USSD, a powerful tool in your hands - KNTU · 2015. 11. 15. · An introduction of USSD What is USSD? A Presentation in K. N. Toosi University of Technology 4 Coffee Shop 1.Register

USSD, a powerful tool in your hands

Unstructured Supplementary Service Data

PRESNTERS:

ALI BAGHAEI

MOHAMAD ALI MAHMOODYAR

Course of E-Banking At KNTU by Dr. M. Hosseini

E-Banking Course Presentation in KNTU

USSD in Electronic Banking Management

1. What is USSD? (Introduction)

2. How it Works?

3. Advantages of USSD

4. Limitations of USSD

5. Features & Requirements of USSD

6. Applications of USSD

7. Challenges of USSD

8. Example- USSD Banking

A Presentation in K. N. Toosi University of Technology3

An introduction of USSD

What is USSD?


Coffee Shop

1.Register2. Menu3.Promos4.Feedback5.Outlets

M-banking

1.Balance2.Mini-Statement3.Transfers4.Payment5.More

An introduction of USSD

What is USSD?

- USSD, Stands for “Unstructured Supplementary Service Data”

- It Allows a 2-way exchange of data by sending text message between a

mobile phone and an application program known as USSD gateway by

using any simple GSM mobile phone

- It can be used for menu based information services

- It’s messages are up to 182 alphabetic characters in length


It is a GSM technology used to send

text between a mobile & apps in the

network.

Enables session based communication

between application server at the

network side and the mobile user.

USSD information is sent directly from

a sender’s mobile handset to an

application platform handling the USSD

service.

The connection remains open, allowing

a two-way exchange of a sequence of

data.

The user composes a message—

usually rather cryptic—on the phone

keyboard.

USSD is real-time, menu driven and

interactive

How it works?What are the main features of USSD and how does it work?


USSD Statistics


(Source: Mobile Money Staate of the Industry 2014, GSMA).

2009 2014

USSD technology has experienced a renaissance with the recent sharp rise of mobile

money initiatives worldwide.

Number of mobile money initiatives has grown an astonishing 670%

Out of the 255 currently active mobile money initiatives, 86% of them are USSD driven

USSD Components


USSD Advantages

Easy Access Responsiveness Smoother Info. Flow

People more productive

Intelligence Processes

Satisfied Customers


USSD Advantages

- The USSD technology is supported by

most phone models

- Over 90% of the global GSM network

infrastructure and almost all of the mobile

phones available today support

transportation of USSD messages.

- USSD has no dependency on OS types

- USSD is real-time, menu driven and

interactive

- USSD messages are not stored on the

mobile phone

- Easy to navigate, no need to remember

any keywords, URLs, etc.

- Real-time and instant messaging service

capability - up to seven times faster than

SMS for two-way transactions

- Supports menu-based applications

facilitating more user interactions

- USSD services available on the home

network are also accessible while

roaming. Unlike SMS, there are no

charges for this.


USSD application

is developed only

for updating the

services and not

for registration of

new beneficiaries.

USSD Gateway is

‘Operator

Dependant’

Can not redialed, but

can save in contact list

(it is like dialing

‘Balance Enquiry’ for

the mobile)

Session opens for 3

minutes and allows 30

seconds to response

for each screen

The maximum length

of a USSD message (a

USSD message is

what one sees on the

handset when he

enters a USSD

service) is 160 bytes

USSD Limitation


Features

USSD Req. & Fea.

Requirements


powerpoint

- A text message is first sent to a sender’s Short Message Service Center (SMSC) before the SMSC

tries to deliver the text message to the recipient. The sender receives an indication of whether the

text was successfully received by the SMSC; however, the text message is not guaranteed to reach

the recipient instantly.

- Unlike Short Message Service (SMS) messages, USSD messages create a real-time connection

during a USSD session. The connection remains open, allowing a two-way exchange of a sequence

of data. This makes USSD more responsive than services that use SMS.

Diff. to SMS


USSD Format


A typical USSD message starts with an asterisk (*) followed by digits

that comprise commands or data. Groups of digits may be separated

by additional asterisks. The message is terminated with a number

sign (#)

Example USSD codes

*780#

*139*1*1234567890#

*780#

App. Of Service


USSD Applications


USSD Applications


Multiple components and multiple

entities to deal with – no one stop

shop solution

Multiple Mobile Platforms and the

costs associated with mobile apps

development across Platforms

connecting to all the mobile

operators in a single country, so

as to be able to provide USSD-

based services to the entire

subscriber base

Application development costs

and the ongoing updates and

modifications

USSD Challenges


powerpoint

Communication

MS initiates USSD communication by entering

Man Machine Interface(MMI) strings, which

contain service code and service information

related to desired service.

