The present invention relates to telephone services and related telecommunication network implementations, particularly a method for enabling calling subscriber with insufficient ac-count balance to connect or communicate with called subscriber in various ways and also providing him/her with talk-time advance and various recharge options with the consent of calling subscriber. Further, sending acknowledgement to the calling subscriber on comple-tion of the opted activity.

PRIOR ART AND PROBLEM TO BE SOLVED

Mobile technology is advancing day by day in comparison to other industries, helping sub-scribers to connect globally and generate business. However, advancement in technology is also bringing limitations with it. The mobile services are interrupted, when a subscriber runs low on balance or becomes insolvent i.e. having insufficient /zero balance in his/her mobile account with the network provider. Currently, if a subscriber wishes to communicate with another party and does not have sufficient balance in his/her mobile account with the net-work operator, subscriber cannot communicate. This situation is problematic for the sub-scriber especially in case of urgency.

There are solutions available that allow calling subscriber to notify called subscriber, in case calling subscriber is insolvent. For example, when an insolvent subscriber ‘A’ attempts to call subscriber ‘B’, then network is configured in such a way so as to send an SMS or missed call to subscriber ‘B’ as a notification of the call attempt by subscriber ‘A’, without the consent of subscriber ‘A’. Therefore, in case of insolvency of caller, a message is sent to subscriber B, but subscriber A’s consent is not taken into account. Another problem with ex-isting solutions is that although a missed call is sent out without the subscriber A’s consent, there is no acknowledgement given back to subscriber ‘A’ of the successfully sending of the missed call to subscriber ‘B’. There is no way of informing subscriber ‘A’ about the same in existing solutions. In such instances he/she might be waiting for the call back from subscrib-er ‘B’, but since subscriber ‘B’ does not get the notification, he/she would not call back, keeping subscriber ‘A’ always in uncertainty of whether the SMS/missed call has actually been sent or not.

Also in existing solutions, there is no control on number of times a missed call can be given to the subscriber ‘B’. Since the network is configured to send out a missed call every time a call attempt is made by an insolvent subscriber, he/she can keep trying to call the subscriber ‘B’ and subscriber ‘B’ would keep receiving the missed calls. Further, giving missed calls impacts the revenue of network owners, as it does not affect the mobile account balance of the subscriber, but takes up network resources. In some parts of the world, missed calls are used as a means of signaling among subscribers to indicate about a particular event. The event is described by the number of missed calls given in a particular time frame. If the sub-scribers are able to give unlimited missed calls even in case of low or insufficient balance, then they would seldom buy balance to their mobile accounts to make calls, causing a huge revenue loss to the service providers.

Further, when a subscriber is recharging the mobile account, subscriber is not aware of all the available recharge options/packs/offers. The service providers promote the packs availa-ble, but the information about them may not be readily available to subscriber. For most of the people the best way to get this information is through the outlet from where the sub-scriber purchases the SIM (Subscriber Identity Module) card or recharge packs. Even in such cases, the onus of knowing all the various recharge options lies with the person at the outlet. There is again a high probability that the person would not be able to guide the sub-scriber of best recharge options because of various reasons like, the recharge options/offers from operator keep changing on a regular basis, and for the person at outlet to know about all the options at all times is highly unlikely. Similarly, the subscriber usage pattern also keeps on changing from time to time. Therefore, it is unlikely that the person at retail outlet studies the usage pattern and suggests the best recharge options available to subscribers. So there is a probability that many prepaid subscribers have not availed the options/packs that are best suited for their usage pattern. This is also a big problem for operators or service pro-viders as they deploy various mechanisms to take care of the above problem. For example, they spend considerable amount of time in training their distributor/dealer/retail network about new offers/schemes. This is done through direct meetings or through SMS/Calls etc. Operators also spend a lot of money on Above the Line (ATL) promotions (TV, Radio etc.) for informing the subscribers about some new recharge options. This information is also pro-vided through SMS/USSD/Flash SMS to the subscribers, but it is possible that subscribers do not know how to read an SMS or might even skip it or do not find the information in SMS relevant at that point of time. Operators also use Out Bound Dialer (OBD) to send out the information but again the subscriber might not pick the call or the information might not be relevant to subscriber at that particular time. Also another problem which has come into play in recent times is that the USSD/OBD/SMS or any other direct communication on the subscriber’s number by the service provider is barred as a medium of communication in many countries around the world and therefore this medium cannot be used.

