USSD, a powerful tool in your hands
Unstructured Supplementary Service Data
PRESN TERS:
ALI BAGHAEI
MOHAMAD ALI MAHMOODYAR
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
An introduction of USSD
What is USSD?
Coffee Shop
1.Register 2. Menu 3.Promos 4.Feedback 5.Outlets
M-banking1.Balance
2.Mini-Statement
3.Transfers
4.Payment
5.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
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.
Requireme
nts
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
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.Balance
2.Mini- Statement 3.Transfers 4.Payment 5.More
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#
Case *780#
Case *780#
Case *780#
Case *780#
Break Time…
Iran’s Bank case study
Phone Banking
ینفلت یرادکناب فیراعت
ت قیرط زا ار دوخ تلاماعم دنناوت یم کناب نایترشم هک تسا یکناب تامدخ زا یکی نفل
دنهد ماجنا هژاورذگ کی زا هدافتسا اب کناب هب هعجارم نودب .
- یا هبعش نانآ یکیدزن رد ای و دنرادن ار هبعش هب یروضح هعجارم ناکما هک یدارفا یارب سیوسر نیا دوجو
تسا دنمدوس رایسب درادن .
- هنابش تاعاس يماتم رد هفقو نودب و يا هظحل تروصب هک تسا نياسر علاطا مهم ياه هناماس زا يکي زور
ديانم يم هئارا لياير ياهباسح هيلک صوصخرد ار مزلا تاعلاطا .
- هناماس کی ای و کناب ینابیتشپ لوئسم اب هطساو نودب ساتم کی ینفلت ساتم نیا تسا نکمم دشاب کیتاموتا
دنک یم راک ینفلت یریگ هرماش قیرط زا هک .
-
دیهد ماجنا نفلت طخ کی قیرط زا اهنت ار یکناب تایلمع زا یرایسب ناوت یم کناب نفلت اب
.
تامدخ عاونا
- دوش یم ماجنا تروص ود هب ینفلت یرادکناب تامدخ ام روشک رد :
راک باسح زمر و باسح هرماش اب هک یتامدخ یاه باسح یارب اهنت تامدخ نیا هک دننک یم
تسا کناب نماه مود زمر و باتش تراک هرماش اب هک یتامدخ .
دننک یم راک تراک (
ماتم یارب لاومعم تامدخ نیا
تسا باتش یاه تراک
)
کناب نفلت یاه متسیس عاونا
- دوش یم ماجنا تروص ود هب ینفلت یرادکناب تامدخ ام روشک رد :
راکدوخ ییوگ خساپ ریغ ییوگ خساپ
راکدوخ (
روتارپا
)
یاه متسیس
کناب نفلت
ینفلت یرادکناب یایازم
هنوگ چیه تنشادن یا هنیزه تخادرپ رد تعسر
هعجارم نودب
ددعتم تامدخ یا هدرپس و یکناب ترنیا هب زاین مدع
تن
طخرب تاناکما و و یتینما تاظحلام
ادص صیخشت
تامدخ عاونا
یدوجوم زا علاطا ابش هرماش زا علاطا
درپس تاعلاطا هیارا ه
هجو لاقتنا
اه تراک زا علاطا تراک ندرک دودسم
بتعا تراک هدنورپ یرا
اه کچ تیعضو
تلایهست تایلمع زمر رییغت
ضوبق تخادرپ
اه باسح نیب هلاوح تراک میس ژراش
همیب قح تخادرپ
فعض طاقن یخرب
- نآ یا هدترسگ تامدخ و تنترنیا روضح
- ینفلت یرادکناب رت مک شقن و یکناب تامدخ رود هار زا یاه یسترسد عاونا
- و ادص رب ینتبم یاهدیلک
T9 نفلت دراد یربراک طبار رد تیدودحم و تسا .
-
یکناب تامدخ اب طبترم یلیابوم یاه همانرب اب شترسگ رت مک بیش
Thanks for your attention…
