Migrate payment-agent to capabilities. Update doc.
authorManu Sporny <msporny@digitalbazaar.com>
Wed, 10 Jun 2015 12:15:20 -0400
changeset 740 d15f41ac8868
parent 739 da250feac10c
child 741 81d06ce0aed4
Migrate payment-agent to capabilities. Update doc.
latest/capabilities/images/image5.tiff
latest/capabilities/images/model_1A_user_agent_pass_thru.svg
latest/capabilities/images/model_1B_out_of_band_proof_of_payment.svg
latest/capabilities/images/model_2A_payer_initiated_wallet_access.svg
latest/capabilities/images/model_2B_sso_via_payee_site.svg
latest/capabilities/images/model_3_P2P_Payment_Proximity.svg
latest/capabilities/images/paygent_connect.svg
latest/capabilities/images/paygent_detailed.svg
latest/capabilities/images/paygent_simple.svg
latest/capabilities/images/paygentbase.svg
latest/capabilities/index.html
latest/payment-agent/images/image5.tiff
latest/payment-agent/images/model_1A_user_agent_pass_thru.svg
latest/payment-agent/images/model_1B_out_of_band_proof_of_payment.svg
latest/payment-agent/images/model_2A_payer_initiated_wallet_access.svg
latest/payment-agent/images/model_2B_sso_via_payee_site.svg
latest/payment-agent/images/model_3_P2P_Payment_Proximity.svg
latest/payment-agent/images/paygent_connect.svg
latest/payment-agent/images/paygent_detailed.svg
latest/payment-agent/images/paygent_simple.svg
latest/payment-agent/images/paygentbase.svg
latest/payment-agent/index.html
Binary file latest/capabilities/images/image5.tiff has changed
--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
+++ b/latest/capabilities/images/model_1A_user_agent_pass_thru.svg	Wed Jun 10 12:15:20 2015 -0400
@@ -0,0 +1,3 @@
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+++ b/latest/capabilities/images/model_1B_out_of_band_proof_of_payment.svg	Wed Jun 10 12:15:20 2015 -0400
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transform="translate(785.50183 238.78004)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x=".9560547" y="9" textLength="81.043945">Goods and Services</tspan></text><text transform="translate(818.13553 275.14583)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x="19.795907" y="9" textLength="28.516113">Invoice</tspan></text><path d="M 904.3407 276.13513 C 904.3407 273.57742 904.05494 273.26098 901.9676 270.72973 L 901.94556 270.70354 C 899.8472 268.14583 899.8254 268.14583 897.6719 268.14583 C 894.8045 268.14583 881.8407 268.14583 881.8407 268.14583 L 881.8407 295.14583 L 904.3407 295.14583 L 904.3407 276.13513 Z" fill="white"/><path d="M 904.3407 276.13513 C 904.3407 273.57742 904.05494 273.26098 901.9676 270.72973 L 901.94556 270.70354 C 899.8472 268.14583 899.8254 268.14583 897.6719 268.14583 C 894.8045 268.14583 881.8407 268.14583 881.8407 268.14583 L 881.8407 295.14583 L 904.3407 295.14583 L 904.3407 276.13513 Z M 904.3407 276.00337 C 904.3407 273.57742 904.31864 273.57742 899.8254 273.57742 L 899.8254 273.57742 C 899.8254 268.1723 899.8254 268.14583 897.80376 268.14583" stroke="black" stroke-linecap="round" stroke-linejoin="round" stroke-width="1"/><rect x="873.1115" y="253.16667" width="39.3125" height="39.3125" id="path"/><clipPath id="clip_path"><use xl:href="#path"/></clipPath><g clip-path="url(#clip_path)"><image xl:href="image5.tiff" width="256" height="256" transform="translate(873.1115 253.16667) scale(.15356445)"/></g><text transform="translate(767.43933 58.666667)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x=".48388672" y="9" textLength="30.032227">Legend</tspan></text><path d="M 877.8011 450.2668 L 904.94755 450.2668 L 904.94755 469.26933 L 877.8011 469.26933 Z" stroke="silver" stroke-linecap="round" stroke-linejoin="round" stroke-width="1" stroke-dasharray="4,4"/><rect x="877.4137" y="450.2668" width="15.75" height="6.75" fill="#c6f"/><rect x="877.4137" y="450.2668" width="15.75" height="6.75" stroke="silver" stroke-linecap="round" stroke-linejoin="round" stroke-width="1"/><text transform="translate(797.44755 450.20758)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x=".97265625" y="9" textLength="68.027344">Payment Service</tspan></text><ellipse cx="176.16667" cy="465.66312" rx="10.100889" ry="10.03814" fill="#535353"/><text transform="translate(171.08597 459.66312)" fill="white"><tspan font-family="Helvetica" font-size="10" font-weight="bold" fill="white" x="2.2999364" y="10" textLength="5.5615234">1</tspan></text><text transform="translate(198.73958 457.70125)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="9" textLength="311.65137">Sally (Payer) is shopping on-line at Happy Co. on a computer via web browser</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="42" textLength="459.25488">Sally (Payer) selects what she would like to buy by adding them to her cart and also indicates that she has coupons</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="64" textLength="42.020508">Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="41.862305" y="64" textLength="15.495117">s W</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="57.19922" y="64" textLength="372.68701">eb-Site uses the cart information and loyalty information to request an invoice from Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="429.72803" y="64" textLength="45.017578">s Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="474.25342" y="64" textLength="23.519531">Agent</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="86" textLength="42.020508">Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="41.862305" y="86" textLength="45.017578">s Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="86.387695" y="86" textLength="192.11572">Agent generates a standard formatted Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="278.01123" y="86" textLength="144.07031">Agent Invoice with a URI that specifi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="422.08154" y="86" textLength="39.019043">es where </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="97" textLength="19.010742">confi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="19.010742" y="97" textLength="179.61328">rmation of payment should be sent once paid</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="119" textLength="123.57422">Once generated, by Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="123.416016" y="119" textLength="160.08398">s Payment agent it is presented to Sally’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="283.3418" y="119" textLength="60.5083">s (Payer) User </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="343.3579" y="119" textLength="119.04785">Agent (Browser) which identifi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="462.40576" y="119" textLength="55.032715">es the invoice</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="130" textLength="57.52881">as a Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="57.03662" y="130" textLength="57.03662">Agent Invoice.</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="152" textLength="21.506836">Sally’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="21.348633" y="152" textLength="493.74316">s user agent presents a “Pay” button , which sally clicks.  