There are solutions available to provide sponsored calls to subscriber, however the solvency of the subscriber is not checked. Therefore, subscriber can avail the service even if having sufficient funds in his/her mobile account to make a call. This affects the revenue generation of the network owners and also the budget of the advertisement providers. There are also times when subscribers avail such service time and again, causing loss of revenue to the ser-vice provider.

Other options are available where the subscriber takes a talk time advance for his/her mobile account to make calls by dialing a USSD code or a short code and goes through a compli-cated process to avail the same. Such a process becomes cumbersome for subscribers espe-cially who are not educated enough to navigate through the process of getting an advance. Also it is difficult for the network provider to convey the same to the subscribers about the USSD service and also for the subscribers to remember the code to be used to avail a ser-vice.

The present invention solves the aforesaid problems and provides a method for enabling the insolvent calling subscriber to connect or communicate with called subscriber in various ways, only with the consent of the calling subscriber.

SUMMARY OF THE INVENTION

The primary object of the invention is to provide a method for enabling calling subscriber with insufficient balance to connect or communicate with called subscriber and provide talk-time advance and various options to recharge his/her account.

Another object of the invention is to take the consent of insolvent calling subscriber prior to connecting or communicating with the called subscriber.

Another object of the invention is to provide calling subscriber with options based on the calling subscriber’s calling history, recharge history and any other such information.

Another object of the invention is to provide the calling subscriber through voice based menu, options such as a missed call, a notification call, providing fund/ easy recharge, providing talk time based on loyalty points, information on various recharge packs available, sponsored call, sending message on social networking platform and other such options.

Another object of the invention is to provide dynamic voice based menu options to the call-ing subscriber based on his/her usage history.

A further object of the invention is to provide no notification to the called subscriber in case insolvent calling subscriber does not select any option to connect with called subscriber.

A yet another object of the invention is to provide acknowledgement to the insolvent calling subscriber about success or failure of the opted activity.

The aspects of the present invention are disclosed along with other objects and advantages of the present invention which will become apparent from the following description taken in connection with the accompanying drawings, wherein, by way of illustration and example..

BRIEF DESCRIPTION OF THE DRAWINGS

The present invention will be better understood after reading the following detailed descrip-tion of the presently preferred aspects thereof with reference to the appended drawings, in which:

Figure 1, illustrates the architecture of present invention.
Figure 2, illustrates the process of present invention when the insolvent calling subscriber se-lects the automated voice based option of informing the called subscriber with a missed call.
Figure 3, illustrates the process of present invention when the insolvent calling subscriber se-lects the automated voice based option of informing the called subscriber with a notifica-tion call.
Figure 4, illustrates the process of present invention when the insolvent calling subscriber se-lects the automated voice based option of advertisement call.
Figure 5, illustrates the process of present invention when the insolvent calling subscriber se-lects the automated voice based option of availing talk time based on loyalty points.

DETAILED DESCRIPTION OF THE INVENTION

The following description describes various features and functions of the disclosed methods with reference to the accompanying figures. In the figures, similar symbols identify similar components, unless context dictates otherwise. The illustrative method aspects described herein are not meant to be limiting. It can be readily understood that certain aspects of the disclosed methods can be arranged and combined in a wide variety of different configura-tions, all of which are contemplated herein.

The subject matter described herein is directed to a method for enabling the calling sub-scriber to connect or communicate with the called subscriber via network devices (e.g. mo-bile, tablet and other such devices), even with no or insufficient mobile account balance and complete the call. The present invention can be used in plurality of existing mobile telecom-munications systems such as GSM, 3G, CDMA, WCDMA, VoIP and VoLTE.

