PayBook : Alternative Trading System (ATS) with Paypal Express Checkout Guide Dev EN (Chrysoberyl version)

PayBook : Alternative Trading System (ATS) with Paypal Express Checkout Guide Dev EN

(Chrysoberyl version)

The French version is the primary source for all translations. For non French-speaking or non English speaking, there are tools as Translation Google translate (http://translate.google.fr/translate_t#) to read documents in your language.
Problems & Vision: Creating a world without poverty to enable education, reducing disease, reducing mortality and move towards principles.

The paradigm shift

The existing paradigm solves some problems, so it was accepted by the past. However, at this moment, it does not meet the demand of everyone. So there was questioning and demand 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 « Paybook » 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. 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 (Paypal Express Checkout) and the FreePay Trading System (FTS) to help raise account balance of participants. (+1 Euro each time)


Directed:

The software has been tested in the « PayPal Sandbox » with the first 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 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 (PayPal registers 141 million customers, according to PayPal). 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 could be of the organization non-profit.

Strategies for doing business

There are 3 possible strategies for 2 people: lose, no deal or win. (ie 9 combinations in total)

Case study: I do not want to lose money (destruction of money) I do not want to lose money for someone wins. (theft of money) I want to change. I do not make money for someone to lose. (theft of money) I do not want to make money alone. (counterfeit) I want to make money and someone else wins, too.

The only solution that seems feasible is: the win-win strategy.

Business Model of a trading platform in line with a win-win strategy:

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

Provider:
– The Payment Service Provider (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.

Interoperability: How do I know if the API is an electronic money institution financial supports of the FSX 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-merchant
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)

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).

PSP’s Choice:

We should not make a money transfer (transaction) before checking that we can save the trace. Because otherwise the person will be disappointed to have paid without obtaining its counterpart.

Given the rapid evolution of payment systems, it is preferable that the API manages versions so that older versions still work.

The issue of security has also been a decisive factor.

The PayPal Express Checkout API was chosen because it repect constraints.
http://www.paypal.fr/presentation

Paypal SandBox API : https://developer.paypal.com/

We must upgrade the account to buy and sell with the system: Upgrade the account> choose Premier (or business account).

To obtain credentials to the API:
– Click on My Acount> Profile> API Access> Request API Credentials> API Signature> Agree and Submit
– Copy and Paste the Username, Password and the signature to authenticate to the platform.

== PayPal Sandbox ==

paypal sandbox login email: me@mypreferedhost.com
password paypal sandbox: a 

== alice (premier) ==

login email PayBook : alice@mypreferedhost.com
password PayBook : ab

email Paypal : alice_1234524871_per@mypreferedhost.com
password Paypal : abc

API Username:    alice_1234524871_per_api1.mypreferedhost.com
API Password:    PSHQHGQGRDMH2Y7F
Signature: Ajd8FF2KxieV-6BxPDy4odWHclXnAjl3TA568AvD4KSTbwfGqKT84ljS

== bob (premier) ==

login email PayBook : bob@mypreferedhost.com
password PayBook : a

login email Paypal : bob_1228753395_per@mypreferedhost.com
password Paypal : ab

API Username:      bob_1228753395_per_api1.mypreferedhost.com
API Password:     5396CWRJP62HES74
Signature:     AFcWxV21C7fd0v3bYYYRCpSSRl31AXl353cqalhXTzu4SnL2g5ZYdjTa 

The diagram of treatment processes the merchant side of the financial institution has been copied in an image software. Express Checkout flow.png « ( » PayPal Sandbox User Guide (in English) p41: « Testing PayPal NVP APIs ») version 2.3

To raise money on his paypal account:
Accommodation> Main Page> My recent activity> Application Status / Action> Collect / capture> collection batch> see all search> check all> check the selected items> Collections> batch sent> My Account

The financial institution may allow constraints on the visual integration of its logo on a home page at different mode of payments and options.
https://www.paypal.com/fr/cgi-bin/webscr?cmd=xpt/Marketing/general/AcceptanceMarkLogos-outside

What is « Paybook?

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:

Bob sends money to Alice. Bob is the debtor. Alice is the creditor. If variable costs and fixed costs are higher than that received by Alice, Bob and Alice are negatively charged so it is therefore 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.

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.

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.

Traditionally, it is a relationship with 2 people only. The problem 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 is an advantage of opportunities for success.

As I demonstrate, we can turn a losing strategy in a winner – win-win strategy. That’s what we do now.

Download

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


Software Installation 1. Buy a domain name (myonlinetradingplatformsample.com) with a Registrar.

2. Getting accommodation containing enough space (approx 60 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’:
– Replace email in the table freepay_titre
– Replace customer information in the table freepay_client

5. Create a database « Paybook » (without the double quotes) in your control
administration (usually the URL http://myonlinetradingplatformsample.com/phpmyadmin/)
– Create a user and give access rights to the database for reading and writing. (if this is not 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) host, user, password, database.

8. On the web server, copy and paste the modified source (with default settings) in 7z and zip. Also create a folder /paybook/. 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://myonlinetradingplatformsample.com/paybook/. The index page should be displayed without an error message. Sources (7z and zip) should be downloadable from a tab ‘documentation’ 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 https://www.google.com/webmasters/tools)

Prerequisite:

User:
– The only equipment needed is a PC, operating system, Internet connection and a web browser.
– Multi-platform: runs on Windows or Linux using Internet Explorer or Firefox.
– The training is free. It is the documentation.Developer:
– Designed by 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) with the cURL extension installed and PhpMyAdmin (> = 2.6.1).

The architecture is three tier (data, business logic and presentation). The architecture is based on
Give1Get2 the project. (http://sourceforge.net/projects/give1get2/) To deepen the Give1Get2 documentation is available. (http://give1get2.sourceforge.net/give1get2/nav_telechargement.php?option=documentation)

The script takes into account that the fields by way of simplification. For this which is optional fields: refer to official documentation.

The ISIN code is used again in this software (ISO 6166). The consolidation 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: validated (PROCESSED)
1: Test
0: Pending (Pending)
-1: Void (Canceled)
-2: Failed (Failed)
-3: Back (Chargeback)

The process explains how to switch from « Give1Get2 » to the next version « Paybook »:

Mashup Give1Get2 without Moneybookers (for architecture) + FreePay (for additions) + Paypal Express Checkout (for connection) = Paybook ATS


find a test server
delete the existing db test to avoid slip-ups.
create basic user rights
update software ftp
create ftp user
delete ftp test
create a subdomain.
Internal change the logo (not changed the other)
Install scripts. + Db
Delete the default page if necessary
rename the installation directory
configure with the settings (be careful with prefixes)

Interface:
creation of account (email, pass, API_username, API_password, API_signature)
import script « client_ajouter.php » and its interface FreePay
nav top to change the link to « client_ajouter.php »
add to the interface API_username, API_password, API_signature  »
change the treatment on « API_username, API_password, API_signature »
modify the db on « API_username, API_password, API_signature »
add disclaimer
information account creation api verified by paypal (trying a command)
change url absolute and relative current directory
any error messages
recovery post on error
PayPal API error display well formatted
API function paypal town client_ajouter.php and client_modifier.php
optimize the verification ACK
login (email, password)
add link « open account »
change default directory
check login and pass FreePay
disconnection
change default directory
changing the account (mdp, api)
import « client_modifier.php »
create interface in separate file
Modified treatment
Info modified api verified account with paypal (trying a command)
the person changes its api credentials and it still works (by paypal, we can not modify)
optimize the verification ACK
PayPal API error display well formatted
menu
change « mb_paiement_en_attente.php » in psp_ordre_afficher.php
change the menu link
JavaScript Core Curriculum:
JavaScript validation registration (EN + FR) (longer)
JavaScript validation connection (EN + FR) (same for short)
Warning message javascript i18n
define the encoding for file European UTF-8
follow the guidance of visual integration
change the PSP logo
follow the guidelines
change the meta tags (keywords)
logo change trading platform

