Consolidated list of some of P. Abraham Paul’s Articles.

Consolidated list of some of P. Abraham Paul’s Articles on Information Communication Technology and Social & Community affairs.   Dated 26 July 2016

Short link:

Press Control key and click on caption below to  open the PDF document of the list and articles.

Articles and Blogs published by P. A Paul FIE, FIETE.

The views and opinions in the articles are strictly personal and not intended to offend any Individual, Organization, Institutions Community or Religion. I do not disagree with anyone who disagree my views and opinions.

P. Abraham Paul (P.A Paul).

Ex: Owner Future Communication Network (FCOMNET) UAE & India / Vice President Technical Sales,  SPCNL  SIEMENS ICN / Director TRG, SC & TS SIEMENS ICN RHQ Dubai / General Manager & SMT TBG, BPL Mobile, India / TES (I) DOT India.



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Why call drops in Mobile Telecom Service.

Why excessive Call drops in GSM Mobile Telecom Service.

Author. P Abraham Paul.                                                        10 May 2016.

Hon. Supreme Court had reversed Government’s order binding Telcos to compensate Customers for Calls drops, a good decision favoring Telcos though not for the Users.

However, it is not sure whether both Government and Telcos have analyzed the reasons and its pros and cons of increasing incidences of Call drops such as the few given below.

  1. Unmanageably higher telephone traffic load due to fast mushrooming Non-Telecom related value added services such as Mobile banking and other e-commerce services over phone links.
  2. Delay in getting connected to INTERNET servers due to low data speed and congestion in the network increasing holding time and Traffic load.
  3. Machine made spurt of Commercial advertisements and Missed calls based services overloading systems and network.
  4. Growing access to Internet service through Mobile phone connectivity. Mobile has become an inseparable “Life Science Device” and part in parcel of most of ‘Internet of Things’ (IOT)
  5. Inadequacy of Mobile system sites and spectrum to cater the end links. 3G/4G need much higher number if cell and sites than 2G.
  6. Channel stealing in weak signal points by expensive phone with high power chips at Calling or Called end leading to call drops in ordinary phones in the vicinity.
  7. Failure during handover especially while in high data usage as 3G/4G when moving over to Data and Multi media transaction while on Voice calls. (Until systems are fully migrated to IP switching end to end, 2G Voice and 3G Data are routed and switched on differed switching systems now.)
  8. Last must not the least is the poor in-house coverage being experienced with 3G service. While on the calls, speech get badly disturbed or distorted to the extent it can cause disruption the UM link and the Circuit switched path either at the calling side or at the called side. Then why search for reasons of Call Drops elsewhere?.

This can  improve only with Direct home EPON (Ethernet Passive Optical Network) which is a far cry in most palaces in India.  Telcos finding it difficult to pump in more investment inevitable to keep the business running due to slippage of revenue by disruptive technology advancement and the pity is they come up with Cock and Bull stories to escape.

There is something known as ‘Performance Monitoring’ and ‘Quality Control’ right from the Mobile Phones to Net work and Systems.  I had introduced this in one of the early GSM systems in 1995. A daily report used to be on my table in the morning. Doubtful anyone is using it now or even TRAI is insisting on it !!.

Please see my blog on ‘Impact of moving over from Voice to Data” and other blogs related to Telecom in papaulsblog in

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P. Abraham Paul.  FIE, FIETE.

OWNER FCOMNET Ex. Vice President Technical Sales, SIEMENS ICN, Germany / Director Trg, SC & TS SIEMENS ICN RHQ Dubai / G.M & SMT TBG BPL Mobile India / TES (I) DOT India.


Posted in Life science technologies, Social and Community affairs, Telecom Technology, Uncategorized | Leave a comment

Ideas for Start ups.

Ideas for the “Start ups”    (Under preparation)

Short link-

Various opportunities the Start ups to look at.

Technology area.

  1. Impact of transition from Voice to Data & Multimedia.

Major portion of data service related revenue moves from Network Operators to external Service Providers and e-Business units in PDN. There big opportunities for small time srtart ups in this arena.

Most of the advance technology systems are now the monopoly of Network Operators/ ISPs and System vendors.  It is necessary to take these out into the user premises by melding the technology with user intensive systems and applications. For the Telecom service providers, the voice call revenue is dwindling due to transition to data oriented business and competition as well as saturation of usage and they need to forge into more and more broadband products business to survive.

