The world and technology as we know it is rapidy changing and now things are easier than they have ever been before. We are busy people with busy on the go lifestyles that breed the need for us to be able to access information and send messages or information almost automatically. We are completely addicted to our smart phones and frankly, why woudn’t we be? Smart phones have completely changed the world as we know it and now we expect everyone and everything to be at our fingertips and at our demand. We’ve become pretty spoiled actually, but it is the way things are now and Hypermedia, has been working around the clock to make sure we can provide you the technology you need to keep running your busy life. We intend to keep up and continue being an industry leader in technological advancements and systems to make our lives more moble, more simple, and more fun.
The way we choose to make payments these days has really changed from the way it used to be. I remember when I was a kid, I watched my father sit at the kitchen table once or twice a month and he would open bill after bill after bill. He’d start at the top of the stack and would hand write out checks to each company. Then, with care, he would put the checks in an envelope folded in the statement and adress the envelope back to the company. He would then lick a stamp and put it on the envelope and then put that on his pile of “outgoing” mail. Once he had done that, he would pull out his check book register and make the necessary adjustments to the bank balance in his check book. Once he had made a note of the change in the bank balance and rebalanced the check book, he would start the process all over again and start tackling the next bill on the top of the pile. That process lasted a couple of hours and he meticulously opened, paid, mailed, and recorded every bill and did it over and over again. It looked like the most boring thing in the world to a little kid, but I’ll give him credit- the man paid attention to detail. I admire him for that.
Things aren’t the way they used to be any more. The way we pay bills and transfer money to and from our accounts is totally different now than it was back then. Due to the technological advancements of cell phones and now smart phones, the entire enviornment has changed and the process of the way we do things is vastly different. The way we use and transfer money is no different. In fact, making payments mobally has come a long way! Just a few short years ago, no one would have imagined that you could send or receive money using just a few clicks on your phone. Thanks to the new USSD Gateways that offer USSD payment systems, all of that has changed. Hypermedia Systems has developed THE platform for mobile payment systems that has never before seen features and is more user friendly than ever. We have a full sql/oracle integration and we can support multi operators at any given time and multiple payments at any given time. We have builld our system to be able to grow and scale at will so you will never have to worry about a crash or down time due to too many payment transactions going through at once. We want our system to be simple and easy to use so we have tried to think through all of the nice features that our users would want to have. We have built-in efficient and functional transaction status queries. We made sure we added a top of the line queue management system and we have given our top priority to building the most robust reduncancy solutions available; so you’ll never have to worry about a glitchy system- no matter what the situation is. We have also taken the time to build in a banking topup gateway and revolutionized the platform with our stk gateway. Now that you have a general overview of what we are and how we operatate, let’s dive in and and we’ll give you more details.
It can be hard to understand some of the ins and outs of what we said above. We know, we get it. It’s a lot of techie talk and jargon that sometimes is hard to follow. A USSD mobile payment gateway is a way to be able to send and receive funds on your phone instead of having to go to your bank, atm, kiosk or shops. You can also use the system to purchase your SIM card charges so you don’t have to keep a bunch of SIM cards laying around for use at a later date. The previous example was just one example of how our gateway might simplify your life. If you want to pay some bills, you don’t have to go to your bank or lick a stamp and send your check in through the mail. With our new mobile payment gateway, everything is available on-demand when you need it. We have helped to get rid of old paper clutter, bills, statements, and balancing checkbooks and all of the other things you used to have to do to manage and run your household and life. Now, everything is right in the palm of your hand and you can stay up to date at all times with your finances, bills, bank accounts, and obligations.
More specifically, some of the benefits of our system are as follows:
- SQL/Oracle Intergration- provides our system an interaface that integrated with Oracle. That way you can browse, manage your database applications and monitor. You can perform other Oracle tasks like use, import and export applications, have customer exception reports, tune your queries, drop applications, deploy applications and modify your applications. You can also export pages.
