pay book slides en

GNU FDL 2006-2007 Yann Geffrotin

PayBook's Vision: End poverty


Financing education abroad


Paradigm ShiftThere 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.


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.


Principles and Qualities

● Liberty, Citizenship, Responsibility, Equality, Solidarity

● Open, rule based, predictable, nondiscriminatory


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.


ResultThe main objective has been achieved.

Example: 1234 Euros sent -> 2468 Euros received.

http://sourceforge.net/projects/paybook/



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.


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.


Some Partners● Payment (PSP)

● Development

● Picture

● Download


Win-Win Strategy● 4 categories, 5 parts: Provider, Consumer, Competitor, Partner

and Himself.


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.


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.


Business Model● Payment systems have an economic model based on

commissions on transactions for their members. (about 2%)● 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.


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.


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


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.


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


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).


Schema by level

TradingTrading

Payment (PSP)Payment (PSP)

BankBank

API API


Schema with exemple

API API

BankBank


Dependence● Dependence: saves the cost of

initial capital (1 million Euros) for the creation of a financial institution issuing electronic money (in: e-money issuer) within the European Union.

● ref : Article 4 paragraphe 1 de la Directive 2000 46 CE


Independence: Centralized & Decentralized Architecture

Payment Service Provider

(PSP)

Payment Service Provider

(PSP)

Trading Platform

Trading Platform

Trading Platform

Trading Platform


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


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


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.


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.


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.


Download● Free GNU GPL License● Free

● Mirror sourceforge



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.


SEO● Suggest your site on search

engines● Generate a Sitemap XML● Optimize your site


Materials Needed● The only equipment needed is

a pc● an operating system,● Internet connection● and a web browser.


Multi-Platform


Prerequisite for developer● EasyPHP:

– Apache– PHP– PhpMyAdmin– MySQL


Buying ChoicesDo not buy, less than, equal to or exceeds a certain sum


Less● Before:

● After:Alice

Payment: +10 EURAsk: +5 EURBalance: +15 EUR

Alice

Payment: +10 EURAsk: 0 EURBalance: +10 EUR

Bob



Bob


Equals● Before:

● After:Camille


Camille


Darius



Darius


Superior● Before:

● After:Erika


Erika


Félix


Payment: 0 EURAsk: +20 EURBalance: +20 EUR

Félix


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).


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.


Copyright● My copyright is protected by

the GNU General Public License.

● My creations are protected at European level

● My designs are protected internationally


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)


Contact● Yann Geffrotin, Web

Application Developer, Master 2 SUPINFO Paris, France, Europe

● I'm open to suggestions for improving the [email protected]

● Transparency: cv attached. (optional reading)

http://www.give1get2.com/

mailto:[email protected]

http://www.give1get2.com/