7878 subscription what kind of number. A working scheme for withdrawing money from Sberbank credit cards through Beeline. Fraud. "7878" Beeline money transfer

By the way, this also affected me, further from the author:
I ran into an awkward situation this week. My wife had money taken from her credit card. Figured out how it's done. I am writing to warn about holes in Sberbank and Beeline. Random these holes to steal money from customers or not, you decide.

So, the scam scheme that still works:

1. Fraudsters collect ads with Beeline numbers on Avito (why exactly with Beeline will be written later). Then they massively send SMS to the victims with the text, where they address by the name taken on Avito and the words “I offer an exchange with a surcharge. Here is a photo: netint.ru/ru3”. Among users of smart smartphones, there are a lot of not smart users at all, so a lot of people will click on the link without blinking. Still, he posted an announcement on Avito, and someone knows his name, he offers an exchange. After that, the screen goes blank and a virus program is installed on the phone, which gains access to covert SMS distribution and hides SMS from certain numbers, in particular from Sberbank and Beeline. The presence of the program "Mobile Bank" on the phone is not required. That's it, the victim's phone is charged. Now comes the stage of settings in the personal account of Sberbank.

2. Mobile Banking is a plug-in service of Sberbank that allows customers to make settings in their personal account. For example, such as: connecting auto payment to a mobile phone, transferring money, paying by phone, etc. Attention, for this, scammers do not need a "mobile bank" installed on the phone. You do not need to know your login, password, or temporary codes. None of this is needed! The Green Bank has already taken care of that. Moreover, the client may not even connect this service and may not even know about its existence! It is connected to a credit card by default. He can even write an application to disable the "mobile bank" service from the card. Sberbank, having disabled the service from a debit card, will leave the “mobile bank” service connected to a credit card (not a debit one, for example, a salary card, but a personal credit card, with a set limit on a certain amount that it can borrow and spend). It remains to send SMS from the infected phone to number 900 of Sberbank with the text "AUTO 1000". After that, in the account for a credit card (namely for a credit card, not a debit one), Auto payment to a cell number will be installed, with the setting to top up the phone balance by 1000 rubles, when the balance drops below 600 rubles. That's it, the bank is charged. In turn, the bank will then respond to the client, we received an SMS command from you, we executed it. Moreover, scammers may have a green fortune, and auto-payment will deduct money from the card in excess of the established limit, for several days in a row. Well, you can get by with a limit of 3000 rubles (proof http://data.sberbank.ru/bashkortostan/ru/p...ank/?base=beta). and withdraw money until the loshok dies. Security guards will not see anything suspicious with credit card transactions. Even if the deducted amount pulls on the criminal article 158.

3. The third stage is the easiest. SMS is sent from the Beeline phone to the short numbers free8464, 7878, 3116, and so on. In detail, they are referred to as “Payment for mobile commerce services”. This is a paradise for scammers. Can be up to 15,000 rubles per day. conduct. Then they will also tell the client: “Well, you are a losha-a-ara, scammers took your money away from you! A few years ago, you activated the service “ban on sending SMS to short numbers”, well, you are a loshara, this service has not been working for a long time.”

4. The application to the Ministry of Internal Affairs is accepted, but, according to the words, the case is closed after 30 days. Profit! Although no. I doubt that it will work for those who want to repeat this scheme by dissecting the virus apk file, changing the settings in order to gain access to the virus themselves, for one simple reason. It is unlikely that the professional security service of Sberbank will not notice suspicious movements on the card and will not react in any way, and the system settings will be so favorable to them that they will allow them to exceed the established daily limits for auto payments. Also, the Beeline security service will immediately cut through new figures in their clearing.

