from the Ministry of Internal Affairs, the operator will provide all necessary information regarding the method by which payments were made and to which numbers funds were withdrawn from the account of the defrauded subscriber. In addition, you must write a statement to the Operator describing the situation, contact details and a request to return the funds. After the necessary verification, the scammers' numbers will be blocked and the issue of a refund will be considered. Complaints and a description of the situation can be sent by email. box [email protected]

Question: How does Beeline fight mobile fraud?

A: Throughout 2010, we made significant efforts to turn the tide of mobile fraud. In particular, they introduced quite severe fines for content providers, comparable to the monthly revenue on a specific number, obliged CPA partners to conduct online monitoring of the services provided on their 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 was 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 fund transfers were improved and their anti-fraud characteristics were strengthened.
As a result, at the end of 2010 we recorded a decrease in the number of complaints about fraud on CPA numbers by 80%.
In general, the number of fraud complaints received by our call center decreased from 210 thousand in the first half of the year to 79 thousand in the second half of the year. In 2009, about 450 thousand requests were recorded.
Lately, we have mainly been recording complaints and information about the subscriber receiving a call/sending SMS from such and such a number. As a rule, fewer and fewer subscribers fall for the most common schemes, which are well covered in the press and on operator websites 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.