101 LOCKER

Tech-innovation company

  • 101 LOCKER is a specialized DLC and security platform dedicated to securing handset finance loans and mitigating EMI default risks.

Serves As

  • DLC solution.
  • For All Mobiles (Android) In India.
  • Payment Mandate Partner.

The technology you use impresses no one. The experience you create with it is everything.

Sean Gerety

REAL-TIME LOCK & UNLOCK

    Instantly protect loan default cases by locking or unlocking mobile devices remotely through our secure management console. Restrict smartphone access immediately if an installment payment fails, and automatically restore functionality once the transaction succeeds. Keep handset compliance and collection status firmly at your fingertips.

AUTOMATED E-MANDATES

    Simplify billing and eliminate delayed collections using standard UPI AutoPay. Enable seamless auto-debit configurations for recurring installment cycles, letting the platform automatically schedule and recover monthly due balances direct from the customer's account.

OVERLAY REMINDERS

    Ensure clients stay aware of payment deadlines without manual intervention. Send customizable SMS notifications and interactive full-screen payment reminders directly to customer devices, urging them to make payments and guiding them straight to payment links.

OFFLINE BYPASS CODES

    Keep devices secure and maintain accessibility even when data networks are unavailable. In case a customer's phone is locked and they lack active internet access, generate secure offline bypass codes from the backend panel to temporarily unlock the device upon manual code entry.

SEAMLESS KYC & ONBOARDING

    Streamline loan underwriting and device registration on the spot. Perform instantaneous catalog-eligibility lookups via device IMEI, capture and store identity proofs, address verification, customer profile photos, and binding digital signatures for secure device enrollment.

SECURE mPIN & ANTI-BYPASS

    Enforce bank-grade security rules across the entire distribution network. Crucial commands—such as manual unlocking, device uninstallation, and payment mandate cancellations—require secure, user-specific mPIN authorization to prevent local tempering or dealer bypass.

BUSINESS BENEFITS

How 101 Locker drives growth and risk mitigation across the entire ecosystem

Lenders & Financiers

  • Reduce Default (NPA) Rates: Immediate remote device locks significantly boost user repayment compliance.
  • Lower Recovery Cost: Eliminate manual tracking overhead with automated UPI AutoPay and scheduled mandate collections.
  • End-to-End Underwriting: Full validation with secure IMEI checks and digital customer KYC records.

Mobile Retailers

  • Boost Sales Volume: Confidently finance high-ticket smartphones to credit-builder or unbanked clients.
  • Zero-Touch Setup: Fast, automated customer enrollment using instant pre-check IMEI catalog eligibility.
  • Secure Shop Stock: Restrict demo and retail models to specific operational locations to prevent theft.

Distributors

  • Track Key Allocation: Real-time licensing balance tracking across all nested sub-distributor levels.
  • Instant Revokes/Credits: Transfer or recall key quantities dynamically to match dealer sales demand.
  • Complete Transparency: Comprehensive transaction histories and audit logs for license control.