- Multiple operator supports- you never have to worry about our system crashing with too many people trying to use the application at the same time. We can grow and expand and will and have the availability to support multiple users across the globe with our bandwidth.
- Multiple payment transactions- similar to multiple user support, we also offer multiple payment support. You can send and receive payments at the same time with no hassle and no system confusion. We have built our system to allow for multiple actions at once.
- We have built in a transaction status query so you never have to wonder what the status of the transaction is. That is automatically updated every few minutes to give you the most up to date information available.
- We have a robust queue management and a priority redundancy solution in place. With increased sophistication of technology and increased frequency of use, the last thing you want is a Denial of Service (DoS) or a worm attack. Service availbility is a crucial element for any technology and our network infrastructure is designed to give you high availability and give a source of redundancy so that you have access to the system when you need it, every time with little to no down time.
- We offer a banking topup gateway as well. To enable rich integration between banks and our platform. We are a top provider of prepaid and banking channels. They are readily configured and created with our platforms interface. Our gateway functions as a middleware component that will safely transfer money from your bank to your destination and will consider all cancellations, inquiries, or adjustments made on every transaction.
Bi-directional High Speed Communication
A USSD gateway allows bi-directional and high-speed communications to run between applications and mobile handsets. It is giving people all over the world the speed, convenience and simple availability that has changed the way most of us live our lives. It can support millions of users at once and makes it the ideal way for most people to access their services and accounts from abroad, the road, or home. Our USSD gateway is cost effective, simple, and user friendly. Our program is intuitive and the user interface is simple and appealing to look at.
So, whether you need to interact with different services like balance inquiries, bill paying, pre-paid account refilling, callback services, sports information or stats, stock quotes, games or any other possible thing you can think of, we’ve got you covered with our robust gateway. We have an open, multi-provider platform that will allow multi-users to all get their need fulfilled at once. Our network integrates seamlessly with all of the providers necessary to deploy a long and rich list of mobile services across different platforms. One of the nice features about using our service is that subscribers can initiate different USSD sessions using very flexibly assigned short codes. You can use your handheld mobile device and select from a menu or send a complete command using a single string and it will automate the request by using the USSD add-on and will satisfy all local user requirements before it sends it to the service carrier. It does this quickly and easily. The best part is you can automatically service any number of end users or providers using one central USSD management device.
As you can see we are just getting started with our mobile capabilities. It is now easier than ever to send and receive payments on your phone or use any other multi use applications. Our guarantee to you is that we will continually strive to grow and better our business even though we are already at the top in our industry. We’re not arrogant; we are always striving to improve and are up for the challenge. We always want to be at the top of our game, but we realize that will take continual improvement and evolution for better and faster products and services. We are going to continue to push boundaries and improve our technological bandwidth and services so that we can provide your mobile solutions when you need them. The world will continue to evolve and change and our lives will continue to get busier and more complex. You can rest assured that Hypermedia will always be two steps ahead of you, paving the way to the future.
Introducing Hypermedia’s new service – “HyperWallet”
What is Hypermedia’s “HyperWallet” service, and how do I implement it to meet my needs.
In developing countries, mostly African ones (India as well), banking services are rare to find. People who need an immediate access to cash to manage their physical transactions are in a continual problem.
Whereas many countries replaced the need for holding physical money with advanced digital transactions through the internet, developing countries sometimes suffer from partial, slow to non-existent internet coverage.
Mobile Payments using USSD Transactions
For these above reasons, USSD transactions are a perfect solution. USSD transactions are mostly used in these countries to transfer air time banks and bandwidth balance between people.
Another new development of USSD transaction is its usage to achieve “Mobile Payment”.
Mobile Payment is a fairly new service, refers to payment services performed from a mobile device. Instead of paying with credit cards, cash or cheques, the consumer can utilize his cellphone to pay for purchasing goods or simply transferring money between people – in a variety of methods.
One method we would like to discuss here is USSD transactions. The implementation of USSD in this manner is quite simple. The sender sends a transaction order through USSD (for instance) by using the recipient’s number (and some more parameters) in the transaction order.
