Mobile financial news

I wanted to make a news selection on operators, but the focus shifted towards banking and mobile financial news. Probably, it was inevitable on the eve of the New Year's fever with the purchase of gifts and other Christmas expenses.

Sberbank: SMS as a weapon of mass destruction

In the last week of November of mobile operators, subscribers were unanimously happy with the mass SMS mailing of Sberbank. Not everyone got it, but many, and twice with an interval of about two days. In the metropolitan region, judging by the reviews, the vast majority of beneficiaries are MTS subscribers. It is quite possible that this SMS wave from Sberbank will cover MegaFon and Beeline subscribers a little later.

Officially, this event is called "sending personalized offers", and therefore, legally, it seems that it cannot be considered spam. Vedomosti wrote that a little more than 40% of all Sberbank clients should be included in the global mailing list, which will be divided into 20 categories. Each category will be offered special conditions for deposits and loans, and this advertising campaign will cost Sberbank, according to experts, in the amount of 70 to 520 million rubles. depending on the proportion of the selected distribution channels.

This "personalized offer" is made in two passes. First, a person receives an SMS offer to contribute. More precisely, he is informed about the increased interest on deposits in November. And they give the recipient two days to comprehend this important information. Then, two days later, they send an offer to take a loan “up to 1.5 million rubles” without guarantors at a special interest rate.

A certain concern arose because of the "personalized" mailing. In each SMS, Sberbank refers to a future client by name and patronymic, and these messages come to personal mobile phones. Including people who, in their opinion, did not enter into any relationship with a respected banking institution. And here you have a personal loan offer of 1.5 million rubles. without guarantors, but with an appeal by name and patronymic, and on a personal phone. It would seem, where does Sberbank get so much useful information about a potential client and his solvency? Is it from the operator? MTS official response:

“The MTS service does not imply the transfer of the subscriber base - mailings are carried out by MTS or the client company according to its base. Sberbank's own database is used to send out Sberbank offers. According to representatives of Sberbank, the customers who got into the mailing list were received from the bank's internal systems, all these customers have or had accounts in Sberbank".

We have no reason not to trust the official response of the press service, and, probably, the chest opens really simply. Firstly, Sberbank by no means offers everyone to become millionaires; there is a wonderful word “before” in SMS advertising. And a loan of five thousand rubles is also a loan “up to 1.5 million rubles,” agree. Secondly, not everyone will remember any short-term episode of relations with Sberbank. For example, a few years ago, in order to transfer a one-time fee, one publication demanded that I open an account at a certain branch of Sberbank, and, most likely, when filling out the contract, I indicated my mobile phone number. And manuscripts, as you know, do not burn, bank agreements - even more so. So do not indiscriminately assume large-scale "drains" of subscriber bases.

Using a first name should generate trust and all sorts of warm feelings of friendliness and personal attention. In principle, the idea was not bad and progressive, but.

... on the other hand, in the Russian conditions of the easiest accessibility of most personal data on the market and even with home delivery, such an address in the mailing list by name and patronymic will generate not confidence in the sender, but directly opposite emotions. Sberbank came up with an ambiguous action and slightly framed the operators with their “personal approach to the client”. As a countermeasure, to appease those who are very worried, Sberbank has created a special page on the website, where you can write and ask your question.

What about colleagues?

The beginning of December is a time of aggravation of the activity of all financial institutions. People spend money on gifts, trips, vacations, and these financial institutions are very concerned about the interest that you can receive from the money spent.

Citibank pleased with its version of a non-standard promotion, offering to send the last digits of the credit card number to the content provider's short number. "Special offer", so to speak, you will learn the details after sending an SMS. It's strange that they didn't offer to send the pin-code of the card, right?

If no jokes, then the idea was also initially not bad, I was not too lazy to go to the site for details. After receiving an SMS, the system compares the four digits of the card number with the phone number registered in it and sends all offers individually calculated for this client in several response SMS messages. At least that's how it should work, according to the description.

