WO2007120117A2 - Method and system for providing credit to subscribers of a pre-paid service provided by a telecommunications network - Google Patents
Method and system for providing credit to subscribers of a pre-paid service provided by a telecommunications network Download PDFInfo
- Publication number
- WO2007120117A2 WO2007120117A2 PCT/SG2007/000105 SG2007000105W WO2007120117A2 WO 2007120117 A2 WO2007120117 A2 WO 2007120117A2 SG 2007000105 W SG2007000105 W SG 2007000105W WO 2007120117 A2 WO2007120117 A2 WO 2007120117A2
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- WIPO (PCT)
- Prior art keywords
- credit
- subscriber
- operator
- facilitator
- extended
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Classifications
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
Definitions
- This invention relates to telecommunications services and in particular to the provision of mobile phone services to subscribers of a pre-paid service.
- Post-paid subscription involves the provision of a service to a subscriber, who is billed after such service has been rendered.
- the subscriber is billed periodically, e.g., monthly.
- the subscriber typically pays an agreed fixed fee plus a variable amount based on consumption over the covered bill period. Because payment is due after the service is rendered, subscribers are screened by the provider based on financial credit capacity. Further, subscribers typically sign contracts covering a minimum subscription term equivalent to several billing periods (e.g., in the case of monthly billing, a minimum term of one (1) or two (2) years).
- Pre-paid subscription involves the purchase by the subscriber of "usage credits" before being granted access to a service.
- the provider then provides the service to the subscriber, up to a certain limit, determined by the amount of usage credits purchased by the subscriber.
- the subscriber is able to "top-up" a pre-paid subscription account by purchasing additional usage credits in the manner provided by the service provider. Because a subscriber pays before the service is provided, there is typically no need to verify the subscriber's financial credit capacity. Further, no minimum term is imposed on the subscription.
- post-paid subscription necessarily involves a contract and a check of a subscriber's financial credit capacity
- providers typically continue providing the service even in cases when the subscriber is proficients in settling a bill. Effectively, the provider extends credit (in terms of access to the service) to the delinquent subscriber.
- the subscriber may be allowed access to the service after one or several consecutive missed payments before disconnection of the service. Additionally, late payments may be penalized with additipnal fees.
- this extension of credit is an expression of flexibility on the part of the service provider; in the event the subscriber is unable for whatever reason to settle a bill on time, it is no reason to leave the provider or discontinue use of the service. Outstanding bills are settled as soon as possible (within set limits).
- pre-paid subscribers are provided a service only up to the extent allowed by their pre-purchased ' usage credits. Once these usage credits are depleted to the point of insufficiency, service is immediately but temporarily cut off. Service is reinstated only upon replenishment of a subscriber's usage credits. Typically, if a pre-paid subscription is left " with zero usage credits for a specified amount of time, the subscription is permanently cancelled and cannot be reinstated. This poses a problem for mobile telecommunications providers, particularly those operating in markets where pre-paid subscriptions dominate the subscriber base. Such markets normally exist in developing countries where the majority of the population is "un-bankable" or unqualified for post-paid subscriptions in terms of financial credit capacity.
- the present invention provides a business method to address this problem, with minimum or no risk to the mobile telecommunications service provider.
- This invention it is possible to dynamically extend credit to pre-paid subscribers.
- the benefits for providers are an increase in subscriber loyalty, a decrease in subscriber "churn" (the act of leaving a provider for its competitor, or dropping use of the service altogether, whether voluntarily or otherwise) and ultimately higher revenues.
- Pre-paid subscribers are given part of the benefits enjoyed by post-paid subscribers, such as the ability to use the service even when usage credits are depleted.
- credit includes both load or monetary value that may be applied against any or all of the services provided by a mobile telecommunications provider, or a measured quantity of access to all or some services, such as- for example, five SMS messages.
- dynamic credit this refers to the extent of credit that may be allocated to a particular subscriber based on their credit worthyness based on factors such as their pre-paid usage history, and usage history of the credit system of the invention, itself.