The “Mobile Payment” service can be done while the mobile device communicates with formal banking services, and that’s what is commonly called “Telephone Banking”. In this method the bank links bank accounts to a phone number as an identifying method.
Mobile Payments can also be done independently from the bank, in some services such as “Orange Money” and many other popular ones. These services are referred to as “unbanked” or “underbanked”.
This ability transforms the cellular phone into an advanced electronic wallet. Whereas some western countries are just making the transformation to electronic wallets, in these developing countries, mobile payment and e-wallets have been a reality for many years.
Shortcomings of USSD transactions
This feature works great when performing casual transactions here and there, but when dealing with a mass amount of transactions, some drawbacks arise.
As mentioned above, one must physically type the USSD code in his cellphone to make a transaction. This code is long, complicated and prone to typos and errors. When dealing with a large amount of transactions daily, this issue becomes intolerable.
Another issue relying on manual input, is the risk of having a worker literally steal your money. As your cellphone functions as a wallet, anyone with access to it can secretly send a transaction to his own number. For a business, manual transactions are just not secure enough and for that matter not practical.
There are some cellular operators who provide API access to their servers, allowing people to develop applications to handle all the transactions automatically. But not all the operators provide this API access, which makes the transition to automated transactions – virtually impossible.
The solution – HyperWallet
And that’s exactly where Hypermedia’s “HyperWallet” comes in. Hypermedia developed an API, that together with their SimBox solution can operate as a convertor. HyperWallet can send mass transactions, receives the responses from the operator’s gateway and knows how to sort the responses to a relevant “Pass” or “Fail” html output – in reference to the transaction that was made.
HyperWallet can work with multiple protocols, such as USSD, STK and SMS. Its major advantage is that it selects the right SIM for each transaction. If transferring air time to a specific client is cheaper through one operator, it will automatically choose the right SIM for that purpose. If transferring money is easier, faster or cheaper from a specific bank account (linked to a specific SIM) HyperWallet will smartly route the transaction from the right sim, send the right code and sort the feedback to a “Pass” or “Fail”.
This Amazing service also opens many opportunities for small businesses to make their own transactions not having to rely on middle agencies. Many operators wont deal with small businesses directly, because they do not qualify for the minimum amount of transactions required, and as a result refer them to middle agencies who take their cut off the cake.
From now on, it doesn’t matter how big you are or how many transactions you perform, HyperMedia’s HyperWallet will let you deal directly with the operator, saving time, money and hassle.
HyperWallet features and limitations
For a clarification, HyperWallet is not a complete product on its own. It serves as a vital component in any system as a USSD convertor (Pull only), which outputs simple HTML responses. This brilliant product allows its implementation into any existent application easily. It comes with an enhanced API, consists with an enriched set of commands programmed into the SIM, to create an interactive exchange between the network and the end user smoothly and transparently.
HyperWallet API is a JSON-based comprehensive utility which easily enables implementation of applications for the SIM cards in your Hypermedia’s SimBox.
Some examples for implementations of Hypermedia’s HyperWallet:
- A local kiosk selling airtime and bandwidth. With HyperWallet you can buy and sell airtime from customers with a click of a button with full automation. The HyperWallet will automatically choose the right SIM depending in the client’s number.
- Local business can charge and receive money easily and get the reference number for confirmation with full integration with modern CRM systems.
- Local change office can receive money in variety of ways, paypal, wire transfer and many other electronic solutions, and after clearing the transfer, automatically send the amount received to a client’s cellphone (and vice versa) – altering and transforming HyperWallet into a complete Clearing System.
- For an employer, you can pay salaries in bulk payment. instead of typing each transaction manually you can do it with a click of a button.
This solution provides a reliable, better secured alternative to support financial transactions, while providing a powerful set of integration abilities to your business.
