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Alipay

Alipay (simplified Chinese: 支付宝; traditional Chinese: 支付寶; pinyin: zhīfùbǎo) is a third-party mobile and online payment platform, established in Hangzhou, China, in February 2004 by Alibaba Group and its founder Jack Ma. In 2015, Alipay moved its headquarters to Pudong, Shanghai, although its parent company Ant Financial remains Hangzhou-based. Alipay overtook PayPal as the world's largest mobile (digital) payment platform in 2013. As of June 2020, Alipay serves over 1.3 billion users and 80 million merchants. According to the statistics of the fourth quarter of 2018, Alipay has a 55.32% share of the third-party payment market in mainland China, and it continues to grow. Along with WeChat, Alipay has been described to be China's super-app with a wide range of functionalities including ridesharing, travel booking and medical appointments. == History == The service was first launched in 2003, by Taobao. The People's Bank of China, China's central bank, issued licensing regulations in June 2010 for third-party payment providers. It also issued separate guidelines for foreign-funded payment institutions. Because of this, Alipay, which accounted for half of China's non-bank online payment market, was restructured as a domestic company controlled by Alibaba CEO Jack Ma in order to facilitate the regulatory approval for the license. The 2010 transfer of Alipay's ownership was controversial, with media reports in 2011 that Yahoo! and Softbank (Alibaba Group's controlling shareholders) were not informed of the sale for nominal value. Chinese business publication Century Weekly criticised Ma, who stated that Alibaba Group's board of directors was aware of the transaction. The incident was criticised in foreign and Chinese media as harming foreign trust in making Chinese investments. The ownership dispute was resolved by Alibaba Group, Yahoo!, and Softbank in July 2011. In 2013, Alipay launched a financial product platform called Yu'e Bao. Alipay partnered with Tianhong Asset Management to launch the it. Yu'e Bao offers an online money market account in which Alipay customers can deposit money and receive a higher interest rate than that available from banks. It soon became China's largest online money market fund and prompted competitors like Baidu and Tencent to introduce alternatives. Alibaba (the parent company of Alipay) reported having 152 million Yu'e Bao users in mid-2016, with 810 billion RMB (US$117 billion) in funds under management. In 2015, Alipay's parent company was re-branded as Ant Financial Services Group. In 2017, Alipay unveiled their facial recognition payment service. In 2020, Alipay upgraded from a payment financial instrument to an open platform for digital life. In 2021, the mandate by the Ministry of Industry and Information Technology (MIIT) to open up the "walled garden" ecosystems of the major tech companies has led to the introduction of interoperability of payment QR codes of Alipay and competing WeChat Pay and UnionPay's Cloud QuickPass platforms. In response to the increase in Alipay's payment volume due to use on Alibaba's e-commerce sites and others, Chinese regulators introduced new rules in 2020. The new rules focused on Alipay because the payment volume exploded due to its use on Alibaba's e-commerce sites and other platforms. By the second quarter in 2020, Alipay held 55.6% of China's third party mobile payment market. The People's Bank of China made rules that required payment firms to place money with regulators and anti-monopoly reviews would be triggered if the amount exceeded 50% market share. The rules included that the People's Bank of China mandate an online-payment clearing route through the NetsUnion Clearing Corporation, a centralized, state-overseen clearing body, and that unused consumer funds be held by a third-party payment provider in a non-interest-bearing account. These measures increased transparency and reduced systemic risk. When Alipay operates outside of China, it must comply with local financial regulations, which may treat specific functions such as money-market funds or investment-linked products. In Singapore, such services may require prior authorization from securities or financial-services regulators before they can be offered to residents. == Services == Alipay states that it operates with more than 65 financial institutions including Visa and MasterCard to provide payment services for Taobao and Tmall as well as more than 460,000 online and local Chinese businesses. Alipay is used in smartphones with their Alipay Wallet app. QR code payment codes are used for local in-store payments. The Alipay app also provides features such as credit card bill payments, bank account managements, P2P transfer, prepay mobile phone top-up, bus and train ticket purchases, food orders, vehicles for hire, insurance selections and a digital identification document storage. Alipay also allows online check-out on most Chinese-based websites such as Taobao and Tmall. The Alipay app allows users to add their own services provided from different companies to create a more personalised experience. Since late 2008, Alipay has promoted public service payment services and has covered more than 300 cities nationwide, supporting more than 1,200 partner organizations. In addition to utility bills such as water and electricity, Alipay also extends their services to areas such as paying transportation fines, property fees, and cable television fees. Common online payment services also include hydropower coal payment, tuition payment and traffic fine. On 15 January 2009, Alipay launched a credit card repayment service, supporting 39 domestic bank-issued credit cards. It is currently the most popular third-party repayment platform. The main advantages are free credit card bills checking, repayments with no administrative fee, as well as automatic repayment, repayment reminders and other value-added services. In the first quarter of 2014, 76% of credit cards were also paid by Alipay Wallet. From December 2013, several chain convenience store companies, including Meiyijia, Hongqi Chain, and Qishiduo C-STORE and 7-Eleven, have successively supported Alipay payment; in December, Beijing taxi drivers began to accept Alipay to pay the fare. Subsequently, Wanda Cinema, Joy City, Wangfujing and other large-scale retail companies as well as movie theaters, KTV, and catering companies have access to Alipay. From 26 March 2019, the service fee will be charged for the payment of credit card through Alipay. Customers only pay the portion of the payment that exceeds 2,000 yuan at 0.1%. In addition to this, in 2019, Walgreens accepted Alipay as payment in 3,000 US stores. Walgreen's products are available to Chinese customers through Alibaba's Tmall online marketplace. The payment application can also be used on Alibaba.com's site and Taobao as a means of payment. A Nielsen report suggests that over 90% of Chinese tourists would be willing to use mobile payment overseas if given the option. Many Chinese tourists do not have international credit cards, and so Alipay is a payment option. Digital payments have become the norm in China as the government pushes a cashless system even in rural and village areas. In November 2019, Alipay introduced Tourpass, a service component that allows non-Chinese users to use its mobile payment feature by pre-loading Chinese Yuan equivalent foreign currency into the app. In 2020, Alipay used a QR code system to help in containing the COVID-19 outbreak. The health code system tags users one of three colors according to their location, basic health information and travel history. "Beauty filters" were included to Alipay's face-scan payment system in a new upgrade that was released in July 2019. The market has responded well to the "beauty filters," which make users seem better when they use the program to make payments. Alipay Tap is a payment function launched by Alipay in July 2024. Alipay+ NFC enables wallets to offer tap-to-pay acceptance across Mastercard's global contactless network, all within your existing wallet infrastructure. == Foreign expansion == Outside of China, more than 300 worldwide merchants use Alipay to sell directly to consumers in China. It currently supports transactions in 18 foreign currencies. Since the launch of Alipay in the Mainland China, Ant Financial introduced a series of expansion of the services to other countries. Other than expanding into individual countries, the system would also be integrated with online payment platform providers. Ant Group had acquired a majority stake into 2C2P, a Singapore-based provider used by merchants worldwide in April 2022, and would eventually integrate Alipay with 2C2P. === Asia === ==== Bangladesh ==== In 2018, Alipay bought 20% shares in Bangladeshi mobile financial service provider bKash Limited. ==== Hong Kong ==== In 2017, Ant Financial expanded to Hong Kong. In a joint venture with CK Hutchison, as Alipay Payment Ser
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DocuWare

