Subscribers have become obsessed with being connected at all times. It is one of their greatest concerns. You cannot be sure that you are connected unless you can top-up your mobile account at any time. Given that payment kiosks are often out of reach, online services are unavailable unless you have an internet connection and SMS commands cannot be sent unless your balance is not below a certain limit, it might be quite a challenging task. Add to this the fact that almost every subscriber today has more than one mobile device (modems, tablets, sat navs and other smart devices), with each of them having a SIM card in it, a number and, hence, an account that has to be refilled on a regular basis.
When a subscriber sets up account refills with a debit or credit card, the subscriber’s phone number gets linked to the card’s number at the level of the telecom operator’s IT infrastructure (Figure 1). The bank card number is registered in the operator’s service profile database, with subscribers being able to refill their mobile device accounts instantly via any self-service interfaces (SMS, USSD, IVR, a self-service portal) even when they have a zero balance.
In addition, subscribers can limit the amount that can be charged to their bank cards by setting a certain value (for example, not more than 1,000 rubles per day). As part of the refill service, the operator can also enable subscribers to set up auto refills; the auto refill option allows subscribers to have their mobile device accounts refilled upon reaching a certain predefined threshold (subscribers can set up a different auto refill threshold and amount for each phone number they might have).
The UNIPAY-based implementation of the refill service includes support for the protocols of Russia’s leading acquiring banks like GazpromBank and Raiffeisenbank. The solution can handle multiple acquiring banks at a time. In addition, the UNIPAY solution meets the PCI DSS requirements as to bank card data processing and storage.
The UNIPAY-based auto refill service allows subscribers to set up automated mobile device account refills upon reaching a predefined threshold. With this service, subscribers do not have to worry about staying connected; the only thing they need to do is to set up the auto refill option for each of their phone numbers by specifying a balance threshold for refills. Money for refills can be provided with bank cards, e-wallets or e-accounts; the payment mean itself is not registered in the UNIPAY database
A subscriber can activate the service for one or more mobile numbers and set up a different threshold and auto refill amount for each device (phone number). The main benefit of the auto refill service for subscribers is that once they set up a balance threshold and a payment amount they don’t have to look for a payment kiosk, send any USSD or SMS commands, make any promised payments or check the account balances of their various devices (modems, tablets, sat navs), as their accounts will be refilled automatically, and they will always have access to the telecom operator’s services.
Maintaining and increasing subscriber loyalty and the quality of service through an extended set of financial tools for users
Increased ARPU and reduced accounts receivables
Ready-to-use web-based interfaces and an API for developing customized customer care and self-service interfaces