EEM BusinessModelsExamples

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1.1                Business Model Details

The aim of this document is to present possible Payment systems used in different Business Models. The list of the Business models is given in P4A-D101.2. The focus of my task is to explore the payment systems in these business models and to highlight their main features.  The following information is required for Payment Systems of each Business Model.

1.1          Business Model Details

The aim of this document is to present possible Payment systems used in different Business Models. The list of the Business models is given in P4A-D101.2. The focus of my task is to explore the payment systems in these business models and to highlight their main features.  The following information is required for Payment Systems of each Business Model.

1.1.1      Brokerage

1.1.1.1   Flattr (flattr.com)

1.            Description         TAKE FROM DOCUMENT

2.            Parties (who can use?)  Writer,Musician,Podcaster,Photographer,Filmmaker,Developer

3.            Major players (individuals, organizations, institutions, governments, etc.)            Individuals: For example, Writer, Musician, Podcaster, Photographer, Filmmaker, Developer

 

4.            Controlling Organization/Institution/Regulator(s)             •             Controlling body is based on regulators consisting of  six team members.

5.            Formality/Restrictions  

6.            Standards            •             It provides “Term of use” agreement for Signing up.

•             Multi language options can be chosen when processing transaction.

 

7.            Technical Standards        •             The transactions process is secured using “Norton Secured” service.

8.            Basis/Currency Units      •             It supports to choose the country to convert the currency amount into your country currency.

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?)     •             Supporters can pay starting from 5 euro per month and later this amount will be shared among creators whom he/she flatters.

•             The user can donate min €5.

11.          Timing/Lag          •             The supporters can give money for a  month or can choose the option to pay collectively for more than one month.

12.          Liquidity               There exist privacy policy.

13.          Anonymity          When the user signup. The user can choose from the following options.

•             Publicly list what I've flattred

•             Publicly show my spending, for example my flattrs, donations and monthly budget

•             Hide all my things from listings on flattr.com

Note: This will also hide things you already submitted

 

14.          Security                •             “Norton Secured” service is used to make transaction process more secure.

•             Verify email for account security.

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use       The use of the flatter is defined in following steps.

Step 1:

There are different methods to join the flatter.

•             Using facebook account

•             Using Twitter Account

•             Filling an online form

 

Step 2:

18.          Flows/Steps for a Transaction    There are following steps to process the transaction.

•             Step 1: After getting login, the user need to choose the option from either he/she is creator or want to support (give money) to writers, musicians etc. Choose the option “I want to support”.

 

•             Step 2:  The process to faltter the content will be shown.

 

•             Step 3: Choose the connection.

 

•             Step 4: Choose monthly budget

 

•             Step 5: Choose Payment Options

 

Step 6: Add amount into account to pay.

 

 

19.          References/Links             https://flattr.com/

 


 

1.1.1.2   Apple App Store

1.            Description        

2.            Parties (who can use?)  Organizations: IT Companies, Educational Institutes

 

3.            Major players (individuals, organizations, institutions, governments, etc.)            Individuals: A common person

Organizations: IT Companies, Educational Institutes

4.            Controlling Organization/Institution/Regulator(s)             The controlling body of Apple is an organization.

5.            Formality/Restrictions   •             It does not allow to register using other account. For example, Facebook or Twitter etc.

6.            Standards            •             When a user place an order, Apple will contact your credit or debit card's issuing bank to confirm it is a valid account.[1]

•             It provides “Customer Privacy Policy”.

•             It also provides the “Return Item Policy”.

7.            Technical Standards        •             There is Password Policy for creating an Apple ID.

•             All web pages where you can view or change your Apple ID utilize Secure Sockets Layer (SSL) to protect your privacy

8.            Basis/Currency Units      The currency is defined according the selected geographical area.

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?)     •             The fee varies from item to item placed in the store.

11.          Timing/Lag         

12.          Liquidity              

13.          Anonymity         

14.          Security                The security measures taken by Apple are as followed.[2]

•             Apple has define the Password Policy for creating account.

 

•             It provides the the option of “Security Questions” in the registration form to be answered in order to to verify account.

 

•             It also provides the “Two Step Verification” mode to verify your account.

 

•             All web pages where you can view or change your Apple ID utilize Secure Sockets Layer (SSL) to protect your privacy

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk       •             The user can report the fraud case to the Apple Help Center.

17.          How to Sign Up/Use       •             The user can use the apple store by filling an online login form.

18.          Flows/Steps for a Transaction    Following are steps to process the transaction.

Step 1: Login with your account and choose the item to buy.

Step 2: Check out the item.

 

Step 3: Provide Shipping address and preced to next for payment.

 

Apple accepts different payment methods.

•             Credit Cards or Debit Cards

•             PayPal

•             Barclaycard Visa with Apple Rewards

•             PayPal Credit

•             Apple Business Lease (AFS Commercial Credit)

•             Apple Store Gift Card

19.          References/Links             1.            http://store.apple.com/us/help/payments

2.            https://support.apple.com/en-us/HT201303


 

1.1.2      Advertising

1.1.2.1   Google.com

1.            Description        

2.            Parties (who can use?)  People who need to promote their business.

3.            Major players (individuals, organizations, institutions, governments, etc.)            Organizations: IT companies(Android Apps on google play), Advertisers, Business companies, etc.

Intsitutions: Educational Institution,

Individuals: Student, Researcher, Doctor, Lawyer etc

4.            Controlling Organization/Institution/Regulator(s)             There is an organization which is controlling it.

5.            Formality/Restrictions  

6.            Standards            •             It provides “Privacy & Terms” policy to their users.

•             The user account provides the complete list of billing details(Current & Previous)

•             Tax deduction info

7.            Technical Standards       

8.            Basis/Currency Units      The user can select his/her country to pay in the preferred currency.

9.            Exchange Rate Determination   

10.          Fees (how much? Paid by whom? To whom?)    The fee depends on the type of advertisement and paid by the person who request to google to advertise his/her content.

11.          Timing/Lag          The mostly payments are handled during first five days of the month.

12.          Liquidity              

13.          Anonymity         

14.          Security                •             The user account is verified using by sending the email to the user.

•             SSl certificate added to chrome browser to add security for payments.

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use       The user need to create a gmail account by filling an online form in order to create an account.

 

18.          Flows/Steps for a Transaction    There are following steps to be followed after getting signed up.

•             Step 1: Sign in to your AdWords account at https://adwords.google.com

•             Step 2: Choose Billing.