Because this is a payment agent generated URI, Sally is prompted</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="163" textLength="524.30273">redirected to her cloud wallet provider and asked to authenticate and authorize the payment. (NOTE: before shopping at Happy CO,</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="174" textLength="116.063965">Sally signed up for Cloud Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="115.90576" y="174" textLength="205.0752">s wallet service which assisted her in correctly confi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="320.98096" y="174" textLength="199.1206">guring her user agent to connect to the Cloud CO </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="185" textLength="47.02588">cloud wallet</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="207" textLength="239.63818">Once Sally authenticates and authorizes the payment, Sally’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="239.47998" y="207" textLength="113.5459">s Cloud Co wallet (Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="352.5337" y="207" textLength="92.557617">Agent) connects to the </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="218" textLength="405.71191">Payment Service that Sally chose by selecting her preferred instrument and executes the transaction. </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="240" textLength="316.64355">The Payment Service uses the URI from the original invoice to notify Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="316.48535" y="240" textLength="238.13525">s payment system that the payment has been received and </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="251" textLength="38.021484">also notifi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="38.021484" y="251" textLength="217.13379">es Sally that her payment has been sent and received.</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="284" textLength="173.58838">Once Happy Co receives the payment confi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="173.58838" y="284" textLength="74.518066">rmation from Sally’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="247.94824" y="284" textLength="305.63086">s Payment Serivce, it will ship sally her order along with notifying her with a fi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="553.5791" y="284" textLength="12.010254">nal</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="295" textLength="19.010742">confi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="19.010742" y="295" textLength="32.510742">rmation.</tspan></text><ellipse cx="176.16667" cy="496.03812" rx="10.100889" ry="10.03814" fill="#535353"/><text transform="translate(171.08597 490.03812)" fill="white"><tspan font-family="Helvetica" font-size="10" 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--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
+++ b/latest/capabilities/images/model_2A_payer_initiated_wallet_access.svg	Wed Jun 10 12:15:20 2015 -0400
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--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
+++ b/latest/capabilities/images/model_2B_sso_via_payee_site.svg	Wed Jun 10 12:15:20 2015 -0400
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font-weight="500" x="54.25" y="28" textLength="18.675781">Adler</tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="72.48828" y="28" textLength="124.50781">, Federal Reserve Bank of Chicago</tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="0" y="38" textLength="180.98828">Copyright 2015 Federal Reserve Bank of Chicago. </tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="180.55078" y="38" textLength="72.472656">All Rights Reserved.</tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="0" y="48" textLength="234.78516">Proprietary Information of the Federal Reserve Bank of Chicago – </tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="0" y="58" textLength="152.96875">Subject to Use and Publication Restrictions</tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="0" y="68" textLength="5.3359375">V</tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" 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y1="293.85038" x2="500.37124" y2="362.84478" marker-end="url(#FilledArrow_Marker)" marker-start="url(#FilledArrow_Marker_2)" stroke="black" stroke-linecap="round" stroke-linejoin="round" stroke-width="1"/><path d="M 50.141973 672.3555 L 514.385 672.3555 C 519.35557 672.3555 523.385 676.38496 523.385 681.3555 L 523.385 706.9561 C 523.385 711.9267 519.35557 715.9561 514.385 715.9561 L 50.141973 715.9561 C 45.17141 715.9561 41.141973 711.9267 41.141973 706.9561 L 41.141973 681.3555 C 41.141973 676.38496 45.17141 672.3555 50.141973 672.3555 Z" fill="white"/><path d="M 50.141973 672.3555 L 514.385 672.3555 C 519.35557 672.3555 523.385 676.38496 523.385 681.3555 L 523.385 706.9561 C 523.385 711.9267 519.35557 715.9561 514.385 715.9561 L 50.141973 715.9561 C 45.17141 715.9561 41.141973 711.9267 41.141973 706.9561 L 41.141973 681.3555 C 41.141973 676.38496 45.17141 672.3555 50.141973 672.3555 Z" stroke="black" stroke-linecap="round" stroke-linejoin="round" stroke-width="1"/><text transform="translate(46.141973 672.3555)" fill="black"><tspan font-family="Helvetica" font-size="8" font-weight="500" fill="black" x="0" y="8" textLength="76.03125">Remote Server Layer</tspan></text><path d="M 301.90387 684.50892 L 377.66452 684.50892 C 382.63508 684.50892 386.66452 688.53836 386.66452 693.50892 L 386.66452 696.64573 C 386.66452 701.6163 382.63508 705.64573 377.66452 705.64573 L 301.90387 705.64573 C 296.9333 705.64573 292.90387 701.6163 292.90387 696.64573 L 292.90387 693.50892 C 292.90387 688.53836 296.9333 684.50892 301.90387 684.50892 Z" fill="white"/><path d="M 301.90387 684.50892 L 377.66452 684.50892 C 382.63508 684.50892 386.66452 688.53836 386.66452 693.50892 L 386.66452 696.64573 C 386.66452 701.6163 382.63508 705.64573 377.66452 705.64573 L 301.90387 705.64573 C 296.9333 705.64573 292.90387 701.6163 292.90387 696.64573 L 292.90387 693.50892 C 292.90387 688.53836 296.9333 684.50892 301.90387 684.50892 Z" stroke="black" stroke-linecap="round" 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--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
+++ b/latest/capabilities/images/paygent_simple.svg	Wed Jun 10 12:15:20 2015 -0400
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--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
+++ b/latest/capabilities/images/paygentbase.svg	Wed Jun 10 12:15:20 2015 -0400
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--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
+++ b/latest/capabilities/index.html	Wed Jun 10 12:15:20 2015 -0400
@@ -0,0 +1,412 @@
+<!DOCTYPE html>
+<html>
+  <head>
+    <title>Web Payments: Capabilities 1.0</title>
+    <meta http-equiv='Content-Type' content='text/html;charset=utf-8'/>
+    <script src='../respec-w3c-common.js' class='remove'></script>
+    <script src='../respec-webpayments.js' class='remove'></script>
+    <script class='remove'>
+var respecConfig = {
+    // specification status (e.g. WD, LCWD, NOTE, etc.). If in doubt use ED.