- a system for providing credit to subscribers of a pre-paid service provided by a telecommunications network provider said system including a facilitator in communication with said telecommunications network provider and having access, to information relating to one or more subscribers; where said facilitator is arranged to receive a low balance message from said telecommunications network provider when a said subscriber balance reaches a predetermined level, said low balance message including subscriber identity data; where on receipt of said low balance message, said facilitator accesses credit rating data pertaining to said subscriber to determine whether credit is to be extended to the subscriber, and if credit is to be extended, said facilitator communicates a credit message to said telecommunications network provider; whereafter if credit is accepted or not refused by said subscriber, said facilitator updates transaction data pertaining to said credit against particulars of said subscriber to whom said credit has been extended; where said facilitator receives a credit top-up message from said telecommunications network provider when said subscriber has paid for further prepaid services with said telecommunications network provider and desires to
- While the facilitator in said system is intended to be stand-alone to said telecommunications network provider as a . third party service provider, said facilitator may be incorporated within said telecommunications network provider in an integrated manner.
- this message may be communicated directly to said subscriber by the telecommunications network provider, or may be reformulated by said telecommunications network provider for customisation purposes. The latter might be desirable where the. facilitator is providing credit facilities to more than one said telecommunications network provider.
- said facilitator determines the credit value to be extended to said subscriber and communicates the credit value in said credit message.
- the credit message sets out the amount of credit to be extended and the terms.
- Preferably said credit message is communicated to said subscriber via said telecommunications network provider.
- SMS short message service
- said facilitator stores subscriber profile information from which a weighting may be derived to calculate a credit rating for any said subscriber.
- said information includes subscriber profile information from which a weighting may be derived to calculate a credit rating for any said subscriber.
- subscriber profile information includes information selected from subscriber expenditure as a function of time, the frequency that credit is provided, and average time to repay credit.
- the telecommunications network provider may determine which services are available to said subscribers when said subscribers are using credit provided through the facilitator.
- said facilitator communicates a credit extended message to advise that credit has been extended to said subscriber to said telecommunications network provider.
- said system is operated in a manner that subscribers can opt-in to automatically have credit extended to a said subscriber when said facilitator receives a said low balance message, said facilitator recording affirmative opt-in status against particulars of said subscriber; where when said facilitator receives said low balance message, said facilitator accesses credit rating data and opt-in status pertaining to said subscriber to determine whether credit can be extended to the subscriber, and if credit can be extended, said facilitator communicates a credit message to advise that credit has been extended to said subscriber to said telecommunications network provider, and said facilitator updates transaction data pertaining to said credit against particulars of said subscriber to whom said credit has been extended.
- a method for providing credit to subscribers of a pre-paid service provided by a telecommunications network provider including providing a facilitator in communication with said telecommunications network provider and having access to information relating to one or more subscribers; where said telecommunications network provider sends a low balance message to said facilitator when a said subscriber balance reaches a predetermined level, said low balance message including subscriber identity data; where on receipt of said low balance message, said facilitator accesses credit rating data pertaining to said subscriber to determine whether credit is to be extended to the subscriber, and if credit is to be extended, said facilitator communicates a credit message to said telecommunications network provider, at least the substance of which is communicated to said subscriber; whereafter if credit is accepted or not refused by said subscriber, said facilitator updates transaction data pertaining to said credit against particulars of said subscriber to whom said credit has been extended; and where said telecommunications network provider sends a credit top-up message to said facilitator when said subscriber has paid for further
- the credit message may be a credit proposal message, requesting confirmation from the subscriber that they require credit to be extended to them, or requesting confirmation from the subscriber that they do not require credit to be extended to them.
- the facilitator in this method may be either stand-alone to the telecommunications network provider as a third party service provider, or may be incorporated within said telecommunications network provider in an integrated manner.
- this message may be communicated directly to said subscriber by the telecommunications network provider, or may be reformulated by said telecommunications network provider for customisation purposes. The latter might be desirable where the facilitator is providing credit facilities to more than one said telecommunications network provider.
- said facilitator determines the credit value to be extended to said subscriber and communicates the credit value in said credit message.
- the credit message sets out the amount of credit to be extended and the terms.
- said credit message is communicated to said subscriber via said telecommunications network provider.
- SMS short message service
- said facilitator stores subscriber profile information from which a weighting may be derived to calculate a credit rating for any said subscriber.
- said information includes subscriber profile information from which a weighting may be derived to calculate a credit rating for any said subscriber.
- subscriber profile information includes information selected from subscriber expenditure as a function of time, the frequency that credit is provided, and average time to repay credit
- the telecommunications network provider may determine which services are available to said subscribers when said subscribers are using credit provided through the facilitator.