Referring to Figure 1, which illustrates the method of working of present invention on a tel-ecommunication platform. The platform contains BSS 7, which takes care of the billing of the subscribers and maintaining the account balance details. SCF 6, which in an interface be-tween the BSS 7 and SSF 5 and also checks the insolvency of the subscriber. The SSF 5, is the interface between the Centralized Platform 10, consisting of server/ group of servers, which provides various options to the insolvent calling subscriber through dynamic automat-ed voice based options menu and the Existing Network Operator 2, to initiate the opted ac-tivity and to complete it. The Centralized Platform 10, is connected to various components such as Promotion Provider 8, which provides the best suited recharge options for the sub-scriber, an Advertisement Provider 9, which provides the advertisements for sponsored calls, a Loyalty Point Provider 13, which provides the talk time based on loyalty points of the subscriber and a Payment Module 14, responsible for allowing the subscriber to make payment to recharge the account. All the stated components of the architecture are may be third party components or a part of a single entity.

When an insolvent calling subscriber attempts to call, he/she is provided with automated voice based options (using Centralized platform) such as a missed call, a notification call, providing fund/ easy recharge, providing talk time based on loyalty points, information on various recharge packs available, sponsored call, sending message on social networking plat-form and other such options. In case of insolvent calling subscriber, the call is routed to the Centralized Platform by the calling subscriber’s network operator. The various options to be provided to the calling subscriber is determined by the centralized platform based on sub-scriber’s calling history or any other factor. In case the calling subscriber does not select any option, no notification is sent to the called subscriber.

Referring to Figure 2, if the insolvent calling subscriber selects the option to give a missed call to the called subscriber, the selected missed call option is processed by the centralized platform. A new call is initiated towards the called subscriber by the centralized platform having calling subscriber’s number as caller line identity and the ongoing call is continued. The new call is disconnected after providing enough information to the called subscriber. Acknowledging the calling subscriber about the success or failure of the selected activity or option on the ongoing call, or if the call is disconnected before calling subscriber is acknowledged then an Out Bound Dialing (OBD) call, an SMS, a Flash SMS, WAP Push, a USSD message or any other such communication is sent to the calling subscriber to report the success or failure of the opted activity or option.

A missed call is a telephone call which is not picked by the called subscriber and where the calling and the called subscriber are not able to communicate with each other.

If the insolvent calling subscriber selects the option to give a notification call to the called subscriber, as per figure 3, the selected notification call option is processed by the central-ized platform. A new call is initiated towards the called subscriber by the centralized plat-form having calling subscriber’s number or any other number as caller line identity and the ongoing call is continued. The new call is disconnected after playing an automated voice message or pre-recorded message to the called subscriber informing that caller is not able to reach the called subscriber. Acknowledging the calling subscriber about the success or fail-ure of the selected activity or option on the ongoing call or if the call is disconnected before calling subscriber is acknowledged then an Out Bound Dialing (OBD) call, an SMS, a Flash SMS, WAP Push, a USSD message or any other such communication is sent to the calling subscriber to report the success or failure of the opted activity or option.

A Notification call is a time bounded telephone call in the form of an automated voice mes-sage or pre-recorded message which is received by the called subscriber containing the in-formation of calling subscriber such as CLI or any other information. In a notification call, the calling and the called subscriber are not able to communicate directly with each other.

As shown in Figure 2 and 3, when the calling subscriber with insufficient funds selects the automated voice based option of informing the called subscriber with a missed call and/or notification call, the network operator of the calling subscriber connects or communicates with the network operator of the called subscriber through the Centralized platform placed in between the two network entities and a missed call and/or notification call including the details of the calling subscriber is sent to the called subscriber.

The missed call and/or notification call is a new call originated from the Centralized plat-form upon receiving consent for the same from the calling subscriber. The missed call and/or notification call as explained above are not generated automatically and the calling subscrib-er also receives an acknowledgement about the success or failure of the missed call and/or notification call sent to the called subscriber. In case the missed call and/or notification call is not sent, as called subscriber is not available/reachable or called subscriber’s device is switched off, the calling subscriber is acknowledged about failure to complete the opted ac-tivity. The Centralized platform then keeps on trying to send the missed call and/or notifica-tion call to the called party for a particular time frame after receiving consent from the call-ing subscriber. In case the missed call and/or notification call is successfully sent, the calling subscriber is acknowledged about the same via an SMS or an OBD call or any other com-municating service.