DocuWare is cloud-based Software as a Service (SaaS) provider. DocuWare software provides document management, repository, and workflow automation functions (also referred to as enterprise content management (ECM) or content services). The company is headquartered in Germany and the United States. DocuWare is also the name of the flagship product offered by the company. == Company history == On October 27, 1988, DOCUNET GmbH was founded in Germering, Germany (near Munich) by President Jürgen Biffar. Since 1990, Biffar has been managing the company with his colleague, Thomas Schneck. DOCUNET AG has since been renamed and is now known as DocuWare. Since 1999, DocuWare has outsourced parts of its development to Sofia, Bulgaria. As of 2016, Nemetschek OOD had 42 employees working on the DocuWare product. DocuWare GmbH holds a 20 percent stake in Nemetschek OOD. In April 2012, an investment agreement was signed between the company and Morgan Stanley Expansion Capital LP, a Morgan Stanley Investment Management private equity fund. Its aim was promoting and accelerating the global growth of DocuWare. The legal form, AG (Public Holding Company) changed to GmbH (limited liability corporation). The company acquired U.S.-based Westbrook Technologies Inc., developer of Fortis ECM software in August 2013. In 2014, Westbrook Technologies Inc. was merged into DocuWare Corporation. At the beginning of 2016, DocuWare appointed Dr. Michael Berger as its Chief Technology Officer (CTO). Dr. Berger joined the company in 2008 as Vice President Research & Development. On January 1, 2019, Jürgen Biffar and Thomas Schneck stepped back from their operational roles after 30 years, and Dr. Michael Berger and Max Ertl started their new roles as co-presidents. On August 6, 2019, DocuWare was acquired by Ricoh. DocuWare continues to operate as a standalone subsidiary of Ricoh. In 2020, the company received approval to move its U.S. headquarters from New Windsor to Beacon, New York. === Subsidiaries === DocuWare Corporation (Beacon, NY), founded January 1, 2001 DocuWare Ltd (Nottinghamshire), founded April 1, 2005 DocuWare SARL (Paris), founded September 1, 2008 DocuWare S.L. (Barcelona), founded July 1, 2009
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SIP (software)