•             Step 3: Choose the country or territory of your billing address as well as your preferred time zone. Click Continue.

•             Step 4: Choose your payment method and enter your billing information. Click Continue.[2]

o             The user can pay using Bank account (also known as direct debit) With this payment method, Google deducts payments for AdWords from your bank account.

o             Credit Cards and Debit Cards

o             Funds Transfer

o             Backup Credit Cards

•             Step 5: Agree to the AdWords terms and conditions.

•             Step 6: Click Save and Activate.

19.          References/Links             1.            https://adwords.google.com/

2.            https://support.google.com/adwords/answer/2375433?rd=2

1.1.3      Infomediaries

1.1.3.1   PatientsLikeMe (www.patientslikeme.com)

 

1.            Description        

2.            Parties (who can use?)  pharmaceutical companies, Medical service provider , Patients , Researchers, Doctors,

3.            Major players (individuals, organizations, institutions, governments, etc.)            Individuals: Doctors, Researchers, Patients, Donors (Blood, Kidney)

Organization: Medical companies, Medical associated societies

4.            Controlling Organization/Institution/Regulator(s)             There is an organizational setup to control it.

5.            Formality/Restrictions   The openness to some information can be a restriction to a user to register on it.

6.            Standards            •             It provides “Terms and conditions of use” to their users.

•             It provides “Privacy Policy” to their users.

•             It also provides “user agreement”.

7.            Technical Standards        •             The user must agree the Terms and conditions in order to get registered.

•             When a user provide name and email upon joining the site, it treats that as “restricted” or unshared data.

8.            Basis/Currency Units      The basic currency unit is Dollar.

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?)     •             Membership of patients(to gain access to community having same sympotoms etc) and researchers(to sell their content to improve medical services)

o             Free Membership

o             Paid Membership

             The paid member has full access to website and charge dollar 5-20 from a member per year.[1]

 

11.          Timing/Lag          Not specified.

12.          Liquidity              

13.          Anonymity (Privacy)       •             The User profile privacy provides the options to choose their visibility to others. The user either can show his/her profile to the patients like him/her or can show to all(public).

•             The system ask from the user permission to share his/her data for selling it.

14.          Security                •             When a user provide name and email upon joining the site, it treats that as “restricted” or unshared data.

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk       •             The risk that someone could use your information against you. For example, medical and life insurance companies have clauses that exclude pre-existing conditions or employers may not want to employ someone with a high-cost or high-risk disease.

17.          How to Sign Up/Use       •             The user needs to fill the online form to get login into the system.

 

•             After filling the form, the user will need to provide basic information.

 

18.          Flows/Steps for a Transaction   

19.          References/Links             1.            http://www.slideshare.net/JessicaWallner/patientslikeme-presentation

1.1.4      Subscriptions Model

1.1.4.1   Spotify

 

1.            Description         The Spotify is an entertainment website. It provides music to their users with different options such as their favourite albums, artists and playlists. The users can have a free acess to some features and if they want to utilize all features of Spotify, they need to subscribe for it.

2.            Parties (who can use?)  Device Manufacturer: The  device  such as Mobile, desktop, tablets, ipod manufacturer provides the support to use it on devices and get pay by Spotify.

Music Bands/ Artists: They can use this platform to promote their music.

 

3.            Major players (individuals, organizations, institutions, governments, etc.)            Indivisuals (Mobile users, Desktop users, and other who are connected with many other devices)

4.            Controlling Organization/Institution/Regulator(s)             Spotify Owner

5.            Formality/Restrictions   It is licensed for personal use and it can only be played from one device at a time.

6.            Standards            •             The music is also available to access offline.

•             In order to maintain the quality of music, a contract is given to new artisits.

7.            Technical Standards        The SSL certification is used in order to meet the security standards.

8.            Basis/Currency Units      The currency unit is given according the geographical location the user has selected.

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?)     •             The price differs among different countries

o             Sweden:  Premium free for 30 days and then 99.00 kr/month afterwards.

o             For UK:  Premium free for 30 days and then £9.99/month afterwards.

o             For USA: 3 months of Premium for $0.99. and then $9.99/month afterwards.

•             It is paid by the users directly to Spotify.

11.          Timing/Lag         

12.          Liquidity              

13.          Anonymity         

14.          Security                •             To assure the security of payments, Spotify uses SSL certificate to encrypt the information. Moreover, Spotify does not store any credit card information

 

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk Analysis (fom user side)      •             The integration with facebook causes privacy issue because the Facebook friend of a user can see the taste of his/her music.[2]

17.          How to Sign Up/Use       •             The user can access it by three ways.

o             First is “Free Access” and for this the user need to get registered by filling the form or by using the facebook account credentials as shown in Figure below.

 

o             The Second mode is the “Premium” where the user need to get register and subscribes to utilize all the features of Spotify. It also provides the trial period for 30 days to avail the features of Spotify and after that the user can subscribe it.

 

 

18.          Flows/Steps for a Transaction    •             First the user need to get register either by filling the form or using facebook account details.

 

•             The next step after getting registered  into Spotify is about payment. Spotify deals with different payment options.

 

•             If user clicks the option “another  payment method”, he/she will get different options to pay their dues. For example, Credit Card, Payscale Card, PayPal or if you have gift voucher(code is given to users as bonus) sent by Spotify to user.

 

 

•             After making the payment, the user get the subscription for 30 days. Now, The user needs to download the the Spotify setup and will get login on it to enjoy the music online.

 

19.          References/Links             1.            https://www.spotify.com/se/

2.            http://www.contrib.andrew.cmu.edu/~dshim/images/portfolio_2_col/Spotify_mktanalysis.pdf

 


 

1.1.4.2   Netflix.com

 

1.            Description         •             Netflix is the most popular internet television network with over 62 million members in over 50 countries. The major feature it is provided to their users includes Movies, TV shows, documentaries and also disk renting, etc. Moreover, it is also providing computer enabled devices for users to access the studio’s media content virtually from anywhere with a power source and fast Wifi connection. The user subscribes to their channels and pay fees for those subscriptions. [1]

2.            Parties (who can use?)  •             Electronics companies: Electronics companies that introduce Netflix ready devices. The companies will introduce Blu-ray disc players or digital televisions that will instantly stream thousands of movies and TV episodes from Netflix that can be watched instantly in the comfort of the living room. [2]

•             TV service providers: The Netflix promoting Internet-connected televisions. So, the TV service provider gets the certification program of “Netflix Recommended TV” to play this program on their TV. For example, the Netflix has given TV certification program to LG, Sony, Roku-bases Tvs. [3]  Another example is the BBC, that plays the Netflix shows on their channel.[4]

•             Advertising Companies: The advertising companies are using the services of Netflix. For example, some advertising companies like Google and Facebook are also using some features of Netflix. [4]

3.            Major players (individuals, organizations, institutions, governments, etc.)            The major players are Organizations and individuals.