  1. Business opportunity in partner systems for Internet of Things. Mobile Phones as Life Science Device. (Internet of things) 

INTERNET is the best thing happened in technology in past two decades so much so that it has become a life science in humanity across the world. Opportunities opened out so far has become the catch words ‘Internet of Things’ (IOT) that is expanding day by day.

Nevertheless, IOT cannot happen by itself.  The ‘things’ in the IOT need huge variety of the partner systems comprising  Mechanical, Electrical, Electronic and Digital components and wide  variety of applications are involved in IOT implementation. This is one area having lot of opportunities for the start up companies can concentrate on.

  1. Telecom Manufacturing Sector in India.

This will also open out opportunities fir start ups in form of ancillary units supporting major telecom manufacturing.

  1. Make Telecom Systems, network, Phones, product and services for the common man.
  2. Technology based Universal Emergency support Systems, Solutions and Services. 
  3. Personal Services Outsourcing (PSO) systems & Networks. 
  4. Exclusively banked Universal Money management using phones. 
  5. Cheap Internet connectivity everywhere along with Electric supply.
  6. Innovative system for Road toll & Parking space usage charging.  
  7. Automated Parking lots over roads. 
  8. How to reduce Drunk & Drive accidents.
  9. Bio science is the way to make positive change in human behavior. 
  10. Alternate energy. Captive hydro electric and Solar systems. 
  11. Cheaper LED lamps. Make and market cheaper LED lamps, Big market there.
  12. Distributed lighting using few LED lamps. Light carried to distributed points using Optical pipes to light emitting end pieces from a single LED light source.
  13. Horticulture with drip irrigation and other technology ideas in draught prone areas.
  14. Automatic brick making systems.  
  15. Usage of idle railway land by local co-operatives. 
  16. Auto diagnosing and reporting biological condition to physicians. 
  17. Artificial Intelligence of sorts. 
  18. Low cost ERP service for small firms and start ups. 
  19. Coaching classes for house wives in Computer and Internet handling. 
  20. Short term money lending using Mobiles from home.  
  21. Home delivery of Milk and fresh vegetable kits on daily basis. 
  22. IOT ideas for future buildings,  structural and operational and maintenance.

               (Under preparation)

P. Abraham Paul. FIE, FIETE.


Posted in Ideas for start ups., Social and Community affairs | Leave a comment

Why Universal Money through Mobile (mTm)


Why Universal Money through Mobile (mTm)

Universal Virtual Banking

mTm System


Why Universal Money through Mobile (mTm).png

Power & perils of Noney going virtual


Abraham Paul P.




Posted in Economics of Money, Life science technologies, Mobile through Mobile (mTm), Telecom Technology | Leave a comment

The Essence of Religion

 The Essence of Religion.              Short link

 Author Abraham Paul P.

Please see the link or click on the caption below to view the article.

Microsoft Word – The Essence of Religion


Posted in Humanity and Religion, Social and Community affairs | Tagged | Leave a comment


POWER and PERILS OF MONEY GOING VIRTUAL.               dated Oct 25 2015

Short link

Universal mTm- System intgrated with Exclusive mTm- Bank


Money cycle in mTm

Click on the caption below to view the presentation which is self explanatory. .>>>

Microsoft PowerPoint – VIRTUALBANKS(S) (1)

  1. The idea of Government using money as a Commodity.

Governments spend quite a lot of money for Printing Money,  its safe keep, distribution, replacements and accounting of it and for preventing Black money and Counterfeits.

State, Banks and People make use of it in Physical form and also in Virtual form of sorts.

Everyone  use it profitably and multiply it, drawing more into it.

In addition to creation of MONEY, all Governments created different forms of Taxation to earn revenue for themselves. Taxes of sorts in vogue put together, cause heavy burden on people to the extent that further taxation is strongly objected by all putting constraints on Government’s Revenue.

It is only right for Governments use Money as a commodity and levy some sort need based fee, call it service charge, maintenance charge or whatever, on its use.  The charge will be applicable only on the Payer (except in exceptional cases), the person or the organization or the system make payments, that is collected autonomously at the transaction stage. That way the burden is distributed to entire population evenly, more on the rich and less on the poor.

