For owners of plastic payment cards KNOW-HOW
How is the amount debited from the card calculated if the purchase price is in a foreign currency?
If the amount of your purchase is denominated in USD or EURO, then the ruble conversion rate used to block Money on the map - the Central Bank of the Russian Federation on the day of the operation + 2%. When the funds are finally debited from your card, the exchange rate of the Central Bank of the Russian Federation on the day of settlement in the MasterCard system is used (this day may not coincide with the day of purchase) and excessively blocked funds are returned to the card. The average purchase confirmation time is 4 days. In exceptional cases - up to 30 days.
When making transactions in another currency (other than rubles, US dollars or Euros), the blocking amount will be converted at the MasterCard rate on the day of the transaction into US dollars or Euros, and only then converted into rubles at the rate of the Central Bank of the Russian Federation on the day of the transaction + 2%.
For example, you purchased on March 1 in a foreign online store some product for 100 USD. Suppose that on March 1, the Central Bank set the rate of 29.50 rubles for 1 USD. This means that 100 × 29.50 + 2% = 3009 rubles will be reserved for this purchase. Suppose this payment was confirmed on March 5 and the exchange rate of the Central Bank on March 5 is 29.60 rubles for 1 USD. As a result, the transaction dated March 1 will be adjusted and 100 × 29.60 = 2960 rubles will be debited. The difference 3009 − 2960 = 49 rubles will be unlocked and will be available for future purchases.
Can I use a KNOW-HOW card to pay for loans?
Can. The first way is in any KNOW-HOW store. To do this, you need to present a card and provide bank details. The second way is in the Payment Cabinet. Go to the "Repayment of loans" section, enter the required data and confirm the payment.
Is it possible to pay with a KNOW-HOW card abroad in stores? At what rate will rubles on the card be converted into euros/dollars when paying in stores abroad?
The KNOW-HOW card can be used to pay in stores all over the world where bank cards are accepted. MasterCard systems. When making purchases abroad in USD or EURO, funds will be converted at the exchange rate of the Central Bank of the Russian Federation on the day of settlement in the MasterCard system (this day may not coincide with the day of purchase). LLC RNKO "Payment Center" does not charge additional commission for the conversion.
Can I connect a KNOW-HOW card to Apple Pay?
You can pay for purchases with a KNOW-HOW card in one touch using Apple Pay. And from this to receive 1% bonuses! Top up the card with the required amount and pay profitably, without risks! Linking a card is just a few minutes. And you can replenish the card from any account or at the checkout of the KNOW-HOW store. You choose the amount yourself. You can unlink your card from Apple Pay at any time.
Setting instructions
How to exchange a card if its validity expires?
The validity period of the card is indicated on the front side in the format month/year. Your card is valid until the last day of the month indicated on it. AT last month card, you can replace it for free. How to do it? In any KNOW-HOW store, you can exchange an expiring card for a new one. Don't forget to take your passport with you!
After replacing the card with a number mobile phone card, to which the card is issued, you will receive an SMS message with a code. Send the text "replacement" to the short number 1069<код>» to confirm that the card has been replaced. If for some reason you are unable to send the replacement confirmation code, please contact the KNOW-HOW Information Center by phone 8 495 514-12-12. After confirming the replacement, all funds are transferred to a new card.
How to find out the balance of the card?
You can find out your MasterCard balance or bonus card balance in any of the following ways:
2. By sending an SMS to the short number 1069 with the text "balance".
The cost of SMS-messages to number 1069 depends on the telecom operator and is approximately 3.5 rubles without VAT. Please read the information about Tariffs in advance.
What to do if the card is lost?
As soon as you discover that the card is missing, immediately call the KNOW-HOW Information Center at 8 495 514-12-12 and block the card in order to save points and money on it. After that, contact any KNOW-HOW store for new card. At the same time, both the points and the money that remained on the old card will remain on the new one. Don't forget to take your passport with you!
The temporary password has expired, what should I do?
You need to call the Information Center by phone 8 495 514-12-12 or use the form "I have a question" on the website. You will be sent an SMS message with a temporary password to enter the Payment Cabinet, which, for security purposes, will need to be changed within 14 days from the date of receipt.
How much does maintenance and use of the card cost?
The KNOW-HOW card is free for the buyer. Neither subscription fee, no commission is charged for making payments using it. But there are a number of services on the card that are charged separately. More details about tariffs can be found in the Documents section.
How to register in the PayPal payment system?
