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Our solution has also been successfully tested with American Express in. It allows American Express cardholders to pay their card bills by Debit Card. Also American Express cardholders can pay bills and pay for mobile phone top-ups using mobile phones.


How do I download the OAC-Client application on my mobile?

The download is performed using our registration process. Currently, we support SMS based registration.

Send sms: “register <MOBILE_MODEL_CODE>” to short code 1234.
For e.g. If you have a Nokia 6600 handset send, register NK6600.

Is my handset supported?

We have ensured to include all Java-enabled phones in our list of supported handsets.
To view a list of supported handsets and their make/model codes send go to


What do I need to download the OAC-Client application on my mobile?

The OAC-Client is a J2me application hence a mobile that supports J2me is needed. If your mobile runs JAVA games, it might already support the OAC-client.
To view a list of supported handsets and their make/model codes send go to

The OAC-Client can be downloaded via a download URL (http). Also it needs to communicate with the backend OAC System over the internet.
Hence, a mobile needs to have GPRS connection.

How do I configure my GPRS connection?

Call your telecom service provider for this.

What happens if my GPRS connection is broken during a transaction?

If the payment was not yet confirmed and initiated from the mobile device, normal operations can be resumed on the OAC-Client, once GPRS is reconnected.

However, the payment once initiated towards the payment switch cannot be stopped. It is possible during this that the GPRS connection is broken and the user receives a TIMEOUT message instead of a transaction status message (either success/failure).

Whenever, the GPRS connection is reconnected, the user can go to the “Transaction History” menu on the OAC-Client application on the mobile. This retrieves the last 5 transaction details from the server.

If the transaction is not listed or status is shown as pending, the user needs to call help desk for further assistance.

Note: Call your telecom service provider for configuring or enabling the GPRS connection.

What is Java?

The Micro Edition of the Java 2 Platform (J2ME) meets the needs of developers creating applications for the consumer and embedded markets. No other technology provides such robust applications across so many types of size-constrained wireless and wireline devices, from mobile phones and PDAs to set-top boxes and vehicle telematics. Today, there are 579 million Java Technology-powered telephone handsets in use, available in 40 models available from 32 manufacturers, and over 750 million Java Powered smartcards have been issued.

Why Java?

The advantages of using java application are:
-          The application is Independent not dependant on any entities like Telco.
-          Highly Secured and has extra levels of security in order to carry out financial transactions, security measures such as user id, PIN, HSM encryption.
-          The application is server controlled and the content is refreshed dynamically
-          Extendible services & Features.

What is GPRS?

The General Packet Radio Service (GPRS) is a new nonvoice value added service that allows information to be sent and received across a mobile telephone network. It supplements today's Circuit Switched Data and Short Message Service. GPRS is NOT related to GPS (the Global Positioning System), a similar acronym that is often used in mobile contexts. GPRS has several unique features which can be summarized as:

Theoretically maximum speeds of up to 171.2 kilobits per second (kbps) are achievable with GPRS using all eight timeslots at the same time. This is about three times as fast as the data transmission speeds possible over today's fixed telecommunications networks and ten times as fast as current Circuit Switched Data services on GSM networks. Usually the speed that mobile network operator provide and is in use is 53.6 kbps.

GPRS facilitates instant connections whereby information can be sent or received immediately as the need arises, subject to GSM coverage. No dial-up modem connection is necessary. This is why GPRS users are sometimes referred to be as being "always connected". High immediacy is a very important feature for time critical applications such as remote payment authorization where it would be unacceptable to keep the customer waiting for even thirty extra seconds.
By allowing information to be transmitted more quickly, immediately and efficiently across the mobile network, GPRS may well be less costly mobile data service compared to SMS.

GPRS facilitates several new applications that have not previously been available over GSM networks due to the limitations in speed of Circuit Switched Data (9.6 kbps) and message length of the SMS service (160 characters). GPRS will fully enable the Internet applications you are used to on your desktop from web browsing to chat over the mobile network.

