Madame ou Monsieur,

Je veux aller vers des principes : Créer un monde sans pauvreté pour permettre de financer et améliorer l’éducation, réduire les maladies, réduire la mortalité et améliorer l’espérance de vie humaine (vision sur le long terme)

L’internet compte aujourd’hui plus 1 milliard d’utilisateurs. Il y a une adoption massive des téléphones mobiles. Le prix de la technologie et sa taille diminuent tandis que sa performance et son adoption devient massive. (ex : la RAM & les microprocesseurs) Le coût de l’éducation diminue. (ex : Wikipedia & MIT OpenCourseWare) Le chiffre d’affaire du e-commerce augmente chaque année. L’espérance de vie est passé de 25 ans dans l’Égypte ancienne à plus de 80 ans en Europe en 2008. Selon le scientifique et futurologue Raymond Kurzweil, il existe une accélération des révolutions scientifiques. La prochaine étape vers la singularité technologique est probablement la GNR : la Génétique, la Nanotechnologie, et la Robotique (avec une Intelligence artificielle forte).

Je voudrai développer mes compétences dans le domaine de l’analyse qualitative (marketing), de la sécurité des applications web, dans la finance, et dans un domaine qui tend vers la GNR.

Je suis étudiant en Informatique spécialisé dans le Développement d’ Applications Web actuellement en Master 2 au SUPINFO International Institute of Information Technology de Paris (ex ESI), leader français en 2007 et qui a réussi à développer son modèle à l’international (Londres, Montréal, San Francisco). Mes principaux atouts : La créativité et l’innovation. Je suis efficace seul ou en équipe comme le prouve la réussite des projets qui m’ont été transmis. Je veille à respecter les standards du web (W3C), l’accessibilité du site sur plusieurs navigateurs, et à documenter mon travail.

Mon approche de développement se base sur le bestseller de Steven Covey (The 7 Habits of Highly Effective People) qui appliqué à l’informatique, de mon point de vue, consiste principalement à créer une relation de dépendance avec les API existantes. Par exemple, j’ai développé un système de Trading compatible PayPal (PayBook) pour mettre fin à la pauvreté. Les 4 piliers de mon développement sont : la sagesse, l’orientation, la puissance et la sécurité. Et, j’essaye de prendre en compte les sentiments de la personne avec qui j’ai une relation et aussi de maintenir une augmentation de ma capacité de production à environ 10% par jour.

Mon objectif sur le court terme consiste à trouver un stage conventionné commençant à partir du 02 novembre 2009 au rythme de 2 jours/semaine, ou ; à partir du 01 avril 2009 pour 6 mois à temps plein. La convention de stage peut être établi par l’entreprise ou par mon école. Ma stratégie du business repose sur un accord gagnant-gagnant : un stage me permet de valider mes crédits ECTS nécessaire pour obtenir mon Master of Computer Science (BAC+5) ; et permet à l’entreprise de réduire ses coûts et d’améliorer son profit.

En terme de distance, je préfère les postes situés à moins d’une heure de mon domicile (sur l’île de France). Je pense que nous pouvons gagner mutuellement dans cette relation. Je suis disponible pour un entretien d’embauche dans vos locaux, le plus tôt possible, à l’heure qui vous conviendra, un lundi ou un mardi de préférence.

Cordialement,

Yann Geffrotin
Développeur d’Applications Web (cv.geffrotin.com)
Étudiant en Master 2 (BAC+5) à SUPINFO Paris
Tel : (+33) 01 39 13 16 04 Por : 06 43 84 45 65

Le script ne prend en compte que les champs obligatoires par mesure de simplification. Pour ce qui est des champs facultatifs : se référer à la documentation officielle.

source :

https://developer.paypal.com/

http://developer.paypal-portal.com/pdn/board?board.id=fr

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

http://paybook.sourceforge.net/

Mashup Give1Get2 sans Moneybookers (pour l’architecture) + FreePay (pour les ajouts) + Paypal Express Checkout (pour l’interconnexion) = PayBook ATS

slide : http://give1get2.sourceforge.net/give1get2/support/docs/Give1Get2_Slides_EN.pdf

pdf : http://give1get2.sourceforge.net/give1get2/support/docs/Give1Get2_Guide_Dev_EN.pdf

The French version is the primary source for all translations.

Problems & Vision:

Creating a world without poverty to enable education, reducing disease and reducing mortality.

The paradigm shift

The existing paradigm solves some problems, so it was accepted in the past. However, at this moment, it does not meet the demand of everyone. So there was a challenge and a demand for change.

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. Because, in my opinion, we must phase out barriers to trade. (ref Treaty establishing the European Community, 1957)

The software “Give1Get2″ is designed to build an alternative trading market to existing financial markets. The software specialised in online fund raising. It facilitates free trade in the international economy. This software was created to meet the financing needs of economic agents in Europe and globally in order to finance, among other things, research, education and innovation.