Treatment:
create account paypal sandbox
first create accounts with API
be connected to PayPal sandbox for testing
GetExpressCheckout
edit table « freepay_achat_en_attente » with token
edit integration with token (the seller)
retrieve API_username, API_password, API_signature from the token (the seller)
Giving meaning and GetExpressCheckout DoExpressCheckoutPayment.
GetExpressCheckout: information about the buyer
DoExpressCheckoutPayment: information on payment
be able to assert the success or failure
record the response? -> Keep simple and stupid: do not save
treatment (status_report.php)
If> =:
money transfer?
Change of Ownership?
history?
new tariff?
if <:
money transfer?
deduction under former guard and former owner
create new title and new owner
histo new title

db:
table « Freepay_titre » substitute « goods / id » APIs by info (username, password, signature)
edit table fields
modify request
Redirecting to Paypal

CP: reading directories for documentation (faster than typing by hand)
Official documentation move the SPP in the « paypal » Project
rename files for conventions of writing
also include the source document cited in the external doc internal compliance with copyright
photo paper at the end of poverty (too heavy (8 MB), abandoned)

delete:
mb_afficher.php
nav_transaction.php
Services / ISIN / ISIN_verif.php
support / plan.php
support / moneybookers.php

check: no errors should appear when you type the name of the page in the browser
paiement/titre/titre_acheter_interface2.php
Payment / title / titre_acheter_interface.php
support / customer / client_modifier_interface.php
support / customer / client_modifier.php
support / customer / client_ajouter_interface.php
support / customer / client_ajouter.php
support / customer / connexion_interface.php
support / customer / connexion.php
Pay / status_report.php
title / titre_consulter.php

test:
success>
success =
success <


write documentation Give1Get2 (Dev, User, Slides)
– User’s Guide: Making screenshots
IN
EN
– Dev Guide
– Slides- Change the name of the project for compliance
– Put the paypal functions in separate files.
– Change currency: EUR = CurrencyCode set in SetExpressCheckout and DoExpressCheckoutPayment
– What happens if a person paying on the psp is not authenticated on FSX? A receives the money. B pays. B receives nothing. C does not receive the claim and pays nothing.
– Specified that is the Name-Value Pair (NVP) API cURL is used.

– Redirect on the PSP with the local language (FR or EN)
– User guide with screenshot in English
– Respect the conventions of graphic presentation of documentation (User Guide FR and EN)

Marketing:
– PayPal Training Library
– Sign guru.com
– Answer questions on forums

Web Performance Best Practices :
Optimize images
Serve resources from a consistent URL
Avoid CSS expressions
Combine external CSS
Specify image dimensions
Minimize redirects
Put CSS in the document head
Use efficient CSS selectors

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.

The existence of a claim can be verified through history.

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

The availability of a claim can be verified by applying the filter with the ISIN number as parameter.

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 »
present at the root)

– Freepay_achat_en_attente: list of attempted transactions. (num_transaction `,` num_titre `,` valeur_titre `,` profit_titre `,` date_attente `,` mail_acheteur `,` mail_vendeur `,` status `,` token `)
– Freepay_client: Information Client API (mailcli `,` mdpcli, API_username « , `API_password`, `API_signature`, «  datecreationcompte)
– Freepay_titre: list of securities for sale in their current states. (Numtitre « , `datetitre`, `valeurtitre`, «  mailcli)
– Freepay_titre_transferer: list of orders made. (DateT « , `numtitre`, `mailcli`, `achattitre`, «  tauxprofit)

The stages of payment for a user in FSX 1. The user creates his account with the PSP, has supplied, has outperformed his account and retrieve the information API.

2. The user creates an account. (Link on the first page top right.)

3. The user goes to the purchase page and select an ISIN number (defined as the value and profit if needed).

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

4. The user is redirected to the PSP. She did all the steps required for payment. And returned on the trading platform automatically.

5. The money was transferred by the PSP and the equivalent request for payment also. (Transfer
possession of securities is based on new figures sent by the API to prevent any attempt of fraud.) The pending transaction « pending » changes to « done » with the transaction number recovered from the PSP. For each transaction, 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.

6. 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 receipt of money. (Transmitter + money + currency)

– The buyer receives an email notification from the financial institution. (+ money + currency + product code)

The balance of the user is higher than it was before without the use of this application. This was to be demonstrated.

Each user can repeat the process as many times as he wants without restrictions.

7. The user disconnects from the trading platform (FSX) and PSP.

Views: The architecture views is common FreePay (header and footer together on all pages).

Menu: Home, History of trade, Online Payment, Transaction History, My claims, Contact, Documents

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 client and server side 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 cross-site scripting (XSS) attacks 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 by the PSP.

Pass the following test series: Requires minimum 2 users. (Alice and Bob)

Preparation: Note the financial position of existing users: « Balance in Euro » and « ISIN Balance » 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) has it been notified by email?

Next development platform: FaceBook

Legality: I think my system is legal because I am doing research in this direction before putting in
free. I believe it is in line with the principles of the European Union.
(http://europa.eu/scadplus/european_convention/objectives_fr.htm). I have attached the file
« Support »> « docs » reference documents concerning the legislative, legal and regulation which might be pertinent.

The website of the European Commission is very instructive on this issue. (
http://ec.europa.eu/internal_market/top_layer/index_24_fr.htm) Category: Commission
European> 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
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_fr.htm

Payment services> E-Money: The trading platform does not change. So, this concerns only the PSP. http://ec.europa.eu/internal_market/payments/emoney/index_fr.htmPayment services> e-Invoicing: PSP is Moneybookers which manages billing (it can disable) Only one copy is kept for archive purposes by the trading platform (or anything depending on the setting)
http://ec.europa.eu/internal_market/payments/einvoicing/index_fr.htm

Financial conglomerates: Depending on the size of the trading system Paybook 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/financialconglomerates/index_fr.htm

Electronic Business: It depends on what is done by customers in return for the money sent. http://ec.europa.eu/internal_market/e-commerce/directive_fr.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 Directive 91/250/EEC of 14 May 1991 on the legal protection of computer programs. (http://eurlex.europa.eu/LexUriServ/LexUriServ.do?uri=CELEX:31991L0250:FR: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/fr/ip/berne/trtdocs_wo001.html)

Disclaimer: Using this application value of acceptance of the disclaimer Next: The author assumes no responsibility for any consequences that may result from using this application.

Script comes with no warranty.

The 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)Contact:

As a developer, I always look for a way to produce more at lower cost. My motivation is based on the fact that the software works and it is useful. While I agree that the type of communication is more efficient face to face, I acknowledge that I am not always available and so I put up with written documentation. Under a policy of transparency, I also put my resume attached in order to learn who wants my identity and my professional skills (which leaves several ways to contact me). His reading is optional.

Also, I’m open to suggestions for improving the software. If there are bugs, so I can correct them, I must have accurate knowledge. From my experience, to improve a system requires that users can contact the author for improvement of the platform is through positive feedback loops at the initiative of users. This will return to the basic architecture of the next version (which will contain the existing + corrections).

Finally, if you have a problem of a financial nature relating to your PayPal account, you can contact the customer service of PayPal. (https://www.paypal.com/fr/cgi-bin/webscr?cmd=_contact-phone)

Publicités

Give1Get2 Developer’s Guide English

Give 1 Get 2 – Give One Get Two / MOCHA – Moneybookers Exchange
(v. Beryl)

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.