KNOW-HOW card holders have the opportunity to pay through the PayPal payment system. First name and last name are not used for authorization MasterCard cards. Therefore, you can enter a freely formulated first and last name in Latin. Also, we recommend entering the words UNEMBOSSED NAME. Take advantage detailed instructions by connecting to the PayPal payment system. Happy shopping!
How to get a PIN code?
To receive a PIN code, call 8 495 761-67-78 (in the territory of the Russian Federation) within 14 days from the date of receipt of the card from the mobile phone number that you indicated when issuing the card.
To receive a PIN-code later than 14 days after card issuance, please contact the KNOW-HOW Information Center by phone 8 495 514-12-12.
The PIN code will be required in the following cases:
- when making purchases at the checkout, the cashier may ask you to enter a PIN code;
- when making transactions at an ATM.
Can merchants make money transfers?
Money transfers are carried out by RNKO "Payment Center" (LLC) (License of the Bank of Russia No. 3166-K), operating under the brand " gold Crown- Money transfers". This credit organization, which has all the necessary permits and licenses of the Central Bank. The KNOW-HOW company acts as an agent of RNKO for attracting and serving customers. Each KNOW-HOW store has an offer ( legal document), which describes all the rules and conditions for the provision of this service.
Can I donate a KNOW-HOW card?
The card is an individual payment instrument and cannot be given as a gift. We have done everything possible so that everyone can become the owner of the KNOW-HOW card.
The card cannot be reissued to another person. The use of a card issued to another person is not provided for by the terms of the Program.
Why leave passport details when receiving a card?
On the KNOW-HOW card you will see two logos of MasterCard payment systems and "Zolotaya Korona - Repayment of loans". This means that you can use the card as a bank card, that is, use it to pay for goods in any store with this MasterCard logo, as well as repay loans. And according to the rules of banking legislation, a card can be issued only upon presentation of a passport by the client.
Are bonus points awarded for money transfers? I didn't get points. If they are accrued, can I accrue them after sending the transfer?
KNOW-HOW does not charge bonus points behind Financial services. These include:
- Repayment of loans
- Money transfers "Zolotaya Korona - Money transfers"
- Replenishment of MasterCard account
For other transactions, accruals are carried out.
What are "blocked funds" in my Payments Cabinet?
A KNOW-HOW card registered by a phone number (the card is a conditional concept and is not issued on hand) is a service program. Any cardholder, when making a purchase in KNOW-HOW stores, receives privileges and additional features. For each purchase, you receive and accumulate bonus points that you can spend on discounts in KNOW-HOW stores, participation in exclusive closed sales or gifts. Points can be used the next day after purchase!
How to get a card
Just register and verify your phone number with a 5-digit SMS code in the store. You must provide your full name and date of birth. To write off points in the future, you will need to provide a confirmation of your email address, as well as a one-time replenishment of the bonus account for 169 rubles to activate it (bonuses will appear on the account in 24 hours and will be available for debiting as a discount).
How does the card work? Simply by phone number, it is enough to confirm the operation by SMS. You get bonus points, and you can spend them on a discount of up to 20% when buying accessories or settings, and up to 10% when buying equipment (up to 3% for Apple equipment).
Additionally, and only if you have plastic card(only with the provision of identity documents until September 2019), you can use the card as financial service and pay for any purchases wherever MasterCard cards are accepted for payment, including applications in the AppStore. The KNOW-HOW card allows you to send money transfers within Russia and the CIS countries. Sending a money transfer with a card is as easy and fast as topping up your mobile phone balance! Plastic (!) KNOW-HOW card is a card payment system MasterCard, which can be used to conveniently and safely pay for purchases and services in many places - at gas stations, in cafes and restaurants, grocery stores, wherever plastic cards are accepted for payment. Even abroad and on the Internet!
The KNOW-HOW card is a convenient and profitable way payment of your regular payments (cellular and landline telephone communications, Internet and cable TV, utilities, etc.). Pay your bills without leaving your home, in the payment cabinet or from your mobile phone! After clearance plastic card:
- You will receive an SMS with a set code word for calls to the Information Center - save it!
- You will need a PIN code to pay for purchases in stores and when withdrawing cash from ATMs. Within 14 days from the date of receipt of the card, call from the phone number to which the card is registered at 8 800 333-05-01 (valid on the territory of the Russian Federation, the call is free). If you are abroad, the number 8 383 363-09-24 is available to you to obtain a PIN code (payment according to the tariff of your operator mobile communications). Detailed information in the section "How to get a PIN-code".
