1. Operator sends alert to HiPAAS indicating user's prepaid balance is low; HiPAAS sends low-balance alert SMS to user through operator's SMSC
   
   


2. User replies to SMS indicating passcode and top-up amount
   
   


3. Operator's SMSC recognises message as a HiPAAS top-up message and forwards request to HIPAAS
   
   


4. HiPAAS authenticates user based on mobile number and passcode
   
   


5. HiPAAS forwards request for authorisation to operator's Acquiring bank to initiate bank's authorisation process
   
   


6. Acquiring bank uses card network to obtain authorisation of payment from user's Issuing bank
   
   


7. Operator's Acquiring bank sends authorisation response to HiPAAS
   
   


8. HiPAAS instructs operator's prepaid billing system to top-up user's account; user receives SMS confirmation of top-up from HiPAAS (via operator's SMSC)
   
   


9. HiPAAS Operator confirms top-up of user's account with HiPAAS
   
   


10. End of day: HiPAAS generates reports for operator & Acquiring bank for settlement of day's transactions

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