Mobile translation service Megafon - how to connect, disconnect and use. Mobile commerce

A Megafon subscriber, if desired, can send from his balance a certain amount money for another cell number, even network-owned another mobile 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 balance: individuals or users 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 that you have 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 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 was 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:

• By using USSD combinations *105*220*0# + “Call”;
• SMS message m 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. Connect or disconnect mobile transfer, you can 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 V 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:

• WITH using USSD combinations *105*220# + “Call”;
• SMS message with the text “ 2 " on 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 necessary measure precautions are needed to avoid accidental transfer of 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 the technical error, 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 into the credit limit - you can only manage your own funds in the account.

By SMS

The simplest and profitable way transferring 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 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 cellular operators, but if the commission within the network is small, only 1% of the amount, then for other operators - 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 above methods suitable only 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 via sending SMS on 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 rub to 4999. For a large amount- 7.35% and 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 accepting 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 wrong 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.

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 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 the subscriber believes that he has become a victim fraudulent activities, then he can contact law enforcement agencies in order to initiate criminal proceedings. 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 necessary verification, the scammers' numbers will be blocked and 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 of 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%.
Overall, 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.
IN Lately Basically, we record complaints and information about the fact that the subscriber is 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 safety websites.
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.

Since the new year, many operators cellular communications began to actively implement new payment service, which is a mixture of Premium SMS (short numbers) and payment using a plastic card. Mobile commerce(by analogy with e-commerce) is now available to subscribers big three(MTS, Beeline, Megafon) and Smarts. About how everything works and how to connect the payment system to your project.

The technology inherited work via SMS from short numbers, and from plastic cards- freedom to choose the payment amount and tools to track its status.

Principle of operation

1. A phone number is entered on the store’s website (at the stage of filling out a profile during registration or in the product order form)
2. Through the payment aggregator, the store sends a request with the amount and phone number
3. The subscriber (buyer in the store) will receive an SMS message with purchase data: The product and the amount to be paid are indicated.
4. If the subscriber agrees with the payment, then he responds to the SMS.
5. The store system receives a request from the aggregator to successfully complete the payment operation.

Advantages of this method of accepting payments

1. The ability to pay any amount (for example, 183.56 rubles), which could not be arranged using short numbers.
2. Significantly lower commission compared to short numbers (13-30% instead of 50-60%).
3. High availability of payment methods. Payment from mobile phone, which is always at hand - a familiar and easy action. As easy as replying to an SMS.
4. No fraud. If, when using short numbers, it seemed quite natural to have unsecured SMS messages, then when paying through mobile commerce, such a situation cannot arise in principle. Each transaction has its own id and status. If there are insufficient funds in the subscriber's account, the payment will not go through.
5. Low number of erroneous SMS. Since the technology works on the “Reply SMS” principle, it is very difficult to make a mistake when dialing. In any case, less than if a person sent an SMS to a short number by dialing keyword and long code.

Flaws

1. The service is available to subscribers of only 4 operators so far (the number of operators supporting this type of payment is gradually growing)

comparison table

Mobile commerce on the Internet is used by large online projects (for example, Groupon, Biglion, and other coupon startups). Now any online store or startup can connect this service using AvisoSMS; All you need to do is submit an application and integrate the API to generate invoices on your clients’ phones.

API Features

We, as supporters of full integration of services, have created a convenient API. Using it, the payment process eliminates going to our website, placing checkboxes, entering captchas, specifying emails, etc.

In the parameters of the request to create an account, you can specify from whom to take the commission: from the subscriber or from the store.

Payment can be made in two modes - “code+number” or “reply SMS”. This may be varied by the partner when transmitting the request. In the first case, the response will return a code and a short number to which it should be sent. For example “22022 to number 84971”

If you use “Reply SMS”, the subscriber will receive the message: “To confirm payment for Cinema Ticket #3122 at the price of 118.00, send a reply free SMS with the number 1 to number 8486, to refuse with the number 0.”

The session of each payment lasts 20 minutes, then automatically closes with the status “Not paid”.

Eat test mode, thanks to which you can change payment statuses in your personal account, working out and checking the actions of the system, while the connection application is being agreed upon with operators.

All functionality available

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, it became possible to sell digital content using a mobile phone when Finnish mobile operator Radionlinja was launched 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) imply making a payment using a mobile phone using Money placed on prepaid accounts 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)
• only required for payment mobile device and the 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, in Japan, USA and UK.

To use the NFC service, you need to install a special module in the subscriber's phone. Thanks to the built-in chip, it is possible wireless connection 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 ensures reliable customer identification and high level 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.

IN this moment Russian operator Beeline is actively developing services based on NFC technology. On at this stage the operator implements transport applications: payment of fares 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 Russian operator Beeline has 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. Maximum size payment in all cases - up to 15,000 rubles. Many micropayment aggregator companies provide the opportunity widespread use technologies 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. To date it payment system RuRu is a successfully developing company. 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

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