Why is this scheme applicable specifically to the Sberbank-Beeline connection: “The ability to connect auto payment for invoicing by a telecom operator implies the existence of appropriate conditions in the contract between the client and the telecom operator. At present, connection of auto payment under the postpaid scheme is available only to Beeline subscribers. proof: http://sberbank.ru/common/img/uploaded/fil...df/mob_ruk2.pdf In the same place: “After some time, a message from the telecom operator will be sent to the connected subscriber number. In case of successful processing of the application from the Bank to connect the service, the operator will receive an SMS message that the service has been successfully connected (Beeline, Tele2 and NSS); or a notification that the service will be connected after the waiting period for refusal (MTS, Megafon, BaikalWestcom) ”This Sberbank-Beeline bundle even holds a promotion“ Bonus for auto payment ”(proof http://www.sberbank.ru/common/img/uploaded. ..zh_Beeline.pdf). Well, not cynicism?

More details. The virus hides incoming SMS from Beeline and Sberbank. But interestingly, Beeline does not reflect incoming SMS from Sberbank about card transactions in detail. Although the Bank makes such SMS without fail when debiting from a credit (not debit) card. In the details of Beeline, incoming SMS with a virus is not reflected.

This scheme has been successfully operating since at least the autumn of last year. According to information from acquaintances working in the bank, the money was not returned to anyone.

Well, I warned you. Now protect your wallets and phones as best you can.

Now the details of my case.

My wife is on maternity leave, she has no money on the card, for this reason she does not check the balance. I went to Sberbank-online to pay for a mobile phone and saw that it was from a credit card with a limit of 40 thousand rubles. a significant amount has disappeared. The money was withdrawn for 4 days. Stopped when an antivirus was installed on the phone. An application has been submitted to the ROVD. Sberbank too. A response came from Sberbank, in which he reports that on the first day 2946 rubles were debited to a cell phone account and auto payment was connected. And that in a period of four days, a total of 10,000 rubles were debited by auto payment. In fact, 7946 rubles were written off on the first day. on the second day 4000 rubles. (with the official limit on transactions of 3,000 rubles. Thus, in the first two days there were debits from the card that exceeded the daily limits. In total, 16,946.00 rubles were debited in 4 days (which has a card statement signed by Sberbank), and not 12946 rubles as written in the response of Sberbank. That is, in its official response, with the assigned number, signature and blue seal, Sberbank is already deceiving with numbers. On hand there is an application that was drawn up in the fall at the Sberbank office to disable the Mobile Bank service , where the phone number linked to the contract and the number of the debit salary card are indicated.But as I wrote above, the “default mobile bank” is forcibly linked to a credit card.

On Wednesday, February 24, I'm going to apply to the Prosecutor's Office, because where you sit at the bank, you get off there. Need advice and assistance in drafting an application to the Prosecutor's Office. How can I return funds from Sberbank and Beeline. What actions can be taken. Maybe someone also suffered from scammers. It's not so much about the money, but the principle. How much you can bypass the traps set up, everywhere they try to bite off and snatch a piece. I want to break the system, at least a little bit.

None of us wants to pay twice, and even more so, no one wants to pay for anything, and especially for a quietly imposed “for nothing”. Using his mobile phone, a person quite reasonably expects that the money spent on paying for communication services will go only to what he has done himself:

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to his calls
his sms,
his internet traffic.

If it so happened that money began to be debited from the account regularly, daily and in equal amounts, and the owner of the phone, it would seem, did nothing specifically for this, most likely a paid mobile subscription was issued to his number - what is it, read below

Its essence is that the cellular user somehow agreed to receive regular information on a paid basis, for example, you received an SMS from the above number with the text: “send SMS ....”. At the same time, information such as: what kind of service, what kind of subscription, what kind of site, the cost of a subscription, how to remove a subscription or how to disable it is often not directly shown.

Someone, a partner of your operator, in professional slang called a content provider, provides you with content for a fee:

provides information,
provides a service by providing access to an online game, website, program, etc.

The operator turns out to be on the sidelines, as he publicly warns on his website that yes, there is paid content, that it is provided by third-party organizations, to which the operator himself has nothing to do.

He does not, except for the fact that he writes off the money from the subscriber's account and he also provides the short number to the content provider.

In most cases, the cellular operator (megaphone, mts, beeline, tele2) leases the short four-digit number 7878, receiving a fee for this, and as a rule, a percentage of the amounts paid by the owner of the phone in favor of the provider.

