Instructions: From tonight’s speakers (Dr. Savel and Praveen Alavilli), choose one and do a blog post on the talk. Only a couple paragraphs on an item you did not know before, something that caught your interest or answers to your questions that you had prepared.
Discussing Praveen Alavilli’s presentation:
Per the x.com Web site, X.commerce, an eBay Inc. company, has launched a technology platform to help solve the commerce-related challenges faced by businesses of all sizes. This platform, also called the Fabric, brings together a comprehensive set of commerce-related capabilities and solutions to help business of all sizes, compete and grow.
I asked about the security of a customer’s check loaded through the PayPal app onto the vendor’s smart phone. Praveen said there was encryption when the check was received which could only be decrypted when the information arrived at PayPal. He said this was true of any of the transactions made through PayPal: Data is encrypted when it enters the device which only PayPal can decrypt.
Some topics he covered that I found interesting:
- Praveen said he built the actual login for Amazon.
- PayPal is not available on Amazon. PayPal used to be a payment option on Amazon until Ebay bought PayPal.
- The most challenging issue for PayPal is the emerging technology in mobile devices–fragmentations and security issues come into play. PayPal works with computers using https for security. With mobile space, it’s hard to evaluate each platform and constant changes. Also, PayPal has to consider backward integration with many banks, all with their own technology for processing payments.
- Question about third party security systems vs. using their own system: PayPal uses its own security system. And security is on both sides–the seller side and the consumer side.
- PayPal is different from Google Wallet which relies on NFC (RFID) where devices need to be within 5 cm to communicate. Praveen said if not NFC, then what technology is being used? He said geolocation with accuracy up to 5 meters. Also, geofencing put boundaries around geolocation. PayPal is based on phones and an email address, BUT both parties DON’T need to be connected at the same time.
- PayPal is constantly updating its fraud models. Challenges with fraud models in the past: False alarms causing money to be placed on hold with the grey area impacting legitimate transactions. Interestingly, Praveen said that with regard to hacking, almost all attempts to hack PayPal have been unsuccessful. Contributions to standards (w3c). PayPal is getting involved in establishing these standards.
- The medici effect. Talks about innovation. Intersectional innovations vs directional innovation: Directional->1.2 to 1.3 to 1.4. Intersectional: 2 different things coming together to create something different.
- PCI compliance—A merchant of any size accepting credit cards, must be in compliance with PCI Security Council standards. It takes 6 to 8 months to get certified and requires recertification on a yearly basis.
- The Ticket industry works on Chained payments.
- Freemium models: A product or service (typically a digital offering such as software, media, games or web services) is provided free of charge, but a premium is charged for advanced features, functionality, or virtual goods. VS. Causium models: Instead of an entry level product that is free with commercial upgrades (classic freemium), causium merges it with a charitable donation. (Like add one dollar with purchase to donate to
March of Dimes.
Dr. Savel: www.cdc.gov/osels/leadership/bios/savel.html
- Informatics-everything to do w/ the tech for medical
- Public Health Informatics is a subset of biomedical informatics
Dr. Savel is working to bring today’s technologies together with the medical field. Good comment: It’s less expensive to rework mockups than rework code.
Speaker Information (listed for future reference)
Dr. Thomas Savel Contact:
twitter: @tomsavel or @CDC_PHIRDL
Any questions for Tom use his twitter and for the lab in general use the CDC_PHIRDL.
Dr. Savel will be joining us and discussing the CDCs efforts in the mobile and web space. The research lab that Dr. Savel runs is responsible for the application of technology to new initiatives at CDC and their viability through prototyping and application creation.
Twitter Feed – https://twitter.com/CDC_PHIRDL
Praveen Alavilli Contact: firstname.lastname@example.org
Praveen Alavilli will be calling in remotely and discussing where PayPal has been, what PayPal is launching and web/mobile topics. Praveen is tech and dev tools evangelist for x.com.
x.com – APIs / developer area
PayPal Here – https://www.paypal.com/webapps/mpp/credit-card-reader
Inc. review of paypal here –