Mobile commerce is a collection of commercial services that work 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. The number of customers using mobile commerce ( payment from a mobile account) only grows every year.
Basically, mobile commerce is e-commerce optimized for working through mobile devices. In a broader sense, mobile commerce includes mobile payments (payment from a phone bill), 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 personnel 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 cannot but be taken advantage of in the current competition.
Development of mobile commerce
The development of mobile commerce is facilitated by a number of reasons - this is an increase in the level of personalization, 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, the smartphone offers the purchase of a product or service in real time. Most online stores don't 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.
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 on a walk. To do this, you just need to have a mobile phone with a prepaid account. The largest Russian mobile operators provide the opportunity to pay from the phone account.
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 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 receipt of payment, a confirmation SMS message is sent to the client containing information on the successful completion of the payment.
You can view the payment process through any mobile operator on the page.
Setting up
Acceptance of payments from mobiles is connected by default at your request when concluding an agreement.
You don't need to sign or configure anything else. Paymaster is configured according to one of the 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 site is created on one of the popular platforms, in this case you can use a ready-made payment module.
The PayMaster protocol is suitable for everything and provides the maximum functionality for using the payment acceptance interface.
Tariffs and opportunities
Leave a request to connect mobile commerce, the rest of the methods will be available to you automatically.
Evgenia Chistova, head of corporate social responsibility projects at VimpelCom, answers three questions about mobile fraud.
Q: 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 payments 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 a warning to the subscriber about the importance of not disclosing the password, the SMS will emphasize that this is a password for payment. The password received in the SMS will contain the word "PAYMENT", which should make the subscriber wonder whether it is worth entering it on unverified resources. And second, by the end of the month the system will be improved in such a way that the password received in SMS will be one-time.
Question: What should a subscriber faced with a mobile fraud do?
Answer: If the subscriber believes that he has become a victim of fraudulent activities, then he can contact the law enforcement agencies in order to initiate a criminal case. Upon a 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 to e-mail. box [email protected]
Question: How does Beeline fight against mobile fraud?
Answer: Throughout 2010, we made significant efforts to reverse the situation with mobile fraud. In particular, they introduced rather 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 the 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 service "Black and White Lists" was launched, which allows you to create individual selective access to short numbers, including full blocking to them. Besides. services related to mobile funds transfer have been improved - their anti-fraud characteristics have been 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 complaints about fraud 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 calls were recorded.
Recently, we mainly record complaints-informing that the subscriber is called / sent SMS from such a number. As a rule, the most common schemes, which are well covered in the press and on the operators' security sites, are getting less and less caught by subscribers.
We collect this data, after being checked by the security service and warning the subscriber from whose number such illegal actions are being carried out, the number is blocked.
Description
The process is carried out using pocket computers or smart phones via a remote ( the Internet , GPRS and so on) 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 mobile phone when the Finnish mobile operator Radionlinja launched a commercial service to sell ringtones.
A year later, Smart launched the national mobile payment platform Smart Money in the Philippines. Almost simultaneously with this NTT DoCoMo launched the first mobile Internet platform in Japan, dubbed i-Mode.
Directions of mobile commerce
Mobile payments (m-payments) means making a payment using a mobile phone using funds deposited in the prepaid accounts of a mobile operator. Mobile payments are made without using the user's bank accounts and are available to subscribers who do not have their own bank account.
Using mobile commerce
- Communal payments
- Air and railway tickets
Benefits
- convenience 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 cinema tickets)
- only a mobile device and internet are required for payment
Mobile commerce today
29 of the largest mobile operators, controlling half of the global market, have already teamed up to create a single format for using the technology Near Field Communications (NFC) in cell phones. Mobile payment services based on NFC technology are especially popular in Japan , USA and Great Britain.
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 by the seller. As a result of connection, the amount is debited from the virtual account of the owner of the mobile phone. The subscriber can replenish the account using bank card , POS terminal and a self-service sensor machine. NFC technology provides solid customer identification reliability and a high level of payment security.
They try to keep up with global trends in Russia. Ministry of Information and Communication approved the concept of creating a universal payment platform based on a cell phone. Because the SIM card according to Russian laws, it is issued to a specific person; in the opinion of communications specialists, it is quite enough to identify the person who makes the payment. With the help of the new payment platform, it will be possible to do not only bank operations , 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 put your mobile phone to the turnstile or machine. To make payments by technology SMS and USSD don't even need additional devices.
At the moment the Russian operator “ Beeline »Actively develops 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 »Services appeared SMS -information. The launch of this service was the first step in transforming the mobile phone not only into a communication tool, but also into a tool for controlling costs and payments 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 from a mobile phone account for services and goods of third parties.
In 2010, the Russian operator “ Beeline »The ability to withdraw money from a mobile phone account was implemented.
Today, services based on the principle of mobile commerce are provided by four Russian operators: Beeline ("Mobile Payment"), MTS, Megaphone and Tele2 ... The maximum amount of payment in all cases is up to 15,000 rubles. Many micropayment aggregator companies provide an opportunity for widespread use of technology for processing payments in online stores.
In 2012, the Big Three operators expect a 2-fold increase in mobile commerce turnover, 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 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.
Mobile commerce is an opportunity 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 for subscribers of tariff plans of any settlement system, except for the line of tariffs "Simple logic", "Correct", as well as subscribers who have activated the services "Unlimited within the network" or "Crazy days". Payment is possible only from a special advance account;
After debiting the purchase amount, at least 50 rubles should 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 RUB 30,000;
If you use a postpaid tariff plan 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
Megaphone logo:
Subscriber commission - 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 Personal account of the Subscriber after the Payment is made - 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 no more than 15,000 rubles, 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 on the Operator's communication services or received from the Operator's Subscribers within the Mobile Transfer service, as well as through the advance payment made by the Subscriber when concluding an agreement on the provision of communication services with the Operator.
The 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 the 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 with the above limitations (features) 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 disabled, 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 confirmation of purchase (incoming SMS from 7663) is 10 rubles including VAT and is charged in addition to the commission for a successful transaction, regardless of the amount of payment.
The minimum one-time payment amount is RUB 1 *
Maximum one-time payment amount RUB 14,999 *
when paying for MTS services - 3,000 rubles,
Beeline, Yota and Megafon - 1,000 rubles.
The number of payments per day is not 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 instructed by the service provider.
** the balance of the subscriber's own funds deposited by him on the phone account.
Your contract with MTS must be issued to an individual (this service is not provided on the "Super Zero" tariff plans effective from 11.05.2011, "Super MTS_2011", "Super MTS 2012" and "Super MTS");
There is a limitation on pending operations (you cannot make a new request if the previous one is unprocessed);
Your service number should not have the options "Prohibit the return of a part of the advance" and / or "Prohibit the transfer of data to third parties of information about the subscriber";
It is impossible to use credit and bonus funds, as well as funds accrued through promotions, discounts for communication services provided by MTS, a discount on the initial volume of services provided when concluding an agreement (buying a set), etc.
For Tele2 subscribers
After the purchase amount is debited, at least 20 rubles should remain on your account.
the service is available only to 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 when concluding a contract (buying 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 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
