--- a/ED/use-cases/2015-07-15/diff-20150416.html Thu Jul 16 23:02:06 2015 -0400
+++ b/ED/use-cases/2015-07-15/diff-20150416.html Thu Jul 16 23:31:05 2015 -0400
@@ -376,24 +376,48 @@
</dd>
<dd class="p-author h-card vcard">
<span property="dc:contributor" typeof="foaf:Person">
-<meta property="foaf:name" content="David Ezell">
-<a class="u-url url p-name fn" property="foaf:homepage" href="http://example.org/">
-David
+<span property="foaf:name" class="p-name fn">
+<ins class="diff-chg">Qian
+Sun
+</ins></span>,<a property="foaf:workplaceHomepage" class="p-org org h-org h-card" href="http://www.alibabagroup.com/"><ins class="diff-chg">
+Alibaba
+</ins></a>
+<del class="diff-old">David
Ezell
+</del>
+</span>
+</dd>
+<dd class="p-author h-card vcard">
+<span property="dc:contributor" typeof="foaf:Person">
+<meta property="foaf:name" content="Cyril Vignet">
+<a class="u-url url p-name fn" property="foaf:homepage" href="https://www.linkedin.com/pub/cyril-vignet/bb/704/423">
+<ins class="diff-chg">Cyril
+Vignet
+</ins>
</a>,
-<a property="foaf:workplaceHomepage" class="p-org org h-org h-card" href="http://www.nacsonline.com/">
-NACS
+<del class="diff-old">NACS
+</del>
+<a property="foaf:workplaceHomepage" class="p-org org h-org h-card" href="http://www.bpce.fr/">
+<ins class="diff-chg">Groupe
+BPCE
+</ins>
</a>
</span>
</dd>
<dd class="p-author h-card vcard">
<span property="dc:contributor" typeof="foaf:Person">
-<span property="foaf:name" class="p-name fn">
-Qian
+<del class="diff-old">Qian
Sun
-</span>,
-<a property="foaf:workplaceHomepage" class="p-org org h-org h-card" href="http://www.alibabagroup.com/">
+,
Alibaba
+</del>
+<meta property="foaf:name" content="David Ezell">
+<a class="u-url url p-name fn" property="foaf:homepage" href="http://example.org/">
+<ins class="diff-chg">David
+Ezell
+</ins></a>,<a property="foaf:workplaceHomepage" class="p-org org h-org h-card" href="http://www.nacsonline.com/"><ins class="diff-chg">
+NACS
+</ins>
</a>
</span>
</dd>
@@ -425,6 +449,22 @@
</a>
</dd>
</dl>
+<p>
+<ins class="diff-new">This
+document
+is
+also
+available
+in
+this
+non-normative
+format:
+</ins><a rel="alternate" href="diff-20150416.html"><ins class="diff-new">
+diff
+to
+previous
+version
+</ins></a></p>
<p class="copyright">
<a href="http://www.w3.org/Consortium/Legal/ipr-notice#Copyright">
Copyright
@@ -751,6 +791,129 @@
mind.
</p>
<p>
+<ins class="diff-new">The
+following
+changes
+have
+been
+made
+since
+the
+last
+version
+of
+this
+document:
+</ins></p><ul><li><ins class="diff-new">
+Reorganization
+of
+use
+cases
+by
+phases
+approved
+by
+the
+Web
+Payments
+IG.
+</ins></li><li><ins class="diff-new">
+Removal
+of
+the
+"Goals"
+for
+each
+use
+case
+as
+they
+were
+repetitive
+and
+did
+not
+greatly
+aid
+understanding
+of
+the
+use
+case.
+</ins></li><li><ins class="diff-new">
+Addition
+of
+Regulatory
+concerns
+to
+a
+number
+of
+the
+use
+cases.
+</ins></li><li><ins class="diff-new">
+Addition
+of
+two
+more
+scenarios
+related
+to
+Direct
+Debit
+and
+Credit
+Transfer.
+</ins></li><li><ins class="diff-new">
+Addition
+of
+"Relationship
+to
+Other
+Documents"
+section.
+</ins></li><li><ins class="diff-new">
+Integration
+of
+a
+unified
+Web
+Payments
+Activity
+glossary.
+</ins></li><li><ins class="diff-new">
+Addition
+of
+Escrow,
+Biometric,
+Know
+Your
+Customer
+(KYC),
+and
+Anti-Money
+Laundering
+(AML)
+use
+cases.
+</ins></li><li><ins class="diff-new">
+Integration
+of
+feedback
+from
+the
+public,
+Web
+Payments
+Community
+Group,
+and
+Web
+Payments
+Interest
+Group.
+</ins></li></ul><p>
This
document
was
@@ -1004,10 +1167,17 @@
</a>
</li>
<li class="tocline">
-<a href="#how-this-document-is-organized" class="tocxref">
+<a href="#relationships" class="tocxref">
<span class="secno">
1.2
</span>
+<ins class="diff-new">Relationship
+to
+Other
+Documents
+</ins></a></li><li class="tocline"><a href="#how-this-document-is-organized" class="tocxref"><span class="secno"><ins class="diff-new">
+1.3
+</ins></span>
How
this
Document
@@ -1975,11 +2145,170 @@
society.
</p>
</section>
+<section id="relationships" typeof="bibo:Chapter" resource="#relationships" property="bibo:hasPart">
+<h3 id="h-relationships" resource="#h-relationships">
+<span property="xhv:role" resource="xhv:heading">
+<span class="secno">
+<ins class="diff-new">1.2
+</ins></span><ins class="diff-new">
+Relationship
+to
+Other
+Documents
+</ins></span></h3><p><ins class="diff-new">
+This
+document
+is
+one
+part
+of
+a
+greater
+body
+of
+work
+around
+Web
+Payments
+that
+the
+</ins><a href="https://www.w3.org/Payments/IG/"><ins class="diff-new">
+Web
+Payments
+Interest
+Group
+</ins></a><ins class="diff-new">
+at
+</ins><abbr title="World Wide Web Consortium"><ins class="diff-new">
+W3C
+</ins></abbr><ins class="diff-new">
+is
+producing.
+These
+other
+documents
+include:
+</ins></p><ul><li><a href="https://www.w3.org/Payments/IG/Vision"><ins class="diff-new">
+A
+Vision
+for
+Web
+Payments
+</ins></a><ins class="diff-new">
+describes
+the
+desirable
+properties
+of
+a
+Web
+Payments
+architecture.
+</ins></li><li><a href="http://www.w3.org/TR/web-payments-use-cases/"><ins class="diff-new">
+Web
+Payments
+Use
+Cases
+1.0
+</ins></a><ins class="diff-new">
+(this
+document)
+is
+a
+prioritized
+list
+of
+all
+Web
+Payments
+scenarios
+that
+the
+Web
+Payments
+Interest
+Group
+expects
+the
+architecture
+to
+address
+in
+time.
+</ins></li><li><a href="https://dvcs.w3.org/hg/webpayments/raw-file/default/latest/capabilities/index.html"><ins class="diff-new">
+Web
+Payments
+Capabilities
+1.0
+</ins></a><ins class="diff-new">
+derives
+a
+set
+of
+capabilities
+from
+the
+use
+cases
+that,
+if
+standardized,
+will
+improve
+payments
+on
+the
+Web.
+</ins></li><li><a href="https://www.w3.org/Payments/IG/Roadmap"><ins class="diff-new">
+Web
+Payments
+Roadmap
+1.0
+</ins></a><ins class="diff-new">
+proposes
+an
+implementation
+and
+deployment
+plan
+that
+will
+result
+in
+enhancements
+to
+the
+Open
+Web
+Platform
+that
+will
+achieve
+the
+scenarios
+outlined
+in
+the
+Use
+Cases
+document
+and
+the
+capabilities
+listed
+in
+the
+Capabilities
+document.
+</ins></li></ul></section>
<section id="how-this-document-is-organized" typeof="bibo:Chapter" resource="#how-this-document-is-organized" property="bibo:hasPart">
<h3 id="h-how-this-document-is-organized" resource="#h-how-this-document-is-organized">
<span property="xhv:role" resource="xhv:heading">
<span class="secno">
-1.2
+<del class="diff-old">1.2
+</del>
+<ins class="diff-chg">1.3
+</ins>
</span>
How
this
@@ -2000,18 +2329,32 @@
<li>
<a href="#terminology">
Section
-2
-</a>
+<del class="diff-old">2
+</del>
+<ins class="diff-chg">2:
+Terminology
+</ins></a>
defines
basic
payment
-terms.
+<del class="diff-old">terms.
+</del>
+<ins class="diff-chg">terminology.
