Financial Services | Airtime Credit Management
A Solution for Secure and Efficient Airtime Distribution
Mobile airtime distribution is the process by which prepaid mobile phone credit is delivered to end-users. This can occur through various channels, moving beyond traditional physical scratch cards to include electronic top-ups via SMS, USSD codes, point-of-sale systems, and online platforms.
Whatever distribution mechanism is used, it is important to offer end-customers an easily accessible and secure solution so that they are always able to load additional airtime when needed. A good solution will minimise revenue leakage for mobile network operators without compromising customer convenience, manage distributor hierarchies and commissions, and offer accurate tracking of transactions to optimise the entire lifecycle of airtime from mobile operator to consumer.
Financial Services Solutions
Airtime Credit Management
Before prepaid subscribers can consume mobile services, they require funds allocated to their profile. The traditional credit distribution model with one or more distributors is expensive due to significant commissions paid to these intermediaries. Furthermore, subscribers sometimes have to travel or go to some expense to access the distributors.
TruTeq offers a range of products that provide numerous ways to get credit onto a subscriber’s profile.
Wallet-based distribution – R2R / R2P
This is a Reseller-to-reseller or reseller-to-person, wallet-based credit distribution system. A multi-tiered platform managing commission payments as the credit is sold down the chain. Anybody with a mobile phone could become a credit reseller.
Airtime Credit Front-end
With USSD’s broad reach and ease of use,
it makes sense to use TruTeq’s flexible and capable USSD front-end to facilitate transactions for both agents and buyers.
Other front-end options are also available from TruTeq, including SMS and Browser based, optimised for mobile and/or PC.
P2P Transfers
One of the easiest ways to distribute credit. First promoted as a way for relatives or friends to top each other up, it became clear that this product is also used by subscribers to resell their own credit.
The A-party typically pays a small fee to the carrier for the transfer.
Voucher Top-Up
Connecting to the carrier’s voucher number database, the TruTeq solution can redeem vouchers using a reserve-commit or a commit-rollback strategy.
When third parties such as banks want to sell credit, they have to be able to perform top-ups via the core network system, best practice is to manage such transactions via a top-up mediation gateway as included in the solution from TruTeq.
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