Principles & Qualities:

– Freedom, Citizenship, Responsibility, Equality, Solidarity,
– Open, rule based, predictable, nondiscriminatory

Objective:

Make a pilot project (functional, no set-up fees, free to use, legal, available (7/7j, 24/24h) and based on a win-win strategy) for an international trading platform from a PSP payment API (Moneybookers) and the FreePay Trading System (FTS) to help raise account balance of participants. (+1 Euro each time)

Directed: The main objective has been achieved.

The software has been tested in real conditions with personal accounts for the 3 possible cases of purchase (less, equal and higher) and in each case, it worked perfectly.

Simple example: when 1 Euro was sent, are received 2 Euros (factor 2: 1 * 2 = 2). The motto “Give 1. Get 2.” was chosen in this way. The starting amount is chosen by the user and may use the system as often as he wants. Example: 1234 Euros sent -> 2468 Euros received.

Target:

Target User: This software is being implemented, primarily targeting users of the PSP used speaking French or English and have minimal skills in finance (Moneybookers saves 9 million customers, according to Moneybookers). The goal is not to limit it to this category but can reach the largest number of users.

Target Developer: Those targeted for downloading and installing the software are programmers (preferably web developer) and / or companies wishing to establish a trading platform.

The platform does not take a percentage of the funds it raises. In this sense, an organization that would use it could be a non-profitable organization.

Revenues

The link to the sponsorship program is here: http://www.moneybookers.com/app/referral.pl

There are over 9 million customers who use Moneybookers (Moneybookers depending). The target population is mainly covered that already included. The affiliate can not take commissions on those already listed. (he did not himself sponsored, implied)

For people who are not registered yet, they can apply directly to the url http://moneybookers.com/: in this case, the partner does not take commission.

Either option, register with the affiliate link (the URL provided in a footnote on the script) in this case, the affiliate will receive commissions on what wins the PSP (up to 30 % and limited to 100 Euros maximum) This is not an additional cost (30-70 division). It is therefore completely transparent to the user.

This incentive, I have put in place to increase the number of my partners on this project. I thought it was legitimate in order to pay the fixed costs (domain name) and variable operating costs (bandwidth, database) of each partner sites.

In addition, each user also has the ability to sponsor others in making requests for payments. I think it’s a fairness.

Interoperability: How do I know if the API electronic purse of a financial institution is compatible with FSX to FreePay?

Financial Institution:

1. It must be able to create an account.

2. Supply: The user can supply his account with different means of payment (check, credit card, bank transfer etc.) and remove.

3. It must have a minimum of funds in its account (balance at least 1 euro). (must also take into account the costs of financial institution)

Optional (but strongly recommended): Approval Financial: The financial institution must be approved by at least one regulator.

Separation of tests and the real: The customer transfers between normal and test client are prohibited.

On the FSX:

1. It must be able to pass an order on the FSX and get on the payment platform. (POST or GET)

2. B2B, B2C, C2B & C2C: Let the payment works in 2 directions (merchant-seller while being accessible client-customer, merchant-customer and customer-merchant), briefly allow P2P. The right of withdrawal depends on the status of persons making the transactions and all, it is defined on the site of PSP.

2a. (optional: but it’s better to do) should be able to enable process automation. (XML)

3. XML: It is necessary that the source site (merchant / FSX) to obtain a trace of the transaction from the payment platform. (xml sent and saved in the database tables in sql)

Existing: What is Moneybookers?

- Moneybookers is a payment service secure online that lets you send and receive money instantly from an e-mail. Opening an account is free, and loading and withdrawal of money is through a credit card (Visa, Mastercard, Diners, American Express, JCB, Delta / Visa Debit and Visa Electron) or by bank transfer.

- Moneybookers is translated into 12 different languages. (English, German, French, Spanish, Italian, Polish, Modern Greek, Romanian, Russian, Turkish, Chinese, Czech)

- Transaction costs are low and the deals can be found in the account history at any time.

- Moneybookers is an issuer of electronic money that allows the merchant (or merchant company) to accept online payments from customers worldwide with no installation fees or monthly fees. (in English: Payment Service Provider)

- Moneybookers Ltd. is a company registered in the Trade Registry of England and Wales under No. 4260907. Headquarters: Welken House, 10-11 Charterhouse Square, London, EC1M 6EH. It is licensed under the laws of the United Kingdom and the European Union and regulated by the Financial Services Authority (FSA), the Financial Services Authority in the United Kingdom.
Source:

• The Official Website of Moneybookers http://moneybookers.com/
• Electronic Commerce (EC Directive) Regulations’ – Legal Notice http://www.moneybookers.com/app/help.pl?s=ecrcpr
• Financial Services Authority of the United Kingdom (FSA) : http://www.fsa.gov.uk/
• Registration Number with Moneybookers FSA: 214225 http://www.fsa.gov.uk/register/firmSearchForm.do
• Financial Services and Markets Act 2000 : http://www.opsi.gov.uk/acts/acts2000/ukpga_20000008_en_1
• The Electronic Commerce (EC Directive) Regulations 2002 http://www.opsi.gov.uk/si/si2002/20022013.htm

Why a relationship with a PSP:

The 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).
- The financial institution converts capital into e-money, make payments and make the conversion of checks.
- The software can place orders for payment, exchanging payment orders and can make claims.