+    specStatus:           "ED",
+
+    // the specification's short name, as in http://www.w3.org/TR/short-name/
+    shortName:            "web-payments-capabilities",
+
+    // if you wish the publication date to be other than today, set this
+    // publishDate:  "2009-08-06",
+
+    // if there is a previously published draft, uncomment this and set its YYYY-MM-DD date
+    // and its maturity status
+    // previousPublishDate:  "1977-03-15",
+    // previousMaturity:  "CG-DRAFT",
+
+    // if there a publicly available Editor's Draft, this is the link
+    edDraftURI:           "dvcs.w3.org/hg/webpayments/raw-file/default/latest/capabilities/index.html",
+
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+
+    // if you want to have extra CSS, append them to this list
+    // it is recommended that the respec.css stylesheet be kept
+    //extraCSS:             [],
+
+    // editors, add as many as you like
+    // only "name" is required
+    editors:  [{
+      name: "Pat Adler",
+      url: "https://www.linkedin.com/pub/patrick-adler/2/730/2b4",
+      company: "Federal Reserve Bank of Chicago",
+      companyURL: "http://www.federalreserve.gov/"
+    }, {
+      name: "Adrian Hope-Bailie",
+      url: "https://www.linkedin.com/in/adrianhopebailie",
+      company: "Ripple Labs", companyURL: "https://www.telekom.com/"
+    }, {
+      name: "Ian Jacobs", url: "http://www.w3.org/People/Jacobs/",
+      company: "W3C", companyURL: "http://www.w3.org"
+    }, {
+      name: "Manu Sporny", url: "https://manu.sporny.org",
+      company: "Digital Bazaar", companyURL: "http://digitalbazaar.com/"
+    }],
+
+    // authors, add as many as you like.
+    // This is optional, uncomment if you have authors as well as editors.
+    // only "name" is required. Same format as editors.
+
+    authors:  [{
+      name: "Patrick Adler",
+      url: "",
+      company: "Federal Reserve Bank of Chicago",
+      companyURL: ""
+    }, {
+      name: "Adrian Hope-Bailie",
+      url: "",
+      company: "Ripple Labs",
+      companyURL: ""
+    }, {
+      name: "Ian Jacobs",
+      url: "",
+      company: "W3C",
+      companyURL: ""
+    }, {
+      name: "Manu Sporny",
+      url: "",
+      company: "Digital Bazaar",
+      companyURL: ""
+    }, {
+      name: "Jörg Heuer",
+      url: "",
+      company: "Deutsche Telekom",
+      companyURL: ""
+    },  {
+      name: "David Ezell",
+      url: "",
+      company: "National Association of Convenience Stores (NACS)",
+      companyURL: ""
+    }, {
+      name: "Dave Raggett",
+      url: "",
+      company: "W3C",
+      companyURL: ""
+    }, {
+      name: "Katie Haritos-Shea",
+      url: "",
+      company: "W3C Invited Expert",
+      companyURL: ""
+    }],
+
+    // maximum level of table of contents
+    maxTocLevel: 3,
+
+    // name of the WG
+    wg:           "Web Payments Interest Group",
+
+    // URI of the public WG page
+    wgURI:        "http://www.w3.org/blog/wpig/",
+
+    // name (with the @w3c.org) of the public mailing to which comments are due
+    wgPublicList: "public-webpayments-comments@w3.org",
+
+    // URI of the patent status for this WG, for Rec-track documents
+    // !!!! IMPORTANT !!!!
+    // This is important for Rec-track documents, do not copy a patent URI from a random
+    // document unless you know what you're doing. If in doubt ask your friendly neighbourhood
+    // Team Contact.
+    wgPatentURI:  "http://www.w3.org/2004/01/pp-impl/73816/status",
+
+    preProcess: [ webpayments.preProcess ]/*,
+    alternateFormats: [ {uri: "diff-20111214.html", label: "diff to previous version"} ],
+    */
+};
+    </script>
+  </head>
+<body>
+  <section id='abstract'>
+    <p>
+Payments and the ability to exchange value efficiently and securely over the
+web are critical to global commerce. Open standards for payments and value
+exchange help ensure open access and interoperability to financial systems for
+all the people that use the Web. This document describes aset of capabilities
+that, if standardized, will improve payments on the Web.
+    </p>
+  </section>
+
+  <section id='sotd'>
+    <p>
+This document is in early draft state and is expected to rapidly evolve
+based on broad feedback and input from the Web Payments Interest Group.