The calling subscriber also gets to decide upon whether to connect to the called subscriber or not. For example, a calling subscriber trying to call a business partner/ client, does not wish to give a missed call and therefore the calling subscriber’s consent is taken for a suitable course of action.

When an insolvent calling subscriber attempts to call the called subscriber, the calling sub-scriber is also given voice based option regarding various recharge packs available for get-ting funds into his/her mobile account with network operator. The calling subscriber is pro-vided various latest recharge packs available by the centralized platform. The calling sub-scriber is provided an updated information about various recharge packs for availing balance as per calling subscriber’s usage behavior, calling history and other such factors. A single re-charge pack or message can also be offered to all the insolvent calling subscribers despite their calling history. This way some information can be broadcasted to all low balance sub-scribers. The information can be for a new branding campaign, a new product launch or any other information the network operator deems useful.

Using the present method different options can be played each time an insolvent calling subscriber calls in a given time frame. If an insolvent calling subscriber is registered with payment wallets or the credit or debit card details or banking details are saved with network operators then the Centralized platform can facilitate the insolvent calling subscriber to re-charge his/her account on the ongoing call. This saves subscribers a lot of hassle to again use some medium to recharge/top-up their accounts.

Referring to Figure 4, if an insolvent calling subscriber selects sponsored call, a voice adver-tisement is played to the calling subscriber. The calling subscriber is then credited a suitable amount or free calling time in the mobile account with network operator, on completion of the advertisement. The free calling time or amount credited to the calling subscriber is based on amount the advertiser pays for the advertisement or any other suitable parameter. The present invention allows the advertising parties to advertise and pay for a call. The type of advertisements can be customized and may be based on various demographical, geograph-ical, sociological, psychological and other such parameters. For example, it is beneficial for an advertisement agency to play an advertisement of a low cost FMCG product to subscrib-ers who have a certain recharge pattern and a high cost FMCG product to subscribers re-charging with high recharge value, as they are possibly the most appropriate people to use the service. This implementation of payment method for a call can be used by all the seg-ments of a market or any marketer to reach to their desired potential customers.

In case the insolvent subscriber selects the option of availing talk time, the loyalty point pro-vider checks for the subscribers loyalty towards the network provider based on criteria de-fined by the service provider, as per Figure 5. The subscribers who are most loyal and if pro-visioned by the provider are having some loyalty points accumulated in their account, then against those points some talk time can be provided to those subscribers to continue making a call. The amount of talk time provided may vary based on the rules set by the network provider on the basis of subscriber categorization. There can also be a case where the loyalty of the subscriber is very low, in such cases the talk time provided as an advance, can be re-turned by the subscriber on subsequent recharge of the account with or without an interest as decided by the network provider.

The advance talk time provided can be in the denominations of currency based on the agreement between the calling subscriber and the network operator. The calling subscriber is informed about the success or failure of credit of talk time. The calling subscriber now has sufficient balance in his/her account with network operator and can make the call. If the calling subscriber again runs out of the advance provided and tries to make a call, Central-ized Platform then also pre-determines if the calling subscriber is eligible for taking advance again. If the calling subscriber is not eligible, he/she is not provided with this option by the Centralized platform. This avoids unnecessary confusion and time wastage in listening to an option for which calling subscriber is not even eligible. Also it helps in capping the amount of advance tall time and the number of times a subscriber avails it.

The present invention also facilitates calling subscriber to recharge in his/her mobile account with network operator. In order to make payment for getting balance, the calling subscriber can use mobile money payment or electronic money transfer. The payment can also be made using credit or debit cards, details of which are already saved with the network operator. The online payment mode can also be opted to make payment if online bank account cre-dentials are shared with the network operator. The option of purchasing funds through au-tomated voice based option allows insolvent calling subscribers to recharge the account at the earliest without any delay. If the credit or debit card/bank account details are not saved with the network operator, then the calling subscriber is requested through centralized plat-form to enter the details on call itself or a web-link or other communications can be sent to the calling subscriber after the call ends, to register his/her credit or debit card details/ mo-bile money or other banking details.

