The document discusses how various web services can be used in a mobile money management application called MoneyMind. It describes the functionality of PayPal, Google Maps, Proximiant, and Google Charts and how they would be integrated into and accessed from MoneyMind. PayPal would be used for payments and account verification. Google Maps would integrate transaction history to show spending locations. Proximiant would create digital receipts from transaction data. Google Charts would visualize spending data through interactive charts. All services would be accessed through their APIs using JavaScript, XML, HTTPS, and other standards.

1. Service Computing &
MoneyMind Mash-up

2. What is Service Computing?

3. Service Computing
 Self-contained, platform-independent method of bridging the gap between
business and IT
 Businesses can find, utilise and create their own services and integrate them
with others to create a tailored system to match their business needs
 Technology includes: Web services, service-oriented architecture (SOA), cloud
computing and many more

4. What are its impacts?

5. Global Impacts
 Most obvious impact is between businesses globally and their interaction
 Large companies like Microsoft putting cloud computing as a top priority
 IBM spent $360 million on building a cloud computing software centre in NY
 Estimated by 2014, 30% of Global 1000 companies will use two or more cloud
services up from 5% today

6. Local Impacts
 Less cost on businesses
 Use PAYG (or subscription)
based services
 Flexibility for upgrade –
providing “on-tap” IT
capability for start-ups,
spikes in workload, etc.
 Integration of business and IT
systems, allows businesses to
easily interact with and
upgrade where necessary

7. Personal Impacts
 Mobile applications as web services
 Capability to access web services from all locations – integration of systems
 Increase in cross-platform capabilities
 More rich applications where processing can be done server-side and the
phone doesn’t need the processing power
 HTML5 further enhances them with APIs such as Google Charts

8. What Web Services will be used
in MoneyMind?

9. BPM – Business Process Model

10. BPM (contd.) - MoneyMind

11. BPM (contd.) - PayPal

12. BPM (contd.) - Proximiant

13. BPM (contd.) – Google Maps

14. BPM (contd.) – Google Charts

15. PayPal - Functionality
 Both personal and business application
 Personal - online banking, purchasing, account management
 Business - manage business operations, take payments on your website or by
invoice
 The PayPal Adaptive Accounts API allows users to create applications with
built-in account management features. Using the API developers can create a
PayPal Business account, add a bank account or a credit card as funding
sources for PayPal accounts and verify a PayPal account status.
 Within MoneyMind, PayPal is used as the primary source of payment and
account verification.

16. PayPal – Owners and providers
 In 2002 PayPal became a subsidiary of eBay
 Service is targeted towards online shoppers as it provides a simple, easy
method of transferring money over the Internet
PayPal - Constraints
 Quality of service dependent on internet coverage. Additionally, if no access
to internet, PayPal cannot be used.

17. PayPal – Pricing Factors
 While there is no initial upfront cost or plan options to use the service, PayPal
is an acquirer which means they have the option to charge a fee for receiving
money, proportional to the amount received.
PayPal – Legal Factors
 Important to consider security factors within MoneyMind as this is a mobile
application.
 Two-factor authentication including a login and additional security key -
precaution against fraud and prevents accounts being compromised by
malicious third parties
 Additionally possible to receive a Mobile Transaction Authentication Number
via SMS to increase security.

18. PayPal – Legal Factors
 Important to consider security factors within MoneyMind as this is a mobile
application.
 Two-factor authentication including a login and additional security key -
precaution against fraud and prevents accounts being compromised by
malicious third parties
 Additionally possible to receive a Mobile Transaction Authentication Number
via SMS to increase security.