SIP is an open source software tool used to connect computer programs or libraries written in C or C++ with the scripting language Python. It is an alternative to SWIG. SIP was originally developed in 1998 for PyQt — the Python bindings for the Qt GUI toolkit — but is suitable for generating bindings for any C or C++ library. == Concept == SIP takes a set of specification (.sip) files describing the API and generates the required C++ code. This is then compiled to produce the Python extension modules. A .sip file is essentially the class header file with some things removed (because SIP does not include a full C++ parser) and some things added (because C++ does not always provide enough information about how the API works). For PyQt v4 I use an internal tool (written using PyQt of course) called metasip. This is sort of an IDE for SIP. It uses GCC-XML to parse the latest header files and saves the relevant data, as XML, in a metasip project. metasip then does the equivalent of a diff against the previous version of the API and flags up any changes that need to be looked at. Those changes are then made through the GUI and ticked off the TODO list. Generating the .sip files is just a button click. In my subversion repository, PyQt v4 is basically just a 20M XML file. Updating PyQt v4 for a minor release of Qt v4 is about half an hours work. In terms of how the generated code works then I don't think it's very different from how any other bindings generator works. Python has a very good C API for writing extension modules - it's one of the reasons why so many 3rd party tools have Python bindings. For every C++ class, the SIP generated code creates a corresponding Python class implemented in C. == Notable applications that use SIP == PyQt, a python port of the application framework and widget toolkit Qt QGIS, a free and open-source cross-platform desktop geographic information system (GIS) QtiPlot, a computer program to analyze and visualize scientific data calibre (software), a free and open-source cross-platform e-book manager Veusz, a free and open-source cross-platform program to visualize scientific data
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IgHome

igHome is a customizable start page introduced in 2012 as an alternative to iGoogle, the personal web portal launched by Google in May 2005. Just like iGoogle, igHome offers users the possibility to build a start page containing a central search box and a number of gadgets. igHome mimics the user interface of iGoogle. Registered igHome users can create multiple tabs and import RSS feeds.
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GCube system

gCube is an open source software system specifically designed and developed to enact the building and operation of a Data Infrastructure providing their users with a rich array of services suitable for supporting the co-creation of Virtual Research Environments and promoting the implementation of open science workflows and practices. It is at the heart of the D4Science Data Infrastructure. == Overview == It is primarily organised in a number of web service called to offer functionality supporting the phases of knowledge production and sharing. In addition, it consists of a set of software libraries supporting service development, service-to-service integration, and service capabilities extension, and a set of portlets dedicated to realise user interface constituents facilitating the exploitation of one or more services. It is designed and conceived to enact system of systems. In fact, its gCube services rely on standards and mediators to interact with other services as well as are made available by standard and APIs to make it possible for clients to use them. For instance, the DataMiner service implements the Web Processing Service protocol to facilitate clients to execute processes. The set of components dealing with Identity and Access Management rely on Keycloak and federates other IDMs thus making the overall Authentication and the Authorization management compliant with open standards such as OAuth2, User-Managed Access (UMA), and OpenID Connect (OIDC)protocols. The Catalogue relies on DCAT, OAI-PMH, and Catalogue Service for the Web to collect contents from other catalogues and data sources and offers its content by DCAT, OAI-PMH, and a proprietary REST API (gCat REST API). Its Continuous Integration/Continuous Delivery pipeline implemented by Jenkins represents an innovative approach to software delivering conceived to be scalable and easy to maintain and upgrade at a minimal cost. == History == gCube has been developed in the context of the D4Science initiative with the support of several EU projects.
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Jive (software)

Jive (formerly known as Clearspace, then Jive SBS, then Jive Engage) is a commercial Java EE-based Enterprise 2.0 collaboration and knowledge management tool produced by Jive Software. It was first released as "Clearspace" in 2006, then renamed SBS (for "Social Business Software") in March 2009, then renamed "Jive Engage" in 2011, and renamed simply to "Jive" in 2012. Jive integrates the functionality of online communities, microblogging, social networking, discussion forums, blogs, wikis, and IM under one unified user interface. Content placed into any of the systems (blog, wiki, documentation, etc.) can be found through a common search interface. Other features include RSS capability, email integration, a reputation and reward system for participation, personal user profiles, JAX-WS web service interoperability, and integration with the Spring Framework. The product is a pure-Java server-side web application and will run on any platform where Java (JDK 1.5 or higher) is installed. It does not require a dedicated server - users have reported successful deployment in both shared environments and multiple machine clusters. As of Jive 8, released March 30, 2015, there is a Jive-n version which is for internal use (hosted by the consumer or hosted by Jive as a service) and a Jive-x version which is an external version hosted as a service. Jive no longer supports wiki markup language. == Server requirements for Jive 8-n == The following are the server requirements for Jive 8-n Operating systems: RHEL version 6 or 7 for x86_64, CentOS version 6 or 7 for x86_64 or SuSE Enterprise Linux Server (SLES) 11 and 12 for x86_64 Application Servers: Jive ships with its own embedded Apache HTTPD and Tomcat servers as part of the install package. It is not possible to deploy the application onto other appservers. Databases: MySQL (5.1, 5.5, 5.6) Oracle (11gR2, 12c) Postgres (9.0, 9.1, 9.2, 9.3, 9.4 - 9.2 or higher recommended) Microsoft SQL Server (2008R2, 2012, 2014) Environment: Jive recommends a server with at least 4GB of RAM and a dual-core 2 GHz processor with x86_64 architecture The product integrates with an LDAP repository or Active Directory For optimal deployment with a large community Jive Software recommends: using dedicated cache and document-conversion servers hosting the application and database servers separately == Releases == Jive 8, released on March 30, 2015 Jive 7, released in October 2013 Jive 9.0.x, released in November 2016 Jive 9, released in November 2016, supported now
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Message queuing service

