# welcomer.me > AI-optimized mirror of welcomer.me containing 25 pages totalling 27,813 words of clean markdown content, structured data, and semantic HTML. Original source: https://welcomer.me/. Last updated: 2026-06-15T22:11:01.933Z. Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG). ## Homepage - [Pre Power One Co-op](/content/site-root.html) (467 words) ## Articles & Blog Posts - [Kevin Cox and Lisa Schutz](/content/welcomer/blog/2015/9/7/single-customer-view-through-direct-connections-the-pathway-to-a-more-streamlined-online-experience.html): Kevin Cox and Lisa Schutz The Problem – Billions In Misdirected Activity The problem of not having a clear view of customers across organisations or groups of organisations such as Government departments, costs billions a year. The cost occurs in three ways, the billions in misdirected services th, (2,538 words) - [Distributed Ledgers](/content/welcomer/blog/2015/11/30/why-electronic-permanent-identities-are-important/index.html): Each time we establish a relationship with an organisation with the use of a usercode/password we create a permanent electronic identity.  This works well when there are few relationships. It does not work well when we have many relationships and when we need to coordinate activities across, (635 words) - [What is Welcomer?](/content/welcomer/blog/2015/10/26/welcomer-a-primitive-prefrontal-cortex-for-electronic-memories.html): The most typical psychological  term for functions carried out by the prefrontal cortex area is executive function . Executive function relates to abilities to differentiate among conflicting thoughts, determine good and bad, better and best, same and different, future consequences of c, (1,525 words) - [Do you want to live in a country where housing is affordable?](/content/welcomer/blog/2016/5/23/rent-and-buy/index.html): Do you want to live in a country where housing is affordable? Do you want a safe place to invest your savings? Do you want to make it difficult for Real Estate speculators? Do you want to see fewer people without homes? Do you want to pay less to buy a home? If you want any of these then please, (1,149 words) - [Welcomer Technology](/content/welcomer/blog/2015/11/30/welcomer-as-a-keystone-technology/index.html): This post uses terminology from the article, S trategy as Ecology by Iansiti and Levien .  Welcomer, is a KeyStone technology for platforms. The platforms build on top of any set of datastores and the applications that created them.  Keystones can increase ecosystem prod, (684 words) - [Centralized Identity Systems](/content/welcomer/blog/2016/3/13/ap8hs33he0052dvvo919t602zp8n1n/index.html): Centralized Identity Systems Identity systems provide organizations with tools to manage relationships with individuals.  The identity tools for a single organization are well known and work well. These identity systems are centralized around organizations. A way to provide identi, (752 words) - [The Financial System and Money Markets](/content/welcomer/blog/2016/5/13/reducing-the-cost-of-the-financial-system/index.html): The Financial System regulates the distribution of Capital. It does this through Money Markets. Economists justify using Money Markets as a regulator by assuming the Efficient Market Hypothesis holds. This hypothesis says that an unfettered market is an efficient way to distribute resources.&nb, (776 words) - [Understanding Information Systems](/content/welcomer/blog/2016/1/12/a-description-of-identic/index.html): Written descriptions and stories are sequential.  Complex systems are parallel systems where many threads happen at the same time. Non cognitive thought is parallel but we describe in sequence. This leads to difficulties.  Our information systems work in parallel.  Differe, (529 words) - [Low Cost Envestment Loans with Welcomer — Welcomer](/content/welcomer/blog/2016/6/16/low-cost-envestment-loans-with-welcomer/index.html): Michael Hudson in his book - Killing the Host: How Financial Parasites and Debt Bondage Destroy the Global economy  gives good evidence that the financial system is killing the real economy.  Envesting Loans replace bank debt and remove the interest charges taken by Financial Para, (400 words) - [Scaling Identity — Welcomer](/content/welcomer/blog/2016/1/5/scaling-identity/index.html): Centralisation is the common approach to the provision of electronic identity.  We have single signon, OpenID, Personal Clouds, Google ID, Facebook, Apple ID and ID Cards.  All these use the idea that a person has a single identity.  We attempt to scale this by using the s, (439 words) - [Suggested Approach](/content/welcomer/blog/2015/10/26/a-proposal-to-combine-change-of-contact-details-with-verification-of-identity.html): Welcomer is able to rationalise a person's contact details across an organisation and at the same time verify their identity. When a person is asked to verify their identity all the existing contact details from all the databases within the organisation are collated and compared.  