Money being dynamic and never remain static at one point, money goes on rolling continuously non-stop, making its revenue earning potential for the Government, larger and larger.

The revenue collected thus by Governments would be enormous and much more than what is being collected in various forms of taxes now and will suffice to cover entire Government expenditure comfortably and much more for development needs without burdening people with any form of taxation GST and else.

The damage on common people can be limited to affordable levels that will be eventually much lower than all existing taxes they pay now in various forms. The rate of charge shall be such that the revenue earned can meet Government expenses on all counts. The rates of transaction fee shall be variable and need based so that it can be altered according to need. For example in case of a national calamity the rate can be raised and collect required funds immediately for it and lower it back later.

The usage fee rate can be User based, area based, amount based etc. etc.  The amount collected shall be enough to share with States and other stakeholders in the chain like Payment Gateways (Payment banks) Telcos, etc.

Please see a simple presentation in the link below explaining the idea with no jargons,  leaving it to the experts to look into and think about further.

2. The challenges are making available fail proof systems, INTERNET  CLOUD and connectivity between Reserve Bank Server and Payment Gateways to ensure on-line authentication of every virtual money transaction. In order to manage this the redundant  Technology systems with exclusive  integrated bank, and Reserve Bank server shall reside in the exclusive CLOUD. Risk area is the non-availability or failure of connectivity while on the move and in POSs everywhere.

Moreover, it can be seen that to make these systems work,  the Payment gateways associated shall be mainly Technology systems, not Banks and shall therefore, function under the ambience of the Government for obvious reasons.

3. The crux of the issue involved in Virtual money business is Money in Physical form reach and reside in Reserve bank and money in active virtual form originate and move and  reside as dynamic Wallet with its users and continuously moves and finally returns to Reserve bank to get converted into physical Money so that the quantum of physical money remains constant while Government can make enough money for its needs using money as a commodity both in its physical form as well as in Virtual form. It means the newly born payment banks have to think how they run their business.

4. Again, to prevent fast mushrooming private Virtual Money businesses disrupt legacy Banks and Banking Industry, the way out for the Government make the Banking Industry  itself convert and take over handling of Virtual money,  the way it is described herein.

5. Money going Virtual Universally can rein in extremism.

With the system in place with every Government Universally everywhere it is possible to monitor who uses the money for what purpose, to buy Bread or Bombs and Guns and control the money flow.

War is no solution. Wars kill innocents more and create more extremists. Controlling the money supply to such elements and groups is the only sure way to restrict extremism and extremist activities effectively.

6. Sizeable percentage of money transactions already happen in virtual space. By phasing out real money universally and monitoring and controlling money in its virtual form as suggested herein would help to  eliminate extremism of sorts exists across the world.   The idea is explained in detail in my blog “Power of Virtual Money, its problems and need of Regulation”  in the link

A short presentation can be seen by clicking on the caption below which is self explanatory.

Microsoft PowerPoint – VIRTUALBANKS(S) (1)

mTm with Integrated bank

Also please see a detailed write up and presentation I wrote many years back. “Exclusively banked Universal Money management systems and methods” and ‘Power of Virtual Money, its perils, Solutions and urgent need of regulation.’ in the link


By Abraham Paul. P. FIE. FIETE

Owner FCOMNET.   Ex. Vice President SPCNL SIEMENS ICN Germany / Director TRG, TS & SC SIEMENS RHQ UAE / G.M & Member TBG, BPL Mobile India / TES (I) DOT India.  P +91 471 2446644  M +91 9446322644    Tweet @pa_paul


Posted in Economics of Money, IT based services, Life science technologies, Social and Community affairs, Telecom Technology | Leave a comment

Power of Virtual Money, its problems and the need to regulate it.

The article deals with Power of Virtual Money, its problems and the need to regulate it.

Short link

mTm System

Introduction. Management of money through phones, both Mobile and Fixed ones, and using Virtual Money as a commodity can greatly boost Nation’s economy, hugely enhance Revenue for Governments discarding most of current forms of direct Taxes, considerably reduce need to print currency, reduce the malice of corruption and Black Money, restrain Terrorism by controlling money flow into the hands of  extremists. It is time the Governments world over mobilize, regulate and tap this great potential to revive their economy according to the need of the day.