19. PayPal – Access and Use in App
 Accessed through the PayPal Adaptive API
 The PayPal API uses both RESTful and SOAP protocol and responses can be
formatted as XML, JSON or NVP
 Encryption over HTTPS
 XML is used as the chosen response format. This text-based information allows
for easy storage within the application’s transaction database

20. Google Maps - Functionality
 Google maps can be used on both a personal and a business level.
 Personal - Finding directions and locations of key areas.
 Business - Businesses can use Google Maps in websites and applications.
 The Google Maps API allow for the embedding of Google Maps onto web pages of
outside developers, using a simple JavaScript interface or a Flash interface. It is
designed to work on both mobile devices as well as traditional desktop browser
applications. The API includes language localization for over 50 languages, region
localization and geocoding, and has mechanisms for enterprise developers who
want to utilize the Google Maps API within an intranet. The API HTTP services can
be accessed over a secure (HTTPS) connection by Google Maps API Premier
customers.
 Within our application, Google Maps integration with transaction history would
provide the user with a visual representation of where their money is being spent,
and would help them target specific locations or stores in which they need to
budget.

21. Google Maps – Owners and providers
 Google Maps is owned and operated by Google.
 The intended audience of this service are businesses and developers that
want to have an accurate map system in their application.
Google Maps - Constraints
 Quality of service dependent on internet coverage. Additionally, if no access
to internet, PayPal cannot be used.

22. Google Maps – Pricing Factors
 Google maps have no costing policy as they make their money off
advertisements and selling data.
Google Maps – Legal Factors
 It is important to remember that people’s locations are being recorded and to
consider extra security so people’s privacy is not at risk.
 The data can be sent over the HTTPs encryption, giving the data an added
level of security

23. Google Maps – Access and Use in App
 Accessed through Google Maps adaptive API.
 The API is accessed by grabbing the functions in a simple JavaScript attached
to the application.
 APIs can talk over multiple encryptions such as HTTP and HTTPs.

24. Proximiant - Functionality
 Application used to create digital receipts from specific transaction data
 While the application also includes a bump-to-pay feature and NFC tagging,
only the functions required to produce the digital receipt are needed and the
information used will be stored within the database.
 Digital receipts are also location-based
 Both iPhone and Android application

25. Proximiant – Owners and providers
 Owned and provided by a Silicon Valley-based start-up Proximiant
 Intended audience is smartphone users (generally from between the ages 18
and 30 - due to bank implementation) who wish to obtain efficient
transaction records to create a smart shopper
Proximiant - Constraints
 While NFC-payments are constrained by transceiver availability, we are only
interested in the functions required to generate the digital receipts and
hence this constraint is eliminated.
 Quality of service dependent on internet coverage. Additionally, if no access
to internet, Proximiant cannot be used.

26. Proximiant – Pricing Factors
 Proximiant is a free service, provides perfect business application
Proximiant – Legal Factors
 Proximiant develops digital receipts based off information, in this case we
would utilise the XML data stored in the database, without having to share
personal information such as email address
 Additionally, data is stored in secure servers app sent via encrypted HTTPS

27. Proximiant – Access and Use in App
 SOAP, HTTPS, XML FILES -> Converts to digital receipts

28. Google Charts - Functionality
 Used to visualise data into graphs/charts for mainly a Business perspective
but can be used for personal use. This may vary from small line charts to a
complex hierarchical tree.
 Personal: Used for small visualisations of data. for example, a small
presentation
 Business: Businesses can use Google charts to visualize their data for things
such as work presentations, Business meetings or just for general use.
 The most common way to use Google Charts is with simple JavaScript that you
embed in your web page. these charts are rendered using HTML5/SVG
technology so that it can be compatible with all common browsers.
 To create these charts, a Datatable is used to sort, modify and filter all data
that can be directly imported onto a webpage.

29. Google Charts – Owners and providers
 Google Charts is owned and operated by Google.
 The intended audience for this is for businesses to make a clear, visual
representation of their data towards other businesses or within their own.
Google Charts - Constraints
 Operating goggle charts requires internet access to operate. Although saved
images of data can be taken for use outside of Google charts.

30. Google Charts – Pricing Factors
 The Google charts website states that Google charts is completely free and
guarantees three years compatibility.
Google Charts – Legal Factors
 Their is a small risk that people can obtain your data through breaching
specific networks.
 HTTPs can be used to make the use of their business data more secure, with
the added level of security over the network.
 It states within the privacy region within Google charts that Google does not
share or obtain data that you have uploaded with other charts outside of your
account.

