The AllSecure Top-Up Processing solution is an intelligent system that allows for top-up services to be provided through various channels and serve as the platform for further value added services that may be included at a later stage. The AllSecure Top-Up processing solution allows for the integration of retailer systems to top-up service operators and the bank for the required payment processing. On the one hand it allows for various top-up services to be offered to the customers’ added convenience, be they mobile phone, fixed line, VOIP, Internet or gift card top-ups. On the other hand it allows for the integration of various channels, be they physical retailer POS network, GPRS network, mobile phone, Internet, call centre etc.

The AllSecure Top-Up Processing solution is designed to assist service providers using the pre-paid business model, to enhance the profitability of their operation whilst concurrently adding value to their customers. The new system integrates seamlessly with the AllSecure electronic payment processing system thereby providing clients with a very cost effective solution to improving the profitability of their operation by promoting the use of credit/debt cards for top-up services. Very conveniently for the customer, cash payment is also supported by the AllSecure system via Point Of Sales systems.

The AllSecure Top-Up server would:

• Replace the physical distribution of top-up cards as much as possible thereby reducing distribution and management costs. The AllSecure Top-Up solution, particularly if well marketed, can significantly reduce the need for the physical top-up cards as the instrument for service purchase and activation.
• Reduce fraud by having less top-up cards flowing through the physical distribution chain.
• Eliminate “stock out” situations throughout the distribution chain, as this will no longer be dependent on physical top-up cards being available at selected retail outlets.
• Reduce accounting work as commissions due and paid would be fully automated by the system, ensuring the service provider, and all in the distribution chain receive their commissions in a prompt and correct manner.
• Increase availability of product in denominations that are customer defined and not in pre-determined values, thereby allows for smaller or larger and flexible top up denominations of the top-up values.
• EPOS Top-Up systems critical for quick and stable gain of market share The initial supermarket network can be extended through the merchant network linked to the AllSecure payment gateway which sell top-up services as a regular stock item, irrespective of their own line of business.
• SMS Top up systems very convenient to customers and with limited on-line infrastructure provides a start to m-Commerce services. This provides a whole range of direct marketing opportunities to reach out directly to customers and end-users.
• Convenient To-up process that is customer focused, giving the customer a wider range of retail outlets and channels to purchase the service and the added convenience of having prompt receipts through SMS.