Indeed as Nizam said, you need to use the AT comamnd set for SIM 
Application Toolkit
You can find description of such AT commands in 3GPP TS 27.007 ( Chapter 12 
on my version - 10.7.0 )

I've been working with SimToolkit Applications in the past and from my 
experience I cand say that you need a lot of practice and time to acomplish 
a successful application. You also need to check if you modem supports that 
command set for STK.

In my opinion the effort to develop such an application it's a bit too high 
compared to the other possibility to make a call or send an SMS or an USSD. 
( things already implemented in SMSLib )  I am saying that because in the 
background that's what the STK application does, takes your input and packs 
it somehow and sends it via SMS or USSD ( most certainly via SMS - it's the 
most supported way of communication by the phones)

Regards,
MaxX


On Monday, July 30, 2012 5:25:28 PM UTC+3, Nizam wrote:
>
> It can be done with smslib. First, you need a modem that supports 
> accessing SIM Application Toolkit based apps on the SIM. Each modem vendor 
> has their own proprietary API. Next you will need to make changes to smslib 
> code to access this API. Finally you can use Hyperterminal to determine the 
> exact sequence of commands required by your specific "reload" app and 
> implement it in your client code.
>
> --Nizam
>
> On Monday, July 30, 2012 12:12:18 PM UTC+5:30, zahid wrote:
>>
>> Hi Maxx,
>> Thanks for your reply. I know  smslib does not provide "load balance" 
>> functionality. But what I want to know is that how can I do that with it.
>> In my country the following steps need to be done to reload balance in 
>> mobile
>>
>>    - From mobile SIM there is a menu for reload
>>    - If you go inside that menu then you will prompt to give the number 
>>    where you want to sent balance.
>>    - if you give the number then it ask for how much amount you want to 
>>    sent
>>    - and at the end it aske for the pin code and then you sent it and 
>>    reload the blance
>>
>> Can the above steps done by SMSLIB. as far I understand it needs to 
>> control the SIM menu option. Can you give me a proper guide line how I  may 
>> can do it?
>>
>> Thanks in advance
>>
>> On Friday, July 27, 2012 6:51:31 PM UTC+6, MaxX wrote:
>>>
>>> well ... 
>>>
>>> smslib does not provide "load balance" functionality of the shelf, 
>>> because there is no standard way of doing it
>>> each operator implements his own reload/topup logic 
>>>
>>> some do it via SMS some via USSD some via call to a short number 
>>> followed by some actions and the reload code 
>>> All these can be implemented via SMSLIB  you just need to know ( 
>>> reasearch ) the flow to do it and after that implement it in your 
>>> application logic
>>> SMSLIB only provides the means to do it, you have to work a bit and 
>>> implement it
>>>
>>> I am working now to implement this functionality in my application for 3 
>>> operators in Romania ( because I live here and I know the recharging flow 
>>> for each operator )
>>>
>>> Regards,
>>> MaxX
>>>
>>

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