WebMoney

Probably most companies are willing to pay for your ideas if they can apply your ideas in a way that it is of any significant help for their business.
Realize That All Companies Need Great Ideas. All companies are dealing with challanges. Companies need to continually improve themselves to stay in business. And that's where you come in...

Almost all companies have clear goals on what to achieve, and if you could provide an idea that could help them achieve their goals faster, well then they will most likely pay you for those ideas. All you need to do is convince whatever company you're dealing with that YOUR IDEA will help them to achieve their goals faster, or convince them that your ideas will help them reach their goals in a cheaper way, less painful way, or simply in a much easier way.
How to make money from this? First, decide in which areas you could contribute to any business. For example, if you're good at organizing your home, try to think of great that spesific businesses could implement those ideas in their workplace.
GENERAL IDEAS: You could provide ideas that could be useful in any company, for example an idea that would make employees more happy and more efficient. Any company with employees could have use for such information.
NICHE IDEAS: You could also find spesific ideas targeted toward spesific niches, for example how to simply extend the lifespan of glodfish while they're staying at the pet shop.
There's a great deal of money to be made simply by providing your ideas to companies. You don't need to be an expert, however, it would make it easier to sell your idea if you could prove that you really know what you're talking about.
As defined by Wikipedia, a patent is a set of exclusive rights granted by a state to an inventor or his assignee for a fixed period of time in exchange for a disclosure of an invention.
If you have a great business idea, and if you think that your idea might be worth patenting, then you should first check if your idea really is unique and that there is no patent identical to your idea. A great way to search for patents is to use Google Patent Search at google.com/patents. Here you'll find more than 7 million patents.
The term "patent" originates from the Latin word patere which means "to lay open". Getting a patent will cost you some money, so you might consider selling the idea itself instead of recieving a patent. In some cases this would obviously be a mistake, in other cases this my be the easiest and fastes way to make some quick money. What you could do is "lay open" your idea with a trusted person or company in exchange for a reward. Naturally, make sure you don't spill the beans before you know for sure that you get your reward.

BitCoin

Bitcoin is a new currency that was created in 2009 by an unknown person using the alias Satoshi Nakamoto. Transactions are made with no middle men – meaning, no banks! There are no transaction fees and no need to give your real name. More merchants are beginning to accept them: You can buy webhosting services, pizza or even manicures.

Bitcoins can be used to buy merchandise anonymously. In addition, international payments are easy and cheap because bitcoins are not tied to any country or subject to regulation. Small businesses may like them because there are no credit card fees. Some people just buy bitcoins as an investment, hoping that they’ll go up in value.
Several marketplaces called “bitcoin exchanges” allow people to buy or sell bitcoins using different currencies. Mt. Gox is the largest bitcoin exchange.
People can send bitcoins to each other using mobile apps or their computers. It’s similar to sending cash digitally.
People compete to “mine” bitcoins using computers to solve complex math puzzles. This is how bitcoins are created. Currently, a winner is rewarded with 25 bitcoins roughly every 10 minutes.
Bitcoins are stored in a “digital wallet,” which exists either in the cloud or on a user’s computer. The wallet is a kind of virtual bank account that allows users to send or receive bitcoins, pay for goods or save their money. Unlike bank accounts, bitcoin wallets are not insured by the FDIC.
Though each bitcoin transaction is recorded in a public log, names of buyers and sellers are never revealed – only their wallet IDs. While that keeps bitcoin users’ transactions private, it also lets them buy or sell anything without easily tracing it back to them. That’s why it has become the currency of choice for people online buying drugs or other illicit activities.
No one knows what will become of bitcoin. It is mostly unregulated, but that could change. Governments are concerned about taxation and their lack of control over the currency.

Perfect Money

Perfect Money analysts came up with this way of storing and transferring money after seeing that there was a gap in the market. They felt that e-money was the future and so devised this system.

Obviously, financial dealing online need to be very secure. Many people get very concerned about making financial transactions online and this is why Perfect Money has a tight security system.

The system is also very speedy. Often bank transactions can take long time and this can be very frustrating. It can slow down business, reduce cash flow and just be annoying. Perfect Money is much quicker, which is a great advantage to its customers.

Sometimes banking system can seem to favour certain types of people. Perfect Money was designed so that whether you are an individual or business, are dealing large amounts of money or small, the system will still work for you.