The strategy for doing business

There are 3 possible strategies for 2 people: lose, no deal or win. (representing 9 combinations in total)

Case study: I do not want to lose money (destruction of money) I do not want to lose money for someone wins. (theft of money) I want to change. I do not make money for someone to lose. (theft of money) I do not want to make money alone. (counterfeit) I want to make money and someone else wins, too.

The only solution that seems feasible is: the win-win strategy.

Business Model of an online trading platform with a Win-Win Strategy:

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.

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:


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).

What is « Give1Get2?

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.


People Alice
Bob
Time
Before After Before After
Balance 10.82 EUR 10.62 EUR 78.19 EUR 78.09 EUR


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).

People Alice
Bob
Time Before After Before After
Balance 8.52 EUR 11.12 EUR 78.09 EUR
75.09 EUR


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.

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.

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.

Traditionally, it is a relationship with 2 people only. The problem 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.

As I demonstrate, we can turn a win-lose strategy into a win-win strategy. That’s what we do now.


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.

Multi-platform: runs on Windows or Linux using Internet Explorer or Firefox.
The training is free. It is the documentation.


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

For non French-speaking or non English speaking, there are translation tools like Google translate to read documents in your language.


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.

The existence of a claim can be verified through history.


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

The availability of a claim can be verified by applying the filter with the ISIN number as parameter.


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.

The Organization

The Indefinite Lifespan Foundation is a nonprofit charitable organization, 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 computer science. (Currently being created)

Contact:

As a developer, I always look for a way to produce more at lower cost. My motivation is based on the fact that the software works and it is useful. While I agree that the type of communication is more efficient face to face, I acknowledge that I am not always available and so I put up with written documentation. Under a policy of transparency, I also put my resume attached in order to learn who wants my identity and my professional skills (which leaves several ways to contact me). His reading is optional.

Also, I’m open to suggestions for improving the software. If there are bugs, so I can correct them, I must have accurate knowledge. From my experience, to improve a system requires that users can contact the author for improvement of the platform is through positive feedback loops at the initiative of users. This will return to the basic architecture of the next version (which will contain the existing + corrections).


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

FreePay – Free Banking solution with SWIFT, Payment and ecommerce

FreePay is an online free banking solution (in beta) aiming to finance innovative projects and based on several components:

  • Open Formats and Standards
  • a Free Market (MIC Code)
  • a Free SWIFT (BIC Code)
  • a Free Banking System (IBAN Code)
  • a Free Payment Service Provider (FreePay PSP)
  • a Free Credit Card Validation (FreeCard)
  • an E-Commerce (FreeShop)
  • a Free Stock Exchange (FSX)

Available here

Download a brochure (.pdf) Image brochure PDF (.odp)

ISO 10383 : Codes for exchanges and market identification (MIC)

