Re: [Skunkworks] [ke-internetusers] Re: Let's build an Electronic Payment Solution!
I know of 2 companies in that sort of business from Ghana. DreamOval, whose product is called iWallet. I've had the opportunity to work with one of their managers, Henry, and he's briefed me about their product. The other company is BSL. It seems to be founded by a Kenyan lady and a Ghanian AKA the 'Bill Gates of Ghana'. However from a lengthy article posted yesterday by a Skunker, it seems their operations are targeted at African merchants who want to sell to the diaspora. o_O! --- On Sun, 9/20/09, Wire James <lunghabo@linuxsolutions.co.ug> wrote: From: Wire James <lunghabo@linuxsolutions.co.ug> Subject: Re: [ke-internetusers] Re: [Skunkworks] Let's build an Electronic Payment Solution! To: "wesley kirinya" <kiriinya2000@yahoo.com> Cc: "ke-users" <ke-internetusers@bdix.net> Date: Sunday, September 20, 2009, 7:13 AM Wesley and others I know of a fully developed system being used in Ghana and developed by locals there. Would you want to re-invent the wheel or is collaboration something you want to give a chance? I could link you guys up. Wire On Sat, 2009-09-19 at 07:38 -0700, wesley kirinya wrote: Hey, I'm still around. Yahoo seems to delay delivery of my emails, may be I should move to gmail... I'm aware of 2 companies that are building such a solution and 1 company that has already built it, and a group of developers from Coast who are planning on building it. I think it will be important to meet them and see what they have (in terms of the requirements I've listed below), what the revenue share structure is and any other important info. Below are my contributions: Problem definition: Refer to first email on this thread: Requirements: 1. Intergration in as many platforms as possible, but most important platforms for a start: Web browser, Mobile, PC/Mac Apps. 2. Open API for developers. 3. Secure: Secure trasmission of data, security of the client data, security of the server infrastructure (hardware and software). 4. Simple, predictable steps for client to make transactions. Simple registration. 5. Common look and feel of the payment UI across platforms in order to build confidence about the system in clients. E.g. a common logo. 6. Registered entity that takes responsibility of the system, customer support, ... 7. System should handle refunds or transaction rollbacks. 8. System should handle client sessions robustly. If client session is terminated, store data, and remind client when client does the next transaction. This seems simple at first but might not be so e.g: If client was subsribing for a service on mobile then battery died or something happened that caused client to go offline, then if client logged into web to use the payment system for a different product then client should be aware of the terminated mobile transaction. 9. Audit system to, among other things, keep track of un-used Serial numbers and the vendor with the serial numbers. 10. Regular back-up system and a sound disaster recovery plan. O_O --- On Thu, 9/17/09, Solomon Mburu <solo.mburu@gmail.com> wrote: From: Solomon Mburu <solo.mburu@gmail.com> Subject: Re: [Skunkworks] Let's build an Electronic Payment Solution! To: "Skunkworks forum" <skunkworks@lists.my.co.ke> Date: Thursday, September 17, 2009, 9:51 PM Although I've been silent on this one, I support Rad's unreservedly and go by his opinion. Then we will know who to make the PM etc!!! My little views 2009/9/17 Rad! <conradakunga@gmail.com> Hold your horses ladies and gentlemen. I think it is premature to start talking about coding and source forge and it is pretty clear everyone has not understood the problem differently! What about problem definition? Analysis? Functionality? Design? On Thu, Sep 17, 2009 at 4:29 PM, Dennis Kioko <dmbuvi@gmail.com> wrote:
i suggest we use source forge. what happened to wesley? has he been kidnapped?
On 17/09/2009, Clement Ongera <cnongera@gmail.com> wrote:
Suppose we start by having a plan:, Today we start by suggesting what it will be called(I propose pesaKe). then Chartflow 18th Feb(Watu wajitolee), Database Design:-20th(Watu Wajitolee) then next month we can start scripting, etc, etc... I believe skunkworks(Is there a structure like sourceforge in place for apps?) and/or sourceforge can host us. Any Takers?
