Fix issues reported by Josh Soref in Sections 6 and 7.
authorManu Sporny <msporny@digitalbazaar.com>
Thu, 02 Jul 2015 23:44:43 -0400
changeset 769 0daacfc9ea35
parent 768 a83481688e25
child 770 3ec9f1314275
child 773 f5706b9d7495
Fix issues reported by Josh Soref in Sections 6 and 7.
latest/use-cases/index.html
--- a/latest/use-cases/index.html	Wed Jul 01 23:54:29 2015 -0400
+++ b/latest/use-cases/index.html	Thu Jul 02 23:44:43 2015 -0400
@@ -380,9 +380,32 @@
 an offer, negotiation of terms, selection of <a>payment instrument</a>, and
 delivery).
       </dd>
-      <dt><dfn>transaction</dfn></dt>
+      <dt><dfn>three corner model</dfn></dt>
       <dd>
-An exchange of value (e.g., buying or selling something)
+A <a>payment scheme</a> including the following stakeholders: the <a>payer</a>
+(also known as the Card Holder), the Issuer (who has a relationship with
+the <a>payer</a>), the Acceptor and the Acquirer (who has a relationship with
+the Acceptor), but where the Issuer and the Acquirer are the same entity.
+      </dd>
+      <dt><dfn>four corner model</dfn></dt>
+      <dd>
+A <a>payment scheme</a> which includes the following stakeholders:
+the <a>payer</a> (also known as the Cardholder), the Issuer (who has a
+relationship with the Cardholder), the Acceptor and the Acquirer (which
+has a relationship with the Acceptor). The <a>payment scheme</a> defines the
+rules which apply to all parties; there are no limitations as to who may
+join the scheme, as long as the requirements of the scheme are met.
+      </dd>
+      <dt><dfn>push payment</dfn> or <dfn>payer-initiated payment</dfn></dt>
+      <dd>
+A type of <a>transaction</a> where the <a>payer</a> initiates the funds
+transfer to the <a>payee</a>. PayPal is an example of a push payment.
+      </dd>
+      <dt><dfn>pull payment</dfn> or <dfn>payee-initiated payment</dfn></dt>
+      <dd>
+A type of <a>transaction</a> where the <a>payee</a> initiates the funds
+transfer from the <a>payee</a>. A credit card payment is an example of a
+pull payment.
       </dd>
     </dl>
 
@@ -1197,7 +1220,7 @@
         <dl id="uc-need-to-know" class="dl-horizontal">
           <dt>Need to Know</dt>
           <dd>
-PayCo, a payment processor, is required to keep a certain amount of 
+PayCo, a payment processor, is required to keep a certain amount of
 information on their customers
 for anti-money laundering / know your customer regulatory purposes. When a
 <a>payer</a> performs a <a>transaction</a> with a <a>payee</a>, PayCo
@@ -1770,7 +1793,7 @@
           <dt>Motivation</dt>
           <dd>
 Payer-initiated payments, also known as "push payments",
-"three-corner model payments", or "peer-to-peer payments", are fundamentally
+"three corner model payments", or "peer-to-peer payments", are fundamentally
 more secure as no information is given to the <a>payee</a> that would
 allow them or an attacker to replay the <a>transaction</a> for a different
 amount or to a different <a>payee</a> at a later date.
@@ -1814,8 +1837,9 @@
           <dt>Motivation</dt>
           <dd>
 A <a>payee</a> may want to limit access to certain services to only those
-who they know can afford the good or service because the act of engaging the
-<a>payer</a> may be costly.
+who they know can afford the good or service because the act of
+providing an acceptable level of service to the <a>payee</a> during the
+pre-sale phase may be costly.
           </dd>
         </dl>
 
@@ -1947,9 +1971,8 @@
         <dl id="uc-physical-goods" class="dl-horizontal">
           <dt>Physical Goods</dt>
           <dd>
-Giralt orders a bicycle for his daughter through BikeSmart online. The
-bicycle is delivered a few days later with a QRCode attached to the package
-that only Giralt can access.
+Giralt orders a bicycle for his daughter through BikeSmart online and has it
+shipped to his home address.
           </dd>
           <dt>Target version</dt>
           <dd>1.0</dd>
@@ -2000,22 +2023,30 @@
           <dt>Electronic Receipts</dt>
           <dd>
 Ashraf pulls up to a pump at a petrol station. He pays electronically using a
-credit card (via his phone). An electronic receipt for the <a>purchase</a>
-from the gas station is displayed on his phone.
+credit card (via his phone). A machine-readable electronic receipt for
+the <a>purchase</a> from the gas station is transferred to his phone and
+displayed using his favorite expense tracking software.
           </dd>
           <dt>Target version</dt>
           <dd>1.0 (very basic receipt container and delivery protocol)</dd>
           <dt>Motivation</dt>
           <dd>
-Electronic receipts will make it easier to track expenses, prove that
-certain  <a title="purchase">purchases</a> were made, file tax returns, and
-simplify management of unnecessary paper.
+Standardized, machine-readable electronic receipts could make it easier to
+track expenses, prove that certain  <a title="purchase">purchases</a> were
+made, file tax returns, and simplify management of unnecessary paper.
           </dd>
-          <dt>Privacy / Security</dt>
+          <dt>Privacy</dt>
           <dd>
 Many merchants want to ensure that receipts are not readable by any party
 between them and their customer.
           </dd>
+          <dt>Security</dt>
+          <dd>
+Electronic receipts should be tamperproof such that the information can be
+verified to have come from the merchant issuing the receipt. One mechanism
+that could be employed would be the use of digital signatures over the
+contents of the electronic receipt.
+          </dd>
           <dt>Accessibility</dt>
           <dd>
 Protecting digital receipts may have the unintended consequence of degrading
@@ -2070,7 +2101,7 @@
 manager approves. The overcharged funds are returned to his account.
               </li>
               <li>
-Teo claims that a blender they purchased online was faulty and returns
+Teo claims that a blender he purchased online was faulty and returns
 the product to the merchant. The merchant provides the customer with a refund
 in the form of store credit based on the return policy.
               </li>
@@ -2122,7 +2153,7 @@
     <section>
       <h3>Credit Card Payment (Visa, MasterCard)</h3>
       <p>
-This scenario outlines a typical card purchase using the 4 corner model.
+This scenario outlines a typical card purchase using the "four corner model".
 Janet is buying an handbag online from a resale shop.
       </p>
 
@@ -2157,8 +2188,8 @@
 
           <li>
 <strong>Selection of Payment Instruments</strong>: Janet selects her Discover
-points card that highlighted by default because she had used it for a previous
-purchase with the merchant.
+rewards credit card that is highlighted by default because she had used
+it for a previous purchase with the merchant.
           </li>
 
           <li>
@@ -2297,7 +2328,7 @@
           </li>
 
           <li>
-<strong>Delivery of Product</strong>: Terrific-Tools, Inc. ships the ax to Tom.
+<strong>Delivery of Product</strong>: Terrific-Tools ships the ax to Tom.
           </li>
         </ul>
       </section>
@@ -2349,8 +2380,8 @@
           <li>
 <strong>Authentication to Access Instruments</strong>: Meihui logs in the Alipay
 with her account name and password. Meihui is told that she will pay for the
-airline ticket with 600RMB and she confirms it. Meihui uses her fingerprint to
-approve the payment.
+airline ticket with 3,500 RMB and she confirms it. Meihui uses her fingerprint 
+to approve the payment.
           </li>
         </ul>
       </section>