To provide their customers with the best customer service, they have a helpline that it open all of the time. This means that if there are any questions that need answering, there Is always someone there to help at the end of the phone. Dealing online, can be convenient and quick, but sometimes it is necessary to speak to someone and to know that there is always someone there can be very reassuring.

The Perfect System allows people to convert their funds in to electronic currencies very quickly and easily at good rates. It will therefore allow people to make transactions very quickly at a minimal cost. Their universal tool means that people can easily transact across the world, without the hassle of having to deal with different currencies.

Customers are split in to three groups. The normal customer is a newly registered one who can use the system at the basic level. A premium customer will have to have been active for over a year and have turned over a minimum balance. They will have to apply for this status and if they are accepted, they will get lower commission fees. A partner will be able to get better business to business rates but have to be personally approved by Perfect Money. They are personal and business groups within each of these sections.

OK Pay

How to set up your OKPay account in Coinffeine

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Coinffeine uses your OKPay account to receive money when you sell your bitcoins or to make payments when you buy bitcoins.

To connect your OKPay account in Coinffeine you must get your Wallet ID and your password to use the OKPay API. You can get it by following these steps:

1 - Enter the OKPay website and login with your username and password.

2 - Now go to https://www.okpay.com/en/account/profile/general/account-type.html. Select "Business" and then click on "Continue":

3 - Now you must recover the Wallet ID from the OKPay wallet that you want Coinffeine to use. To do so navigate to the home page (https://www.okpay.com/en/account/index.html) and locate the Wallet ID. You'll find it under the name of the wallet you want to configure. It is preceded by the letters OK, eg: OK105151746

Copy it. This is the Wallet ID you will have to enter in Coinffeine to set up your OKPay account.

4 - In the menu on the left side, click on the "gear" icon which you will find next to the name of the wallet you want to set up in Coinffeine.

Remember, Coinffeine can only access the wallet that you set up, so you must ensure that funds are available on this wallet if you wish to buy bitcoins.

5 - Click on the "Integration" tab.

6 - Enable the functionality "General Functions API".

7 - Then generate a new password by clicking on "Generate New Password" and save it.

Copy it. This is the "password" you will have to enter in Coinffeine to set up your OKPay account.

8 - Click the "Save" button.

9 - Now open the Coinffeine application and click on the OKPay icon on the upper left corner.

Finally, enter the Account ID (the Wallet ID) and Token (password) that you've previously copied.

Neteller

In a surprise move, e-wallet provider and payment processor Neteller quietly started to accept bitcoin deposits at zero fees via BitPay. Neteller customers will now be able to top up their accounts by exchanging Bitcoin via Bitpay which enables Bitcoin conversion into e-currency, the e-currency is then deposited into the Neteller stored value account into one of the currencies offered by Neteller.

Neteller, owned and operated by publicly traded British global payments companyOptimal Payments PLC, is used by millions of consumers in more than 200 countries and especially popular in the foreign exhange and online gambling sectors.

This announcement follows the entering into of an agreement between Optimal Payments and Bitcoin payment processor BitPay.

“We recognize the important role that cryptocurrencies play in the future of payments,” said Optimal Payments President and CEO Joel Leonoff, “and we look forward to working with BitPay as the acceptance rate grows.”

“Neteller has recognized the growing strategic importance of bitcoin,” notes the BitPay website, “and we will be working with them to help further drive mainstream adoption of bitcoin.” Sonny Singh, BitPay’s chief operating officer, added that the relationship with Optimal Payments will help BitPay to drive merchant acceptance on a global scale.

A few days ago, Optimal Payments announced the forthcoming acquisition of the biggest Neteller competitor Skrill (formerly Moneybookers.) It seems therefore likely that bitcoin deposit options may be added to Skrill as well in the coming months.

Neteller, which is listed as an “Authorised Electronic Money Institution” with the U.K. government’s Financial Conduct Authority (FCA), is headquartered in the Isle of Man, a leading Bitcoin hub poised to attract digital fintech businesses, entrepreneurs and developers. The recent announcement of new Bitcoin-friendly regulations in the Isle of Man may have contributed to Neteller reversing its previous choice to block digital currency activities.

Neteller is accepted by nearly all online gambling operators. Therefore, nearly all online gambling operators are able to accept bitcoin payments via Neteller. Unfortunately for gamblers based in America, current U.S. regulations against online gambling prevent Neteller from offering the service to customers based in the United States.

“All serviced countries except the United States can deposit with Bitcoin,” notes the Neteller website.