- Money deposit and withdrawal
- Money Transfer
- Bill Payments
- Bulk Payments (salaries)
- Airtime transfer / Airtime Top-Up
- Third party application support: HTTP/API
- Maximize interaction with service provider
- Phone-free operation
- Variety of protocols supported – USSD, SMS and Sim ToolKit (STK)
- Multiple operator support
- Multiple parallel transactions support
- A robust queue management and a priority redundancy solution
- highly efficient when Operator’s API support is not provided
Don’t hesitate to call hypermedia’s specialists to get your own HyperWallet today!
Let’s all come to terms that we are becoming a full-time mobile-integrated society. Everyone in the whole world is aware of what text messaging is, and what other way to reach out to people if you were a business? Businesses are quickly getting in line with changing times and are now adopting the use of text messages to reach out to customers. It is a more cost-effective and straightforward way of reaching out to thousands, if not millions of customers. Surprisingly, even though these texts are sent in bulk, they can be personalized for urgency purposes.
Bulk SMS, bulk messaging, or bulk text messaging is transferring SMS messages in large amounts to other phone terminals of a predetermined group of recipients. Bulk messaging is used by huge corporations, banks, consumer brands, and media companies. Often, this method of messaging is used for mobile marketing, organizations and the entertainment industry.
Banks use bulk SMS for fraud control in case any criminals are circulating fake emails by asking bank users for their sensitive information. Bulk SMS can alert the users of the scam and not fall victim in the end.
How SMS Gateways Work
SMS Gateway device providers have unique provisions with major mobile carriers all around the world to send two-way SMS traffic. These gateway providers (SMS aggregators) send and receive SMS traffic to and from the SMSC of the mobile phone’s network. The aggregators then receive a follow-up of the delivery of the messages.
SMS aggregators are basically SMS gateway providers who have arrangements with huge mobile network providers to send and receive messages through SMS centres.
Direct-to-mobile gateway enables text messages to be sent or received by email through software applications by acquiring a SIM card. Direct-to-mobile gateway differs from SMS aggregators as they are installed on an organization’s own network and connected to a local mobile network.
This is done by acquiring a local SIM card from the local operators and installing it in the gateway.
An SMS Centre (SMSC) handles the passing of text messages for major telecom carriers. All SMS messages are sent from a mobile phone reach the SMSC to regulate the whole process. The SMSC then forwards the message to the recipient, unless the recipient is off, then it will be stored until they get back on.
Bulk SMS Software
Software has to be used to send and receive bulk messages. There are many types of software packages designed for this platform. Software company packages give users the ability to send messages to as many phone numbers as possible.
A wide majority of software applications are made to be used with SMS that enables the user to upload mobile phone number lists with the use of CSV or TXT file. More advanced systems can delete any repetitive numbers automatically. Other advanced systems are programed to authorize all the numbers before the messages are sent.
Personalising your SMS messages goes beyond addressing your customers by name. It’s all about communicating to individual customers with fields that are unique to them. Personalising your SMS could be the move that gets you to the next level from being a brand to being a brand that people can count on.
Other established software features are designed to enable users schedule messages to be delivered on strategic days and time. Bulk messages can also be sent on national or international mobile networks as long as the provider uses an international platform.
Who Uses Bulk Messaging?
Bulk messaging is used by enterprise firms (both corporates and SMEs), political base, schools, research firms, commercial institutions, clubs and their members, freelance marketers, banks, government institutions, and others. SMS Messaging (Short Messaging Service Messaging) enhances customer engagement, market products and services, and pass on urgent alerts and notifications to subscribers.
With the advent accessibility of billions of people in the world to SMS-capable smartphones, many businesses now have the chance to extend their reach through bulk messaging.
How Is Bulk Messaging Used?
With this very effective communication tool, SMS messaging offers businesses looking to pass important information with various advantages. Here are four realistic ways in which bulk SMS messaging is incorporated:
- Digital Money Transfer
Using a digital money transfer provider enables users to send money, pay bills, and reload mobile tariffs for family and business colleagues all over the world. With the use of bulk SMS, the mobile transfer provider can send a real-time transaction update to both the sender and recipient.
