Channel Top-upusing USSD

forPostpaid Bill Payments &

Prepaid recharge

Background

Collection of postpaid bills through Ctopup (Franchisee & Retailers) named as USSD-Ctopup

Existing Ctopup uses OTA system for encryption of messages (SMS) and requires Ctopup menu to be burnt on SIM card. It was thus limited to pre-paid transactions.

Additional menu to be burnt in Ctopup SIMs, if same is to be upgraded to enable for postpaid bill payments but:-

Space restrictions on the current Ctop Up SIM’s

Updating menu in working retail chain a big challenge

However, new C-topup SIMs can be purchased by Circles with menu burnt for both (Prepaid & Postpaid) and can co-exist.

USSD Ctopup

Payment of GSM & CDMA postpaid bills will be started first followed by that of WiMax & Landline bills

It is live in East Zone with effect from 14-8-2012 & in North Zone from 31-8-2012. It will start in remaining two zones by 25-9-2012.

New system i.e. USSD based C-topup will work in addition to existing OTA based Ctopup & hence procedure of stock allocation, reconciliation etc. will remain unchanged

Franchisee channel could use any method (USSD or OTA) for each transaction (for prepaid or postpaid)

Guidelines vide No. MOB-17/C-Topup-2010/57 dated 12-7-2012 and another dated 23-8-2012 available on Intranet

USSD- Ctopup

Common Wallet of Franchisee/ Retailers for both Prepaid (CtopUp) & Postpaid (CBP) transactions

Differential commission rate :

Prepaid : 5.5% of transacted value

Postpaid : 1.25% or Rs. 5 per bill, whichever is lower

Franchisee will continue to get upfront prepaid commission @5.5% at the time of stock purchase

System will deduct excess commission paid (5.5%- 1.25%) from Franchisee wallet for each CBP transaction done by his/her retailers

Franchisee can adjust such recovered commission amount from Retailers while recouping their stock in person or through FOS

Post-paid bill payment- Additional business for POS

Franchisee MIS available through Sancharsoft VPN & accessible to Franchisees to show Retailer-wise recoverable amount for each Franchisee.

Circles will deduct excess TDS (on difference of commission) for postpaid transactions from the TDS amount already deposited with TAX authorities at the time of initial stock transfer, based on report from CBP-Ctopup system

Similarly, Circles will deduct excess Service Tax (on difference of commission) for postpaid transactions from the TDS amount already deposited with TAX authorities at the time of initial stock transfer, based on report from CBP-Ctopup system

How USSD based Ctopup works

Ctop up retailer to dial *222*<Ctopup M-Pin># to initiate a transaction

USSD server will capture the CLI of the retailer, validate the M-Pin with Ctop up system

On successful validation, main menu will be pushed else an error message will be flashed

Wallet of Retailer will be debited for the payment amount & wallet of concerned Franchisee will be debited for difference of commission amount

Short formats are available for a quick access to the sub-menus

Snapshot of screens is given in subsequent slides

USSD Menu Flow

USSD Menu Flow(CTOPUP)

USSD Menu Flow(PAY BILLS)

USSD Menu Flow(BILL ENQUIRY)

USSD Menu Flow(Self Care)

Menu Flow(Move Stock)

USSD Menu Flow(Check Stock)

USSD Menu Flow(Plan Details)

USSD Menu Flow(Change MPIN)

THANK YOU