Hey guys I was just curious to learn what payment system are popular among seasoned sports bettors. So feel free to contribute and view the results…

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It seems like just yesterday the swoobug was just a start up and today according to it’s owners seems to be making quick progress in it’s traffic flow.  Swoopbug.com has scooped the rest of the industry at large. maybe it’s the combination of options “penny auctions,Traditional Auctions and free classifieds ) that has given rise to it’s instant popularity. maybe is just the prices for the name brand merchandise being offered at a stunning  24%  lower rate than most other Auctions. What ever the reason for it’s sudden popularity this is an auction site to keep your eyes on. To date no one has been so brazen as to try to capture all three markets at one time.

And there are poeple out there who have nothing better to do than try to convince the public that there is something wrong with our way of doing business. well try us for yourself. it’s fun,it’s addicting and it’s entertaining.

ShwoBidz.com formaly known as (Profitsharingauction.com) & Swoopbug.com

Join together under the new name

Showbidz.com

to provide a new and innovative Mega-Auction site.

Showbidz.com

is a provider of the traditional style auctions, with bidding starting at $1.00 and running till the auction ends with a winner. In addition Showbidz provides the member with the buy it now option.

SwoopBug.com

is a provider of the penny style auction ( or swoopo ) as it has been called most recently as it has gained enormous popularity. Bidding begins at $.01 and the member has a chance to win an item for $1.00 ( the cost of each bid). Why has it become the new eBay,simply because for the $1.00 bid a person can actually win a $2,000.00 Plasma TV or Home Entertainment center or what ever is up for Auction.

Unlike the traditional auctions where you bid and pay the amount you have bid, you can actually win high value items for a $1.00 investment.

If that was not enough to put them in a market of their own they added a Craig’s list style classified section to the site. Giving each visitor a wide variety of options all in one site.

listing fees are free at the traditional style auctions as are the classified listings. Final value fees are less the 2% Credits for the swoopbug auctions are purchased in bundles of 10-25-50-100 credits. each credit representing a 1 cent bid. So you caactuallyly purchase or win an item for a $1.00 bid.

Buy incorporating all three popular entities into one mega auction site their popularity is sure to grow very fast.

Profitsharingauction.com

I have recently become aware of this new ( yet age old ) Auction site called swoopbug.com. I came across it while researching new scripts and add ons for our Auction sites, www.profitsharingauction.com and www.showbidz.com.

I must say it is a bit confuseing at first but i gather it is just like a raffle.you purchase a certain amount of credits( bid packs ) and bid on the item. the lower the bid thebetter chance you have to win. items that sell for $500.00 in the stores go for about 50 bucks at theses penny auction sites . Biggest drawback is that when you place your bid your spending real money and if you don’t win you lose the bucks you bid with ( you purchased the credits in advance )

I think I will stick with the old-fashioned auctions where you get what you bid for and if you don’t win it doesn’t cost you a dime. now profitsharing.com and showbidz.com are emerging as winners as they climb the popularity scale

It is totally free to list items on www.ebsai.com like ebay online auction,Auctions is an eBay Alternative Auction Site www ebsai com,It was designed with you in mind and as an alternative to Ebay! As an Ex Power seller on Ebay, ebsai was fed up with their excessive fees and lack of customer service. Better yet, ebay started a random rampage of account suspensions on small businesses and consumers.The site will allow you to list your items as Want Ad or Auction style, the best part is it is FREE and we want you to be part of this phenomenon. This is a private invite to test drive our site and see what we have to offer:
User friendly site.Free Auctions ListingFree ClassifiedsFree StoreFree SupportZero AdsSpam free

It is totally free to list items on www.ebsai.com like ebay online auction,Auctions is an eBay Alternative Auction Site www ebsai com,It was designed with you in mind and as an alternative to Ebay! As an Ex Power seller on Ebay, ebsai was fed up with their excessive fees and lack of customer service. Better yet, ebay started a random rampage of account suspensions on small businesses and consumers.The site will allow you to list your items as Want Ad or Auction style, the best part is it is FREE and we want you to be part of this phenomenon. This is a private invite to test drive our site and see what we have to offer:
User friendly site.Free Auctions ListingFree ClassifiedsFree StoreFree SupportZero AdsSpam free