- said facilitator communicates a credit extended message to advise that credit has been extended to said subscriber to said telecommunications network provider.
- said method is operated in a manner that subscribers can opt-in to automatically have credit extended to them when the facilitator receives a said low balance message, said facilitator recording affirmative opt-in status against particulars of said subscriber; where when said facilitator receives said low balance message, said facilitator accesses credit rating data and opt-in status pertaining to said subscriber to determine whether credit can be extended to the subscriber, and if credit can be extended, said facilitator communicates a credit message to advise that credit has been extended to said subscriber to said telecommunications network provider, and said facilitator updates transaction data pertaining to said credit against particulars of said subscriber to whom said credit has been extended.
- the embodiment is a business method implementation that enables mobile telecommunications service providers to extend dynamic credit to their pre-paid subscribers, based on individual usage history.
- the method is implemented by a third party facilitator utilising server technology which has software integrated with the software systems of the telecommunications network provider.
- the facilitator extends a credit service using the system and method of the embodiment to subscribers of the telecommunications network provider, via the telecommunications network provider.
- Dynamic credit refers to the issuance of credit with limits specific to each subscriber. Dynamic credit (or dynamically determined credit) is determined for a specific pre-paid subscriber based on individual usage history. A weighted average determination method may be used to arrive at individual credit limits. Usage history is built through tracking of pre-paid subscriber behaviour, which may include amount and frequency of top-up, frequency of occurrence of zero balance episodes, and .usage of the dynamic crediting service itself. Hence, a pre-paid subscriber's credit worthiness may be continually evaluated and may result in varying limits of credit over time.
- Such extended credit can be in the form of usage credits ascribed to the availing subscriber's account (e.g., 10 usage credits), or a measured quantity of access to the provider's services (e.g., 5 SMS messages).
- usage credits e.g. 10 usage credits
- a measured quantity of access to the provider's services e.g., 5 SMS messages.
- usage credits being ascribed to the subscriber's account
- extended credit can be applicable, for use in accessing any of the services of the provider, or limited to selected services (e.g., 10 usage credits for voice calls and SMS messaging, but not . data services).
- the following is a description of the method by which dynamic credit is extended to a pre-paid subscriber.
- the facilitator performs a check of a pre-paid subscriber's credit worthiness.
- the facilitator may also assume the role of guarantor of credit dynamically extended to pre-paid subscribers availing of the credit extension.
- the method has the following process steps:
- the telecommunications network provider's pre-paid system Upon depletion of a pre-paid subscriber's account (i.e., when said account runs down to zero credits), the telecommunications network provider's pre-paid system informs the facilitator's crediting system of such depletion.
- the facilitator's crediting system verifies that the pre-paid subscriber is creditworthy and dynamically determines the amount of credit to which the prepaid subscriber is entitled.
- the facilitator's crediting system Upon successful verification and dynamic determination of credit entitlement, the facilitator's crediting system informs the subscriber of the possibility of availing of the determined amount of credit.
- the facilitator's crediting system Upon receiving confirmation from the pre-paid subscriber that such credit is desired, the facilitator's crediting system does either of the following:
- a Tops up the pre-paid subscriber's account with usage credits equivalent to the determined entitlement; or, b. Instructs the provider's pre-paid system to allow the pre-paid subscriber to access all or selected services of the provider up to a limit based on the determined credit entitlement.
- the pre-paid subscriber is informed of the successful extension of credit and is able to continue accessing all or selected services until such extended credit is itself depleted.
- the provider's pre-paid system informs the facilitator's crediting system of the top-up. 7
- the facilitator's crediting system checks whether the pre-paid subscriber has been extended credit that has yet to be settled, and debits whatever amount is pending (composed of the credit extended plus any applicable service . fees and/or interest payments) from the top-up amount.
- the provider's pre-paid system tops up the prepaid subscriber's account with the resulting balance.
- Step 1 The process may subsequently be repeated from Step 1.
- Step 1 in the process described above can be modified to have the provider's, pre-paid system communicate to the facilitator's crediting system an impending depletion instead of a total depletion of a pre-paid subscriber's account.
- the provider's pre-paid system can inform the facilitator's crediting system when the said account contains less than a specified threshold of usage credits, e.g., when the subscriber has only 2 credits left.
- a specified threshold of usage credits e.g., when the subscriber has only 2 credits left.
