WebMoney Transfer

WebMoney Transfer
WebMoney - a universal electronic system for online payments. It provides real-time settlement of accounts between registered users who have received a unique user ID (WMID).Accounting units are called WM-units - a title units equivalent to the various currencies that are stored on the respective types of purses: WMR - «Dollars" to R-purses, WMZ - «U.S. dollars" on Z-purses and so on.To operate the system using the client software:WM Keeper Classic - is installed on your PCWM Keeper Mobile - software for mobile devicesWM Keeper Light - Web-based interfaceHistorical BackgroundCountry. Legal spaceCurrencyDestinationProvision of fundsLogging inSoftware. Browsers and platformsAnonymity of payments, privacyCryptography and SecurityInputOutputRates. The Board ofMicropaymentsAccountingLendingPatronage of the transaction (two-phase payments)Restoring"Pros" and "cons"ReferencesOfficeTechnical supportHistorical BackgroundNovember 20, 1998 in WebMoney Transfer has been carried out the first transaction. This was reported in a press release issued on November 24, and it is this day - November 20, 1998 - the day should be considered the beginning of history WebMoney.The owner and administrator of the payment system WebMoney Transfer - Company WM Transfer Ltd. The developer of the software system, it is also engaged in technical support is still the JSC "Computing Forces".Thus, the idea of ​​creating a new payment system was born in Russia and it is here that the idea was implemented.Stages of development of WebMoney Transfer details are reflected in Articles Site http://owebmoney.ru.We mention here only the major milestones and events that are of key importance in the history of the leading payment system in RuNet.November 22, 1999 was opened by the Certification Authority, which was later renamed the Center Certification -.In April 2000, the WMZ (then just WM, the equivalent of USD) joins the ruble equivalent of - WMR. For many users in the calculations are more convenient and transparent. System is gaining popularity.2001 saw the launch of the exchange of credits, the release version of the software - WebMoney Keeper Light, the advent of the euro equivalent of the system - WME. Should regard this kind of breakthrough - WebMoney goes to the European market makes it easier to work with the system of non-residents.In 2002 were discovered by two services: Security, which increases job security, and Merchant, simplifying the online payments system, connected to Internet stores and service providers companies. Work to improve safety in the system - is a priority, users accept WebMoney - the most reliable to date, the system of electronic payments.In 2003, the service is running notifications for messages, or transfers of accounts - service Notify, have tightened rules for obtaining passports, appeared WMU - equivalent of the hryvnia. WebMoney becomes very popular in Ukraine.In 2004 he was released on GSM Keeper - version of software for mobile phones.WebMoney strives to keep pace with the development of high technology and meet the requirements of its users.In 2005 there were Uzbek purses WMY, was introduced index of business activity by Business Level. WebMoney is fighting for the title of a reliable tool for doing business on the Internet.2006 users blessed advent of Belarus Belarusian WMB, for all participants in the system was opened debt service. Among other events of 2006 revealing a connection to WebMoney livejournal.com, and many western poker rooms, casinos, betting shops. WebMoney is actively moving to the West.In 2007, a new type of title characters - WMG, backed by gold. Also, the panel was created WebMoney Advisor, implemented enhanced security system, service processing, makes it easy to accept payments to the Seller by WebMoney. In the same year opened wiki.webmoney.ru, contract with Skype, and now you can pay for service via WebMoney.December 12, 2007 WebMoney won the National Banking Award in the category "Best online payment system." This event should be made a separate paragraph: this is really the success of WebMoney Transfer.2008 was also rich in important events. The first thing to note the connection to WebMoney social network Vkontakte, the popular game World of Warcraft, faylaobmennoy of RapidShare. 23 July, 2008 Arbitration WebMoney Transfer has made changes to the Agreement on the transfer of property rights of digital title marks. We are talking about banning the use of systems, e-gold.com, liberty reserve, pecunix on transactions of sale, as these systems are not provided proper identification of the individual owner. Exchange points of WM forbidden to carry out exchange operations and promote a more extensive list of payment systems: e-gold (e-gold.com), e-bullion (e-bullion.com), Pecunix (pecunix.com), Liberty Reserve (libertyreserve.com ), c-gold (c-gold.com), AlertPay (alertpay.com), InoCard (ino.ru), ICQMoney (icqmoney.ru), Imoney UAH (imoney.com.ua), UkrMoney (ukrmoney.com. ua), and DeltaKey (deltakey.ru). In fact, WebMoney marked vector, to be followed by another payment system, it is politically significant decision, saying also that it is WebMoney - a leader among payment systems, identifies trends and rules for the operation of services in this market.WebMoney is the most popular electronic payment system in Russia, Ukraine and CIS. Recognized by the system and abroad: the U.S., Europe, UAE. On September 23, 2008 the number of registrations in the WebMoney Transfer has exceeded six million.Country. Legal spaceWebMoney Transfer is based on international legal framework is intranatsionalnoy payment system.CurrencyWebMoney is a multi-currency system: it operates with the titular characters WM-units, secured by various assets, and stored in the appropriate electronic purses:WMR - equivalent to R-RUB pursesWME - equivalent of EUR on e-pursesWMZ - equivalent USD on Z-pursesWMU - equivalent UAH for U-pursesWMY - equivalent to UZS on the Y-pursesWMB - equivalent to the B-BYR pursesWMG - the equivalent of 1 gram of gold on the G-pursesWMC and WMD - WMZ equivalent for transactions on the C-and D-pursesSharing the title characters of different types is carried out of the system using exchange services. Transactions within the system are possible only between one kind of purses.DestinationThe system WebMoney Transfer enables financial transactions between users of the system, to acquire goods / services on the Internet. Conveniently pay with WebMoney and replenish the account of mobile communication, Internet providers and satellite television. Also, participants in the system is given an opportunity to make an immediate and automatic exchange of title signs WebMoney to any other e-currencies, to make financial transactions via email.Provision of fundsIssue a particular type of title characters in the WMT carries Guarantor.