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It is totally free to list items on www.ebsai.com like ebay online auction,Auctions is an eBay Alternative Auction Site www ebsai com,It was designed with you in mind and as an alternative to Ebay! As an Ex Power seller on Ebay, ebsai was fed up with their excessive fees and lack of customer service. Better yet, ebay started a random rampage of account suspensions on small businesses and consumers.The site will allow you to list your items as Want Ad or Auction style, the best part is it is FREE and we want you to be part of this phenomenon. This is a private invite to test drive our site and see what we have to offer:
User friendly site.Free Auctions ListingFree ClassifiedsFree StoreFree SupportZero AdsSpam free

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It is totally free to list items on www.ebsai.com like ebay online auction,Auctions is an eBay Alternative Auction Site www ebsai com,It was designed with you in mind and as an alternative to Ebay! As an Ex Power seller on Ebay, ebsai was fed up with their excessive fees and lack of customer service. Better yet, ebay started a random rampage of account suspensions on small businesses and consumers.The site will allow you to list your items as Want Ad or Auction style, the best part is it is FREE and we want you to be part of this phenomenon. This is a private invite to test drive our site and see what we have to offer:
User friendly site.Free Auctions ListingFree ClassifiedsFree StoreFree SupportZero AdsSpam free

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China’s Alibaba Group operates the world’s largest B2B business site, enabling millions of suppliers to display their wares to buyers worldwide. They also operate Taobao.com, one of Asia’s largest shopping sites, as well as Alipay, their version of PayPal. So when Alibaba says it plans to launch an e-commerce platform in the U.S. by the end of this year, this should result in a heads-up response worthly of whiplash from eBay, Amazon, and Walmart.

Analysis

Alibaba.com and its parent company, The Alibaba Group, is Asia’s greatest Internet success story and the story is still being written. Its Alibaba.com marketplace connects millions of suppliers and buyers worldwide, and if you don’t know all about it now, you soon will. The company is in the middle of a huge $30 million marketing push that includes a website redesign, new training initiatives, a doubling of its Silicon Valley staff, TV commercials on shows such as Shark Tank, an upcoming book by prominent publisher John Wiley, a Neupreneur of the Year contest, and more.

So far, so good for eBay and Amazon. If anything, Alibaba.com could be seen as an excellent partner, as its marketplace provides a great sourcing solution for third-party sellers on Amazon, and also for eBay PowerSellers. But the dance is about to take a turn in a new direction, with Alibaba’s announcement of a B2B e-commerce platform. This will compete not only with Amazon, of course, but also with eBay which has been strengthening its own wholesale platform, and building the closeouts and “out of season” parts of its site.
 In the mean time

Last week eBay sold a 65 per cent stake in Skype to a group of private investors for $2 billion (£1.2 billion), bringing an end to plans for an initial public offering of the internet calling service and the curtain down on a strategic mistake that has overshadowed eBay for years. Judging from the subsequent commentary, you would have thought the move had miraculously cured the e-commerce company. But it hasn’t. EBay still has a number of big problems, not least eBay itself.

Have you tried using the auction site recently? I moved house the other month and, having realised that I (a) own no furniture and (b) am skint, returned to eBay for the first time in years. I have been stunned at what a mess it is, not least technologically. The eBay and PayPal websites are semi-autonomous, making selling and receiving payment, or buying and sending payment, a process so convoluted that you worry for your sanity. Posting an advert entails navigating more options than those on a Starbucks menu, and it also requires inputting text in HTML code, which is about as intuitive as rubbing your head and your tummy at the same time.

And then, if you make too many errors, or trigger some mysterious logarithm inside the website, you could suddenly find your account frozen, which in turn might require you to verify your identity by spending an evening answering questions via an instant message system about purchases you made in the dim and distant past.

Additional traderickswholesale and profitsharing.com seem to be picking away at their fare share of the market. little by little they are gaining both trust and popularity in the industry.

These articles sponsored by Traderickswholesale.com

After years of running our lives according to PayPal directives and policy, they table have turned a bit. I’m not pleasant to watch a giant like PayPal squirm however how many lives have been ruined by the arbitrary decisions made by PaPal  flunkys  If you Google PayPal complaints your gonna get an ear full and much to your surprise your gonna hear some horrible storeys about how PayPal ripped people off and kept their hard earned money. Some lost their business,and their livelihood.

 There’s a serious hole blown in PayPal’s security, and there’s very little that PayPal themselves can do to protect users against the exploit.

Internet Explorer, Google Chrome or Apple Safari browsers running on Windows are all affected and the only safe browser is the latest versions of Firefox (version 3.5 or later).