Dependence: The software is towards simplicity as compared to the previous version (FreePay), he subtracted the processes needed to manage money. This software 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 paragraph 1 of Directive 2000 46 EC).

Independence: Each organization that sets up the software Give1Get2 is autonomous from other organizations. It is dependent only financial institution which helps to make payments (1 to many relationship).

The trading system is based on a win-win. The trading platform is a place of confrontation in the supply of financial securities and the demand for money under the idea of laissez-faire economics. There are no goods exchanged on the system. It is a zero sum game in terms of the payment platform but not the trading system (1 euro securitized token issued for the initiation, exchange +1 +1 for each party to each transaction). It’s a virtuous circle. There is no entrance fee. It is a system of person to person (P2P) which further allows users to place trades on a payment platform. This was designed so that there is no risk of inverse proportionality. Since there is no order of sale, it may not be a stock market crash. All system users can get rich, but not at the same time. The user can then become, as it makes a trader. (en: Market Operator)

The gain is also adjustable (0 to 100% Sample: 25 euros become real to 100% -> 50 euros securitized). This allows the user to speculate whether or not to do so. This allows the user to transform its capital and more capital represented by shares. (And then convert its shares capital by the sale, eg 50 euros securitized -> 50 euro real). Finally: EUR 25 real -> 50 euro real. This was to be demonstrated.

Economic Explanation: The software is not intended to create inflation.

From what I know, there are two types of inflation:

– Inflation of prices: Higher prices for goods and services during a period of time. (source: Wikipedia) The income increases more slowly as rising commodity prices. → decrease in purchasing power. What is problematic. But what has Give1Get2 is to increase the income of players in the system, thereby increasing purchasing power. There are no services for sale on the platform and use is free. The “products” are selling financial claims payments. The purchase price is determined by the buyers themselves. If they decide to buy more expensive it is to earn more.

– Inflation of the money: When money suffers a global money creation. Money in circulation increases via interest rates. However, the software Give1Get2 not intended to increase the money supply or decrease it. There is no interest rate not in this system. For only the responsibility of banks.

The software allows the movement of money between players.

Financial Explanation:

Consider this example: Bob wants to send 10 cents to EUR Alice via Moneybookers.

Alice to a balance of EUR 10.82. Bob has a balance of EUR 78.19. Bob sending 10 cents to Alice. The balance of Bob becomes 78.09 EUR. The balance goes to Alice 10.92 EUR. This is without counting the cost variables (0.01) and fixed costs (0.29). Ultimately, the balance of Alice is EUR 10.62 at the end of the operation.

We note that the gain (10 cents) is less than the loss (30 cents). Bob was negatively charged (-0.10 EUR, which is normal). Alice was also negatively charged (total EUR -0.20). Thus a lose-lose situation.

For a win-lose, we can establish a minimum quota of money to be set in automatic settings for all purchases through the API. Test: Bob (balance: EUR 78.09), after mature reflection, wants to send Alice to 3 euros (balance: EUR 8.52) via Moneybookers. Bob now has a balance of EUR 75.09. Alice has a balance of approximately EUR 11.12 (8.52 +3.00 -0.10 -0.29).

What we are seeing? Bob was negatively charged (EUR -3.00), while Alice was positively charged (difference +2.60 EUR). This is a win-lose.

Download

The software is based on a policy of transparency and sustainable development. The chosen license is the GNU GPL. It is free software. Thus, it has been made freely available on SourceForge.net to be downloaded and installed on servers online.

* Download the complete solution directly (the most current):

http://give1get2.com/give1get2.zip
http://give1get2.com/give1get2.7z (requires software 7zip)

* Mirror full download (stable):

http://sourceforge.net/projects/give1get2/

* [Moneybookers] Demo in action:

http://www.moneybookers.com/app/help.pl?s=m_gateway_demo
https://www.moneybookers.com/app/test_payment.pl

* [Moneybookers] The documentation for free download:

http://www.moneybookers.com/merchant/en/moneybookers_gateway_manual.pdf
http://www.moneybookers.com/merchant/en/automated_payments_interface_manual.pdf (not needed)

Software Installation

1. Buy a domain name (mytradingplatformsample.com) at a Registrar.

2. Getting accommodation containing enough space (approx 50 MB) and sufficient bandwidth (several Giga) depending on the number of users expected. (and POP3, FTP, and MySQL included)

3. De-compress the files previously downloaded. (as above)

4. Edit the file ’scripts sql tables & champs.sql’: at line 85, replace the email (alice@give1get2.com) and the merchant id (6173206) with your email and your merchant id obtained from moneybookers at the opening of your account. Replace the email as per your email on line 108.