I would very much like to know about the effectiveness of this action, but the numbers are unlikely to be shared. I wonder how many Citibank customers would risk sending credit card numbers to an incomprehensible short number? RUB 2.71 for SMS - not money, but not everyone will climb to check the cost of sending a message to this number. And in general, an incredible number of content thieves (the vast majority of them), together with our unsqueamish operators, will soon bring the successfully started business to the end and people will generally stop sending SMS to short numbers. However, even a complete refusal to consciously send such SMS does not save everyone, more on that at the end of the text.

QIWI Wallet and MasterCard

Another financial and New Year's Eve promotion, this time from QIWI in collaboration with MasterCard. Some quotes from the published press release:

“MasterCard and QIWI announce a promotion from November 30 to December 31, 2011 for QIWI Wallet owners who use MasterCard®* cards linked to it for payments. For purchases or services** paid through QIWI Wallet from the account of the linked MasterCard card, no commission will be charged, and for purchases over 500 rubles. 5% of the payment amount will be credited to the balance of the QIWI Wallet user.

Linking a MasterCard card to QIWI Wallet is simple: you need to go to the w.qiwi.ru website, log in, select the “Register a card” function, select an issuing bank from the list provided and specify the card details: card type, first and last name of the owner, card number, expiration date, CVC2 code.

* MasterCard cards issued by Russian and CIS issuers participate.
**Does not apply to money transfers, payments for mobile communications and replenishment of QIWI Wallet.

Here you need to pay attention to the fact that payments for mobile communications, as well as simply replenishing your wallet, do not participate in the promotion. That is, transferring a certain amount from the card to the wallet and getting an additional 5% will not work. And the purchase price should be more than 500 rubles, this is also important.

New Year's chores of scammers

Returning to the issue of sending SMS to short numbers. Recently, our dear content creators have gone completely berserk, they are tired of just catching naive users on projects like “how to become a nobleman in the twenty-seventh generation” and “how to lose weight without overeating at night.” Pseudo-MMS is also fading from the scene, now the hit of the season is the alarms of Trojans for smartphones. Under the guise of updating Opera Mini, the user downloads a Trojan for himself, and it begins to quietly send SMS to expensive short numbers, instantly emptying the account.

These so-called "Alarms" are not new for a long time, but there are quite a lot of them. Moving through completely neutral sites turns into walking through a minefield: talented "craftsmen" briefly slip links to Trojan download pages on mobile versions of normal sites, then quickly hide in the bushes, and you will not find the ends. Apparently, the sharp aggravation of the activity of “alarmer” content creators is connected with the pre-New Year's need for money, they have no time to wait for profits from fraudulent subscriptions. And here, with each “pseudo-update” of Opera Mini, the thief in the shortest possible time receives several hundred rubles of net income.

Another sample taken from the forum to show you. Here they no longer offer to “update” the browser, but to download a certain “key”. The same Trojan, of course. The idea is exactly the same as in the infamous “MMS postcards”: they send a push message, to which incorrectly configured phones react by automatically following the link. In general, be vigilant, New Year thieves also want to please themselves with additional bonuses and gifts.

It is difficult to fight this dirty trick. SMS-mailings are made from numbers issued to someone else's uncle, such SIM-cards are sold at each exit from the metro. The rogue “partner” in the billing of the content provider often appears as an anonymous electronic wallet, you can’t grab him by the hand either. Operators don’t want to cut egg-laying golden hens, so they only frown menacingly and fine content creators for a part of their income. And they pass the fines on to thieves - "partners", who, in order to compensate for the losses, have to poke Trojan users at an accelerated pace. The path is a dead end, and the escalation of theft will inevitably lead to another episode of popular anger and scrutiny from the regulator. What can you do, our content providers fail to swindle the people decorously and nobly, hiding behind "contracts" and cunning wording. They try, but it doesn’t work, they still slide into outright and outright crime.