SMS to short number 7878

A little apart from paid subscriptions is another way to take money from the population - SMS from short numbers. The nature of the relationship in the triangle user-operator-service provider remains the same, only the amount is debited from the subscriber one-time in response to the action proposed in such an SMS, for example, participation in such events as: quiz, survey, social research, game, etc. . P.

Who gets your money

So, it is clear that the user is the loser. Where, then, does the river of profit flow? Custom money? - outlined above. And this, of course, is a simplification that there are only two beneficiaries; in practice, the schemes are many times more complicated.

They include so-called aggregators - wholesale purchasers of short numbers and holders of mutual settlement schemes with telecom operators. the already mentioned content providers are grouped around the aggregators, owning sites on which the sale of services is organized and partners who collect and provide the entire scheme with traffic. Setting up this whole cycle of withdrawing subscriber money is being adjusted so that telecom operators, as the last link to the user and payer, remain not guilty from the point of view of the law in most cases when claims are made.

legislation

Is there any basis for such claims, strictly speaking? After all, the user at some point voluntarily performed some action that provided him with the place of the victim in the chain (relative to the short number 7878). It is this position that telecom operators adhere to when a subscriber, indignant at the loss of money, begins to look for the truth.

The answer is yes, there is

And this is called the federal law of July 23, 2013 N 229-FZ "On Amendments to the Federal Law" On Communications ".

In it, Article 2 of the Basic Law is supplemented by subparagraph 34.1, which defines what “content services” are.

The legislator made this definition as general as possible, practically fitting everything that is not actually a connection under it. Those. if the user, using the phone and through the channels of the telecom operator, receives a quote,

… reference, entertainment and (or) other additionally paid information…”, gets the opportunity to “… participate in voting, games, contests and similar events…,

Then he, the user, receives the content service. And it, in turn, being provided with the participation of third parties, falls under the addition of paragraph 5 of Article 44 of the Federal Law "On Communications", which prescribes a consumer protection mechanism by:

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firstly, the possibility of creating, at his request, a separate account for paying only for content services;
secondly, the requirement to obtain explicit consent to receive such services;
in the third - about exhaustive, including prices and names of suppliers, informing about these services before obtaining consent.

Another addition established by 229-FZ, in paragraph 5 of Article 54 of the Basic Law, states that services provided in violation of any of the above are not subject to payment. And finally, article 68 of the main communications law is supplemented by paragraph 8, which directly indicates the operator's responsibility for the implementation of article 44 (see above).

Let us summarize the legislative information by projecting the rights and obligations prescribed in it onto the practical side of life.

If a user consciously wants to become a consumer of content services, then you can secure your account for paying for communications by declaring your intention to open a separate content account to cover the costs of mobile subscriptions and SMS from short numbers. When it is exhausted, the funds intended for regular conversations and SMS will not be affected.

For Beeline and TELE2 operators, such an action is automated, and is carried out by sending a USSD request, *110*5062# and *160#, respectively. For replenishment, familiarization with the balance, sets of commands are also provided.

Megafon and MTS require a full-time appearance at the office and presentation of a passport, and it must be understood that regardless of the method of expression of will, the very fact of opening an account confirms voluntary consent to receive content services, and strictly speaking, it makes it unnecessary to inform about the details (in including price) of the same mobile subscription.

How to return money from number 7878

If, nevertheless, it happened that an inexplicable loss of money from a mobile account was discovered, you need to try to remember if any annoying SMS message came from number 7878, for example, with a proposal to find out the most accurate weather forecast or compare watches with the London observatory?

Was the answer "yes" sent to him?

Or, maybe, in the heat of Internet surfing, a phone number was entered to receive a registration code on some little-known, but enticing resource?

Services for checking the availability of paid services on the number 7878

In order not to speculate, you need to use the service (and each operator has such) to inform you about the availability of paid services associated with your number, including subscriptions to 7878

The most informative is access through the web interface of your personal account, and in the absence of the Internet or the desire to use it, the good old USSD request will help.

for "megaphone" - *583#, for "beeline" - *110*09#, "MTS" will enlighten about this by command *111*919#, "TELE2" - *189#

If the acquired knowledge has shown that there are subscriptions, and money is being rapidly debited from the account because of this, one should not hesitate. Using the same tools, you need to disable the subscription, and the debiting of money will stop.