4.            Controlling Organization/Institution/Regulator(s)            

5.            Formality/Restrictions  

6.            Standards            •             Convenience, Selection and Fast Delivery

•             Providing Compelling Value for Subscribers

•             Utilizing Technology to Enhance Subscriber Experience and Operate Efficiently

•             Building Mutually Beneficial Relationships with Filmed Entertainment Providers.[5]

•             According to Netflix CFO, David Wells, who says that a country’s piracy rate is the primary factor determining the service’s local price. If you live in a country with a lot of piracy, you probably enjoy lower monthly Netflix subscription fees.[2]

7.            Technical Standards        •             The use of a real-time postal address validator to help subscribers enter correct postal addresses and to determine the additional postal address fields required to promote speedy and accurate delivery.

•             The use of SSL security certificate for encryption of credit card information.

8.            Basis/Currency Units      The basic currency in which it deals is dollar($) but it converts the currency unit according to geographical location.

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?)     •             From individual: For $8.99 a month, Netflix members can instantly watch unlimited movies and TV episodes streamed to their TVs and computers via an ever-growing list of Netflix ready devices, and can receive unlimited DVDs delivered quickly to their homes by the U.S. Postal Service.[6] 

•             Netflix pay for online marketing on a placement, per-impression basis or per-click basis, as well as through cash bounties paid for each subscriber referred to them.[7]

11.          Timing/Lag         

12.          Liquidity              

13.          Anonymity         

14.          Security                •             Payment Security: Netflix has implemented protocol  (Secure Sockets Layering) to encrypt the information and to certain a secured way of your information to us. [8]

•             Account Security: The Netflix provides the facility to report the “fraud or suspicious activity” and “Security flaws” regarding the account for their help staff.

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use       •             The first step to use the program is to sign up. As the user clicks on the sign up option, subscription packages would be displayed and user have to use one in order to process further.

•             After choosing a package, the system will ask you to enter an email address and password.

•             Now the system will bring you on payment options.

18.          Flows/Steps for a Transaction    •             Once you have signed up and get the payment option webpage, you will be asked to choose the mode of payment.

•             The Netflix provides you two (2) modes of payment. The one is Credit card using Visa, MasterCard and Amex and the second is PayPal. [9]

19.          References/Links             1.            http://ir.netflix.com/

2.            http://www.prnewswire.com/news-releases/netflix-announces-multiple-partners-to-instantly-stream-movies-and-tv-episodes-from-netflix-to-the-tv-80893517.html

3.            http://variety.com/2015/digital/news/netflix-announces-first-recommended-tv-partners-1201467431/

4.            http://spiderbook.com/netflix-partners.html

5.            http://www.shareholder.com/Common/Edgar/1065280/1193125-05-51159/05-00.pdf

6.            http://www.gizmodo.com.au/2015/04/netflix-sets-its-prices-according-to-local-piracy-rates/

7.            http://www.shareholder.com/Common/Edgar/1065280/1193125-05-51159/05-00.pdf

8.            https://www.netflix.com/privacypolicy?locale=en-US#security

9.            https://www.netflix.com/payment?locale=en-SE


 

1.1.5      Communities Model

1.1.5.1   Tripadvisor (tripadvisor.com)

1.            Description         TripAdvisor.com has become one of “the largest travel community in the world with more than 60 million unique monthly visitors, and over 75 million reviews and opinions.”[1]

2.            Parties (who can use?)  •             The Business owners such as hotels, restaurants, flight companies, attractions,  rental agents.[1]

 

3.            Major players (individuals, organizations, institutions, governments, etc.)            •             Individual: For example, business owners, rental agents etc.

•             Organizations: For example, flight companies, restaurants etc.

•             The TripAdvisor generates revenue by the individuals and organizations from the following sheme

o             Click-based advertising: Tripadvisor also get paid by the business owners and companies when the users click on their advertisements shown on tripadvisor website.

o             Display advertising: TripAdvisor displays adevertisiement of traveling companies, restaurants etc.

o             Subscription revenue: The subscription of each business is charged by the tripadvisor.

 

4.            Controlling Organization/Institution/Regulator(s)             •             Organization

5.            Formality/Restrictions   •            

6.            Standards            •             It provides the “Term of use” agreement.

•             Copyright and Trademark Notices are available for websites

•             The provides the LIABILITY DISCLAIMER to their users.

•             It provides “Privacy Policy” agreement.

•             There are different Privacy rights defined for different countries. For example, the webite has a separate  Privacy right for the California state.[2]

7.            Technical Standards        •             The user can check the status of his/her ticket  which he got to from the Help Center.

 

8.            Basis/Currency Units     

                 

                 

                 

 

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?)     •             There is no fee for the users who visit the website and search on website.

•             There is no specific fee for the Click-based advertisements but the amount is given according to Clcik-based shares.

11.          Timing/Lag          •             There is no such timing issue in it.

12.          Liquidity              

13.          Anonymity         

14.          Security                •             All registered business owners on TripAdvisor, both new and existing, must complete a process to verify their identity and affiliation with each of their businesses.[3]

 

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk       •             TripAdvisor LLC is not responsible for content on external web sites.

17.          How to Sign Up/Use       •             There are three options to choose to Signup.

o             Using Facebook account

o             Using GooglePlus Account

o             Fill the online form as shown below:

 

 

•             If a user chooses the option to get signup using facebook he/she will get the form to enter Screen name and city.

 

 

o             Next, after entering the screen name and City user will be directed to choose “type of trip”.

 

 

•             Now, System can recommend according to the user’s chosen preferences.

18.          Flows/Steps for a Transaction    In order to register business on TripAdvisor, following are the few steps which the owner of any business go thorough.[4]

•             Step 1:Choose business type.

 

 

•             Step 2: Enter the business name and city

 

•             Register for the business

 

•            

19.          References/Links             1.            http://e-businessmodeltripadvisor.blogspot.se/

2.            http://www.tripadvisor.com/pages/privacy.html

3.            http://www.tripadvisor.com/TripAdvisorInsights/n691/how-verify-your-identity-business-representative-tripadvisor

4.            https://www.tripadvisor.com/Owners

 

1.1.5.2   DeviantArt (deviantart.com)

•             Description        

•             Parties (who can use?)  Artist, Media can also use to take some art from here.