+    </p>
+  </section>
+
+  <section id="relationships">
+    <h2>Relationship to Other Documents</h2>
+    <p>In addition to this document, the Web Payments Interest Group is
+    developing:</p>
+
+    <ul>
+      <li>A <a href="https://www.w3.org/Payments/IG/wiki/Payment_Agent_Task_Force/Vision">
+      Vision for Web Payments</a> describes the desirable properties of a Web
+      payments architecture.</li>
+
+      <li><a href="http://www.w3.org/TR/web-payments-use-cases/">
+      Web Payments Use Cases 1.0</a> is a prioritized list of Web payments
+      scenarios that the Interest Group expects to address via the capabilities
+      described in this document. The use cases establish a scope of work and a
+      deeper analysis of implied requirements (technical, regulatory, etc.) will
+      inform future standardization work.</li>
+
+      <li>A <a href="https://www.w3.org/Payments/IG/wiki/Roadmap">
+      Roadmap</a> proposes which groups (in or outside of W3C) should take
+      the lead on creating standards for these capabilities.</li>
+    </ul>
+  </section>
+
+  <section id="overview">
+    <h1>Overview of Capabilities</h1>
+
+    <p>Capabilities are functionalities necessary to implement payments on the
+    Web. We include capabilities specific to payments but also capabilities that
+    support payments (such as security) and capabilities more broadly related to
+    commerce, as it is important to understand the full context in which payments
+    occur.</p>
+
+    <p>We organize capabilities into five groups.</p>
+
+    <ol>
+      <li>
+        <strong>Security Core</strong> - These capabilities provide the security
+        foundation for payments.
+        <div style="margin-left:2em;"><strong>Capabilities</strong>: Key Creation and
+        Management, Cryptographic Signatures, Encryption</div>
+        <div class="issue">Right now this group has
+        only security capabilities in it. We may wish to have a more general
+        purpose Core set. If so, what would this core set include?</div>
+      </li>
+      <li>
+        <strong>Trust and Identity - </strong>Includes features related to establishing
+        trust among parties, and credentialing or authorization of parties involved
+        in a transaction.
+        <div style="margin-left:2em;"><strong>Capabilities</strong>:
+        Identity, Credentials, Rights, Authentication, Authorization, Privacy, Discovery,
+        Registration, Enrollment, and Legal/Regulatory concerns.</div>
+      </li>
+      <li>
+        <strong>Accounts and Settlement - </strong>Includes capabilities related to
+        managing stores of value (such as Deposit Accounts) and recorded accounts
+        of ownership (such as Ledger entries, Deeds, etc.) used as part of the
+        settlement of payments or commercial exchanges. Settlement via the Web
+        involves access to the accounts of the participants and ledgers of the
+        account providers and capabilities to manage accounts and capture and
+        monitor transactions in a ledger against those accounts.<br />
+        <div style="margin-left:2em;"><strong>Capabilities</strong>:
+        Accounts, Ledgers, and Legal/Regulatory
+        concerns related to accounting and recorded ownership.</div>
+      </li>
+      <li>
+        <strong>Payments and Clearing - </strong>These are the capabilities that help
+        parties in a transaction establish the mechanics of how the payment will be
+        executed and the directly or indirectly make this happen. This involves the
+        ability to discover and negotiate the mechanism that will be used to
+        execute the payment and agree on the terms including facts such as the
+        costs of making the payment, time between clearing of the payment and
+        settlement into the payee’s account, regulatory requirements and required
+        authorisations.
+        <div style="margin-left:2em;"><strong>Capabilities</strong>:
+        Funding, Payment, Messaging, Clearing, Markets, Foreign/Currency
+        Exchange, and Legal/regulatory concerns specific to Payments and
+        Exchange of Value.</div>
+      </li>
+      <li>
+        <strong>Commerce - </strong>Includes capabilities related to commercial and
+        economic interactions.
+        <div style="margin-left:2em;"><strong>Capabilities</strong>:
+        Offers, Invoicing, Receipts, Loyalty, Rewards,
+        Contracts, Lending, Insurance, Taxation, Legal/Regulatory concerns related
+        to aspects of commercial and economic interactions.</div>
+      </li>
+    </ol>
+
+    <p>The Interest Group anticipates that these groups will make it easier to
+    define modules that may be reused at a variety of times in a payment
+    transaction, to prioritize capabilities and craft charters for groups to
+    standardize them, and to communicate the group’s plans with other standards
+    bodies and organizations.</p>
+
+    <p class="note">Some of these capabilities are expected be useful outside of payment
+    scenarios.</p>
+  </section>
+
+  <section>
+    <h2>Capabilities in Context</h2>
+
+    <section>
+      <h3>Digital Wallets and Payment Agents</h3>
+
+      <p>Although the capabilities described in this document may be used and
+      composed in a variety of ways to fulfill payments use cases, the Interest Group
+      anticipates that in many cases, they will be packaged in “payment agents” (or
+      “digital wallets”) that act as a bridge between the merchant, the user, and the
+      user’s account providers.</p>
+    </section>
+
+    <section>
+      <h3>Payment Service Providers</h3>
+
+      <p>The roles illustrated here may be carried out by many different entities.