- this will allow the dynamic credit service to be possible even for mobile telecommunications service providers who completely disconnect subscribers whose accounts contain zero credits, even from typically free services such as operator calls.
- Step 2 involves a dynamic credit determination mechanism on the part of the facilitator.
- Such mechanism may be based on various business rules and formulas, such as a weighted moving average of the specific pre-paid subscriber's related usage statistics.
- Step 3 in the process described above can be modified such that credit is extended automatically, with no confirmation required from the pre-paid subscriber if the latter agrees to such automatic extension.
- Step 4a it is necessary for the facilitator to have an agreement with the- mobile telecommunications service provider that it is authorized to issue top- up commands to the latter's pre-paid system, or must itself have an account with the service provider from which it can transfer usage credits to pre-paid subscriber accounts.
- Step 4b it is necessary for the facilitator to have an agreement with the mobile telecommunications service provider that it is authorized to issue instructions to the latter's pre-paid system, and that such pre-paid system is capable of allowing limited access to selected services to specific pre-paid subscribers, in spite of said subscriber's account containing zero usage credits.
- Steps 6 and 7 the top-up operation can occur after or before depletion of the dynamically extended credit.
- the process will proceed in the same manner. That is, the amount used to top-up is debited the corresponding dynamic credit amount extended (plus possible service fees and interest) before it is credited to the pre- paid subscriber's account.
- Steps 6 to 8 constitute the settlement process, whereby the pre-paid subscriber effectively pays the facilitator for the dynamically extended credit of usage credits or limited service access.
- An interface must exist between the facilitator's crediting system and the mobile telecommunications service provider's pre-paid system. Such interface will require that the pre-paid system of the mobile telecommunications service provider issues notifications to the crediting system of the facilitator based on specific events such as the depletion of a pre-paid subscriber's account and the top-up of a pre-paid subscriber's accounts. Further, the pre-paid system must accept specific instructions from the crediting system, such as the top-up of a pre-paid subscriber's account or granting of limited access to a pre-paid subscriber with zero credits, and the debiting of an account during a top-up operation.
- Pre-paid subscriber A (“Subscriber A”) makes a phone call and uses up all her credits.
- the mobile telecommunications service provider's (the "Provider") pre-paid system flags Subscriber A's account as. having zero credits and sends a notice of the zero balance episode to the facilitator's (the "Facilitator”) crediting system.
- the Facilitator's crediting system checks the usage history of Subscriber A. It finds out that Subscriber A has availed of the dynamic credit extension service several times in the past and on average tops up (and effectively pays for the credit extended) within 24 hours of availing of the service. Additionally, Subscriber A's average top-up amount is 100 usage credits. In view of this record, the Facilitator's crediting system determines that Subscriber A is entitled to a credit of 15 usage credits, instead of the usual 5 usage credits extended to new or undependable users of the service.
- the Facilitator's crediting system sends an SMS message to Subscriber A, informing her of the depletion of her account, and offers to extend a credit of 15 usage credits, to be settled via automatic debit of 20 usage credits on her next top-up operation.
- the Facilitator's crediting system instructs the Provider's pre-paid system to top up Subscriber A's account with 15 usage credits, to be charged to the previously set up Facilitator's account with the Provider.
- the Facilitator's crediting system logs the completed credit extension transaction as part of Subscriber A's usage history.
- 9 Subscriber A continues to use her mobile phone and uses up 10 usage credits.
- Subscriber A is left with 5 usage credits from the 15 extended to her, when she purchases a top-up card worth 50 usage credits and performs a top-up operation.
- the Provider's pre-paid system informs the Facilitator's crediting system that Subscriber A is performing a top-up operation involving 50 usage credits.
- the Facilitator's crediting system checks its record of outstanding collections on dynamically extended credit, and finds that Subscriber A has availed of 15 usage credits to be paid with 20 usage credits upon next top-up.
- the crediting system instructs the pre-paid system to debit 20 credits from the 50 ⁇ credits being topped up, in favour of the previously set up Facilitator account with the Provider.
- the Provider's pre-paid system performs the debiting operation, and informs the Facilitator's crediting system of successful crediting of 20 credits to the latter's account, and a resulting top-up of 30 usage credits for Subscriber A's account.