Attention!
To obtain a KNOW-HOW plastic card:
- you must be 18 years of age;
- you must have a passport of a citizen of the Russian Federation or a passport of a foreign citizen and a document confirming registration in Russia.
Opening hours: 10.00-22.00
Services of the digital center "ION"
ION in Moscow
Site www.i-on.ru
Opening hours: 10.00-22.00
Trading network "ION" is retail network mobile and electronic equipment stores.
The ION trading network began its work in 1994, and today the company consists of 88 digital centers in Moscow and the Moscow region. The name of the company did not come from the name of an electrically charged particle, but from the phrase in English "I on" - which means "I'm on." Digital photo and video cameras, PDAs, mobile phones, laptops, GPS navigators, game consoles, portable DVDs, satellite phones, security systems, software, digital photo frames and accessories - the ION assortment includes more than 5000 items and is constantly updated with new products. The client can be sure of the quality of the goods offered, because ION digital centers offer goods from global manufacturers - Samsung, Sony, Panasonic, etc.
Services of the digital center "ION"
Trading network "ION" relies on quality - goods and services. Sellers in digital centers are highly qualified professionals in their field. They know everything about what they are selling and can give the buyer good advice and answer all their questions. Store employees will talk about new products and the most popular models, advise and select, according to the wishes of the buyer, the best possible model, explain how to use the purchase. ION cares about the comfort and good mood of its customers, so network specialists will not only set up all the necessary functions and install all desired programs but also show and tell how to do it.
In ION, the buyer does not need to worry that he will make the wrong choice, because here there is an opportunity to correct his mistake - he has the right to return the purchase within 30 days without explaining the reasons. The ION digital center made the buying process easy and enjoyable.
And for lovers additional benefits there is a "Laziness Kart" "ION". The card provides its owners with unique purchase conditions and exclusive service. Its owner receives special "lazy" prices for goods and a 5% discount on all accessories. In addition, employees will set up all simple settings for free, while complex ones with a 50% discount will simply and clearly explain how to use the purchase. The store offers customers to just relax, and not to think about complicated settings, instructions, and so on, because the employees of the ION digital center will do all this for you.
The “Laziness Card” is cumulative, with each purchase bonuses are accrued on it, which can then be exchanged for nice gifts.
ION in Moscow
88 centers operate in Moscow trading network"ION", 4 of which are round-the-clock. All stores are located mainly in large shopping malls Moscow and the Moscow region, almost all of Moscow are located near the metro. In addition, there is also a very convenient online store. This is a real find for people who save time. Making a purchase is easy - you just need to leave the necessary data on the official website of the ION online store - www.i-on.ru, and the courier will bring the goods to the specified address.
Recently, a new service has appeared - express delivery, the goods can be received right on the day of the order. You can pay for the purchase in 3 ways - cash, bank card or by bank transfer. In addition, on the official website of ION, you can not only look at and choose the product you like, but also discuss it on the forum, find out the reviews of other people. ION cares about its customers, and with its work hopes to make their life at least a little easier and easier.
ION stores are transforming the loyalty program. From the name "Laziness" it is necessary to refuse, readers of "The secret of firm" and participants of a network "Professionals.ru" consider.
Text: Ekaterina Sirina
In December 2013, ION Digital Center and VimpelCom OJSC signed a strategic partnership agreement. On the basis of the ION network, a network of stores "Know-how" was created, the partners will develop the new brand together. "Combining the efforts of cellular operators and electronics retailers is a global trend," says ION Marketing Director Willy Kryuchkov.
Almost 80 former ION stores are already operating under the Know-How brand. "The format is in demand by consumers, store attendance has already increased by 10%," says Kryuchkov. New stores should retain the main competitive advantages of ION stores - the level of training of salespeople and the quality of service. This will include advice from mobile operator. To do this, a separate zone appeared in the converted stores - VimpelCom employees now work together with the sellers of ION in Know-How. Having chosen a device, the buyer can connect it to Beeline. There were similar opportunities before, but now, according to Kryuchkov, consultation on operator services will become more professional and convenient.
The corporate style of the stores has become more democratic, the sellers have changed their strict suits to polo shirts. The new network expanded the product group of tablets, reduced the range of laptops. The company sets itself the task of rejuvenating the target audience. For ION stores it was 30+, for "Know-how" it is supposed to be 25+.
