Megafon mobile transfer service - how to connect, disconnect and use. Megafon mobile transfer service - how to connect, disconnect and use Mandatory information posted on the payment page for subscribers

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 via the 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) involves making a payment using mobile phone using funds placed on the prepaid accounts of the 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 requires only a mobile device and the Internet

Mobile commerce today

The 29 largest mobile operators, which control half of the world market, have already united 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 buyer identification reliability and a high level of 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. With the help of the new payment platform, it will be possible to make not only banking transactions, but also pay for travel in the subway, bus, train, car parking, buy a cup of coffee or a can of beer in 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 the 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 transforming 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, the Russian operator Beeline implemented the possibility of withdrawing money from a mobile phone account.

To date, services based on the principle of mobile commerce are provided by four operators in Russia: Beeline (Mobile Payment), MTS, Megafon and Tele2. The maximum amount of payment in all cases is 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, the Big Three operators expect their mobile commerce turnover to double, to RUB 40 billion. 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 .

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 respond more quickly to the occurrence of incorrect services and fraudulent schemes. In addition, a free "Black and White List" service was launched, which allows creating individual selective access to short numbers, including a complete blocking of them. Besides. services related to mobile transfer of funds were improved - their anti-fraud characteristics were strengthened.
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.

In this article, we understand what mobile commerce is.

So, payments via a mobile phone are 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 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 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 cable TV operators;
  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 preclude 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 for Megafon, MTS, Beeline, Tele2 subscribers.

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 of all major banks in the world. Number of customers using mobile commerce ( mobile payment) is growing every year.

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

What does mobile commerce provide?

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 better materials or finished goods. Today it is also the only possible way for all small companies to enter the international market, which in the current competitive environment cannot be ignored.

Development of mobile commerce

The development of mobile commerce is facilitated by a number of reasons - this is an increase in the level of personification, the ability to analyze customer preferences, ample opportunities for the consumer himself in terms of quick search and comparison of 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 solutions (website, application) are adapted to make mobile payments from any device.

Mobile Commerce Payment

As we have already said, in mobile commerce, payment is 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, cafes or on a walk. To do this, you just need to have a mobile phone with a prepaid account. The possibility of paying from a phone account is provided by the largest Russian mobile operators.

How mobile commerce works

    The choice of a specific service (product) on the website or online store.

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

    An SMS message is received containing information about the purchase, the seller company and the cost of the purchase.

    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.

You can see the payment process through any mobile operator on the page.

Setting

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

You do not need to sign or configure anything additionally. Paymaster is configured according to one of the options.

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

    Payment module for CMS - Your site is 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 an opportunity to make a quick payment via SMS for services and goods, for web-content (web.content), make a charitable payment, etc.

Mandatory information placed on the payment page for subscribers

Beeline subscribers

The service is available for subscribers of tariff plans of any payment system, except for the “Simple Logic”, “Correct” tariff line, as well as subscribers who have “Unlimited within the 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 on 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 30,000 rubles;
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.

For Megafon subscribers

Megafon logo:

Commission per subscriber - 0%
The minimum amount of one Payment is 1 rub.;
The maximum amount of a one-time Payment is 5,000 rubles;
The minimum amount of the balance of funds on the Subscriber's personal account after making the Payment is 10 rubles;
The maximum amount of Payments per day is 15,000 rubles;
The maximum amount of Payments per month is 40,000 rubles.
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 this through the Operator's website in the section "Services - Account Management and Balance Control - Mobile Payments".
The Subscriber is not entitled to make a Payment at the expense of funds credited to the Personal Account in the form of discounts for the Operator’s communication services or received from the Operator’s Subscribers as part of the Mobile Transfer service, as well as at the expense of an advance payment made by the Subscriber when concluding an agreement on the provision of communication services with the Operator.
Payment limits for MegaFon-Visa Online Card/MegaFon-Visa Plastic Card are specified 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 refusing to pay for the Service and / or recalculating 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 prescribed by section 3 of these Terms. Until the Service is deactivated, the Subscriber is obliged to pay for the Service in the amount and in the manner specified in Section 4 of these Terms.

For MTS subscribers

The cost of purchase confirmation (incoming SMS from number 7663) is 10 rubles with VAT and is charged in addition to the commission for a successful transaction, regardless of the payment amount.
The minimum one-time payment amount is 1 rub.*
Maximum single 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.
Mandatory account balance RUB 10**
* unless otherwise specified by the service provider.
** the balance of the subscriber's own funds deposited by him to the phone account.
Your contract with MTS must be issued to an individual (on the 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 pending);
Your service number must not have the options "Prohibition of the return of part of the advance" and / or "Prohibition of the transfer of data to third parties of subscriber information";
It is impossible to use credit and bonus funds, as well as funds accrued for promotions, discounts for communication services provided by MTS, a discount on the initial volume of services provided upon concluding an agreement (purchasing a set), etc.

Tele2 subscribers

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

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