The calling subscriber can also opt for USSD menu, on selection of purchasing funds option from the automated voice based options menu. If USSD mechanism is chosen, the call is disconnected and calling subscriber is provided with a USSD message using which he/she can make a payment to purchase funds.

The present invention also facilitates insolvent calling subscriber an option to send message on called subscriber’s social networking platform. The said option is processed by the cen-tralized platform on its selection and the ongoing call with the calling subscriber’s network operator is continued. The calling subscriber is then requested by the centralized platform to select the social networking platform to send a message to the called subscriber. The acces-sibility to the calling subscriber’s social network account to send a message is checked by the centralized platform. On receiving the selected social networking platform details, a de-fault message or pre-recorded message is sent to the called subscriber on the selected social networking platform by the centralized platform. The calling subscriber is acknowledged about the success or failure of the selected activity or option on the ongoing call or if the call is disconnected before calling subscriber is acknowledged, then an Out Bound Dialing (OBD) call, an SMS, a Flash SMS, WAP Push, a USSD message or any other such commu-nication is sent to the calling subscriber to report the success or failure of the opted activity or option.

The automated voice based options menu is not fixed or has definite options and can be based on insolvent calling subscriber’s calling history and many other factors or as defined by the network service provider. The number of times the insolvent calling subscriber avails a particular service from the automated voice based options menu is accounted by the cen-tralized platform and hence options in the menu are changed accordingly in order to avoid exploitation of the services.

In Figure 1, if User A 11 (insolvent calling subscriber) choses the option to purchase funds in his account with network operator, User A 11 is given options regarding various packs available which are sent by the Promotion Provider 8 or User A11 can enter an already known pack. User A 11 can also purchase funds through mobile wallet system, credit or debit card, online banking or can avail the USSD recharge service.

If User A 11 choses payment via mobile wallet, Centralized platform 10 requests the Pay-ment Module 14 to fetch the amount balance of User A 11 in the mobile wallet registered with User A 11’s number. Once User A 11 confirms the transaction, Centralized platform 10 informs the Payment Module 14 and the amount is then transferred by the Payment Module 14 from user’s mobile wallet to purchase a fund.

If the User A 11 chooses payment via credit card or debit card, Centralized platform 10 connects the call to the Payment Gateway of the Payment Module 14. User A 11 completes the transaction by entering its credit card or debit card details and the amount to be trans-acted. The Centralized platform 10 then informs the Payment Module 14 and the amount is then transferred by the Payment Module 14 from user’s credit or debit card to purchase a fund. In case the credit or debit card details are already stored, the user is not asked to enter the details again.

If the User A 11 chooses to view the USSD menu for the payment option and packs, the Centralized platform 10 pushes the USSD menu to the User A 11.

Further on purchasing balance to the account with network operator, the subscriber may get loyalty points which are also added to the account which can be utilized at a later time. The option of buying balance to mobile account, the maximum and minimum amount and vari-ous amount options to offer are decided based on subscriber’s usage history, customer seg-ment or any other parameter as decided by the network operator.

In the present invention, the calling subscriber can avail free calling balance or minutes with respect to the deduction of appropriate loyalty points from the calling subscriber’s mobile account. .

This option can also be made available for specific subscribers, for example, but not limited to subscribers those who regularly maintain their account but due to some reason are out of balance and therefore are eligible to avail these collected loyalty points.

These loyalty points may also be given to a subscriber by network operator based on various parameters like association of the subscriber with the network operator, recharge pattern, calling pattern and any other such parameters.

As shown in Figure 1, Network Operator 1 comprises Operator Platform 2 and Centralized platform 10. Normally, when a calling subscriber A 11 with low balance tries to call another subscriber B 12, an IAM/INVITE (Initial Address Message) of SS7 protocol is generated towards the MSC 4 of Operator platform 2. The call is directed to SSF 5 which uses CAM-EL/INAP messages to communicate with SCF 6. The SCF 6 in turn requests for the calling Subscriber A 11’s balance from BSS 7. SCF 6 on getting an Insufficient funds response from BSS 7 generates an ETC (Establish Temporary Connection) or CON (Connect) mes-sage, containing the called Subscriber B 12’s and calling Subscriber A 11’s Mobile Identifi-cation Number (MIN) provided by the SSF 5 to SCF 6, based on the specific implementa-tion of CAMEL/INAP standards respectively to inform SSF 5 to redirect the ongoing call to Centralized platform 10. SSF 5 utilizing this message generates an IAM/INVITE to-wards the Centralized platform 10 and the call does not get disconnected for a predefined time.

