To Create USSD code and more options to connect every people through mobile network and keep their safety and Analyze Unstructured network notification alerts received from connected people whenever they suffered by Accident , Natural disaster , public Nuisance , robbery and traffic .

Possible to create separate USSD code for each or set of products to increase sales and total productivity without internet access .

Read More .. Contact -- EDEN INNOVATIVE CHARITABLE TRUST , INDIA .

Respected Prime Minister,

Wish You A Very Happy Birthday. The whole credit goes to your parents to bringing you up in-spite of having a very hard life and challenging circumstances.

Regards,

Narayan Jalan

Challenges in using USSD services :

Must be made aware among all bank account holders.
Every bank branch and ATM must have FAQ relating to usage of USSD and its process to access it.
It must be made easier for rural consumers. Rural consumers must aware of usage of USSD services.
Multiple bank account holders with same mobile number cannot access *99 feature easily.
Charges which are levied must be charged only after completion of complete process. Some operators charges in between proc

find comment in attached pdf

USSD usage - A typical use-case: Father having account in Indian Bank wants to send Rs 2000 every month to his son studying in a hostel in a different city. He would like to create an entry in his address book as *99*58*4**#. But since IFSC is a alphanumeric 11-character string, this cannot be in Phone Address Book. Can we find an alternative way of substituting IFSC of your bank with a Numeric Code? Changing from Character to Number will reduce timeout and improve Success Rate.

USSD Charging message distracts usage - This is an experience of using BSNL's *99# service. As soon as the service is invoked, the charging message is sent by BSNL. So, there is a notification sound and this distracts the user from completing the USSD session. So, I urge Telcos to explore holding the charging message until the session is completed. This will ensure that the customer is not distracted and will complete the 5 stages of USSD entry and hope to get a successful response

USSD - *99# for buying a Rs 10 Platform Ticket at all Railway Stations - We can go beyond Banking and start using USSD service for Merchant Payments. When the Merchant, Amount and Purpose is fixed, then we can call the entire string at once
*99*42*3*MobNo*MMID*10# - To pay Rs 10 from Punjab National Bank to Railways.
*99*76*3*MobNo*MMID*10# - To pay Rs 10 from Karnataka Bank to Railways.
Timeout problems can be solved by storing string in Address Book or using *99# Mobile App like PNB

On Pricing,
USSD Service Provisioning for a large country like India is requires good planning and expertise to configure the GSM Switches to do what it is supposed to do. This requires time and effort. Telcos should be suitably compensated for the effort. So, there is nothing wrong in charging Rs 1.50 per session. However, if there is a failure to reach the end-node, then the charging should be rolled back. Let market dynamics determine if users want to switch providers based on ServiceQuality

Based on extensive testing of USSD *99# services, the following are some observations
1) Vodafone USSD - *99# - works well, consistently across all locations. I have not faced even a single instance of failure on this network
2) BSNL, Airtel, Idea - *99# - Service is very patchy, inconsistent and unreliable. Customers will lose confidence in the Banking industry if the Telecom pipe is unreliable.

I urge all Telecom Service Providers to give highest importance to Service Quality and Uptime

Privacy of individuals and their financial transactions should be assured. Whatsapp kind of services that network individuals based on mobile numbers only may not be secure. Global network architecture for the use of USSD must linkup an individual or corporate primary bankers who have already ensured privacy of financial transactions.