How to disable mobile commerce blocking on Megafon? - online magazine about finance, banks and loans

Beeline subscribers

The service is available for subscribers of tariff plans of any payment system, except for the line of tariffs “Simple Logic”, “Correct”, as well as subscribers who have connected or “Crazy Days”. 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% Minimum amount of one Payment - 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 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 about this through the Operator’s website in the “Services - Account Management and Control” section balance - 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 within the framework, 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.

Instructions for “Mobile payment” on Beeline

In order to pay for various services from your phone, you must first top up your balance. You can use money using a bank card or ATMs (terminals).

A Beeline subscriber tops up a separate advance account. First of all, you should enter a telephone number in the form. The first digit "nine" is replaced by "six".

There are the following ways to transfer funds to your account:

in cash;
from a payment card using a mobile phone;
through an ATM;
from a Beeline payment card.

Transfers are made directly on the site. The user goes to the “Payment and Finance” tab and selects the “Pay for services” option. After this, all that remains is to indicate the required payment in the list.

What you can pay for from Beeline:

cellular;
Internet;
housing and communal services;
charitable payments;
fines;
loans received from banking organizations;
various tickets;
payments between subscribers' accounts.

When the user is processing a transfer, the system displays a command that must be remembered (or written down) and used in the future when making payments from the phone.

The amount of the commission fee is from 0 to 5%.

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. The minimum one-time payment amount is 1 rub.* The maximum one-time payment amount is 14,999 rubles.* 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 Maximum amount of payments per day 30,000 rubles. The maximum amount of payments per month is 40,000 rubles. The required account balance is 10 rubles** * unless otherwise instructed 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.

Features and conditions of Beeline money transfer

Transferring significant amounts from Beeline to Beeline is impractical, but the internal service justifies the fact that its cost is only 5 rubles. In addition, the service imposes some restrictions on new subscribers - if you have a new SIM card, and the cost of communication services on it does not exceed 150 rubles, then the ability to make payments will be temporarily limited. Otherwise, when replenishing the balance of pre-paid Beeline subscribers, there are the following features:

You can transfer up to 200 rubles at a time.
The maximum payment amount for 24 hours is 400 rubles.
During the day, the subscriber will be able to make no more than 5 transfers, and at the time of the last one there must be more than 50 rubles left in the account.
The interval between subsequent applications must exceed 2 minutes.
Further transfer of funds is possible only 24 hours after their receipt.
The total amount in the recipient's account after replenishment cannot exceed 10,000 rubles.

Note! Beeline's money transfer service is provided to all subscribers by default. If you have a contract and/or corporate tariff, then the ability to make payments using the operator will not be available.

If you have any questions or need clarification, you can contact the operator’s call center for help. In addition, the official website of the mobile operator has a special FAQ service, where all explanations are presented in an accessible form. Using them, the subscriber will be able to make the necessary transfer without any difficulties.

Restrictions:

For fast mobile transfers, there are established limits for subscribers both for sending and receiving money.

Information for the sender:

From the start of using the SIM card, you must spend at least 150 rubles on communication services;
The amount of one transfer ranges from 30 to 200 rubles;
The maximum total amount of transfers is no more than 400 rubles;
You can transfer no more than once every 2 minutes;
The balance after transfers should not be less than 50 rubles.

Information for the recipient:

You can receive a maximum of 5 transfers per day;
The maximum amount after transfers is no more than 10,000 rubles.
Once you have received the transfer, you can make the transfer yourself within 24 hours.

Commission for transfer to a Beeline subscriber's account:

— from 30 to 200 rubles — 15 rubles; — from 201 to 5000 rubles — 3% + 10 rubles. The commission for transferring to the account of a subscriber of another cellular operator is 7.95% + 10 rubles.

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 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

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 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

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 one was launched that allows you to create 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 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.

How to disable paid Beeline services?

You can disable all free and paid Beeline services in several ways; we’ll tell you about them all in order of decreasing popularity and ease of use:

1) Call Beeline at 0611 or use one of the other ways to contact Beeline support. The easiest and most effective way is to contact technical support, where they will not only tell you what paid services are connected, but will also turn them off at your first request.

But there is a small nuance here that spoils everything: it can be difficult to reach technical support and in order to disable Beeline’s paid services you have to use the voice menu, which is not very convenient or simple.

2) You can disable Beeline services through your Personal Account on the website my.beeline.ru, where you can also see the details of expenses and find out when, for what and how much money was written off. The method is very convenient, unfortunately, there is not always access to the Internet and still not everyone knows how to use it.

3) Through the service control center, you can also disable unnecessary ones and connect the ones you need. Dial *111# and press the “call” button - a message will be displayed on the screen with information about existing services and how to add and remove them.

4) All Beeline services can be disabled through the phone’s SIM menu and the “My Beeline” application.

5) If none of the above methods are suitable, you can disable Beeline services yourself using USSD commands .