A message queueing service is a message-oriented middleware or MOM deployed in a compute cloud using software as a service model. Service subscribers access queues and or topics to exchange data using point-to-point or publish and subscribe patterns. It's important to differentiate between event-driven and message-driven (aka queue driven) services: Event-driven services (e.g. AWS SNS) are decoupled from their consumers. Whereas queue / message driven services (e.g. AWS SQS) are coupled with their consumers. Message queues can be a good buffer to handle spiky workloads but they have a finite capacity. According to Gregor Hohpe, message queues require proper mechanisms (aka flow controls) to avoid filling the queue beyond its manageable capacity and to keep the system stable. == Ordering Guarantees in Message Queues == Amazon SQS FIFO and Azure Service Bus sessions are queue-based messaging systems that provide ordering guarantees within a message group or session attempt but do not necessarily guarantee ordered delivery in cases of retries or failures. In SQS FIFO, messages in the same message group are processed in order, with subsequent messages held until the preceding message is successfully processed or moved to the dead-letter queue (DLQ). Once a message is placed in the DLQ, it is no longer retried, creating a gap in the sequence. However, the remaining messages continue to be delivered in order. Azure Service Bus sessions function similarly by maintaining ordering within a session, provided a single consumer processes messages sequentially. The implementation differs from SQS FIFO but follows the same fundamental ordering principle. In contrast, Apache Kafka is a distributed log-based messaging system that guarantees ordering within individual partitions rather than across the entire topic. Unlike queue-based systems, Kafka retains messages in a durable, append-only log, allowing multiple consumers to read at different offsets. Kafka uses manual offset management, giving consumers control over retries and failure handling. If a consumer fails to process a message, it can delay committing the offset, preventing further progress in that partition while other partitions remain unaffected. This partition-based design enables fault isolation and parallel processing while allowing ordering to be maintained within partitions, depending on consumer handling. == Vendors == Apache Kafka Apache Kafka is a distributed system consisting of servers that store and forward messages between producer client and consumer applications. IBM MQ IBM MQ offers a managed service that can be used on IBM Cloud and Amazon Web Services. Microsoft Azure Service Bus Service Bus offers queues, topics & subscriptions, and rules/actions in order to support publish-subscribe, temporal decoupling, and load balancing scenarios. Azure Service Bus is built on AMQP allowing any existing AMQP 1.0 client stack to interact with Service Bus directly or via existing .Net, Java, Node, and Python clients. Standard and Premium tiers allow for pay as you go or isolated resources at massive scale. Oracle Messaging Cloud Service This service provides a messaging solution for applications for asynchronous communication and is influenced by the Java Message Service (JMS) API specification. Any application platform that understands HTTP can also use Oracle Messaging Cloud Service through the REST interface. For Java applications, Oracle Messaging Cloud Service provides a Java library that implements and extends the JMS 1.1 interface. The Java library implements the JMS API by acting as a client of the REST API. Amazon Simple Queue Service Supports messages natively up to 256K, or up to 2GB by transmitting payload via S3. Highly scalable, durable and resilient. Provides loose-FIFO and 'at least once' delivery in order to provide massive scale. Supports REST API and optional Java Message Service client. Low latency. Utilizes Amazon Web Services. IronMQ Supports messages up to 64k; guarantees order; guarantees once only delivery; no delays retrieving messages. Supports REST API and beanstalkd open source protocol. Runs on multiple clouds including AWS and Rackspace. Scaling must be managed by user. RabbitMQ RabbitMQ is a reliable and mature messaging and streaming broker, which is easy to deploy on cloud environments, on-premises, and on your local machine. Supports AMQP, STOMP, MQTT StormMQ Open platform supports messages up to 50Mb. Uses AMQP to avoid vendor lock-in and provide language neutrality. Locate-It Option allows customers to audit the location of their data at all times and satisfy data protection principles. AnypointMQ An enterprise multi-tenant, cloud messaging service that performs advanced asynchronous messaging scenarios between applications. Anypoint MQ is fully integrated with Anypoint Platform, offering role based access control, client application management, and connectors.
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Sunrise Calendar

