A system and method for connecting a first subscriber, being a prepaid mobile subscriber, to a second subscriber are described. The method includes, in a mobile telephone network, detecting a call initiation attempt by the first subscriber, having an insufficient prepaid mobile balance, trying to call the second subscriber. The method includes connecting a call between the first subscriber and the second subscriber despite the insufficient prepaid mobile balance. A duration of the call is limited in terms of call duration limit data. Responsive to termination of the call, call detail information is determined, including a first parameter associated with the call. The first parameter is stored in a first field associated with the first subscriber. The first field provided for querying to trigger recovery of a value associated with the call upon an inflow of funds in favour of the first subscriber.
A system and method for integrated cross-platform account management is provided. A method includes generating one or more repayment instructions which instruct repayment of at least part of a cash loan. Each instruction includes a source amount and a repayment source indicator indicating either a subscriber wallet account maintained by a mobile wallet platform or a subscriber network usage account maintained by an intelligent network (IN) of a mobile network operator (MNO) as a source account for repayment. The method further includes initiating a transfer of funds from the one or more source accounts to a recovery account for a repayment amount equal to the sum of the one or more source amounts to effect repayment of at least part of the cash loan.
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
3.
SYSTEM AND METHOD FOR REMOTE PROVISION, DISBURSEMENT AND COLLECTION OF SECURED LOANS
A system and method for remote provision, disbursement and collection of secured loans are provided. A method includes receiving a loan registration request including a consumer identifier associated with a consumer record and with a communication device identifier which uniquely identifies a communication device. The method includes interacting with a software module executing on the communication device to enable a lock-ready state in which predefined functionality of the communication device can be disabled remotely by initiating a lock action and receiving confirmation of the lock-ready state being enabled. The loan is registered against the consumer record. Occurrence of a first condition or a second condition associated with the loan registered against the consumer record is detected. In response to detecting the occurrence of the second condition, a lock action is initiated to disable the predefined functionality of the communication device.
A system and method for network usage product provisioning are described. The method includes retrieving data points associated with a prepaid mobile subscriber including a subscriber profile having been output by a data processing system retrieving and processing features relating to the prepaid mobile subscriber from one or more data stores. One of the data stores includes a category of transactional records associated with the prepaid mobile subscriber. The method includes determining subscriber eligibility for a network usage product based on the data points. The method includes, if the prepaid mobile subscriber is eligible for the network usage product, interacting with an intelligent network of a mobile telephone network to provision the network usage product to an account associated with the prepaid mobile subscriber.
A system and method for network usage product provisioning via a mobile wallet platform is described. In a method, data elements generated based on credit data that is associated with a subscriber identifier which uniquely identifies a mobile subscriber are obtained. A network usage offer based on or including the data elements is transmitted to a communication device associated with the subscriber identifier via a subscriber channel of a mobile wallet platform in which the subscriber identifier is associated with a mobile wallet. Acceptance of the network usage offer is received from the communication device via the subscriber channel. The acceptance received from the communication device is associated with a selected network usage product. An instruction is transmitted to cause the network usage product to be provisioned to an account which is maintained by an intelligent network and associated with the subscriber identifier.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
A system and method for the provision of different network usage advance services to different categories of subscribers is described. In a method, a request, associated with a subscriber identifier and a service class, to provision a network usage advance is received. A network usage advance enables usage of a mobile telephone network by a prepaid mobile subscriber in advance of received payment. Different categories of subscribers are associated with different service classes which correspond to different network usage advance services. Service class data associated with the service class in the request is obtained. In response to obtaining the data, instruction to cause provision of the network usage advance to an account associated with the received subscriber identifier in accordance with the data may be transmitted. The data is usable by an intelligent network of the mobile telephone network to provision different network usage advance services based on the data.
A computer-implemented method, system and computer program product for type classification-based provisioning of network usage advances in a mobile network are provided. The method includes receiving a trigger notification in response to detection of a first predefined condition associated with an account, the notification including a subscriber identifier and a type classification associated with the account. The method includes retrieving credit data associated with the type classification from a subscriber record associated with the subscriber identifier. The method includes using the retrieved credit data to determine data elements associated with a network usage advance, the data elements including a quantity value of the network usage advance. The method includes transmitting an instruction including the data elements to cause provisioning of a network usage advance to an account associated with the subscriber identifier and the type classification.
A method and system are provided for processing of data records. The method includes processing raw data records including a first type having static values and a second type relating to transactional records with timestamps of events. The data records are filtered and transformed to standardized formats. The transformed data records are persisted into a first data store for static data relating to entities for retrieval based on static values, and a second data store for transactional data for retrieval based on timestamps. Different categories of transactional records are grouped according to the unique identifiers of entities. The categories are persisted to different tables including maintaining a table of stable size for efficient access of a category of transactional records that is most frequently accessed. The persisted data is used for retrieving features relating to an entity from multiple tables for processing to provide an output relating to the entity.
A system and method for provision and recovery of network usage advances are described. In a method, a network usage advance request, including a subscriber identifier and a first amount associated with the advance, is received. A balance control flag associated with the subscriber identifier is switched from a first state to a second state. Transactions relating to a deduction from a main account associated with the subscriber identifier leaving a balance of the main account as negative are prohibited when the balance control flag is in the first state and permitted when the balance control flag is in the second state. While the flag is in the second state, a second amount associated with the first amount is deducted from the main account. Subsequent provisioning of a third amount to the main account responsive to a top-up notification or instruction effects partial or complete recovery of the second amount.
A system and method for provision and recovery of a network usage advance are described. In a method, a network usage advance request including a subscriber identifier and a first amount associated with the advance is received. The first amount or an associated amount is recorded against a tracking field maintained by an intelligent network (IN) of a mobile telephone network associated with the subscriber identifier. The first amount is provisioned to a transaction field maintained by the IN and associated with the subscriber identifier. Further usage of the mobile telephone network by a mobile handset associated with the subscriber identifier is recorded against the transaction field. The tracking field is queried by the IN in response to a subscriber top-up event to determine whether a third amount associated with the top-up event is to be applied for partial or complete recovery of the outstanding network usage advance.
A system and method for recovery of airtime or mobile bundle advances is provided. In a method, a loan status query request is received, the loan status query request having been transmitted in response to a billing gateway detecting a subscriber requesting to purchase a mobile bundle from a mobile bundle vendor in exchange for an amount of money. The request includes a subscriber identifier and a usage amount of a particular category of mobile telephone network utilisation associated with the mobile bundle. A loan status associated with the subscriber identifier is queried to ascertain whether an outstanding loan, having a loan value, is associated with the subscriber identifier. If one or more predefined conditions are met, including if the loan status indicates an outstanding loan, a mobile bundle value is determined based on the usage amount and is used to at least partially recover the outstanding loan.
Aspects of the present application provide a system and method for credit limit-based provisioning of network usage advances in which network usage advances are provisioned based on available credit limit. The method may include determining a subscriber score associated with a subscriber record stored in a database and determining a value of a credit limit associated with the subscriber record. In response to provisioning a network usage advance to an account associated with the subscriber record, the credit limit value is updated by deducting a value associated with the network usage advance from the credit limit value. The network usage advance enables mobile telephone network usage in advance of received payment and provisioning the network usage advance includes recording the network usage advance value as outstanding. A further network usage advance is available to the subscriber for a value less than or equal to the updated credit limit value.
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