Archive for January, 2012

Another year! Maybe it’s your turn?

Tuesday, January 24th, 2012

As often happens at the start of the year, well at the start of the Chinese New Year in this case…we take a look back at what we did in the past. This year I decided to take a look at the very first blog post I did almost 6 years ago and see if the reason I started the blog in the first place still has meaning.

Back then I wrote, “Most information on outsourcing, books written lately, magazine articles and blogs have been geared towards larger companies. On one hand this is great, it is great to learn from the big guys who have been doing this a while. On the other hand, it leads to a lot of discussion on areas that may not be applicable for a smaller firm who needs 2, 3 or 15 persons offshore, not hundreds.”   The idea behind the blog was to provide information to entrepreneurs with new company ideas, or smaller firms who would have smaller teams of software engineers.  I emphasized the objective with the tag line, “Outsourcing is not just for the big guys!”

In order to determine if this topic was still relevant, one of the things I looked at was what Softjourn’s clients have told us over the years.  Six years ago the quote from one of our start-up clients was, “My fears and concerns (with offshoring) where alleviated by having a local contact who was not just relaying information back and forth but who seemed to understand that he needed to have a firm grasp of my goals before assigning the work overseas. Every attempt has been made to provide an excellent product. Issues were addressed promptly and through the entire process I felt that I had a partner not a contractor.” So clearly there is concern over the location and the distance.

A more recent quote from a client looks like this, “It was great to find someone to work with us as a collaborative partner. We have never done this before so sometimes we didn’t know what we were asking for and we were figuring things out as we went along. When you’re creating something totally new it is absolutely necessary to have a partner offer suggestions, be proactive, and think 3 steps ahead instead of merely executing what we said. I can’t thank you enough!” Obviously more recently, there is less emphasis on where the people are, and more on how they can be an effective partner and assist in getting a company, or a new service, up and running.

When I first started this blog, it was less common for smaller companies to want to work with remote teams of software engineers. Start-ups especially though, we are working too fast, how can we work remotely? Now, however, it is expected that start-ups will work with remote teams; it is considered basically obligatory. It is also more and more common for smaller companies to have team members all over the world. But with the move to more global teams, there still comes the challenges such as: managing time differences, collaborating with individuals in multiple locations, making sure everyone is on the same page, managing different sets of goals, and so on. This blog has always been about helping start-ups get their businesses launched and helping small and medium sized businesses add new services and improve on their current ones.  Going forward I will be placing increasing emphasis on helping these same companies overcome the challenges they are facing while trying to grow their businesses with global teams, after all, “Global teams are not just for the big guys”!

Is Open Source Software Safe For Online Payment Processing Solutions?

Tuesday, January 17th, 2012

When eWeek released a slideshow entitled “Ten Reasons Not To Buy Open Source”, the presentation was quickly refuted in another eWeek article, knocking down every point that argued against open source software.

Point number one in the counter presentation: open source software is safe – safer than proprietary solutions, such as Microsoft, which are often rife with security loopholes (noting of course that it does depend a lot on how the application is built).

Hundreds of security and financial transaction applications have been built using open source development tools and frameworks, and supported by open source operating systems, application servers and web servers.

Modern, cost-effective online payment processing solutions for merchants

Case-in-point: startup company Noca, a California-based firm, has developed an innovative online payment processing solution that enables merchants to start accepting payments online right away and avoid the high fees of credit and debit card processing systems by offering a new type of electronic checking solution.

Offering near instantaneous approvals of merchant accounts, the Noca system avoids the pitfalls of traditional e-check systems by offering identify and account verification services as an online, in stream process.

This is ideal for merchants who were previously skittish about using an electronic checking system due to the inability to automatically and instantaneously verify a payer’s identity.

Help developing a testing environment

To get their new service off the ground, Noca needed to develop a comprehensive testing environment to allow potential merchant customers to test out the system before committing to the service.

The project required deep knowledge of several open source development tools and frameworks, and detailed coordination of several intricate pieces that comprised the complete system.