source : http://freepay.fr/freepay/services/MIC/MIC_afficher.php

MIC Institution Code Pays Ville ACCR
XA1X A1 AR ARGENTINA BUENOS AIRES  
XADS ABU DHABI SECURITIES MARKET AE UNITED ARAB EMIRATES ABU DHABI ADSM
XDRF AIAF – MERCADO DE RENTA FIJA ES SPAIN MADRID  
XALG ALGIERS STOCK EXCHANGE DZ ALGERIA ALGIERS  
AIMX ALTERNATE INVESTMENT MARKET GB UNITED KINGDOM LONDON AIM
ALTX ALTERNATIVE EXCHANGE ZA SOUTH AFRICA JOHANNESBURG ALTX
XASE AMERICAN STOCK EXCHANGE US UNITED STATES OF AMERICA NEW YORK AMEX
XAMM AMMAN STOCK EXCHANGE JO JORDAN AMMAN  
NLPX APX POWER NL NL THE NETHERLANDS AMSTERDAM  
UKPX APX POWER UK GB UNITED KINGDOM LONDON  
XAZX ARIZONA STOCK EXCHANGE US UNITED STATES OF AMERICA PHOENIX AZX
XARM ARMENIAN STOCK EXCHANGE AM ARMENIA YEREVAN ARMEX
XAPI ASIA-PACIFIC INTERBANK CURRENCY EXCHANGE, THE RU RUSSIA VLADIVOSTOK APICEX
XASX ASX OPERATIONS PTY LIMITED AU AUSTRALIA SYDNEY ASX
XADE ATHENS DERIVATIVES EXCHANGE S.A., THE GR GREECE ATHENS ADEX
XATH ATHENS STOCK EXCHANGE GR GREECE ATHENS  
AWBX AUSTRALIAN WHEAT BOARD AU AUSTRALIA MELBOURNE AWB
AWEX AUSTRALIAN WOOL EXCHANGE AU AUSTRALIA LANE COVE AWEX
XSTU BADEN-WUERTTEMBERGISCHE WERTPAPIERBOERSE ZU STUTTGART DE GERMANY STUTTGART  
XBAA BAHAMAS INTERNATIONAL SECURITIES EXCHANGE BS BAHAMAS NASAU BISX
XBAH BAHRAIN STOCK EXCHANGE BH BAHRAIN MANAMA BSE
XIBE BAKU INTERBANK CURRENCY EXCHANGE AZ AZERBAIJAN BAKU  
XBAN BANGALORE STOCK EXCHANGE LTD IN INDIA BANGALORE  
XBLB BANJA LUKA STOCK EXCHANGE BA BOSNIA AND HERZEGOVINA BANJA LUKA  
XBAB BARBADOS STOCK EXCHANGE BB BARBADOS BRIDGETOWN BSE
XBAR BARCELONA STOCK EXCHANGE ES SPAIN BARCELONA  
BATS BATS TRADING US UNITED STATES OF AMERICA KANSAS CITY BATS
XMUN BAYERISCHE BOERSE DE GERMANY MUENCHEN  
BCSE BELARUS CURRENCY AND STOCK EXCHANGE BY BELARUS MINSK BCSE
BLPX BELGIUM POWER EXCHANGE BE BELGIUM BRUSSELS BLPX
XBEL BELGRADE STOCK EXCHANGE RS SERBIA (REPUBLIC OF) BELGRADE  
XBER BERLINER WERTPAPIERBOERSE DE GERMANY BERLIN  
XBDA BERMUDA STOCK EXCHANGE LTD, THE BM BERMUDA HAMILTON BSX
XBRN BERNE STOCK EXCHANGE CH SWITZERLAND BERNE  
BIDS BIDS TRADING L.P. US UNITED STATES OF AMERICA NEW YORK BIDS
XBOL BOLSA BOLIVIANA DE VALORES S.A. BO BOLIVIA LA PAZ  
XBBF BOLSA BRASILIERA DE FUTUROS BR BRAZIL RIO DE JANEIRO BBF
XBCV BOLSA CENTROAMERICANA DE VALORES S.A. HN HONDURAS TEGUCIGALPA BCV
XBCC BOLSA DE COMERCIO DE CORBODA AR ARGENTINA CORDOBA  
XROS BOLSA DE COMERCIO ROSARIO AR ARGENTINA ROSARIO ROFEX
XBCM BOLSA DE COMMERCIO DE MENDOZA S.A. AR ARGENTINA MENDOZA  
XMAD BOLSA DE MADRID ES SPAIN MADRID  
XBMF BOLSA DE MERCADORIAS E FUTUROS BR BRAZIL SAO PAULO BM AND F
XVAL BOLSA DE VALENCIA ES SPAIN VALENCIA  
XBIL BOLSA DE VALORES DE BILBAO ES SPAIN BILBAO  
XCAR BOLSA DE VALORES DE CARACAS VE VENEZUELA CARACAS  
XBOG BOLSA DE VALORES DE COLOMBIA CO COLOMBIA BOGOTA BVC
XBVR BOLSA DE VALORES DE LA REPUBLICA DOMINICANA SA. DO DOMINICAN REPUBLIC ST DOMINGO BVRD
XLIM BOLSA DE VALORES DE LIMA PE PERU LIMA BVL
XMNT BOLSA DE VALORES DE MONTEVIDEO UY URUGUAY MONTEVIDEO BVMT
XMAN BOLSA DE VALORES DE NICARAGUA NI NICARAGUA MANAGUA  
XPTY BOLSA DE VALORES DE PANAMA, S.A. PA PANAMA PANAMA BVP
XBSP BOLSA DE VALORES DE SAO PAULO BR BRAZIL SAO PAULO BOVESPA
XRIO BOLSA DE VALORES DO RIO DE JANEIRO BR BRAZIL RIO DE JANEIRO BVRJ
XGTG BOLSA DE VALORES NACIONAL SA GT GUATEMALA GUATEMALA  
XVPA BOLSA DE VALORES Y PRODUCTOS DE ASUNCION SA PY PARAGUAY ASUNCION BVPASA
XMEX BOLSA MEXICANA DE VALORES (MEXICAN STOCK EXCHANGE) MX MEXICO MEXICO  
XBNV BOLSA NACIONAL DE VALORES, S.A. CR COSTA RICA SAN JOSE BNV
XBES BOND EXCHANGE OF SOUTH AFRICA ZA SOUTH AFRICA JOHANNESBURG BESA
XBMK BONDMART US UNITED STATES OF AMERICA NEW YORK  
BOND BONDVISION IT ITALY ROMA  
XMIL BORSA ITALIANA S.P.A. IT ITALY MILANO  
XBOX BOSTON OPTIONS EXCHANGE US UNITED STATES OF AMERICA BOSTON BOX
XBOS BOSTON STOCK EXCHANGE US UNITED STATES OF AMERICA BOSTON BSE
XBOT BOTSWANA STOCK EXCHANGE BW BOTSWANA GABORONO  
XBEY BOURSE DE BEYROUTH LB LEBANON BEYROUTH  
XTUN BOURSE DES VALEURS MOBILIERES TN TUNISIA TUNIS BVMT
XBRV BOURSE REGIONALE DES VALEURS MOBILIERES CI IVORY COAST ABIDJAN BRVM
XBRA BRATISLAVA STOCK EXCHANGE, THE SK SLOVAKIA BRATISLAVA BSSE
XBRE BREMER WERTPAPIERBOERSE DE GERMANY BREMEN  
BTEE BROKERTEC EUROPE LTD. GB UNITED KINGDOM LONDON BTEC
XBSE BUCHAREST STOCK EXCHANGE RO ROMANIA BUCHAREST BVP
XBUD BUDAPEST STOCK EXCHANGE HU HUNGARY BUDAPEST  
XBUE BUENOS AIRES STOCK EXCHANGE AR ARGENTINA BUENOS AIRES  
XBUL BULGARIAN STOCK EXCHANGE BG BULGARIA SOFIA BSE
XKLS BURSA MALAYSIA MY MALAYSIA KUALA LUMPUR  
XDPA CADE – MERCADO DE DEUDA PUBLICA ANOTADA ES SPAIN MADRID  
XCAI CAIRO AND ALEXANDRIA STOCK EXCHANGE EG EGYPT CAIRO CASE
XCAL CALCUTTA STOCK EXCHANGE IN INDIA CALCUTTA  
CANX CANNEX FINANCIAL EXCHANGE LTS. CA CANADA TORONTO CANNEX
XCFF CANTOR FINANCIAL FUTURES EXCHANGE US UNITED STATES OF AMERICA NEW YORK CANTOR
