PayBook's Vision: End poverty. GNU FDL Yann Geffrotin

Transcription

1 PayBook's Vision: End poverty

2 Financing education abroad

3 Paradigm Shift There is a questioning of the existing paradigm and demand change because it does not meet the demand of everyone. I studied the market for existing solutions. Not being satisfied (because if I was happy the issue was already resolved), so I decided to create this software.

4 Create a free market alternative The software is designed to build a capital market alternative to existing financial markets. The software specializes in raising funds online. It facilitates free trade in the international economy.

5 Principles and Qualities Liberty, Citizenship, Responsibility, Equality, Solidarity Open, rule based, predictable, nondiscriminatory

6 Aim Make a pilot project (functional, no set-up fees, free to use, legal, available, based on a win-win strategy) for an international trading platform from a PSP payment API (Paypal) and the FreePay Trading System (FTS) to help raise account balance of participants.

7 Result The main objective has been achieved. Example: 1234 Euros sent -> 2468 Euros received.

8 Target Target User: users of the PSP used speaking French or English and have minimal skills in finance Target Developer: programmers (preferably web developer) and / or companies wishing to establish a trading platform.

9 Strategies for doing business There are 3 possible strategies for 2 people: lose, no deal or win. (representing 9 combinations in total) The only solution that seems feasible is: win-win strategy.

10 Some Partners Payment (PSP) Picture Development Download

11 Win-Win Strategy 4 categories, 5 parts: Provider, Consumer, Competitor, Partner and Himself.

12 Business Model The advantage of the Internet user is to make profit in order to buy goods that meet their needs. The user therefore needs a trading platform. Compared to the PSP, the user earns more per transaction if he uses them up.

13 Business Model A trading platform (like FSX) can not exist without financial institution without the API provided by it, and without its users. Traditionally, a project that uses an API is the API logo identification and a link to here.

14 Business Model Payment systems have an economic model based commissions on transactions for their members. (about 2%) on Profit is directly proportional to the volume of transactions. To increase their profits, they must increase their volume of transactions. This is done through access to their information systems: the API (Application Programming Interface) that allows anyone to automate payments.

15 Business Model Even competitors have the opportunity to earn money with the system. Users can register with the link of the affiliate will receive commissions on what wins the PSP (up to 30% and limited to max 100 euros) This is not an additional cost (30-70 division). It is therefore completely transparent to the user.

16 Interoperability Create Account Supply Financial Certification Separation test and real POST or GET B2B, B2C, C2C & C2B XML

17 Consumers Secure Simple Fast 141 M number of accounts worldwide according to PayPal. The goal is not to limit it to this category but can reach the largest number of users.

18 PayPal Opportunity 141 M accounts 31 % yoy volume growth 190 countries 70+ currencies 1000s of merchants add PayPal every year PayPal helps you grow your business

19 Division of roles The software can be seen as a plugin that interacts with the main software (financial institution) to bring him a new feature. The software is an open system that sends information to the internal (history) and outside (order).

20 Schema by level Trading Trading API API Payment Payment(PSP) (PSP) Bank Bank

21 Schema with exemple API API Bank Bank

22 Dependence Dependence: saves the cost of initial capital (1 million Euros) for the creation of a financial institution issuing electronic money (in: emoney issuer) within the European Union. ref : Article 4 paragraphe 1 de la Directive CE

23 Independence: Centralized & Decentralized Architecture Trading Platform Trading Platform Payment Payment Service Service Provider Provider (PSP) (PSP) Trading Platform Trading Platform

24 Give 1 Get 2 no goods exchanged zero sum game no right of entry person to person (P2P) no risk of inverse proportionality Each user can enrich adjustable gain

25 Economical Explanation The software is not intended to create inflation Increased income players in the system thus increasing the purchasing power No increase in money supply No interest rate because this is not a bank

26 Ecommerce explanation The trading process works as follows: The seller exchange goods cons money from the buyer. The seller of the property does that against a sum greater than what it cost him at first with these suppliers.

27 Financial Explanation Similarly, when that person A makes a claim and receives money from a person B. This acts as a compensatory mechanism that allows B in turn place a claim for a price equal to or greater than what it cost him to his predecessor.

28 Computer Science Explanation A relationship with 2 people is problematic if one of the 2 party may pay or reimburse. (Relationship 1 to 1) With this software alternative market, there are multiple suppliers and multiple plaintiffs. (Relation of many to many) So, this reduces the risk (1 to many relationship in 2 directions) and there are more opportunities for success.

29 Download Free GNU GPL License Free Mirror sourceforge

30 Installation Buy a domain name Getting accommodation De-compress the files Edit the file 'script' Create a database, user, rights Run 'script' Edit 'params.php' Copy and paste the web server.

31 SEO Suggest your site on search engines Generate a Sitemap XML Optimize your site

32 Materials Needed The only equipment needed is a pc an operating system, Internet connection and a web browser.

33 Multi-Platform

34 Prerequisite for developer EasyPHP: Apache PHP PhpMyAdmin MySQL

35 Buying Choices Do not buy, less than, equal to or exceeds a certain sum

36 Less Before: Alice Payment: +10 EUR Ask: +5 EUR Balance: +15 EUR Bob Payment: +10 EUR Ask: 0 EUR Balance: +10 EUR After: Bob Alice Payment: +12 EUR Ask: +3 EUR Balance: +15 EUR Payment: +8 EUR Ask: +4 EUR Balance: +12 EUR

37 Equals Before: Camille Payment: +10 EUR Ask: +5 EUR Balance: +15 EUR Darius Payment: +10 EUR Ask: 0 EUR Balance: +10 EUR After: Darius Camille Payment: +15 EUR Ask: 0 EUR Balance: +15 EUR Payment: +5 EUR Ask: +10 EUR Balance: +15 EUR

38 Superior Before: Erika Payment: +10 EUR Ask: +5 EUR Balance: +15 EUR Félix Payment: +10 EUR Ask: 0 EUR Balance: +10 EUR After: Félix Erika Payment: +20 EUR Ask: 0 EUR Balance: +20 EUR Payment: 0 EUR Ask: +20 EUR Balance: +20 EUR

39 Security The application has been designed and tested CAL9000 (OWASP) to be protected against attacks like Cross Site Scripting (XSS). In the Top 10 vulnerabilities in 2007 by the Open Web Application Security Project (OWASP).

40 Legal I think my system is legal because I am doing research in this direction before putting it free. I believe it is in line with the principles of the European Union.

41 Copyright My copyright is protected by the GNU General Public License. My creations are protected at European level My designs are protected internationally

42 Organization The Indefinite Lifespan Foundation is a charitable organization of nonprofit, nongovernmental, dedicated to reducing human mortality, to promote the extension of life expectancy and the pursuit of happiness using mainly preventive medicine, Public health and scientific computing. (Currently being created)

43 Contact Yann Geffrotin, Web Application Developer, Master 2 SUPINFO Paris, France, Europe I'm open to suggestions for improving the software. info@give1get2.com Transparency: cv attached. (optional reading)