Skunkworks mailing list Skunkworks@lists.my.co.ke http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks Other services @ http://my.co.ke Other lists ------------- Announce: http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks-announce Science: http://lists.my.co.ke/cgi-bin/mailman/listinfo/science kazi: http://lists.my.co.ke/cgi-bin/mailman/admin/kazi/general -- Solomon Mburu P.O. Box 19343 - 00202 Nairobi Cell: (+254-0) 735 431041 Man is a gregarious animal and enjoys agreement as cows will graze all the same way to the side of a hill! AND It is better to die in dignity than in the ignomity of ambiguous generosity! blog: http://desires-and-dreams.blogspot.com -----Inline Attachment Follows----- _______________________________________________ Skunkworks mailing list Skunkworks@lists.my.co.ke http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks Other services @ http://my.co.ke Other lists ------------- Announce: http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks-announce Science: http://lists.my.co.ke/cgi-bin/mailman/listinfo/science kazi: http://lists.my.co.ke/cgi-bin/mailman/admin/kazi/general __________________________________________________ Do You Yahoo!? Tired of spam? Yahoo! Mail has the best spam protection around http://mail.yahoo.com _______________________________________________ ke-internetusers mailing list ke-internetusers@bdix.net http://www.bdix.net/mailman/listinfo/ke-internetusers -- ********************* Wire Lunghabo James Linux Solutions Blog: http://www.computerworld.co.ug/blogs/wire-james => Share One Computer among 10 users working simultaneously <= => Reduce computer electricity bills by 60% <= => Lower your expenses on computer servicing by 50% <= => Significantly Reduce IT support costs <= **** Contact Linux Solutions today for the ideal solution **** "For Exceptional Services, Innovative and High quality Products" Office: +256-312-278767 Cell: +256-712-726609
Wesley, On Sun, Sep 20, 2009 at 11:41 AM, wesley kirinya <kiriinya2000@yahoo.com> wrote:
I know of 2 companies in that sort of business from Ghana. DreamOval, whose product is called iWallet. I've had the opportunity to work with one of their managers, Henry, and he's briefed me about their product. The other company is BSL. It seems to be founded by a Kenyan lady and a Ghanian AKA the 'Bill Gates of Ghana'. However from a lengthy article posted yesterday by a Skunker, it seems their operations are targeted at African merchants who want to sell to the diaspora.
o_O!
Quite frankly, I found the "Bill Gates of Africa" anectode stupifying African ICT intellect and innovation aspirations. The symbolisation represents a past era "Cathedral" business model while "the future is Open" and collaborative. I am inclined to consider those that subscribe to it as "clinging onto a past when the future beckons." What we need are incomparable, homegrown solutions successes, not trying too hard to imitate others nor 'feel too good', if at all, when compared as such. We have the power to read and write our own code, just need do it!:~)
LOL. I thought that title was taking it abit too far. I believe it's a news article that 'baptised' him. Some journalists tend to stretch stuff... Well, so long as it doesn't hurt him... 8~D --- On Sun, 9/20/09, Gakuru Alex <alexgakuru.lists@gmail.com> wrote: From: Gakuru Alex <alexgakuru.lists@gmail.com> Subject: Re: [Skunkworks] [ke-internetusers] Re: Let's build an Electronic Payment Solution! To: "Skunkworks Forum" <skunkworks@lists.my.co.ke> Cc: "Skunk Works" <skunkworks@my.co.ke>, "ke-users" <ke-internetusers@bdix.net> Date: Sunday, September 20, 2009, 12:29 PM Wesley, On Sun, Sep 20, 2009 at 11:41 AM, wesley kirinya <kiriinya2000@yahoo.com> wrote:
I know of 2 companies in that sort of business from Ghana. DreamOval, whose product is called iWallet. I've had the opportunity to work with one of their managers, Henry, and he's briefed me about their product. The other company is BSL. It seems to be founded by a Kenyan lady and a Ghanian AKA the 'Bill Gates of Ghana'. However from a lengthy article posted yesterday by a Skunker, it seems their operations are targeted at African merchants who want to sell to the diaspora.
o_O!
