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Personal Account Self Service
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Personal Account Self Service: (PASS)
1. Each person needs their own personal CRM, SRM and associated services. Private Application Secret Service is incorporated.
2. In most cases, the requirements of a person to manage their personal information exceeds that of most business applications.
3. PASS uses a month-to-view diary as the primary user interface. PASS includes Privacy as a Service (PaaS).

Requirement:
1. Diary of scheduled events. Used as a reminder and alarm service. Public holiday overlay.
2. Expense account to record each and every purchase without exception.
3. What did I do task records of planned and actual work done.
4. Birthday, holiday and anniversary overlay to diary as reminder.
6. Address book of every friend, family member and business associate.
7. CRM: Customer name, address, login and account details. Link to invoice statement.
8. Invoicing service for customers.
9. SRM: Supplier (vendor) name, address, login and account details. Link to payment statement.
0. Payment service to suppliers.
5. Inventory of all assets, rentals, leases, insurances, TV, IP, Phone, Domain by supplier.
1. Energy management: reading, consumption, contracts, trends, costs.
2. Vehicle management: car accounts, fuel, mileage, service, trends, costs.
3. VAT Accrual: quarterly return.
4. Tax Accrual: SA100 annual return. Companies House return and authorisation codes.
5. Payroll and pension: monthly return.
6. Business card maker, tile library, image library, screen ruler.
7. ASCII reference chart and codes, year-to-view calendar.
8. Colour chart for web safe color names and numbers.
9. Links to favourite web sites with login details as password manager.
0. Monica active monitoring of messages and requests - email.
1. Document storage in replicated encrypted environment.
2. Photo storage in safe replicated environment.
3. Will, funeral, house, mortage and probate (tax) details.
4. Insurance (house, contents, life, vehicle) details.

Inventory:
1. An inventory of every asset must be recorded with a link to the supplier/vendor SRM.
2. Assets are complax objects that have proven to exceed the reasonable capabilities of a SQL database, so a tag-value structure is deployed.
3. Every asset has a file name that stores an undefined list of tags with values as "tag.equals.value.break..."
4. A text area is used to update a file to match the exact requirements of any asset, explode contents by break as newline-creturn.
5. The inventory table is a list of file name with the kind of asset as a selection critiera.

Invoice Service:
1. Two kinds of invoice are supported as (1) one-off job and (2) regular subscription.
2. When work is done, it is recorded as a job task in the diary with hours, rate and charge for a specific customer.   One or more job tasks may be combined into an invoice with each job shown as an invoiced line item.   Each job task must be updated with the invoice number to ensure that work done is always invoiced.   An expense task such as hotel or meal may be included as an invoiced line by entering the invoice number in the task.   The generated invoice may be printed as a PDF or directly emailed to the customer.
3. A regular subscription invoice is automatically generated on the scheduled date - typically the first day of each calendar month.   A regular invoice may have a fixed amount or a metered amount where the metered amount is derived from other transactions by duration.   The sum of insurance policy sales or energy consumption or revenue billed by duration are typical.   The generated invoice may be printed as a PDF or directly emailed to the customer.

VAT Accrual:
1. VAT for all paid invoices as revenue is accumulated (cash accounting after payment).
2. VAT for purchases and expenses is accumulated as paid.
3. VAT projection for customer invoices not paid shows a potential liability.
4. Monthly management accounts accumulate revenue by date paid and ignore invoices generated but not paid.   Monthly management accounts can show a projected revenue and VAT liability for outstanding invoices.


Privacy as a Service (PaaS):
1. Privacy of certain information is a requirement when the publishing of that information is not acceptable.
2. When data is not protected as private then it will be stolen and published so it can never become private again.
3. Small companies and people with high net worth have information that they need to be kept private and do not want it to be published.   An assumption is that big companies have propriatory privacy protection applications - this may not be true.
4. Privacy as a Service has real commercial benefits because it is easy to protect:-
  Intelectual Property that needs to be kept private.
  Trade secrets and sales targets that needs to be kept private.
  Personal taxation and pension that needs to be kept private.
  Company accounts and VAT returns that needs to be kept private.
  Diary of meetings and tasks that needs to be kept private.
  Staff records that need to be kept private or the company will be fined by ICO.

WikiData:
1. WikiData is a super Google search engine that publishes data, documents and files from anybody for the benefit of humanity.
2. When data has been made available, stolen and leaked by email, that information is published and the web service funded by adverts.
3. WikiData has a large number of domains that publish mirror copies of the data from a large number of data centers in a large number of different countries.   WikiData is self-funded by adverts with a large number of independent operating companies in each country - no holding company exists.
4. If a person wishes to publish a book or their diary, then WikiData is a vehicle for self-published books and data.   The person who uploaded the book may choose to disclose who they are or may choose to register a pseudonym.
5. The dark web has sold personal information for many years, but the publicity involved has been trivial.   Personal information that can be viewed by any competitor on WikiData is a much greater threat with a much greater cost justification for Privacy as a Service.
Observation: ransomware earns millions from small companies with inadequate backup services.   Many more companies have inadequate data privacy that cannot be protected with better backups or good anti-virus tools.   The rise and rise of data theft applications will cause privacy to become a vary valuable requirement.

Threat and Risk Analysis:
1. While many people do not care about privacy, some people would rather have certain data kept private.
2. As a generalisation; people with very little are willing to trade privacy for publicity, while people with a high net worth are willing to pay to keep certain data private.
3. People with a high net worth include small companies, agencies and firms with data they do not want to be published and viewed by competitors.
Mission: every person with a high net worth and every small company will subscribe to Privacy as a Service (PaaS) because they cannot risk their personal data being published for competitors to view.

Document Control.
1. Document Title: Personal Account Self Service.
2. Description: Personal Account Self Service.
3. Keywords: Personal Account Self Service.
4. Privacy: Shared with approved people for the benefit of humanity.
5. Edition: 1.2.
6. Issued: 24 Nov 2017.