+</ins>
</li>
<li>
<a href="#an-overview-of-the-payment-phases">
Section
-3
-</a>
+<del class="diff-old">3
+</del>
+<ins class="diff-chg">3:
+An
+Overview
+of
+the
+Payment
+Phases
+</ins></a>
describes
a
common
@@ -2037,8 +2380,17 @@
<li>
<a href="#a-simple-example-of-the-payment-phases">
Section
-4
-</a>
+<del class="diff-old">4
+</del>
+<ins class="diff-chg">4:
+A
+Simple
+Example
+of
+the
+Payment
+Phases
+</ins></a>
is
a
specific
@@ -2053,8 +2405,16 @@
3.
<a href="#additional-examples-of-the-payment-phases">
Section
-7
-</a>
+<del class="diff-old">7
+</del>
+<ins class="diff-chg">7:
+Additional
+Examples
+of
+the
+Payment
+Phases
+</ins></a>
describes
additional
familiar
@@ -2074,9 +2434,12 @@
</li>
<li>
<a href="#assumptions">
-<ins class="diff-new">Section
-5
-</ins></a><ins class="diff-new">
+Section
+<del class="diff-old">6
+</del>
+<ins class="diff-chg">5:
+Assumptions
+</ins></a><ins class="diff-chg">
highlights
general
assumptions
@@ -2088,10 +2451,12 @@
the
use
cases.
-</ins></li><li><a href="#use-cases-1">
+</ins></li><li><a href="#use-cases-1"><ins class="diff-chg">
Section
-6
-</a>
+6:
+Use
+Cases
+</ins></a>
lists
the
use
@@ -2129,8 +2494,8 @@
</del>
<ins class="diff-chg">A
</ins><em><ins class="diff-chg">
-Target
-version
+Roadmap
+phase
</ins></em><ins class="diff-chg">
which
specifies
@@ -2144,7 +2509,7 @@
more
</del>
<ins class="diff-chg">intended
-version
+phase
</ins>
of
the
@@ -2153,13 +2518,15 @@
an
interoperable
</del>
+<a href="https://www.w3.org/Payments/IG/Roadmap">
Web
<del class="diff-old">payments
framework
.
</del>
<ins class="diff-chg">Payments
-Architecture
+Roadmap
+</ins></a><ins class="diff-chg">
that
will
enable
@@ -2552,7 +2919,7 @@
<dt>
</dt>
<dt>
-<dfn id="dfn-entity">
+<dfn lt="entity|entities" id="dfn-entity">
entity
</dfn>
</dt>
@@ -2574,24 +2941,24 @@
</dd>
<dt>
<dfn id="dfn-four-corner-model">
-<ins class="diff-new">four
+<ins class="diff-chg">four
corner
model
-</ins></dfn></dt><dd><ins class="diff-new">
+</ins></dfn></dt><dd><ins class="diff-chg">
A
-</ins><a href="#dfn-payment-scheme" class="internalDFN"><ins class="diff-new">
+</ins><a href="#dfn-payment-scheme" class="internalDFN"><ins class="diff-chg">
payment
scheme
-</ins></a><ins class="diff-new">
+</ins></a><ins class="diff-chg">
which
includes
the
following
stakeholders:
the
-</ins><a href="#dfn-payer" class="internalDFN"><ins class="diff-new">
+</ins><a href="#dfn-payer" class="internalDFN"><ins class="diff-chg">
payer
-</ins></a><ins class="diff-new">
+</ins></a><ins class="diff-chg">
(also
known
as
@@ -2619,10 +2986,10 @@
the
Acceptor).
The
-</ins><a href="#dfn-payment-scheme" class="internalDFN"><ins class="diff-new">
+</ins><a href="#dfn-payment-scheme" class="internalDFN"><ins class="diff-chg">
payment
scheme
-</ins></a><ins class="diff-new">
+</ins></a><ins class="diff-chg">
defines
the
rules
@@ -2652,8 +3019,7 @@
scheme
are
met.
-</ins></dd><dt></dt><dt></dt><dt></dt><dt>
-<dfn id="dfn-payee">
+</ins></dd><dt></dt><dt></dt><dt></dt><dt><dfn lt="payee|payees" id="dfn-payee">
payee
</dfn>
</dt>
@@ -2674,7 +3040,7 @@
</ins>
</dd>
<dt>
-<dfn id="dfn-payer">
+<dfn lt="payer|payers" id="dfn-payer">
payer
</dfn>
</dt>
@@ -2700,7 +3066,7 @@
<dt>
</dt>
<dt>
-<dfn id="dfn-payment-instrument">
+<dfn lt="payment instrument|payment instruments" id="dfn-payment-instrument">
payment
instrument
</dfn>
@@ -2797,7 +3163,7 @@
<dt>
</dt>
<dt>
-<dfn id="dfn-payment-processor">
+<dfn lt="payment processor|payment processors" id="dfn-payment-processor">
payment
processor
</dfn>
@@ -2831,7 +3197,7 @@
FedACH.
</dd>
<dt>
-<dfn id="dfn-payment-scheme">
+<dfn lt="payment scheme|payment schemes" id="dfn-payment-scheme">
payment
scheme
</dfn>
@@ -2901,35 +3267,41 @@
of
payment
services.
-</ins></dd><dt></dt><dt><dfn id="dfn-pull-payment"><ins class="diff-new">
+</ins>
+</dd>
+<dt>
+</dt>
+<dt>
+<dfn lt="pull payment|pull payments|payee-initiated payment|payee-initiated payments" id="dfn-payee-initiated-payment">
+<ins class="diff-chg">payee-initiated
+payment
+</ins></dfn></dt><dd><ins class="diff-chg">
+Also
+known
+as
+a
pull
-payment
-</ins></dfn><ins class="diff-new">
-or
-</ins><dfn id="dfn-payee-initiated-payment"><ins class="diff-new">
-payee-initiated
-payment
-</ins></dfn></dt><dd><ins class="diff-new">
-A
+payment,
+a
type
of
-</ins><a href="#dfn-transaction" class="internalDFN"><ins class="diff-new">
+</ins><a href="#dfn-transaction" class="internalDFN"><ins class="diff-chg">
transaction
-</ins></a><ins class="diff-new">
+</ins></a><ins class="diff-chg">
where
the
-</ins><a href="#dfn-payee" class="internalDFN"><ins class="diff-new">
+</ins><a href="#dfn-payee" class="internalDFN"><ins class="diff-chg">
payee
-</ins></a><ins class="diff-new">
+</ins></a><ins class="diff-chg">
initiates
the
funds
transfer
from
the
-</ins><a href="#dfn-payee" class="internalDFN"><ins class="diff-new">
+</ins><a href="#dfn-payee" class="internalDFN"><ins class="diff-chg">
payee
-</ins></a>.<ins class="diff-new">
+</ins></a>.<ins class="diff-chg">
A
credit
card
@@ -2941,10 +3313,7 @@
a
pull
payment.
-</ins>
-</dd>
-<dt>
-<dfn id="dfn-purchase">
+</ins></dd><dt><dfn lt="purchase|purchases" id="dfn-purchase">
purchase
</dfn>
</dt>
@@ -2977,13 +3346,8 @@
<dt>
<del class="diff-old">transaction
</del>
-<dfn id="dfn-push-payment">
-<ins class="diff-chg">push
-payment
-</ins></dfn><ins class="diff-chg">
-or
-</ins><dfn id="dfn-payer-initiated-payment"><ins class="diff-chg">
-payer-initiated
+<dfn lt="push payment|push payments|payer-initiated payment|payer-initiated payments" id="dfn-payer-initiated-payment">
+<ins class="diff-chg">payer-initiated
payment
</ins>
</dfn>
@@ -2992,7 +3356,13 @@
<del class="diff-old">An
exchange
</del>
-<ins class="diff-chg">A
+<ins class="diff-chg">Also
+known
+as
+a
+push
+payment,
+a
type
</ins>
of
@@ -3042,7 +3412,7 @@
<del class="diff-old">There
are
</del>
-<dfn id="dfn-transaction">
+<dfn lt="transaction|transactions" id="dfn-transaction">
<ins class="diff-chg">transaction
</ins></dfn></dt><dd><ins class="diff-chg">
An
@@ -3082,6 +3452,25 @@
Group
has
as
+a
+goal
+to
+make
+use
+of
+industry-defined
+terms
+in
+its
+deliverables.
+At
+the
+same
+time,
+the
+group
+has
+as
</del>
<ins class="diff-chg">one
or
@@ -3100,29 +3489,6 @@
</ins>
a
<del class="diff-old">goal
-to
-make
-use
-of
-industry-defined
-terms
-in
-its
-deliverables.
