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<title>Web Payments Use Cases 1.0</title>
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<a href="http://www.w3.org/"><img width="72" height="48" src="https://www.w3.org/Icons/w3c_home" alt="W3C"></a>
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<h1 class="title p-name" id="title" property="dcterms:title">Web Payments Use Cases 1.0</h1>
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<h2 id="w3c-working-draft-28-july-2015"><abbr title="World Wide Web Consortium">W3C</abbr> Working Draft <time property="dcterms:issued" class="dt-published" datetime="2015-07-28">28 July 2015</time></h2>
<dl>
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<dt>This version:</dt>
<dd><a class="u-url" href="http://www.w3.org/TR/2015/WD-web-payments-use-cases-20150728/">http://www.w3.org/TR/2015/WD-web-payments-use-cases-20150728/</a></dd>
<dt>Latest published version:</dt>
<dd><a href="http://www.w3.org/TR/web-payments-use-cases/">http://www.w3.org/TR/web-payments-use-cases/</a></dd>
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<dt>Latest editor's draft:</dt>
<dd><a href="https://dvcs.w3.org/hg/webpayments/raw-file/default/latest/use-cases/index.html">https://dvcs.w3.org/hg/webpayments/raw-file/default/latest/use-cases/index.html</a></dd>
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<dt>Previous version:</dt>
<dd><a rel="dcterms:replaces" href="http://www.w3.org/TR/2015/WD-web-payments-use-cases-20150416/">http://www.w3.org/TR/2015/WD-web-payments-use-cases-20150416/</a></dd>
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<dt>Editors:</dt>
<dd class="p-author h-card vcard" property="bibo:editor" resource="_:editor0"><span property="rdf:first" 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>
<span property="rdf:rest" resource="_:editor1"></span>
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<span property="rdf:rest" resource="rdf:nil"></span>
</dd>
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<dt>Authors:</dt>
<dd class="p-author h-card vcard"><span property="dc:contributor" typeof="foaf:Person"><meta property="foaf:name" content="Ian Jacobs"><a class="u-url url p-name fn" property="foaf:homepage" href="http://www.w3.org/People/Jacobs/">Ian Jacobs</a>, <a property="foaf:workplaceHomepage" class="p-org org h-org h-card" href="http://www.w3.org/"><abbr title="World Wide Web Consortium">W3C</abbr></a></span>
</dd>
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<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>
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<dt>Version control:</dt>
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<dd>
<a href="https://github.com/w3c/webpayments-ig">
Github Repository
</a>
</dd>
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<dd>
<a href="http://www.w3.org/Payments/IG/track/products/2">
Issues
</a>
</dd>
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</dl>
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<p>
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This document is also available in this non-normative format:
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<a rel="alternate" href="diff-20150416.html">diff to previous version</a>
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<p class="copyright">
<a href="http://www.w3.org/Consortium/Legal/ipr-notice#Copyright">Copyright</a> ©
2015
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<a href="http://www.w3.org/"><abbr title="World Wide Web Consortium">W3C</abbr></a><sup>®</sup>
(<a href="http://www.csail.mit.edu/"><abbr title="Massachusetts Institute of Technology">MIT</abbr></a>,
<a href="http://www.ercim.eu/"><abbr title="European Research Consortium for Informatics and Mathematics">ERCIM</abbr></a>,
- <a href="http://www.keio.ac.jp/">Keio</a>, <a href="http://ev.buaa.edu.cn/">Beihang</a>).
-
+ <a href="http://www.keio.ac.jp/">Keio</a>, <a href="http://ev.buaa.edu.cn/">Beihang</a>).
+
<abbr title="World Wide Web Consortium">W3C</abbr> <a href="http://www.w3.org/Consortium/Legal/ipr-notice#Legal_Disclaimer">liability</a>,
<a href="http://www.w3.org/Consortium/Legal/ipr-notice#W3C_Trademarks">trademark</a> and
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<a href="http://www.w3.org/Consortium/Legal/copyright-documents">document use</a>
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rules apply.
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use cases and make payments over the Web easier and more secure.
</p>
</section><section id="sotd" class="introductory"><h2 id="h-sotd" resource="#h-sotd"><span property="xhv:role" resource="xhv:heading">Status of This Document</span></h2>
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<p>
<em>This section describes the status of this document at the time of its publication.
Other documents may supersede this document. A list of current <abbr title="World Wide Web Consortium">W3C</abbr> publications and the
latest revision of this technical report can be found in the <a href="http://www.w3.org/TR/"><abbr title="World Wide Web Consortium">W3C</abbr> technical reports index</a> at
http://www.w3.org/TR/.</em>
</p>
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<p>
This document is a work in progress and is being released early and often
using an agile process; it is incomplete.
@@ -406,52 +406,52 @@
Web Payments Interest Group.
</li>
</ul>
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<p>
This document was published by the <a href="http://www.w3.org/blog/wpig/">Web Payments Interest Group</a> as a Working Draft.
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This document is intended to become a <abbr title="World Wide Web Consortium">W3C</abbr> Recommendation.
-
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- If you wish to make comments regarding this document, please send them to
- <a href="mailto:public-webpayments-comments@w3.org">public-webpayments-comments@w3.org</a>
+
+
+ If you wish to make comments regarding this document, please send them to
+ <a href="mailto:public-webpayments-comments@w3.org">public-webpayments-comments@w3.org</a>
(<a href="mailto:public-webpayments-comments-request@w3.org?subject=subscribe">subscribe</a>,
<a href="http://lists.w3.org/Archives/Public/public-webpayments-comments/">archives</a>).