International retailers such as Walmart send bulk SMS messages to all its customers notifying them of daily discounts – which are redeemable for a certain period of time. Instead of shouting to the customers in the store, it is a better alternative which improves customer turnout by offering them better incentives.
Bulk SMS Messaging Improved With Clouding
There’s a lot to look into when using a mass notification solution within your customer management software. Integrating your communication program and mass texting as a customer service initiative or marketing tool demands specialized software. To deliver the best customer experience, using cloud communication APIs to send SMS messages is a better solution. Here’s why you should engage in bulk SMS messaging with a trusted cloud service provider:
- Global Access
A dependable global carrier network is one reason businesses turn to cloud providers. Reliable cloud providers have reputable relationships with worldwide telecom providers that have experience relaying billions of messages worldwide. Cloud providers also offer multiple routes to major carrier networks which helps deliver messages in the required timeframe.
- Flexible Pricing
Cloud providers offer package deals that change as your business needs grow over time. There are cloud providers who offer flexible pricing models that accommodate the exact amount of messages being sent, and nothing more than that.
- Diverse Software Features
Cloud providers also offer more than just bulk messaging. Instead of just sending word texts, there are better ways of sending MMS (Multimedia Message Services). This allows you to be more inventive and picturesque in marketing.
Personalization is the secret to building customer loyalty. The tools to build customer relationship are right in front of you. SMS bulking is one way to bring customers closer and get them more engaged.
The Best SMS Gateway
An SMS Gateway is a box that allows its users to send SMS messages from a web browser to people within a cell (the geographical area covered by a cellular telephone transmitter). An SMS gateway also serves as an international gateway for users with roaming capability, which enables SMS communication beyond the home network.
SMS gateways solve common telecommunication problems that different wireless providers offering a variety of branded/ proprietary communication protocols. The gateway acts as a transferring agent that shifts one protocol into another. SMS gateways are used to sens bulk SMS via your SIM.
Nokia has an SMSC protocol known as CIMD, while another SMSC vendor, such as CMG, has its own SMSC protocol called EMI. It is impossible to connect two SMSCs if they do not support a standard SMSC protocol. This is where an SMS Gateway comes in by being placed between two SMSCs to tackle this problem.
It’s not just wireless carriers, but also content providers and SMS application developers such as Facebook or WhatsApp, who find SMS Gateway useful. Supposedly, one is a developer of an SMS text message application and wants to send and receive text messages on your server.
An SMS Gateway is introduced to mitigate the connections to the network. All one needs is to modify the settings of the SMS Gateway and you will have the best SMS Gateway. A source code change is not even necessary. Using an SMS Gateway like hypermedia HG-7000 will shorten the development time of the application’s SMS text messaging.
To connect to an SMS gateway, you can use an SMSC protocol such as SMPP or CIMD. Some SMS gateways support an HTTP/HTTPS interface which makes it easier to use SMSC protocols. However, there are fewer SMS gateway features to use because some may not support sending pictures using an HTTP/HTTPS interface.
Other than using a direct connection to an SMSC’s wireless carrier, one can receive and send text messages on a computer by using a mobile phone or GSM/GPRS modem. Your SMS text messaging application has to establish communication with the mobile phone or GSM/GPRS modem utilizing AT commands.
Open Source SMS Gateway Software
An SMS Gateway has a lot of functions in the messaging system. It can be very complex and expensive, but fortunately, there are free open source SMS gateway software packages that can be downloaded over the web.
The Best SMS Gateway
Hypermedia SMS gateway device
Enables the creation of bulk SMS campaign in a matter of minutes
Hypermedia unique SMS solution is an on-site (premise-based CPE) solution
An alternative tool to SMS aggregators or SMS resellers
No need to have a 3rd party handle your sensitive business data
Call rejecting occurrence – Identifying the cause
To understand Call Center Conversion Rate, picture this scenario; it’s five thirty in the afternoon. You are at home, sitting back on your luxurious sofa, trying to relax after a long day at work. Suddenly the phone rings. You look down at the phone’s screen trying to recognize the number, it’s an unrecognized landline number not in your contact list. Would you pick up the phone?