Quite frankly, I found the "Bill Gates of Africa" anectode stupifying African ICT intellect and innovation aspirations. The symbolisation represents a past era "Cathedral" business model while "the future is Open" and collaborative. I am inclined to consider those that subscribe to it as "clinging onto a past when the future beckons." What we need are incomparable, homegrown solutions successes, not trying too hard to imitate others nor 'feel too good', if at all, when compared as such. We have the power to read and write our own code, just need do it!:~) _______________________________________________ Skunkworks mailing list Skunkworks@lists.my.co.ke http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks Other services @ http://my.co.ke Other lists ------------- Announce: http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks-announce Science: http://lists.my.co.ke/cgi-bin/mailman/listinfo/science kazi: http://lists.my.co.ke/cgi-bin/mailman/admin/kazi/general
On Sun, Sep 20, 2009 at 2:35 PM, wesley kirinya <kiriinya2000@yahoo.com>wrote:
LOL. I thought that title was taking it abit too far. I believe it's a news article that 'baptised' him. Some journalists tend to stretch stuff... Well, so long as it doesn't hurt him...
8~D
Wesley, Have you accepted the proposal to be the PM? If so, arrange a meeting to discuss objectives and design specs. You can supervise the Java project while Conrad ( who brought up the payments system API topic in the first place) supervises the .Net project (or port). There are two issues / ideas - a Payment Gateway (API) and an App Store. The following lengthy comments have to do with building a Payment Gateway (Software or Service?) What kind of license should the project go with? GPL, MIT, BSD or ...? Whoever shows up for the meetings to discuss the design specs should vote on the license to be used. Those who are absent can forever hold their peace. Alex Gakuru can explain what these licenses mean . Will the project be software to be utilized by various Application Service Providers (meeting Banking Act physical security standards and regulations) or will it be a (Payment Gateway) service offered by one entity? Me thinks the project should be software offered to Application Service Providers (registered Legal entities). The community of developers can then provide support, installation, configuaration and maintenance services for the ASP's. Which major financial services are running on a FOSS DB? Please note this is not a social network so before Facebook and Twitter Yuppies ... E-Bay - Paypal uses Oracle DB Technology http://www.linkedin.com/pub/devadathan-gopinathan-unnithan/6/650/404 Maybe Google / Oracle can help with the Java side of the project and Microsoft can contribute to the .Net side of the project. (?? $$??) Cybersource / Authorize.Net possibly the biggest payment gateway in the USA uses MS SQL Technology. http://www.linkedin.com/pub/tjay-belt/0/636/1b6 Contacted Cybersource over 15 months ago. They replied but failed to say anything about setting up a payment gateway here. All the more reason why like the Chinese, we need to build our own payment gateway software / solutions for domestic internet services. http://www.ivanwalsh.com/2009/07/alipay-overtakes-paypal-as-the-worlds-bigge... Registering a society or whatever to build this software or service MUST come into play now. There will obviously be divisions (software and service forks) but we have to start somewhere. Market (and possibly government) forces will eventually lead to consolidation. Someone from VISA International could attend to educate us more about issues concerning payment gateways. How many of us use credit cards outside major sites like Amazon.com? Will we need PoS (client) software or hardware or whatever to make fraud more difficult? There was a meeting last Saturday at the Alliance Francaise (French Cultural Center - Jardin de Paris Cafe) with PS Ndemo, Seacom, KDN and Mworia (African Pixel). The setting and timing (1.30 pm to 4.30pm) seemed quite appropriate for more serious types. Me thinks it is a great place to meet though attendees should be ready to spend something for juice or coffee. MM
There is also the open source e commerce app OScommerce which we can built upon in case we decide to do our own. On 20/09/2009, Murigi Muraya <mmskunkworks@gmail.com> wrote:
On Sun, Sep 20, 2009 at 2:35 PM, wesley kirinya <kiriinya2000@yahoo.com>wrote:
LOL. I thought that title was taking it abit too far. I believe it's a news article that 'baptised' him. Some journalists tend to stretch stuff... Well, so long as it doesn't hurt him...