With the acquisition of Skrill, Neteller will be the biggest competitor of leading payment processor PayPal, which has already begun experimenting with Bitcoin.

This article has been updated to show that Neteller MasterCard/Net+ is not currently integrated with the new Bitcoin funding option.

Skrill

The alternative payments sectors is having billions of dollars thrown at it as technology companies jostle for position in a market set to soar.

North America-based online and mobile payments firm Optimal Payments is the latest to invest heavily in the sector with the €1.1bn takeover of London-headquartered Skrill, which provides digital wallets and online processing.

Skrill's main product is e-Wallet, an internet-based stored value account, set up by merchants and customers but maintained by Skrill. It enables account holders to send and receive money instantly and securely using different payment systems, as well as pay for goods and services online.

Optimal Payments provides online payment services in about 200 countries. The firm's CEO, Joel Leonoff, said the acquisition will create a "global tech champion" in the digital payments sector.

Combined, the two companies will have more than 100 payment types in about 22 languages with 41 currencies offered. According to Opitimal Payments, the acquisition will give it more access to digital media, e-commerce segments and the online gambling sectors.

IDC Financial Insights research manager Andrei Charniauski said it is an exceptional case of two healthy profitable companies merging to create new economies of scale.

“Skrill is one of the largest wallets in the world. It is way behind the leader PayPal, with 38 million accounts compared with PayPal’s 160 million, but is still pretty distinct,” he said.

“For every digital wallet, user base and usage are two main drivers of growth. But users need wide acceptance to join wallet and use it frequently. If only a few merchants accept the wallet, there is no point using it."

Payment gateways, such as Optimal Payments, generate their revenue by processing transactions. According to Charniauski, these firms need to offer more payment schemes to shoppers to ensure online shopping baskets aren't abandoned because certain payment methods aren't accepted on a website.

“This merger is going to help both Skrill and Optimal Payments to benefit simultaneously," he said. "Optimal Payments will enable all its merchants to accept Skrill payments – essentially giving them access to 36 million new users – while Skrill will offer its account holders a major boost in network acceptance.

"The key of the merger is that the newly created value chain will be wholly owned by one single company.”

As technology firms attempt to take a share of the financial services market, acquisitions are inevitable as competition increases in a crowded sector.

Mobile phone giant Samsung has acquired mobile payments startup LoopPay to bolster its mobile wallet development, known as Samsung Pay, while Google has acquired some technology and intellectual property from mobile payments software firm Softcard, which was owned by AT&T Mobility, T-Mobile US and Verizon Wireless.

Google is expected to launch payments application programming interface Android Pay at its I/O conference in May 2015.

Meanwhile, UK mobile banking software maker Monitise said it was reviewing its options, including the possibility of being taken over. Oracle and IBM are said to have shown interest.

Solid Trust Pay

SolidTrust Pay offers three unique account types to meet all your online payment needs.  Personal (free account setup) great for online shopping and payments send $$ instantly between family and friends from your very own secure online ewallet free to send $$ and only 1.5% plus $.25 to receive fund your account via multiple options in over 160 countries refer others and earn CASH in our free affiliate program personal, bank or credit info is never shared during transactions  Business (free account setup) apply for a merchant account to accept credit/debit card purchases from non STPay members * ($39 application fee required; refundable if business is not accepted.) sell online products and services quickly and easily quickly withdraw company profits via multiple options & currencies competitive 2.5% plus $0.30 receiving fee (transfers from STPay members) fast and professional merchant support FREE programming consulting and assistance (limits apply) refer customers and earn CASH in our free affiliate program FREE listing in the SolidTrust Pay Shopping Mall Corporate ($50 application fee; refundable if not accepted) FRAUD, LOSS and CHARGEBACK protection!! * apply for a merchant account to accept credit/debit card purchases from non STPay members * ($39 application fee required; refundable if business is not accepted.) apply for our exclusive Transparent API with optional instant clearance! Customers are not redirected to our hosted page, but stay on your website, creating a more seamless and customized feel to the payment experience FREE Virtual Terminal for manual card online payment processing (credit card app required). sell online products and services quickly and easily quickly withdraw company profits via multiple options & currencies competitive 3.5% plus $0.50receiving fee (transfers from STPay members) low $15 to $45 monthly gateway fee/no cancellation fee or reserves held fast and professional merchant support FREE unlimited programming consulting and assistance refer customers and earn CASH in our free affiliate program FREE listing in the SolidTrust Pay Shopping Mall

Payoneer

If you’re a professional affiliate, buying traffic, getting paid, then turning around and buying traffic right back up again is your modus operandi. The ability to turn around and re-buy traffic as quickly as possible is the part where revenue generation can take a big hit. The challenge for affiliates is getting liquid access to their earnings. Easier said than done though.

