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May 04, 2018, 05:41:27 PM |
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Our platform is based in 4 levels:
Level 0:
Blockchain: is the base for the exchange of tokens operates under the ethereum network as an ERC20 contract. It is our way of exchange with other currencies among peer-to-peer decentralized users.
Level 1:
Switch: the switch comprises systems of database and logic of the business as an app server. Handles and centralizes the MBYZ accounts of the users, handles payments, loans and controls the auditing.
Level 2:
This level comprises the backend for web and api applications as well as for the POS. The Backend constitutes an API that will be based in REST. The API is in charge of making the interface with the different clients at the web and mobile apps. The API will be public and documented so that other developers could implement functionalities of payment in their platforms. There will exist another backend in charge of making interface with the points of sale (POS).
The backend also includes the aspects of authentication, authorization, audit and invoicing. Additionally it is the responsibility of the logics of the coupons and announcements.
Level 3:
These are the different clients as apps in Android and IOS. There will also be considered systems developed by third parties using our API or buttons of payment.
Subsystems
Switch
The switch is the system in charge of taking all the accounts of the users. It performs operations at low level. The complexity of these transactions is masked with amicable interfaces in the frontend. Some of the possible transactions performed by the switch are:
• Transfer among users: internally the transfers among users are instantaneous. This type of operation is the one needed to then establish tools of payment and point of sale.
• Withdrawals/Deposits from the blockchain: Permits to withdraw the internal account to a portfolio in the blockchain or in the contrary to deposit from the blockchain.
• Transfers with hold: it is a type of special transfer where the payer and receiver agree on a scheme of progressive or total liberation of the funds.
• Validated Transfers: these are transfers where both parties choose one validator. The validator through an API decides at its discretion when to release the funds or if on the contrary those must be returned to the payer reintegrating them to the payer. This type of transaction is fully configurable permitting limit times, amounts and forms of disbursement/reimbursement and including the possibility that on agreement both parties can select an off number of validators to develop complex models of validation.
• Periodical Transactions
• Automatic Collection
Backend
As previously described the backend is a series of programs that control all the logic of the business different than the financial and make interface with other subsystems.
Security
This subsystem is in charge if the authentication of the users, restrict or authorize the use of resources and transactions; and to take different auditable traces of all the processes. Additionally will have systems de prevention of fraud and proactive alerts.
Promotions
This system comprises all the logic of promotions of the platform. It permits to third parties to develop promotion campaigns to show in the APP and in the web. Such as coupons, geo localized advertising, among others. The users could segment with different demographic parameters such as age, sex, socioeconomic indicators and interests always taking into account the privacy from the users.
Users
The system stores all the information of the users, their characteristics and movements in the system. Through technologies of big data maintain anonymous data of each one to be used in promotions.
Transactions
This system makes interface with the switch to do transactions of exchange between users providers and recipients.
Invoicing
Comprises all the invoicing of promotions, commissions for use of advanced characteristics and other forms of income of the platform.
Exchange
This unit is the responsible of exchange operations of tokens for other cryptocurrencies or fiat using the API of the different exchanges available. Decentralized Anonymous Exchanges could be used to exchange tokens for other cryptocurrencies.
Reports
Through Business Intelligence (BI) systems and analysis of big data, offers detailed reports of all the operation.
Backend POS
This backend is an interface between the points of sale and the switch.
Frontend
Web App
It is a whole site with the basic and advanced functionalities of the platform. It Permits the user to register, make operations, review his record, among others.
IOS/Android App
An application that permits the user similar functionalities to the web app but from his Smartphone. There will exist two versions, one for general users and the other one specialized for the point of sale. The version of points of sales will have advanced security options and their interface will be similar to the one of a cash register.
Payment Button
It is a software very compact to be incorporated in the web pages and to be used to capture payments on MBYZ.
API for third parties
This permits a developer to add the facilities of capture of payments for his own programs: web, services running in the cloud, mobile apps or desk applications.
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