trade-examples

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What trade is all about

Trade is the act of transacting goods between two parties. Transactions may or may not involve the actual exchange of goods, as they may simply represent an order for goods.

This is an exploratory page to document trade examples currently published around the web. Typically, the metadata associated with this content is stored in non-semantic markup and proprietary formats. The purpose of the studies on this page is to serve as background for the design of a simple distributed trade microformat.

The first part of this page (up to the examples) may fit better on a page simply named "trade". Leif Arne Storset 11:40, 17 Aug 2007 (PDT)

Contents


Why do we need a trade microformat?

There are many examples of financial transactions across the web and in desktop applications, including bank statements, purchase receipts, wishlists, PFM applications, etc. A standardized format would facilitate integration between vendors, financial institutions and applications to provide for far more robust financial accounting integration.

There is no published standard means of communicating trade. As such there are many different implementations, and much parsing occurs at both ends of the equation.

Example

Each of these platforms uses a proprietary means of displaying, structuring and storing the same data. A microformat devoted to trade would provide for easy interoperability between services and applications, facilitating further trade, and simplifying the means of transferring data.

Participants

How people trade today

Current

Human

People use a number of means to track their finances in meatspace.

Consumers use their check registers to track finances. Many times consumers will use a spreadsheet for budgeting, or Quicken / MS Money to track expenditures. Many people track their finances using envelopes to represent discretionary spending within specific categories. People are beginning to use tools like Mvelopes and Wesabe to do an electronic equivalent.

Business use robust financial software to manage their finances. Spreadsheets are common, as is the use of financial ledgers.

Behavior

Web

Trade Examples

Bank of America

Bank of America

Deposit Accounts

Grouped by Account

Markup:

<tr class="module1bkgd3" id="row17">
 <td class="mi" width="6"><a name="skip17"></a><img 
 src="spacer-image-url" alt="" border="0" width="6"></td>
 <td class="mi" width="6">
  <div id="fdi17" class="inline"><a href="some-url" 
  onclick="some-js()" class="linknormal" id="di17"><img 
  id="rtImg17" src="expand-image-url" alt="Expand this 
  form to view and enter additional details for this 
  transaction" align="absmiddle" border="0"></a></div>
 </td>
 <td class="tp" align="left" width="15%">07/31/2007</td>
 <td class="t2" width="36%">
  <div id="dld17" class="inline">
   <a href="some-url" class="linknormal4" title="BANK 
   OF AMERICA DES:PAYROLL ID: INDN:NEWTON CLAY CO 
   ID:1042472499 PPD REF:000478766385121108250007211
   00301576107073122" onclick="some-js()">BANK OF 
   AMERICA DES:PAYROLL ID: INDN:NEWT...</a>
  </div>
 </td>		
 <td class="mi" align="center" width="10%"><img 
 src="deposit-image-url" alt="Deposit"></td>
 <td class="mi" align="center" width="10%">
  <a onclick="some-js()" href="some-url" 
  class="linknormal2" title=""><img id="stat_17" 
  src="status-image-url" alt="Cleared. Select this 
  link to mark transaction as reconciled." border="0"></a>
 </td>
 <td class="mi" align="right" nowrap="nowrap" 
 width="75">
  <div class="statementcolmn2"><span 
  class="textn2">$1,234.56</span></div>
 </td>
 <td class="module1bkgd4" width="1"><img 
 src="spacer-image-url" alt="" height="1" 
 width="1"></td>
 <td class="mi" nowrap="nowrap" width="11%">
  <div class="statementcolmn2">
   <span class="textn2">$8,910.11</span>
  </div>
 </td>
 <td width="10"><img src="spacer-image-url" 
 alt="" border="0" width="10"></td>
</tr>

Keep the Change

Card Accounts

Wells Fargo

Wells Fargo

enter notes here

Citibank

Citibank

enter notes here

ING

ING

enter notes here

Amazon.com

Amazon.com

enter notes here

eBay

Ebay

enter notes here

Paypal

Paypal

enter notes here

Quicken

Quicken

Deposits Accounts

Markup:

<Item>
<PostDt>12/27/2005</PostDt>
<TrDesc>FIREWOOD CAFE-METREON 12/22 CARD #0265 PURCHASE  #24388945357670320615609 SAN FRANCISCO, CA</TrDesc>
<TrAmt>-$10.95</TrAmt>
<TT>D</TT>
<RunningBal>$2,916.63</RunningBal>
</Item>

Quickbooks

enter notes here

Wesabe

Wesabe

<div id="TRANSACTION-ID" class="txaction_display" >
  <div class="merchant_info">
    <div class="date"> Friday, March 23rd </div>
    <div class="merchant" id="TRANSACTION-ID">
      <span class="name"><a href="MERCH-ID">Mojo JOJO</a></span>
      <div class="tags">
      <span class="rating_text">Rating: <span class="user">User</span></span>
      Tags: <a href="TAG-URL">groceries</a>
      </div>
    </div>
  </div>
  <div class="balance">
    <span class="credit">$988.56</span>
  </div>
  <div class="amount">
    <span class="nowrap">-$7.56</span>
  </div>
</div>

Yodlee

enter notes here

Paper Check Example

Hard copy

Consumer Account

See Also

trade-examples was last modified: Friday, February 2nd, 2018

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