8~D
Wesley,
Have you accepted the proposal to be the PM? If so, arrange a meeting to discuss objectives and design specs. You can supervise the Java project while Conrad ( who brought up the payments system API topic in the first place) supervises the .Net project (or port).
There are two issues / ideas - a Payment Gateway (API) and an App Store. The following lengthy comments have to do with building a Payment Gateway (Software or Service?)
What kind of license should the project go with? GPL, MIT, BSD or ...? Whoever shows up for the meetings to discuss the design specs should vote on the license to be used. Those who are absent can forever hold their peace. Alex Gakuru can explain what these licenses mean .
Will the project be software to be utilized by various Application Service Providers (meeting Banking Act physical security standards and regulations) or will it be a (Payment Gateway) service offered by one entity? Me thinks the project should be software offered to Application Service Providers (registered Legal entities). The community of developers can then provide support, installation, configuaration and maintenance services for the ASP's.
Which major financial services are running on a FOSS DB? Please note this is not a social network so before Facebook and Twitter Yuppies ...
E-Bay - Paypal uses Oracle DB Technology http://www.linkedin.com/pub/devadathan-gopinathan-unnithan/6/650/404
Maybe Google / Oracle can help with the Java side of the project and Microsoft can contribute to the .Net side of the project. (?? $$??)
Cybersource / Authorize.Net possibly the biggest payment gateway in the USA uses MS SQL Technology. http://www.linkedin.com/pub/tjay-belt/0/636/1b6
Contacted Cybersource over 15 months ago. They replied but failed to say anything about setting up a payment gateway here. All the more reason why like the Chinese, we need to build our own payment gateway software / solutions for domestic internet services. http://www.ivanwalsh.com/2009/07/alipay-overtakes-paypal-as-the-worlds-bigge...
Registering a society or whatever to build this software or service MUST come into play now. There will obviously be divisions (software and service forks) but we have to start somewhere. Market (and possibly government) forces will eventually lead to consolidation.
Someone from VISA International could attend to educate us more about issues concerning payment gateways. How many of us use credit cards outside major sites like Amazon.com? Will we need PoS (client) software or hardware or whatever to make fraud more difficult?
There was a meeting last Saturday at the Alliance Francaise (French Cultural Center - Jardin de Paris Cafe) with PS Ndemo, Seacom, KDN and Mworia (African Pixel). The setting and timing (1.30 pm to 4.30pm) seemed quite appropriate for more serious types. Me thinks it is a great place to meet though attendees should be ready to spend something for juice or coffee.
MM
-- with Regards: Kazi kwa vijana and other idiots, all at my blog: http://gramware.blogspot.com
On Mon, Sep 21, 2009 at 10:47 AM, Dennis Kioko <dmbuvi@gmail.com> wrote:
There is also the open source e commerce app OScommerce which we can built upon in case we decide to do our own.