5. Create a database “mocha” (without the double quotes) in your administration panel (usually the URL http://mytradingplatformsample.com/phpmyadmin/)

Create a user and give access rights to the database for reading and writing. (if not already done automatically).

6. Click the SQL tab, paste the data file ’scripts sql tables & champs.sql’ in the textbox and click Run. No error message should appear.

7. Change the default values by those who have been provided by the host in the file ‘params.php’ (without the single quotes) line 31 (host), line 32 (user), line 33 (password), line 34 (database)

8. On the web server, copy and paste the modified source (with default settings) in 7z and zip. Also create a folder /give1get2/. Upload files via FTP (ex FireFTP, a Firefox extension) with the parameters of the host ( ‘params.php’) in the directory previously created.

9. Launch the browser http://mytradingplatformsample.com/give1get2/. The index page should be displayed without an error message. Sources (7z and zip) should be downloadable from a tab ‘literature’ or ‘download’.

10. Suggest your site on search engines (eg http://www.google.com/addurl/?continue=/addurl)

11. Generate an XML sitemap and put it in the root (eg http://www.xml-sitemaps.com/)

12. Optimize your website (eg with Google Webmaster Tools)

Prerequisite:

The only equipment needed is a PC, operating system, Internet connection and web browser.

Designed in XHTML, CSS, JavaScript, PHP and SQL (CRUD). Requires MySQL, phpMyAdmin, POP3 for mail, FTP and a web browser. Has been tested and works with Apache (> = 1.3.33), MySQL (> = 4.1.9), PHP (> = 4.3.10), PhpMyAdmin (> = 2.6.1).

It’s a multitier architecture (data, business logic and presentation). The architecture is based on the project FreePay: http://freepay.fr/freepay.zip To deepen FreePay documentation is available. http://freepay.fr/freepay/nav_telechargement.php?option=documentation

The diagram of treatment processes the merchant side of the financial institution has been copied in an picture in attachment. “moneybookers_payment_gateway_api_details_interaction_diagram.png”

This script is also based on the API documentation “Moneybookers Payment Gateway – Merchant Integration Manual” (in English) – Version: <6.5>. http://www.moneybookers.com/merchant/fr/moneybookers_gateway_manual.pdf (43 pages) A new version may be out on time or you read these lines, which could cause problems.

The script takes into account that the fields by way of simplification. Regarding the optional fields: refer to official documentation.

The ISIN code is used again in this software (ISO 6166). The codification created the ZZ is to make a clear distinction and there have no ambiguity with the countries or territories with securities, according to ISO 3166-1.

The status of a transaction (statements):

2 : Processed
1 : Test // status added, not in the documentation
0 : Pending
-1 : Cancelled
-2 : Failed
-3 : Chargeback

The Stages of development (How)

Vision: The payment module FreePay and all of the modules below are replaced by the external API Moneybookers (financial institution approved by the FSA).

Consequences: The support payment module is outsourced. The project name no longer matches. The meta tags do not correspond. Menus no longer match.

1. Copy FreePay. All necessary modules are not removed unless the FSX. (+ Check that it works)

2. API Implementation Moneybookers (+ check that it works)

3. Mashup of two (Mashup)
creation of specific interface
creation of specific process
creation of the specific database (+ check that it works through a simulator engine of payment)

4. Re-factoring: Optimization Mashup (+ check that it works)

5. Publication on Internet

Architecture

The source code is in French. The source code comments are in French too. Except for the financial standards that are in English. The project is oriented towards internationalization (I18N).

All images are in a specific folder (/images).
All CSS (Stylesheets cascading) are in a specific folder (/style).
All that was attractive to user support is in the /support.
The documentation is in the /support /docs.
Everything concerning the internationalization is in the folder named “services/i18n.

The programming style is procedural: the methods are called in a specific order.

The visible part is composed of the main page of the history and documentation.

Restricting access is done through the sessions for the hidden part (payment process).

As a web project, the human-machine interface is based on an architecture is client/server. And the server to a 3-tier architecture (database, processing, presentation).

The database

It is composed of 4 tables per financial institution: ( “scripts sql tables & champs.sql” at the root)

-2 for the securities (already existing in FSX):

– List of past transactions carried on securities.
– List of securities for sale in their current states.

– 2 orders of payments (the before and after):

– List of past orders in the securities of FSX.
– List of payment orders sent by the API.

It is composed of 2 insertions in the tables corresponding to a title and its history.