What do I pay as a user for the communication – is it expensive?

Although the user is „always online“, the user is not being charged for time of usage. Since GPRS networks break the information to be communicated down into packets, at a minimum, a GPRS network needs to be able to count packets to charging customers for the volume of packets they send and receive. Meaning that the user is being charged for the volume of data that are being transmitted. Typically a bill payment transaction or SimSim reload transaction requires a very small set of data. The transaction cost is very small.

How do I register for the service?

1.  The User sends a SMS to a short number (to OAC) requesting to subscribe to the service, i.e. „Register me“

2.  The system sends back to the requester a welcome SMS with the download URL of the Java application and the requester downloads the Java application and installs it on his mobile phone.

3.   The requester opens the Java application and views the categories and clicks on „Registration“ and fills in his CPR number twice for accuracy and security and then confirms by clicking on „submit“.

4.   The system generates a unique User ID which is displayed on the screen and which is also sent via SMS

5.   Meanwhile the user‘s mobile phone has been uploaded with the encryption key via GPRS on his Java application for the encryption of the subsequent PIN authorization of the payment transactions.

How do I download my Java application?

The Java application is deployed to the end users via SMS and it can be easily downloaded to their mobile devices. The user receives in the SMS a download URL with the link to the server where the Java applications are managed. By clicking on the link the Java application will automatically download. Depending on the mobile device of the user, the application will automatically install or needs to be installed in a chosen file – mostly under „Games“, where all the other Java based applications can be found.

What is the User ID good for?

After registration to the service, the user receives a unique User ID or password. This User ID will be required every time the user opens its Java application. The purpose of the User ID is to authenticate the user and allow him to access the functionalities on the menu of the Java application. The User ID will also prevent abuse by another person, like in the case the mobile phone has got lost nobody else can possibly retrieve bill data.

How do I get my User ID?

After the user has successfully finalized its registration, the system generates a unique User ID which is displayed on the screen of the mobile device in the Java application. The User ID is also sent via SMS for future reference.

I have forgotten my User ID – where can I get a new one from?

(I need some input form the technology side here) maybe in the „Configuration“ menu we can provide a function for this purpose – „get new User ID“ by indication of the CPR number, however, I would also ask for a ATM PIN as an authentication feature in order to avoid abuse ...   how can this be handled??

How do I pay bills with my Java application?

After the user has opened his Java application, the application immediately asks for user credentials (User ID). Once entered and verified, the customer can move ahead to the bill inquiry and payment process in the menu of the Java application. After selecting Bill Pay on the menu, the user can choose the bill originator. The billed amount is retrieved from the System and displayed on the screen including an extract of the billing data. The user can now opt to PAY, and the billed amount is selected by default. After that step the user can now choose the payment method he would like to use. On the screen he will see the available options, like Bank Account, or Visa, MasterCard, American Express. After selecting the preferred payment option, the user is now asked for his ATM PIN number in case of Bank Account option (ATM related). If the selected payment option is a Credit Card, no ATM PIN is required. The User can immediately proceed to confirm the payment. On authorizing the payment, the transaction is being processed and a response code with the transaction reference is displayed on the screen. The user can find these transaction details for future reference in his Java application under „Transaction History“.

What payment options can I use?

The following payment options are available for bill payment and Sim Sim refill:
•           Bank Accounts
•           Visa
•           MasterCard
•           American Express

Is my PIN being encrypted when I authorise a payment with my Java application?

Yes, the PIN is being encrypted from the mobile device to the banking systems at bank level encryption, as at ATMs or EFT-POS terminals in the shops. The encryption algorithm that is being used is a triple DES 16 character hex string, which is considered bank level encryption.

What if I loose my mobile phone?

The Java application is protected with a unique User ID. Without the User ID the Java application cannot be opened and will not provide access to any bill data or any transaction history.

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