-At
-the
-same
-time,
-the
-group
-has
-as
-</del>
-<ins class="diff-chg">buyer
-and
-</ins>
-a
-<del class="diff-old">goal
that
these
use
@@ -3132,25 +3498,25 @@
understood
by
both
-</del>
-<ins class="diff-chg">seller
+payment
+industry
+professionals
+</del>
+<ins class="diff-chg">buyer
+</ins>
+and
+<ins class="diff-new">a
+seller
to
exchange
an
asset
for
-</ins>
-payment
-<del class="diff-old">industry
-professionals
-and
-</del>
-</dd>
-<dt>
-<dfn id="dfn-transfer-order">
-<ins class="diff-chg">transfer
+payment.
+</ins></dd><dt><dfn lt="transfer order|transfer orders" id="dfn-transfer-order"><ins class="diff-new">
+transfer
order
-</ins></dfn></dt><dd><ins class="diff-chg">
+</ins></dfn></dt><dd><ins class="diff-new">
[ECB]
an
order
@@ -3209,8 +3575,10 @@
terms.
</del>
<ins class="diff-chg">the
-creditor
-</ins></dd><dt></dt></dl>
+creditor.
+</ins></dd><dt>
+</dt>
+</dl>
</div>
</section>
<section id="an-overview-of-the-payment-phases" typeof="bibo:Chapter" resource="#an-overview-of-the-payment-phases" property="bibo:hasPart">
@@ -5632,8 +6000,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -5641,7 +6009,7 @@
widespread
adoption.
</del>
-<ins class="diff-chg">1.0
+<ins class="diff-chg">1
</ins>
</dd>
<dt>
@@ -5748,8 +6116,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -6090,8 +6458,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -6251,8 +6619,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -6345,8 +6713,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -6456,8 +6824,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -6655,8 +7023,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -6858,8 +7226,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -6958,8 +7326,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -7064,8 +7432,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -7164,8 +7532,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -7299,8 +7667,8 @@
to
send.
</ins></dd><dt><ins class="diff-chg">
-Target
-version
+Roadmap
+phase
</ins></dt><dd><ins class="diff-chg">
Uncategorized
</ins></dd><dt><ins class="diff-chg">
@@ -7385,10 +7753,10 @@
market
analyst.
</ins></dd><dt><ins class="diff-chg">
-Target
-version
+Roadmap
+phase
</ins></dt><dd><ins class="diff-chg">
-1.0
+1
</ins></dd><dt><ins class="diff-chg">
Motivation
</ins></dt><dd><ins class="diff-chg">
@@ -7527,10 +7895,10 @@
music
service.
</ins></li></ul></dd><dt><ins class="diff-chg">
-Target
-version
+Roadmap
+phase
</ins></dt><dd><ins class="diff-chg">
-1.0
+1
</ins></dd><dt><ins class="diff-chg">
Motivation
</ins></dt><dd><ins class="diff-chg">
@@ -7668,10 +8036,10 @@
of
finance.
</ins></dd><dt><ins class="diff-chg">
-Target
-version
+Roadmap
+phase
</ins></dt><dd><ins class="diff-chg">
-1.0
+1
(if
time
permits)
@@ -7862,8 +8230,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
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</dt>
<dd>
@@ -8100,8 +8468,8 @@
<dt>
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-version
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</dt>
<dd>
@@ -8241,8 +8609,8 @@
<dt>
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-version
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</dt>
<dd>
@@ -8429,8 +8797,8 @@
<dt>
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@@ -8766,8 +9134,8 @@
<dt>
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-version
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@@ -8879,8 +9247,8 @@
<dt>
<del class="diff-old">Goals
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-<ins class="diff-chg">Target
-version
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<dd>
@@ -8958,8 +9326,8 @@
<dt>
<del class="diff-old">Goals
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-<ins class="diff-chg">Target
-version
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@@ -9094,8 +9462,8 @@
<dt>
<del class="diff-old">Goals
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-<ins class="diff-chg">Target
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@@ -9195,8 +9563,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
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@@ -9216,7 +9584,7 @@
widespread
adoption.
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-<ins class="diff-chg">1.0
+<ins class="diff-chg">1
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</dd>
<dt>
@@ -9309,8 +9677,8 @@
<dt>
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-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
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@@ -9426,8 +9794,8 @@
<dt>
<del class="diff-old">Goals
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-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
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@@ -9444,7 +9812,7 @@
widespread
adoption.
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-<ins class="diff-chg">1.0
+<ins class="diff-chg">1
</ins>
</dd>
<dt>
@@ -9494,8 +9862,8 @@
discovery
flexibility
that
-version
-1.0
+phase
+1
should
support
is
@@ -9626,10 +9994,10 @@
online
merchants.
</ins></li></ul></dd><dt><ins class="diff-chg">
-Target
-version
+Roadmap
+phase
</ins></dt><dd><ins class="diff-chg">
-1.0
+1
</ins></dd><dt><ins class="diff-chg">
Motivation
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@@ -9926,8 +10294,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -9945,7 +10313,7 @@
widespread
adoption.
</del>
-<ins class="diff-chg">1.0
+<ins class="diff-chg">1
</ins>
</dd>
<dt>
@@ -10143,8 +10511,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -10291,8 +10659,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -10306,7 +10674,7 @@
and
Monetization.
</del>
-<ins class="diff-chg">1.0
+<ins class="diff-chg">1
</ins>
</dd>
<dt>
@@ -10607,8 +10975,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -10630,7 +10998,7 @@
widespread
adoption.
</del>
-<ins class="diff-chg">1.0
+<ins class="diff-chg">1
</ins>
</dd>
<dt>
@@ -10896,8 +11264,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -11161,8 +11529,8 @@
a
day.
</ins></li></ul></dd><dt><ins class="diff-chg">
-Target
-version
+Roadmap
+phase
</ins></dt><dd><ins class="diff-chg">
Uncategorized
</ins></dd><dt><ins class="diff-chg">
@@ -11355,8 +11723,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -11586,8 +11954,8 @@
been
requested.
</ins></dd><dt><ins class="diff-chg">
-Target
-version
+Roadmap
+phase
</ins></dt><dd><ins class="diff-chg">
Uncategorized
</ins></dd><dt><ins class="diff-chg">
@@ -11674,8 +12042,8 @@
by
management.
</ins></dd><dt><ins class="diff-chg">
-Target
-version
+Roadmap
+phase
</ins></dt><dd><ins class="diff-chg">
Uncategorized
</ins></dd><dt><ins class="diff-chg">
@@ -11967,8 +12335,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -11978,7 +12346,7 @@
widespread
adoption.
</del>
-<ins class="diff-chg">1.0
+<ins class="diff-chg">1
</ins>
</dd>
<dt>
@@ -12194,8 +12562,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -12208,7 +12576,7 @@
and
Automatability.
</del>
-<ins class="diff-chg">1.0
+<ins class="diff-chg">1
</ins>
</dd>
<dt>
@@ -12374,8 +12742,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -12482,8 +12850,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -12731,8 +13099,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -12754,7 +13122,7 @@
widespread
adoption.
</del>
-<ins class="diff-chg">1.0
+<ins class="diff-chg">1
</ins>
</dd>
<dt>
@@ -12997,8 +13365,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -13292,8 +13660,8 @@
the
funds.
</ins></li></ul></dd><dt><ins class="diff-chg">
-Target
-version
+Roadmap
+phase
</ins></dt><dd><ins class="diff-chg">
Uncategorized
</ins></dd><dt><ins class="diff-chg">
@@ -13470,8 +13838,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -13625,8 +13993,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -13634,7 +14002,7 @@
widespread
adoption.
</del>
-<ins class="diff-chg">1.0
+<ins class="diff-chg">1
</ins>
</dd>
<dt>
@@ -13724,8 +14092,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -13742,7 +14110,7 @@
and
Monetization.
</del>
-<ins class="diff-chg">1.0
+<ins class="diff-chg">1
</ins>
</dd>
<dt>
@@ -13793,8 +14161,8 @@
for
pickup.
</ins></dd><dt><ins class="diff-new">
-Target
-version
+Roadmap
+phase
</ins></dt><dd><ins class="diff-new">
Uncategorized
</ins></dd><dt><ins class="diff-new">
@@ -13909,8 +14277,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -13922,7 +14290,7 @@
Innovation,
Automatability,
</del>
-<ins class="diff-chg">1.0
+<ins class="diff-chg">1
(very
basic
receipt
@@ -14126,8 +14494,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -14436,8 +14804,8 @@
<dt>
<del class="diff-old">Goals
</del>
-<ins class="diff-chg">Target
-version
+<ins class="diff-chg">Roadmap
+phase
</ins>
</dt>
<dd>
@@ -14456,7 +14824,7 @@
widespread
adoption.