The stages of payment for a user in FSX

The user has created and supplied a Moneybookers account. (https://www.moneybookers.com/app/register.pl)

1. The link to the login page is on the first page top right. The connection is with the email and digital identifier (Customer ID) associated with Moneybookers account.
(Visible beneath the menu in the interface Moneybookers). (No password is managed by Moneybookers upon payment to avoid external recovery)

2. The user goes to the purchase page and a ISIN number (defined as the value and benefit if necessary).

The purchase order is saved and accessible via the menu of the same name. It summarizes the status of the transaction (Active / Standby, Fails / Canceled or Finished).

3. According to the parameters ( “params.php”) defined by the administrator, the user is redirected either:
– On the test server (mb_test_payment.php) and valid
– Or Moneybookers ( https://www.moneybookers.com/app/payment.pl)

The redirection is done through a GET (passing all the required parameters). The solution has been chosen is a javascript redirect. (<script type=’text/javascript’>Code</ script>)

4. If the person given the right parameters, it falls just a password. Otherwise, it creates the account.

5. The payment is reversed or validated by the user. Moneybookers transfer money between the parties. Moneybookers sends a return code “HTTP 200″ POST only the status_url previously sent ( “Payment/pay/status_report.php”) and redirects the user to the platform FSX defined above.

– The software uses a coupling data (parameter passing).

if (isset ($ _POST [ 'mb_transaction_id'])) ($mb_transaction_id = $ _POST['mb_transaction_id'];)

– The data are then filtered for security reasons. ( “status_report_filtre.php”) Verifies that all fields are filled, they have the right kind, good length and good data (technical filtering whitelist).

example: checking that the original data (IP) is really from the financial institution to avoid any fraudulent attempt to send play money. (attack type “man in the middle”)

The amount returned by moneybookers be less than the amount indicated in the reservation (due to the taking of commission (fixed and variable) of the payment platform or GET parameters that can be modified en route by the user). The transfer of ownership of securities is based on new figures sent by the API only to avoid these problems.

6. Then, if all criteria are validated then the data are stored in the table of the api. (+ Current date) and displays as required by the file ‘pay_liste.php’ the customer reflected in his eyes when he returns to Give1Get2.

7. continuing process of transferring ownership (the transaction on hold “pending” changes to “done”) with the transaction number recovered by Moneybookers previously sent)

Each sale of title, money is saved in the accounts of the financial institution. In a crisis (such as unavailability of the platform title), the money, it is always available.

8. The user can see his tracks and refresh the page (F5). It can also use the emailling to expedite the payment process, then:
– The seller receives an email notification informing the FSX the transfer of title and the reception of money. (Transmitter + Silver + currency)
– The buyer receives an email notification from the financial institution. (+ Silver + dollar + product code)

9. Disconnecting the trading platform (FSX)

Views:

The architecture views is common FreePay (header and footer together on every page).

Menu: (Home, History of titles, title Buy, Purchase Order (Confirmation is visible if the order was successful) Consult your titles, Contact Us, Documentation)

– The user can see the transaction history.
– The user can buy a ISIN number.
– The user can consult the list of purchase orders and click on the transaction number for details of the transaction (if it succeeded).
– The user can see his tracks.

Compliance with W3C standards: has been validated XHTML 1.0 Transitional and CSS 2.0 in Mozilla Firefox, Internet Explorer and Safari.

Controllers:

These are the same as those of FreePay. PHP and Javascript for the client and server respectively.

Transactions that fail after 1 day were classified as having failed. (status to -2).

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).

Test and Verify:

The test accounts are opened at the initiative of customers. Funding test are given free Moneybookers.

Pass the following test series: Requires minimum 2 users. (Alice and Bob) Preparation: Note the financial position of existing users: “Balance in Euro” and “Balance of ISIN” for each.

Make a purchase and for 3 cases (less than, equal, higher), check:
– The balance of the buyer (Alice) has he fallen?
– The value of the security of the buyer (Alice) has she grown?
– The balance of the receiver (Bob) has he grown?
– The titles of the receiver (Bob) have decreased?
– The receiver (Bob) as been notified by email?

Next development platform:

FaceBook + Paypal

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. (http://europa.eu/scadplus/european_convention/objectives_en.htm). I joined in the “Support”> “docs” reference documents concerning the legislative, legal and regulatory framework that could be pertinent.

The website of the European Commission is very instructive on this issue. (http://ec.europa.eu/internal_market/top_layer/index_24_en.htm) Category: European Commission> Internal Market> Single Market for Services> Financial Services. I am not completely agree on the choice of this category since the trading platform offers a free service (without compensation) and does not manage money (only confirmation that the money has been transferred).