+      For example, "account provider" may be carried out by financial institutions,
+      mobile operators, tech companies, or cryptocurrency systems; “payee” may be an
+      individual, a business, an NGO, or any entity that can accept a payment.</p>
+
+      <p>A payment may involve just two parties (e.g., peer-to-peer) or may be
+      carried out by several collaborating parties. For instance, a payee may use a
+      payment service provider which in turn uses a card network. The actions of
+      these intermediaries may vary, from simply forwarding messages to fulfilling
+      regulatory obligations. Additionally, these interactions may happen in
+      different sequences and direction depending on the payment context.</p>
+    </section>
+
+    <section>
+      <h3>Payment Interactions</h3>
+
+    <p>To simplify and harmonize the descriptions of capabilities necessary for
+    payments and value exchange on the Web, it is helpful to understand the parties
+    involved and the direction that information flows among them at various
+    <a href="http://www.w3.org/TR/web-payments-use-cases/#an-overview-of-the-payment-phases">
+    phases</a> of a payment. We use the following diagram to help illustrate
+    roles and information flow:</p>
+
+    <p>@@@ Figure: Payment Interaction Wheel @@@</p>
+
+    <p>For example, the following diagrams illustrate three interactions in a
+    comment payment scenario.</p>
+
+    <p><span><img alt="Request for Payment.png" src="images/image03.png" title=
+    "" /></span></p>
+
+    <p>Interaction 1:</p>
+
+    <p>Payee communicates request for payment to payer and shares payment
+    instructions</p>
+
+    <p><span><img alt="Payer-PayeeService Provider.png" src="images/image02.png"
+    title="" /></span></p>
+
+    <p>Interaction 2:</p>
+
+    <p>Payer uses information received from Payee and creates a new payment
+    request from Payment Service Provider with stored value.</p>
+
+    <p><span><img alt="PSPtoPSP.png" src="images/image04.png" title=
+    "" /></span></p>
+
+    <p>Interaction 3:</p>
+
+    <p>Payer’s Payment Service Provider sends details to complete payment to
+    Payee’s</p>
+
+    </section>
+
+  </section>
+
+  <section>
+    <h2>Capabilities in Detail</h2>
+
+    <section>
+      <h3>Security Core</h3>
+
+      <p class="issue">Describe any key concepts/relationship to other capabilities here...</p>
+
+      <section>
+        <h4>Key Management</h4>
+
+        <p>All participants require an interchangeable mechanism for creation,
+        management, storage and exchange of cryptographic keys</p>
+
+        <p>Key management capabilities are required to:</p>
+
+        <ol>
+          <li>Securely communicate unique identifiers of payment process
+          participants</li>
+
+          <li>Digitally sign and authenticate information exchanged as part of the
+          payments process (ex. payments, receipts, invoices, etc.)</li>
+
+          <li>Provide reference key for independent elements of the payments process to
+          compose/link transactions and related data across asynchronous segments of
+          the payment process</li>
+        </ol>
+      </section>
+
+      <section>
+        <h4>Cryptographic Signatures</h4>
+
+        <p>Information transferred should be cryptographically signed to ensure</p>
+
+        <ol>
+          <li>Authenticity of the participants and ownership of value/asset being
+          transferred or exchanged</li>
+
+          <li>Nonrepudiation of participants intent related to information /
+          communication being exchanged</li>
+        </ol>
+      </section>
+
+      <section>
+        <h4>Suggested Deliverables</h4>
+        <ul>
+          <li>Data model with a concrete syntax for expressing data in the
+          architecture</li>
+
+          <li>Web-based key public key infrastructure data formats and protocols</li>
+
+          <li>New normalization mechanisms for data model serialization (if necessary,
+          for digital signatures)</li>
+
+          <li>Digital signature mechanism for data model</li>
+        </ul>
+
+        <section>
+          <h5>Related Specifications</h5>
+
+          <ul>
+            <li>Data models: Graph (RDF), Document/Tree (JSON, XML)</li>
+
+            <li>Syntaxes: XML, JSON, JSON-LD</li>
+
+            <li>Normalization: XML Canonicalization, RDF Dataset Normalization</li>
+
+            <li>Signatures: Linked Data Signatures, Javascript Object Signing and
+            Encryption, XML Digital Signature</li>
+          </ul>
+        </section>
+
+        <section>
+          <h5>Responsible Working Group(s) or Standards Bodies</h5>
+
+          <ul>
+            <li>Linked Data Signatures Working Group (W3C)</li>
+
+            <li>JOSE (IETF)</li>
+          </ul>
+        </section>
+      </section>
+    </section>
+  </section>
+
+  <section class="appendix">
+    <h2>Acknowledgements</h2>
+
+    <p>
+The editors are thankful to the following contributions from ...
+(in alphabetical order):
+    </p>
+    <p>
+List of contributors/reviewers.
+    </p>
+
+  </section>
+
+  </body>
+</html>
+
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transform="translate(785.50183 238.78004)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x=".9560547" y="9" textLength="81.043945">Goods and Services</tspan></text><text transform="translate(818.13553 275.14583)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x="19.795907" y="9" textLength="28.516113">Invoice</tspan></text><path d="M 904.3407 276.13513 C 904.3407 273.57742 904.05494 273.26098 901.9676 270.72973 L 901.94556 270.70354 C 899.8472 268.14583 899.8254 268.14583 897.6719 268.14583 C 894.8045 268.14583 881.8407 268.14583 881.8407 268.14583 L 881.8407 295.14583 L 904.3407 295.14583 L 904.3407 276.13513 Z" fill="white"/><path d="M 904.3407 276.13513 C 904.3407 273.57742 904.05494 273.26098 901.9676 270.72973 L 901.94556 270.70354 C 899.8472 268.14583 899.8254 268.14583 897.6719 268.14583 C 894.8045 268.14583 881.8407 268.14583 881.8407 268.14583 L 881.8407 295.14583 L 904.3407 295.14583 L 904.3407 276.13513 Z M 904.3407 276.00337 C 904.3407 273.57742 904.31864 273.57742 899.8254 273.57742 L 899.8254 273.57742 C 899.8254 268.1723 899.8254 268.14583 897.80376 268.14583" stroke="black" stroke-linecap="round" stroke-linejoin="round" stroke-width="1"/><rect x="873.1115" y="253.16667" width="39.3125" height="39.3125" id="path"/><clipPath id="clip_path"><use xl:href="#path"/></clipPath><g clip-path="url(#clip_path)"><image xl:href="image5.tiff" width="256" height="256" transform="translate(873.1115 253.16667) scale(.15356445)"/></g><text transform="translate(767.43933 58.666667)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x=".48388672" y="9" textLength="30.032227">Legend</tspan></text><path d="M 877.8011 450.2668 L 904.94755 450.2668 L 