For example, Noca needed to:

  • Develop and integrate credit card processing
  • Develop a plug-in for Ubercart ecommerce shopping cart
  • Set up complex email processes, with specific event handlers using an upgraded email system
  • Improve their notification system
  • Modify their marketplace functionality
  • Develop security features such as the use of PIN numbers

Noca decided to turn to Softjourn, which specializes in developing financial transaction applications, front-end development, and open-source software.

Complete secure open source solution

Using tools such as an open source application server, Dojo and Eclipse development frameworks, Drools business rules management system, and other open source web service frameworks, Softjourn developed a complete testing environment for Noca.

Noca’s CEO PJ Gupta was so pleased with the work our partner did they decided to extend their assignment to work on core payment processing applications.

“I have been very pleased with the work that Softjourn has done to assist us in getting our testing environment in place for our clients, and I look forward to continue to work with the team!” Said Gupta.

So is open source secure?

Though it sounds counter-intuitive, having hundreds if not thousands of developers worldwide helping to make open source development tools and platforms secure makes open source a more viable solution than proprietary technologies.

cutting-edge online payment processing company Noca is betting its whole business model on open source software.

But if you want to build your financial application with open source software, and get it right the first time, contact Accelerance, and we can arrange for an interview with Softjourn who specializes in developing open source financial applications for some of the most demanding financial services firms today.

How To Build A Payment Processing Application For The Unbanked

Thursday, January 12th, 2012

According to a recent study by the Federal Reserve over 7 % or about 1 in 13 American households does not use a checking or savings account, and over a quarter of households rely regularly on “alternative financial services” like payday lenders or pawn shops.

Shocking statistics? Maybe. But it is a great business opportunity for savvy financial services firms who want to make life easier for employers who hire unbanked employees.

Firms such as an Atlanta, Georgia-based PayPartners which offers large companies the ability to pay their employees with pre-loaded debit cards are one such company

PayPartners provides unbanked employees with a safe and inexpensive alternative to check-cashing firms and pawn shops, who often charge between 1 and 6 percent of the face value of a paycheck, in order to cash it.

Additionally, PayPartners provides debit cards so companies can reimburse employees for travel and expenses, and incentive payment cards so employers can reward their employees for contests or meeting company goals.

Building a complete solution: credit card processing, international payments and customer self-service

PayPartners needed to build a complete solution that not only included credit card processing, but also enabled employers to make international payments and cut customer service costs.

Several years back, Pay Partners turned to Softjourn to help them continually develop and support their solution.

Softjourn helped PayPartners build a system that enables employers to issue, re-issue, and move monies in real time, provide role-based access to information, provide real-time reporting capabilities, and enable employees to enroll for their service online.

Financial applications and user interface design: the ideal combination

PayPartners chose Softjourn because of their extensive financial expertise, such as knowledge of credit card processing, online payment processing, and international money transfers.

However, they also needed a firm with the front-end experience to build a self-service portal that both employees and employers could use, cutting customer service costs. Softjourn fit the bill.

PayPartners CEO Ryan Powers stated: “The work …. done to this point has helped us streamline our operations and has eliminated the need for us to hire customer service reps….we were able to extend more control to our clients which allows them to better manage their payment process.”

Enabling international payments

PayPartners needed to issue international cards for companies with overseas employees. They also had to replace the Lynk processing system with the i2C and Transcard processors.  Softjourn assigned a two-person team to help them with this successful move.

Check Authentication

In early 2011, PayPartners took a major step forward in the market of cash and checks. For persons who have traditional bank accounts, when they cash different types of checks, depending on the type of check, the funds will be “provisionally” available only, and if the check bounces the funds will be reversed. Because of the risk of many checks such as handwritten payroll checks or two-party checks, it is often difficult for unbanked persons to be able to cash those checks. There is no option for an unbanked person to have funds “provisionally” available.

To help alleviate this problem, PayPartners developed a new BranchOffice solution for check cashers (retail banks initially).  As part of this solution PayPartner’s existing Back Office (BO) service was integrated with CHEXAR®’s check cashing and guarantee solution which lets check cashers safely cash over 20 types of checks, the types of checks which are often difficult for unbanked persons to cash.

CHEXAR is the national leader for technology and solutions that enable clients to cash any check and provide  unbanked customers the option to receive cash for the check and/or load that cash on to a card, such as PayPartners Prepaid Card.

