# SocialPay

# Introduction

# Purpose of the project - Dematerilization of shopping vouchers

During the emergency phase caused by the Covid-19 pandemic, the Scrypta Foundation released a system for the dematerialisation and management of "shopping vouchers", also known as "Tokenization" of solidarity vouchers, for free use for all municipalities

The system, called "SocialPay", is proposed as a solution for the rapid delivery by municipalities to citizens entitled to vouchers. The entire project has been released in open-source, meaning that it is possible to generate everything needed to issue and manage the shopping vouchers for the Municipality in complete autonomy.

Visit SocialPay website.

# What the system provides

The system provides a management platform supplied to each Municipality which allows:

  • To keep track of each Card numbered and differentiated by QR-CODE.
  • To connect the identity of the citizen entitled to their Card.
  • To provide the digital representation of the economic value of the voucher through the Card (this digital value can be spent at the operators participating in the circuit)
  • To monitor the service through real-time usage data.

The system is therefore composed of the following elements:

  • A Web-App supplied to the Merchant which allows:

    • Acquire the payment of goods through the Card
    • View the transaction history and balance
    • Request a refund from the Municipality which will take the form of a bank transfer.
  • The Cards with QR-CODE supplied to the Citizens entitled:

    • The Card will be delivered by the Municipality.
    • The Card will be presented by the citizen to the operators participating in the circuit to use the coupons.

# How it works

The municipality distributes a numbered ** Card ** assigned to a subject identified by the body directly to the entitled citizens. Together with the card, it will provide a 5-digit PIN code which allows the exclusive use of funds.

Merchants who adhere to the digital shopping voucher system will be provided with a special web application that allows them to use their smartphone / tablet as a virtual POS. With the camera of the device it is possible to frame the QR-Code on the back of the Card assigned to citizen and charge the amount corresponding to the amount of the purchase made in their business.

Citizens must still authorize the purchase by entering the PIN in the merchant's virtual POS.

Each operator through his application will be able to constantly check his digital account where he will verify the crediting of the sums in real time.

In addition, within the web-app there is a specific function "Request Refund" to forward the refund request to the Municipality, which will take the form of a bank transfer.

# Features and comparison

Following is a comparative table between SocialPay and other systems for the delivery and management of shopping vouchers:

confronto

  1. Anti counterfeiting

Transactions are recorded on the blockchain, therefore it is not possible to alter them in order to increase or decrease the credit relating to the vouchers against the will of the municipality or citizen. You cannot print false coupon cards: the only cards enabled are those registered in the municipality's software.

  1. Security

Since the technological infrastructure is not entrusted to a centralized supplier, as it is a decentralized system, if the Municipality or the Operator were to suffer an IT attack or have problems related to its operation, this will not affect SocialPay's functioning. The cards can be replaced and blocked easily as the municipality - or the citizen himself - can withdraw the funds at any time and track their movements in case of unauthorized transactions.

  1. Traceability

SocialPay uses a blockchain infrastructure that allows effective traceability during the use of the system. On the contrary, systems based on paper vouchers are traceable only once the operator has returned the vouchers to the municipality. Other solutions based on rechargeable card are usually entrusted to proprietary software systems that make the tracking tied to the specific application and not perfectly transparent.

  1. Transaction fees in the system

Transactions within the system, i.e. the sending of credit for the shopping vouchers by the municipality to citizens and from them to merchants, have no cost. System fees are paid in LYRA (0.001 LYRA, equal to a few thousandths of a euro per transaction: these are provided by the municipality and do not depend on the value of the transaction.

  1. Accountability

It is managed in a simple and streamlined way, so that the municipality does not have a work "overflow". The software allows you to export the traces relating to transactions and refund requests. Refund requests are also managed through the blockchain, ensuring a high level of transparency of the PA.

  1. Economic sustainability

The overall cost that the municipality must bear to adopt and maintain a voucher management system is measured not only in the supply itself but also in the support costs and possibly modification or evolutionary maintenance. The cards can be recharged without any limit, thus allowing the system to be used in the future for other use cases. Furthermore, since SocialPay is an open-source project, it can be adopted and developed independently by any body with technical expertise. Last but not least, there is no commission fee for any type of transaction.