- the Facilitator's crediting system Upon receiving settlement confirmation from the Provider's pre-paid system, the Facilitator's crediting system sends an SMS to Subscriber A, informing her of successful payment of the extended credit, and that her resulting credit is 35 usage credits,
- the Facilitator's crediting system logs the completed settlement transaction as part of Subscriber A's usage history.
- Step 3 above illustrates a basic determination of credit entitlement.
- a credit determination mechanism separate from the dynamic crediting system may be used, resulting in credit ratings for each availing subscriber.
- the crediting system evaluates credit entitlement based on this credit rating. For example, an "A" credit rating might be equivalent to the extension of maximum credit (e.g., 15 usage credits), whereas a "D" credit rating might be equivalent to no extension of credit.
Abstract
Description
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SG200602349 | 2006-04-19 | ||
SG200602349-3 | 2006-04-19 |
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WO2007120117A2 true WO2007120117A2 (en) | 2007-10-25 |
WO2007120117A9 WO2007120117A9 (en) | 2009-08-06 |
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PCT/SG2007/000105 WO2007120117A2 (en) | 2006-04-19 | 2007-04-19 | Method and system for providing credit to subscribers of a pre-paid service provided by a telecommunications network |
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Cited By (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2008067165A1 (en) * | 2006-11-30 | 2008-06-05 | Motorola, Inc. | Prepaying usage time for another communication device |
WO2011033144A1 (en) | 2009-09-18 | 2011-03-24 | Francisco Manuel Ferro Morado | Method and system for optimizing the efficiency with which telecommunication network resources are used |
US20110145086A1 (en) * | 2009-12-15 | 2011-06-16 | Zonamovil, Inc. | Methods, apparatus, and systems for supporting purchases of goods and services via prepaid telecommunication accounts |
US10547497B1 (en) * | 2015-12-31 | 2020-01-28 | Netcracker Technology Corp. | Methods and systems for providing predictive rating using a buffer |
US10827079B1 (en) | 2015-12-31 | 2020-11-03 | Netcracker Technology Corp. | Methods and systems for reducing data traffic flow between a network and an online charging system |
WO2022008967A1 (en) * | 2020-07-07 | 2022-01-13 | Channel Technologies Fze | Network usage product provisioning via a mobile wallet platform |
US11295358B1 (en) | 2014-08-13 | 2022-04-05 | Netcracker Technology Corp. | Systems and methods for generating and presenting an electronic bill in a bill timeline view |
-
2007
- 2007-04-19 WO PCT/SG2007/000105 patent/WO2007120117A2/en active Application Filing
Cited By (10)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2008067165A1 (en) * | 2006-11-30 | 2008-06-05 | Motorola, Inc. | Prepaying usage time for another communication device |
US8472598B2 (en) | 2006-11-30 | 2013-06-25 | Motorola Mobility Llc | Prepaying usage time for another communication device |
WO2011033144A1 (en) | 2009-09-18 | 2011-03-24 | Francisco Manuel Ferro Morado | Method and system for optimizing the efficiency with which telecommunication network resources are used |
US20110145086A1 (en) * | 2009-12-15 | 2011-06-16 | Zonamovil, Inc. | Methods, apparatus, and systems for supporting purchases of goods and services via prepaid telecommunication accounts |
US20110145140A1 (en) * | 2009-12-15 | 2011-06-16 | Zonamovil, Inc. | Methods, apparatus, and systems for supporting purchases of goods and services via prepaid telecommunication accounts |
US8799092B2 (en) | 2009-12-15 | 2014-08-05 | Zonamovil, Inc. | Methods, apparatus, and systems for supporting purchases of goods and services via prepaid telecommunication accounts |
US11295358B1 (en) | 2014-08-13 | 2022-04-05 | Netcracker Technology Corp. | Systems and methods for generating and presenting an electronic bill in a bill timeline view |
US10547497B1 (en) * | 2015-12-31 | 2020-01-28 | Netcracker Technology Corp. | Methods and systems for providing predictive rating using a buffer |
US10827079B1 (en) | 2015-12-31 | 2020-11-03 | Netcracker Technology Corp. | Methods and systems for reducing data traffic flow between a network and an online charging system |
WO2022008967A1 (en) * | 2020-07-07 | 2022-01-13 | Channel Technologies Fze | Network usage product provisioning via a mobile wallet platform |
Also Published As
Publication number | Publication date |
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WO2007120117A9 (en) | 2009-08-06 |
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