Basically there is a flaw in Microsoft’s CryptoAPI used by many Internet browsers which allows a hacker to display authentic looking pages with https:// URLs. Normally https:// web addresses are secured by SSL certificates, but the flaw allows use of SSL certificates from other sources to be used to replace the PayPal certificate and it’s impossible for the user to spot the difference.

The security flaw was first published in July and Microsoft are yet to release a fix. Until then best practice has to be to use the Firefox browser to access PayPal.

An alarming number of customers have fallen foul of fraud when using the online payment service.

“Safer. Simpler. Smarter.” That is the slogan of PayPal, the payment service used by 20 million people when buying and selling items online.

But customers who have fallen victim to fraud when using the service say that “dangerous, expensive and complicated” is a more appropriate description.

Times Money has received scores of letters from angry PayPal customers who have lost hundreds of pounds after selling items on eBay. Websites such as paypalsucks.com and paypalwarning.com detail similar “horror stories” from disgruntled customers.

Jack Gardner, 19, recently sold his Apple computer on eBay to raise £995 to pay for his university tuition fees. Mr Gardner received the money and posted the computer to the buyer. It was only then that he was told that the buyer had paid for it by hacking into someone else’s PayPal account.

Lend your support to www.profitsharingauction.com the newest and most inovative Auction site out today. They lend a fresh new approach to the Auction market.

Why have we let Ebay get away with their consistent reign of terror and coercion? Are we so full of greed that we will alow Ebay to continue to stick it to us? is there anything we can do to teach them a lesson ?

In answer to these questions the answer is no! We can take their poerw away from them and let them know that their time has come.

Another up and coming prospect is profitsharingauction.com They seem to have come up with a unique approach to the Auction business. In answer to all the disgruntled Ebay merchants and unhappy buyers cries for alternatives the market has been flooded with the start up auction sites, all offering free or discounted listing fees.profitsharingauction.com had done all that but in addition to the free listings and free stores when your first join they offer you a way to share in the revenue generated by sales. when you become a PSA member you are given the opportunity to make a series of referrals to friends ,relatives ect.( not through them on your own.) when any referral joins and makes a sale you get a % of that sale, plus any referrals they make also give you revenue.( almost like a pyramid but it’s not) theres no investment ) you have to admit it’s a new and unique approach, no one has tried or offered this kind of service.

In addition to the Auction listings, there is also classifieds, and forums to keep you busy and informed So people let’s lend some support. if we want to make Ebay go away we need to get behind one or some of these other companies. try listing some stuff for free and see what happens.

We cannot in all good conscience keep belly aching about eBay and their reign of terror and coercion over the net, without doing something constructive about it. If we don’t get behind some of these start up companies ( which is what eBay counts on) eBay is safe and secure.At one time Ebay was a start up and as time passed they became it. Now they depend on the greed of the people,the expect people will go where the business is, where the traffic goes. So far they are right, we will not get behind any one of these companies and give them the traffic they need to compete. That’s all it’s about the traffic flow, if people visit,people will list,people will buy,business will flow.

I guess what I am trying to say is if we are really as unhappy with Ebay as we all claim, then lets put some of these other companies into play and give Ebay a run for their money, lets take some of their power away from them and send them a clear message,  ” you can’t get away with this forever,we can and will take your power away” it’s up to us. the real power lays with the consumer.”

According to the site Power Sellers Unite, Bonanzle is a little over 100,000 listings away from becoming the top alternative to eBay. Right now, it is only behind eBid, and of course eBay itself. eBay appears to even be recognizing Bonanzle as legitimate competition. A new survey from the company asked participants which other websites they use to sell items, and it listed Amazon Marketplace, Overstock, Craigslist, personal website/online store, and Bonanzle.

Bonanzle is currently developing an API that will allow third party developers to develop tools to enhance users’ Bonanzle experience. This is expected to launch by the end of September. Bonanzle also recently launched an affiliate program called the “Syndicated Seller” program.Bonanzle previously told WebProNews that it doesn’t really focus on competing with eBay. They said this competition was something that was probably paid more attention to by users than themselves.

