Paybook Slides En

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 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

Create a free market alternative ●

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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

Principles and Qualities ●

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Liberty, Citizenship, Responsibility, Equality, Solidarity Open, rule based, predictable, nondiscriminatory

GNU FDL 2006-2007 Yann Geffrotin

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

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

Target ●

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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

Strategies for doing business ●

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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

Some Partners ●

Payment (PSP)

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Picture

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Development

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Download

GNU FDL 2006-2007 Yann Geffrotin

Win-Win Strategy ●

4 categories, 5 parts: Provider, Consumer, Competitor, Partner and Himself.

GNU FDL 2006-2007 Yann Geffrotin

Business Model ●

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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

Business Model ●

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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

Business Model ●

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Payment systems have an economic model based commissions on transactions for their members. (about 2%)

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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

Business Model ●

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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

Interoperability ●

Create Account

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Supply

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Financial Certification

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Separation test and real

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POST or GET

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B2B, B2C, C2C & C2B

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XML

GNU FDL 2006-2007 Yann Geffrotin

Consumers ●

Secure

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Simple

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Fast

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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

PayPal Opportunity ●

141 M accounts

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31 % yoy volume growth

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190 countries

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70+ currencies

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1000s of merchants add PayPal every year PayPal helps you grow your business

GNU FDL 2006-2007 Yann Geffrotin

Division of roles ●

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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

Schema by level Trading Trading API

API

Payment Payment(PSP) (PSP)

Bank Bank

GNU FDL 2006-2007 Yann Geffrotin

Schema with exemple

API

API

Bank Bank

GNU FDL 2006-2007 Yann Geffrotin

Dependence ●

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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 2000 46 CE

GNU FDL 2006-2007 Yann Geffrotin

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

Give 1 Get 2 ●

no goods exchanged

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zero sum game

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no right of entry

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person to person (P2P)

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no risk of inverse proportionality

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Each user can enrich

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adjustable gain

GNU FDL 2006-2007 Yann Geffrotin

Economical Explanation ●

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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

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

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

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

Download ●

Free GNU GPL License

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Free

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Mirror sourceforge

GNU FDL 2006-2007 Yann Geffrotin

Installation ●

Buy a domain name

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Getting accommodation

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De-compress the files

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Edit the file 'script'

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Create a database, user, rights

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Run 'script'

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Edit 'params.php'

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Copy and paste the web server.

GNU FDL 2006-2007 Yann Geffrotin

SEO ●

Suggest your site on search engines

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Generate a Sitemap XML

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Optimize your site

GNU FDL 2006-2007 Yann Geffrotin

Materials Needed ●

The only equipment needed is a pc

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an operating system,

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Internet connection

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and a web browser.

GNU FDL 2006-2007 Yann Geffrotin

Multi-Platform

GNU FDL 2006-2007 Yann Geffrotin

Prerequisite for developer ●

EasyPHP: –

Apache

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PHP

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PhpMyAdmin

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MySQL

GNU FDL 2006-2007 Yann Geffrotin

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

GNU FDL 2006-2007 Yann Geffrotin

Less ●

Before: Alice

Payment: +10 EUR Ask: +5 EUR Balance: +15 EUR

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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

GNU FDL 2006-2007 Yann Geffrotin

Equals ●

Before: Camille

Payment: +10 EUR Ask: +5 EUR Balance: +15 EUR

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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

GNU FDL 2006-2007 Yann Geffrotin

Superior ●

Before: Erika

Payment: +10 EUR Ask: +5 EUR Balance: +15 EUR

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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

GNU FDL 2006-2007 Yann Geffrotin

Security ●

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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

Legal ●

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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

Copyright ●

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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

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

Contact ●

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Yann Geffrotin, Web Application Developer, Master 2 SUPINFO Paris, France, Europe I'm open to suggestions for improving the software. [email protected] Transparency: cv attached. (optional reading) http://www.give1get2.com/

GNU FDL 2006-2007 Yann Geffrotin