This is done with the help of a personal account, and personal assistance services, by calling the support service. The USSD commands specified here will also allow you to select the desired command - “disable”.

Also, a quick cure for a paid subscription when a user receives an SMS about the activation of this service will be a response message consisting of the word stop (or STOP).

Refund of spent funds

The loss of money for an unnecessary paid subscription, by accident, through negligence or ignorance, and even more so through someone’s selfish intent, will certainly inspire justice to be restored. I want to return what was lost because of the number 7878, but here is the difficulty. As already mentioned, from the point of view of the operator, namely to him we pay, and it is to him that we will go with a claim, the user himself, voluntarily, even if not consciously, but voluntarily, took actions that led to the activation of a paid subscription, and, as a result, to write off funds.
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The above, of course, does not mean that it is not necessary to try, it is necessary, and the Internet is replete with stories of successful disputes. Sometimes, in order to avoid image losses, in mass cases, when the problem of paid subscriptions becomes public, is exaggerated in social networks, operators meet halfway and restore the status quo of the wallets of their subscribers who have suffered from their ignorance and inattention.

Knowledge is not superfluous, it is an axiom, and with regards to the security of your own money as well. Having an idea about the structure of paid subscriptions, including the number 7878, about the work of short SMS numbers for someone else, it is easier to navigate, it is easier to avoid mistakes, there are more chances not to regret the lost money and time. Let's be careful when pressing buttons, entering our data and phone numbers, and, for sure, there will be fewer disappointments in life associated with mobile communications.

For users of cellular communications from Beeline, the RURU.ru payment center provides the ability to transfer money from the balance of one mobile phone to another. The operation is performed by sending SMS messages to the number "7878". This quick money transfer service is convenient, but can be used by scammers to steal money from subscribers. You can find out about the rules for using the number "7878" and how to protect against theft with its help in the presented article.

Danger level:

Interest in the number:

Beeline money transfer

The algorithm for using the number 7878 to replenish the balance of another Beeline subscriber is simple, but requires care when entering data. It includes the following steps:

In a similar way, you can replenish the balance of subscribers of other mobile operators, you only need to specify a different code at the beginning of the SMS:

For Tele 2 - tele2;
For MTS - mts;
For Megafon - mgf.

To transfer funds from a phone account to a MasterCard or Visa bank card, the algorithm of actions is similar, only the text of the SMS message is different. You need to specify in it - "Master / Visa" space "card number" space "transfer amount".

Number 7878 allows you to send money from a Beeline phone account to a specified citizen of the Russian Federation using Unistream. The following information must be entered in the message, separated by a space:

name of the sender;
sender's passport data;
name of the recipient;
transfer amount.

To make transfers to the CIS countries, the “uni” code is changed to the record of the corresponding state. You can find the codes on the Beeline website.

Transactions using the number 7878 are not free of charge, the amount of the commission can be clarified on the Beeline website.

Known scams with number 7878

There are several ways to steal funds from the accounts of Beeline subscribers using the number 7878. The most common algorithm is the following:

On Avito or another resource where the contact details of users are indicated, scammers find a phone number and send SMS to it with a profitable offer - usually this is an exchange with a surcharge.
The subscriber clicks on the link contained in the message, and thereby installs a virus on the phone, which gives attackers access to the services of transferring funds, paying for cellular communications, connecting automatic payments, and so on.
Fraudsters send SMS messages to number 7878 containing requests to transfer funds, and the subscriber may not immediately notice where the money is being spent, since the details will show the costs of mobile commerce.

A special case of this type of fraud is the use of a mobile bank from Sberbank.

In this case, the virus, using SMS to number 900, tops up the phone balance from a bank card and then transfers these funds to attackers through service 7878, and incoming messages from Sberbank and RURU.ru are hidden from the subscriber.