Mobile financial news

I wanted to make a news selection on operators, but the focus shifted towards banking and mobile financial news. Probably, it was inevitable on the eve of the New Year's fever with the purchase of gifts and other Christmas expenses.

Sberbank: SMS as a weapon of mass destruction

In the last week of November of mobile operators, subscribers were unanimously happy with the mass SMS mailing of Sberbank. Not everyone got it, but many, and twice with an interval of about two days. In the metropolitan region, judging by the reviews, the vast majority of beneficiaries are MTS subscribers. It is quite possible that this SMS wave from Sberbank will cover MegaFon and Beeline subscribers a little later.

Officially, this event is called "sending personalized offers", and therefore, legally, it seems that it cannot be considered spam. Vedomosti wrote that a little more than 40% of all Sberbank clients should be included in the global mailing list, which will be divided into 20 categories. Each category will be offered special conditions for deposits and loans, and this advertising campaign will cost Sberbank, according to experts, in the amount of 70 to 520 million rubles. depending on the proportion of the selected distribution channels.

This "personalized offer" is made in two passes. First, a person receives an SMS offer to contribute. More precisely, he is informed about the increased interest on deposits in November. And they give the recipient two days to comprehend this important information. Then, two days later, they send an offer to take a loan “up to 1.5 million rubles” without guarantors at a special interest rate.

A certain concern arose because of the "personalized" mailing. In each SMS, Sberbank refers to a future client by name and patronymic, and these messages come to personal mobile phones. Including people who, in their opinion, did not enter into any relationship with a respected banking institution. And here you have a personal loan offer of 1.5 million rubles. without guarantors, but with an appeal by name and patronymic, and on a personal phone. It would seem, where does Sberbank get so much useful information about a potential client and his solvency? Is it from the operator? MTS official response:

“The MTS service does not imply the transfer of the subscriber base - mailings are carried out by MTS or the client company according to its base. Sberbank's own database is used to send out Sberbank offers. According to representatives of Sberbank, the customers who got into the mailing list were received from the bank's internal systems, all these customers have or had accounts in Sberbank".

We have no reason not to trust the official response of the press service, and, probably, the chest opens really simply. Firstly, Sberbank by no means offers everyone to become millionaires; there is a wonderful word “before” in SMS advertising. And a loan of five thousand rubles is also a loan “up to 1.5 million rubles,” agree. Secondly, not everyone will remember any short-term episode of relations with Sberbank. For example, a few years ago, in order to transfer a one-time fee, one publication demanded that I open an account at a certain branch of Sberbank, and, most likely, when filling out the contract, I indicated my mobile phone number. And manuscripts, as you know, do not burn, bank agreements - even more so. So do not indiscriminately assume large-scale "drains" of subscriber bases.

Using a first name should generate trust and all sorts of warm feelings of friendliness and personal attention. In principle, the idea was not bad and progressive, but.

... on the other hand, in the Russian conditions of the easiest accessibility of most personal data on the market and even with home delivery, such an address in the mailing list by name and patronymic will generate not confidence in the sender, but directly opposite emotions. Sberbank came up with an ambiguous action and slightly framed the operators with their “personal approach to the client”. As a countermeasure, to appease those who are very worried, Sberbank has created a special page on the website, where you can write and ask your question.

What about colleagues?

The beginning of December is a time of aggravation of the activity of all financial institutions. People spend money on gifts, trips, vacations, and these financial institutions are very concerned about the interest that you can receive from the money spent.

Citibank pleased with its version of a non-standard promotion, offering to send the last digits of the credit card number to the content provider's short number. "Special offer", so to speak, you will learn the details after sending an SMS. It's strange that they didn't offer to send the pin-code of the card, right?

If no jokes, then the idea was also initially not bad, I was not too lazy to go to the site for details. After receiving an SMS, the system compares the four digits of the card number with the phone number registered in it and sends all offers individually calculated for this client in several response SMS messages. At least that's how it should work, according to the description.