</del>
-<ins class="diff-chg">1.0
+<ins class="diff-chg">1
(if
time
permits)
@@ -16476,10 +16844,8 @@
known
as
a
-</ins><a href="#dfn-pull-payment" class="internalDFN"><ins class="diff-new">
pull
payment
-</ins></a><ins class="diff-new">
in
the
context
@@ -16517,14 +16883,17 @@
direct
debit
mandate.
-</ins></p><section class="notoc" typeof="bibo:Chapter" resource="#negotiation-of-purchase-terms-5" property="bibo:hasPart"><h4 id="negotiation-of-purchase-terms-5" resource="#negotiation-of-purchase-terms-5">
-<span property="xhv:role" resource="xhv:heading">
-<ins class="diff-new">Negotiation
+</ins></p><section class="notoc" typeof="bibo:Chapter" resource="#negotiation-of-purchase-terms-5" property="bibo:hasPart"><h4 id="negotiation-of-purchase-terms-5" resource="#negotiation-of-purchase-terms-5"><span property="xhv:role" resource="xhv:heading"><ins class="diff-new">
+Negotiation
of
Purchase
Terms
-</ins></span></h4><ul><li><strong><ins class="diff-new">
-Discovery
+</ins></span>
+</h4>
+<ul>
+<li>
+<strong>
+<ins class="diff-new">Discovery
of
Offer
</ins></strong>:<ins class="diff-new">
@@ -16919,10 +17288,8 @@
known
as
a
-</ins><a href="#dfn-push-payment" class="internalDFN"><ins class="diff-chg">
push
payment
-</ins></a><ins class="diff-chg">
in
the
context
@@ -17320,6 +17687,34 @@
</h2>
<ul>
<li>
+<ins class="diff-new">Integration
+of
+US
+Federal
+Reserve
+Faster
+Payments
+Use
+Cases
+</ins></li><li><ins class="diff-new">
+Integration
+of
+Bill
+and
+Melinda
+Gates
+Foundation
+Level
+One
+Project
+Use
+Cases
+</ins></li><li><ins class="diff-new">
+Government
+Entitlement
+Disbursement
+</ins></li>
+<li>
Automatic
Tax
Payment
--- a/ED/use-cases/2015-07-15/index.html Thu Jul 16 23:02:06 2015 -0400
+++ b/ED/use-cases/2015-07-15/index.html Thu Jul 16 23:31:05 2015 -0400
@@ -266,10 +266,12 @@
</dd>
<dd class="p-author h-card vcard"><span property="dc:contributor" typeof="foaf:Person"><meta property="foaf:name" content="Manu Sporny"><a class="u-url url p-name fn" property="foaf:homepage" href="https://manu.sporny.org/">Manu Sporny</a>, <a property="foaf:workplaceHomepage" class="p-org org h-org h-card" href="http://digitalbazaar.com/">Digital Bazaar</a></span>
</dd>
+<dd class="p-author h-card vcard"><span property="dc:contributor" typeof="foaf:Person"><span property="foaf:name" class="p-name fn">Qian Sun</span>, <a property="foaf:workplaceHomepage" class="p-org org h-org h-card" href="http://www.alibabagroup.com/">Alibaba</a></span>
+</dd>
+<dd class="p-author h-card vcard"><span property="dc:contributor" typeof="foaf:Person"><meta property="foaf:name" content="Cyril Vignet"><a class="u-url url p-name fn" property="foaf:homepage" href="https://www.linkedin.com/pub/cyril-vignet/bb/704/423">Cyril Vignet</a>, <a property="foaf:workplaceHomepage" class="p-org org h-org h-card" href="http://www.bpce.fr/">Groupe BPCE</a></span>
+</dd>
<dd class="p-author h-card vcard"><span property="dc:contributor" typeof="foaf:Person"><meta property="foaf:name" content="David Ezell"><a class="u-url url p-name fn" property="foaf:homepage" href="http://example.org/">David Ezell</a>, <a property="foaf:workplaceHomepage" class="p-org org h-org h-card" href="http://www.nacsonline.com/">NACS</a></span>
</dd>
-<dd class="p-author h-card vcard"><span property="dc:contributor" typeof="foaf:Person"><span property="foaf:name" class="p-name fn">Qian Sun</span>, <a property="foaf:workplaceHomepage" class="p-org org h-org h-card" href="http://www.alibabagroup.com/">Alibaba</a></span>
-</dd>
<dd class="p-author h-card vcard"><span property="dc:contributor" typeof="foaf:Person"><meta property="foaf:name" content="David Jackson"><a class="u-url url p-name fn" property="foaf:homepage" href="https://www.linkedin.com/in/davidjjackson">David Jackson</a>, <a property="foaf:workplaceHomepage" class="p-org org h-org h-card" href="http://www.oracle.com/">Oracle</a></span>
</dd>
@@ -371,6 +373,38 @@
when it's possible to do so. Expect this document to be rapidly iterated upon
with that desire in mind.
</p>
+ <p>
+The following changes have been made since the last version of this document:
+ </p>
+ <ul>
+ <li>
+Reorganization of use cases by phases approved by the Web Payments IG.
+ </li>
+ <li>
+Removal of the "Goals" for each use case as they were repetitive and did not
+greatly aid understanding of the use case.
+ </li>
+ <li>
+Addition of Regulatory concerns to a number of the use cases.
+ </li>
+ <li>
+Addition of two more scenarios related to Direct Debit and Credit Transfer.
+ </li>
+ <li>
+Addition of "Relationship to Other Documents" section.
+ </li>
+ <li>
+Integration of a unified Web Payments Activity glossary.
+ </li>
+ <li>
+Addition of Escrow, Biometric, Know Your Customer (KYC), and
+Anti-Money Laundering (AML) use cases.
+ </li>
+ <li>
+Integration of feedback from the public, Web Payments Community Group, and
+Web Payments Interest Group.
+ </li>
+ </ul>
<p>
@@ -433,7 +467,7 @@
-</section><section id="toc"><h2 class="introductory" id="h-toc" resource="#h-toc"><span property="xhv:role" resource="xhv:heading">Table of Contents</span></h2><ul class="toc" role="directory" id="respecContents"><li class="tocline"><a href="#introduction" class="tocxref"><span class="secno">1. </span>Introduction</a><ul class="toc"><li class="tocline"><a href="#why-this-work-is-important" class="tocxref"><span class="secno">1.1 </span>Why This Work is Important</a></li><li class="tocline"><a href="#how-this-document-is-organized" class="tocxref"><span class="secno">1.2 </span>How this Document is Organized</a></li></ul></li><li class="tocline"><a href="#terminology" class="tocxref"><span class="secno">2. </span>Terminology</a></li><li class="tocline"><a href="#an-overview-of-the-payment-phases" class="tocxref"><span class="secno">3. </span>An Overview of the Payment Phases</a><ul class="toc"><li class="tocline"><a href="#negotiation-of-payment-terms" class="tocxref"><span class="secno">3.1 </span>Negotiation of Payment Terms</a></li><li class="tocline"><a href="#negotiation-of-payment-instruments" class="tocxref"><span class="secno">3.2 </span>Negotiation of Payment Instruments</a></li><li class="tocline"><a href="#payment-processing" class="tocxref"><span class="secno">3.3 </span>Payment Processing</a></li><li class="tocline"><a href="#delivery-of-product-receipt-and-refunds" class="tocxref"><span class="secno">3.4 </span>Delivery of Product/Receipt and Refunds</a></li></ul></li><li class="tocline"><a href="#a-simple-example-of-the-payment-phases" class="tocxref"><span class="secno">4. </span>A Simple Example of the Payment Phases</a><ul class="toc"><li class="tocline"><a href="#negotiation-of-purchase-terms" class="tocxref"><span class="secno">4.1 </span>Negotiation of Purchase Terms</a></li><li class="tocline"><a href="#negotiation-of-payment-instruments-1" class="tocxref"><span class="secno">4.2 </span>Negotiation of Payment Instruments</a></li><li class="tocline"><a href="#payment-processing-1" class="tocxref"><span class="secno">4.3 </span>Payment Processing</a></li><li class="tocline"><a href="#delivery-of-product-receipt-and-refunds-1" class="tocxref"><span class="secno">4.4 </span>Delivery of Product/Receipt and Refunds</a></li></ul></li><li class="tocline"><a href="#assumptions" class="tocxref"><span class="secno">5. </span>Assumptions</a></li><li class="tocline"><a href="#use-cases-1" class="tocxref"><span class="secno">6. </span>Use Cases</a><ul class="toc"><li class="tocline"><a href="#negotiation-of-payment-terms-1" class="tocxref"><span class="secno">6.1 </span>Negotiation of Payment Terms</a><ul class="toc"><li class="tocline"><a href="#discovery-of-offer" class="tocxref"><span class="secno">6.1.1 </span>Discovery of Offer</a></li><li