Sunrise is a discontinued electronic calendar application for mobile and desktop. The service was launched in 2013 by designers Pierre Valade and Jeremy Le Van. In October 2015, Microsoft announced that they had merged the Sunrise Calendar team into the larger Microsoft Outlook team where they will work closely with the Microsoft Outlook Mobile service. == History == The first iteration of Sunrise launched in 2012 and was a daily email digest of appointments, events and birthdays. Sunrise was launched initially as an iPhone application on February 19, 2013. In June 2013, Sunrise raised $2.2 million (~$2.91 million in 2024) in venture funding from Resolute.vc, NextView Ventures, Lerer Hippeau Ventures, SV Angel, and other angel investment firms like Loïc Le Meur, Dave Morin, Fabrice Grinda. In May 2014, Sunrise launched on Android as well as on the web via a web application. In July 2014, Sunrise announced it had raised $6 million (~$7.81 million in 2024) Series A from Balderton Capital. Bernard Liautaud joined the board. On February 11, 2015, Sunrise Atelier, Inc. was acquired by Microsoft for US$100 million (~$129 million in 2024). On October 28, 2015, Microsoft announced that Sunrise would be discontinued, and its functionality merged into Outlook Mobile. Microsoft later stated that the app would permanently cease functioning on August 31, 2016, but the shutdown was delayed to September 13, 2016, to coincide with an update to Outlook Mobile that incorporates aspects of Sunrise into its calendar interface. == Features == Sunrise allowed users to connect with Google Calendar, iCloud calendar and with Exchange Server. The following third-party services featured integration with Sunrise: Foursquare, GitHub, TripIt, Asana, Evernote, Google Tasks, Trello, Songkick, and Wunderlist. As a web app, users could sign-in and use Sunrise in a web browser, with no downloads required. A native Sunrise app could also be downloaded for OS X 10.9 and later, iOS 8.0 and later (both iPhone and iPad) as well as Android phones and tablets. In May 2015, Sunrise launched Meet, a keyboard for Android and iOS that lets users select available time slots in their calendar to schedule one-to-ones.
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Structural risk minimization

Structural risk minimization (SRM) is an inductive principle of use in machine learning. Commonly in machine learning, a generalized model must be selected from a finite data set, with the consequent problem of overfitting – the model becoming too strongly tailored to the particularities of the training set and generalizing poorly to new data. The SRM principle addresses this problem by balancing the model's complexity against its success at fitting the training data. This principle was first set out in a 1974 book by Vladimir Vapnik and Alexey Chervonenkis and uses the VC dimension. In practical terms, Structural Risk Minimization is implemented by minimizing E t r a i n + β H ( W ) {\displaystyle E_{train}+\beta H(W)} , where E t r a i n {\displaystyle E_{train}} is the train error, the function H ( W ) {\displaystyle H(W)} is called a regularization function, and β {\displaystyle \beta } is a constant. H ( W ) {\displaystyle H(W)} is chosen such that it takes large values on parameters W {\displaystyle W} that belong to high-capacity subsets of the parameter space. Minimizing H ( W ) {\displaystyle H(W)} in effect limits the capacity of the accessible subsets of the parameter space, thereby controlling the trade-off between minimizing the training error and minimizing the expected gap between the training error and test error. The SRM problem can be formulated in terms of data. Given n data points consisting of data x and labels y, the objective J ( θ ) {\displaystyle J(\theta )} is often expressed in the following manner: J ( θ ) = 1 2 n ∑ i = 1 n ( h θ ( x i ) − y i ) 2 + λ 2 ∑ j = 1 d θ j 2 {\displaystyle J(\theta )={\frac {1}{2n}}\sum _{i=1}^{n}(h_{\theta }(x^{i})-y^{i})^{2}+{\frac {\lambda }{2}}\sum _{j=1}^{d}\theta _{j}^{2}} The first term is the mean squared error (MSE) term between the value of the learned model, h θ {\displaystyle h_{\theta }} , and the given labels y {\displaystyle y} . This term is the training error, E t r a i n {\displaystyle E_{train}} , that was discussed earlier. The second term, places a prior over the weights, to favor sparsity and penalize larger weights. The trade-off coefficient, λ {\displaystyle \lambda } , is a hyperparameter that places more or less importance on the regularization term. Larger λ {\displaystyle \lambda } encourages sparser weights at the expense of a more optimal MSE, and smaller λ {\displaystyle \lambda } relaxes regularization allowing the model to fit to data. Note that as λ → ∞ {\displaystyle \lambda \to \infty } the weights become zero, and as λ → 0 {\displaystyle \lambda \to 0} , the model typically suffers from overfitting.
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System requirements specification