  1. Monitoring

The periodic and systematic detection of all transactions in real time, which can be carried out through the Planum explorer, makes the system totally transparent while guaranteeing user privacy. It is a useful tool for analyzing the progress of disbursements, expenses and reimbursements made.

  1. Activation speed

The QR-Code technology of the cards, chosen by Scrypta, allows the SocialPay Card to be produced quickly in any type of printing shop. Alternatively, it is possible to create a system that uses NFC Card (Nearfield Communication).

  1. Charging speed

Through the Management Dashboard it is possible to reload the cards with a click in total safety and quickly.

  1. Ease of use for the citizen

Merchants who join the system are provided with a special web application which can be accessed from their smartphone or tablet (virtual POS). Once logged in, the application allows you to read the back of the Card assigned to the citizen and withdraw the amounts related to the purchase.

The citizen authorizes the purchase by entering the PIN in the merchant's virtual POS. Each operator through his web application can constantly check his digital account, and transactions.

Within the application there is also a function that allows the operator to formulate with a click the request for redemption of the cashed digital tokens, by simply sending a refund request to the Municipality, which will proceed with the balance by bank transfer.

  1. Simplicity of management for the Municipality

The municipality distributes a numbered QR-code card directly to eligible citizens. A PIN is provided with the card which allows the exclusive use of the funds. Finally, the municipality, through a simple management dashboard, can pay contributions, even on several occasions, by recharging the same citizen card. The municipality also automatically receives requests for reimbursement from the operator and can constantly check the correct functioning of the entire process by the Management.

  1. Open Source

It is possible to replicate the entire system to issue and manage the vouchers for any institution, in safety. In fact, the Scrypta Foundation makes its technology available to anyone who wants to contribute to the project. It is possible to create, in accordance with the municipal will, a copy of the project and request the insertion of the code by "pull request" on the dedicated Github:

https://github.com/scryptachain/socialpay

Alternatively, you can request support from the Scrypta Consortium, the network contract of companies operating with Scrypta technology:

https://scryptaconsortium.org/

  1. Innovation

Social Pay is a process of "tokenization" of the vouchers, which means the creation of a digital value in tokens issued within the Scrypta blockchain using Planum technology. The widespread implementation of such a service leads to significant savings for the Public Administration due to the simplification of control, distribution and payments activities certified by innovative algorithmic systems specifically designed for the validation of data transmissions.

  1. Possibility of development for other uses

SocialPay by Scrypta can be replicated for other uses and purposes, such as that of meal vouchers, gift cards, digital tickets and many other use cases in which there is an Administrator who provides the service, a reference Target that will use the cards, and "Points of Sale", also online, where you can use the issued and distributed tokens.

# Merchant guide

# Digital POS and shopping voucher cards

The Municipality of "nomecomune", which adopts the SocialPay system, prepares, for eligible citizens, the Card "Digital Shopping Voucher" to be used exclusively for the purchase of basic necessities and pharmaceutical products.

The Municipality provides the Operator with a Merchant Card free of charge equipped with QR-CODE and protected by a specific PIN code (numeric password) which will be used for the main configuration operations and for the use of the specific web application supplied with the operator himself.

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# Merchant procedures

# Access to the system

socialpay Log in by connecting to your site with your smartphone / tablet, to be used as a virtual POS:
https://nomecomune.socialpay.live/.

Click on SCAN CARD” and capture the QR Code of the card that was delivered to you (Merchant Card).

You will be asked to enter the PIN that was assigned to you together with CARD.

You are now able to receive payments through DIGITAL EXPENSES of eligible citizens.

NOTE: For devices iOSbrowser must be used “Safari”, for devices Android you need to use “Google Chrome".

# Receiving payment

socialpay Access the web-app from your smartphone or tablet at the address: https://nomecomune.socialpay.live/

In HOMEyou will find the * keypad"* of the virtual POS as from image.