class="tocline"><a href="#agreement-on-terms" class="tocxref"><span class="secno">6.1.2 </span>Agreement on Terms</a></li><li class="tocline"><a href="#application-of-marketing-elements" class="tocxref"><span class="secno">6.1.3 </span>Application of Marketing Elements</a></li></ul></li><li class="tocline"><a href="#negotiation-of-payment-instruments-2" class="tocxref"><span class="secno">6.2 </span>Negotiation of Payment Instruments</a><ul class="toc"><li class="tocline"><a href="#discovery-of-accepted-schemes" class="tocxref"><span class="secno">6.2.1 </span>Discovery of Accepted Schemes</a></li><li class="tocline"><a href="#selection-of-payment-instruments" class="tocxref"><span class="secno">6.2.2 </span>Selection of Payment Instruments</a></li><li class="tocline"><a href="#authentication-to-access-instruments" class="tocxref"><span class="secno">6.2.3 </span>Authentication to Access Instruments</a></li></ul></li><li class="tocline"><a href="#payment-processing-2" class="tocxref"><span class="secno">6.3 </span>Payment Processing</a><ul class="toc"><li class="tocline"><a href="#initiation-of-processing" class="tocxref"><span class="secno">6.3.1 </span>Initiation of Processing</a></li><li class="tocline"><a href="#verification-of-available-funds" class="tocxref"><span class="secno">6.3.2 </span>Verification of Available Funds</a></li><li class="tocline"><a href="#authorization-of-transfer" class="tocxref"><span class="secno">6.3.3 </span>Authorization of Transfer</a></li><li class="tocline"><a href="#completion-of-transfer" class="tocxref"><span class="secno">6.3.4 </span>Completion of Transfer</a></li></ul></li><li class="tocline"><a href="#delivery-of-product-receipt-and-refunds-2" class="tocxref"><span class="secno">6.4 </span>Delivery of Product/Receipt and Refunds</a><ul class="toc"><li class="tocline"><a href="#delivery-of-product" class="tocxref"><span class="secno">6.4.1 </span>Delivery of Product</a></li><li class="tocline"><a href="#delivery-of-receipt" class="tocxref"><span class="secno">6.4.2 </span>Delivery of Receipt</a></li><li class="tocline"><a href="#refunds" class="tocxref"><span class="secno">6.4.3 </span>Refunds</a></li></ul></li></ul></li><li class="tocline"><a href="#additional-examples-of-the-payment-phases" class="tocxref"><span class="secno">7. </span>Additional Examples of the Payment Phases</a><ul class="toc"><li class="tocline"><a href="#credit-card-payment-visa-mastercard" class="tocxref"><span class="secno">7.1 </span>Credit Card Payment (Visa, MasterCard)</a><ul class="toc"></ul></li><li class="tocline"><a href="#tokenized-payments-applepay-venmo-cybersource" class="tocxref"><span class="secno">7.2 </span>Tokenized Payments (ApplePay / Venmo / CyberSource)</a><ul class="toc"></ul></li><li class="tocline"><a href="#three-corner-model-payments-paypal-alipay-google-wallet" class="tocxref"><span class="secno">7.3 </span>Three Corner Model Payments (PayPal / Alipay / Google Wallet)</a><ul class="toc"></ul></li><li class="tocline"><a href="#cryptocurrency-payment-bitcoin-ripple" class="tocxref"><span class="secno">7.4 </span>Cryptocurrency Payment (Bitcoin, Ripple)</a><ul class="toc"></ul></li><li class="tocline"><a href="#electronic-check-payment" class="tocxref"><span class="secno">7.5 </span>Electronic Check Payment</a></li><li class="tocline"><a href="#direct-debit" class="tocxref"><span class="secno">7.6 </span>Direct Debit (SEPA Direct Debit)</a><ul class="toc"></ul></li><li class="tocline"><a href="#credit-transfer" class="tocxref"><span class="secno">7.7 </span>Credit Transfer (SEPAmail)</a><ul class="toc"></ul></li></ul></li><li class="tocline"><a href="#future-work" class="tocxref"><span class="secno">A. </span>Future Work</a></li><li class="tocline"><a href="#acknowledgements" class="tocxref"><span class="secno">B. </span>Acknowledgements</a></li><li class="tocline"><a href="#references" class="tocxref"><span class="secno">C. </span>References</a><ul class="toc"><li class="tocline"><a href="#informative-references" class="tocxref"><span class="secno">C.1 </span>Informative references</a></li></ul></li></ul></section>
+</section><section id="toc"><h2 class="introductory" id="h-toc" resource="#h-toc"><span property="xhv:role" resource="xhv:heading">Table of Contents</span></h2><ul class="toc" role="directory" id="respecContents"><li class="tocline"><a href="#introduction" class="tocxref"><span class="secno">1. </span>Introduction</a><ul class="toc"><li class="tocline"><a href="#why-this-work-is-important" class="tocxref"><span class="secno">1.1 </span>Why This Work is Important</a></li><li class="tocline"><a href="#relationships" class="tocxref"><span class="secno">1.2 </span>Relationship to Other Documents</a></li><li class="tocline"><a href="#how-this-document-is-organized" class="tocxref"><span class="secno">1.3 </span>How this Document is Organized</a></li></ul></li><li class="tocline"><a href="#terminology" class="tocxref"><span class="secno">2. </span>Terminology</a></li><li class="tocline"><a href="#an-overview-of-the-payment-phases" class="tocxref"><span class="secno">3. </span>An Overview of the Payment Phases</a><ul class="toc"><li class="tocline"><a href="#negotiation-of-payment-terms" class="tocxref"><span class="secno">3.1 </span>Negotiation of Payment Terms</a></li><li class="tocline"><a href="#negotiation-of-payment-instruments" class="tocxref"><span class="secno">3.2 </span>Negotiation of Payment Instruments</a></li><li class="tocline"><a href="#payment-processing" class="tocxref"><span class="secno">3.3 </span>Payment Processing</a></li><li class="tocline"><a href="#delivery-of-product-receipt-and-refunds" class="tocxref"><span class="secno">3.4 </span>Delivery of Product/Receipt and Refunds</a></li></ul></li><li class="tocline"><a href="#a-simple-example-of-the-payment-phases" class="tocxref"><span class="secno">4. </span>A Simple Example of the Payment Phases</a><ul class="toc"><li class="tocline"><a href="#negotiation-of-purchase-terms" class="tocxref"><span class="secno">4.1 </span>Negotiation of Purchase Terms</a></li><li class="tocline"><a href="#negotiation-of-payment-instruments-1" class="tocxref"><span class="secno">4.2 </span>Negotiation of Payment Instruments</a></li><li class="tocline"><a href="#payment-processing-1" class="tocxref"><span class="secno">4.3 </span>Payment Processing</a></li><li class="tocline"><a href="#delivery-of-product-receipt-and-refunds-1" class="tocxref"><span class="secno">4.4 </span>Delivery of Product/Receipt and Refunds</a></li></ul></li><li class="tocline"><a href="#assumptions" class="tocxref"><span class="secno">5. </span>Assumptions</a></li><li class="tocline"><a href="#use-cases-1" class="tocxref"><span class="secno">6. </span>Use Cases</a><ul class="toc"><li class="tocline"><a href="#negotiation-of-payment-terms-1" class="tocxref"><span class="secno">6.1 </span>Negotiation of Payment Terms</a><ul class="toc"><li class="tocline"><a href="#discovery-of-offer" class="tocxref"><span class="secno">6.1.1 </span>Discovery of Offer</a></li><li class="tocline"><a href="#agreement-on-terms" class="tocxref"><span class="secno">6.1.2 </span>Agreement on Terms</a></li><li class="tocline"><a href="#application-of-marketing-elements" class="tocxref"><span class="secno">6.1.3 </span>Application of Marketing Elements</a></li></ul></li><li class="tocline"><a href="#negotiation-of-payment-instruments-2" class="tocxref"><span class="secno">6.2 </span>Negotiation of Payment Instruments</a><ul class="toc"><li class="tocline"><a href="#discovery-of-accepted-schemes" class="tocxref"><span class="secno">6.2.1 </span>Discovery of Accepted Schemes</a></li><li class="tocline"><a href="#selection-of-payment-instruments" class="tocxref"><span