On receiving the IAM/INVITE from SSF 5, the Centralized platform 10 receives the call and connects it with the calling subscriber A 11 by an automated voice based menu options. The Centralized platform 10 based on the information of IAM/INVITE, requests the Pro-motion Provider 8 to send a prompt to Centralized platform 10 for a voice based pack pro-motion based on subscriber A 11 profile history. The said prompt is played by Centralized platform 10 during which the calling subscriber A 11, having insufficient balance is provid-ed with multiple options to reach called subscriber B12, such as by a missed call, a notifica-tion call, a loyalty call, providing balance/ easy recharge, providing a talk time advance, in-formation on various packs available, sponsored call, sending message on social networking platform and other such options.

Referring to Figure 2, if the subscriber A 11 provided the input for a missed call, the Cen-tralized platform 10 attempts a call to the MSC 4 by sending IAM/INVITE towards the called subscriber B 12. As soon as Centralized platform 10 receives the acknowledgment for IAM/INVITE from MSC 4, it releases the call.

With reference to Figure 3, if the subscriber A 11, provided the input for a notification to the called subscriber B 12, the Centralized platform 10 generates an IAM/INVITE towards the called subscriber B 12. If the call is acknowledged by MSC 4 and the called subscriber B 12 picks up the call, the called subscriber B 12 hears an automated voice message.

As shown in Figure 4, if the subscriber A 11 chooses to connect the call to the called sub-scriber B 12 by listening to a sponsored advertisement, the Centralized platform 10 requests the Advertisement Provider 9 for the voice based campaign to be played. The voice based campaign is fetched and provided to the Centralized platform 10. It is then played to the calling subscriber A 11, and then a call is attempted towards the called subscriber B 12. Once the call is acknowledged by the called subscriber B 12, it is patched for a predefined duration to the calling subscriber A 11.

Further as shown in Figure 5, the calling subscriber A11 selects the loyalty rewards option in order to reach the called subscriber in case of insolvency. The Centralized platform 10 re-quests the Loyalty Points Provider 13 for the loyalty points of the calling user A 11. If the calling subscriber A11 has sufficient loyalty points, a call is attempted to the called sub-scriber B12 by Centralized platform 10. Once the call is acknowledged, the two calls are patched for a duration determined on the basis of loyalty points received by Centralized platform 10 for the calling subscriber A11.

The present invention is useful in most of the countries where maximum population is below the poverty line or uneducated or places where the number of pre-paid/ pay as you go sub-scribers are in considerable numbers. In such a case the insolvent calling subscriber can avail the service of communicating with the called subscriber or get an advance for talk time or listen to a prompt in local language or select one of the above mentioned options to make a missed call or notification call to the called subscriber of the call attempt. The options pro-vided to the calling subscribers can be limited based on the number of missed calls and/or notification calls used by the insolvent subscribers and also the number of times the network is used without payment of money to service provider.

In this invention, subscriber gets options based on various parameters, through automated voice based options. For example, when a subscriber takes a sponsored call in a day then the next time he/she calls with insufficient balance, the subscriber may not be given an option of sponsored call. Similarly, in case of a missed call notification to the called subscriber, the calling subscriber may be given two iterations of missed call notification or as defined by the network operator (Telecom Operator).

In another example, when a calling subscriber with insufficient mobile account balance at-tempts to call another user, the calling subscriber is given options by Centralized platform. If the credit or loan history of calling subscriber is not good then only the options of missed call, notification call, sponsored call or promotion call are given and the option to take a credit or advance is excluded. If the calling subscriber chooses the option of sponsored or promotion call and when the same calling subscriber calls again with an intention of using a sponsored call again, the calling subscriber may not be given the option of sponsored call. The subscriber may only be given options of a missed call and notification call. Therefore, the invention proposed here is an intelligent method which evolves and provides options to recurring subscribers as per the usage history.