Enter the amount of the receipt due and press the button PAY.

sEUR shown in the figure is a digital representation of the Euro.

Now capture the QR-CODE on the back of the customer's card with your smartphone socialpay

The customer authorizes the purchase by entering his PIN in the virtual POS. The transaction takes place in real time.

socialpay After making the transaction, you will instantly see a notification of the payment.

# Balance control, transaction history and payment receipt

socialpay Through the application, by accessing the menu via the symbol and selecting “TRANSACTION HISTORY”, you can constantly check your balance and transactions.

There is also a specific function within this section “REQUEST REFUND” to forward the request to the Municipality, which will proceed with the bank transfer of the computed amount.

# Check refunds

socialpay In the section “REFUND MANAGEMENT, accessible by accessing the menu using the symbol , you will be able to see your * pending refunds * (i.e. those requested and that the Municipality has yet to take charge) and refunds processed (amounts already paid by the Municipality).

NOTE: With the status of *refund processed it is understood that the Municipality has taken over the reimbursement which will take place according to the banking schedule.

# Check City Card Balance

The application allows you to check the balance of the * Customer-Card *, which can be found at all authorized merchants.

In the section CHECK CARD, accessible by accessing the menu using the symbol , Press the button "CHECK NOW" and capture the QR CODE of the customer's card.

This will display the available balance.
socialpay

# APPENDIX - How to access the portal via Android / IOS

# Android

socialpay -Launch Chrome for Android and open the web page: https://nomecomune.socialpay.live/

-Access the menu via the symbol and then "Add to home screen”.

- Assign the link a name and Chrome to add it to the home screen.

The icon can be moved wherever you want and the chosen site will appear, like any other app, by touching the link.

Chrome for Android loads the website as if it were a "web app" separately from the browser, so you can open it directly from the switcher app.

# iPhone/iPad

- ALaunch Safari on Apple iOS open the web page: https://nomecomune.socialpay.live/

- For technical problems due to Apple, SocialPay cannot be used if it is added to the Home screen of the iPhone or iPad; consequently we recommend typing (or saving in favorites) the url address of the web-app.

- We also remind you that Social Pay can only be used by the browser Safari.
socialpay

# Guide for the citizens

# Digital shopping voucher card

The Municipality of "municipalityname" which adopts the SocialPay system, prepares, for eligible citizens, the Card "Digital Shopping Voucher" to be used exclusively for the purchase of basic necessities and pharmaceutical products.

Each Citizen Card is equipped with QR-CODE and protected by a specific PIN code (numeric password) which will be used to finalize purchases at the participating merchants.

socialpay

IMPORTANT It is recommended to keep the Card with the utmost care as it contains truly expendable funds, and not to reveal the pin connected to the Card to anyone.:::

# How to use the Card

  • Go to the affiliated point of sale and proceed with the purchase.
  • When paying, show the Card to the shopkeeper who will scan the QR CODE by charging the amount spent.
  • Enter the PIN of the Card in the shopkeeper's terminal to complete the purchase.

NOTE: You can check your account balance at any affiliated store.

# Management software

# Instructions

# Access to the management system

socialpay The login is done by loading or dragging the supplied **. Sid file ** and, immediately after, entering the associated password that has been provided to you.

# Dashboard del gestionale

socialpay Once logged in, you will be immediately diverted to the Dashboard (HOME Section) which displays the general usage data.

NOTE: The wording sEUR "burnt" indicates that these amounts are no longer available, as they have already been sent * (burnt) * as a refund request.

# User Management

The USER MANAGEMENT window consists of two sections:

  • "Upload source .csv file"
  • "User list"

# Upload source .csv file

Use this section to upload multiple users simultaneously.
After uploading the .csv file, all users within the file will be added to the management system and will be available and viewable in the "User list" section.

The .csv file is automatically generated during the card creation phase and will consist of the following fields:
SERIAL | WALLET | TYPOLOGY | NAME | IDENTIFIER | FAMILY CORE COMPONENTS

socialpay

NOTE: In case of duplicate names or data, these names will be ignored by the system.