The definition of "guarantor" is given in the user agreement.
"Guarantor - an organization that stores and manages a software issue, which establishes an equivalent exchange for the alleged property rights, which published on the website of Systems and Software WebMoney Keeper offer of purchase and sale of title characters like guaranteed, providing the legally significant commercial introduction of title characters such as guaranteed under the laws of the country of registration. "Guarantor for WMR-Operations LLC is a "BMP", a company representing WebMoney Transfer in Russia.Guarantor for WMZ-and WME-company transactions is Amstar Holdings Limited, SA.Guarantor for WMU - LLC «Ukrainian Guarantee Agency."Guarantor for WMY-company transactions is Uzbek Guarantee Agency Ltd «TILLO-GARANT».Guarantor for WMB - Open Joint Stock Company "Technobank."WMG acts as guarantor for WM Metals FZE, UAELogging inTo get started in the payment system WebMoney Transfer, please register on the site WebMoney Transfer, with the need to introduce reliable information about themselves, including - the exact name and passport details (for a formal certificate.) What follows is mailed to activate the e-mail registration code to check the validity of the said mobile phone. Then you can download the package WM Keeper Classic with the developer's site and install the software by following the instructions, prompts.Software. Browsers and platformsWebMoney Transfer enables users to use a special software WM Keeper:WM Keeper Classic, a program developed under the Windows operating system and installable on a computerWeb-based WM Keeper Lightmobile version of WM Keeper Mobile (GSM Keeper, Telepat)WM Keeper Light adapts browsers: Konqueror, MacOS X Safari, Microsoft Internet Explorer, Mozilla Firefox, Netscape Browser, Opera, Safari, then there is a program of cross-browser and a suitable alternative for users of Windows operating systems.Anonymity of payments, privacyThe system WebMoney Transfer account personalization is required, the anonymity of payments support, and remains at the discretion of the user. The user can obtain a digital certificate, which serves to personal data. Such a certificate called a "certificate". Certificates have the following levels:Alias ​​passport - passport, the data which do not pass verification.A formal certificate - a certificate from the compulsory inclusion of passport data, which will not pass inspection as long as there needs to cash WM-units. A formal certificate system allows the user to access the service Banking WebMoney Transfer, which allows input and output from the system of money through bank transfers, postal order and via instant recharge (terminals)Initial Certificate - granted after checking passport details Officers, an affiliate of the Center attestation. The procedure for obtaining the initial certificate is not free: the minimum value is defined in 1WMZ, determines the actual cost of the passport issuer-specific Officers. The initial certificate system allows the user to participate in the Credit Exchange, gains access to the current budget machine Capitaller. For such a certificate is valid in the simplified diagram of regaining control of the WM-identifier and a number of additional benefits.Personal Certificate - Certificate received from Registrars, members Partner Program Verification Center. The minimum cost of a passport - 5 WMZ. The advantages of a personal passport to the initial:
the status of the consultantthe possibility of placing news on various sites ofPartner Program Verification Center to issue certificates certifying the aboverecourse to arbitrationCertificate of the Registrar - the highest level of attestatatsii obtained after a personal meeting with a representative of the Center Certification. For the Registrar's certificate is necessary to conclude a civil provovogo "Agency Agreement" (Chapter 49 of Art. 971-979 of the Civil Code) with the operator of WM Transfer Ltd, and to guarantee payment in the amount of 2000 WMZ.Certified as a Registrar, the user is an affiliate of the Center Certification and has the right to participate in the arbitration service as an arbitrator.Cryptography and SecuritySecurity system WebMoney Transfer provides a whole set of technologies. There are three types of authentication: WMID, wallets and key files, personal digital certificates and System E-Num. In this case, the information is always transmitted in encrypted form, using cryptographic algorithms with key lengths greater than 1024 bits (like RSA) and a unique session key. The system implements resistance to breakage of communication. You can adjust the degree of security in the system: for example, you can restrict access to the electronic wallet, tied him to a single IP address or a specific range of addresses.InputTransfer of money in the system slightly differs depending on the type of purse, and WM-units.