I would very much like to know about the effectiveness of this action, but the numbers are unlikely to be shared. I wonder how many Citibank customers would risk sending credit card numbers to an incomprehensible short number? RUB 2.71 for SMS - not money, but not everyone will climb to check the cost of sending a message to this number. And in general, an incredible number of content thieves (the vast majority of them), together with our unsqueamish operators, will soon bring the successfully started business to the end and people will generally stop sending SMS to short numbers. However, even a complete refusal to consciously send such SMS does not save everyone, more on that at the end of the text.

QIWI Wallet and MasterCard

Another financial and New Year's Eve promotion, this time from QIWI in collaboration with MasterCard. Some quotes from the published press release:

“MasterCard and QIWI announce a promotion from November 30 to December 31, 2011 for QIWI Wallet owners who use MasterCard®* cards linked to it for payments. For purchases or services** paid through QIWI Wallet from the account of the linked MasterCard card, no commission will be charged, and for purchases over 500 rubles. 5% of the payment amount will be credited to the balance of the QIWI Wallet user.

Linking a MasterCard card to QIWI Wallet is simple: you need to go to the w.qiwi.ru website, log in, select the "Register card" function, select the issuing bank from the list provided and specify the card details: card type, first and last name of the owner, card number, expiration date, CVC2 code.

* MasterCard cards issued by Russian and CIS issuers participate.
**Does not apply to money transfers, payments for mobile communications and replenishment of QIWI Wallet.

Here you need to pay attention to the fact that payments for mobile communications, as well as simply replenishing your wallet, do not participate in the promotion. That is, transferring a certain amount from the card to the wallet and getting an additional 5% will not work. And the purchase price should be more than 500 rubles, this is also important.

New Year's chores of scammers

Returning to the issue of sending SMS to short numbers. Recently, our dear content creators have gone completely berserk, they are tired of just catching naive users on projects like “how to become a nobleman in the twenty-seventh generation” and “how to lose weight without overeating at night.” Pseudo-MMS is also fading from the scene, now the hit of the season is the alarms of Trojans for smartphones. Under the guise of updating Opera Mini, the user downloads a Trojan for himself, and it begins to quietly send SMS to expensive short numbers, instantly emptying the account.

These so-called "Alarms" are not new for a long time, but there are quite a lot of them. Moving through completely neutral sites turns into walking through a minefield: talented "craftsmen" briefly slip links to Trojan download pages on mobile versions of normal sites, then quickly hide in the bushes, and you will not find the ends. Apparently, the sharp aggravation of the activity of “alarmer” content creators is connected with the pre-New Year's need for money, they have no time to wait for profits from fraudulent subscriptions. And here, with each “pseudo-update” of Opera Mini, the thief in the shortest possible time receives several hundred rubles of net income.

Another sample taken from the forum to show you. Here they no longer offer to “update” the browser, but to download a certain “key”. The same Trojan, of course. The idea is exactly the same as in the infamous “MMS postcards”: they send a push message, to which incorrectly configured phones react by automatically following the link. In general, be vigilant, New Year thieves also want to please themselves with additional bonuses and gifts.

It is difficult to fight this dirty trick. SMS-mailings are made from numbers issued to someone else's uncle, such SIM-cards are sold at each exit from the metro. The rogue “partner” in the billing of the content provider often appears as an anonymous electronic wallet, you can’t grab him by the hand either. Operators don’t want to cut egg-laying golden hens, so they only frown menacingly and fine content creators for a part of their income. And they pass the fines on to thieves - "partners", who, in order to compensate for the losses, have to poke Trojan users at an accelerated pace. The path is a dead end, and the escalation of theft will inevitably lead to another episode of popular anger and scrutiny from the regulator. What can you do, our content providers fail to swindle the people decorously and nobly, hiding behind "contracts" and cunning wording. They try, but it doesn’t work, they still slide into outright and outright crime.

Mobile financial news

I wanted to make a news selection on operators, but the focus shifted towards banking and mobile financial news. Probably, it was inevitable on the eve of the New Year's fever with the purchase of gifts and other Christmas expenses.