# User list

The User list section allows you to view all the names entered in the system (Merchants and Citizens).
In addition to the visualization, it is possible to carry out ** specific ** searches, using the available search filters.
In addition, from the "ACTIONS" column it is possible to perform additional operations on the individual user.

The available actions are:

  • MODIFY
  • VIEW
  • DELETE socialpay

# MODIFY Action

Through this action, indicated by the symbol , it is possible to modify user data.socialpay

Once the changes have been made, click on "Save user" to confirm them.

# Azione VISUALIZZA

Through this action, indicated by the symbol , it is possible to view the details of the selected user, his balance and the transaction history.
This section also allows you to arrange the sending of amounts in sEUR to the selected user.
The operation is instant and requires you to enter your password. socialpay

# * Notes on transaction fees:

To carry out all transactions or refund requests, it is necessary to pay transaction fees for the blockchain infrastructure. These fees are in the order of thousandths of a euro.

When loading cards

  • During the card recharge phase, in order to provide each user with the possibility of carrying out operations on the network immediately, it is necessary to send a modest amount of LYRA for each user.

  • It is recommended to send 0.1 LYRA for each user (both "Citizen" and "Merchant"), sufficient quantity to carry out about 100 operations.

  • We also recommend that you send 0.1 LYRA for transactions whenever a "top-up" to the "Citizen" is provided.

  • It is not essential to re-send LYRA for the "Merchant" as it will automatically receive 0.001 LYRA every time the notification of the refund has been sent; this operation will be illustrated later in more detail.

If you plan to carry out more than 100 transactions, it will be necessary to send a quantity of LYRA suitable for the volume of transactions envisaged.
:::

# ** DELETE ** Action

Through this action, indicated by the symbol , the selected user is deleted from the list.
It is recommended to proceed with care by checking the data before deleting.

# Transaction history

This section displays all the transactions carried out within the system.

socialpay

Within this section, using the appropriate filters, it is possible to search by address or transaction.
By pressing the button "DOWNLOAD BACKUP" it is possible to backup the transaction history in object through file in **. csv ** format (Excel).

# Manage refund

By clicking on the "REFUND ACCOUNT" button, you are asked to enter the administrator password.socialpay
At this point the Merchant will receive a special notification transaction which confirms the bank transfer by the Municipality.
This operation is to be carried out IMMEDIATELY AFTER having prepared the specific bank transfer for refund.
< br> The operation will then be visible on the "REFUNDED" column (specifically the field will be automatically filled with "YES"). In addition, this special transaction will credit the merchant's account with the sum of **0.001LYRA **, which will allow him to request future repayments.

Finally, this function is accompanied by the possibility of adding additional text notes that are sent to the merchant.

Warning: The notes accompanying the transactions are written in clear in the distributed register of the Scrypta blockchain.
It is ** RECCOMENDED ** not to enter sensitive information, which could violate respect for privacy.

# Settings

Through this section it is possible to perform operations such as saving and deleting the entire user list. To perform the save operation, you must click on the "DOWNLOAD BACKUP" button. The generated file, in .csv format, will allow you to keep a copy of the entire user archive, and it will be necessary to import the archive again. socialpay

** Warning **: It is RECOMMENDED to make backups of the user list regularly, in order to avoid or at least limit data loss.

To perform the deletion operation of the archive, it is necessary to click on the ** "DELETE ARCHIVE" button **. At this point, the entire user list will be reset.

Warning: Using this function the current archive WILL BE COMPLETELY AND DEFINITELY DELETED ".
The cancellation cannot be canceled.
Therefore, if you have not previously backed up and deleted the data, the entire archive will go DESTROYED.

PROCEED WITH CAUTION.