Please see the paper I wrote on ‘Exclusively banked Universal Money management using phones’ for quicker Financial Inclusion in the link  which also explains in detail why Virtual Money shall be  best handled by Virtual banks. It can be seen that the fast mushrooming e-commerce and e-retail businesses involving virtual money such as Alibaba, Amazon, Snapdeal, and recent ones like Justdial, Paytm etc., etc., and the #DBT ideas are just subsets of what I have proposed in this paper many years back. In fact I had tested out this when I implemented the IN based prepaid service in one of the first GSM systems in India in 1995. It is knowing its disruptive nature, I did not venture to implemented it myself but was after #RBI and the Governments for over a decade to properly regulate it and use it for their benefit.

Please see a presentation in the link  or clicking  on the caption below.  VIRTUALBANKS_MN_IE(S) (1)

  1. India has a Billion phones (Mobile plus Landlines) and growing.

With an average transaction of Rs.10,000 per month per phone, the monthly Virtual money transaction will be about Rs.10 L Cr (Rs. 10 Trillion). Assuming that virtual money transactions and re-transactions happen on an average of 30 times a month, it will be Rs.300 L Cr per month that amounts to Rs.3600 L Cr (Rs.3600 Trillion), annual.

2. How Governments can generate revenue from Virtual Money management?

Hypothetically, by levying a 1% transaction charge on the quantum of Virtual Money  involved in every transaction, Government can fetch annual revenue of  Rs. 36 L Cr (Rs. 36 Trillion) that is more than double of India’s annual budget expenditure outlay.  The transaction charge can be partly a fixed charge and partly a variable charge according to amount of transaction involved. (The expenditure outlay of 2015-2016 India’s Central budget is only about Rs. 17.8 L Cr. that works out only about Rs.40/- per person per day which is less than current #BPLindex. What sort of development the country can achieve with it is anybody’s guess).

By going virtual, Money becomes a much higher dynamic resource and more so when almost every money transaction being done virtually and with more ease and comfort,  number of transactions, amounts transacted  and the revenue earned by it would grow multi-fold,  taking the revenue to Rs. 250 L Cr up to Rs. 500 L Cr (Rs. 250 to 500 Trillion) or more, making it possible to realize much needed drastic increase in Government’s budget outlay and/or with reduced transaction charge from hypothetical 1% mentioned above to 0.5% or as low as 0.2% keeping balance between revenue and expenditure and revenue share with other key stake holders involved, variably as needed from time to time. And with that sort of revenue earnings, Government can easily  ‘Make India a No Tax Regime. 

3. Universal application.  The idea contained  herein can find universal application irrespective of mode of currency involved. In spite of the odds, I am sure Virtual money will take over most part of money transactions within and inter-Countries across the world in near future.

The challenge is for the global companies to come up with unified Technology and Applications for downloading of Virtual Money as Data (MAD) Packets as  on-line inter-actable dynamic digital Wallets in Mobile phones and other user devices from Reserve banks through its Payment Gateways.  The system is comparatively safer as finally  Money as Data (MAD) reside only in millions of User’s  devices, hacking of it is almost impossible and also of no use.

4. Why Virtual systems, not regular banks.

Most banks, both Public and Private have its limitations to take care of the needs of the huge un-banked population, especially in the lower social and economic strata across the country. Naturally, handling of such enormously high volume of low value accounts   would eventually lead most banks to collapse due to severe HR constraints and gross customer dissatisfaction, for no fault of the banks. Of course, it will not be possible neither to bring everyone into this system nor make every phone user use virtual money route for quite some time. However, a good majority population are already using it and more could be covered as explained in my blog  Others can continue the service of regular banking system or both and brought-in, in a phased manner and then to a total no currency mode of working in due course.

5. How to go about. ‘Exclusive special purpose Digital Online Virtual Banks’ 

The way to go is to bring in place ‘Exclusive special purpose Digital Online Virtual Banks’ under the control of Reserve bank that will take care of all forms of money management using phones, both Mobile as well as Fixed, functioning with minimum human interface, across the country deploying modern technology systems and network. I had been persuading this with Government / RBI for over a decade.  It is good to see Government has finally understood this and gone ahead giving permission to implement payment banks. However, too many of them are also problem as can be seen in detailed in my paper.

mTm with Virtual Banks

6. How the Money moves – Physical and Virtual.

i) As explained in the schematic below, the physical money collected by mTm-Bank of mTm Service provider systems (Payment Gateways) is passed on to Reserve bank as ‘Real money’ ( in physical form or through banks) which remains with Reserve bank.

