PayBook's Vision: End poverty




     GNU FDL 2006-2007 Yann Geffrotin
Financing education abroad




   GNU FDL 2006-2007 Yann Geffrotin
Paradigm Shift
There is a questioning of the
existing paradigm and demand
change because it does not meet
the demand of ev...
Create a free market alternative
                        ●   The software is designed to
                            build...
Principles and Qualities

                   ●   Liberty, Citizenship,
                       Responsibility, Equality,
  ...
Aim
●   Make      a   pilot   project
    (functional, no set-up fees,
    free to use, legal, available,
    based on a w...
Result
      The main objective has been achieved.
Example: 1234 Euros sent -> 2468 Euros received.

     http://sourcefor...
Target
●   Target User: users of the PSP
    used speaking French or
    English and have minimal
    skills in finance
● ...
Strategies for doing business
                     ●   There are 3 possible
                         strategies for 2 peop...
Some Partners
●   Payment (PSP)                  ●   Picture




●   Development                    ●   Download




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




                G...
Business Model
●   The advantage of the Internet
    user is to make profit in order
    to buy goods that meet their
    ...
Business Model
●   A trading platform (like FSX)
    can not exist without
    financial institution without
    the API p...
Business Model
●   Payment systems have an economic model based                     on
    commissions on transactions for...
Business Model
●   Even competitors have the
    opportunity to earn money
    with the system.
●   Users can register wit...
Interoperability
                  ●   Create Account
                  ●   Supply
                  ●   Financial Certifi...
Consumers
                  ●   Secure
                  ●   Simple
                  ●   Fast
                  ●   141 M...
PayPal Opportunity
●   141 M accounts
●   31 % yoy volume growth
●   190 countries
●   70+ currencies
●   1000s of merchan...
Division of roles
●   The software can be seen as a
    plugin that interacts with the
    main software (financial
    in...
Schema by level

                  Trading
                   Trading

API                                      API


    ...
Schema with exemple



API                                       API




                     Bank
                     Ba...
Dependence
●   Dependence: saves the cost of
    initial capital (1 million
    Euros) for the creation of a
    financial...
Independence: Centralized &
  Decentralized Architecture

       Trading
       Platform

                                ...
Give 1 Get 2
●   no goods exchanged
●   zero sum game
●   no right of entry
●   person to person (P2P)
●   no risk of inve...
Economical Explanation
●   The software is not intended
    to create inflation
●   Increased income players in
    the sy...
Ecommerce explanation
●   The trading process works as
    follows: The seller exchange
    goods cons money from the
    ...
Financial Explanation
●   Similarly, when that person A
    makes a claim and receives
    money from a person B. This
   ...
Computer Science Explanation
●   A relationship with 2 people
    is problematic if one of the 2
    party may pay or reim...
Download
                  ●   Free GNU GPL License
                  ●   Free


                  ●   Mirror sourceforge
...
Installation
                  ●   Buy a domain name
                  ●   Getting accommodation
                  ●   De-...
SEO
                  ●   Suggest your site on search
                      engines
                  ●   Generate a Sitem...
Materials Needed
                  ●   The only equipment needed is
                      a pc
                  ●   an op...
Multi-Platform




GNU FDL 2006-2007 Yann Geffrotin
Prerequisite for developer
                     ●   EasyPHP:
                             –   Apache
                     ...
Buying Choices
Do not buy, less than, equal to or exceeds a certain sum




            GNU FDL 2006-2007 Yann Geffrotin
Less
●    Before:
                         Alice                         Bob
    Payment: +10 EUR                Payment: ...
Equals
●    Before:
                        Camille                        Darius
    Payment: +10 EUR                Paym...
Superior
●    Before:
                         Erika                         Félix
    Payment: +10 EUR                Pay...
Security
                  ●   The application has been
                      designed and tested
                      CA...
Legal
                  ●   I think my system is legal
                      because I am doing research
                 ...
Copyright
                  ●   My copyright is protected by
                      the GNU General Public
                ...
Organization
                  ●   The Indefinite Lifespan
                      Foundation is a charitable
              ...
Contact
                  ●   Yann Geffrotin, Web
                      Application Developer,
                      Maste...
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Online Alternative Trading System with Paypal Express Checkout

