Unstructured Supplementary Service Data (USSD) is a protocol used by mobile phones to communicate with their service provider’s computers. Unlike SMS, USSD sessions are real-time, offering instant interaction with services. This system is particularly beneficial for banking, payment services, and network configuration. It offers a swift and straightforward way to access various functions without needing an internet connection.
How USSD works
USSD operates through the GSM (Global System for Mobile Communications) network. When a user dials a specific code, the request is sent to the mobile network operator’s computer systems. These systems process the request and send a response back to the user’s phone. The communication channel remains open, allowing for a continuous two-way exchange of information. This real-time interaction is what sets USSD apart from SMS. It is thus ideal for interactive services like balance inquiries and mobile payments.
How USSD is used
USSD is widely used for a variety of services. In banking, it allows customers to transfer funds and pay bills without needing a smartphone or an internet connection. The Bajaj Finserv Bharat Bill Payment System (BBPS) platform utilises USSD to enable users to pay utility bills seamlessly. Telecom operators use USSD for network configuration, such as checking data usage and recharging prepaid accounts. Moreover, USSD plays a crucial role in facilitating Unified Payments Interface (UPI) transactions, especially in regions with limited internet access. Its simplicity and accessibility make USSD an invaluable tool in both urban and rural areas.
Why use USSD?
Here is why USSD remains relevant in the age of apps:
- Universal accessibility: USSD works on even the most basic feature phones, making it ideal for those who do not have smartphones or internet access.
- Simple and instant: No app download or data connection needed. Just dial the code and receive an immediate response.
- Offline functionality: USSD works even without a mobile internet connection, ensuring you can access essential services anytime.
- Cost-Effective: While some USSD services might incur charges, they are typically minimal compared to data usage or SMS fees.
Common uses of USSD
Mobile networks offer a variety of USSD codes for different purposes. Here are some everyday examples:
- Check your account balance: This is perhaps the most common use. A quick USSD code displays your remaining call credit, data balance, or validity.
- Recharge your phone: Top up your prepaid account with a voucher or online recharge by initiating the process through a USSD code.
- Manage data packs: Activate new data plans, check data usage, or even change your data pack using the USSD menus.
- Access customer care: Reach your service provider's customer support by dialing a dedicated USSD code.
Beyond the basics:
USSD can extend beyond basic phone management. Some mobile networks offer USSD menus for:
- Mobile banking: Check account balance, transfer funds, or even pay bills using USSD banking services (availability depends on your bank).
- Stock Market updates: Stay updated on stock market movements through USSD services provided by some brokers.
- News and information services: Get weather updates, sports scores, or even trivia delivered straight to your phone via USSD.
Using USSD safely:
- Be cautious of unfamiliar USSD codes, especially those promising free services, or rewards. Stick to codes provided by your trusted mobile network operator.
- Understand the charges associated with specific USSD services to avoid unexpected bills.
- If you are unsure about a code, it is always best to consult your mobile network operator's website or customer care for clarification.
The Bajaj Finserv BBPS platform enhances the bill payment process with the convenience of USSD-based payments through Bajaj Pay UPI and Bajaj Pay Wallet. With BBPS, you can effortlessly pay for services such as electricity, water, gas, and insurance using simple USSD codes. Integration of USSD technology with Bajaj Pay UPI and Bajaj Wallet allows for quick and easy transactions. This can be done even without an internet connection.
Conclusion
USSD remains a vital technology in the mobile communication landscape. Its ability to offer real-time, interactive services without requiring Internet access has cemented its role in the banking and telecom sectors.