Money Cycle, Real & Virtual


ii) Reserve bank creates equal amount of Virtual money in it’s own internal MAD Wallet  and simultaneously create or modify user’s MAD Wallet that contain money as a bundle (not in any particular denominations) converted in the user’s chosen mode of currency according to exchange value at that instant and passed on to the users  as MAD Wallet  via the payment gateway.  Thus the Virtual Money resides in the MAD Wallet in the user’s device and Reserve Bank servers keep the virtual copy of all MAD Wallet issued by it for statistics and other legal needs.

Reserve bank call and rewrite to alter  the data in the Wallet only when user do any transaction or at the time of refilling their account, through the Payment Gateway.  The system is envisaged to have safeguards such as the MAD Wallet once issued cannot be hacked or altered by anyone  even by Reserve Bank  without receiving request from the user end via Payment Gateway with due validation processes.

iii) The physical Money received originally from the user via the payment gateways and reach the Reserve bank remain the Reserve bank and only the Virtual Money in its MAD Wallets issued in lieu of it change hands between the Users and various POSs.

iv) The Virtual money in MAD wallets in Users devices and with POSs go on circulating in virtual form with the intervention of Reserve bank and reach the Banks and back in the  Reserve bank through Banks, for conversion back to real money as and when needed.

v) The Virtual money  reaches back in Reserve bank thus goes into MAD Wallet store of Reserve Bank completing the money cycle and quantum of Physical money plus Virtual Money remains constant. This way accumulating Physical Money in Payment gateways or hoarding of it at any other middle way systems is prevented while the money created by Reserve bank in Virtual form continues to circulate that can boost the liquidity and push nation’s overall economy and prevent Black Money. Users money is safe guarded if any payment gateway or middle way systems involved go bankrupt.

7. Revenue share with other stake holders.

Telcos and other stake holders involved in the system also can prosper with appropriate revenue share by Government with them. Currently Telcos are burdened with high CAPEX & OPEX costs plus un-justified license & spectrum costs. Over and above Telecom is at cross roads being stuck up between fast changing new technologies and inability to cater such high volume of users and their diverse service demands with heavily invested legacy systems and network on one side and loss of revenue due to poaching of Telephony related Value added services revenue by various OTT services using their systems, network and customer  base on the other side. Money through Mobile mTm in the link mentioned above, is a non telephony  based  Value added service than can rescue Telcos at this  juncture with appropriate revenue share understanding with the Government/Reserve bank.

Similarly Payment Gateways can collect a fixed charge on all  POSs registered with it and also get a portion of revenue share from Government for the services rendered based on number of transactions with Reserve bank server.

8. Need of regulating virtual money businesses. What Government / RBI need do.

Of late, there had been fast mushrooming of many forms of Virtual Money businesses, both banked as well as unbanked. Over and above most retailers will implement their own payment applications keeping the Banks and Middle way systems out.  The hidden danger in this is that unless well regulated  all such Virtual Money businesses can gobble up real money will drain banks and also disrupt Nation’s economy. The heat is already on. Hundreds of seminars going on discussing about disruptive technologies of sorts but no one seem to point fingers on the problems and the dangers caused by the parallel economy happening everywhere in Virtual form without any regulation or controls of the State.

To safeguard against this, as suggested in this paper, Reserve banks be the originator and custodian of all forms of virtual money, as encoded and  encrypted ‘MONEY as Data’ (MAD) Packets’ with unique identification UR codes for every packet of virtual money as digital wallets, that will need on-line authentication of RBI in its every transaction via Payment Gateways.

Money through Mobile (mTm) envisages the idea of an exclusive virtual money management Bank integrated with a Payment Gateway that will handle all forms of money management using phones, mobile as well as fixed ones, taking care of all aspects mentioned above. Such payment gateways therefore, shall function under the ambience of the Government. Problems of having diverse systems and products in the field is explained in detail in my paper.