904.94755 469.26933 L 877.8011 469.26933 Z" stroke="silver" stroke-linecap="round" stroke-linejoin="round" stroke-width="1" stroke-dasharray="4,4"/><rect x="877.4137" y="450.2668" width="15.75" height="6.75" fill="#c6f"/><rect x="877.4137" y="450.2668" width="15.75" height="6.75" stroke="silver" stroke-linecap="round" stroke-linejoin="round" stroke-width="1"/><text transform="translate(797.44755 450.20758)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x=".97265625" y="9" textLength="68.027344">Payment Service</tspan></text><ellipse cx="176.16667" cy="465.66312" rx="10.100889" ry="10.03814" fill="#535353"/><text transform="translate(171.08597 459.66312)" fill="white"><tspan font-family="Helvetica" font-size="10" font-weight="bold" fill="white" x="2.2999364" y="10" textLength="5.5615234">1</tspan></text><text transform="translate(198.73958 457.70125)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="9" textLength="311.65137">Sally (Payer) is shopping on-line at Happy Co. on a computer via web browser</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="42" textLength="459.25488">Sally (Payer) selects what she would like to buy by adding them to her cart and also indicates that she has coupons</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="64" textLength="42.020508">Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="41.862305" y="64" textLength="15.495117">s W</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="57.19922" y="64" textLength="372.68701">eb-Site uses the cart information and loyalty information to request an invoice from Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="429.72803" y="64" textLength="45.017578">s Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="474.25342" y="64" textLength="23.519531">Agent</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="86" textLength="42.020508">Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="41.862305" y="86" textLength="45.017578">s Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="86.387695" y="86" textLength="192.11572">Agent generates a standard formatted Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="278.01123" y="86" textLength="144.07031">Agent Invoice with a URI that specifi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="422.08154" y="86" textLength="39.019043">es where </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="97" textLength="19.010742">confi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="19.010742" y="97" textLength="179.61328">rmation of payment should be sent once paid</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="119" textLength="123.57422">Once generated, by Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="123.416016" y="119" textLength="160.08398">s Payment agent it is presented to Sally’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="283.3418" y="119" textLength="60.5083">s (Payer) User </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="343.3579" y="119" textLength="119.04785">Agent (Browser) which identifi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="462.40576" y="119" textLength="55.032715">es the invoice</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="130" textLength="57.52881">as a Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="57.03662" y="130" textLength="57.03662">Agent Invoice.</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="152" textLength="21.506836">Sally’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="21.348633" y="152" textLength="493.74316">s user agent presents a “Pay” button , which sally clicks.  Because this is a payment agent generated URI, Sally is prompted</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="163" textLength="524.30273">redirected to her cloud wallet provider and asked to authenticate and authorize the payment. (NOTE: before shopping at Happy CO,</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="174" textLength="116.063965">Sally signed up for Cloud Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="115.90576" y="174" textLength="205.0752">s wallet service which assisted her in correctly confi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="320.98096" y="174" textLength="199.1206">guring her user agent to connect to the Cloud CO </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="185" textLength="47.02588">cloud wallet</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="207" textLength="239.63818">Once Sally authenticates and authorizes the payment, Sally’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="239.47998" y="207" textLength="113.5459">s Cloud Co wallet (Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="352.5337" y="207" textLength="92.557617">Agent) connects to the </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="218" textLength="405.71191">Payment Service that Sally chose by selecting her preferred instrument and executes the transaction. </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="240" textLength="316.64355">The Payment Service uses the URI from the original invoice to notify Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="316.48535" y="240" textLength="238.13525">s payment system that the payment has been received and </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="251" textLength="38.021484">also notifi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="38.021484" y="251" textLength="217.13379">es Sally that her payment has been sent and received.</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="284" textLength="173.58838">Once Happy Co receives the payment confi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="173.58838" y="284" textLength="74.518066">rmation from Sally’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="247.94824" y="284" textLength="305.63086">s Payment Serivce, it will ship sally her order along with notifying her with a fi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="553.5791" y="284" textLength="12.010254">nal</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="295" textLength="19.010742">confi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="19.010742" y="295" textLength="32.510742">rmation.</tspan></text><ellipse cx="176.16667" cy="496.03812" rx="10.100889" ry="10.03814" fill="#535353"/><text transform="translate(171.08597 490.03812)" fill="white"><tspan font-family="Helvetica" font-size="10" 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font-weight="500" x="54.25" y="28" textLength="18.675781">Adler</tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="72.48828" y="28" textLength="124.50781">, Federal Reserve Bank of Chicago</tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="0" y="38" textLength="180.98828">Copyright 2015 Federal Reserve Bank of Chicago. </tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="180.55078" y="38" textLength="72.472656">All Rights Reserved.</tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="0" y="48" textLength="234.78516">Proprietary Information of the Federal Reserve Bank of Chicago – </tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="0" y="58" textLength="152.96875">Subject to Use and Publication Restrictions</tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="0" y="68" textLength="5.3359375">V</tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" 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y1="293.85038" x2="500.37124" y2="362.84478" marker-end="url(#FilledArrow_Marker)" marker-start="url(#FilledArrow_Marker_2)" stroke="black" stroke-linecap="round" stroke-linejoin="round" stroke-width="1"/><path d="M 50.141973 672.3555 L 514.385 672.3555 C 519.35557 672.3555 523.385 676.38496 523.385 681.3555 L 523.385 706.9561 C 523.385 711.9267 519.35557 715.9561 514.385 715.9561 L 50.141973 715.9561 C 45.17141 715.9561 41.141973 711.9267 41.141973 706.9561 L 41.141973 681.3555 C 41.141973 676.38496 45.17141 672.3555 50.141973 672.3555 Z" fill="white"/><path d="M 50.141973 672.3555 L 514.385 672.3555 C 519.35557 672.3555 523.385 676.38496 523.385 681.3555 L 523.385 706.9561 C 523.385 711.9267 519.35557 715.9561 514.385 715.9561 L 50.141973 715.9561 C 45.17141 715.9561 41.141973 711.9267 41.141973 706.9561 L 41.141973 681.3555 C 41.141973 676.38496 45.17141 672.3555 50.141973 672.3555 Z" stroke="black" stroke-linecap="round" stroke-linejoin="round" stroke-width="1"/><text transform="translate(46.141973 672.3555)" fill="black"><tspan font-family="Helvetica" font-size="8" font-weight="500" fill="black" x="0" y="8" textLength="76.03125">Remote Server Layer</tspan></text><path d="M 301.90387 684.50892 L 377.66452 684.50892 C 382.63508 684.50892 386.66452 688.53836 386.66452 693.50892 L 386.66452 696.64573 C 386.66452 701.6163 382.63508 705.64573 377.66452 705.64573 L 301.90387 705.64573 C 296.9333 705.64573 292.90387 701.6163 292.90387 696.64573 L 292.90387 693.50892 C 292.90387 688.53836 296.9333 684.50892 301.90387 684.50892 Z" fill="white"/><path d="M 301.90387 684.50892 L 377.66452 684.50892 C 382.63508 684.50892 386.66452 688.53836 386.66452 693.50892 L 386.66452 696.64573 C 386.66452 701.6163 382.63508 705.64573 377.66452 705.64573 L 301.90387 705.64573 C 296.9333 705.64573 292.90387 701.6163 292.90387 696.64573 L 292.90387 693.50892 C 292.90387 688.53836 296.9333 684.50892 301.90387 684.50892 Z" stroke="black" stroke-linecap="round" 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--- a/latest/payment-agent/images/paygentbase.svg	Wed Jun 10 12:15:00 2015 -0400
+++ /dev/null	Thu Jan 01 00:00:00 1970 +0000
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--- a/latest/payment-agent/index.html	Wed Jun 10 12:15:00 2015 -0400
+++ /dev/null	Thu Jan 01 00:00:00 1970 +0000
@@ -1,251 +0,0 @@
-<!DOCTYPE html> 
-<html> 
-  <head> 
-    <title>Towards a Unified Architecture for Payments on the Web</title> 
-    <meta http-equiv='Content-Type' content='text/html;charset=utf-8'/> 
-    <script src='../respec-w3c-common.js' class='remove'></script> 
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-          shortName:            "web-payments-payment-agent",
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-          // publishDate:  "2009-08-06",
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-          wgPublicList: "public-webpayments-comments@w3.org",
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-  </head> 
-<body> 
-  <section id='abstract'> 
-    <p> 
-This document describes a conceptual unified architecture and set of communication/protocol standards for payments on the World Wide Web. The architecture and examples included in this document outline a set of core principles and abstractions required to achieve broad interoperability across the many and growing number of users and devices connected to the Web, as well as the core goals such as security, privacy, and user choice outlined in the W3C's Web Payments Charter. The document also includes practical examples of how the architecture could be used to achieve these goals which are based on the Web Payments IG Use Cases document.   
-    </p> 
-  </section> 
-
-  <section id='sotd'> 
-    <p> 
-		This document is in early draft state and is expected to rapidly evolve based on broad feedback and input from the Web Payments Interest Group
-    </p> 
-  </section> 
-  
-  
-  <section> <h2>Introduction</h2>
-	<section> <h3>Purpose of this document</h3> 
-   	 	This document is intended to outline key characteristics, requirements and desired goals of a unified architecture for payments and related services on the world wide web. This document and the conceptual architecture it is intended to describe are based on the use cases defined as part of the W3C's Web Payments Interest Group which can be found <a href="http://www.w3.org/TR/2015/WD-web-payments-use-cases-20150416/">here</a>.
-  	</section>
-	<section> <h3>How this document is organized</h3> </section>
-</section>
-<section><h2>Summary Requirements</h2>
-	<section><h3>Functional Requirements</h3> 
-This goal of this section is to outline a high level, easy to understand description of summary requirements that the proposed architecture must provide to support unified payments on the web in a manner which also addresses the overarching goals outlined in the <a href="http://www.w3.org/2014/04/payments/webpayments_charter.html">W3C Web Payments Charter</a> .   Requirements have been grouped into functional categories to:
-<ul>
-	<li>facilitate readability of this document</li>
-	<li>outline and identify relevant or related standards specific to the category</li>
-	<li>communicate functional needs for additinal standards that may be needed to technical working groups</li>
-</ul>
-	The functional requirements categories used by this document are:
- <ul>
-	 <li><b>UA</b> - User Agent:</li>
-	 <li><b>IA</b> - Identity and Authentication</li>
-	 <li><b>CA</b> - Credentials and Authorization</li>
-	 <li><b>CS</b> - Digital Contracts and Signatures</li>
-	 <li><b>LD</b> - Loyalty and Discounts</li>
-	 <li><b>LA</b> - Ledgers and Accounting</li>
-	 <li><b>T</b> - Taxation</li>
-	 <li><b>FX</b> - Currency Conversion and Foreign Exchange</li>
-	 <li><b>RI</b> - Receipts and Invoicing</li>
-	 <li><b>PS</b> - Payment Messaging, Clearing and Settlement</li>
-	 <li><b>DS</b> - Delivery and Shipping</li>
-	 <li><b>SC</b> - Payment Scheduling and Calendering</li>
-	 <li><b>RR</b> - Regulatory and Reporting</li>
-	 <li><b>WA</b> - Wallet and Paymnet Instrument Provisioning and Administration</li>
-	 <li><b>SA</b> - Security and Auditing</li>
- </ul>
-  <p class="note">Following the introduction of categories above, this section will include a categorized table of mandatory list of core/functional requirements that the architecture must support.
