What is mobile commerce Beeline. Mobile translation service Megafon - how to connect, disconnect and use. Mobile commerce areas

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 via the 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, this is also the only possible way for all small companies to enter the international market, which in the conditions of current competition cannot be ignored.

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 transactions 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 largest Russian mobile operators provide the ability to pay from your phone account.

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.

You can view the payment process through any mobile operator 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.

In this article we will 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 funds in the personal account of a cellular subscriber to pay for goods or services.

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 of the 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.

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;
The minimum amount of funds remaining on the Subscriber's Personal Account after making a Payment is 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 the “Super Zero” tariff plans, valid from May 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 are 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 mobile communication services 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

Description

The process is carried out using pocket 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 the Finnish mobile operator Radionlinja launched a commercial service for selling ringtones.

A year later, Smart launched its national mobile payment platform, Smart Money, in the Philippines. Almost simultaneously, NTT DoCoMo launched the first mobile Internet platform in Japan, called i-Mode.

Mobile commerce areas

Mobile payments (m-payments) involve making a payment using a mobile phone using funds deposited on prepaid accounts of a mobile operator. Mobile payments are made without the use of user bank accounts and are available to subscribers who do not have their own bank account.

Using mobile commerce

• Communal payments
• Air and train tickets

Advantages

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

Mobile commerce today

The 29 largest cellular operators, controlling half of the global market, have already teamed up to create a single format for using Near Field Communications (NFC) technology in cell phones. Mobile payment services based on NFC technology are especially popular in Japan, the USA and the UK.

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 information reader terminal installed at the seller. As a result of the connection, the amount is debited from the mobile phone owner’s virtual account. The subscriber can top up the account using a bank card, POS terminal and self-service touch machine. NFC technology provides reliable customer identification and a high level of payment security.

They are also 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 a cell phone. Since a SIM card, according to Russian laws, is issued to a specific person, it, according to telecom operators, is quite sufficient to identify who makes the payment. Using the new payment platform, it will be possible to do 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 in vending machines. It will be enough to touch your mobile phone to the turnstile or machine. To make payments using SMS and USSD technologies, you don’t even need additional devices.

Currently, 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 introduced SMS information services. The launch of this service was the first step that contributed to the transformation of 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 third-party services and goods from a mobile phone account.

In 2010, the Russian operator Beeline implemented the ability to withdraw money from a mobile phone account.

Today, services based on the principle of mobile commerce are provided by four Russian operators: Beeline (“Mobile Payment”), MTS, Megafon and Tele2. The maximum payment amount in all cases is up to 15,000 rubles. Many micropayment aggregator companies provide the opportunity to widely use technology for processing payments in online stores.

In 2012, the Big Three operators expect mobile commerce turnover to double, to 40 billion rubles. VimpelCom made a huge contribution to the development of mobile commerce. Today, its RuRu payment system is successfully developing. The monthly increase in 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 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.

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 the necessary information regarding how 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, a free “Black and White Lists” service was launched, which allows for individual selective access to short numbers, including complete blocking of 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.