A System Requirements Specification (SysRS) (abbreviated SysRS to be distinct from a software requirements specification (SRS)) is a structured collection of information that embodies the requirements of a system. A business analyst (BA), sometimes titled system analyst, is responsible for analyzing the business needs of their clients and stakeholders to help identify business problems and propose solutions. Within the systems development life cycle domain, the BA typically performs a liaison function between the business side of an enterprise and the information technology department or external service providers.
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Wave Financial

Wave is a Canadian company that provides financial services and software for small businesses. Wave is headquartered in the East Bayfront neighbourhood in Toronto, Canada. The company's first product was free online accounting software designed for businesses with 1–9 employees, followed by invoicing, personal finance and receipt-scanning software (OCR). In 2012, Wave began branching into financial services, initially with Payments by Wave (credit card processing) and Payroll by Wave, followed in February 2017 by Lending by Wave, which has since been discontinued. == History == CEO Kirk Simpson and CPO James Lochrie launched Wave Accounting Inc. in July 2009, Wave Accounting launched to the public on November 16, 2010. In June 2011, Series A funding led by OMERS Ventures was closed. In September 2011, FedDev Ontario invested one million dollars in funding. In October 2011, a $5-million investment led by U.S. venture capital firm Charles River Ventures was announced. In May 2012, Wave Accounting closed its series B financing round led by The Social+Capital Partnership, with follow-on participation from Charles River Ventures and OMERS Ventures. Wave acquired a company called Small Payroll in November 2011, which was later launched as a payroll product called Wave Payroll. In February 2012, Wave officially launched Wave Payroll to the public in Canada, followed by the American release in November of the same year. In August, 2012, the company announced the acquisition of Vuru.co, an online stock-tracking service. Terms of the deal were not disclosed. In December 2012, the company rebranded itself as Wave to emphasize its broadened spectrum of services. On March 14, 2019, the company acquired Every, a Toronto-based fintech company that provides business accounts and debit cards to small businesses. On June 11, 2019, the company announced it was being acquired by tax preparation company, H&R Block, for $537 million. On June 15, 2022, Wave announced that Kirk Simpson would be leaving and being replaced as CEO by Zahir Khoja. In May 2025, US customers of Wave were transitioned to a new Payroll processing system supported by CheckHQ. The new integration improved support for US employers by handling employer tax withholding and payments in all 50 US States. == Products == The company's initial product, Accounting by Wave, is a double entry accounting tool. Services include direct bank data imports, invoicing and expense tracking, customizable chart of accounts, and journal transactions. Accounting by Wave integrates with expense tracking software Shoeboxed and e-commerce website Etsy. The next product launched was Payroll by Wave, which was launched in 2012 after the acquisition of SmallPayroll.ca. Payroll by Wave is only available in the US and Canada. Invoicing by Wave is an offshoot of the company's earlier accounting tools. Additional products launched on or shortly after the company's rebrand in December 2012 include: a credit card processing tool, Payments by Wave, built initially on integration with Stripe credit card processing. However, Wave does not report merchant fees correctly for countries where Stripe charges a tax such as GST. In these cases, the merchant fees are reported without tax and do not match your Stripe account. a receipt scanning tool, Receipts by Wave. In 2017, Wave signed an agreement to provide its platform on RBC's online business banking site. The RBC-Wave service will be co-branded. == Taxes supported == The company's software supports tax-exclusive pricing, such as U.S. sales tax, where taxes are added on top of prices quoted. This has two effects: When scanning receipts users must manually add the tax, and input the amount. When making an invoice, users must put in a price before tax, and the system will add the tax on top. This makes Wave unable to handle taxes in countries like Australia where prices must be quoted inclusive of all taxes, such as GST. There is no way to set an invoice total and have Wave calculate the tax portion as a percentage. == Pricing and business model == As of June 10, 2024, Wave offers two tiers for its software: a free Starter plan with limitations on some features, and a paid Pro plan. In addition to its paid plan, revenue from the company comes from other paid financial services the company offers: Payments by Wave: Card processing which includes debit, credit and prepaid cards as well as ACH (bank payments) in the United States. Fees are a percentage of the transaction. Payroll by Wave: Monthly subscription fee plus usage fees. Wave previously included advertising on its pages as a source of revenue. Advertising was removed in January 2017. In 2017, Wave raised $24m (USD) in funding led by NAB Ventures. In 2019, H&R Block announced the acquisition of Wave in a cash deal worth $405 million USD.
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European Cloud Partnership