Recognizing this method of stealing money, especially if a small amount is withdrawn per day, will not work right away.

How to beware of scammers

Do not dial any USSD commands on the phone at the request of people who called from unknown numbers, even if they introduced themselves as employees of a mobile operator. To check the information, dial the provider's official support service and find out details about the USSD request imposed.
In the case of calls with a request to return the transferred money by mistake, offer the victim to write an application for a refund, since if the funds were really transferred, then the scammer will submit it anyway.
Do not click on links or call back the numbers contained in SMS. Please note that scammers can use the numbers of your friends, since any phone can be hacked, infected with a virus. When you receive SMS with questionable content from subscribers saved in the contact list, call them and check the fact of sending the message.

The number of fraud methods using official services, including 7878, is constantly growing and it is almost impossible to be aware of all of them, so you just need to follow the recommendations indicated in the article. This will most likely protect your accounts from theft.

I ran into an awkward situation this week. My wife had money taken from her credit card. Figured out how it's done. I am writing to warn about holes in Sberbank and Beeline. Random these holes to steal money from customers or not, you decide.

So, the scam scheme that still works:

2 .Mobile Banking is a plug-in service of Sberbank that allows customers to make settings in their personal account. For example, such as: connecting auto payment to a mobile phone, transferring money, paying by phone, etc. Attention, for this, scammers do not need a "mobile bank" installed on the phone. You do not need to know your login, password, or temporary codes. None of this is needed! The Green Bank has already taken care of that. Moreover, the client may not even connect this service and may not even know about its existence! It is connected to a credit card by default. He can even write an application to disable the "mobile bank" service from the card. Sberbank, having disabled the service from a debit card, will leave the “mobile bank” service connected to a credit card (not a debit one, for example, a salary card, but a personal credit card, with a set limit on a certain amount that it can borrow and spend). It remains to send SMS from the infected phone to number 900 of Sberbank with the text "AUTO 1000". After that, in the account for a credit card (namely for a credit card, not a debit one), Auto payment to a cell number will be installed, with the setting to top up the phone balance by 1000 rubles, when the balance drops below 600 rubles. That's it, the bank is charged. In turn, the bank will then respond to the client, we received an SMS command from you, we executed it. Moreover, scammers may have a green fortune, and auto-payment will deduct money from the card in excess of the established limit, for several days in a row. Well, you can get by with a limit of 3000 rubles (proof http://data.sberbank.ru/bashkortostan/ru/person/dist_services/inner_mbank/?base=beta). and withdraw money until the loshok dies. Security guards will not see anything suspicious with credit card transactions. Even if the deducted amount pulls on the criminal article 158.

3. The third stage is the easiest. SMS is sent from the Beeline phone to the short numbers free8464, 7878, 3116, bee900, etc. In detail, they are referred to as “Payment for mobile commerce services”. This is a paradise for scammers. Can be up to 15,000 rubles per day. conduct. Then they will also tell the client: “Well, you are a losha-a-ara, scammers took your money away from you! A few years ago, you activated the service “ban on sending SMS to short numbers”, well, you are a loshara, this service has not been working for a long time.”

4 The application to the Ministry of Internal Affairs is accepted, but, according to the words, the case is closed after 30 days. Profit! Although no. I doubt that it will work for those who want to repeat this scheme by dissecting the virus apk file, changing the settings in order to gain access to the virus themselves, for one simple reason. It is unlikely that the professional security service of Sberbank will not notice suspicious movements on the card and will not react in any way, and the system settings will be so favorable to them that they will allow them to exceed the established daily limits for auto payments. Also, the Beeline security service will immediately cut through new figures in their clearing.