Fund investments> Alternative investments: there is a Draft Directive on fund managers known as “alternative. The draft guideline can still be changed, and the final version will not necessarily apply to specific cases. http://ec.europa.eu/internal_market/investment/alternative_investments_en.htm

Payment services> E-Money: The trading platform does not change. So, this concerns only the PSP Moneybookers. http://ec.europa.eu/internal_market/payments/emoney/index_en.htm

Payment services> e-Invoicing: PSP is Moneybookers which manages billing (it may disable) Only one copy is kept for archive purposes by the trading platform (or nothing depending on the setting) http://ec.europa.eu/internal_market/payments/einvoicing/index_en.htm

Financial conglomerates: Depending on the size of the trading system Give1Get2 and structure, it can enter or not enter this category. It is the selection of the contractors as opportunities for merger / acquisitions. http://ec.europa.eu/internal_market/financial-conglomerates/index_en.htm

Electronic Business: It depends on what is done by customers in return for money sent. http://ec.europa.eu/internal_market/e-commerce/directive_en.htm

Copyright:

My copyright is protected by the GNU General Public License. http://www.gnu.org/licenses/gpl.html

My creations are protected at European level by Council Directive 91/250/EEC of 14 May 1991 on the legal protection of computer programs. (http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=CELEX:31991L0250:EN:HTML)

My designs are protected internationally by the Berne Convention for the Protection of Literary and Artistic Works (currently managed by the World Intellectual Property Organization (WIPO), specialized agency within the UN). (source: http://www.wipo.int/treaties/en/ip/berne/trtdocs_wo001.html)

Disclaimer:

Using this application value of acceptance of the disclaimer as follows: The author assumes no responsibility for any consequences arising from the use of this application.

Script comes with no warranty.

If you have a problem of a financial nature relating to your moneybookers account, please contact Moneybookers customer service.

5 parties : Fournisseur, Consommateur, Concurrent, Partenaire et Soi-même.

Fournisseur :

- Les prestataires de services de paiement (PSP) ont un business model qui fonctionne par les commissions (partie fixe et variable) sur les transactions de leur clients (environ 2%). Pour que leur profit augmente, ils veulent augmenter leur volume de transactions et à ce que les clients envoient de plus grosse somme.

- Leur principaux partenaires sont les marchands et les plateforme de trading qui leur permet d’accroitre leur volume de transactions et les montants via les utilisateurs qui les utilisent. Ceci se fait par l’augmentation de leur nombre de clients qui est proportionnel à l’accès de leur système d’informations : l’API (Application Programming Interface) qui permet à quiconque d’automatiser les paiements.

- Leur fournisseurs sont une ou plusieurs banques. Les messages financiers sont géré électroniquement par la banque. Le PSP reçoit des confirmations via une API.

Consommateur :

- Les utilisateurs de l’internet veulent répondre à leur besoins. Les besoins de l’humanité sont récurrent (doivent être satisfait tout les jours). Ce besoin est soit un produit ou service, soit de l’argent. Les produits se trouvent chez les marchants en ligne (e-commerce). L’argent facilement gagné se trouve sur les plateforme de trading.

- Pour envoyer de l’argent, l’utilisateur à besoin d’un PSP. Et son PSP lui demande d’avoir un compte bancaire pour remplir son portefeuille électronique. Comparativement au PSP, l’internaute gagne plus par transaction si le profit est à sa valeur par défaut (maximum).

Concurrent, Partenaire et Soi-même :

- Le business model de la plateforme de trading est soit le même que celui du PSP (commissions par transactions), soit des frais d’entrée, soit des frais mensuels, soit des primes de parrainages (lien avec id) ou soit gratuit. (L’argent est gagné de la même manière que les utilisateurs.)

- Les fournisseurs des plateformes de trading sont les PSP avec leur API. (le logo est mis en évidence)

- Les utilisateurs consomment un service qui leur permet de déplacer de l’argent. La stratégie de déplacement de l’argent est définie soit par la plateforme de trading soit par les utilisateurs euxmême. (dépend de la politique interne de la plateforme de trading)

- La plateforme de trading est une couche logiciel au dessus du PSP. La conception et l’évolution de ce produit informatique peut être en partie externalisé auprès d’une ou plusieurs personnes qui s’occupe d’un logiciel libre de plateforme de trading ce qui permettrait de réduire les coûts et le temps de développement.

5 parts: Provider, Consumer, Competitor, Partner and Self.

Provider:

- Payment Services Providers (PSP) have a business model that works by commissions (fixed and variable) on the transactions of their customers (about 2%). To increase their profits, they want to increase their volume of transactions and that customers send the most money.

- Their main partners are the merchants and trading platform that allows them to increase their volume of transactions and amounts over the users who use them. This is done by increasing the number of customers that is proportional to the access of their information systems: the API (Application Programming Interface) that allows anyone to automate payments.

- Their suppliers are one or more banks. The financial messages are handled electronically by the bank. The PSP received confirmation via an API.

Consumer:

- The internet users want to meet their needs. The needs of humanity are recurrent (must be met every day). This need is either a product or service, or money. The products are among the online marketplaces (e-commerce). The easy money is on the trading platform.

- To send money, the user needs a PSP. PSP and asked to have a bank account to fulfill its electronic wallet. Compared to the PSP, the user earns more per transaction if the gain is at its default value (maximum).