Another up and coming prospect is profitsharingauction.com They seem to have come up with a unique approach to the Auction business. In answer to all the disgruntled Ebay merchants and unhappy buyers cries for alternatives the market has been flooded with the start up auction sites, all offering free or discounted listing fees.profitsharingauction.com had done all that but in addition to the free listings and free stores when your first join they offer you a way to share in the revenue generated by sales. when you become a PSA member you are given the opportunity to make a series of referrals to friends ,relatives ect.( not through them on your own.) when any referral joins and makes a sale you get a % of that sale, plus any referrals they make also give you revenue.( almost like a pyramid but it’s not) theres no investment ) you have to admit it’s a new and unique approach, no one has tried or offered this kind of service.

In addition to the Auction listings, there is also classifieds, and forums to keep you busy and informed So people let’s lend some support. if we want to make Ebay go away we need to get behind one or some of these other companies. try listing some stuff for free and see what happens.

We cannot in all good conscience keep belly aching about eBay and their reign of terror and coercion over the net, without doing something constructive about it. If we don’t get behind some of these start up companies ( which is what eBay counts on) eBay is safe and secure.At one time Ebay was a start up and as time passed they became it. Now they depend on the greed of the people,the expect people will go where the business is, where the traffic goes. So far they are right, we will not get behind any one of these companies and give them the traffic they need to compete. That’s all it’s about the traffic flow, if people visit,people will list,people will buy,business will flow.

I guess what I am trying to say is if we are really as unhappy with Ebay as we all claim, then lets put some of these other companies into play and give Ebay a run for their money, lets take some of their power away from them and send them a clear message,  ” you can’t get away with this forever,we can and will take your power away” it’s up to us. the real power lays with the consumer.”

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.

Nach ca. 2  Wochen scheint mein Konto wieder aktiv zu sein, was allerding nicht wirklich weiterhilft, da das Empfängerkonto weiterhin für Auszahlungen und Geldversand gesperrt ist, trotz einer gegenteiligen Mitteilung vom Moneybookers-Support. Diesmal kann der Empfänger tatsächlich versuchen, das Geld abzuheben (das war zuvor sofort geblockt), aber beim Versuch den Vorgang freizugeben, beginnt das Spiel wieder von Vorne: Das Bankkonto muß verifiziert werden – Bitte führen Sie eine Testüberweisung durch…. So oder so ähnlich lautete die Meldung.  Zum einen kostet jede Abbuchung den Empfänger 1,80 Euro, zum Anderen hatte  dieser Vorgang vor ca. 2 Wochen die ganzen Probleme eingeleitet.  Nach Durchführung dieses Testabbuchung wurde das Konto aus Sicherheitsgründen gesperrt. Aus diesem Grund wurde der Vorgang hier zunächst abgebrochen und wieder der Support verständigt. Bin bereits auf die Begründung gespannt.

Für mich hat das etwas von Hinhaltetaktik. Es wird versucht bei jedem Vorgang Gründe zu finden, das Konto zu sperren und auch tatsächlich sofort gesperrt. Bis zur Entsperrung dauert es dann wieder 2 Wochen und man kann auch dann nichts mit diesem Konto anfangen. Wenn es “nur” um Hinhalten geht und Moneybookers von den Zinsen leben sollte (eine normale Überweisung dauert annähernd 1 Monat,  so scheint es mir) ist das schon Schlimm. Aber ich glaube nach diesem Alptraum werden sowohl der Empfänger als auch ich froh sein, wenn wir das Geld irgendwann auf einem Konto zur Verfügung haben werden.  Der Verdacht, dass hier betrügerisches Verhalten vorliegt oder dass das Geld tatsächlich verloren gehen kann, möchte ich zum jetzigen Zeitpunkt nicht ausschließen.

Fotobanka Pixmac.cz dosáhla 7 milionů fotografií za 1 rok svého působení!

Pouze pár konkurentů se může pochlubit stejnými výsledky. Kolekce fotografií se skládá ze 3 zdrojů – dva zdroje kreativních fotografií a jeden editorial tzv. “Celebrity”.

Pixmac Vám nabízí nejrychlejší způsob stažení fotografií pro jejich legální použití a to za ceny, kterým se dá jen těžko věřit!

Když v září 2008 vkročila tato růžová společnost na trh, zdála se být další mikrofotobankou, která to chce “jen zkusit”. Ale po roce? Pixmac má partnery v 9 zemích po celém světě a jeho prodeje rostou rychleji, než se očekávalo.

Společnost roste rychleji, než její konkurenti z trhu mikrofotobank, jak dokazují údaje ze serveru Alexa.com. Tento růst odpovídá růstu počtu nabízených fotografií.

