Add payer-initiated payment scenario from Alibaba.
authorManu Sporny <msporny@digitalbazaar.com>
Sat, 28 Mar 2015 00:11:45 -0400
changeset 98 80b220fe1623
parent 97 c956716edbed
child 99 1bd43d0e98ba
Add payer-initiated payment scenario from Alibaba.
latest/use-cases/index.html
--- a/latest/use-cases/index.html	Fri Mar 27 23:52:01 2015 -0400
+++ b/latest/use-cases/index.html	Sat Mar 28 00:11:45 2015 -0400
@@ -1965,6 +1965,80 @@
     <section>
       <h3>PayPal / Alipay / Google Wallet Payment</h3>
       <p>
+The following scenario outlines an ideal payment experience using a
+<tref>payer</tref>-initiated payment, also known as a "push-payment" or
+"three corner model payment". In this scenario, Anna is buying an airline
+ticket from a booking website and during the payment process she uses her
+fingerprint instead of a password to authorize the payment.
+      </p>
+
+      <h3>Negotiation of Purchase Terms</h3>
+
+      <p>
+<strong>Discovery of Offer</strong>: Anna searches for a flight on
+the booking website. She finds a flight for the ideal price and time.
+      </p>
+
+      <p>
+<strong>Agreement on Terms</strong>: Anna selects the flight and agrees to the
+terms and service associated with the ticket.
+      </p>
+
+      <p>
+<strong>Application of Marketing Elements</strong>: <em>Not applicable to
+this particular use case.</em>
+      </p>
+
+      <h3>Negotiation of Payment Instruments</h3>
+
+      <p>
+<strong>Discovery of Accepted Schemes</strong>: The booking website takes
+Alipay, Visa, MasterCard, and China UnionPay for payment.
+      </p>
+
+      <p>
+<strong>Selection of Payment Instruments</strong>: Anna chooses Alipay for
+payment.
+      </p>
+
+      <p>
+<strong>Authentication to Access Instruments</strong>: Anna logs in the Alipay
+with her account name and password. Anna is told that she will pay for the
+airline ticket with 600RMB and she confirms it. Anna uses her fingerprint to
+approve the payment.
+      </p>
+
+      <h3>Payment Processing</h3>
+
+      <p>
+<strong>Initiation of Processing</strong>: Anna's Alipay wallet initiates
+the transaction.
+        </p>
+        <p>
+<strong>Verification of Available Funds</strong>: <em>Not applicable to
+this particular use case.</em>
+        </p>
+        <p>
+<strong>Authorization of Transfer</strong>: Alipay initiates the payment to
+the booking website based on Anna's prior fingerprint-based authorization.
+        </p>
+        <p>
+<strong>Completion of Transfer</strong>: The booking website gets a message
+from Alipay that the transfer is complete.
+        </p>
+
+      <h3>Delivery of Product/Receipt</h3>
+
+      <p>
+<strong>Delivery of Receipt</strong>: The booking website sees that Anna's
+airline ticket order has been paid and sends a receipt massage to her
+digital wallet.
+      </p>
+
+      <p>
+<strong>Delivery of Product</strong>: The booking website sends an email to
+Anna with the flight information including the airline, flight number,
+departure time, and gate number.
       </p>
     </section>