# SocialPay for developers

This Github's "SocialPay" repository it contains all the required components and is divided by regions and municipalities. Inside are the files that generate three different projects:

  • Admin: this project is a customization of the Scrypta Planum Admin management software, used to manage the sidechains.
  • Pos: this project serves to generate the front end for merchants and that allows you to spend the coupons
  • Card: this project is used to generate printable card wallets in QR code format to distribute them to citizens

The documentation folder contains the presentations, the graphic sources of the cards and the legal pre-printed documents for the agreement with the municipality.

# Preliminary operations

We recommend that you download the updated base folders from development branch on Github:

After downloading the folders you will have to install all the dependencies using the command npm install within each subfolder (admin, card, pos).

# Creation of the sidechain

The creation of the "digital representation of value" takes place through Planum's Sidechain technology. It is necessary to carry out preliminary operations before being able to start compiling the projects:

  • Connect to https://web.manent.appand create a new Scrypta account. Enter a strong password. this account will be the sidechain account owner.

Important: Back up the .sid file and the paper wallet for safety, and remember that you are the ONLY responsible for this data. Keep these files safe OFFLINE.

  • You will need at least 1,001 LYRA to start the sidechain and you will have to pay at least 0.1 LYRA for each citizen or operator account. If you do not have it, please make an official request to the email info@scrypta.foundation.

  • Connect to Planum and create a new sidechain through the appropriate creation tool. We refer to a more detailed guide for any support: https://medium.com/@scryptachain/scrypta-lancia-planum-un-sidechain-layer-per-lemissione-di-tokenized-asset-ee156d300f4d.

These are the recommended parameters for creation:

name: SocialPay - Municipality og ...
ticker: sEUR
decimals: 2
supply: Qty to assign
reissuable: true
burnable: true
  • After you have generated the sidechain you will have to write down the unique address, which you will need to connect the applications to your sidechain. You can find this address on https://planum.dev/#/exploreron the corresponding row, under the column address.

# Compile administration part

The administration software is an electron project. You need to modify the file under admin / config.json by entering the required parameters and you will have to insert the logos of the municipality of reference in the admin / public folder.

After making the changes, you can preview the software using the npm run electron: build command or create the actual build with the npm run electron: build command.

# Compile the web PoS

The web PoS is a VueJS project. You must edit the file under admin / config.json by entering the required parameters and insert the logos of the municipality of reference in the admin / public folder.

After making the changes, you can preview the software with the npm run serve command or create the actual build with the npm run build command.

The dist distribution folder must be published on an Apache server. It is essential that an SSL certificate is installed, we recommend the free service https://letsencrypt.org/.

# Create card wallets

Card wallets are created with the NodeJS script located in the card folder. You need to modify the graphic files in the assets / folder in order to customize the cards for your municipality. The project will generate the number of cards required and only the QR Code to be sent, if necessary, to the printer in the prints / folder.

The out.csv file will also be created, containing all the PINs connected to the cards. This file must be kept jealously offline and will be used to import the personal data into the administration software. To load the personal data, the second column must be deleted.

To generate the cards and the accompanying PIN document, you must edit the config.json file by entering the necessary references and run the command node index.js -g = 100. To change the quantity, it is necessary to modify the number ** 100 ** with the desired quantity. It is very important to make a backup of the prints folder and the out.csv file as these files are deleted with each new generation.

# Contribute to the project

If you want to contribute to the project you can create, in accordance with the municipal will, a copy of the project and request the insertion of the code via Pull Request in the dedicated github:

SocialPay Github.

Inside the folders you will find a config.json file that allows you to configure the basic parameters. These include graphic changes, titles and allow you to connect the sidechain through a unique address.

We recommend that you fork this project and add your municipality to highlight all contributors to the project. If you cannot find the folder for your region, you will have to create it yourself.

At the end of the process of adding and creating the project for your municipality, you can request the addition in the official repository via pull request.

# Support

If you need help integrating the project or find bugs to solve, you can open an issue on github socialpay, write to info@scrypta.foundation, or contact us through our social channels. We will reply as soon as possible.

# Video Tutorial

Shopping vouchers? Stop wasting! We use BLOCKCHAIN! by Tiziano Tridico (in Italian)