XBVC CAPE VERDE STOCK EXCHANGE, THE CV CAPE VERDE PRAIA BVC
XCAS CASABLANCA STOCK EXCHANGE MA MOROCCO CASABLANCA  
XCAY CAYMAN ISLANDS STOCK EXCHANGE KY CAYMAN ISLANDS GEORGETOWN  
XCBF CBOE FUTURES EXCHANGE US UNITED STATES OF AMERICA CHICAGO CFE
XNKS CENTRAL JAPAN COMMODITIES EXCHANGE JP JAPAN NAGOYA C-COM
CCLX CENTRALE DE COMMUNICATIONS LUXEMBOURG S.A. LU LUXEMBOURG LUXEMBOURG CCLux
XCBT CHICAGO BOARD OF TRADE US UNITED STATES OF AMERICA CHICAGO CBOT
FCBT CHICAGO BOARD OF TRADE (FLOOR) US UNITED STATES OF AMERICA CHICAGO CBOT (FLOOR)
XCBO CHICAGO BOARD OPTIONS EXCHANGE US UNITED STATES OF AMERICA CHICAGO CBOE
XCCX CHICAGO CLIMATE EXCHANGE, INC US UNITED STATES OF AMERICA CHICAGO CCX
XCME CHICAGO MERCANTILE EXCHANGE US UNITED STATES OF AMERICA CHICAGO CME
FCME CHICAGO MERCANTILE EXCHANGE (FLOOR) US UNITED STATES OF AMERICA CHICAGO CME (FLOOR)
XCRC CHICAGO RICE AND COTTON EXCHANGE US UNITED STATES OF AMERICA CHICAGO  
XCHI CHICAGO STOCK EXCHANGE, INC. US UNITED STATES OF AMERICA CHICAGO CHX
XCFE CHINA FOREIGN EXCHANGE TRADE SYSTEM CN CHINA SHANGHAI CFETS
XCHG CHITTAGONG STOCK EXCHANGE LTD. BD BANGLADESH CHITTAGONG CSE
XCOL COLOMBO STOCK EXCHANGE LK SRI LANKA COLOMBO  
XCEC COMMODITIES EXCHANGE CENTER US UNITED STATES OF AMERICA NEW YORK COMEX
XCSE COPENHAGEN STOCK EXCHANGE DK DENMARK COPENHAGEN  
CRDL COREDEAL MTS GB UNITED KINGDOM LONDON  
XCYS CYPRUS STOCK EXCHANGE CY CYPRUS NICOSIA (LEFKOSIA) CSE
XDCE DALIAN COMMODITY EXCHANGE CN CHINA DALIAN DCE
DAMP DANISH AUTHORISED MARKET PLACE LTD. DK DENMARK COPENHAGEN DANSK AMP
XDAR DAR ES SALAAM STOCK EXCHANGE TZ TANZANIA DAR ES SALAAM  
XDES DELHI STOCK EXCHANGE IN INDIA DELHI  
XFRA DEUTSCHE BOERSE AG DE GERMANY FRANKFURT AM MAIN  
XETR DEUTSCHER KASSENVEREIN AG GRUPPE DEUTSCHE BOERSE DE GERMANY FRANKFURT AM MAIN XETRA
XDHA DHAKA STOCK EXCHANGE LTD BD BANGLADESH DHAKA DSE
EDGA DIRECT EDGE ECN (EDGA) US UNITED STATES OF AMERICA JERSEY CITY  
EDGX DIRECT EDGE ECN (EDGX) US UNITED STATES OF AMERICA JERSEY CITY  
DSMD DOHA SECURITIES MARKET QA QATAR DOHA DSM
XDFB DONETSK STOCK EXCHANGE UA UKRAINE DONETSK DFB
XDFM DUBAI FINANCIAL MARKET AE UNITED ARAB EMIRATES DUBAI DFM
DGCX DUBAI GOLD AND COMMODITIES EXCHANGE DMCC AE UNITED ARAB EMIRATES DUBAI DGCX
DIFX DUBAI INTERNATIONAL FINANCIAL EXCHANGE LTD. AE UNITED ARAB EMIRATES DUBAI DIFX
XEAS EASDAQ BE BELGIUM LEUVEN  
XECS EASTERN CARIBBEAN SECURITIES EXCHANGE KN SAINT KITTS AND NEVIS BASSETERRE ECSE
XEDX EDX LONDON LIMITED GB UNITED KINGDOM LONDON  
XSVA EL SALVADOR STOCK EXCHANGE SV EL SALVADOR EL SALVADOR  
HDAT ELECTRONIC SECONDARY SECURITIES MARKET (HDAT) GR GREECE ATHENS HDAT
XEUB EUREX BONDS DE GERMANY FRANKFURT AM MAIN  
ECAG EUREX CLEARING AG DE GERMANY FRANKFURT AM MAIN  
XEUR EUREX DEUTSCHLAND DE GERMANY FRANKFURT AM MAIN  
XEUP EUREX REPO GMBH DE GERMANY FRANKFURT AM MAIN  
TMTS EUROBENCHMARK TRES. BILLS GB UNITED KINGDOM LONDON  
CMTS EUROCREDIT GB UNITED KINGDOM LONDON  
LMTS EUROGLOBAL MTS GB UNITED KINGDOM LONDON  
EMTS EUROMTS GB UNITED KINGDOM LONDON EMTS
KMTS EUROMTS LINKERS MARKET GB UNITED KINGDOM LONDON  
XAMS EURONEXT AMSTERDAM NL THE NETHERLANDS AMSTERDAM EURONEXT
XBRU EURONEXT BRUSSELS BE BELGIUM BRUSSELS EURONEXT
XEUC EURONEXT COM, COMMODITIES FUTURES AND OPTIONS NL THE NETHERLANDS AMSTERDAM EURONEXT
XEUE EURONEXT EQF, EQUITIES AND INDICES DERIVATIVES NL THE NETHERLANDS AMSTERDAM EURONEXT
XEUI EURONEXT IRF, INTEREST RATE FUTURE AND OPTIONS NL THE NETHERLANDS AMSTERDAM EURONEXT
XLIS EURONEXT LISBOA PT PORTUGAL LISBOA EURONEXT
XMAT EURONEXT PARIS – MATIF FR FRANCE PARIS EURONEXT
XMON EURONEXT PARIS – MONEP FR FRANCE PARIS EURONEXT
XPAR EURONEXT PARIS S.A. FR FRANCE PARIS EURONEXT
XMLI EURONEXT PARIS S.A. – MARCHE LIBRE FR FRANCE PARIS EURONEXT
XLIF EURONEXT.LIFFE GB UNITED KINGDOM LONDON  
XEEE EUROPEAN ENERGY EXCHANGE AG DE GERMANY FRANKFURT AM MAIN  
EUWX EUWAX DE GERMANY STUTTGART EUWAX
XFNX FINEX (NEW YORK AND DUBLIN) IE IRELAND DUBLIN FINEX
XFOM FINNISH OPTIONS MARKET FI FINLAND HELSINKI FOM
PFTS FIRST SECURITIES TRADING SYSTEM – UKRAINIAN OTC UA UKRAINE KIEV PFTS
FRRF FONDS DES RENTES / RENTENFONDS BE BELGIUM BRUSSELS  
XFFE FUKUOKA FUTURES EXCHANGE JP JAPAN FUKUOKA  
XFKA FUKUOKA STOCK EXCHANGE JP JAPAN FUKUOKA  
XGSE GEORGIA STOCK EXCHANGE GE GEORGIA TBILISI GSE
XGHA GHANA STOCK EXCHANGE GH GHANA ACCRA  
ROCO GRETAI SECURITIES MARKET TW TAIWAN TAIPEI  
XGUA GUAYAQUIL STOCK EXCHANGE EC ECUADOR GUAYAQUIL  
GXMA GX MARKETCENTER WS VANUATU VILA  
HSTC HANOI SECURITIES TRADING CENTER VN VIET NAM HANOI HANOI STC
XHAM HANSEATISCHE WERTPAPIERBOERSE HAMBURG DE GERMANY HAMBURG  
HEGX HEDGESTREET EXCHANGE US UNITED STATES OF AMERICA SAN MATEO  
XHON HONDURIAN STOCK EXCHANGE, THE HN HONDURAS SAN PEDRO SULA BVH
XHKF HONG KONG FUTURES EXCHANGE LTD. HK HONG KONG HONG KONG HKFE
XGEM HONG KONG GROWTH ENTERPRISES MARKET HK HONG KONG HONG KONG HK GEM
BTEC ICAP-BROKERTEC US UNITED STATES OF AMERICA JERSEY CITY  