It’s this particular problem that Payoneer, whose Master Card debit card solution we’ve covered in the past, has made into its house specialty and why it’s become a popular choice for international affiliates.

Need proof? How about $500M in yearly payments going through its systems, and a year-over-year growth rate in the past four years of 100%? No question that Payoneer’s offering has jumped the shark.

Affiliates typically receive their payments by way of wire transfer or check, directly into their local bank accounts, in their own countries. When they buy traffic, however, they usually need to make an international payment.

This moving of money back and forth is costly (fees can be upwards of $30 for wire transfers), and also time consuming (wire transfers take several days to make it to their destination).

With Payoneer, all users are Master Card debit card cardholders. This means that once funds are deposited into their accounts, users can immediately make standard credit card payments, or withdraw cash from ATMs. For affiliates, the real upside is that they can use their cards to pay for traffic they buy **without** the back and forth local-to-international money transfers.

Also, using Payoneer doesn’t require users to have bank accounts, and the cards can be reloaded within hours of funds being deposited in user accounts. And now with the newly launch local bank transfer service, Payoneer can transfer funds in the local currency of the user, as opposed to the currency they were paid in (typically USD). Local currency transfers are both cheaper ($6.95-9.95) and faster than a standard wire transfer. For international users residing in countries where banking systems are still lagging decades behind those of Western countries these are big deals.

The local bank transfer service is going to be gradually released to different countries and partners, so it will take a while to become available all over the globe (although that is decidedly the goal).

Payoneer’s value proposition hasn’t gone unnoticed. The company already has over a thousand partners making payments to hundreds of thousands of users. And with the signing of Direct Track, ~100,000 additional affiliates will be exposed to Payoneer’s solution.

Payonner is backed by Carmel Ventures and Greylock Partners.

Payza

Payza already offers one of the fastest and most versatile way to send money online. With services in over 190 countries, Payza makes it easy to send money instantly to friends and loved ones almost anywhere in the world.

Last year we introduced Balance Top Up, giving members a way to instantly add funds to their account when they wanted to send money or pay a Payza merchant but didn’t have enough funds in their e-wallet. Our wide range of withdrawal options, including Bank Account, Bitcoin, and Credit Card withdrawals make it easy for you to access the money in your Payza account.

At Payza, we’re committed to creating the best possible user experience, and part of that means giving our members more choice. Now, when you Send Funds using Payza, you have the option to add the fees to your transaction instead of having your recipient pay the fees making it easier when you need to send a specific amount. You won’t have to calculate what amount of fees will be deducted, just enter the amount you want to send, select “I Pay“, and we’ll take care of the rest.

Legitimate businesses and hard-working individuals were the next targets. They too needed a means of transferring money across the world. With the emerging Asian markets offering cheap goods and services, they needed a way to pay them for their merchandise. PayPal or Dwollar could not offer their services in many counties due to local restrictions: Alertpay/ Payza found a way around them! The same methods were soon used on these new victims as had been used before. Emails were sent out citing a breach in their terms and conditions and as such, the accounts were frozen, pending the result of an ongoing enquiry. Many clients reported that they never saw their money again. Whilst the enquiry was in progress, the Patels would empty the accounts and reallocate the funds for their own benefit. Most small businesses and individuals could not afford to take legal action against such a large international company.

The Alertpay/ Payza scam came to public attention when they were suspected of processing payments for a child pornographer. This came to the attention of the FBI in November 2013.

The Patels had to act quickly and try to distance themselves from the breaking scandal. Alertpay was split up: the HYIP operators and other illegal company accounts were moved to Obopay, another Patel company which had recently been set up for this reason. They publically announced that Alertpay/ Payza had no dealings with HYIP schemes and illegally operated companies. The rest of the accounts were taken over by MH Pillars. This was a non-trading British company that was dormant. Alertpay changed its name to Payza in the hope of continuing to trade. Firoz Patel instructed the CEO of MH Pillars to email all their US clients urging them to enlist the help of their relevant State Governors. This ploy was to stall for time and to add to the confusion which was mounting.