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All comments are welcome.
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<p>
Publication as a Working Draft does not imply endorsement by the <abbr title="World Wide Web Consortium">W3C</abbr>
Membership. This is a draft document and may be updated, replaced or obsoleted by other
documents at any time. It is inappropriate to cite this document as other than work in
progress.
</p>
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<p>
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- This document was produced by a group operating under the
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+ This document was produced by a group operating under the
<a id="sotd_patent" property="w3p:patentRules" href="http://www.w3.org/Consortium/Patent-Policy-20040205/">5 February 2004 <abbr title="World Wide Web Consortium">W3C</abbr> Patent
Policy</a>.
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<abbr title="World Wide Web Consortium">W3C</abbr> maintains a <a href="http://www.w3.org/2004/01/pp-impl/73816/status" rel="disclosure">public list of any patent
- disclosures</a>
-
+ disclosures</a>
+
made in connection with the deliverables of the group; that page also includes
instructions for disclosing a patent. An individual who has actual knowledge of a patent
which the individual believes contains
@@ -459,20 +459,20 @@
Claim(s)</a> must disclose the information in accordance with
<a href="http://www.w3.org/Consortium/Patent-Policy-20040205/#sec-Disclosure">section
6 of the <abbr title="World Wide Web Consortium">W3C</abbr> Patent Policy</a>.
-
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+
</p>
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<p>This document is governed by the <a id="w3c_process_revision" href="http://www.w3.org/2014/Process-20140801/">1 August 2014 <abbr title="World Wide Web Consortium">W3C</abbr> Process Document</a>.
</p>
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</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>
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<section id="introduction" typeof="bibo:Chapter" resource="#introduction" property="bibo:hasPart">
<!--OddPage--><h2 id="h-introduction" resource="#h-introduction"><span property="xhv:role" resource="xhv:heading"><span class="secno">1. </span>Introduction</span></h2>
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<dl class="termlist">
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+ <dt><dfn id="dfn-entity">entity</dfn></dt>
<dd>A person, organization, or software agent that is capable of
interacting with the world.</dd>
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<dt></dt>
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<dt></dt>
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- <dt><dfn lt="payee|payees" id="dfn-payee">payee</dfn></dt>
+
+
+ <dt></dt>
+
+
+
+ <dt><dfn id="dfn-payee">payee</dfn></dt>
<dd>An entity that receives funds as required by a transaction.</dd>
- <dt><dfn lt="payer|payers" id="dfn-payer">payer</dfn></dt>
+ <dt><dfn id="dfn-payer">payer</dfn></dt>
<dd>An entity that provides a source of funds as required by a
transaction.</dd>
<dt></dt>
-
-
- <dt><dfn lt="payment instrument|payment instruments" id="dfn-payment-instrument">payment instrument</dfn></dt>
+
+
+ <dt><dfn 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
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<dt></dt>
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+
<dt></dt>
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- <dt><dfn lt="payment processor|payment processors" id="dfn-payment-processor">payment processor</dfn></dt>
+
+
+ <dt><dfn 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 lt="payment scheme|payment schemes" id="dfn-payment-scheme">payment scheme</dfn></dt>
+ <dt><dfn 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
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<dt></dt>
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- <dt><dfn lt="pull payment|pull payments|payee-initiated payment|payee-initiated payments" id="dfn-payee-initiated-payment">payee-initiated payment</dfn></dt>
+
+
+ <dt><dfn id="dfn-payee-initiated-payment">payee-initiated payment</dfn></dt>
<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 lt="purchase|purchases" id="dfn-purchase">purchase</dfn></dt>
+ <dt><dfn 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 lt="push payment|push payments|payer-initiated payment|payer-initiated payments" id="dfn-payer-initiated-payment">payer-initiated payment</dfn></dt>
+ <dt><dfn id="dfn-payer-initiated-payment">payer-initiated payment</dfn></dt>
<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
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<dt></dt>
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<dt></dt>
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<dt></dt>
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- <dt><dfn lt="transaction|transactions" id="dfn-transaction">transaction</dfn></dt>
+
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+ <dt><dfn 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>
- <dt><dfn lt="transfer order|transfer orders" id="dfn-transfer-order">transfer order</dfn></dt>
+ <dt><dfn 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>
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</div>
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can access and use the funds.
</li>
</ul>
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</dd>
<dt>Roadmap phase</dt>
<dd>Uncategorized</dd>
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</p>
</section>
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<section id="references" class="appendix" typeof="bibo:Chapter" resource="#references" property="bibo:hasPart"><!--OddPage--><h2 id="h-references" resource="#h-references"><span property="xhv:role" resource="xhv:heading"><span class="secno">C. </span>References</span></h2><section id="informative-references" typeof="bibo:Chapter" resource="#informative-references" property="bibo:hasPart"><h3 id="h-informative-references" resource="#h-informative-references"><span property="xhv:role" resource="xhv:heading"><span class="secno">C.1 </span>Informative references</span></h3><dl class="bibliography" resource=""><dt id="bib-WCAG20">[WCAG20]</dt><dd>Ben Caldwell; Michael Cooper; Loretta Guarino Reid; Gregg Vanderheiden et al. <a href="http://www.w3.org/TR/WCAG20/" property="dc:references"><cite>Web Content Accessibility Guidelines (WCAG) 2.0</cite></a>. 11 December 2008. W3C Recommendation. URL: <a href="http://www.w3.org/TR/WCAG20/" property="dc:references">http://www.w3.org/TR/WCAG20/</a>
</dd></dl></section></section></body></html>
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