Well most of us wouldn’t. Landline numbers usually indicates that it isn’t someone we know, not a relative nor a friend. People nowadays tend to contact each other via their cell phone. A landline number mostly associates with a foreign, unwanted and disturbing entity, such as telemarketing offices, insurance companies, banks or some other annoying and unwanted instances you certainly don’t want to conduct after an exhausting and demanding day at work.
This is not a made-up theory or a longshot guess. Some modern researches point out that this is actually a proven reality. People associate cellular numbers, (even an unknown one) with a private person they might know and therefore they tend to pick up the phone more frequently than a landline number.
And that’s where the problem for call centers begins. The percentage of rejected and unanswered calls is in it’s peak since cellphones became so commonly used. Offices almost exclusively use landlines or PBX’s (Private Branch Exchange) to make their calls and for them this pointed above issue has become a major concern for their business. The Call Center conversion rates are bad.
Another aspect for the recent rising of rejected calls, is the growing popularity of “ID Sharing” applications such as TrueCaller and ME. All it takes is one person to mark your office’s number as spam and you’ll be automatically marked as spam for all the user of that application. Landlines lack the flexibility to overcome this problem as the number is pretty much fixed. Changing your landline number requires applying to the telecom company, which is not a simple and easy procedure.
The Solution – GSM Gateway/SIM Box
And that’s where a “GSM Gateway” or a “SIM Box” come in handy. A GSM Gateway is basically a PBX, which takes calls from variety of interfaces and outputs them through the cellular network of the SIM installed in it (one or more). That procedure is called “Termination” where a call is routed from one source through a specific interface to another.
In terms of Call Center conversion rate the immediate advantage of using such a gateway is obvious. By using such a device, we can camouflage our calls by sending them out through a GSM connection making them look more “innocent” and legitimate to the potential client and therefore achieving more probable “pickups”.
Another major advantage with this solution is the ability to use “SIM Rotation”. Obviously as pointed above, after a short term of using this method, this cellular number will be “burnt” – marked as spam and therefore won’t be picked up when called through it anymore.
As mentioned before, most GSM gateways comprise somewhere between 20 to 300 Sim slots (and sometimes even more). You can configure the GSM Gateway to randomly choose a SIM for a call, enlarging the possibilities and avoiding “burning out” too fast. Furthermore, the flexibility of changing a cellular number comes down to pulling out the existing SIM and replacing it with a fresh one – a matter of few minutes at most. No need to request anything from any telecom company and waiting for them to respond.
HyperMedia’s HG-4000 GSM Gateway
HyperMedia systems is leading the market of GSM gateways. Our HG-4000 is one of the most sophisticated GSM Gateways out there.
When it comes to the number of SIMs it can support, our HG-4000 supports up to 320 SIMs that can work in rotation, while 32 of them can run simultaneously. You can group 10 SIMs together and assign them to a specific incoming number, operating them as a unique and separated pool of numbers for the “SIM rotation”.
HyperMedia’s HG-4000 also supports a variety of interfaces such as PRI, BRI and VOIP connections to connect the GSM gateway to your office. These interfaces can be used where one serves as the main connection while the other is used for backup or work simultaneously. It’s a matter of installing another interface card, depending on your specific requirements and needs.
This solution may not be the cheapest in terms of initial cost or the easiest in terms of maintenance, but it can tremendously increase your “PTR” (Phone Through Rate) and eventually lead to a better conversion rate. There is no doubt that the return of investment for this product is guaranteed. This is indeed a major game changer in the world of call centers today.
Don’t hesitate, contact HyperMedia and we’ll match you with a custom-tailored GSM Gateway, to suit your specific needs of increasing Call Center conversion rate for a very competitive price.