The European Cloud Partnership (ECP) is an advisory group set up by the European Commission as part of the European Cloud Computing Strategy to provide guidance on the development of cloud computing in the European Union. The ECP is led by a steering board composed of representatives of the IT and telecom industry as well as European government policymakers. == History == After publishing a document, "Unleashing the Potential of Cloud Computing in Europe", the European Commission set up the European Cloud Partnership in 2012, with a steering board including both government and industry representatives. The ECP's first meeting was held on 19 November 2012; it was chaired by the President of Estonia Toomas Hendrik Ilves. In 2013 the ECP began drafting its charter. That year, as information about the PRISM scandal came to light, the ECP emphasized the need for Europe to develop its own cloud infrastructure, rather than depend on that of the United States. It completed a report titled "Trusted Cloud Europe" in February 2014 defining its policy, and outlining a process for effective public and private sector participation in cloud computing development in Europe. The report recommended that the commission identify technical, legal and operational best practices, and promote these through certifications and guidelines, and facilitate recognition across national boundaries. The report also recommended that the commission identify cloud computing stakeholders and help them work together through consultations and workshops. In March 2014, the European Commission invited external parties to submit opinions, take part in a discussion forum and complete an online survey in response to the report.
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Quack.com

Quack.com was an early voice portal company. The domain name later was used for Quack, an iPad search application from AOL. == History == It was founded in 1998 by Steven Woods, Jeromy Carriere and Alex Quilici as a Pittsburgh, Pennsylvania, USA, based voice portal infrastructure company named Quackware. Quack was the first company to try to create a voice portal: a consumer-based destination "site" in which consumers could not only access information by voice alone, but also complete transactions. Quackware launched a beta phone service in 1999 that allowed consumers to purchase books from sites such as Amazon and CDs from sites such as CDNow by answering a short set of questions. Quack followed with a set of information services from movie listings (inspired by, but expanding upon, Moviefone) to news, weather and stock quotes. This concept introduced a series of lookalike startups including Tellme Networks which raised more money than any Internet startup in history on a similar concept. Quack received its first venture funding from HDL Capital in 1999 and moved operations to Mountain View in Silicon Valley, California in 1999. A deal with Lycos was announced in May 2000. In September 2000 Quack was acquired for $200 million by America Online (AOL) and moved onto the Netscape campus with what was left of the Netscape team. Quack was attacked in the Canadian press for being representative of the Canadian "brain drain" to the US during the Internet bubble, focusing its recruiting efforts on the University of Waterloo, hiring more than 50 engineers from Waterloo in less than 10 months. Quack competitor Tellme Networks raised enormous funds in what became a highly competitive market in 2000, with the emergence of more than a dozen additional competitors in a 12-month period. Following its acquisition by America Online in an effort led by Ted Leonsis to bring Quack into AOL Interactive, the Quack voice service became AOLbyPhone as one of AOL's "web properties" along with MapQuest, Moviefone and others. Quack secured several patents that underlie the technical challenges of delivering interactive voice services. Constructing a voice portal required integrations and innovations not only in speech recognition and speech generation, but also in databases, application specification, constraint-based reasoning and artificial intelligence and computational linguistics. "Quack"'s name derived from the company goal of providing not only voice-based services, but more broadly "Quick Ubiquitous Access to Consumer Knowledge". The patents assigned to Quack.com include: System and method for voice access to Internet-based information, System and method for advertising with an Internet Voice Portal and recognizing the axiom that in interactive voice systems one must "know the set of possible answers to a question before asking it". System and method for determining if one web site has the same information as another web site. Quack.com was spoofed in The Simpsons in March 2002 in the episode "Blame It on Lisa" in which a "ComQuaak" sign is replaced by another equally crazy telecom company name. == 2010 onwards == In July 2010, quack.com became the focus of a new AOL iPad application, that was a web search experience. The product delivers web results and blends in picture, video and Twitter results. It enables you to preview the web results before you go to the site, search within each result, and flip through the results pages, making full use of the iPad's touch screen features. The iPad app was free via iTunes, but support discontinued in 2012.
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Mojito (framework)

