udThis paper attempts to move mobile service from information-based toudtransaction-hasetl This procedure solves a number of problems associated with cell plume udrecharge such as: network failure, recharge card fraud, and eliminationudof foreign exchange cost.udThe system involves toll-free calls to an online hank. The bank checks the status of the udaccount and sends notification to the mobile telecom operator who immediately credits the udcallers account and notification sent to both the user and the bank for account reconciliation udwith outright elimination of the Secret PIN card(Locally produced or imported). This system udrequires 110 special account but the usual current or savings account in any bank mul works on the udplatform of the existing telephone/Mobile banking technology. This gives more ease and udconvenience, reduced cost of calls tmd better management of the network as well as encouraging ud trusted banking culture.ud
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