class="secno">6.2.2 </span>Selection of Payment Instruments</a></li><li class="tocline"><a href="#authentication-to-access-instruments" class="tocxref"><span class="secno">6.2.3 </span>Authentication to Access Instruments</a></li></ul></li><li class="tocline"><a href="#payment-processing-2" class="tocxref"><span class="secno">6.3 </span>Payment Processing</a><ul class="toc"><li class="tocline"><a href="#initiation-of-processing" class="tocxref"><span class="secno">6.3.1 </span>Initiation of Processing</a></li><li class="tocline"><a href="#verification-of-available-funds" class="tocxref"><span class="secno">6.3.2 </span>Verification of Available Funds</a></li><li class="tocline"><a href="#authorization-of-transfer" class="tocxref"><span class="secno">6.3.3 </span>Authorization of Transfer</a></li><li class="tocline"><a href="#completion-of-transfer" class="tocxref"><span class="secno">6.3.4 </span>Completion of Transfer</a></li></ul></li><li class="tocline"><a href="#delivery-of-product-receipt-and-refunds-2" class="tocxref"><span class="secno">6.4 </span>Delivery of Product/Receipt and Refunds</a><ul class="toc"><li class="tocline"><a href="#delivery-of-product" class="tocxref"><span class="secno">6.4.1 </span>Delivery of Product</a></li><li class="tocline"><a href="#delivery-of-receipt" class="tocxref"><span class="secno">6.4.2 </span>Delivery of Receipt</a></li><li class="tocline"><a href="#refunds" class="tocxref"><span class="secno">6.4.3 </span>Refunds</a></li></ul></li></ul></li><li class="tocline"><a href="#additional-examples-of-the-payment-phases" class="tocxref"><span class="secno">7. </span>Additional Examples of the Payment Phases</a><ul class="toc"><li class="tocline"><a href="#credit-card-payment-visa-mastercard" class="tocxref"><span class="secno">7.1 </span>Credit Card Payment (Visa, MasterCard)</a><ul class="toc"></ul></li><li class="tocline"><a href="#tokenized-payments-applepay-venmo-cybersource" class="tocxref"><span class="secno">7.2 </span>Tokenized Payments (ApplePay / Venmo / CyberSource)</a><ul class="toc"></ul></li><li class="tocline"><a href="#three-corner-model-payments-paypal-alipay-google-wallet" class="tocxref"><span class="secno">7.3 </span>Three Corner Model Payments (PayPal / Alipay / Google Wallet)</a><ul class="toc"></ul></li><li class="tocline"><a href="#cryptocurrency-payment-bitcoin-ripple" class="tocxref"><span class="secno">7.4 </span>Cryptocurrency Payment (Bitcoin, Ripple)</a><ul class="toc"></ul></li><li class="tocline"><a href="#electronic-check-payment" class="tocxref"><span class="secno">7.5 </span>Electronic Check Payment</a></li><li class="tocline"><a href="#direct-debit" class="tocxref"><span class="secno">7.6 </span>Direct Debit (SEPA Direct Debit)</a><ul class="toc"></ul></li><li class="tocline"><a href="#credit-transfer" class="tocxref"><span class="secno">7.7 </span>Credit Transfer (SEPAmail)</a><ul class="toc"></ul></li></ul></li><li class="tocline"><a href="#future-work" class="tocxref"><span class="secno">A. </span>Future Work</a></li><li class="tocline"><a href="#acknowledgements" class="tocxref"><span class="secno">B. </span>Acknowledgements</a></li><li class="tocline"><a href="#references" class="tocxref"><span class="secno">C. </span>References</a><ul class="toc"><li class="tocline"><a href="#informative-references" class="tocxref"><span class="secno">C.1 </span>Informative references</a></li></ul></li></ul></section>
@@ -501,8 +535,46 @@
</p>
</section>
+ <section id="relationships" typeof="bibo:Chapter" resource="#relationships" property="bibo:hasPart">
+ <h3 id="h-relationships" resource="#h-relationships"><span property="xhv:role" resource="xhv:heading"><span class="secno">1.2 </span>Relationship to Other Documents</span></h3>
+ <p>
+This document is one part of a greater body of work around Web Payments that
+the <a href="https://www.w3.org/Payments/IG/">Web Payments Interest Group</a>
+at <abbr title="World Wide Web Consortium">W3C</abbr> is producing. These other documents include:
+ </p>
+
+ <ul>
+ <li>
+<a href="https://www.w3.org/Payments/IG/Vision">A 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> (this document) is a prioritized list of all Web Payments scenarios
+that the Web Payments Interest Group expects the architecture to address
+in time.
+ </li>
+
+ <li>
+<a href="https://dvcs.w3.org/hg/webpayments/raw-file/default/latest/capabilities/index.html">
+Web Payments Capabilities 1.0</a>
+derives a set of capabilities from the use cases that, if standardized, will
+improve payments on the Web.
+ </li>
+
+ <li>
+<a href="https://www.w3.org/Payments/IG/Roadmap">Web Payments Roadmap 1.0</a>
+proposes an implementation and deployment plan that will result in
+enhancements to the Open Web Platform that will achieve the scenarios outlined
+in the Use Cases document and the capabilities listed in the Capabilities
+document.
+ </li>
+ </ul>
+ </section>
+
<section id="how-this-document-is-organized" typeof="bibo:Chapter" resource="#how-this-document-is-organized" property="bibo:hasPart">
- <h3 id="h-how-this-document-is-organized" resource="#h-how-this-document-is-organized"><span property="xhv:role" resource="xhv:heading"><span class="secno">1.2 </span>How this Document is Organized</span></h3>
+ <h3 id="h-how-this-document-is-organized" resource="#h-how-this-document-is-organized"><span property="xhv:role" resource="xhv:heading"><span class="secno">1.3 </span>How this Document is Organized</span></h3>
<p>
This document is organized as follows:
@@ -510,27 +582,29 @@
<ul>
<li>
-<a href="#terminology">Section 2</a> defines basic payment terms.
- </li>
- <li>
-<a href="#an-overview-of-the-payment-phases">Section 3</a> describes a
-common payment flow at a high level. The group expects to work on additional
-payment flows in future work.
+<a href="#terminology">Section 2: Terminology</a> defines basic payment
+terminology.
</li>
<li>
-<a href="#a-simple-example-of-the-payment-phases">Section 4</a> is a specific
-narrative, labeled according to the steps of section 3.
-<a href="#additional-examples-of-the-payment-phases">Section 7</a> describes
-additional familiar narratives to give a more complete picture
-of how the payment phases apply.
+<a href="#an-overview-of-the-payment-phases">Section 3: An Overview of the
+Payment Phases</a> describes a common payment flow at a high level. The group
+expects to work on additional payment flows in future work.
</li>
<li>
-<a href="#assumptions">Section 5</a> highlights general assumptions that have
-been made about the use cases.
+<a href="#a-simple-example-of-the-payment-phases">Section 4: A Simple
+Example of the Payment Phases</a> is a specific
+narrative, labeled according to the steps of section 3.
+<a href="#additional-examples-of-the-payment-phases">Section 7:
+Additional Examples of the Payment Phases</a> describes additional familiar
+narratives to give a more complete picture of how the payment phases apply.
</li>
<li>
-<a href="#use-cases-1">Section 6</a> lists the use cases - short scenarios
-that cover diverse aspects of each payment step.
+<a href="#assumptions">Section 5: Assumptions</a> highlights general
+assumptions that have been made about the use cases.
+ </li>
+ <li>
+<a href="#use-cases-1">Section 6: Use Cases</a> lists the use cases - short
+scenarios that cover diverse aspects of each payment step.
</li>
</ul>
@@ -542,8 +616,9 @@
A title and short description.
</li>
<li>
-A <em>Target version</em> which specifies the intended version of the Web
-Payments Architecture that will enable the use case.
+A <em>Roadmap phase</em> which specifies the intended phase of the
+<a href="https://www.w3.org/Payments/IG/Roadmap">Web Payments Roadmap</a> that
+will enable the use case.