In case the calling subscriber exhausts all the options in case of insolvency, he/she only gets to listen to promotions about various packs for availing funds based on their usage history, customer segment, or any other parameter as decided by the network operator. The options provided are also based on the number of iterations of call attempts within a defined time duration such as a day, week or any other duration and not for unlimited number of times. The options provided to the calling subscriber by the Centralized platform are not restricted to the above mentioned ways. The said ways are only provided as an example and not limit-ing the scope of the invention. The person skilled in the art or service providers can custom-ize them.

The present invention can be used in a plurality of protocols for telecommunication such as RFC 3923, 3922, 3921, and 3920, SIP (session initiation protocol, IETF RFC 3161, 3GPP, OMA standard), and other proprietary protocols, such as IP Multimedia System (IMS), 3GPP 23.228.

CLAIMS:I CLAIM:1)A method for enabling insolvent calling subscriber to connect or communicate with called subscriber or providing various options to recharge and take talk time advance in the account with network operator, comprising:

checking the solvency of calling subscriber by the calling subscriber’s network opera-tor when the calling subscriber calls the called subscriber;

routing the call of insolvent calling subscriber to Centralized platform by calling sub-scriber’s network operator;

determining the options to be provided to the insolvent calling subscriber by the Centralized platform based on subscriber’s calling history or any other factor and providing the same to the insolvent calling subscriber;

processing the input by the Centralized platform selected by the insolvent calling subscriber from the options; and

sending an acknowledgement to the calling subscriber by the Centralized platform about success or failure of the opted activity.

2) The method as claimed in claim 1, wherein the Centralized platform consists of server or group of servers that provide various options to the insolvent calling subscriber.

3) The method as claimed in claim 2, wherein providing various options to the insolvent calling subscriber by the Centralized platform is through an automated voice based options menu, where the options include but are not limited to, a missed call, a notification call, a loyalty call, a sponsored call, purchasing balance to mobile account or easy recharge options, providing advance talk time, providing information on various packs available and sending message on social networking platform.
4) The method as claimed in claim 3, wherein the automated voice based option menu is dynamic and based upon the insolvent calling subscriber’s calling history, recharge history and any other such information.

5) The method as claimed in claim 1, wherein the acknowledgement of the opted activity to the calling subscriber can be on the same call or if the call is disconnected prior the acknowledgement, then an Out Bound Dialing (OBD) call, an SMS, a Flash SMS, WAP Push, a USSD message or any other such communication is sent to the calling subscriber.

6) The method as claimed in claim 1 and claim 3, wherein selecting the missed call option provided by the centralized platform comprising:

receiving and processing the missed call input by the Centralized platform selected by the insolvent calling subscriber;

initiating a new call towards the called subscriber for providing missed call having
calling subscriber’s number as caller line identity;

continuing the ongoing call with the calling subscriber’s network operator;

disconnecting the new call after providing enough information about notification of this new call to the called subscriber; and

acknowledging the calling subscriber by the centralized platform about success or
failure of the opted activity over the ongoing call, or if the call is disconnected prior
the acknowledgement then an Out Bound Dialing (OBD) call, an SMS, a Flash SMS,WAP Push, a USSD message or any other such communication is sent to the calling subscriber.
.

7) The method as claimed in claim 1 and claim 3, wherein selecting the notification call option provided by the centralized platform comprising:

receiving and processing the notification call input by the Centralized platform, where the input is selected by the insolvent calling subscriber;

initiating a new call towards the called subscriber for providing notification call hav-ing calling subscriber’s number or any other number as caller line identity;

continuing the ongoing call with the calling subscriber’s network operator;

playing an automated voice message or pre-recorded voice message, on the new call being received by the called subscriber informing that the calling subscriber is not able to reach the called subscriber and disconnecting the new call after the said mes-sage is played; and

acknowledging the calling subscriber by the centralized platform about success or failure of the opted activity over the ongoing call, or if the call is disconnected prior
the acknowledgement then an Out Bound Dialing (OBD) call, an SMS, a Flash SMS,
WAP Push, a USSD message or any other such communication is sent to the calling
subscriber.