One of the company's tasks is to transfer a successfully existing loyalty program to a new format. In ION stores, customers received a "Len-card" (more than 290 thousand cards were issued). In addition to points for the purchase, the company focused on the convenience of using the card, offering increased bonuses for services (setting up the device, installing software). But a younger audience is less in need of such services. Perhaps she would be interested in other options. Should I come up with a new name? bonus card Or keep the old one? What services to add? Should brand continuity be emphasized? ION stores have an established audience, but Know-How is a new brand with which the company hopes to attract new consumer groups. For advice, Willy Kryuchkov turned to the readers of "The Secret of the Firm" and members of the "Professionals.ru" network.
Willy Kryuchkov, ION Marketing Director
We were pleasantly surprised by the initiative of the participants of the Bank of Solutions, high level and the validity of the answers received a lot useful information. Someone thinks strategically, someone is too global, someone offers interesting ideas that are not related to the issues of the case. First of all, I evaluated ideas that were adequate to the tasks set, easy to implement and giving a return. Detailed - higher. Maximum amount points received answers with a lot of valuable advice, despite the presence of controversial or even dubious proposals. Their authors are Elizaveta Kupchinaus, Roman Bunin, Konstantin Ustinov.
Separate recommendations are heard by many authors, we will implement them. For example, the Q&A service, according to Roman Bunin, will help create interesting content, and active participants will receive points on loyalty cards. Need to create mobile app, emphasize Roman Shchukin, Andrey Pometun and others. It is more convenient for many to have a card in in electronic format. And, as Konstantin Ustinov advises, we will link the card to the mobile phone number. Some ideas are worth considering, for example, Roman Schukin's proposal to create an online service for remote equipment configuration. I liked the advice of Elizaveta Kupchinaus to accept online orders for devices with settings - this will help to separate from competitors on the network.
It's nice that the authors have a warm attitude towards the ION brand and understand that over time it will have to be abandoned or used for new projects. "Laziness-card" will take the best from the old program and will be called "Know-how". According to Alexander Zmeul and Igor Son, this will contribute to greater recognition of the new brand.
Maria Golenkova, Marketing Director Inventive Retail Group
It was interesting to take part in the "Decision Bank", I'm glad that such a project exists. The Inventive Retail Group includes mono-brand chain stores re:Store (Apple brand), Sony Centre, Samsung, LEGO, Nike, Prenatal and Unode50. We treat our colleagues from ION ("Know-How") with great sympathy, and I think they are moving in the right direction. Our paths intersect in many ways, we are also looking for the optimal positioning of our stores. From the answers of the participants, I learned a lot of useful things, I think the authors of the case will take advantage of the suggested tips.
My approach to evaluating decisions was different than that of my colleagues, although our opinions coincided in choosing the winners. In addition to the quality and elaboration of the proposed ideas, I evaluated the systematic approach of the authors, the structure of the presentation, the effort and the time spent. Elizaveta Kupchinaus, Konstantin Ustinov, Haykaz Avetuntsi were not too lazy to analyze the site, reviews about the company, its presence in social networks. Elizabeth's decision is a ready-made matrix of ideas.
I agree with the authors who emphasize the importance of promotion in social networks, especially if the company intends to attract a younger audience. We actively engaged in such work two and a half years ago and are pleased with the results.
I will support the remarks about the need for marketing research (this is written by Elizaveta Kupchinaus, Vladimir Zelensky) - if the company knows the audience of ION, then the potential audience of "Know-how" is not yet available. I also consider it necessary to involve consumers in brand support.
I liked the solution and many ideas of Alexander Zmeul and Igor Son. For example, master classes for smartphone owners that we hold as part of the Academy of Innovations give a return, create an atmosphere around the brand. Like many authors of solutions, the name "Laziness-card" seems to me not entirely successful, especially for a young audience. I would also prefer the name to be associated not with laziness, but with activity.
Consultant
Kirill Kukartsev, commercial director 2GIS
The best answer, in my opinion, is from Dmitry Sakhanenko. The author lacked a detailed analysis of marketing tools to reach the highest mark. But I think the author's emphasis on business profitability is correct. But Elizaveta Kupchinaus (her solution in my rating took second place), on the contrary, lacks a business approach, although she paid great attention to marketing, carefully analyzed the case, and gave detailed answers. It is important to think about marketing without forgetting to count money.