31. Google Charts – Access and Use in App
 The Google Chart API lets you dynamically generate charts with a URL string and
embed these charts on a web page, or download the image for local or offline use.
The Google Chart Tools enable adding live charts to any web page. They provide
advantages such as a rich gallery of visualizations provided as image charts and
interactive charts and they can read live data from a variety of data sources
Users embed the data and formatting parameters in an HTTP request, and Google
returns a PNG image of the chart. Many types of chart are supported, and by
making the request into an image tag the chart can be included in a web page.
 The API is accessed by grabbing the functions in a simple JavaScript attached to
the application.
 APIs can talk over multiple encryptions such as HTTP and HTTPs.
 Accessed through the Google Charts API

32. So what is MoneyMind?

33. Application Overview
 Powerful, easy-to-use money managing application
 Purpose is to allow users to use their phone to:
 Pay using NFC (Bump-to-pay)
 Collate Digital Receipts
 Organise receipts into powerful Infographics
 Track expenditure
 Budget
 Become more ‘money aware’

34. Platform
 Application was chosen to run on Android exclusively. This is due to the
following reasons:
 NFC feature is not available in iPhones – they do not have an embedded NFC chip
 Hence they would not be an effective device to use with the application
 As the main purpose of the phone is to provide a unified, complete finance
management package the necessity of this NFC feature is vital
 Android applications are written in Java, which would effectively integrate all the
web services easily

35. How is better value generated?
 Currently, methods of payment and transaction tracking are limited, despite
this age of technological advancement - for example, the fact that we still
use paper receipts
 The purpose of MoneyMind is to provide users with a visual representation of
where their money is being spent, as well as integrating current payment
methods through the use of PayPal, and payment tracking methods through
the use of Proximiant digital receipts and Google Maps.
 As well as having the ability to use the bump-to-pay feature through PayPal,
users have on-hand access to graphical representations of where their money
is being spent, for example. in the past month they 70% of their expenditure
was for purchasing food.

36. How is better value generated? (contd.)
 By utilising the information through the PayPal transaction data such as: store
locations, store type, amount spent, products purchased etc. can then be
delivered into services such as:
 Google Charts - to create a visual representation of spending habits and allow the
user to become money-aware
 Google Maps - so that users can see location-based spending habits and determine
areas or stores in which they are purchasing too much items
 Proximiant - to create a neat digital receipt, and allow the user to search through
their purchasing history. Proximiant also provides the user with discounts and
coupons based on their purchasing history. GPS-data can be synced with Proximiant
to enable this feature.

37. Strengths and Limitations
Strengths Limitations
Integrates the four web services to
create a powerful financial
management tool
Internet connection is required to use
the payment, Google Maps and Google
Charts features
Eliminates the need for physical
receipts
Data and privacy concerns – Data must
be kept secure at all stages throughout
the app and data messages encrypted
Eliminates the need for multiple bank
accounts, cards etc.
Lack of NFC features within iPhones
disallow the use of bump-to-pay.
User-centred design that focuses on the
app being user-friendly and easy to use
Beautiful Infographics that allow
effective representation of spending
habits
Google Maps integration to show
location-based spending habits

38. What would it look like?

40. Marketing
 Social media outlets as platforms to reach our target users
 Target users are between 18 and 30 year old (smartphone users)
 Users are money-conscious shoppers
 Free versions of the app will be sent to reputable app reviewing websites,
such as App Advice
 Websites and blogs focused on Finance industry, such as DailyFinance.com will
be sent a copy to test and publish on their site
 Utilise Google Ads to ensure high-priority in searches
 Use Google’s alert system

41. Future Directions
 In the future new integrations could be added to this application:
 Integrate more banks to this application so any bank accounts can be used and not
just PayPal
 Integrate voice recognition so that the user can ask the application basic questions
about their monetary status.
 Expansion of the application so that it can be used on iPhones, which would come
with the addition of an NFC chip in the iPhone
 Turn this application into a web service by creating APIs for this application so it
could be integrated into other web applications
 Introduce extra security such as finger printing or voice recognition so that money
cannot be stolen

42. Thank you