Ask any ‘type of person’ ‘your question’ exchange plugin.

Forums always have been big. It the online enabler for platform communication. I tend to believe that all great things online started out as fora. When it succeeded to build communication and a community around it, the potential was huge. Off course the ask-answer platforms evolved over time. From obscure topical forums over blogs to the Quora‘s of today. I don’t think this idea is revolutionary but could work additionally to the existing question/answers communities with a separate business model.

When you have people with questions, they look for answers. What if you provide answers in case one doesn’t want to search. Or the question is too difficult to be found in the myriad of the web? Any person can just ask their question while paying two cents. Any person that answers the question, and its answer gets approved receives 1ct. One can cash out at 1 euro, use it to post their questions or change them into miles and more.

The challenge is in the profiling of the people so the API will plug into existing networks like LinkedIn. By positioning itself as a plugin (cfr. Disqus), it connects human knowledge and facilitates a human p2p network on top of existing networks and services.

 

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(Google) Talking Thoughts

Dunno whether Google is the right organisation for this idea but they’re certainly crazy enough to create it and put it in some kind of alpha experiment.

Talking Thoughts is an idea in which everything you say out loud gets recorded so you can make plans, resumés, to do lists, meeting minutes, appointments,… anytime, anywhere, on the go and on purpose, via voice commands (start now, last ten minutes,…). It can be build as an extension of current technologies such as google glass or the smartwatch, or it can be launched as a stand-alone connected device (pin, badge) that seamlessly works with a web service accessible via mobile and desktop.

The goal of Talking Thoughts is to facilitate thoughts into concrete actions by simply expressing them.

iWILLvault.

What happens with your digital self after you die? It’s a very valid question. I have thousands of online services I use(d once) and I have no idea what will happen with those after I die. Therefor an idea that will solve that.

iWILLvault’s goal is to provide a safe haven for your will, all your online identities, services and passwords. In your will, you can state what needs to happen with this after you die. The service needs to be accessed periodically to remain active until the people you assigned your iWILLvault open will receive a message from you in heaven and can read what to do with everything when you’re dead.

An obvious partnership with lastpass or 1password can enlarge the potential of the iWILLvault service. There is a very small fee per month to keep on using the iWILLvault service.

NoMoreFraud.org, an e-commerce fraude detection service and insurance. #oipd

I am the owner of the feelgood brand for pregnant women ZOYOKO.com that offers designer maternity wear of the highest quality from a large variety of suppliers. We use Atos Worldline and Ogone for our online payments but in all fairness, they suck bigtime for vendors because they only protect the customer. In November we had a good sale for almost 900 EUR. As the credit card was Japanese and used in Greece, we waited for shipping the goods until the amount was registered in our bank account. We shipped the same day and a couple of days later the goods were delivered at the address requested.

In december, we got the request from ATOS to provide them with proof that we authorised the fraudulent payment and requested the payment back. We acted in good faith (we have regularly expats buying) and as we pay Ogone a monthly fee of 10 EUR + 0.3% of the total revenue on top of the normal fees for fraude detection. I was really upset when they told us WE should configure the module ourselves and that it is no guarantee it will detect fraude. It can only assume there is a higher risk of fraud involved… When they told us we should contact every customer whereby the ‘lights’ are orange (>75% of the cases…) and ask them to pay by bank transfer, I felt deceived. So not only do they not take any responsibility, they just make you pay without asking or delivering a service worth the price.

From my frustration I got the following idea. A Mollom-like fraude detection service and insurance in case it goes wrong.

What’s a Mollom like service, i hear you think? Well, it uses the wisdom of the crowds not only to detect but prevent misuse of spam comments on (blog/)websites. By offering it for free to small sites, it gets the adoption it requires to grow its knowledge base. Also, it has a build-in robot detection step 2 authentication in case of doubt wherein real people can enter a captcha to proof they’re human.

So the NoMoreFraud pitch is the following;

NoMoreFraud facilitates and guarantees payments on websites while blocking fraude. The service is in direct contact with Card Stop services around the world, it automatically blocks any payment instantly when it knows a credit or bank card is used falsely. Basically it aggregates all blocked bank and credit cards in the world instantly, so both vendors as well as customers are protected better against fraudulent use of stolen or lost cards.

The service works in close collaboration with authorities around the world to catch the thieves who (try to) use the credit card.

On top of pay per use fee (0,1% of the transaction cost), you can get extra insurance in different formulas (1 EUR per month for up to 1.000 EUR value, 10 EUR per month for up to 10.000 EUR value, …) but normally, over time this insurance should become obsolete.