Googleplay, Amazon, AppleStore provide the mobileApp to user to download paid by the Deviantart.

•             Major players (individuals, organizations, institutions, governments, etc.)            Individuals who love arts.

•             Controlling Organization/Institution/Regulator(s)             The Regulators are controlling it.

•             Formality/Restrictions   Does not support login using facebook , twitter etc

•             Standards            •             “Terms of service” and “Etiquette Ploicy” , the user need agree on these in order to get Signup.

•             While Sign up you can check for the option to send you email for updates.

•             Wishlist option to choose the item later.

•             Return Policy for users

•             Promotional codes for discount

•             Technical Standards        •             128-bit SSL encryption to protect the transaction process especially safety for of the Credit Card.

 

•             Basis/Currency Units      The user can convert the currency unit by using the drop down menu option.

•             Exchange Rate Determination    Not define.

•             Fees (how much? paid by whom? to whom?)     The varies among different plans.

•             Buy art: Each art has its own price and it varies from art category to category.

•             Buy AdCast: it is a kind of facility to advertise the the art. The DeviantArt provides an Adcast homepage or profile page to user to place their their advertisements and then user can promote that page. The subscription charges are from 20-1,000 dollar.

•             Premium Membership: 42 krone everymonth. If pre paid for 12 months then user will get 50 % discount.

•             For pre pay the user will get the discount.

•             Timing/Lag          The packages are subscribed for a month for post pay user and 12 month for pre paid user with discount.

 

•             Liquidity              

•             Anonymity          The user can choose the option what information he/she wants to show to others.

•             Security                •             128-bit SSL encryption to protect the transaction process especially safety for of the Credit Card.

 

•             The user need to verify the email account which is provided during creating the account. The email is sent to users.

•             Repudiation/Refutation Potential           

•             Fraud Potential/Risk      

•             How to Sign Up/Use       The user can sign up only by filling the online form.

 

•             Flows/Steps for a Transaction    •             Get login using id.

•             For Ad products

o             Choose plan

o             Design your Ad

o             Pay the amount

 

•             Buying Art

o             Get login and Add art to cart

o             Varify amount and Payment mode

The user can pay using the Card  (Visa, MasterCard, AmericanExpress, Discover), Paypal and Earned Point.

 

o             Confirm Shopping Address

o             Select Shipping Method and Place your Order

•             References/Links             http://www.deviantart.com/

 

1.1.6      Utilities

1.1.6.1   Amazon S3

1.            Description        

2.            Parties (who can use?)  Websites & Web Apps developer companies, Mobile Services Developer companies, Big Data & HPC, Gaming, Digital Media, Healthcare & Life Sciences, Business Apps


3.            Major players (individuals, organizations, institutions, governments, etc.)            Organizations, Institutions, governments can use to Backup, Storage, & Archive their data.

Organization: Websites & Web Apps developer companies, Mobile Services Developer companies, companies working on Big data, Business Apps developer.

 

4.            Controlling Organization/Institution/Regulator(s)             The controlling organization is Amzon itself.

5.            Formality/Restrictions   •             The user cannot login using facebook, twitter or googleplus account.

•             Only Credit Card for transaction.

6.            Standards            •             Audit log: The user can configure your Amazon S3 bucket to create access log records for the requests made against it.

•             Versioning: The user use versioning to preserve, retrieve, and restore every version of every object stored in your Amazon S3 bucket.

•             Multi-Factor Authentication Delete: this feature requires the use of a multi-factor authentication device to delete objects stored in Amazon S3 to help protect previous versions of your objects.

•             Terms of Use agreement is available to users.

•             AWS Customer Agreement,the user need to get agree when create the account and provides contact information.

 

7.            Technical Standards        •             Encryption

o             You can upload/download your data to Amazon S3 via SSL-encrypted endpoints.

o             SSE with Amazon S3 Key Management (SSE-S3): With SSE-S3, Amazon S3 will encrypt your data at rest and manage the encryption keys for you.

o             SSE with Customer-Provided Keys (SSE-C): With SSE-C, Amazon S3 will encrypt your data at rest using the custom encryption keys that you provide.

o             SSE with AWS KMS (SSE-KMS): With SSE-KMS, Amazon S3 will encrypt your data at rest using keys that you manage in the AWS Key Management Service (KMS).

o             Query string authentication: allows you to provide a URL that is valid only for a length of time that you define. This time limited URL can be useful for scenarios such as software downloads or other applications where you want to restrict the length of time users have access to an object.

8.            Basis/Currency Units      •             The main currency unit is dollar but the user can convert them to other currency units.

•             While chosing the Package plan only few currency units are available to convert from one currency to another.

 

9.            Exchange Rate Determination    The detail exchange rate is given to the users when the user process transaction.

10.          Fees (how much? paid by whom? to whom?)     •             The user can try the Amzon S3 free for 12 months.

•             After that the fee storage fee starts from 0.0300 dollar permonth.

•            

•             User Request price

•            

•             Data transfer Price•       

11.          Timing/Lag          The packages are subscribed for the duration of month, year etc.

12.          Liquidity               The Privacy policy has been provided to the users so that they can know who, how and when can see his/her information etc.

13.          Anonymity         

14.          Security                •             You can upload/download your data to Amazon S3 via SSL-encrypted endpoints.

•             SSE with Amazon S3 Key Management (SSE-S3): With SSE-S3, Amazon S3 will encrypt your data at rest and manage the encryption keys for you.

•             SSE with Customer-Provided Keys (SSE-C): With SSE-C, Amazon S3 will encrypt your data at rest using the custom encryption keys that you provide.

•             SSE with AWS KMS (SSE-KMS): With SSE-KMS, Amazon S3 will encrypt your data at rest using keys that you manage in the AWS Key Management Service (KMS).

•             Audit log: The user can configure your Amazon S3 bucket to create access log records for the requests made against it.

•             Multi-Factor Authentication Delete: this feature requires the use of a multi-factor authentication device to delete objects stored in Amazon S3 to help protect previous versions of your objects.

•             Query string authentication: allows you to provide a URL that is valid only for a length of time that you define. This time limited URL can be useful for scenarios such as software downloads or other applications where you want to restrict the length of time users have access to an object.