Competitor, Partner and Self:

- The business model of the trading platform is either the same as the PSP (for transactions), or an entrance fee or monthly fee or premium sponsorships (link id) or is free. (The money is earned in the same way as users.)

- Providers of trading platforms are the PSP with their API. (the logo is highlighted)

- The users use a service that allows them to move money. The strategy of moving money is defined either by the trading platform or by users themselves. (depends on the internal politics of the trading platform)

- The trading platform is a software layer above the PSP. The design and evolution of the computer product can be partially outsourced to one or more persons caring for an open source trading platform that would reduce costs and development time.

2009 : Massachusetts Institute of Technology (MIT) OpenCourseWare (“Lecture Notes” uniquement)

• Anthropology
  • MIT Course 21A.100 – Introduction to Anthropology (Fall 2004)
  • MIT Course 21A.219 11.163J 17.249J – Law and Society (Spring 2003)
• Biology
  • MIT Course 7.013 – Introductory Biology (Spring 2006)
  • MIT Course 7.020 / 10.702 – Experimental Biology & Communication (Spring 2005)
  • MIT Course 7.020 CI / 10.702 CI – Experimental Biology – Communications Intensive (Spring 2005)
  • MIT Course 7.030 – Genetics (Fall 2004)
  • MIT Course 7.510 – Graduate Biochemistry (Fall 2001)
  • MIT Course 7.91J / 7.36J / 20.490J – Foundations of Computational and Systems Biology (Spring 2004)
• Brain and Cognitive Sciences
  • MIT Course 9.00 – Introduction to Psychology (Fall 2004)
  • MIT Course 9.01 – Introduction to Neuroscience (Fall 2007)
• Health Sciences and Technology
  • MIT Course HST.035 – Principle and Practice of Human Pathology (Spring 2003)
  • MIT Course HST.151 – Principles of Pharmacology (Spring 2005)
  • MIT Course HST.508 – Genomics and Computational Biology (Fall 2002)
  • MIT Course HST.542J – Quantitative Physiology Organ Transport Systems (Spring 2004)
  • MIT Course HST.921 / 922 – Information Technology in the Health Care System of the Future (Spring 2007)
  • MIT Course HST.950J / 6.872J – Medical Computing (Spring 2003)
  • MIT Course HST.951J / 6.873J – Medical Decision Support (Fall 2005)
• Political Science
  • MIT Course 17.045J – Power Interpersonal, Organizational and Global Dimensions (Fall 2005)
  • MIT Course 17.125 – The Politics of Global Financial Relations (Fall 2007)
  • MIT Course 17.315 – Comparative Health Policy (Fall 2004)
  • MIT Course 17.420 – Causes and Prevention of War (Spring 2005)
  • MIT Course 17.874 – Quantitative Research Methods: Multivariate (Spring 2004)
• Sloan School of Management
  • MIT Course 15.062 – Data Mining (Spring 2003)
  • MIT Course 15.352 – Managing Innovation Emerging Trends (Spring 2005)
  • MIT Course 15.356 – How to Develop “Breakthrough” Products and Services (Spring 2004)
  • MIT Course 15.402 – Finance Theory II (Spring 2003)
  • MIT Course 15.433 – Investments (Spring 2003)
  • MIT Course 15.501 – Introduction to Financial and Managerial Accounting (Spring 2004)
  • MIT Course 15.518 – Taxes and Business Strategy (Fall 2002)
  • MIT Course 15.615 – Law for the Entrepreneur and Manager (Spring 2003)
  • MIT Course 15.617 – The Law of Corporate Finance and Financial Markets (Spring 2004)
  • MIT Course 15.649 – The Law of Mergers and Acquisitions (Spring 2003)
  • MIT Course 15.810 – Introduction to Marketing (Spring 2005)
  • MIT Course 15.821 – Listening to the Customer (Fall 2002)
  • MIT Course 15.822 – Strategic Marketing Measurement (Fall 2002)
  • MIT Course 15.967 – Managing and Volunteering in the Non-Profit Sector (Spring 2005)
  • MIT Course 15.997 – Advanced Corporate Risk Management (Spring 2007)

2009 : Johns Hopkins Bloomberg School of Public Health (JHSPH)

• Johns Hopkins Public Health Preparedness Programs (JHSPHPP)

