0. denumiri si prea generale ict

Synopsis: 1.1. banale ict: 0. denumiri si prea generale ict:

impactlab_2010 02830.txt

#Two months after Paypal opened its platform, 15,000 developers had used it to create new payment services The banks

and credit card companies have spent 50 years building a proprietary, locked-down system that handles roughly $2 trillion in credit card transactions and another $1. 3 trillion in debit card transactions

Iveys wife, using her pink RAZR phone, sent him a note via Twitter. But instead of typing the letter d at the beginning of the tweet

Ivey, a computer programmer based in Alabama, began wondering if he and his wife hadnt hit on something:

For the most part, its powers were confined to ebay, the online auction company that purchased Paypal in 2002.

But last summer, Paypal began giving a small group of developers access to its code,

which has received funding from Nokia, allows phone owners to transfer money to one another with nothing more than a PIN.

Amazon com and Google are both distributing their shopping cart technologies across the Internet, letting even the lowliest etailers process credit cards for less than the old price cutting out middlemen,

And last March, Apple gave itunes developers the ability to charge subscription fees through their applications

making itunes the gateway for an entirely new breed of transaction. When Research in motion announced a similar initiative last fall at a session of the Blackberry Developer Conference in San francisco,

programmers crowded the room, spilling out into the hallway. About 20 percent of all online transactions now take place over so-called alternative payment systems, according to consulting firm Javelin Strategy and Research.

It expects that number to grow to nearly 30 percent in just three years. But perhaps nobody is as ambitious as Paypal.

15,000 developers had used it to create new payment services, sending $15 million through the companys pipes.

Software developer Big in Japan, whose Shopsavvy program lets people find an items cheapest price by scanning its barcode,

used Paypal to add a oequick pay button to its app. Liveops, a call-center outsourcing firm, built a tool that streamlined payments to its operators, turning

Google created a platform that lets anyone buy or display online advertisements. Facebook allows any developer to write applications for its social network

and Apple does the same with its itunes App store. Amazons Web Services provides developers the cloud-based processing power

and storage space they need to build applications and services. Now Paypal has brought this same spirit of innovation and experimentation to the world of payments.

Your wallet may never be the same. The banks and credit card companies have spent 50 years building a proprietary, locked-down system that handles roughly $2 trillion in credit card transactions and another $1. 3 trillion in debit card

Mitchell Wolfe, an ecommerce veteran who ran Compaqs Canadian Internet sales team before moving on to a series of startups,

Apples itunes and Research in motions payments program reduce transaction fees by bundling a customers purchases before sending them to a credit card company for processing.

Virtual currencies, from Microsoft Points to Linden Dollars, encourage oein-world trade, incurring credit card and banking fees only when their users buy in.

when it was purchased by ebay for $1. 5 billion. Suddenly the service, always a favored payment method on the site

Between 2005 and 2008, Paypal went from serving as the payment provider for 47 percent of ebay auctions to facilitating more than 60 percent (ebay expects it to hit around 75 percent by 2011.

as long as ebay was growing. But in CEO Meg Whitmans last years at the companys helm,

Users dragged Paypal onto ebay in the first place. The company had resisted initially the move. Other users cobbled together Paypal-enabled oetip jars,

embraced its developers, and turned its service into a platform? What if Paypal asked its users to create the tools

you cant just let developers come in here and open accounts and move money around, he says.

whether developers would play along. So in late 2007, he started on a road trip to meet with the people who were already building on Paypals limited open code.

He met with more than 100 developers most of whom were eager to help build an easier, more flexible system.

The developers envisioned something larger, a true digital currency that could be used on any Web site,

In April 2008, Bedier led a meeting at ebays North First street headquarters, where he presented his idea to CEO John Donahoe and his lieutenants.

Most of the information is already available there are plenty of databases that provide real-time pricing information,