DIMOCO Glossary

GENERAL DESCRIPTION
Carrier Billing
Paying for a services/products via mobile phone bill or direct deduction from pre-paid balance. Payment technologies used are either DCB (Direct Carrier Billing) or PSMS (Premium SMS).
End User
A person using a mobile device to purchase services/products via their mobile phone bill/pre-paid balance.
Content/Product Category
A type of content/product which is provided by Merchant (e.g. gaming, lifestyle, ticketing, m-Commerce etc.).
Merchant
A Merchant (business customer, service provider, merchants, client, ….) provides services/products which he either owns or has the right to publish/sell while being in a contractual relationship with DIMOCO.
MSISDN
MSISDN is a number uniquely identifying a user in the mobile network. Simply put, it is the telephone number of the SIM card in a mobile phone.
Mobile Network Operator (MNO) Carrier
Mobile Network Operator (MNO) including virtual operators, which DIMOCO partners with to provide payment or messaging services.
Internet Service Provider (ISP)
A company providing internet connectivity to End Users, which DIMOCO partners with to provide payment services.
Payment type
The payment type can either be OTP or subscription.
One-Time Payment
A single, non-recurring purchase of a service.
Subscription (sub.)
A business model where End Users are repeatedly charged at defined intervals in order to prolong the access to the purchased service.
Transaction (TRX)
Can be used as a term for a financial transaction or a transaction in the technical sense. It is an exchange of goods and services between a buyer and a seller, in case of a financial transaction we refer to the exchange of money, while in the technical transaction certain parameters important for operation of the payment system are exchanged.
Service numbers
A Service number is used for sending and receiving SMS messages which can be free of charge or at a certain “premium” price. A Service Number can be either shared (used by multiple Merchants) or dedicated (used exclusively by a single Merchant).
Short Code (SC)
A Short Code is a 3-7 digit number used for sending and receiving SMS messages which can be free or at a certain “premium” price. Short Code can be either shared (used by multiple Merchants) or dedicated (used exclusively by a single Merchant).
Service & Contact Center (SCC)
These are 3rd party service centers which are managed by DIMOCO and process End User queries on behalf of our Merchants.
Keyword (KW)
A term that is used to identify a Merchant’s campaign. If End Users want to participate, they must send a SMS containing the defined KW to a certain Short Code. For example, in order to purchase extra lives in a mobile game, End Users sends a SMS with the text “COINS” to 55555, in this case the KW is COINS.
IMSI
An International Mobile Subscriber Identity (IMSI) is a unique number which identifies every user of a cellular network (e.g. GSM, UMTS, LTE). Usually it’s a 15 digit number but it can be shorter in some special cases. First 3 digits represent mobile country code, and the rest are mobile subscription identification number with the network’s customer base.
Mobile number portability (MNP)
An option that allows End Users to keep the same phone number when they switch to a different MNO.
Roaming
In case End Users connect to a network of a different MNO they go into the “roaming” mode. In case it’s the MNO from the same country we refer to national roaming, or if it’s from the other countries then it’s international roaming.
PAYMENT RELATED DESCRIPTION
Payment flow
Visual presentation of all the steps which are required in order to make a mobile payment from the End User perspective, along with some additional instructions/information.
Click flow
1. End User is browsing on mobile device via mobile data connection (e.g. 3G/4G/5G,…) 2. Confirmation of purchase via Click on the confirmation button on the Payment Page
MO SMS flow
1. Ordering of purchase via SMS-MO
TAN flow
1. End User receives TAN via SMS-MT 2. Confirmation of purchase via entering TAN
WEB TAN flow (wTAN)
1. MSISDN is entered by End User 2. Receipt of TAN via SMS-MT 3. Confirmation of purchase via entering TAN
MOBILE TAN flow (mTAN)
1. MSISDN is detected by mobile data connection (e.g. 3G/4G/5G,…) 2. Receipt of TAN via MT-SMS 3. Confirmation of purchase via entering TAN
WEB SMS flow
1. MSISDN is entered by End User 2. Handshake SMS-MT is triggered 3. Confirmation of purchase via SMS-MO
Doorway Page
Doorway page is used in case there is a need for special confirmation before accessing the service. For example when visiting websites which are intended for 18+ users, there would be an age verification doorway page where End Users must confirm that they are over 18 years of age
Initial Service Page
Page where End Users initiate the payment by selecting what exactly they want to purchase (e.g. 10 golden coins within a game)
MSISDN Entry Page
Page where End Users enter the MSISDN
TAN Entry Page
Page where End Users enter the TAN
TAN Entry & Payment Page
Page where End Users confirm the payment by entering the TAN
Pre-Payment Page
Page that contains mandatory service information and an action button, after which the End Users are redirected to the next payment step.
Payment Page
Page where the End Users confirm the payment
Payment Confirmation Request Page
Page where the End Users are instructed to complete the purchase via SMS-MO
Delay Page
Page where the End Users are asked to wait for a pending action or result
Outcome Page
Page where the outcome of payment is displayed
Outcome & Service Access Page
Page where the outcome of payment is displayed and End Users can access the service
MESSAGING RELATED DESCRIPTION
SMS-MO (free, standard rated or charged)
Mobile Originated SMS; End Users send a SMS, this SMS can be charged, free or standard-rated
SMS-MT (free or charged)
Mobile Terminated SMS; End Users receive a SMS, this SMS can be free or charged
Payment Confirmation Request SMS-MT (free)
End Users receive a SMS, with the request to confirm the payment via sending a SMS-MO
Payment Confirmation SMS-MO (free or standard rated or charged)
End Users send a SMS to confirm the payment
TAN SMS-MT (free)
End Users receive a SMS containing a TAN code
Welcome SMS-MT (free)
SMS which is sent to the End Users after they’ve confirmed the purchase. It usually contains information that the payment was successful, content access information, details about the cost and possible charging frequency, also terms & conditions URL or helpline number are often included.
Payment Confirmation SMS-MT (free or charged)
SMS which is sent to the End Users to confirm that their purchase was successful; this message can be free or charged. This message can contain additional information e.g. how to access the service, details about the cost, possible charging frequency, terms & conditions URL or helpline number, …
STOP SMS-MO (free or standard rated)
End Users send SMS with a command (e.g. STOP or STOP+Keyword) to unsubscribe from an open Subscription
STOP Confirmation SMS-MT (free)
End Users receive a SMS which confirms the successful cancellation of a Subscription