For all WM-units remains the same charge of funds by wire transfer, exchange in one of the sections of the exchange and sharing www.exchanger.ru other e-currency exchange offices.
For all WM-units, except for WMG and WMZ provides for the possibility deposit cash in bank vaults or point of reception.
For the WMR and WMB can wire transfer funds to an account.
Owners purses WMR, WMZ, WMU can use WM-cards to replenish their accounts.
Also, for the following types of purses are provided in the special ways of entering the money:for WMR and WMU - at ATMs and POS terminals, through dealersfor WMZ - prepaid card cashUfor the WME - completion of prepaid card / voucher anywhere in Europefor WMR - With the help of systems CONTACT and Unistreamfor WMR, WMZ, WME, WMU-exchange cash for WM in one of the exchangersOutputFor WMR WMZ WMU WME match following methods to withdraw funds: bank transfer, exchange WM for cash (non-cash) in one of the sections of the Exchange www.exchanger.ru, WM exchange for cash in one of the exchange offices, exchange e-currency WM on other systems .
WMG can be deduced by bank transfer, exchange e-currency to another - WM and other systems, just getting gold.
WMZ also derive transfer to a bank payment card service "Payment Cards WebMoney» and exchange WMZ to USD with the transfer through Western Union.
WMB can withdraw cash through a bank, credit card completion, transfer to a bank account.
In addition to these there are other ways of displaying the following features WM-units:for WMR - translation into Russian bank card, the payment of RUR through remittances Contact, exchange WMR into Russian rubles by mail order through dealers WMR translationfor WMU - translated by UAH transfer system Aval-Express and SOFT, the translation through dealers WMURates. The Board ofWithin the system are charged a commission fee of 0.8% of the amount of payment, but not less than 0.01WM for each transaction. The maximum fee amount does not exceed 50 standard units for WMZ, WME, 1500 - for the WMR, 250 for WMU, 100,000 for WMB, WMY and 55 000 for 2 for WMG. When performing transactions between purses of a WM-identifier of charge. For committing credit transactions with owners wallets D-type system will be charged a commission fee of 0.1% of the amount of each loan granted to them, but not less than 0.01 WMZ. For deposit / withdrawal of funds to / from the system, will be charged in accordance with the rates of agents.MicropaymentsThe system translates to 0,01 WM - that is, from a cop. (WMR), or 1 cent (WMZ).AccountingAccording to General Director of "Keith" Andrei Trubitsina: "The most convenient form of the WM is now their status as" obligations, which gives access rights to the system WMT ». This obligation has a fixed value and, most importantly, take into account the accounting for "balance." However, according to the customer with it can be contracted, WM giving any legal status, such as the loan contract. "Most often, WM-money recorded in the accounting - it checks (in which the payer is a bank) payable to bearer, in electronic form, issued by a legal person, the guarantor of this type of title characters, to settlement. In the Civil Code and the provisions of the Bank of Russia is described by the legal nature of the instrument.LendingThe system WebMoney Transfer Credit Exchange is functioning, the system allows participants to give and receive loans in online-mode, and debt service - service that allows the user to transfer to other participants in the use of funds for their purses.Patronage of the transaction (two-phase payments)The system WebMoney Transfer payments and implemented two-phase trust services.Trust service allows participants to pledge to make the deal amounts to a special trust WM-purse. To recover their money only if the investor will be able to successfully conduct transactions only with the consent of the other members of the trust.
Also, the payment system WebMoney can be protected by the protection or patronage of the time code. In this case, the money comes at the expense of the payee, but to use them it can not be prior to the expiration or prior to the introduction of a protection code, which protects the translation. If the protection code is not transmitted to the recipient, the money returned to the sender. With the patronage of the time - translation is not refundable.RestoringIn case of loss of access to the system, you can try to restore access yourself using the saved backup keys. If the copy is lost and failed to regain access, you should undergo the procedure, an algorithm which depends on the particular situation. The procedure to restore access - chargeable.
It should create a new or used other WMID, this WMID certificate shall not be less formal. Next, you must submit an application on the site and confirm the ownership of the lost WMID. Member Center provides certification application for the restoration of control over the WM-ID and photocopy of relevant pages of the passport.