Send a request to the short number: *110*09# “call”. After processing the request, you will receive an SMS message containing a list of connected services.

Commands for disabling Beeline paid services

Knowing what options you have connected, disabling them yourself will not be difficult - each service has short numbers and commands for control, you can get complete information about them on the official Beeline website, we will only provide information on how to disable the most common paid Beeline services .

You can disable the “Auto speed renewal” option by dialing *115*230# “call” or by calling 0674717780
You can disable it by calling the short number 06742222
To disable the “Stay informed +” service, dial *110*1062# “call”
To disable the “Chameleon” service, dial *110*20# then “call”
To disconnect from voicemail, dial *110*010# “call”
To turn off Internet notifications, dial *110*1470# then “call”
To disable AntiAON dial *110*070# “call”
To disable the “Hello” service (your own dial tone), dial 067409770 and press
“On-screen balance” can be disabled by dialing *110*900# and the “call” button
To disable the Beeline “Answering Machine” or “Answering Machine+” service, dial *110*010# “call”

We have provided numbers for disabling only the most common Beeline services; there are currently more than 90 of them. Information on how to disable a specific option can be found on its page in the service catalog.

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 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.

Application "Beeline Map"

Do you want to know how to transfer money from a plastic account to your phone balance through an application for your device? It can only be installed by card holders from the operator. The application is called Beeline Map, you can download it from the Play Market or AppStore.

Download the application for Android Download the application for iPhone

1. Install the service on your smartphone and log in.

2. Select the “Payment for services” button by opening the initial screen of the mobile application;

3. Click on mobile recharge;

4. Enter the subscriber number and amount, then click “Submit”.

This option is only relevant for those users who managed to acquire plastic from the operator. Please note that the phone account and the card balance are different things; money will be transferred from the card, but the smartphone account will remain untouched.

Benefits of mobile commerce services

Security of mobile payment service transactions: funds are debited only after confirmation by the subscriber, which eliminates fraud and subscriber errors;
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;
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).

Top up the account of a subscriber from another country

Do you intend to top up the account of a subscriber from the CIS? Then the above method will not work, but there is a way out. For residents of neighboring countries, a slightly different algorithm of actions applies. If you want to top up your phone account from a Beeline phone for a subscriber in other countries, use the following instructions:

1. In the recipient line, enter the combination 7878;

2. To make a mobile transfer from a Beeline account to a Beeline for subscribers of Kyrgyzstan, Uzbekistan and Tajikistan, enter in the text field:

— Uzbekistan: beeuz_90 (or 91) Subscriber number_Amount; — Tajikistan: beetj_91 Recipient's phone number_Amount; — Kyrgyzstan: beekg_77Subscriber's phone number_Amount.

The transfer occurs under the following conditions:

Data is entered separated by a space;
The country code is not specified;
There is no commission;
The minimum/maximum payment for Uzbekistan and Tajikistan is from 100 to 15 thousand rubles, for Kyrgyzstan – from 50 to 5000 rubles. Learn how to enable mobile transfer using a link.

Important:

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

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. The number of customers who use mobile commerce (payment from a mobile account) is only growing every year.

Essentially, mobile commerce is e-commerce optimized to work 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 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 largest Russian mobile operators provide the ability to pay from your phone account.

How mobile commerce works

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.

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.

How to find out why they withdraw money from Beeline

Errors in the billing system (which calculates our costs for telecommunications services) are extremely rare. Therefore, the probability of funds being written off as a result of an error is thousandths of a percent. Most write-offs occur as a result of simple forgetfulness. For example, a subscriber connected some option or service to his number, and then forgot about it - even if he does not use the additional functionality provided, the charges will not stop.

How can we find out about the availability of connected paid services and options? You can do this in the following ways:

Call 0611 (it’s best to call 8-800-700-0611 from another mobile or landline phone) - by contacting the help desk consultants, we can get a list of paid services on Beeline and even disable them;
Call the free service number 067409 - after the call, an SMS will be sent to our number, which will indicate all connected paid services;
Send the USSD command *110*09# - the result will be the same as when calling the number 067409;
Visit the “Personal Account” - here we can get maximum information about the connected options and services. Their list is available on the main page of the service.

Thus, we have at our disposal all the tools that allow us to find out what money is being withdrawn for on Beeline .

Before using the “Personal Account” you need to get a password - to do this, send the USSD command *110*09# from your phone. Once you receive a temporary password, you can go to your “Personal Account” and set a more complex permanent password there.

If you do not want to contact your “Personal Account” and call service numbers, you can take your passport with you and go to the nearest Beeline customer service office. An office consultant will analyze the status of your number and tell you about all charges and connected services/options. After this, you can ask the consultant to disable all paid services.

Money is debited not only for services and options, but also for mobile subscriptions. If your number receives any content daily, weekly, or with any other frequency, then the likelihood of subscriptions will be extremely high. To obtain information about connected subscriptions, you need to visit your “Personal Account” or call the help desk at 0611.