Professional Documents
Culture Documents
Presented By
WiFi Networks (P) Ltd
India
2012
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Networks (P) Ltd. cannot accept responsibility for any errors or omissions or for
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2012
Table of Contents
1
Features .......................................................................................................... 4
2.1
REGISTRATION ................................................................................................................... 4
2.2
ELIGIBILITY........................................................................................................................ 5
2.3
2.4
2.5
2.6
Accounting .................................................................................................... 10
5.1
5.2
5.2.1
5.2.2
Bad Debts........................................................................................................................ 10
5.2.3
Reports .......................................................................................................... 11
PROMOTION ................................................................................................. 11
Technical Architecture.................................................................................. 12
8.1
8.1.1
8.1.2
8.2
8.3
8.5
8.6
10
11
Pricing ........................................................................................................ 15
12
1 Executive Summary
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2012
Simple USSD menu allows the subscriber to access the Airtime Credit.
Eligible subscriber, as defined by the operator will only get the option of
getting the credit.
The subscriber will be able to take credit as per his limit defined by the
operator. Limits can be set for each subscriber.
Operators can track on-line Credit given out, debt recovered and outstanding debt
along with many other reports on subscribers. Also operators have access to all the
transaction logs for revenue assurance and monitoring.
2 Features
2.1
REGISTRATION
2012
ELIGIBILITY
Basic Eligibility:
This is the eligibility of the subscriber to apply for credit this is based on his
active status, age on network & minimum ARPU. Operator can define the
minimum threshold criteria for eligibility/ minimum age and ARPU/average
recharge. Operators can choose any other criteria to establish credit
worthiness.
This is to ensure that Operator doesnt take risk with the new subscribers who
have not established continuity and loyalty on network.
The list of eligible subscriber qualifying the basic criteria has to be pre-defined
by the Operator. The list can be revised every month.
Past Repayment Record:
For subscribers who have taken Credit in the past but have not repaid the
amount and have still outstanding left. Unless a subscriber has not repaid the
amount in full, he will not be eligible for another credit.
This criterion would be dynamically checked with the record of the
outstanding and past credit requests. The record will be maintained for each
subscriber in the Application Database server.
Maximum Balance:
The subscriber should be below a predefined maximum balance in their main
account to be eligible to take credit. In case subscriber already has adequate
balance, Operator can choose not to give further credit to the subscriber.
This criterion would be dynamically checked at the time subscriber makes a
request for the credit.
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2012
2.3
CREDIT LIMIT
Operator can have multiple levels of credit limits based on the profile/segment
of the subscriber. Credit limit for each subscriber is decided based on his past
average usage of 3 or 6 months.
2.4
Subscribers in that usage band will only see option of credit up-to the
highest limit of their limit.
2.5
Based on the Credit limit of the subscriber he would see only those
options when he accesses the service through USSD menu.
2.6
5-10% service fee covers for the bad debts and cost of giving the service
to the customer.
For e.g. a customer requesting for 1USD credit with a service fee of
10%, will get 90cents as credit.
RECOVERY OF CREDIT
In case subscriber has balance less than the credit given, then the
recovery is done in parts, till the full amount is recovered.
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2012
Subscriber cannot take another credit, till he has cleared his old dues.
System will also try to recover the outstanding by directly querying the
customer balance. This is done to improve the debt collection.
The system also queries the customers account once a day for
outstanding amount to be able to recover the loan.
This is done as a back up to cover up for any miss outs during the first
attempt to recover the amount after his recharge.
This activity will be done during the morning hours of 2-6am.
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2012
3 User experience
The subscriber places a USSD request for the Airtime credit service directly by
dialing a code assigned to this service. The money will be recovered the next time one
tops ups.
Airtime Credit
Advance
Debt Collection
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4 Transaction communication:
Msg1: When a potential subscriber applies for the service through a USSD
string, the platform able to notify the subscriber indicating whether or not the
subscriber is eligible to use the service.
Msg2: Details of the Requests, fee charged and actual talk-time credit is
displayed for confirmation.
Msg3: Confirmation of successful credit update to the subscriber account.
Msg4-Msg7: SMS Communication to the subscriber, in case subscriber is not
eligible for the service. E.g. of SMS messages
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5 Accounting
5.1
V Top-Up Account
Revenue Accounting
5.2.1
Revenue Recognition
Bad Debts
Operator can define its own definition of Bas debts in line with the accounting policy
followed by the operator. Generally operators define Bad debts as follows:
Bad debts will be accumulated through the month and calculated at month
end that is anyone with unpaid loan beyond 30 or 60 days 31-60 days is
considered a bad debt at the month end.
Ageing of the bad debt report will be provide every day / month end.
5.2.3
Outstanding Credit
Reports will be provided with daily ageing of the outstanding credit with the
subscribers. Outstanding credit amount after accounting for Bad Debts is
considered as Recoverable.
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6 Reports
Various reports for Credit, Recovery and Subscribers opting in for the
service are generated for marketing, finance & customer care.
7 PROMOTION
Apart from Mass communication in Radio/ TV/ Web, various alternate
methods can be used to communicate the offer based on the customer
balance. Options depend upon the connectivity given with the IN/billing
system/MSC call logs
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2012
8 Technical Architecture
8.1
Technical Diagram
8.1.1
Network Diagram
8.1.2
Functional Diagram
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8.2
Core Module
This module will take the request from request process module and will check the
subscriber profile, eligibility with ARPU and past credit history and validate the
request. Credit Policy Service is responsible for deciding which subscribers qualify
for advance credit and how much they qualify for.
Subscriber Account (SA)
This is repository of all the subscriber information. It maintains the list of the eligible
subscriber, history of airtime credit, eligibility of credit limit, current outstanding
and all the transaction logs for each subscriber.
8.4 Notification Module:
This module will send message to subscriber. The message will send through either
inbuilt SMSC or existing SMSC.
8.5 Reporting Server (RS)
Graphical User Interface that gives in-depth view into the internal working of
lending, recovering, MTOP transactions, financial reconciliation and other types of
reports.
8.6 Customer Care Interface (CC)
Customer care GUI that allows Operator to provide ACS service subscribers with 1st
level customer care service. It will provide all the necessary information on eligibility,
customer request logs, outstanding credit and other details.
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2012
1+1 (redundancy)
Dell Inc.
PowerEdge R610
1U rack
Intel(R) Xeon(R) CPU E5504 @ 2.00GHz ( 8 Cores )
2 PCIe x8 G2 + 2 PCIe x4 G2
3.5 SATA (7.2K): 250GB x 2 (support for 6 drives )
4 x 1 Gigabit ports
Slim optical drive bay with choice of DVD-ROM
RHEL 5.0
MySql
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2012
11 Pricing
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