Category: (2) TAM Application Type
Application Identifier: 5.19.2
Maturity Level: 4
The Balance Management applications are responsible for activities related to the creation and maintenance of the balances of a customer and/or a subscriber.  Balances may be shared (e.g. between subscribers in a hierarchy). Balance can be managed at most granule level for example at the level of subscription. 
These processes will be required to support both batch and real-time processing.
Types of balances include:
• Monetary balances 
o Prepaid balances 
o Postpaid balances 
Non-monetary balances (e.g. free minutes, WAP-only quota, tokens, etc.)
The balance management applications will support the definition of policies per balance or balance type. Policies include:
• Minimum Allowable Balance limit (e.g. balance must remain above zero). There could be more possibilities for business customer and it will be driven through policy and rule.
• Balance expiration dates. 
• Balance thresholds actions and notifications. It should support granule level of balance threshold management where balance can be managed at customer subscribed service level. 
• Roll-over and cyclic policies. 
Balance management operations include: 
• Unit reservation from a balance for a specified interval (session). Unused units are credited back into the balance when the session is released.
• Release of reserved unit 
• Balance prioritization based on policy/rules
• Balance inquiry. 
• Support for multiple simultaneous sessions that affect a common balance. 
• Replenishment (top-up, recharge) of prepaid balances from postpaid accounts (e.g. credit card or credit balance). 
• Enforcement of spending-limits and credit-control for postpaid balances. Notification and action on credit-limit based on policies/rule which could vary from customer to customer.
• Splitting charges between multiple balances. 
• Notifications upon balances reaching a configured threshold (e.g. spending limit support). 
• Credit and debit operations resulting from application of a value calculated by Charge Calculation processes.
• Application of a payment to a balance.
Communication of balance information to the financial systems (e.g. General Ledger, Accounts Receivable) within the enterprise.
Exposed 
Contracts
Balance 
replenishment - Allow the use of 
various payments to affect a balance means including vouchers, e-Transaction, 
Direct debit, Credit card or any other form of payment.   The contract may be used by many 
channels:  self-service via an IVR 
system, SMS/USSD, ATM, a web application, or with CSR assistance. 
Balance 
consumption – Allow various 
processes to reduce a balance.
Balance 
creation – Establish a new 
balance for a customer.
Balance 
inquiry.
Balance adjustments.
Service-consumption reservation and authorization-authorizes the 
request coming from the service-controller based on the customer and subscriber 
eligibility for the service (e.g. based on customer-hierarchy, purchased offers, 
credit limit parameters, bill  shock 
prevention regulation, etc. ) and on the current balance available.  Note: 
this is possibly a component of a larger scope authorization contract which can 
involve data such as identity authorization, location, etc 
Consumed 
Contracts
This was created from the Frameworx 16.0 Model