Overdraft Protection Configuration

Dynamic Re-Authorization and Fund Locking

Enable Re-Authorization on the Configuration Server

Configure Overdraft Protection within the Product

Overdraft Protection with Legacy Equipment

Configure the Simultaneous Calls Limit on the Configuration Server

Configure Fund Locking within the Product

Limit Simultaneous Calls for a Customer.

 

In today’s business climate, securing customers’ balances and ensuring that the customers only use the service when they have sufficient funds is essential. Overdraft protection functionality helps you reach this goal. For a detailed description of overdraft protection functionality, please refer to the PortaBilling® Administrator Guide.

 

By default, the system operates in overdraft protection mode. This means that every session is authorized based on the total amount of customer’s available funds, thereby restricting the number of concurrent sessions to one. This works well for prepaid services such as calling cards, where a user makes a single call at a time.  

 

This chapter describes the overdraft protection configuration for postpaid services, which entail establishing several simultaneous sessions for a customer.

Dynamic Re-Authorization and Fund Locking

This is the most flexible overdraft protection configuration since the customer’s funds are locked “on the go,” and can update a session or initiate another concurrent one.

 

Dynamic re-authorization is fully supported by PortaSIP®, allowing your customers to initiate several concurrent sessions and protect their balance from overdraft.

 

Note that since PortaSIP® sends multiple re-authorization requests to PortaBilling®, this might impose additional load on the system.

 

Let’s take this scenario as an example of the overdraft protection configuration:

John Doe is your residential customer. He has 2 phone numbers, one for himself and one for his wife Jane and he has subscribed to A-Z calls for a unified price of $1 /min. He has $10 of available funds and may make a maximum of two concurrent calls. To prevent overdraft, you configure PortaBilling® to allocate $3 for each session and re-authorize it for $3.

Enable Re-Authorization on the Configuration Server

1.     On the Configuration server web interface, clone the existing configuration to modify it.

2.     From the Configuration tree select ClusterSuite ->PortaSIP Cluster -><your_sip-cluster>MUB2bua group and set Yes for the allow_reauth option.

 

Enable re-authorization

 

3.     Click the Save button and then the check_apply Verify button.

4.     Verify the new configuration and click the check_apply Check / Apply button.

Configure Overdraft Protection within the Product

1.     On the Product Management page, click the product name to enter the Edit Product form.

2.     On the Usage Charges tab, click the WorC267 Advanced Configuration icon.

 

Configure overdraft protection within the product

 

3.     In the Usage Charges Entry dialog window, configure the following options in the overdraft protection section:

·       Specify 3.00000 for the Lock at least … for each session option.

·       Specify 3.00000 for the Each fund lock allocates no more than option.

·       Enable the Send alerts when overdraft is detected check box to receive notifications in case of overdraft.

4.     Click Save to save the changes.

5.     Click save_close Save & Close to save the product configuration.

 

When customer John Doe makes a call, the following occurs:

PortaBilling® allocates $3 for this call and computes the call duration at 3 minutes. The amount of available funds is $7. After 2 minutes, his wife Jane makes a second call. PortaBilling® analyzes the amount of funds available ($7) and allocates $3 for this call to last 3 minutes. The amount of available funds remaining is $4.

 

John is still on the phone, therefore PortaSIP® re-authorizes the call in PortaBilling®. PortaBilling® allocates $3 for another 3 minutes from the amount of available funds ($4) leaving $1 available.  

 

When PortaSIP® sends the re-authorization request for Jane’s call, PortaBilling® locks the remaining $1 of available funds and computes the call duration at only 1 minute.

 

Since no more funds are available, John is disconnected 6 minutes after his call initiated while Jane is disconnected after 4 minutes of making her call. PortaBilling® produces two xDRs for these calls, for $6 and $4, respectively.

Overdraft Protection with Legacy Equipment

If your gateway is not capable of dynamic re-authorization, you must disable the overdraft protection to be able to establish simultaneous sessions. Although this could open up the possibility of overdrafts (since each session will be authorized based on the total amount of customer’s funds), you can diminish that by configuring PortaBilling® to lock the optimal amount of customer’s funds for a session.

 

Consider the following example:

You are the IP Centrex solution provider. A small company, Easy Call, is your postpaid customer. Their staff consists of only three people; therefore, they need to be able to make simultaneous calls. Their credit limit is $10.

 

To secure the customer’s balance, you limit the number of simultaneous calls to 3 and configure the maximum amount of locked funds to $3 for every call.

Enable the Simultaneous Calls Limit on the Configuration Server

In order to limit simultaneous calls, configure PortaSIP® to send accounting requests to PortaBilling® when a call is connected.

 

1.     On the Configuration server web interface, clone the existing configuration to modify it.

2.     From the Configuration tree select ClusterSuite ->PortaSIP Cluster -><your_sip-cluster>MUB2bua group and set Yes for the send_start_acct option.

 

Enable the simultaneous calls limit

 

5.     Click the Save button and then the check_apply Verify button.

3.     Verify the new configuration and click the check_apply Check / Apply button..

Configure Fund Locking within the Product

1.     On the Product Management page, click the product name to enter the Edit Product form.

2.     On the Usage Charges tab, click the WorC267 Advanced Configuration icon.

 

Configure fund locking

 

3.     In the Usage Charges Entry dialog window, configure the following options in the overdraft protection section:

·       Specify 3.00000 for the Limit maximum locked funds for each session to option.

·       Enable the Send alerts when overdraft is detected check box to receive notifications in case of overdraft.

4.     Click Save to save the changes.

5.     Click save_close Save & Close to save the product configuration.

Limit Simultaneous Calls for a Customer

To configure a limit on simultaneous calls for a customer, follow these steps:

1.      On the Customer Management page, click the name of the customer to modify their service configuration.

2.     Go to the Service Configuration tab.

 

Limit simultaneous calls for a customer

 

3.     In the Voice Calls section, select Yes from the Limit Simultaneous Calls list.

4.     Specify the maximum number of simultaneous calls allowed. This allows you to limit the number of concurrent calls for this customer’s accounts.

5.     Click save_close Save & Close.

 

When Easy Call’s staff make simultaneous calls, the following occurs:

·       When the first call starts, PortaBilling® allocates $3 and computes the call duration based on total funds available ($10).

·       When the second call begins, PortaBilling® analyzes the customer’s funds. There is a $7 balance, since $3 became locked for the first call. PortaBilling® allocates $3 and computes the call duration based on the remaining funds ($7).

·       When the third call is initiated, PortaBilling® allocates $3 to authorize it but computes the call duration based on the $4 remaining.