Mojito is an environment agnostic, Model-View-Controller (MVC) web application framework. It was designed by Yahoo. == Features == Mojito supports agile development of web applications. Mojito has built-in support for unit testing, Internationalization, syntax and coding convention checks. Both server and client components are written in JavaScript. Mojito allows developers designing web applications to leverage the utilities of both configuration and MVC framework. Mojito is capable of running on both JavaScript-enabled web browsers and servers using Node.js because they both utilize JavaScript. Mojito applications mainly consist of two components: JSON Configuration files: these define relationships between code components, assets, routing paths, and framework defaults and are available at the application and mojit level. Directories: these reflect MVC architecture and are used to separate resources such as assets, libraries, middleware, etc. == Architecture == In Mojito, both server and "client" side scripting is done in JavaScript, allowing it to run on both client and server thereby breaking the "front-end back-end barrier." It has both client and server runtimes. === Server runtime === This block houses operations needed by server side components. Services include: Routing rules, HTTP Server, config loader and disk-based loader. === Client runtime === This block houses operations called upon while running client sides components. Services include local storage/cache access and JSON based /URL based loader === Core === Core function can be accessed on client or server. Services include Registry, Dispatcher, Front controller, Resource store. === Container === mojit object comes into the picture. This container also include the services used by mojits. API and Mojito services are the blocks which caters to services needed for execution of mojits. === API (Action Context) === Mojito services are a customizable service block. It offers mojits a range of services which might be needed by mojit to carry out certain actions. These services can be availed at both client and server side. Reusable services can be created and aggregated to the core here. == Mojits == Mojits are the modules of a Mojito application. An application consists of one or more mojits. A mojit encompasses a Model, Views and a Controller defined by JSON configuration files. It includes a View factory where views are created according to the model and a View cache that holds frequently requested views to aid performance. === Application Architecture === A Mojito application is a set of mojits facilitated by configurable JSON files which define the code for model, view and controller. This MVC structure works with API block and Mojito services, and can be deployed at both client and server side. While the application is deployed at client side, it can call server-side modules using binders. Binders are mojit codes that let mojits request services from each other. Mojit Proxy acts as an intermediary between binders and mojit's API (application context) block and other mojits. Controllers are command-issuing units of mojits. Models mirror the core logic and hold data. Applications can have multiple models. They can be centrally accessed from controllers. View files are created in accordance with controllers and models, and are marked-up before they are sent to users as output. === Application Directory Structure === Directory structure of a Mojito application with one mojit: [mojito_app]/ |-- application.json |-- assets/ | `-- favicon.icon |-- yui_modules/ | `-- .{affinity}.js |-- index.js |-- mojits/ | `-- [mojit_name | |-- assets/ | |-- yui_modules/ | | `-- .{affinity}.js | |-- binders/ | | `-- {view_name}.js | |-- controller.{affinity}.js | |-- defaults.json | |-- definition.json | |-- lang/ | | `-- {mojit_name}_{lang}.js | |-- models/ | | `-- {model_name}.{affinity}.js | |-- tests/ | | |-- yui_modules/ | | | `-- {module_name}.{affinity}-tests.js | | |-- controller.{affinity}-tests.js | | `-- models/ | | `-- {model_name}.{affinity}-tests.js | `-- views/ | |-- {view_name}.{view_engine}.html | `-- {view_name}.{device}.{view_engine}.html |-- package.json |-- routes.json (deprecated) |-- server.js == Model, View and Controller == The Model hosts data, which is accessed by the Controller and presented to the View. Controller also handles any client requests for data, in which case controller fetches data from the model and passes the data to the client. All three components are clustered in the mojit. Mojits are physically illustrated by directory structures and an application can have multiple mojits. Every mojit can have one controller, one or more views and zero or more models. === Model === The model it represents the application data and is independent of view or controller. Model contains code to manipulate the data. They are found in the models directory of each mojit. Functions include: Storing information for access by controller. Validation and error handling. Metadata required by the view === Controller === The controller acts like a connecting agent between model and view. It supplies input to Model and after fetching data from model, passes it to View. Functions include Redirection Monitors authentication Web safety Encoding === View === The view acts as a presentation filter by highlighting some model attributes and suppressing others. A view can be understood as a visual permutation of the model. The view renders data received from controller and displays it to the end user.
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Summify

Summify was a social news aggregator founded by Mircea Paşoi and Cristian Strat, two former Google and Microsoft interns from Romania. The service emailed its users a periodic summary of news articles shared from their social networks based on their relevance and importance. The platform supported Twitter, Facebook, and Google Reader accounts. == History == In 2009, Paşoi and Strat created ReadFu, a plugin that provided a contextual summary and statistics of the target page of a hyperlink. In January 2010, ReadFu was accepted into the Vancouver-based start-up incubator Bootup Labs. On March 20, 2010 the service was renamed to Summify and a private beta began. On August 11, 2010 Paşoi and Strat announced a new direction for the service. It would become a real-time social news reader that aggregates incoming news from social networks and displays articles by importance using social reactions. After some feedback that the users preferred article digests by email more than the real-time news reader version, Summify discontinued the news reader version. In March 2011, Summify completed a Seed round, with investors including Rob Glaser, Accel Partners, and Stewart Butterfield. Summify received coverage from various news and media outlets such as TechCrunch. It was also featured in various news platforms, such as Time, The Globe and Mail, Mashable, VentureBeat, Gizmodo, Lifehacker, and The Next Web. Summify released a free app on the Apple App Store on July 8, 2011. The app allowed users to read their web summaries from iOS mobile devices. Summify was acquired by Twitter on January 19, 2012. The service shut down soon after, on June 22, 2012.
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