1. Channel Top-up using USSD for Postpaid Bill Payments & Prepaid recharge

2. 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.

3. 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 & in North Zone from It will start in remaining two zones by
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 and another dated available on Intranet

4. 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 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

5. 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

6. 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

7. USSD Menu Flow

8. USSD Menu Flow(CTOPUP)

12. USSD Menu Flow(PAY BILLS)

16. USSD Menu Flow(BILL ENQUIRY)

18. USSD Menu Flow(Self Care)

19. Menu Flow(Move Stock)

21. USSD Menu Flow(Check Stock)

22. USSD Menu Flow(Plan Details)

26. USSD Menu Flow(Change MPIN)

28. THANK YOU