Pixmac přišel s myšlenkou jednorázového nákupu bez nutnosti registrace, která je naprosto převratná na trhu mikrofotobank! Lee Torrens, dobře známý microstock blogger, ocenil tuto změnu: “I LOVE your one-stop-shopping idea! It has always been a missing element of microstock agencies…” (“Miluji myšlenku jednorázového nákupu! Tato možnost mikrofotobankám vždy chyběla…”). Ano, Pixmac je zaměřen na rychlost a jednoduché používání.

I po roce má Pixmac stále co nového nabídnout. V současné době spolupracuje s
Masarykovo univerzitou v Brně na projektu, který zásadně změní způsob vyhledávání fotografií. Chystá také rozšíření databáze o pár milionů fotografií a nějaké další
zajímavé funkce, které vám jistě usnadní vyhledávání!

Tento týden spustí další update webových stránek.
Rozšíření se týká nové platební metody Moneybookers, nebo často požadované funkce seřazení výsledků vyhledávání podle počtu stažení, nebo podle data nahrání fotografie.

Vítězslav Válka (CEO) říká: “Jsem nadšený, když vidím naše zákazníky spokojené s uživatelským rozhraním. Všichni si zaslouží jednoduchý systém, který funguje. Sleduji vše, co se děje v naší společnosti a věřte mi, jsme výkonnější než Red Bull a Duracell dohromady!”

Leider gibt es immer noch nichts Neues von Moneybookers zu berichten. Telefonate und Emails werden nicht beantwortet. Unter fadenscheinigen Behauptungen, die Unterlagen liegen zur Prüfung bei der Sicherheitsabteilung (warum überhaupt und warum erst jetzt und nicht bei der Kontoeröffnung?), kann niemand Auskunft geben.

Meiner Meinung nach dient das Ganze entweder nur zum Adressenhandel oder noch schlimmer zur mißbräuchlichen Verwendung der eingesandten Dokumente (Führerschein, Personalausweis, Pass, Rechnungen etc.). Ganz zu schweigen von der Sperrung des Kontos und der damit verbundenen mißbräuchlichen Verwendung des eingezahlten Gelds, auf das man keinen Zugriff mehr hat, weder der Versender noch der Empfänger des Geldes – beide Konten bleiben gesperrt.

Ein klarer Fall für den Verbraucherschutz! Besser noch ein Fall für die Presse! Für meinen Geschmack ist das Ganze sehr suspekt und am Rande der Legalität.  Wenn auchnicht anfechtbar, so doch alles andere als benutzerfreundlich.

The following steps are written to help Freelancers, Outsourcing agencies who are willing to accept money using Moneybookers. These steps were written keeping Pakistani freelancers in mind but they can be followed to add any Bank account in any country. Before getting a new bank account make sure the Branch that is near to you has its own BIC code. Follow the steps below.
1. Check your BIC code from http://www.swift.com/bsl/search.do
a. Enter “BANK NAME” in Institution keyword field.
b. Enter “Karachi” or your city in City field.
c. Select “Pakistan” from drop down menu.

2. Note the BIC code of your branch and keep it safe.

Confirm if the BIC code of your Bank’s Branch is listed. If it has the BIC Code then you can open an account in that particular branch or else try with a different bank or branch. After you get the account follow the steps below to add your bank account to Moneybookers. You will require the BIC Code from the previous steps and your account number.

1. Goto Moneybookers Add Bank page and enter all the information, Moneybookers will show you the branch location and your account title, if the account title does not match do not check your account number and enter it again.

2. After you bank account has been added you have to verify it, to verify your bank account withdraw 20Euro from your Moneybookers account to your Bank.
3. Goto your bank after 4 days and confirm from them if money has arrived, sometimes it takes 8-10 days depending on the holidays and other things.
4. Upon confirmation request a bank statement. Your bank statement will have a secret keyword from Moneybookers.
5. Enter the keyword into the verify bank account page.

Moneybookers charges

Money bookers charges 1.80Euro for all withdraws to your Primary bank account. Withdrawls of more then 350Euro to your non Primary Bank accounts are charged 3.50Euro. There is no other cost for withdrawing your money to your bank account.

If you have have Bank account in PKR currency the money will automatically be converted to PKR using the Statebank’s $ rate.

- 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

YELLOW ROSES AND CANDLES

© Photographer: Morgancapasso | Agency: Dreamstime.com

Bunch of yellow roses and three candles.
Photo taken on: September 19th, 2009