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use       •             To use Amazon S3, you need an AWS account. If you don't already have one, you'll be prompted to create one when you sign up for Amazon S3.

 

•             After Filling the online form to get the Amzon S3 user id. The user will be asked to provide the contact information using the Amazon id.

•            

18.          Flows/Steps for a Transaction    Step 1: After having the Amazon S3 account provide contact information.

 

 

•             Payment Information

19.          References/Links             http://aws.amazon.com/s3/

 

 

 

1.1.6.2   HBO on-demand

1.            Description        

2.            Parties (who can use?)  Its not specific to any particular person. The people concerning from any field or any age group can subscribe for it.

Apple sells this “HBO Now” app and through you can subscribe to this service.

3.            Major players (individuals, organizations, institutions, governments, etc.)            Organization: Apple, Internet Service provider whom “HBO Now” pays to promote their service.

 

4.            Controlling Organization/Institution/Regulator(s)             The controlling body is an organization.

5.            Formality/Restrictions [1]             •             The user need an iPhone, iPad, or Apple TV, Deskop browser to to watch “HBO Now”. Android App will be launched soon.

•             Need the Internet service unless you live in an area where Cablevision provides Internet service.

6.            Standards            •             Password sharing Policy: Feel free to share with members of your household, but be aware of “other tools of enforcement available to us” if people are sharing too much. though the number of simultaneous streams per account is capped at three.

•             you can’t unsubscribe through HBO’s apps or website. Instead, you have to manage your subscription from the provider you signed up with. If you signed up through iTunes, you must go to the App Store, open the Featured section, scroll to the bottom, press “Apple ID,” press “View Apple ID,” and then press “Manage” under the Subscriptions section. From here, you can see your HBO Now subscription and turn auto-renewal on or off.

7.            Technical Standards       

8.            Basis/Currency Units      The main currency unit is dollar but the user can convert the currency unit according to their region.

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?) [1]              •             The service costs $15 per month—roughly the same price HBO charges for its regular pay-TV network.

•             you can get started with a free 30-day trial.

11.          Timing/Lag          •             Monthly subscription with no long-term contracts

12.          Liquidity               Rules will be followed what Apple Store has

13.          Anonymity          Rules will be followed what Apple Store has

14.          Security                Rules will be followed what Apple Store has

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use       •             HBO isn’t selling HBO Now directly to users. Instead, it’s working with third parties such as Apple, which is signing up and billing users through iTunes on iOS devices.

•             HBO is also partnering with Internet service providers to handle sign ups and billing, though Cablevision is the only one on board for now.

18.          Flows/Steps for a Transaction    Same what Apple Store has.

19.          References/Links             http://www.techhive.com/article/2908293/hbo-now-explained-everything-we-know-and-a-few-things-we-dont.html

http://hbowatch.com/watch-hbo-online-for-free-with-hbogo/

 

1.1.6.3   Lulu(Lulu.com)

1.            Description        

2.            Parties (who can use?)  The istitutues can purchase or publish the book.

 

3.            Major players (individuals, organizations, institutions, governments, etc.)            Individual: Anyone can buy and publish the book.

Organizations: Publishers

The istitutues: Universities, Colleges´ administration can purchase or publish the book.

 

4.            Controlling Organization/Institution/Regulator(s)             The controlling body of Lulu are regulators.

5.            Formality/Restrictions  

6.            Standards            •             Privacy Policy and Contact Information option given when user registers but its not compulsory to accept.

•             User must accept the terms and conditions in the Lulu Membership Agreement.

•             Rating and Reviews of the Product are also available for users when he chooses the item to buy.

•             Coupon code for discount.

•             The amount is charged after tax deduction . this information was shown to users while processing the transaction.

7.            Technical Standards        •             The user can like the product(Book) using facebook account.

•             The user embed the book using facebook, Twitter, Digg, Reddit, StumbleUpon, Delicious.

8.            Basis/Currency Units      The basic currecy is dollar Dollar.

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?)     •             Fee for creating the print book starts from 3.25 to 9.05 dollar.

11.          Timing/Lag          No specific time limitations.

12.          Liquidity              

13.          Anonymity         

14.          Security                •             “ComodoSecure” service is used to make transaction secure. For the security of Card.

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use       The user need to fill the form for registration.

 

Confirm your email after registration.

18.          Flows/Steps for a Transaction    Step 1: The user need to get login first.

Step 2: Choose the book you want to purachse and add it to cart.

 

Step 3: Checkout

 

Step 4: Shipping Address

 

Step 5: Delivery Option

 

Step 6: Payment (Credit/Debit, Paypal,)

 

Step 7: Review and place the order.

19.          References/Links             https://www.lulu.com/

 

1.1.7      Merchants and e-shop

1.1.7.1   Amazon(Amazon.com)

1.            Description        

2.            Parties (who can use?)  Software Companies, Hardware caompnies, Media industry, Educational, Gamers, Advertisers etc.

3.            Major players (individuals, organizations, institutions, governments, etc.)            Organization: Software Companies, Hardware caompnies, Media industry, Educational, Clothing brands, Music industry,  etc.

Individuals: Researchers, Students, Interior designers, beauticians,  Pet lovers etc.

 

4.            Controlling Organization/Institution/Regulator(s)            

5.            Formality/Restrictions   •             The user under 18, may use Amazon.com only with the involvement of a parent or guardian.

6.            Standards            •             It contains the “Wishlist” and “Recommendations from users” options.

•             It provides the “Returns and Refunds Policy” to users.

•             It also provides “Exchange and Replacement” Policy.

•             The “Conditions of use” is shown to user while creating a new account.

•             User can view the exchange rate used on an order on check out.

7.            Technical Standards        •             It contains the “Wishlist” and “Recommendations from users” options.

•             The user can login using the email or mobile number.

8.            Basis/Currency Units      It facilitates the user with the option “currency convertor” to choose their desired currency unit.

9.            Exchange Rate Determination    If the user enables the option “1-Click Payment to USD” in his/her account the user will be able to see the exchange rate on checkout.

10.          Fees (how much? paid by whom? to whom?)     The shipping fee also varies from country to country.

The fee varies from item to item and package to package paid from the buyer to amazon.

11.          Timing/Lag          The timing depends on the choosen package plan.

12.          Liquidity              

13.          Anonymity          The Privacy Policy is given to users in order to collect their data. It shows who can see their data and it will not be shared with other third party for sale.

14.          Security                •             The Privacy Policy is provided to users.

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use       The online form is available to be filled to get sign up.