OScommerce should be a shopping cart application if I'm not wrong and will work with available payment gateways like the one being discussed here.There are numerous available to achieve this and carts are not a main bother now.I stand to be corrected though. All in all a locally developed Online Payment App. is the way to go provided all international standards are adhered to. If not where will Africa and specifically Kenya feature in all the global innovation and creativity.We claim to have the minds to match the West and the East but we always run back to them to perform simple tasks in our own community. Who can explain why our roads are still constructed by the Chinese. Juzi I saw a Chinese guy screw and setup some traffic light along Uhuru Ave. - Mombasa Road.What are the Kenyan institutions and Enterprises supposed to be training and delivering ??? Who knows, with a good payment app. it might be big enough for OSCommerce to prebuild its core in their future releases.Let all who can contribute to the life of this Payment Solution put their best effort and openness for this is an application that will change Trade and Info Tech in Kenya and all over. Really keen on how this goes.Let it not be just another big ambitious discussion that dies within the list!!! Thanks, Chris_w. dabnix@gmail.com
On 20/09/2009, Murigi Muraya <mmskunkworks@gmail.com> wrote:
On Sun, Sep 20, 2009 at 2:35 PM, wesley kirinya <kiriinya2000@yahoo.com>wrote:
LOL. I thought that title was taking it abit too far. I believe it's a news article that 'baptised' him. Some journalists tend to stretch stuff... Well, so long as it doesn't hurt him...
8~D
Wesley,
Have you accepted the proposal to be the PM? If so, arrange a meeting to discuss objectives and design specs. You can supervise the Java project while Conrad ( who brought up the payments system API topic in the first place) supervises the .Net project (or port).
There are two issues / ideas - a Payment Gateway (API) and an App Store. The following lengthy comments have to do with building a Payment Gateway (Software or Service?)
What kind of license should the project go with? GPL, MIT, BSD or ...? Whoever shows up for the meetings to discuss the design specs should vote on the license to be used. Those who are absent can forever hold their peace. Alex Gakuru can explain what these licenses mean .
Will the project be software to be utilized by various Application Service Providers (meeting Banking Act physical security standards and regulations) or will it be a (Payment Gateway) service offered by one entity? Me thinks the project should be software offered to Application Service Providers (registered Legal entities). The community of developers can then provide support, installation, configuaration and maintenance services for the ASP's.
Which major financial services are running on a FOSS DB? Please note this is not a social network so before Facebook and Twitter Yuppies ...
E-Bay - Paypal uses Oracle DB Technology http://www.linkedin.com/pub/devadathan-gopinathan-unnithan/6/650/404
Maybe Google / Oracle can help with the Java side of the project and Microsoft can contribute to the .Net side of the project. (?? $$??)
Cybersource / Authorize.Net possibly the biggest payment gateway in the USA uses MS SQL Technology. http://www.linkedin.com/pub/tjay-belt/0/636/1b6
Contacted Cybersource over 15 months ago. They replied but failed to say anything about setting up a payment gateway here. All the more reason why like the Chinese, we need to build our own payment gateway software / solutions for domestic internet services.
http://www.ivanwalsh.com/2009/07/alipay-overtakes-paypal-as-the-worlds-bigge...
Registering a society or whatever to build this software or service MUST come into play now. There will obviously be divisions (software and service forks) but we
have
to start somewhere. Market (and possibly government) forces will eventually lead to consolidation.
Someone from VISA International could attend to educate us more about issues concerning payment gateways. How many of us use credit cards outside major sites like Amazon.com? Will we need PoS (client) software or hardware or whatever to make fraud more difficult?
There was a meeting last Saturday at the Alliance Francaise (French Cultural Center - Jardin de Paris Cafe) with PS Ndemo, Seacom, KDN and Mworia (African Pixel). The setting and timing (1.30 pm to 4.30pm) seemed quite appropriate for more serious types. Me thinks it is a great place to meet though attendees should be ready to spend something for juice or coffee.
MM
-- with Regards:
Kazi kwa vijana and other idiots, all at my blog: http://gramware.blogspot.com _______________________________________________ Skunkworks mailing list Skunkworks@lists.my.co.ke http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks Other services @ http://my.co.ke Other lists ------------- Announce: http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks-announce Science: http://lists.my.co.ke/cgi-bin/mailman/listinfo/science kazi: http://lists.my.co.ke/cgi-bin/mailman/admin/kazi/general
Interested. I suggest we have a meeting for the interested guys and agree on the way forward
participants (6)
-
Chris W. -
Dennis Kioko -
Gakuru Alex -
James Mutuku -
Murigi Muraya -
wesley kirinya