XICE ICELAND STOCK EXCHANGE IS ICELAND REYKJAVIK ICEX
XCOR ICMA GB UNITED KINGDOM LONDON  
XIOM INDEX AND OPTIONS MARKET US UNITED STATES OF AMERICA CHICAGO IOM
CHIX INSTINET CHI-X LTD. GB UNITED KINGDOM LONDON CHI-X
IEPA INTERCONTINENTAL EXCHANGE LTD. GB UNITED KINGDOM LONDON ICE
XIMA INTERNATIONAL MARTIME EXCHANGE NO NORWAY OLSO IMAREX
XIMM INTERNATIONAL MONETARY MARKET US UNITED STATES OF AMERICA CHICAGO  
XISX INTERNATIONAL SECURITIES EXCHANGE, LLC. US UNITED STATES OF AMERICA NEW YORK ISE
XDUB IRISH STOCK EXCHANGE IE IRELAND DUBLIN ISE
ISEC ISEC (ICEX SECOND MARKET) IS ICELAND REYKJAVIK ISEC
XISL ISLAMABAD STOCK EXCHANGE PK PAKISTAN ISLAMABAD ISE
XIAB ISTANBUL GOLD EXCHANGE TR TURKEY ISTAMBUL IAB
XIST ISTANBUL STOCK EXCHANGE TR TURKEY ISTAMBUL ISE
XDMI ITALIAN DERIVATIVES MARKET IT ITALY MILANO IDEM
ITGI ITG – POSIT EXCHANGE US UNITED STATES OF AMERICA NEW YORK  
XBBJ JAKARTA FUTURES EXCHANGE (BURSA BERJANGKA JAKARTA) ID INDONESIA JAKARTA  
XJNB JAKARTA NEGOTIATED BOARD ID INDONESIA JAKARTA  
XJKT JAKARTA STOCK EXCHANGE ID INDONESIA JAKARTA  
XJAM JAMAICA STOCK EXCHANGE, THE JM JAMAICA KINGSTON  
JASR JAPAN CROSS (PTS) JP JAPAN TOKYO  
XJAS JASDAQ SECURITIES EXCHANGE JP JAPAN TOKYO JASDAQ
XJSE JSE SECURITIES EXCHANGE ZA SOUTH AFRICA JOHANNESBURG JSE
XKAC KANSAI COMMODITIES EXCHANGE JP JAPAN OSAKA KANEX
XKBT KANSAS CITY BOARD OF TRADE US UNITED STATES OF AMERICA KANSAS CITY KCBT
XKAR KARACHI STOCK EXCHANGE (GUARANTEE) LIMITED, THE PK PAKISTAN KARACHI KSE
XKAZ KAZAKHSTAN STOCK EXCHANGE KZ KAZAKHSTAN ALMA-ATA KAZE
XKHR KHARKOV COMMODITY EXCHANGE UA UKRAINE KHARKOV  
XKHA KHARTOUM STOCL EXCHANGE SD SUDAN KHARTOUM KSE
XKCE KHOREZM INTERREGION COMMODITY EXCHANGE UZ UZBEKISTAN TASHKENT  
XKIS KIEV INTERNATIONAL STOCK EXCHANGE UA UKRAINE KIEV KISE
XKIE KIEV UNIVERSAL EXCHANGE UA UKRAINE KIEV  
KOCN KOREA ECN SECURITIES CO. LTD (ATS) KR KOREA, REPUBLIC OF SEOUL  
XKFE KOREA EXCHANGE (FUTURES MARKET) KR KOREA, REPUBLIC OF SEOUL KRX FM
XKOS KOREA EXCHANGE (KOSDAQ) KR KOREA, REPUBLIC OF SEOUL KOSDAQ
XKRX KOREA EXCHANGE (STOCK MARKET) KR KOREA, REPUBLIC OF SEOUL KRX SM
XKUW KUWAIT STOCK EXCHANGE KW KUWAIT KUWAIT  
XKSE KYRGYZ STOCK EXCHANGE KG KYRGYZSTAN BISHKEK KSE
XBCL LA BOLSA ELECTRONICA DE CHILE CL CHILE SANTIAGO BOLCHILE
XLFX LABUAN INTERNATIONAL FINANCIAL EXCHANGE MY MALAYSIA LABUAN LFX
XLAH LAHORE STOCK EXCHANGE PK PAKISTAN LAHORE LSE
XLAT LATIBEX ES SPAIN MADRID  
LEVL LEVEL ATS US UNITED STATES OF AMERICA BOSTON LEVEL
XLJU LJUBLJANA STOCK EXCHANGE, INC. SI SLOVENIA LJUBLJANA  
XLBM LONDON BULLION MARKET, THE GB UNITED KINGDOM LONDON  
XLME LONDON METAL EXCHANGE GB UNITED KINGDOM LONDON LME
LPPM LONDON PLATINUM AND PALLADIUM MARKET GB UNITED KINGDOM LONDON LPPM
XLON LONDON STOCK EXCHANGE, THE GB UNITED KINGDOM LONDON LSE
XLTO LONDON TRADED OPTIONS MARKET GB UNITED KINGDOM LONDON LTOM
XLUS LUSAKA STOCK EXCHANGE ZM ZAMBIA LUSAKA  
XLUX LUXEMBOURG STOCK EXCHANGE LU LUXEMBOURG LUXEMBOURG  
XMAE MACEDONIAN STOCK EXCHANGE MK MACEDONIA SKOPJE  
XMDS MADRAS STOCK EXCHANGE IN INDIA MADRAS  
XMSW MALAWI STOCK EXCHANGE MW MALAWI BLANTYRE  
XLOF MALAYSIA DERIVATIVES EXCHANGE BHD MY MALAYSIA KUALA LUMPUR MDEX
XMAL MALTA STOCK EXCHANGE MT MALTA VALLETTA  
XMAP MAPUTO STOCK EXCHANGE MZ MOZAMBIQUE MAPUTO  
XMDG MARCHE INTERBANCAIRE DES DEVISES M.I.D. MG MADAGASCAR ANTANANARIVO  
MDIP MEDIP PT PORTUGAL LISBOA MEDIP
XMEF MEFF RENTA FIJA ES SPAIN BARCELONA MEFF
XMRV MEFF RENTA VARIABLE ES SPAIN BARCELONA MEFF
XMTB MERCADO A TERMINO DE BUENOS AIRES S.A. AR ARGENTINA BUENOS AIRES MAT
XMAB MERCADO ABIERTO ELECTRONICO S.A. AR ARGENTINA BUENOS AIRES MAE
XSRM MERCADO DE FUTUROS DE ACEITE DE OLIVA, S.A. ES SPAIN JAEN MFAO
XFCM MERCADO DE FUTUROS Y OPCIONES SOBRE CITRICOS ES SPAIN VALENCIA FC AND M
XMEV MERCADO DE VALORES DE BUENOS AIRES S.A. AR ARGENTINA BUENOS AIRES MERVAL
XEMD MERCADO MEXICANO DE DERIVADOS MX MEXICO MEXICO MEXDER
XMCE MERCATO CONTINUO ESPANOL ES SPAIN BARCELONA  
XMIF MERCATO ITALIANO FUTURES EXCHANGE IT ITALY MILANO MIF
XBAV MERCHBOLSA AGENCIA DE VALORES, S.A. ES SPAIN BARCELONA  
XMAC MID AMERICA COMMODITY EXCHANGE US UNITED STATES OF AMERICA CHICAGO MIDAM
XMGE MINNEAPOLIS GRAIN EXCHANGE US UNITED STATES OF AMERICA MINNEAPOLIS MGE
XMOL MOLDOVA STOCK EXCHANGE MD MOLDOVA, REPUBLIC OF CHISINAU  
XULA MONGOLIAN STOCK EXCHANGE MN MONGOLIA ULAAN BAATAR  
XMNX MONTENEGRO STOCK EXCHANGE ME MONTENEGRO, REPUBLIC OF MONTENEGRO  
XMOD MONTREAL EXCHANGE THE / BOURSE DE MONTREAL (OTIONS AND OTHER DERIVATIVES) CA CANADA MONTREAL CDE
XMOS MOSCOW CENTRAL STOCK EXCHANGE RU RUSSIA MOSCOW MCSE
XMIC MOSCOW INTERBANK CURRENCY EXCHANGE RU RUSSIA MOSCOW MICEX
AMTS MTS AMSTERDAM N.V. NL THE NETHERLANDS AMSTERDAM  
MTSA MTS AUSTRIAN MARKET GB UNITED KINGDOM LONDON  
BMTS MTS BELGIUM BE BELGIUM BRUSSELS  
UMTS MTS CEDULAS GB UNITED KINGDOM LONDON  
MTSD MTS DENMARK BE BELGIUM BRUSSELS  