Sberbank: SMS as a weapon of mass destruction

In the last week of November of mobile operators, subscribers were unanimously happy with the mass SMS mailing of Sberbank. Not everyone got it, but many, and twice with an interval of about two days. In the metropolitan region, judging by the reviews, the vast majority of beneficiaries are MTS subscribers. It is quite possible that this SMS wave from Sberbank will cover MegaFon and Beeline subscribers a little later.

Officially, this event is called "sending personalized offers", and therefore, legally, it seems that it cannot be considered spam. Vedomosti wrote that a little more than 40% of all Sberbank clients should be included in the global mailing list, which will be divided into 20 categories. Each category will be offered special conditions for deposits and loans, and this advertising campaign will cost Sberbank, according to experts, in the amount of 70 to 520 million rubles. depending on the proportion of the selected distribution channels.

This "personalized offer" is made in two passes. First, a person receives an SMS offer to contribute. More precisely, he is informed about the increased interest on deposits in November. And they give the recipient two days to comprehend this important information. Then, two days later, they send an offer to take a loan “up to 1.5 million rubles” without guarantors at a special interest rate.

A certain concern arose because of the "personalized" mailing. In each SMS, Sberbank refers to a future client by name and patronymic, and these messages come to personal mobile phones. Including people who, in their opinion, did not enter into any relationship with a respected banking institution. And here you have a personal loan offer of 1.5 million rubles. without guarantors, but with an appeal by name and patronymic, and on a personal phone. It would seem, where does Sberbank get so much useful information about a potential client and his solvency? Is it from the operator? MTS official response:

“The MTS service does not imply the transfer of the subscriber base - mailings are carried out by MTS or the client company according to its base. Sberbank's own database is used to send out Sberbank offers. According to representatives of Sberbank, the customers who got into the mailing list were received from the bank's internal systems, all these customers have or had accounts in Sberbank".

We have no reason not to trust the official response of the press service, and, probably, the chest opens really simply. Firstly, Sberbank by no means offers everyone to become millionaires; there is a wonderful word “before” in SMS advertising. And a loan of five thousand rubles is also a loan “up to 1.5 million rubles,” agree. Secondly, not everyone will remember any short-term episode of relations with Sberbank. For example, a few years ago, in order to transfer a one-time fee, one publication demanded that I open an account at a certain branch of Sberbank, and, most likely, when filling out the contract, I indicated my mobile phone number. And manuscripts, as you know, do not burn, bank agreements - even more so. So do not indiscriminately assume large-scale "drains" of subscriber bases.

Using a first name should generate trust and all sorts of warm feelings of friendliness and personal attention. In principle, the idea was not bad and progressive, but.

... on the other hand, in the Russian conditions of the easiest accessibility of most personal data on the market and even with home delivery, such an address in the mailing list by name and patronymic will not generate confidence in the sender, but directly opposite emotions. Sberbank came up with an ambiguous action and slightly framed the operators with their “personal approach to the client”. As a countermeasure, to appease those who are very worried, Sberbank has created a special page on the website, where you can write and ask your question.

What about colleagues?

The beginning of December is a time of increased activity of all financial institutions. People spend money on gifts, trips, vacations, and these financial institutions are very concerned about the interest that you can receive from the money spent.

Citibank pleased with its version of a non-standard promotion, offering to send the last digits of the credit card number to the content provider's short number. "Special offer", so to speak, you will learn the details after sending an SMS. It's strange that they didn't offer to send the pin-code of the card, right?

If no jokes, then the idea was also initially not bad, I was not too lazy to go to the site for details. After receiving an SMS, the system compares the four digits of the card number with the phone number registered in it and sends all offers individually calculated for this client in several response SMS messages. At least that's how it should work, according to the description.