 

The user can sign up using email id or mobile number.

When the user choose the option “I am a customer” the following forms is given to user to be filled.

 

 

18.          Flows/Steps for a Transaction    Step 1: Login with user account.

Step 2: choose the item and add to Cart. Precede the transaction with Checkout.

Step 3: Provide billing address.

 

Step 4: Choose continue and process the transaction.

 

Step 5: Choose payment method.

 

Step 6: Continue to process the payment and place the order.

19.                         

20.          References/Links            

 

1.1.8      Manufacturing

1.1.8.1   Dell(dell.com)

1.            Description        

2.            Parties (who can use?)  IT Companies, Educational institute, Governmental and non-governmental offices

3.            Major players (individuals, organizations, institutions, governments, etc.)            Individual: Student, Artist, Researcher etc

Orgainization: IT Companies,

Institutions: Educational institute

4.            Controlling Organization/Institution/Regulator(s)             The controlling authority is in a form of organization.

5.            Formality/Restrictions   •             The user must buy the McAfee LiveSafe 30 Day Trial if he/she buying the laptop. The price is included with the item price.

6.            Standards            •             The user must agree the privacy statement for signing up.

•             Accidental Damage Service is also given to users if they want to use.

•             1 year limited hardware warranty

•             Premium Support(Onsite service after remote diagnosis) packages for 1, 2 and 3 years

•             There are “Terms and conditions for sale” and user must agree in order to process transaction.

•             Free shipping and return policy.

7.            Technical Standards        •             The user can compare the price of the choosen item with other items having the same configurations.

 

8.            Basis/Currency Units      The basic currency unit is Dollar($).

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?)     •             The fee varies from item to item.

11.          Timing/Lag          •             The user Support packages are for 1,2, and 3 years while the warranty of hardware is for 1 year.

12.          Liquidity              

13.          Anonymity         

14.          Security                •             Norton Secured Payment Transaction are made.

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk       •             There is item return policy if found damaged.

17.          How to Sign Up/Use       •             The user can sign up by choosing any following method.

o             Filling an online form

o             Using gmail account.

o             Using Facebook account.

o             Using twitter account

o             Using linkedin account

18.          Flows/Steps for a Transaction    •             Step 1: The user need to login for processing transaction.

•             Step 2: Choose the item to buy and put it to the Cart to precede to checkout.

•             Step 3: Choose the Billing address.

•             Step 4:Choose the payment method

 

•             Step 5: Verify and submit the order

•             Step 6: At the end user get the confirmation and confirm the order he/she made.

19.          References/Links             https://ecomm.dell.com/

 

1.1.9      Affiliation

1.1.9.1   Dreamhost(dreamhost.com)

21.          Description        

22.          Parties (who can use?)  IT related fileds.

23.          Major players (individuals, organizations, institutions, governments, etc.)            IT related fileds.

24.          Controlling Organization/Institution/Regulator(s)             Organization

25.          Formality/Restrictions  

26.          Standards            Summaer discount packages.

User must agree to DreamHost's Terms of Service, Anti-Spam, and Domain Registration policies in order to signup.

After payment the user will get signup.

Gift card or promo card for discount in payment.

 

27.          Technical Standards       

28.          Basis/Currency Units      dollar

29.          Exchange Rate Determination    Not define

30.          Fees (how much? paid by whom? to whom?)     Hosting fee dollar 8.85 per year while domain was free.

 

31.          Timing/Lag          Per month and per year.

32.          Liquidity              

33.          Anonymity          Domain Privacy hides users personal information from the public.


34.          Security                The user needs to verify the email in order to get login.

35.          Repudiation/Refutation Potential           

36.          Fraud Potential/Risk      

37.          How to Sign Up/Use       The user can signup after processing the payment.

 

38.          Flows/Steps for a Transaction    The Transaction Process are as followed.

 

Step 2:

 

Step 3:

 

Step 4:

 

Payment Method is card only.

 

39.          References/Links             https://signup.dreamhost.com/shared/billing/

 

1.1.9.2   Pricerunner(pricerunner.se)

1.            Description        

2.            Parties (who can use?)  Anyone can shop from here..

3.            Major players (individuals, organizations, institutions, governments, etc.)            Reatilers, Advertisers

4.            Controlling Organization/Institution/Regulator(s)             Organization

5.            Formality/Restrictions   Pay by invoice only.

6.            Standards            •             The user is asked to for the following when he/she signup.

o             I accept the Terms and conditions * .

o             Yes, I would like to receive Online Coupons newsletter with news, hot products, offers and competitions! The newsletter is published twice a month. (Optional)

•             The discount offers.

•             The user can compare the prices of products with different companies products.

•             Free Return and Free Shipping

•             14 days return Policy

•             Products are available for these regions.

7.            Technical Standards       

8.            Basis/Currency Units      SEK

9.            Exchange Rate Determination    Not define

10.          Fees (how much? paid by whom? to whom?)     Each product has different price

11.          Timing/Lag          once

12.          Liquidity               if you signup using Facebook account it does share the data on facebook.

13.          Anonymity         

14.          Security               

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use       The user can signup by filling an online account and also using facebook identity.

 

18.          Flows/Steps for a Transaction    Step 1: Get login

Step 2: Choose item to buy

Step 3:Add to cart

 

Step 4: Checkout the Item

 

Step 5: Pay by invoice only.

19.          References/Links            

 

1.1.10    Freemium Model

1.1.10.1 Dropbox

1.            Description         Dropbox is a file hosting service. It facilitates the users by having website and also the desktop application to store the files. The data is always synchronized uploaded on website or desktop application.

2.            Parties (who can use?)  •             Yahoo, Spotify, Kayak IntuiT, National Geography, Under Armour, Rockstar Energy Drink.

3.            Major players (individuals, organizations, institutions, governments, etc.)            •             Individuals: For example, students, Teachers, IT professional,  etc.

•             Organization: Yahoo, Spotify, Kayak IntuiT, National Geography, Under Armour, Rockstar Energy Drink etc[1]

4.            Controlling Organization/Institution/Regulator(s)            

5.            Formality/Restrictions   •             The Dropbox for “Business” trail is for 14 days.

6.            Standards            •             The user needs to agree  for Dropbox for Business Agreement and Terms to get the package.

•             It is protected with the copyright law.

7.            Technical Standards        •             Secure Sockets Layer (SSL) and AES-256 bit encryption

•             For two step verification, the user can either scan a barcode or can receive the key as shown in the following Figure.

