1. Proposal of a disruptive
Use Case for F1RST
MOBIQUITOUS BANK OF ANIMALS – BARTER 2.0 PROJECT
G U I L L AU M E L A R RO Q U E – P I E R R I C K M O R I ZOT – B E N JA M I N R E N AU T – P R S E RG E M I R A N D A
WO R K I N G D R A F T V 0 N O V E M B E R 2 0 1 3
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013

2. BARTER 2.0 ?
Bank of
Animals in
Rural
TERritories
2.0 : Social network of donators
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013

3. Context
•Proposing an innovating and disruptive project in order to provide rural inclusion in
India (F1RST project) and other emerging countries ( Haiti, Tunisia, Madagascar,
Morocco, Senegal…)
•Economic development is mostly based on farming in developing countries with women
playing a central role
• Cash based transactions often create corruption
•F1RST NFC genuine context :
• NO CASH OUT (mobiquitous money)
• targeted NFC help (cf M-PDS Use Case in 2013)
•Extension of Mobiquitous PDS USE CASE (prototyped at MBDS in 2012-2013)7 and
CHADEK Project prototyped in Haiti in 2007 8
•« La microfinance semble aujourd’hui la meilleur solution qui a permis aux populations démunies dotées de capacités
productives et créatives […] de pouvoir accéder au marché du crédit et devenir des agents actifs dans l’économie » - Dalel
Mehzri, Economics Ph.D student (sfax)
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013

4. F1RST Ecosystem (October 2013)
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
WOLF Platform
(UNSA)
SE-QL
F1RST Wallet
(TCS)
FI (TCS)
NREGA (TCS)
M-PDS (UNSA 2013)
E-coins (IIS)
BARTER 2.0 (UNSA 2014)
Disruptive
Use Cases
Strategic
Use Cases

5. Bank of Animals value chain process
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
User invests in
a part of
an animal
Money is
transferred to an
NGO
An agent is charged
with distributing
the animal
Secured
transaction (NFC –
M-PDS like)
Transaction and project feedback
(summary, photo, video)
Crowdfunding
Platform (ex
Kiva) Local NGO
NGO
Transaction
Agent

6. Crowdfunding platform for BARTER 2.0
•The project could be a brick of an existing crowdfunding
platform (e.g. Kiva, Chadek etc…)
•The user can invest a small amount of money in (part
of ) an animal needed by a farmer
•Donators gain access to a private area where they can
see the impact of their lending for the people they
helped , track their lending and share it with other
donators
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013

7. State of the art : Comparison between
key Crowdfunding Platforms
Watsi.org Kiva.org
Elevagessans
frontieres.org
Microworld.org Zafen.org BARTER 2.0
NFC Secured
Transactions
Feedback / Update
No cash out
Beneficiary
selection
Donation
Detailed description
of beneficiary
Rural only
Offspring
redistribution*
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
Based on crowdfunding State of the Art – MBDS, Guillaume LARROQUE Pierrick MORIZOT 1 *Only for animal crowdfunding

8. Key partner : Local rural NGO (or donator
portal)
•Provides and manages the beneficiaries database
•Reviews and validates each project before its publication
•Once the project is fully funded, money is transferred to the NGO
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013

9. Local NGO Agent
•responsible for the distribution of the animals to the beneficiaries
•bound to a set of beneficiaries (he can browse them from the smartphone
application)
•The role of the agent is very similar to the M-PDS FI Agent
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10. M-PDS USE CASE within F1RST (MBDS
Gemalto, 2012-2013)
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
Protocole HTTP
Response JSON
Data Server
FIA having
NFC Smartphone
Beneficiary
FIBs
database
Beneficiary

11. Transaction with BARTER2.0 beneficiaries
•The BARTER agent can identify a beneficiary thanks to his NFC ID
card / sticker using his smartphone application
•Each transaction is tracked on
a remote server and is totally
secured (sensible data are stored
onto a secure element)
•No cash out
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
SECURE
DATA
FI, NAREGA, F-coins
M-PDS
(rice
bags,..)
Animals
Illustration Anne Marie Lesas (MBDS)

12. Transaction tracking and Feedback
•The BARTER agent is allowed to post any project
improvement on the frontend (from his mobile or a
web browser)
•Each funder can be notified when an update occurs
on a project he invested on by a message
•The agent-smartphone sensors can add specific
information to any transaction (photo, video,
geolocation…) for tracking
•There exists a social network of every micro-
donator sharing an animal (BARTER “2.0”)
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013

13. Mobiquitous BARTER2.0 added value
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TRACEBILITY
SECURITYPROXIMITY
TRANSPARENCY

14. Special thanks for their support and
feedback
Dalel Mehzri, Economics Ph.D student
Anne Marie Lesas, MBDS Ph.D student
Tayana Etienne, Co-Founder and Project Lead/Manager at SOLUTIONS S.A. (Haïti)
Kurt Jean Charles, CEO at SOLUTIONS S.A. (Haïti)
Amosse Edouard, Inria Ph.D student
Mohamed Amine El Mahfoudi, Information System Manager at Mohammed VI Foundation (Marocco)
Mahamoud Sidime, IT Consultant at Groupe SII
Olfa Orfani, former MBDS student
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013

15. References
1. Rural inclusion NFC services based on Microfinance and crowdfunding – State of the art (Sept. 2013), MBDS
Gemalto Report, Guillaume LARROQUE – Pierrick MORIZOT
2. www.kiva.org; www.elevagessansfrontiere.org; www.microworld.org; www.watsi.org; www.zafen.org
3. Innovation in Money Transfer (2013) PDF, Gemalto
4. Opportunity: The Next Billion Consumers (2013) PDF, MasterCard presentation
5. Amosse E, Lesas AM, Miranda S, Renaut B‘SE-QL the WOLF interface for NFC development on smartphone
Secure Elements” Cefipra Research Report (October 2013)
6. Mahamoud Sidime Arfani Olfa “Mobiquitous PDS : FIRST strategic USE CASE” MBDS Gemalto Cefipra report
(Sept 2013)
7. CHADEK Project, MBDS Project Haiti (2007)
8. 100 pionniers pour la planète (2009), Dimitri Caudrelier Matthieu Roynette
9. Microfinance et lutte contre la pauvreté (2013), Dalel Mehzri
THANK YOU
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013