</li>
<li>
A short <em>Motivation</em> statement to help explain why the use
@@ -642,7 +717,7 @@
- <dt><dfn id="dfn-entity">entity</dfn></dt>
+ <dt><dfn lt="entity|entities" id="dfn-entity">entity</dfn></dt>
<dd>A person, organization, or software agent that is capable of
interacting with the world.</dd>
@@ -669,11 +744,11 @@
- <dt><dfn id="dfn-payee">payee</dfn></dt>
+ <dt><dfn lt="payee|payees" id="dfn-payee">payee</dfn></dt>
<dd>An entity that receives funds as required by a transaction.</dd>
- <dt><dfn id="dfn-payer">payer</dfn></dt>
+ <dt><dfn lt="payer|payers" id="dfn-payer">payer</dfn></dt>
<dd>An entity that provides a source of funds as required by a
transaction.</dd>
@@ -682,7 +757,7 @@
- <dt><dfn id="dfn-payment-instrument">payment instrument</dfn></dt>
+ <dt><dfn lt="payment instrument|payment instruments" id="dfn-payment-instrument">payment instrument</dfn></dt>
<dd>A mechanism used to transfer value from a <a href="#dfn-payer" class="internalDFN">payer</a> to a
<a href="#dfn-payee" class="internalDFN">payee</a>. Examples: Corporate Visa card, personal Visa card, a
@@ -700,13 +775,13 @@
- <dt><dfn id="dfn-payment-processor">payment processor</dfn></dt>
+ <dt><dfn lt="payment processor|payment processors" id="dfn-payment-processor">payment processor</dfn></dt>
<dd>An <a href="#dfn-entity" class="internalDFN">entity</a> that submits and processes payments using a
particular <a href="#dfn-payment-instrument" class="internalDFN">payment instrument</a> to a payment network. Examples:
Stripe, PayPal, Authorize.net, Atos, FedACH.</dd>
- <dt><dfn id="dfn-payment-scheme">payment scheme</dfn></dt>
+ <dt><dfn lt="payment scheme|payment schemes" id="dfn-payment-scheme">payment scheme</dfn></dt>
<dd>Sets of rules and technical standards for the execution of payment
<a title="transaction" href="#dfn-transaction" class="internalDFN">transactions</a> that have to be followed by
@@ -720,21 +795,23 @@
- <dt><dfn id="dfn-pull-payment">pull payment</dfn> or <dfn id="dfn-payee-initiated-payment">payee-initiated payment</dfn></dt>
+ <dt><dfn lt="pull payment|pull payments|payee-initiated payment|payee-initiated payments" id="dfn-payee-initiated-payment">payee-initiated payment</dfn></dt>
- <dd>A type of <a href="#dfn-transaction" class="internalDFN">transaction</a> where the <a href="#dfn-payee" class="internalDFN">payee</a> initiates the
+ <dd>Also known as a pull payment, a type of <a href="#dfn-transaction" class="internalDFN">transaction</a> where
+ the <a href="#dfn-payee" class="internalDFN">payee</a> initiates the
funds transfer from the <a href="#dfn-payee" class="internalDFN">payee</a>. A credit card payment is an
example of a pull payment.</dd>
- <dt><dfn id="dfn-purchase">purchase</dfn></dt>
+ <dt><dfn lt="purchase|purchases" id="dfn-purchase">purchase</dfn></dt>
<dd>Activities surrounding and including a transaction (e.g.,
discovery of an offer, negotiation of terms, selection of payment
instrument, delivery, etc.).</dd>
- <dt><dfn id="dfn-push-payment">push payment</dfn> or <dfn id="dfn-payer-initiated-payment">payer-initiated payment</dfn></dt>
+ <dt><dfn lt="push payment|push payments|payer-initiated payment|payer-initiated payments" id="dfn-payer-initiated-payment">payer-initiated payment</dfn></dt>
- <dd>A type of <a href="#dfn-transaction" class="internalDFN">transaction</a> where the <a href="#dfn-payer" class="internalDFN">payer</a> initiates the
+ <dd>Also known as a push payment, a type of <a href="#dfn-transaction" class="internalDFN">transaction</a> where the
+ <a href="#dfn-payer" class="internalDFN">payer</a> initiates the
funds transfer to the <a href="#dfn-payee" class="internalDFN">payee</a>. PayPal is an example of a push
payment.</dd>
@@ -750,24 +827,25 @@
- <dt><dfn id="dfn-transaction">transaction</dfn></dt>
+ <dt><dfn lt="transaction|transactions" id="dfn-transaction">transaction</dfn></dt>
<dd>An economic exchange between a <a href="#dfn-payer" class="internalDFN">payer</a> and one or more
<a title="payee" href="#dfn-payee" class="internalDFN">payees</a>. An agreement, communication, or movement
carried out between a buyer and a seller to exchange an asset for
- payment</dd>
+ payment.</dd>
- <dt><dfn id="dfn-transfer-order">transfer order</dfn></dt>
+ <dt><dfn lt="transfer order|transfer orders" id="dfn-transfer-order">transfer order</dfn></dt>
<dd>[ECB] an order or message requesting the transfer of assets (e.g.
funds, securities, other financial instruments or commodities) from
- the debtor to the creditor</dd>
+ the debtor to the creditor.</dd>
<dt></dt>
-</dl></div>
+</dl>
+</div>
</section>
@@ -1167,8 +1245,8 @@
<dd>
Penny uses the HobbyCo website to select a $15 model train for <a href="#dfn-purchase" class="internalDFN">purchase</a>.
</dd>
- <dt>Target version</dt>
- <dd>1.0</dd>
+ <dt>Roadmap phase</dt>
+ <dd>1</dd>
<dt>Motivation</dt>
<dd>
A human being seeing a visual offer of sale on a website is the most common
@@ -1183,7 +1261,7 @@
all of the items he wants to <a href="#dfn-purchase" class="internalDFN">purchase</a> at the automated kiosk, requests
a cash back amount, and is presented with a total amount.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1232,7 +1310,7 @@
</li>
</ul>
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1259,7 +1337,7 @@
Chaoxiang plays his favorite native app game and wants to upgrade his avatar
with a few extra "power-ups". Clicking on a power-up displays the price.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1276,7 +1354,7 @@
A GroupBuyCo customer receives an offer by email to <a href="#dfn-purchase" class="internalDFN">purchase</a> the deal
of the day.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1297,7 +1375,7 @@
Renne checks into a hotel and is asked for a deposit for any damages
to the room.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1322,7 +1400,7 @@
fuels it has and their price in an offer. Krishna's car asks if he wants to
approve a fill up for up to €35.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1356,7 +1434,7 @@
information so that SearchCo may index their content more easily and direct
more customer traffic to BigBoxCo's website.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1372,7 +1450,7 @@
algorithm that uses the cost of coal and crude oil as inputs. EnergyCo
guarantees their prices for up to 24 hours from the posting date.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1393,7 +1471,7 @@
the first level. The game asks her if she'd like to buy the full game
to play further levels.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1410,7 +1488,7 @@
serves a digital offer along with the music stream. This enables Jeff to
easily buy music that he really likes.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1435,7 +1513,7 @@
Vern sends money to his friend Milena by typing in Milena's mobile phone number
and the amount he wants to send.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1458,8 +1536,8 @@
<dd>
Jamie wishes to pay for a single article from a market analyst.
</dd>
- <dt>Target version</dt>
- <dd>1.0</dd>
+ <dt>Roadmap phase</dt>
+ <dd>1</dd>
<dt>Motivation</dt>
<dd>It should be clear to a
<a title="payer" href="#dfn-payer" class="internalDFN">payer</a> whether a
@@ -1489,8 +1567,8 @@
</li>
</ul>
</dd>
- <dt>Target version</dt>
- <dd>1.0</dd>
+ <dt>Roadmap phase</dt>
+ <dd>1</dd>
<dt>Motivation</dt>
<dd>
There are a large number of "paywall" websites on the Web that require a
@@ -1515,8 +1593,8 @@
Larissa subscribes to a site that provides a monthly analysis of the world
of finance.
</dd>
- <dt>Target version</dt>
- <dd>1.0 (if time permits)</dd>
+ <dt>Roadmap phase</dt>
+ <dd>1 (if time permits)</dd>
<dt>Motivation</dt>
<dd>
<a title="payer" href="#dfn-payer" class="internalDFN">Payers</a> should be able to understand if a
@@ -1557,7 +1635,7 @@
</li>
</ul>
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1591,7 +1669,7 @@
candy store, which did not require any personally identifying information to
complete the <a href="#dfn-transaction" class="internalDFN">transaction</a>.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1616,7 +1694,7 @@
would like to reduce the amount of information that's transmitted to the
<a href="#dfn-payee" class="internalDFN">payee</a> while ensuring that PayCo complies with regulations.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1645,7 +1723,7 @@
</li>
</ul>
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1661,7 +1739,7 @@
Marge wishes to renew her passport online which requires transmission
of a fee and a great deal of information about her real-world identity.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1687,7 +1765,7 @@
<a title="purchase" href="#dfn-purchase" class="internalDFN">purchases</a>. The offer takes the form of a coupon that
may be applied during payment.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1704,7 +1782,7 @@
gives him a discount on gas <a title="purchase" href="#dfn-purchase" class="internalDFN">purchases</a> performed at the
FoodCo gas station.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1723,7 +1801,7 @@
a new store credit card is placed in her payment application on her mobile
phone.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1753,8 +1831,8 @@
A game store Web site accepts payment via credit card, e-check, and
operator billing.