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Pay Book Slides En

  1. 1. PayBook's Vision: End poverty GNU FDL 2006-2007 Yann Geffrotin
  2. 2. Financing education abroad GNU FDL 2006-2007 Yann Geffrotin
  3. 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. GNU FDL 2006-2007 Yann Geffrotin
  4. 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. GNU FDL 2006-2007 Yann Geffrotin
  5. 5. Principles and Qualities ● Liberty, Citizenship, Responsibility, Equality, Solidarity ● Open, rule based, predictable, nondiscriminatory GNU FDL 2006-2007 Yann Geffrotin
  6. 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. GNU FDL 2006-2007 Yann Geffrotin
  7. 7. Result The main objective has been achieved. Example: 1234 Euros sent -> 2468 Euros received. http://sourceforge.net/projects/paybook/ GNU FDL 2006-2007 Yann Geffrotin
  8. 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. GNU FDL 2006-2007 Yann Geffrotin
  9. 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. GNU FDL 2006-2007 Yann Geffrotin
  10. 10. Some Partners ● Payment (PSP) ● Picture ● Development ● Download GNU FDL 2006-2007 Yann Geffrotin
  11. 11. Win-Win Strategy ● 4 categories, 5 parts: Provider, Consumer, Competitor, Partner and Himself. GNU FDL 2006-2007 Yann Geffrotin
  12. 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. GNU FDL 2006-2007 Yann Geffrotin
  13. 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. GNU FDL 2006-2007 Yann Geffrotin
  14. 14. 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. GNU FDL 2006-2007 Yann Geffrotin
  15. 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. GNU FDL 2006-2007 Yann Geffrotin
  16. 16. Interoperability ● Create Account ● Supply ● Financial Certification ● Separation test and real ● POST or GET ● B2B, B2C, C2C & C2B ● XML GNU FDL 2006-2007 Yann Geffrotin
  17. 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. GNU FDL 2006-2007 Yann Geffrotin
  18. 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 GNU FDL 2006-2007 Yann Geffrotin
  19. 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). GNU FDL 2006-2007 Yann Geffrotin
  20. 20. Schema by level Trading Trading API API Payment (PSP) Payment (PSP) Bank Bank GNU FDL 2006-2007 Yann Geffrotin
  21. 21. Schema with exemple API API Bank Bank GNU FDL 2006-2007 Yann Geffrotin
  22. 22. 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 GNU FDL 2006-2007 Yann Geffrotin
  23. 23. Independence: Centralized & Decentralized Architecture Trading Platform Trading Platform Payment Payment Service Service Provider Provider (PSP) (PSP) Trading Platform Trading Platform GNU FDL 2006-2007 Yann Geffrotin
  24. 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 GNU FDL 2006-2007 Yann Geffrotin
  25. 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 GNU FDL 2006-2007 Yann Geffrotin
  26. 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. GNU FDL 2006-2007 Yann Geffrotin
  27. 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. GNU FDL 2006-2007 Yann Geffrotin
  28. 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. GNU FDL 2006-2007 Yann Geffrotin
  29. 29. Download ● Free GNU GPL License ● Free ● Mirror sourceforge GNU FDL 2006-2007 Yann Geffrotin
  30. 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. GNU FDL 2006-2007 Yann Geffrotin
  31. 31. SEO ● Suggest your site on search engines ● Generate a Sitemap XML ● Optimize your site GNU FDL 2006-2007 Yann Geffrotin
  32. 32. Materials Needed ● The only equipment needed is a pc ● an operating system, ● Internet connection ● and a web browser. GNU FDL 2006-2007 Yann Geffrotin
  33. 33. Multi-Platform GNU FDL 2006-2007 Yann Geffrotin
  34. 34. Prerequisite for developer ● EasyPHP: – Apache – PHP – PhpMyAdmin – MySQL GNU FDL 2006-2007 Yann Geffrotin
  35. 35. Buying Choices Do not buy, less than, equal to or exceeds a certain sum GNU FDL 2006-2007 Yann Geffrotin
  36. 36. Less ● Before: Alice Bob Payment: +10 EUR Payment: +10 EUR Ask: +5 EUR Ask: 0 EUR Balance: +15 EUR Balance: +10 EUR ● After: Alice Bob Payment: +12 EUR Payment: +8 EUR Ask: +3 EUR Ask: +4 EUR Balance: +15 EUR Balance: +12 EUR GNU FDL 2006-2007 Yann Geffrotin
  37. 37. Equals ● Before: Camille Darius Payment: +10 EUR Payment: +10 EUR Ask: +5 EUR Ask: 0 EUR Balance: +15 EUR Balance: +10 EUR ● After: Camille Darius Payment: +15 EUR Payment: +5 EUR Ask: 0 EUR Ask: +10 EUR Balance: +15 EUR Balance: +15 EUR GNU FDL 2006-2007 Yann Geffrotin
  38. 38. Superior ● Before: Erika Félix Payment: +10 EUR Payment: +10 EUR Ask: +5 EUR Ask: 0 EUR Balance: +15 EUR Balance: +10 EUR ● After: Erika Félix Payment: +20 EUR Payment: 0 EUR Ask: 0 EUR Ask: +20 EUR Balance: +20 EUR Balance: +20 EUR GNU FDL 2006-2007 Yann Geffrotin
  39. 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). GNU FDL 2006-2007 Yann Geffrotin
  40. 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. GNU FDL 2006-2007 Yann Geffrotin
  41. 41. Copyright ● My copyright is protected by the GNU General Public License. ● My creations are protected at European level ● My designs are protected internationally GNU FDL 2006-2007 Yann Geffrotin
  42. 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) GNU FDL 2006-2007 Yann Geffrotin
  43. 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) http://www.give1get2.com/ GNU FDL 2006-2007 Yann Geffrotin
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