Paypal

PayPal Holdings, Inc. is an American company operating a worldwide online payments system. Online money transfers serve as electronic alternatives to traditional paper methods like checks and money orders. PayPal is one of the world's largest internet payment companies.The company operates as an acquirer, performing payment processing for online vendors, auction sites and other commercial users, for which it charges a fee.

Established in 1998, PayPal had its IPO in 2002, and became a wholly owned subsidiary of eBay later that year. In 2014, PayPal moved $228 billion in 26 currencies across more than 190 nations, generating a total revenue of $7.9 billion (44% of eBay’s total profits).The same year, eBay announced plans to spin-off PayPal into an independent company by mid-2015 and was complete on July 18, 2015.

PayPal was initially established in December 1998 as Confinity, a company that developed security software for handheld devices founded by Max Levchin, Peter Thiel, Luke Nosek, and Ken Howery. PayPal was developed and launched as a money transfer service at Confinity in 1999, funded by John Malloy from BlueRun Ventures.

In March 2000, Confinity merged with X.com, an online banking company founded by Elon Musk.[15] Musk was optimistic about the future success of the money transfer business Confinity was developing. Musk and then-president and CEO of X.com, Bill Harris, disagreed on this point and Harris left the company in May 2000. In October of that year, Musk made the decision that X.com would terminate its other internet banking operations and focus on the PayPal money service. The X.com company was then renamed PayPal in 2001, and expanded rapidly throughout the year until company executives decided to take PayPal public in 2002. as listed under the ticker PYPL at $13 per share and ended up generating over $61 million.

Shortly after PayPal's IPO, the company was acquired by eBay in July 2002 for $1.5 billion. More than 70 percent of all eBay auctions accepted PayPal payments, and roughly 1 in 4 closed auction listings were transacted via PayPal. PayPal became the payment method used by a majority of eBay users (it was also the default choice), and the service competed with eBay's subsidiaryBillpoint, as well as Citibank's c2it, Yahoo!'s PayDirect, Google Checkout, and Western Union's BidPay service, all of which closed in subsequent years.

PayPal acquired the VeriSign payment solution in 2005 to expand its e-commerce business and provide added security support. In 2007, PayPal announced a partnership with MasterCard that led to the development and launch of the PayPal Secure Card service, a software that allows customers to make payments on websites that do not accept PayPal directly by generating a unique, single-use MasterCard number for each checkout. By the end of 2007, the company generated $1.8 billion in revenue.

In January 2008, PayPal acquired Fraud Sciences, a privately held Israeli start-up company with expertise in online risk tools, for $169 million, in order to enhance PayPal's proprietary fraud management systems. In November 2008, the company acquired Bill Me Later, an online payments company offering transactional credit at over 9000 online merchants in the US. PayPal revenues for Q1 2009 were $643 million, up 11 percent year over year. 42 percent of revenues in Q1 2009 were from international markets. PayPal's Total Payment Volume (TPV), the total value of transactions in Q1 2009 was nearly $16 billion, up 10 percent year over year.

By 2010, PayPal had over 100 million active user accounts in 190 markets through 25 different currencies. In July 2011, fourteen alleged members of the Anonymoushacktivist group were charged with attempting to disrupt PayPal's operations. The denial of service attacks occurred in December 2010, after PayPal stopped processing donations to Wikileaks. On December 5, 2013, 13 of the PayPal 14 plead guilty to misdemeanor and felony charges related to the attacks.

The company continued to focus on international growth and growth of its Merchant Services division, providing e-payments for retailers on eBay. In 2011, PayPal announced that it would begin moving its business offline so that customers can make payments via PayPal in stores. In August 2012, the company announced its partnership withDiscover Card to allow PayPal payments to be made at any of the 7 million stores in Discover Card's network. By the end of 2012, PayPal's total payment volume processed was US$145 billion. and accounted for 40% of eBay's revenue, amounting to US$1.37 billion in the 3rd quarter of 2012.

In 2013, PayPal acquired IronPearl, a Palo Alto startup offering engagement software, and Braintree, a Chicago-based payment gateway, to further product development and mobile services. In June 2014 David Marcus announced he was leaving his role as PayPal President; Marcus joined PayPal in August 2011 after its acquisition of Zong, of which he was the founder and CEO. David Marcus succeeded Scott Thompson as president, who left the role to join Yahoo. PayPal announced that Marcus would be succeeded by Dan Schulman, who previously served as CEO of Virgin Mobile and vice president of American Express.