  • Agriculture, Food and Water
    • Biological Agents of Water and Foodborne Bioterrorism
    • Introduction to the Detection of Microbial Indicators and Pathogens in Food and Water
    • Food Safety
    • Water Safety
    • Water Safety – A Case Study
  • Chemical, Biological, Radiological, Nuclear, Explosive-related Trainings
    • Introduction to Chemical Agents
    • Monitoring Chemical Agents
    • Introduction to Weapons of Mass Destruction (Awareness-level)
    • Introduction to Weapons of Mass Destruction (Intermediate level)
  • Conference Archives
    • Emergency Preparedness Planning For Colleges and Universities
    • Risk Communication What Every Public Health Practitioner Needs to Know
  • General Public Health Preparedness
    • Environmental Health Sciences: Principles Applicable to Terror Preparedness
    • Improving Understanding and Collaboration Among First Responders
    • Personal Preparedness Planning
    • Public Health Preparedness Exercises From Design to Evaluation
    • Risk Communication During a Time of Crisis: How to Talk to People About Disasters
    • Risk Communication Strategies for Public Health Preparedness
  • Infectious Disease and Vaccines
    • Ecological Principles of Disease Systems Population Interactions and Dynamics
    • Emerging Infectious Diseases
    • Genomics and Infectious Disease
    • How Do Virus Epidemics Emerge
    • Measuring Disease Dynamics in Populations
  • Legal Issues
    • Public Health Law for Bioterrorism Preparedness and Response
    • Legal Bases for Public Health Preparedness for Terrorism
  • Mental Health Preparedness
    • Disaster Mental Health Intervention
    • Disaster Mental Health Planning
    • Introduction to Mental Health and Disaster Preparedness
    • Mental Health Self-Care
    • Psychological First Aid Competencies for Public Health Workers
    • Psychology and Crisis Response

• MidAtlantic Public Health Training Center (MAPHTC)

  • Combating Influenza Through Regulation and Immunization
  • Howard County to San Francisco Health Care for All
  • Maintaining Effective Public Health Partnerships
  • Maryland HIV / AIDS Update

• JHSPH OpenCourseWare (“Lecture Notes” uniquement)

  • Course 140.651.01 – Methods in Biostatistics I
  • Course 180.601.81 – Environmental Health
  • Course 221.688.81 – Social and Behavioral Foundations of Primary Health Care
  • Course 222.641.81 – Principles of Human Nutrition
  • Course 222.649.01 – International Nutrition
  • Course 306.680.81 – Ethics of Human Subject Research
  • Course 340.627.81 – Epidemiology of Infectious Diseases
  • Course 550.630.01 – Public Health Biology
  • Course 550.694.81 – Fundamentals of Epidemiology I
  • Course – Personal Preparedness Planning For Public Health Workers
  • Course – Public Health Practice 101
  • Course – Web 2.0: Risks for STI/HIV – Opportunities for Prevention

• NIMS Courses (Lecture uniquement)

  • IS-800.B National Response Framework, An Introduction
  • IS-700.A National Incident Management System (NIMS), An Introduction
  • IS-200.HC Applying ICS to Healthcare Organizations
  • IS-100.HC Introduction to the Incident Command System for Healthcare/Hospitals

- Moneybookers est un service paiement en ligne sécurisé qui vous permet d’envoyer et de recevoir de l’argent instantanément à partir d’une adresse e-mail. L’ouverture de compte est gratuite ; et le chargement et le retrait d’argent se fait par l’intermédiaire d’une carte de crédit (Visa, mastercard, diners, american express, jcb, delta / visa debit et visa electron) ou par virement bancaire.

- Moneybookers est traduit en 12 langues différentes. (Anglais, Allemand, Français, Espagnol, Italien, Polonais, Grec moderne, Roumain, Russe, Turc, Chinois, Tchèque)

- Les frais de transaction sont peu élevé et les transactions peuvent être consultées dans l’historique du compte à tout moment.

- Moneybookers est une institution émettrice de monnaie électronique qui permet au marchands (société ou négociant) d’accepter les paiements en ligne de clients du monde entier sans aucun frais d’installation, ni de frais mensuels. (en anglais : Payment Service Provider)

- Moneybookers Ltd est une société enregistrée au registre du Commerce de l’Angleterre et du Pays de Galles sous le No 4260907. Siège social: Welken House, 10-11 Charterhouse Square, London, EC1M 6EH. Elle est agréé en vertu de la législation du Royaume-Uni et de l’Union Européenne et régi par la Financial Services Authority (FSA), l’Autorité des services financiers au Royaume-Uni.

Source :
• Le Site officiel de Moneybookers http://moneybookers.com/
• Electronic Commerce (EC Directive) Regulations’ – Avertissement légal
http://www.moneybookers.com/app/help.pl?s=ecrcpr
• Financial Services Authority of the United Kingdom (FSA) : http://www.fsa.gov.uk/
• Numéro d’enregistrement de Moneybookers auprès de la FSA : 214225
http://www.fsa.gov.uk/register/firmSearchForm.do
• Financial Services and Markets Act 2000 : http://www.opsi.gov.uk/acts/acts2000/ukpga_20000008_en_1
• The Electronic Commerce (EC Directive) Regulations 2002 http://www.opsi.gov.uk/si/si2002/20022013.htm
• Directive 2000/46/CE du Parlement européen et du Conseil du 18 septembre 2000 concernant l’accès à l’activité des établissements de monnaie électronique et son exercice ainsi que la surveillance prudentielle de ces établissements
http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=CELEX:32000L0046:FR:NOT