-	  <p id="summary_functional_requirements"></p>
-	  <table>
-	   <caption>Summary Functional Requirements</caption>
-	   <thead>
-	    <tr>
-	     
-	     <th id="category"> Category
-	     <th id="requirement_id"> ID
-	     <th id="requirement">Requirement	
-	     <th id="use_case_ref">Use Cases
-	   <tbody>
-	    <tr>
-	     <td>IA
-	     <td> 1
-	     <td> Payer and payee should not need to know each other’s account numbers to make a web payment
-	     <td> Payer Privacy
-	    <tr>
-   	     <td>IA
-   	     <td> 2
-   	     <td> Payer and payee account data should not be disclosed at any point throughout the lifecycle of the payment
-   	     <td> Payer Privacy
-	  </table>
-  
-  </p>
-  
-  
-</section>
-  
-<section><h3>Role Based Contextual Requirements</h3> 
-    In addition to functional groupings of requirements, this document also identifies requirements which are based on the role or context of the actors in the payments process and which may be unique to the actors role in the process.  The following roles/contexts have been identified for use in this document:
-	<ul>
-		<li><b>PC</b> - Payer Context</li>
-		<li><b>EC</b> - Payee Context</li>
-		<li><b>WP</b> - Wallet Provider Context</li>
-		<li><b>PS</b> - Payment System Context</li>
-		<li><b>RG</b> - Regulatory Context</li>
-		<li><b>TP</b> - Third Party Service Provider Context</li>
-		<p class="note">Not sure if this is better covered in the detailed use case illustration section below</p>
-	</ul>
-</section>
-<section><h3>Non-Functional and Aggregate Architecture Requirements</h3> 
-    This section captures identified non-functional and aggregate architecture requirements which are required to support overarching goals such as security, interoperability, etc.
-	Non-Functional and Aggregate Architecture Requirements have been captured using the following categories:
-	<ul>
-		<li><b>KP</b> - Key Principles</li>
-		<li><b>SE</b> - Security</li>
-		<li><b>IO</b> - Interoperability</li>
-		<li><b>SC</b> - Scalability</li>
-		<li><b>ETC</b> - ETC</li>
-		<li><b>ETC</b> - ETC</li>
-	</ul>
-</section>
-</section>
-    	
-<section> <h2>Key Architecture Concepts and Terminology</h2>   
-      <p>This section of the document will outline key concepts and terminology used to describe a unified architure for payments on the web.  This architecture is  might be deployed in context as part of a multi-user agent payment processing flow.  For example, this section could include an overview of how specific user agents of the Payer such as a digital Wallet interact with specific user agents of the Payee such as a digital POS terminal and user agents of payment processors such as payment processing schemes to facilitate payment. </p>
-	  <section><h3>Simple example</h3>
-	  <p class="note">This section will contain one or more simple diagrams and descriptions which are intended to introduce key architecture concepts </p>
-	  </section>
-	  <section><h3>Key Concept: The Symetrical Web of Payments</h3>
-	  <p class="note">This section will focus on illustrating the key architectural principle of Symetry of core capabilities</p>
-	  </section>
-	  <section><h3>Key Concept: Payment Relays</h3>
-	  <p class="note">This section will focus on illustrating the key architectural principle that allows for multiple parties in the payment process to use one or more "agents" to facilitate the payments process</p>
-	  </section>
-</section>
-	 </section>
-	
-	  <section> 
-		<h2>Detailed Requirements and Use Case Illustration</h2>  
-		    <section><h3>Negotiation of Payment Terms</h3>
-		  	  <p class="note">This section will contain one or more simple diagrams and descriptions which are intended to illustrate key architecture concepts in the context of each phase of the payments process. It will also describe any specific architecture variations specific to use cases to help provide guidance to working groups and technical architecture groups that will be working on developing specifications and standards to meet the outlined requirements</p>
-			  General Overview </br>
-				1.1 Discovery of Offer</br>
-		        1.2 Agreement on Terms</br>
-		        1.3 Application of Marketing Elements</br>
-			</section>
-		    <section><h3>Negotiation of Payment Instruments</h3>
-		        General Overview </br>
-				2.1 Discovery of Accepted Schemes</br>
-		        2.2 Selection of Payment Instruments</br.>
-		        2.3 Authentication to Access Instruments</section>
-		    <section><h3>Payment Processing</h3>
-		        General Overview</br>
-				3.1 Initiation of Processing</br>
-		        3.2 Verification of Available Funds</br>
-		        3.3 Authorization of Transfer</br>
-		        3.4 Completion of Transfer</br>
-			</section>
-		    <section><h3>Delivery of Product/Receipt and Refunds</h3>
-				General Overview</br>
-		        4.1 Delivery of Product</br>
-		        4.2 Delivery of Receipt</br>
-		        4.3 Refunds</br>
-			</section>
-	
-	 
-	
-  	  <section> 
-  	    <h2>Additional Use Cases and Examples</h2> 
-  	    <p>
-  			This section will include illustrations and walk throughs of the remainder of the Web Paymnets IG use-cases document
-
-  	    </p>
-  	  </section>
-	  </section>
-	  
-  <section> 
-    <h2>Acknowledgements</h2>
- 
-    <p>
-The editors are thankful to the following contributions from ...
-(in alphabetical order): 
-    </p>
-    <p>
-List of contributors/reviewers.
-    </p>
-
-  </section>
-  <section><h2>Appendix</h2></section>
-  <section><h3>Detailed Requirements Traceability Matrix</h3></section>
-
-  </body> 
-</html>
-