Why is this scheme applicable specifically to the Sberbank-Beeline connection: “The ability to connect auto payment for invoicing by a telecom operator implies the existence of appropriate conditions in the contract between the client and the telecom operator. At present, connection of auto payment under the postpaid scheme is available only to Beeline subscribers. proof: http://sberbank.ru/common/img/uploaded/files/pdf/mob_ruk2.pdf In the same place: “After some time, a message from the telecom operator will be sent to the connected subscriber number. In case of successful processing of the application from the Bank to connect the service, the operator will receive an SMS message that the service has been successfully connected (Beeline, Tele2 and NSS); or a notification that the service will connect after the waiting period for refusal (MTS, Megafon, BaikalVestcom) "This Sberbank-Beeline bundle even holds a promotion" Bonus for auto payment "(proof http://www.sberbank.ru/common/img/uploaded/ promo/Bonus_za_avtoplatezh_Beeline.pdf). Well, not cynicism?

This scheme has been successfully operating since at least the autumn of last year. According to information from acquaintances working in the bank, the money was not returned to anyone.

Well, I warned you. Now protect your wallets and phones as best you can.

Now details of my case.

On Wednesday, February 24, I'm going to apply to the Prosecutor's Office, because from the bank, where you sit down, you will get off there. Need advice and assistance in drafting an application to the Prosecutor's Office. How can I return funds from Sberbank and Beeline. What actions can be taken. Maybe someone also suffered from scammers. It's not so much about the money, but the principle. How much you can bypass the traps set up, everywhere they try to bite off and snatch a piece. I want to break the system, at least a little bit.

Modern cellular operators offer the widest range of services, which can be accessed in a few clicks or by sending special SMS. But understanding the current number of service numbers is much more difficult than it seems initially. So, not many subscribers know what number 7878 is. Meanwhile, it allows you to use the most useful service that can be useful to users at any time. That is why it is worthwhile to figure out in advance what it is and how it will be useful to customers of the telephone company.

Modern mobile operators provide not only telephone, but also financial services, and a short service combination of the above numbers allows you to withdraw funds from a SIM card. That is, a correctly sent command writes off money and allows you to receive it in almost any convenient way for the subscriber. At the same time, SMS makes it possible not only to cash out the balance of the phone, but also to transfer finances to other subscribers. The main thing is to know the right combinations and commands to manage a financial service.

"7878" Beeline money transfer

The process of transferring or withdrawing funds is extremely simple and will require:

writing service SMS;
obtaining a special code;
using a code to complete an operation.

In this case, in the text of the message you need to write:

for withdrawal through Beeline terminals "RUB amount";
to a friend's phone "phone amount" (the phone is indicated through 7);
to a bank card “card type (Visa, Maestro, Mastercard) card number amount”;
to the bank account “bank code (indicated on the website) account number amount”;
on WebMoney "wm wallet number without R amount";
money and postal transfers “payment system code country code full name of the sender passport of the sender full name of the recipient amount” (details on the site).

It is important to remember that the short number 7878 is a transfer of money to a card to another subscriber, so you should use it carefully so as not to be a victim of fraud.

A message is not sent to number 7878 - reasons and what to do?

Despite the importance of financial services, even such services can be unavailable. At the same time, if an SMS message is not sent, it is impossible to make a money transfer to the card. The only way out of this situation will be to find the causes of what happened and then correct the detected error or malfunction.

In most cases, subscribers are able to cope with difficulties on their own.

Causes

The most common causes of difficulties are:

typos in the details of the recipient;
errors in country codes and payment systems;
lack or lack of funds on the SIM card, due to which the operation was left unpaid;
independent disconnection of the service in the past;
system failures;
smartphone problems.

There are other sources of possible problems. So, sometimes the difficulties with sending are related to the inability to send any SMS in general, and not the financial option in particular.

What to do?

There are several ways to deal with difficulties and restore the correct operation of the system:

check whether the specified details belong to the recipient, and make sure there are no typos or errors;
use an alternative approach and transfer finances using a special website for Beeline money transactions;
contact the operators of the contact center and ask them to sort out what happened, and at the same time check the status of the operation.

Each of these methods has its own advantages, so the final choice of the optimal approach depends on the wishes of the user.

How to disable the service 7878 on Beeline?

Those who wish to disable the 7878 service on Beeline should try:

visit your personal account and deactivate the option by finding it in the list of applications;
contact the hotline operators and ask them to help with deactivation;
visit the nearest communication salon and seek support from the managers working in them.