Dmitry Sakhanenko is right: the loyalty of the audience to Beeline will allow Know-How to quickly adapt to the market. At the same time, Konstantin Ustinov draws attention to the risks: cooperation with VimpelCom may lead to an outflow of consumers loyal to other operators. I agree that the company should pay due attention to the problem and, perhaps, consider some steps in this direction.
I support the remark of Alexander Zmeul and Igor Son: rejuvenation of the audience is impossible without the development of online sales. All proposals related to the active promotion of the company on the Internet are literate, for example, the idea of creating an "Club of Experts" (in the words of Elizaveta Kupchinaus) on the website and in social networks.
Noteworthy is Vladimir Zayachkovsky's proposal to use the name ION to create the company's own brand. It may be implemented later in the future, but I am sure that the company is considering such an option. I also liked the answer of Konstantin Ustinov - he gives a lot of interesting advice. Video reviews of new products are an undoubted trend. Good idea Haykaz Avetuntsi - to launch the tariff "Know-how" from "Beeline". If the operator is interested in it, the tariff will help increase brand awareness.
Winner
Elizabeth Kupchinaus, freelance marketer, Izhevsk
1. The concept of the loyalty program "Laziness" is irrelevant in "Know-how". Reject the previous name and design of the card, release a new one under the "Know-How" brand, link it to a mobile application.
2. Slogan "Talk to an expert" to present as "a conversation on an equal footing." The concept of an expert is also suitable for the b2b segment. Create an "Expert Club", encourage advanced buyers to create content on the site or in social media communities and receive bonuses for this.
3. Maintaining a loyal audience of ION is an important but secondary task. Emphasize continuity by informing ION cardholders, accrue additional bonuses for use in Know-How stores.
4. Expand the services of the loyalty program, taking into account the interests of the new target audience. Develop partnership programs, give the opportunity to spend points to pay for mobile communications and services of Internet providers.
5. Consider the Internet as an additional service for buyers. When ordering on the Internet, offer services for installing and configuring software, connecting operator services.
Best Solutions
Place 1
Company -
Job title Freelance Marketer
Town Izhevsk
Place 2
Company Kaizen Institute
Job title Lead Consultant
Town Moscow
Place 3-5
Company Agency?The?Changes
Job title Founders
Town Moscow
Place 3-5
Company JSC "Energomashbank"
Job title Deputy Head of Credit Risk Assessment and Management Department
Town Saint Petersburg
Place 3-5
Company BTL agency Mi8
Job title Project manager "Lightning"
Town Moscow
Worst Decision
Give loyalty cards a new name - "Geek", it characterizes the 25+ audience well.
Word to print
Description new problem can be found on our website in the "Decision Bank" section. You can send your decisions to the editorial office by filling out the form on the website, or before 13.09.2014 . Please indicate your first and last name, place of residence, company where you work, and position. O best solutions selected by an independent jury, "The Secret of the Firm" will report 01.10.2014, then we will announce the winner of the competition.
How business decisions were evaluated
The jury members choose several solutions they like the most, which are discussed in detail. Then, three experts independently evaluate the solutions in points (from one to ten) according to an integral indicator - the effectiveness of recommendations for solving the problem described in the case. The scores assigned by the experts are summed up for each solution. The one with the highest total score wins.
#CASE "Digital laziness" about the possibilities of developing the loyalty program of the ION network ("Len-card") in "Know-how" stores.
[…] “Now the Len-Karta is still being issued in Know-How stores. But the marketing department is thinking about how to modify the existing loyalty program for the new network.
- Should I come up with a new name for the map or can I keep the old one?
- What services to add, taking into account the changed format and alleged changes in the target audience?
In the ION loyalty program, the company focused on the convenience of using the Len-card in everyday life. To encourage customers to buy Additional services, offered increased bonuses for these services. But the younger audience is less in need of such services. Perhaps she would be interested in other options - for example, the ability to receive bonuses for posting comments on purchased equipment.
- Is it necessary to emphasize the continuity of brands?
On the one hand, many people know and love the old ION brand.
- But won't this interfere with the successful positioning of the new Know-How brand?
You can send your decisions to the editorial office by filling out the form on the website, or by mail () until 08/16/2014. Be sure to indicate, please, your first and last name, place of residence, company where you work, and position. The best solutions selected by an independent jury will be announced by Sekret Firmy and Professionals.ru on 09/04/2014, at the same time we will announce the winner of the contest."
#loyalty #service #marketing #consumer #bonus #positioning #rebranding
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