8) The method as claimed in claim 6 and 7, wherein in case of failure of the opted activity:
disconnecting the ongoing call with the calling subscriber by the centralized platform after informing the calling subscriber about the failure of opted activity;

requesting for calling subscriber’s consent for retrying the opted activity;

processing the opted activity by the centralized platform for a specified time frame after receiving consent of the calling subscriber; and

acknowledging the calling subscriber on successful completion of the opted activity by the centralized platform.

9) The method as claimed in claim 1 and claim 3, wherein selecting the loyalty call option provided by the centralized platform comprising:

receiving and processing the loyalty call input by the Centralized platform selected by the insolvent calling subscriber; and

providing a suitable balance amount or calling minutes by the centralized platform to the insolvent calling subscriber based upon loyalty points accumulated in the mobile account with network operator as per any of the below criterion:

providing a suitable amount of calling balance or minutes with respect to the deduction of appropriate loyalty points from the calling subscriber’s mobile account with network operator; or

providing a certain amount of calling balance or minutes with respect to the deduction of an appropriate amount and/or interest on the next recharge from the calling subscriber’s mobile account with network operator.

10) The method as claimed in claim 1 and claim 3, wherein selecting the option of updated information about various recharge packs, provided by the centralized platform comprising:

receiving and processing the input of updated information on various packs by the Centralized platform as selected by the insolvent calling subscriber; and

providing an updated information about various recharge packs available or any de-fault option as per calling subscriber’s usage behavior, calling history and other such factor.

11) The method as claimed in claim 10, wherein if the calling subscriber’s transaction account details are stored with centralized platform:

providing the options to recharge the mobile account with network operator;

selecting a recharge option or entering a known pack by the calling subscriber;

sending calling subscriber’s details along with selected amount of recharge by the centralized platform to a payment module;

processing the details received by the payment module and requesting for any other input, if required, to the centralized platform; and

acknowledging the calling subscriber by the centralized platform about success or failure of the opted activity over the ongoing call, or if the call is disconnected prior
the acknowledgement then an Out Bound Dialing (OBD) call, an SMS, a Flash SMS,
WAP Push, a USSD message or any other such communication is sent to the calling
subscriber.

12) The method as claimed in claim 11, wherein making the payment for the selected recharge pack by the calling subscriber via credit card, debit card, online banking, mobile wallets or any other similar methods available.

13) The method as claimed in claim 1 and claim 3, wherein selecting the sponsored call option provided by the centralized platform comprising:

receiving and processing the sponsored call input by the Centralized platform select-ed by the insolvent calling subscriber;

playing a voice advertisement to the insolvent calling subscriber by the centralized platform based on calling subscriber’s profile or any default advertisement;

crediting a suitable free calling time or amount on the calling subscriber’s mobile ac-count with network operator on completion of the advertisement; and

acknowledging the calling subscriber by the centralized platform about success or failure of the opted activity over the ongoing call, or if the call is disconnected prior
the acknowledgement then an Out Bound Dialing (OBD) call, an SMS, a Flash SMS,
WAP Push, a USSD message or any other such communication is sent to the calling
subscriber.

14) The method as claimed in claim 1 and claim 3, wherein selecting an option to send a message on social networking platform or any other such platform, as provided by the centralized platform comprising:

receiving and processing input of sending message on a selected social networking platform by the Centralized platform where the input is selected by the insolvent calling subscriber;

continuing the ongoing call with the calling subscriber’s network operator and
requesting the calling subscriber by the centralized platform to select the social
networking platform to send a message to the called subscriber;

checking the accessibility to the calling subscribers social network account to send a message by the centralized platform;

receiving the selected social networking platform details and sending a default mes-sage or pre-recorded message to the called subscriber on the selected social network-ing platform by the centralized platform; and

acknowledging the calling subscriber by the centralized platform about success or failure of the opted activity over the ongoing call, or if the call is disconnected prior
the acknowledgement then an Out Bound Dialing (OBD) call, an SMS, a Flash SMS, WAP Push, a USSD message or any other such communication is sent to the calling
subscriber.