I would very much like to know about the effectiveness of this action, but the numbers are unlikely to be shared. I wonder how many Citibank customers would risk sending credit card numbers to an incomprehensible short number? RUB 2.71 for SMS - not money, but not everyone will climb to check the cost of sending a message to this number. And in general, an incredible number of content thieves (the vast majority of them), together with our unsqueamish operators, will soon bring the successfully started business to the end and people will generally stop sending SMS to short numbers. However, even a complete refusal to consciously send such SMS does not save everyone, more on that at the end of the text.

QIWI Wallet and MasterCard

Another financial and New Year's Eve promotion, this time from QIWI in collaboration with MasterCard. Some quotes from the published press release:

“MasterCard and QIWI announce a promotion from November 30 to December 31, 2011 for QIWI Wallet owners who use MasterCard®* cards linked to it for payments. For purchases or services** paid through QIWI Wallet from the account of the linked MasterCard card, no commission will be charged, and for purchases over 500 rubles. 5% of the payment amount will be credited to the balance of the QIWI Wallet user.

Linking a MasterCard card to QIWI Wallet is simple: you need to go to the w.qiwi.ru website, log in, select the “Register a card” function, select an issuing bank from the list provided and specify the card details: card type, first and last name of the owner, card number, expiration date, CVC2 code.

* MasterCard cards issued by Russian and CIS issuers participate.
**Does not apply to money transfers, payments for mobile communications and replenishment of QIWI Wallet.

Here you need to pay attention to the fact that payments for mobile communications, as well as simply replenishing your wallet, do not participate in the promotion. That is, transferring a certain amount from the card to the wallet and getting an additional 5% will not work. And the purchase price should be more than 500 rubles, this is also important.

New Year's chores of scammers

Returning to the issue of sending SMS to short numbers. Recently, our dear content creators have gone completely berserk, they are tired of just catching naive users on projects like “how to become a nobleman in the twenty-seventh generation” and “how to lose weight without overeating at night.” Pseudo-MMS is also fading from the scene, now the hit of the season is the alarms of Trojans for smartphones. Under the guise of updating Opera Mini, the user downloads a Trojan for himself, and it begins to quietly send SMS to expensive short numbers, instantly emptying the account.

These so-called "Alarms" are not new for a long time, but there are quite a lot of them. Moving through completely neutral sites turns into walking through a minefield: talented "craftsmen" briefly slip links to Trojan download pages on mobile versions of normal sites, then quickly hide in the bushes, and you will not find the ends. Apparently, the sharp aggravation of the activity of “alarmer” content creators is connected with the pre-New Year's need for money, they have no time to wait for profits from fraudulent subscriptions. And here, with each “pseudo-update” of Opera Mini, the thief in the shortest possible time receives several hundred rubles of net income.

Another sample taken from the forum to show you. Here they no longer offer to “update” the browser, but to download a certain “key”. The same Trojan, of course. The idea is exactly the same as in the infamous “MMS postcards”: they send a push message, to which incorrectly configured phones react by automatically following the link. In general, be vigilant, New Year thieves also want to please themselves with additional bonuses and gifts.

It is difficult to fight this dirty trick. SMS-mailings are made from numbers issued to someone else's uncle, such SIM-cards are sold at each exit from the metro. The rogue “partner” in the billing of the content provider often appears as an anonymous electronic wallet, you can’t grab him by the hand either. Operators don’t want to cut egg-laying golden hens, so they only frown menacingly and fine content creators for a part of their income. And they pass the fines on to thieves - "partners", who, in order to compensate for the losses, have to poke Trojan users at an accelerated pace. The path is a dead end, and the escalation of theft will inevitably lead to another episode of popular anger and scrutiny from the regulator. What can you do, our content providers fail to swindle the people decorously and nobly, hiding behind "contracts" and cunning wording. They try, but it doesn’t work out, they still slide into outright and outright crime.

Mobile financial news

I wanted to make a news selection on operators, but the focus shifted towards banking and mobile financial news. Probably, it was inevitable on the eve of the New Year's fever with the purchase of gifts and other Christmas expenses.