GMTS MTS DEUTSCHLAND AG DE GERMANY FRANKFURT AM MAIN  
MTSF MTS FINLAND BE BELGIUM BRUSSELS  
FMTS MTS FRANCE SAS FR FRANCE PARIS  
MTSG MTS GREEK MARKET GB UNITED KINGDOM LONDON  
IMTS MTS IRELAND GB UNITED KINGDOM LONDON  
MTSP MTS POLAND PL POLAND WARSAW  
PMTS MTS PORTUGAL SGMR, SA PT PORTUGAL LISBOA  
QMTS MTS QUASI GOVERNMENT GB UNITED KINGDOM LONDON  
MTSC MTS S.P.A. IT ITALY ROMA MTS ITALY
SMTS MTS SPAIN, S.A. ES SPAIN MADRID  
CETO MTS-CeTO S.A. PL POLAND WARSAW  
XIMC MULTI COMMODITY EXCHANGE OF INDIA LTD. IN INDIA MUMBAI MCX
XBOM MUMBAI STOCK EXCHANGE IN INDIA MUMBAI MSE
XMUS MUSCAT SECURITIES MARKET OM OMAN MUSCAT MSM
XNGO NAGOYA STOCK EXCHANGE JP JAPAN NAGOYA NSE
XNAI NAIROBI STOCK EXCHANGE KE KENYA NAIROBI  
XNAM NAMIBIAN STOCK EXCHANGE NA NAMIBIA WINDHOEK  
XNAS NASDAQ US UNITED STATES OF AMERICA NEW YORK NASDAQ
XNGS NASDAQ/NGS (GLOBAL SELECT MARKET) US UNITED STATES OF AMERICA NEW YORK NGS
XNMS NASDAQ/NMS (GLOBAL MARKET) US UNITED STATES OF AMERICA NEW YORK  
XNCD NATIONAL COMMODITY AND DERIVATIVES EXCHANGE LTD. IN INDIA MUMBAI NCDEX
XCIS NATIONAL STOCK EXCHANGE US UNITED STATES OF AMERICA CHICAGO  
XNSE NATIONAL STOCK EXCHANGE OF INDIA IN INDIA MUMBAI NSE
XLIT NATIONAL STOCK EXCHANGE OF LITHUANIA LT LITHUANIA VILNIUS  
XNEP NEPAL STOCK EXCHANGE NP NEPAL KATHMANDU  
NMTS NEW EUROMTS GB UNITED KINGDOM LONDON  
XNYF NEW YORK BOARD OF TRADE US UNITED STATES OF AMERICA NEW YORK NYBOT
XNYM NEW YORK MERCANTILE EXCHANGE US UNITED STATES OF AMERICA NEW YORK NYMEX
XNYS NEW YORK STOCK EXCHANGE, INC. US UNITED STATES OF AMERICA NEW YORK NYSE
XNEE NEW ZEALAND FUTURES AND OPTIONS EXCHANGE NZ NEW ZEALAND AUCKLAND NZFOE
XNZE NEW ZEALAND STOCK EXCHANGE NZ NEW ZEALAND WELLINGTON NZSE
XNEW NEWEX DE GERMANY FRANKFURT AM MAIN NEWEX
XHAN NIEDERSAECHSISCHE BOERSE ZU HANNOVER DE GERMANY HANNOVER  
XNSA NIGERIAN STOCK EXCHANGE,THE NG NIGERIA LAGOS  
XHER NIPPON NEW MARKET – HERCULES JP JAPAN OSAKA HERCULES
NNCS NIZHNY NOVGOROD CURRENCY AND STOCKEXCHANGE CLOSE JOINT STOCK COMPANY RU RUSSIA NIZHNIY NOVGOROD NCSE
XXXX NO MARKET (EG, UNLISTED)        
NORX NORD POOL NO NORWAY OLSO  
XNGM NORDIC GROWTH MARKET SE SWEDEN STOCKHOLM NGM
XNQL NQLX US UNITED STATES OF AMERICA NEW YORK NQLX
NYMX NYMEX EUROPE LTD. GB UNITED KINGDOM LONDON  
ARCX NYSE ARCA US UNITED STATES OF AMERICA NEW YORK  
XODE ODESSA COMMODITY EXCHANGE UA UKRAINE ODESSA  
XOTB OESTERREICHISCHE TERMIN- UND OPTIONENBOERSE, CLEARING BANK AG AT AUSTRIA VIENNA OTOB
XOMF OM FIXED INTEREST EXCHANGE SE SWEDEN STOCKHOLM OM
XOME OM STOCKHOLM EXCHANGE SE SWEDEN STOCKHOLM OM
XOCH ONECHICAGO, LLC. US UNITED STATES OF AMERICA CHICAGO  
XOSM OSAKA MERCANTILE EXCHANGE JP JAPAN OSAKA OME
XOSE OSAKA SECURITIES EXCHANGE JP JAPAN OSAKA OSE
XOSJ OSAKA SECURITIES EXCHANGE J-NET JP JAPAN OSAKA J-NET
XOAS OSLO AXESS NO NORWAY OLSO  
XOSL OSLO BORS NO NORWAY OLSO  
XOTC OTC BULLETIN BOARD US UNITED STATES OF AMERICA WASHINGTON OTCBB
OTCX OTC EXCHANGE OF INDIA IN INDIA MUMBAI OTCEI
XPAE PALESTINE SECURITIES EXCHANGE PS PALESTINIAN TERRITORY, OCCUPIED NABLUS PSE
OPEX PEX-PRIVATE EXCHANGE PT PORTUGAL LISBOA OPEX
XPBT PHILADELPHIA BOARD OF TRADE US UNITED STATES OF AMERICA PHILADELPHIA PBOT
XPHO PHILADELPHIA OPTIONS EXCHANGE US UNITED STATES OF AMERICA PHILADELPHIA  
XPHL PHILADELPHIA STOCK EXCHANGE US UNITED STATES OF AMERICA PHILADELPHIA PHLX
XPHS PHILIPPINE STOCK EXCHANGE, INC. PH PHILIPPINE PASIG-CITY PSE
PINX PINK SHEETS LLC (NQB) US UNITED STATES OF AMERICA NEW YORK  
PIPE PIPELINE US UNITED STATES OF AMERICA NEW YORK  
XPLU PLUS MARKETS GROUP GB UNITED KINGDOM LONDON PLUS-TRADING
XPOM PORT MORESBY STOCK EXCHANGE PG PAPUA NEW GUINEA PORT MORESBY  
XPOR PORTAL US UNITED STATES OF AMERICA WASHINGTON  
XPOW POWERNEXT FR FRANCE PARIS  
XPRI PRIDNEPROVSK COMMODITY EXCHANGE UA UKRAINE PRIDNEPROVSK  
PURE PURE TRADING CA CANADA TORONTO  
XQUI QUITO STOCK EXCHANGE EC ECUADOR QUITO  
XRAS RASDAQ RO ROMANIA BUCHAREST RASDAQ
XDUS RHEINISCHE-WESTFALISCHE BOERSE ZU DÜSSELDORF DE GERMANY DUESSELDORF  
XRIS RIGA STOCK EXCHANGE,THE LV LATVIA RIGA  
XRBM RINGGIT BOND MARKET MY MALAYSIA KUALA LUMPUR RBM
XRMZ RM-SYSTEM A.S. CZ CZECH REPUBLIC PRAGUE RMS CZ
XBRM ROMANIAN COMMODITIES EXCHANGE RO ROMANIA BUCHAREST BRM
XROV ROSTOV CURRENCY AND STOCK EXCHANGE RU RUSSIA ROSTOV RCSEX
XRTR RTR (REUTERS-REALTIME-DATEN) DE GERMANY FRANKFURT AM MAIN RTR
RTSX RTS STOCK EXCHANGE RU RUSSIA MOSCOW RTS
XRUS RUSSIAN EXCHANGE, THE RU RUSSIA MOSCOW NDX
XPIC SAINT PETERSBURG CURRENCY EXCHANGE RU RUSSIA SAINT-PETERSBURG SPSEX
XSAM SAMARA CURRENCY INTERBANK EXCHANGE RU RUSSIA SAMARA SCIEX
XSGO SANTIAGO STOCK EXCHANGE CL CHILE SANTIAGO  
XSAP SAPPORO SECURITIES EXCHANGE JP JAPAN SAPPORO  
XSAU SAUDI ARABIA STOCK EXCHANGE SA SAUDI ARABIA RIJAD  
BMFM SC BURSA MONETAR-FINANCIERA SI DE MARFURI SIBIU RO ROMANIA SIBIU BMFMS
XSGE SHANGHAI FUTURES EXCHANGE CN CHINA SHANGHAI SHFE