 

8.            Basis/Currency Units      •             The Basic Currency units are Dollar ($) and Euro (€).

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?)     •             The fee differs for different plans as given below:

o             Dropbox: Free

o             Dropbox Pro: €9.99 / month

o             Dropbox for Business: €12 user / monthstarting with 5 users.

11.          Timing/Lag          •             The most of the packages are available to buy for a month or for an year.

12.          Liquidity              

13.          Anonymity         

14.          Security                •             To provide security to your account, two-step verification, a login authentication feature which can be enabled by users.

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use       •             There is a form to be filled to signup.

 

•             The user needs to validate the entered email for authentication.

18.          Flows/Steps for a Transaction    •             Step 1: After getting signup into the dropbox the user can process further by choosing his/her package plan and Payment mode.

 

 

•             The accepted Payment methods are Credit Card, Paypal and via requesting Invoice.

19.          References/Links             1.            https://www.dropbox.com/business/try

 


1.1.10.2 Skype

1.            Description         Skype provides connectivity between business and the Skype community. It provides the global calling to landlines and mobiles.

2.            Parties (who can use?)  •             Advertising companies, Business Companies( Online Educational , Training) etc.

•             Mobile Device Manufacturer

•             Mac, Linux

3.            Major players (individuals, organizations, institutions, governments, etc.)            •             Individuals:  For example students, professionals, Online Tutors etc.

•             Organization: For example Colleges, University, Business company etc.

4.            Controlling Organization/Institution/Regulator(s)             •             Microsoft[1]

5.            Formality/Restrictions   •             The users can not make free calls on their phone number. The user needs to earn bonus or need to pay for those calls.

•             The maximum size of file shared on skype less than 2GB.

•             P2P file transfer is a security challenge for corporate networks

•             It does not provide any support for centralized anti-virus scanning.

6.            Standards            •             It is protected by Copyright law.

7.            Technical Standards        •             In order to maintain the password security, the users’ passwords are stored as a non-reversible hash.

•             In oder to avoid falsifying  user identity, it uses public-key cryptography with signed digital credentials to authenticate users.

8.            Basis/Currency Units      •             The Basic currency units are mentioned in following figure.

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?)     •             The fee is paid directly from the users to Skype.

•             The fee is different for different call packages. For example the fee for “Skype for Business” package is 13.90 kr user/month.

11.          Timing/Lag          •             The most of the packages are paid for a month.

12.          Liquidity              

13.          Anonymity         

14.          Security                •             The user needs to authenticate his/her email ID while signing up on skype to validate the account.

•             The detail of Security strategies are mentioned in section “Technical Standards”.

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use       •             The user can Signup using three different options. For example, using Microsoft account, Facebook account or by filling the online form for registration.

•             Online Form is shown below.

18.          Flows/Steps for a transaction     •             The user goes through following steps to get Skype Credit.

o             Step 1: Choose the amount

 

 

 

o             Step 2: Fill the form for billing address

o             Step 3: ChoosePayment method. For example, Credit card, PayPal, Nordea, Skrill, One-off bank transfer, Playspan, Ukash.

 

 

 

19.          References/Links             1.            http://download.skype.com/share/business/guides/skype-it-administrators-guide.pdf

 


1.1.11    Crowsourcing and crowdfunding

1.1.11.1 Wikipedia

1.            Description        

2.            Parties (who can use?) 

3.            Major players (individuals, organizations, institutions, governments, etc.)            IT earns from personal donations and government grants.

 

4.            Controlling Organization/Institution/Regulator(s)             a non-profit organization.

5.            Formality/Restrictions  

6.            Standards            Privacy policy is defined.

Donor Policy is define.

7.            Technical Standards        User login log is maintained.

Captcha Security: Security Check while creating account.

 

8.            Basis/Currency Units      choosen according to the geographical location.

9.            Exchange Rate Determination    no

10.          Fees (how much? paid by whom? to whom?)     There is no such fee. The user donate to Wikipedia which starts from 50 krone.

 

11.          Timing/Lag          The donation is give for one time or for each month.

12.          Liquidity              

13.          Anonymity          Privacy Policy is defined to users.

14.          Security                “Open security ” approach is used for Wikipedia.

Captcha Security check for creating accouting.

The user needs to verify his/her account sent by an email by Wikipedia.

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use       The user can signup by filling an online form.

 

18.          Flows/Steps for a Transaction    The user need to get login and can donate to the Wikipedia.

 

19.          References/Links            

 

1.1.11.2 Innocentive

1.            Description        

2.            Parties (who can use?)  Educational, Industries and Governments.

3.            Major players (individuals, organizations, institutions, governments, etc.)            Foundations and nonprofit organizations employ many approaches to achieve their missions. They utilize grants, they collaborate with partners, they advocate for change, they fund research, publish, and promote

4.            Controlling Organization/Institution/Regulator(s)             Organization based.

5.            Formality/Restrictions  

6.            Standards            Provides option to “confirm public detail” which is to to confirm what information other users can see.

7.            Technical Standards        The user must agree the Term of use agree while creating account.

Captcha Security check while creating account.

Applied Login session and user will automatically logged out after a specific interval.

8.            Basis/Currency Units      The basic currency unit is dollar.

9.            Exchange Rate Determination    Not define

10.          Fees (how much? paid by whom? to whom?)     •             The solver accept the challlege and win the prize starting from the 5000 to 100,000 dollar.

•             Each project that you get has different fundings level.

11.          Timing/Lag          Each project has its own duration to complete.

12.          Liquidity              

13.          Anonymity          •             Provides option to “confirm public detail” which is to to confirm what information other users can see.

•             When user fills the  the contact information he may agree the with option but its not compulsory “Make my profile public so that other members of the community can find me when searching.”

•             Privacy detail

14.          Security                Captcha Security check while creating account.

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use       The user can get login using from facebook account. (I didn’t find this option on page)

The user can get register by filling an online form.

 

Verify email.

 

18.          Flows/Steps for a Transaction    Get login

Choose the project and then provide the contact information.

The user need to complete the project.

19.          References/Links            

 


 

1.1.11.3 Kickstarter

1.            Description        

2.            Parties (who can use?)  Software Companies, Artists, industries etc

3.            Major players (individuals, organizations, institutions, governments, etc.)            Individuals, Organizations.