If the ev, (576 words) - [The Functions of the APIs](/content/welcomer/blog/2015/08/09/an-api-for-personal-data/index.html): With the Welcomer approach any organisation can provide APIs for use by applications to access personal data held by the organisation.  The API and associated personal data for an organisation is controlled and approved by the organisation. Personal data across applications can be linked by the indi, (728 words) - [A Stable Financial System](/content/welcomer/blog/2016/5/5/evolving-a-stable-financial-system/index.html): A Stable Financial System A stable financial system is one where money retains its value. Inflation or shocks in one area of the financial system has little or no effect on other areas.  It is one where credit created for a project remains unaffected by financial events external to the pro, (627 words) - [Distributed Identity System](/content/welcomer/blog/2016/3/17/build/index.html): A distributed identity system connects existing electronic identities. It evolves from the connections made with applications. Initially there is no decentralised identity. The identity system emerges from the use of applications that use the connections. An electronic identity gives an in, (362 words) - [BlockChain a new economic model](/content/welcomer/blog/2015/9/21/blockchains-and-welcomer/index.html): The article " BlockChain a new economic model " describes how a Distributed Consensus Ledger can create new economic opportunities and new economic models.   BlockChains are a method of implementing Distributed Ledgers.  Welcomer  is another way.  A Dis, (276 words) - [Conventional approaches](/content/welcomer/blog/2015/10/26/a-single-member-view/index.html): Normal 0 false false false EN-AU JA X-NONE , (422 words) - [Introduction](/content/welcomer/blog/2016/6/16/low-cost-identities-with-welcomer/index.html): Most systems identify people via identity providers. Another entity gives a person an identity.  That identity is now used by others. For example, the government provides us with a many identities and we use them with others. This approach applies to any identified thing. So we identify hou, (347 words) - [Identic Identities](/content/welcomer/blog/2016/1/11/identic-reliability/index.html): Identic identities are reliable because of continuous checking.  Let us assume we have a person with identities with 6 organizations.  There five different data elements used for identification. The table shows the data elements in each of the organizations. A,B,C B,C,D A,, (265 words) - [Entities in Internet Systems](/content/welcomer/blog/2016/9/12/sharing-data-with-welcomer/index.html): Entities in Internet systems connect with data elements. In a simple case, a system connects A with B using a data element X. Both A and B store the data they transfer. With Welcomer a copy of X is stored with either A or B or with Welcomer. Let us assume A connects to C with the same data element X, (192 words) - [Sharing Data with Welcomer](/content/sitemap-xml.html) (480 words) - [Single SignOn Compared to Welcomer — Welcomer](/content/welcomer/blog/2015/12/8/single-signon-versus-welcomer/index.html): The world of personal electronic identity is dominated by the idea of an Identity. A person's electronic identity is a single thing. Within a single organisation it is expressed by the idea of Single Signon.  Across multiple organisations it expresses itself as OpenId. Welcomer has a diffe, (333 words) - [How it works](/content/welcomer/index.html) (12,894 words) - [Want to know if you can trust my credit card? Ask my fridge — Welcomer](/content/welcomer/blog/2015/09/01/want-to-know-if-you-can-trust-my-credit-card-ask-my-fridge.html): My fridge is quite smart in a dumb sort of way.  It knows a lot about me. It knows where I live, because we cohabitate. It knows that I was at home at 7:30 this morning because it sensed my fingerprints when I opened the door and used the last of the milk.  It knows where I am because it has a direc, (147 words) - [Chris Ellis's Idea for Content Payment Using Bitcoin](/content/welcomer/blog/2016/1/10/protip-and-payments-for-content/index.html): Chris Ellis has a great idea for content payment using bitcoin. It is a two sided market connected with Open Source Software and bitcoin. https://www.youtube.com/watch?v=uL4g4TGEaXY Unfortunately I will not use ProTip in its present form because it uses bitcoins.  For various reasons I , (270 words) ## Resources - [Full Page Index](/index.html): Browse all cached pages with rich metadata - [About This Cache](/content/about.html): Methodology, technical details, and usage guidelines - [XML Sitemap](/sitemap.xml): Machine-readable sitemap for crawler discovery - [Robots.txt](/robots.txt): Crawler directives