</dd>
- <dt>Target version</dt>
- <dd>1.0</dd>
+ <dt>Roadmap phase</dt>
+ <dd>1</dd>
<dt>Motivation</dt>
<dd>
Ubiquitous <a title="payment scheme" href="#dfn-payment-scheme" class="internalDFN">payment schemes</a> should be supported
@@ -1773,7 +1851,7 @@
<dd>
CrowdFundCo supports Bitcoin, Ripple, Google Wallet, and PayPal.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1797,15 +1875,15 @@
cloud (but on different websites), and one on his smart watch. Each one has
a credit card that he may want to use for a credit card-based <a href="#dfn-purchase" class="internalDFN">purchase</a>.
</dd>
- <dt>Target version</dt>
- <dd>1.0</dd>
+ <dt>Roadmap phase</dt>
+ <dd>1</dd>
<dt>Motivation</dt>
<dd>
A <a href="#dfn-payer" class="internalDFN">payer</a> will most likely use multiple digital wallets over time. It is
important to ensure that the wallets that they use are presented to them in a
consistent manner across devices.
<span class="issue">The amount of wallet/payment instrument discovery
-flexibility that version 1.0 should support is currently unknown.</span>
+flexibility that phase 1 should support is currently unknown.</span>
</dd>
<dt>Accessibility</dt>
<dd>
@@ -1836,8 +1914,8 @@
</li>
</ul>
</dd>
- <dt>Target version</dt>
- <dd>1.0</dd>
+ <dt>Roadmap phase</dt>
+ <dd>1</dd>
<dt>Motivation</dt>
<dd>
Sharing or protecting data on the sorts of
@@ -1890,8 +1968,8 @@
</li>
</ul>
</dd>
- <dt>Target version</dt>
- <dd>1.0</dd>
+ <dt>Roadmap phase</dt>
+ <dd>1</dd>
<dt>Motivation</dt>
<dd>
There are scenarios, such as the first interaction/use of a payment instrument,
@@ -1929,7 +2007,7 @@
</li>
</ul>
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -1950,8 +2028,8 @@
When Suresh attempts to pay online, he is asked for a username and password
by his payment service provider before the payment is approved.
</dd>
- <dt>Target version</dt>
- <dd>1.0</dd>
+ <dt>Roadmap phase</dt>
+ <dd>1</dd>
<dt>Motivation</dt>
<dd>
The most common mechanism for protecting access to payment instruments on the
@@ -1994,8 +2072,8 @@
</li>
</ul>
</dd>
- <dt>Target version</dt>
- <dd>1.0</dd>
+ <dt>Roadmap phase</dt>
+ <dd>1</dd>
<dt>Motivation</dt>
<dd>The payments architecture should support
the authentication devices available today for
@@ -2043,7 +2121,7 @@
</li>
</ul>
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -2089,7 +2167,7 @@
</li>
</ul>
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -2127,7 +2205,7 @@
</li>
</ul>
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -2172,7 +2250,7 @@
daily withdrawal limit, and typical spending behavior and alerts him when a
suspicious payment has been requested.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -2190,7 +2268,7 @@
by an access control list as well as limits on the amount that each
employee can spend without authorization by management.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -2245,8 +2323,8 @@
</li>
</ul>
</dd>
- <dt>Target version</dt>
- <dd>1.0</dd>
+ <dt>Roadmap phase</dt>
+ <dd>1</dd>
<dt>Motivation</dt>
<dd>
Payee-initiated payments, also known as "pull payments" or
@@ -2284,8 +2362,8 @@
</li>
</ul>
</dd>
- <dt>Target version</dt>
- <dd>1.0</dd>
+ <dt>Roadmap phase</dt>
+ <dd>1</dd>
<dt>Motivation</dt>
<dd>
Payer-initiated payments, also known as "push payments",
@@ -2316,7 +2394,7 @@
room. She uses her phone to provide a proof-of-hold until she checks out of
the hotel, at which time the hold on her funds will be released.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -2334,7 +2412,7 @@
the company that makes the car requires a proof of funds from Mario's bank
in order for the customization of the car to proceed.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -2380,8 +2458,8 @@
</li>
</ul>
</dd>
- <dt>Target version</dt>
- <dd>1.0</dd>
+ <dt>Roadmap phase</dt>
+ <dd>1</dd>
<dt>Motivation</dt>
<dd>
At times, it is safe to release a good
@@ -2428,7 +2506,7 @@
</li>
</ul>
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Exceptions</dt>
<dd>
@@ -2469,7 +2547,7 @@
</ul>
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -2496,7 +2574,7 @@
that payment has been initiated almost immediately. Four days later, WaveMart
receives a notification from their bank that payment has been received.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -2528,8 +2606,8 @@
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>
+ <dt>Roadmap phase</dt>
+ <dd>1</dd>
<dt>Motivation</dt>
<dd>
The <a href="#dfn-purchase" class="internalDFN">purchase</a> and delivery of physical goods via an online marketplace
@@ -2545,8 +2623,8 @@
proof of <a href="#dfn-purchase" class="internalDFN">purchase</a> that is sent to the band's website, after which
MusicBox provides Lilith a link to download the additional content.
</dd>
- <dt>Target version</dt>
- <dd>1.0</dd>
+ <dt>Roadmap phase</dt>
+ <dd>1</dd>
<dt>Motivation</dt>
<dd>
Delivery of product can happen on any site that accepts a proof of purchase
@@ -2560,7 +2638,7 @@
Takeru orders a new backpack online and has it shipped to a nearby department
store for pickup.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -2581,8 +2659,8 @@
the <a href="#dfn-purchase" class="internalDFN">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>Roadmap phase</dt>
+ <dd>1 (very basic receipt container and delivery protocol)</dd>
<dt>Motivation</dt>
<dd>
Standardized, machine-readable electronic receipts make it easier to
@@ -2617,7 +2695,7 @@
terminal he taps his phone to a kiosk and receives a printed physical receipt
that he can use on the bus.
</dd>
- <dt>Target version</dt>
+ <dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
<dt>Motivation</dt>
<dd>
@@ -2672,8 +2750,8 @@
</li>
</ul>
</dd>
- <dt>Target version</dt>
- <dd>1.0 (if time permits)</dd>
+ <dt>Roadmap phase</dt>
+ <dd>1 (if time permits)</dd>
<dt>Motivation</dt>
<dd>
Some <a href="#dfn-transaction" class="internalDFN">transaction</a>s are the result of human error or fault. In these
@@ -3096,7 +3174,7 @@
<p>
The following scenario outlines an ideal payment experience using a
Direct Debit (<a href="#dfn-payee-initiated-payment" class="internalDFN">payee-initiated payment</a>), also known as a
-<a href="#dfn-pull-payment" class="internalDFN">pull payment</a> in the context of a <a href="#dfn-four-corner-model" class="internalDFN">four corner model</a> payment.
+pull payment in the context of a <a href="#dfn-four-corner-model" class="internalDFN">four corner model</a> payment.
In this scenario, Anna is signing up for electricity service via the
service's website. During the payment process she will validate an electronic
direct debit mandate.
@@ -3193,7 +3271,7 @@
<p>
The following scenario outlines an ideal payment experience using a
<a href="#dfn-payer-initiated-payment" class="internalDFN">payer-initiated payment</a>, also known as a
-<a href="#dfn-push-payment" class="internalDFN">push payment</a> in the context of a <a href="#dfn-four-corner-model" class="internalDFN">four corner model</a> payment. In
+push payment in the context of a <a href="#dfn-four-corner-model" class="internalDFN">four corner model</a> payment. In
this scenario, Anna is buying a very expensive piece of furniture that costs
far more than the maximum amount allowed by her payment card. She pays
using her bank account via her bank's website.
@@ -3289,9 +3367,24 @@
<!--OddPage--><h2 id="h-future-work" resource="#h-future-work"><span property="xhv:role" resource="xhv:heading"><span class="secno">A. </span>Future Work</span></h2>
<ul>
- <li>Automatic Tax Payment</li>
- <li>Person to Person Cash Payment</li>
- <li>Government Entitlement Disbursement</li>
+ <li>
+Integration of US Federal Reserve Faster Payments Use Cases
+ </li>
+ <li>
+Integration of Bill and Melinda Gates Foundation Level One Project Use Cases
+ </li>
+ <li>
+Government Entitlement Disbursement
+ </li>
+ <li>
+Automatic Tax Payment
+ </li>
+ <li>
+Person to Person Cash Payment
+ </li>
+ <li>
+Government Entitlement Disbursement
+ </li>
</ul>
</section>
--- a/latest/use-cases/index.html Thu Jul 16 23:02:06 2015 -0400
+++ b/latest/use-cases/index.html Thu Jul 16 23:31:05 2015 -0400
@@ -16,7 +16,7 @@
shortName: "web-payments-use-cases",
// if you wish the publication date to be other than today, set this
- //publishDate: "2015-04-16",
+ //publishDate: "2015-07-15",
// if there is a previously published draft, uncomment this and set its YYYY-MM-DD date
// and its maturity status