Individual, organizations that belogs to the following

 

4.            Controlling Organization/Institution/Regulator(s)             Controlling body is an organization.

5.            Formality/Restrictions  

6.            Standards            •             The user needs to agree the “Terms of use”, “Privacy Policy” and “Cookies Policy”

•             Receive our weekly projects newsletter and other occasional updates

•             After getting login using facebook the user will be asked to create a new password for kickstarter and it will not use facebook password.

•             Provides Tax related information to the users.

7.            Technical Standards       

8.            Basis/Currency Units      The main currency is dollar.

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?)     If the project is successfully funded only then the Kickstarter's 5% fee will be charged from the user

payment processing fees (between 3%and 5%) almost 0.20 dollar per pledge.

11.          Timing/Lag         

12.          Liquidity               Defined in the Cookies Policy.

When the user login using face book it says “We'll never post anything on Facebook

without your permission.”

13.          Anonymity          Privacy Policy is define for this.

14.          Security                Privacy Policy is define for this.

The user needs to verify. It can be done by sending email or by Phone too.

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use       The user can signup by filling an online form or by using facebook account.

 

If you login using facebook account. Later, the system asks you to create password for kickstarter it does not use facebook password.

18.          Flows/Steps for a Transaction   

19.          References/Links            

 

1.1.12    Open Business Model

1.1.12.1 Tesla Motors (www.teslamotors.com)

1.            Description        

2.            Parties (who can use?)  Autmobiles companies,

3.            Major players (individuals, organizations, institutions, governments, etc.)            organizations : Automobiles companies,

 

4.            Controlling Organization/Institution/Regulator(s)             The controlling body here is in the form of organization.

5.            Formality/Restrictions  

6.            Standards            •             For any assistance user can request a call back.

•             It contains the Privacy Policy for users in order to collect data from them.

•             User can return unused product in the original packaging for a full refund of the merchandise price within 30 days.

•             The user can by the Products either on lease or by cash.

•             By placing an order the user must agree with Model S Order Agreement to confirm his order.


7.            Technical Standards       

8.            Basis/Currency Units      •             The currency unit can be set by choosing geographical location.

 

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?)     •             The fee varies from item to item.

11.          Timing/Lag          The user can pay the fee/charges per month or per year.

12.          Liquidity              

13.          Anonymity          •             Personally identifiable information collected on our website is never provided or sold to any other company which is mentioned is privacy policy.

14.          Security                The “Security Policy” is shown to user when he/she chooses the payment method(Visa, Checking Account Debit)

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk       No “Security Policy” was given to user while processing the transaction using PayPal Method.

17.          How to Sign Up/Use       •             There is an online form to fill for signing up.

18.          Flows/Steps for a Transaction    •             In order to place an order the user need to fill the form which is same what we had for creating account.

 

19.          References/Links             https://my.teslamotors.com/order

 

1.1.13    Barter

1.1.13.1 Google voice recognition technology

IS it a business model?? This is an app and can bdownloaded from the AppleStore and GooglePlay.

1.            Description        

2.            Parties (who can use?)  Android, iPhone or iPad app,  are using this technology.

3.            Major players (individuals, organizations, institutions, governments, etc.)            Anyone who uses the phone.

4.            Controlling Organization/Institution/Regulator(s)             The controlling Organization is Google.

5.            Formality/Restrictions  

6.            Standards           

7.            Technical Standards       

8.            Basis/Currency Units     

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?)    

11.          Timing/Lag         

12.          Liquidity              

13.          Anonymity         

14.          Security               

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use      

18.          Flows/Steps for a Transaction   

19.          References/Links            

 

1.1.13.2 Capchas

1.            Description        

2.            Parties (who can use?) 

3.            Major players (individuals, organizations, institutions, governments, etc.)           

4.            Controlling Organization/Institution/Regulator(s)            

5.            Formality/Restrictions  

6.            Standards           

7.            Technical Standards       

8.            Basis/Currency Units     

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?)    

11.          Timing/Lag         

12.          Liquidity              

13.          Anonymity         

14.          Security               

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use      

18.          Flows/Steps for a Transaction   

19.          References/Links             http://www.captcha.net/

 

1.1.14    P2P

1.            Description        

2.            Parties (who can use?) 

3.            Major players (individuals, organizations, institutions, governments, etc.)           

4.            Controlling Organization/Institution/Regulator(s)            

5.            Formality/Restrictions  

6.            Standards           

7.            Technical Standards       

8.            Basis/Currency Units     

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?)    

11.          Timing/Lag         

12.          Liquidity              

13.          Anonymity         

14.          Security               

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use      

18.          Flows/Steps for a Transaction   

19.          References/Links            

 

 

1.1.15    Prosumerism

1.1.15.1 Makerbot(marketbot.com)

1.            Description        

2.            Parties (who can use?)  IT Companies, Advertisers, Marketers

3.            Major players (individuals, organizations, institutions, governments, etc.)            Organizations, Marketers, etc

4.            Controlling Organization/Institution/Regulator(s)             Organization

5.            Formality/Restrictions  

6.            Standards           

7.            Technical Standards       

8.            Basis/Currency Units      Dollar

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?)     The project are funded by the people, Donation based.

While the organization pay to their employees from those donations.

11.          Timing/Lag          Each project has its own duration

12.          Liquidity              

13.          Anonymity          While the user signup it is asked from the user “Hide name on backers list”

14.          Security               

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use       This is optional.

 

18.          Flows/Steps for a Transaction    Creating account is optional for processing the donation.

The User can donate using BitCoins and

 

 

Step 2:

 

Step 3:

 

Payment modes:

 

19.          References/Links             http://marketbot.com/fund.php

 

1.1.15.2 Amara(amara.org)

1.            Description        

2.            Parties (who can use?)  Market seller, Content Seller etc

3.            Major players (individuals, organizations, institutions, governments, etc.)            Organization: Market seller, Content Seller etc

4.            Controlling Organization/Institution/Regulator(s)            

The controlling body is organization.

5.            Formality/Restrictions  

6.            Standards           

7.            Technical Standards       

8.            Basis/Currency Units     

9.            Exchange Rate Determination   

10.          Fees (how much? paid by whom? to whom?)     Fee depends on the number of videos converted…

11.          Timing/Lag         

12.          Liquidity               IF the user signup using facebook it does post on facebook user’s signup detail.

13.          Anonymity          Privacy policy for users.

14.          Security               

15.          Repudiation/Refutation Potential           

16.          Fraud Potential/Risk      

17.          How to Sign Up/Use      

18.          Flows/Steps for a Transaction   

19.          References/Links             http://amara.org/en/