Any network entity is able to start a USSD

communication with an MS. Network initiated

communication is started manually by an

application under the control of network operator

or a kind of event catcher.


powerpoint

Areas of Use

Information check applications,

such as news, weather,

horoscope

Balance check Bank applications,

such as money transfer, account

check

Mobile ticket application, such as

buying train and concert tickets

Advertisement applications,

such as the operator can

advertise a product on the

name of a company

Subscriber information

applications, such as subscriber

is informed after each call in

order to indicate remaining

balance

powerpoint

Subscription based applications,

such as the subscriber may sub-

scribe a sport event and it is

informed if any status change in

the event occurs

Instant messaging applications,

the subscriber may login/logout a

chat application and send/receive

messages



Architecture

USSD center is a gateway between the GSM signaling network (SS7) and service

applications.

Architecture

MMI: Man-Machine Interface

MAP: Mobile Application Part


Uses


- When a user sends a message to the phone company network, it is received by a

computer dedicated to USSD. The computer's response is sent back to the phone,

generally in a basic format that can easily be seen on the phone display. Messages sent

over USSD are not defined by any standardization body, so each network operator can

implement whatever is most suitable for its customers.

- Application hides the details of the USSD protocol from the user.

- USSD is sometimes used in conjunction with SMS. The user sends a request to the

network via USSD, and the network replies with an acknowledgement of receipt:

"Thank you, your message is being processed. A message will be sent to your phone."

Reply

1.Balance2.Mini-

Statement3.Transfers4.Payment

5.More

HLR: Home Location Register


Examples of USSD Banking

Bank Code Bank Code

Ayande *745# Gardeshgari *764#

Ansar *763# Maskan *714# and *737#

Parsian *708# Mellat *712#

Pasargad *720# Melli *717#

Hekmat *765# Post Bank *747#

Refah *729# Asan Pardakht (App) *733#

Sina *727# Jiring *123#

Shahr *787# Baje Irancell *100#

Saderat *719# Saman *724#

San’at O Ma’dan *711# Pardakht Novin Aryan *780#

Keshavarzi *730# Kosar *744#


Case *780#

A Presentation in K. N. Toosi University of Technology

Case *780#


Case *780#


Case *780#


Case *780#



Break Time…

Iran’s Bank case study

Phone Banking

تعاریف بانکداری تلفنی


لفن یکی از خدمات بانکی است که مشرتیان بانک می توانند معامالت خود را از طریق ت.بدون مراجعه به بانک با استفاده از یک گذرواژه انجام دهند

وجود این رسویس برای افرادی که امکان مراجعه حضوری به شعبه را ندارند و یا در نزدیکی آنان شعبه ای-.ندارد بسیار سودمند است

روز يکي از سامانه هاي مهم اطالع رساين است که بصورت لحظه اي و بدون وقفه در متامي ساعات شبانه-.اطالعات الزم را درخصوص کليه حسابهاي ريايل ارائه مي منايد

اتوماتیک باشد ممکن است این متاس تلفنی یک متاس بدون واسطه با مسئول پشتیبانی بانک و یا یک سامانه-.که از طریق شامره گیری تلفنی کار می کند

.با تلفن بانک می توان بسیاری از عملیات بانکی را تنها از طریق یک خط تلفن انجام دهید-

انواع خدمات


:در کشور ما خدمات بانکداری تلفنی به دو صورت انجام می شود-

خدماتی که با شامره حساب و رمز حساب کار می کنند که این خدمات تنها برای حساب های

.هامن بانک استخدماتی که با شامره کارت شتاب و رمز دوم

این خدمات معموال برای متام )کارت کار می کنند (کارت های شتاب است

انواع سیستم های تلفن بانک


:در کشور ما خدمات بانکداری تلفنی به دو صورت انجام می شود-

پاسخ گویی خودکارپاسخ گویی غیر

(اپراتور)خودکار

تلفن بانکسیستم های


مزایای بانکداری تلفنی


نداشنت هیچ گونههزینه ای

رسعت در پرداخت بدون مراجعه

خدمات متعدد بانکی و سپرده ای

نت عدم نیاز به اینرت و امکانات برخط

مالحظات امنیتی وتشخیص صدا

انواع خدمات


انتقال وجههارایه اطالعات سپرداطالع از شامره شبااطالع از موجودی

وضعیت چک هااریپرونده کارت اعتبمسدود کردن کارتاطالع از کارت ها

پرداخت قبوضتغییر رمزعملیات تسهیالت

پرداخت حق بیمهشارژ سیم کارتحواله بین حساب ها

برخی نقاط ضعف


حضور اینرتنت و خدمات گسرتده ای آن-انواع دسرتسی های از راه دور خدمات بانکی و نقش کم تر بانکداری تلفنی-.است و محدودیت در رابط کاربری داردتلفن T9کلیدهای مبتنی بر صدا و -شیب کم تر گسرتش با برنامه های موبایلی مرتبط با خدمات بانکی-


Thanks for your attention…

Documents

USSD, a powerful tool in your hands - KNTU · 2015. 11. 15. · An introduction of USSD What is USSD? A Presentation in K. N. Toosi University of Technology 4 Coffee Shop 1.Register