What is mobile commerce. What is mobile commerce Areas of mobile commerce

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 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

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.

Today we will figure out what the Megafon Mobile Transfer service is, how to activate 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 one belonging to the network of another mobile operator. It is possible to send money to a bank card account, pay a fine, or pay for 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 an allocated 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 this service was blocked for your cell phone. Why could this happen? Possible reasons for blocking the service: 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:

• Using USSD combination *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 activate this option or figure out why it doesn’t work if you were unable to make a plazht.

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, is 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 into the 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 a regular message, indicating his 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 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 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 money transfer system - 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 their cellular network. If there is an error in payment within the framework of mobile commerce, you need to contact the product and service company.

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.

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.