As part of the integration with Chexar, the following functionality was included in the new BranchOffice solution; check verification, online chat, risk management evaluation and immediate card deposit. This new PayPartners’ BranchOffice solution lets bank departments or financial organizations work with customer’s checks in banks, stores, etc.

Since BranchOffice is to be deployed in financial institutions, it was necessary to add additional risk mitigation and ID verification features to meet financial institution’s compliance requirements. These requirements include giving FI’s the ability to control and set users limits such as: maximum number of checks that can be cashed in one day, maximum total amount of checks that can be cashed in one day, maximum single check amount to be cashed, etc.

Chexar’s system will allow clients using BranchOffice to validate the authenticity of a check and to perform any required compliance verification such as OFAC and CIP on the customer. Each financial institution will determine what forms of identification will be accepted. The customer will have the option of having all of the value of the check (minus the check cashing fee) converted to cash or having all, or some, of the value of the check deposited to a prepaid card (minus any applicable fees).

Check scanning was enabled using a scanner and software from ScanShell which reads the MICR line on the check.  The check amount is entered manually by the operator.  Since PayPartners’ BO works under Linux/Apache and the scanner software uses Windows drivers, Softjourn integrated the two using Active-X components.  According to Yuriy Kropelnytsky, Sr. Developer and Project Lead for Pay Partners, “I was very glad to work with people which considered me not just a third party programmer. I felt like a full member of the PP team and was able to make my own decisions and come up with creative solutions for the service and features PP wanted to provide.”

Technologies used:

The complete system, including the credit card processing, full payment life-cycle, reporting, roles-based access, and self-service portal was built on the Ubuntu operating system using PHP, Javascript, HTML, XML and C++ on a PostgresSQL database and AJAX development tools.

Next Steps

In today’s web savvy world, even the non-banked have access to the Internet, through inexpensive home computers or through the new generation of web-enabled smartphones.

Finding a development firm that combines deep expertise developing financial applications, such as credit card processing, online payment processing, international money transfers, and mobile banking is hard enough.

Finding a firm with financial expertise and user interface design experience for the web is a rare bonus.

Contact Softjourn for more information on how we can help you build a financial application for the web.

Barcode Scanner Development

Tuesday, January 10th, 2012

When one of our customers, a Box Office Ticketing Company, approached us about developing a barcode reader for the iPod Touch, we partnered with Infinite Peripherals to develop the device. Using just an iPod Touch and a Linea-Pro Scanner from Infinite Peripherals, the solution allows quick ticket scanning at concerts and events.

A number of events (think of sporting events or a concert tour) use online and printed ticketing solutions that require a venue to accept tickets in multiple, changing locations. Developing a barcode scanner for an iPod Touch opened up a whole new world of possibilities for our customer.  By taking advantage of mobile devices, our customer introduced a new level of convenience to both event goers and venue employees checking tickets at the door, and not to mention they added the “cool” factor to the ticket taking process.

During development, we broke down the project into two phases:

Phase One: The user experience + ticketing software integration:

We developed the main functionality of the barcode scanning app which included having a master list of events with the dates of performances, scanning for a selected event, and programming scan in/scan out options (which included data displays alerting ticket takers to VIPs, groups and those with special needs).

Phase One also included the development of the web services, enabling the interaction between the mobile app and the client’s main ticketing solution.

Phase Two: Additional functionality:

In the second phase, our programmers expanded the basic functionality of the device from manual scanning alone to offer new search features, such as searching by name in the case of a group ticket purchase and searching by order or ticket number.

The search function also lets a ticket taker search via a credit card number, enabling customers to simply swipe their credit card in order to be let in to an event, rather than having to show a ticket.

Each new layer of functionality added to the value we brought to our customer and more importantly to the value they brought to their customers.

Using iPhone OS, Objective C programming language, Cocoa Touch Framework and SOAP web service, the new barcode scanning app exceeded all of our customers’ needs.  It provided the necessary access at mobile venues and went on to provide detailed information to event ticket takers in the form of a compact, easily usable and fun device. To see the scanner in action, check out our partner’s website here!

Let us help you with your next mobile app development project.  You can learn more about our services here.