SGEX SHANGHAI GOLD EXCHANGE CN CHINA SHANGHAI SGE
XSHG SHANGHAI STOCK EXCHANGE CN CHINA SHANGHAI  
XSME SHENZHEN MERCANTILE EXCHANGE CN CHINA SHENZHEN  
XSHE SHENZHEN STOCK EXCHANGE CN CHINA SHENZHEN  
XSIC SIBERIAN INTERBANK CURRENCY EXCHANGE RU RUSSIA NOVOSIBIRSK SICEX
XSIB SIBERIAN STOCK EXCHANGE RU RUSSIA NOVOSIBIRSK SIMEX
XSCE SINGAPORE COMMODITY EXCHANGE SG SINGAPORE SINGAPORE SICOM
XSES SINGAPORE EXCHANGE SG SINGAPORE SINGAPORE SGX
XSIM SINGAPORE EXCHANGE DERIVATIVES CLEARING LIMITED SG SINGAPORE SINGAPORE SGX-DT
XRMS SK RM-S (SLOVAK STOCK EXCHANGE) SK SLOVAKIA BRATISLAVA SK RM-S
XSOM SOCIEDADE OPERADORA DO MERCADO DE ATIVOS S.A. BR BRAZIL RIO DE JANEIRO SOMA
XFMN SOCIETE DU NOUVEAU MARCHE FR FRANCE PARIS  
XSAF SOUTH AFRICAN FUTURES EXCHANGE ZA SOUTH AFRICA JOHANNESBURG SAFEX
XSFA SOUTH AFRICAN FUTURES EXCHANGE – AGRICULTURAL MARKET DIVISION ZA SOUTH AFRICA JOHANNESBURG  
XSPS SOUTH PACIFIC STOCK EXCHANGE FJ FIJI SUVA SPSE
XPET ST PETERSBURG STOCK EXCHANGE RU RUSSIA SAINT-PETERSBURG SPBEX
XHKG STOCK EXCHANGE OF HONG KONG LTD, THE HK HONG KONG HONG KONG SEHK
XMAU STOCK EXCHANGE OF MAURITIUS LTD, THE MU MAURITIUS PORT LOUIS  
XNEC STOCK EXCHANGE OF NEWCASTLE LTD AU AUSTRALIA NEWCASTLE NSX
XBKK STOCK EXCHANGE OF THAILAND TH THAILAND BANGKOK SET
XBKF STOCK EXCHANGE OF THAILAND – FOREIGN BOARD TH THAILAND BANGKOK SET
XPRA STOCK EXCHANGE PRAGUE CO. LTD, THE CZ CZECH REPUBLIC PRAGUE PSE
XSUR SURABAYA STOCK EXCHANGE ID INDONESIA SURABAYA  
XSWA SWAZILAND STOCK EXCHANGE SZ SWAZILAND MBABANE SSX
XSWX SWISS EXCHANGE CH SWITZERLAND ZURICH SWX
XQMH SWX QUOTEMATCH AG CH SWITZERLAND ZURICH  
XSFE SYDNEY FUTURES EXCHANGE LIMITED AU AUSTRALIA SYDNEY SFE
XTAF TAIWAN FUTURES EXCHANGE TW TAIWAN TAIPEI TAIFEX
XIME TAIWAN INTERNATIONAL MERCANTILE EXCHANGE TW TAIWAN TAIPEI TAIMEX
XTAI TAIWAN STOCK EXCHANGE TW TAIWAN TAIPEI TSEC
XTAL TALLINN STOCK EXCHANGE EE ESTONIA TALLINN  
XTEH TEHERAN STOCK EXCHANGE IR IRAN TEHERAN  
XTAE TEL AVIV STOCK EXCHANGE IL ISRAEL TEL AVIV TASE
TFEX THAILAND FUTURES EXCHANGE TH THAILAND BANGKOK TFEX
XBRT THE BRUT ECN US UNITED STATES OF AMERICA NEW YORK BRUT
XCIE THE CHANNEL ISLANDS STOCK EXCHANGE GG GUERNSEY, C.I. ST. PETER PORT CISX
XCGS THE CHINESE GOLD AND SILVER EXCHANGE SOCIETY HK HONG KONG HONG KONG  
XHEL THE HELSINKI STOCK EXCHANGE FI FINLAND HELSINKI  
XIQS THE IRAK STOCK EXCHANGE IQ IRAQ BAGHDAD ISX
ICEL THE ISLAND ECN LTD. US UNITED STATES OF AMERICA NEW YORK  
XLCE THE LONDON COMMODITY EXCHANGE GB UNITED KINGDOM LONDON LCE
NOTC THE NORWEGIAN OVER THE COUNTER MARKET NO NORWAY OLSO NOTC
THRD THE THIRD MARKET CORPORATION US UNITED STATES OF AMERICA CHICAGO ETHRD
XCUE THE UZBEKISTAN REPUBLICAN CURRENCY EXCHANGE UZ UZBEKISTAN TASHKENT  
XTRZ THE ZAGREB MONEY AND SHORT TERM SECURITIES MARKET INC. HR CROATIA ZAGREB  
XTIR TIRANA STOCK EXCHANGE AL ALBANIA TIRANA  
XTFF TOKYO INTERNATIONAL FINANCIAL FUTURES EXCHANGE, THE JP JAPAN TOKYO TIFFE
XTKT TOKYO KOGYOIN TORIHIKIJO (COMMODITY EXCHANGE) JP JAPAN TOKYO TOCOM
XTKO TOKYO KOKUMOTSU SHOHIN TORIHIKIJO (GRAIN EXCHANGE) JP JAPAN TOKYO TGE
XTKS TOKYO STOCK EXCHANGE JP JAPAN TOKYO TSE
XTK1 TOKYO STOCK EXCHANGE – TOSTNET-1 JP JAPAN TOKYO  
XTK2 TOKYO STOCK EXCHANGE – TOSTNET-2 JP JAPAN TOKYO  
XTSE TORONTO STOCK EXCHANGE CA CANADA TORONTO TSE
XGAT TRADEGATE AG DE GERMANY BERLIN  
TREU TRADEWEB EUROPE LIMITED GB UNITED KINGDOM LONDON  
TRWB TRADEWEB LLC US UNITED STATES OF AMERICA JERSEY CITY  
TLAB TRADINGLAB TLX IT ITALY MILANO TLX
XTRN TRINIDAD AND TOBAGO STOCK EXCHANGE TT TRINIDAD AND TOBAGO PORT OF SPAIN TTSE
XTSX TSX VENTURE EXCHANGE CA CANADA TORONTO TSX
XTNX TSX VENTURE EXCHANGE – NEX CA CANADA VANCOUVER NEX
XTUR TURKISH DERIVATIVES EXCHANGE TR TURKEY IZMIR TURKDEX
XUGA UGANDA SECURITIES EXCHANGE UG UGANDA KAMPALA USE
XUAX UKRAINIAN STOCK EXCHANGE UA UKRAINE KIEV UKRSE
XUKR UKRAINIAN UNIVERSAL COMMODITY EXCHANGE UA UKRAINE KIEV  
URCE URALS REGIONAL CURRENCY EXCHANGE RU RUSSIA EKATERINBURG URCEX
XEUS US FUTURES EXCHANGE US UNITED STATES OF AMERICA CHICAGO  
XSTE UZBEKISTAN STOCK EXCHANGE UZ UZBEKISTAN TASHKENT UZSE
XVAR VARAZDIN STOCK EXCHANGE, THE HR CROATIA VARAZDIN VSE
XVES VESTIMA+ LU LUXEMBOURG LUXEMBOURG  
XSTC VIETNAM STOCK EXCHANGE VN VIET NAM HO CHI MINH CITY  
XVTX VIRT-X GB UNITED KINGDOM LONDON VIRT-X
XVLA VLADIVOSTOK (RUSSIA) STOCK EXCHANGE RU RUSSIA VLADIVOSTOK VSX
XHCE WARENTERMINBOERSE HANNOVER DE GERMANY HANNOVER  
XWAR WARSAW STOCK EXCHANGE PL POLAND WARSAW WSE
XWBO WIENER BOERSE AG AT AUSTRIA VIENNA WBAG
XWCE WINNIPEG COMMODITY EXCHANGE, THE CA CANADA WINNIPEG WCE
XTRA XTRAMARKED DK DENMARK COPENHAGEN  
YLDX YIELD-X ZA SOUTH AFRICA JOHANNESBURG  
XYIE YIELDBROKER PTY LTD AU AUSTRALIA SYDNEY  
XZAG ZAGREB STOCK EXCHANGE, THE HR CROATIA ZAGREB  
XZCE ZHENGZHOU COMMODITY EXCHANGE CN CHINA ZHENGZHOU ZCE
XZIM ZIMBABWE STOCK EXCHANGE ZW ZIMBABWE HARARE  
ZOBX ZOBEX DE GERMANY BERLIN ZOBEX