Sberbank: SMS as a weapon of mass destruction

In the last week of November of mobile operators, subscribers were unanimously happy with the mass SMS mailing of Sberbank. Not everyone got it, but many, and twice with an interval of about two days. In the metropolitan region, judging by the reviews, the vast majority of beneficiaries are MTS subscribers. It is quite possible that this SMS wave from Sberbank will cover MegaFon and Beeline subscribers a little later.

Officially, this event is called "sending personalized offers", and therefore, legally, it seems that it cannot be considered spam. Vedomosti wrote that a little more than 40% of all Sberbank clients should be included in the global mailing list, which will be divided into 20 categories. Each category will be offered special conditions for deposits and loans, and this advertising campaign will cost Sberbank, according to experts, in the amount of 70 to 520 million rubles. depending on the proportion of the selected distribution channels.

This "personalized offer" is made in two passes. First, a person receives an SMS offer to contribute. More precisely, he is informed about the increased interest on deposits in November. And they give the recipient two days to comprehend this important information. Then, two days later, they send an offer to take a loan “up to 1.5 million rubles” without guarantors at a special interest rate.

A certain concern arose because of the "personalized" mailing. In each SMS, Sberbank refers to a future client by name and patronymic, and these messages come to personal mobile phones. Including people who, in their opinion, did not enter into any relationship with a respected banking institution. And here you have a personal loan offer of 1.5 million rubles. without guarantors, but with an appeal by name and patronymic, and on a personal phone. It would seem, where does Sberbank get so much useful information about a potential client and his solvency? Is it from the operator? MTS official response:

“The MTS service does not imply the transfer of the subscriber base - mailings are carried out by MTS or the client company according to its base. Sberbank's own database is used to send out Sberbank offers. According to representatives of Sberbank, the clients who got into the mailing list were received from the bank's internal systems, all these clients have or had accounts with Sberbank.

“The MTS service does not imply the transfer of the subscriber base - mailings are carried out by MTS or the client company using its own base. Sberbank's own database is used to send out Sberbank offers. According to representatives of Sberbank, the clients who got into the mailing list were received from the bank's internal systems, all these clients have or had accounts in Sberbank.

We have no reason not to trust the official response of the press service, and, probably, the chest opens really simply. Firstly, Sberbank by no means offers everyone to become millionaires; there is a wonderful word “before” in SMS advertising. And a loan of five thousand rubles is also a loan “up to 1.5 million rubles,” agree. Secondly, not everyone will remember any short-term episode of relations with Sberbank. For example, a few years ago, in order to transfer a one-time fee, one publication demanded that I open an account at a certain branch of Sberbank, and, most likely, when filling out the contract, I indicated my mobile phone number. And manuscripts, as you know, do not burn, bank agreements - even more so. So do not indiscriminately assume large-scale "drains" of subscriber bases.

Using a first name should generate trust and all sorts of warm feelings of friendliness and personal attention. In principle, the idea was not bad and progressive, but.

... on the other hand, in the Russian conditions of the easiest accessibility of most personal data on the market and even with home delivery, such an address in the mailing list by name and patronymic will not generate confidence in the sender, but directly opposite emotions. Sberbank came up with an ambiguous action and slightly framed the operators with their “personal approach to the client”. As a countermeasure, to appease those who are very worried, Sberbank has created a special page on the website, where you can write and ask your question.

What about colleagues?

The beginning of December is a time of increased activity of all financial institutions. People spend money on gifts, trips, vacations, and these financial institutions are very concerned about the interest that you can receive from the money spent.

Citibank pleased with its version of a non-standard promotion, offering to send the last digits of the credit card number to the content provider's short number. "Special offer", so to speak, you will learn the details after sending an SMS. It's strange that they didn't offer to send the pin-code of the card, right?

If no jokes, then the idea was also initially not bad, I was not too lazy to go to the site for details. After receiving an SMS, the system compares the four digits of the card number with the phone number registered in it and sends all offers individually calculated for this client in several response SMS messages. At least that's how it should work, according to the description.