Government earns revenue using Virtual money as a commodity. In lieu of Money received from users in Physical form by such Payment Gateways,  Reserve bank issue Money in Virtual form  as dynamic Wallet to users. The virtual money  continuously move from users Virtual Money wallets  to POS and to Banks and finally reach Reserve bank for getting converted to physical Money.  This way the quantum of physical money remains constant while Governments can make enough revenue for its needs using money as a commodity in its Virtual form. Meanwhile Governments can save lot of money spent on printing, distribution  and up keep of Currency and also can restrict counterfeits.

9. How to minimize Impact of this on regular banks. As mentioned above un-regulated Virtual money businesses will siphon out money out of banks draining the bank and the banking industry as whole.  To prevent Virtual money businesses and Payment Gateways cause negative impact on legacy Banks and banking Industry, the Banks by itself  shall diversify doing the function forming a consortium if needed, functioning as middle way systems taking on the payment gateway functions between Users, POSs and the Reserve Bank systems, and deal with Physical Money transactions  involved in the chain as described herein above.

Role of Post Offices. Also government should think seriously to make use of the countrywide Post Office network combined with BSNL giving access and technology support to take on this as part of Financial Inclusion scheme starting with places where already eco system needed readily available and in the remote areas using GPS access that can be currently made available by ISRO without waiting for digitization with OF cable links available everywhere. This can salvage over staffed BSNL and dwindling legacy postal systems.

It means that the Government, RBI, the newly born Payment Banks and existing Banks have to think how the huge Money transactions involved in Virtual Money businesses to be handled and regulated.

Please see a small presentation on this clicking on the caption below. VIRTUALBANKS_MN_IE(S) (1)

10. Universal working. The whole idea is unique and first of its sort. The system can be adapted universally in any country  and also can interwork with the systems in other countries. Every system can handle any mode of Currency like Dollar, Pounds, Euro, Rupee etc., individually within the same system and between systems across the world.  The System take care of conversion of currency according to user’s option and based on the rate applicable at the time of transaction. India can take lead on this, perhaps the architect of Aadhar can be entrusted the implementation of mTm as explained my blogs. Government can freely used the acronym mTm and the idea contained and I will be only too glad to offer help to implement it. Pease also see my blog on this topic in the link

Money cycle in mTm

11. Virtual Money, sure way to eradicate terrorism.

Governments spend quite a lot of money for Printing Money,  its safe keep, distribution, replacements and accounting of it and for preventing Black money and counterfeits. State, Banks and People make use of it in Physical form and also in Virtual form of sorts.

Everyone  use it profitably and multiply it, drawing more into it. Government being the originator of Money it is only right that Government monitor who uses it and for what purpose. In this changing world it would wise to check whether money is used for buying bread or for buying guns and bombs.

Gone are the days of Wars, bombs, Tanks & guns. It only kill more innocents than rouges, make fugitives thus push more to  terrorism.  Moving over to Virtual Money universally, monitoring and controlling money flow and preventing it reach  wrong hands is the most effective way to restrict terrorism.  Once every money transaction done only in virtual form universally and under the watch and control of  Governments across the world, it will be possible to prevent huge amount of money flow into the hands of extremist organizations and perhaps, is the one and the only way to rein in and control terrorism across the world.

12. Technology is the real challenge. This can be done, technology for that is readily available. The challenge is only in assuring fail proof and hack proof redundant systems and real time connectivity for instant service all time on 24/7/365 basis.  The Servers in the chain at Reserve banks and Payment Gateways shall be fail proof and the connectivity shall be ensured via satellite links so that service is available instantaneously real time basis. INTERNET  CLOUD and connectivity between Reserve Bank Server and Payment Gateways to ensure on-line authentication of every virtual money transaction. In order to manage this the redundant  Technology systems with exclusive  integrated bank, and Reserve Bank server shall reside in an  exclusive  CLOUD.  Risk area is the non-availability or failure of connectivity while on the move and in POSs everywhere.

Pease see a detailed write up and presentation on this in the link. Exclusively banked Universal Money management using phones.


By Abraham Paul. P.  Owner FCOMNET. Ex. V.P. Technical Sales, SPCNL / Director Trg, TS & SC, SIEMENS ICN RHQ, UAE / G.M & SMT TBG, BPL Mobile India / TES (1) DOT India.   Tweet @PA_Paul


Posted in Economics of Money, IT based services, Life science technologies, Mobile through Mobile (mTm) | Leave a comment