I would very much like to know about the effectiveness of this action, but the numbers are unlikely to be shared. I wonder how many Citibank customers would risk sending credit card numbers to an incomprehensible short number? RUB 2.71 for SMS - not money, but not everyone will climb to check the cost of sending a message to this number. And in general, an incredible number of content thieves (the vast majority of them), together with our unsqueamish operators, will soon bring the successfully started business to the end and people will generally stop sending SMS to short numbers. However, even a complete refusal to consciously send such SMS does not save everyone, more on that at the end of the text.

QIWI Wallet and MasterCard

Another financial and New Year's Eve promotion, this time from QIWI in collaboration with MasterCard. Some quotes from the published press release:

“MasterCard and QIWI announce a promotion from November 30 to December 31, 2011 for QIWI Wallet owners who use MasterCard®* cards linked to it for payments. For purchases or services** paid through QIWI Wallet from the account of the linked MasterCard card, no commission will be charged, and for purchases over 500 rubles. 5% of the payment amount will be credited to the QIWI Wallet user's balance.

Linking a MasterCard card to QIWI Wallet is simple: you need to go to the w.qiwi.ru website, log in, select the “Register a card” function, select an issuing bank from the list provided and specify the card details: card type, first and last name of the owner, card number, expiration date, CVC2 code.

* MasterCard cards issued by Russian and CIS issuers participate. **Does not apply to money transfers, payments for mobile communications and replenishment of QIWI Wallet.

Here you need to pay attention to the fact that payments for mobile communications, as well as simply replenishing your wallet, do not participate in the promotion. That is, transferring a certain amount from the card to the wallet and getting an additional 5% will not work. And the purchase price should be more than 500 rubles, this is also important.

New Year's chores of scammers

Returning to the issue of sending SMS to short numbers. Recently, our dear content creators have gone completely berserk, they are tired of just catching naive users on projects like “how to become a nobleman in the twenty-seventh generation” and “how to lose weight without overeating at night.” Pseudo-MMS is also fading from the scene, now the hit of the season is the alarms of Trojans for smartphones. Under the guise of updating Opera Mini, the user downloads a Trojan for himself, and it begins to quietly send SMS to expensive short numbers, instantly emptying the account.

These so-called "Alarms" are not new for a long time, but there are quite a lot of them. Moving through completely neutral sites turns into walking through a minefield: talented "craftsmen" briefly slip links to Trojan download pages on mobile versions of normal sites, then quickly hide in the bushes, and you will not find the ends. Apparently, the sharp aggravation of the activity of “alarmer” content creators is connected with the pre-New Year's need for money, they have no time to wait for profits from fraudulent subscriptions. And here, with each “pseudo-update” of Opera Mini, the thief in the shortest possible time receives several hundred rubles of net income.

Another sample taken from the forum to show you. Here they no longer offer to “update” the browser, but to download a certain “key”. The same Trojan, of course. The idea is exactly the same as in the infamous “MMS postcards”: they send a push message, to which incorrectly configured phones react by automatically following the link. In general, be vigilant, New Year thieves also want to please themselves with additional bonuses and gifts.

It is difficult to fight this dirty trick. SMS-mailings are made from numbers issued to someone else's uncle, such SIM-cards are sold at each exit from the metro. The rogue “partner” in the billing of the content provider often appears as an anonymous electronic wallet, you can’t grab him by the hand either. Operators don’t want to cut egg-laying golden hens, so they only frown menacingly and fine content creators for a part of their income. And they pass the fines on to thieves - "partners", who, in order to compensate for the losses, have to poke Trojan users at an accelerated pace. The path is a dead end, and the escalation of theft will inevitably lead to another episode of popular anger and scrutiny from the regulator. What can you do, our content providers fail to swindle the people decorously and nobly, hiding behind "contracts" and cunning wording. They try, but it doesn’t work, they still slide into outright and outright crime.