--- a/latest/use-cases/index.html Fri Mar 13 01:31:17 2015 -0400
+++ b/latest/use-cases/index.html Tue Mar 17 00:15:16 2015 -0400
@@ -83,14 +83,14 @@
</script>
<style type="text/css">
dl {
- margin-top: 0;
+ margin-top: 20px;
margin-bottom: 20px;
}
dt,
dd {
line-height: 1.42857143;
}
-dt {
+dl > dt:first-of-type {
font-weight: bold;
}
dd {
@@ -98,6 +98,7 @@
}
@media (min-width: 768px) {
.dl-horizontal dt {
+ font-weight: normal;
float: left;
width: 160px;
overflow: hidden;
@@ -520,21 +521,16 @@
</section>
<section>
- <h2>The Phases of a Payment in Detail</h2>
- <p>
- </p>
+ <h2>Assumptions</h2>
- <section>
- <h3>Assumptions</h3>
-
- <p>
+ <p>
The use cases below rely on a number of assumptions that are not
detailed in the use cases but that will be explored in more detail in
the architecture and requirements documents.
- </p>
+ </p>
- <ul>
- <li>
+ <ul>
+ <li>
<strong>Connectivity</strong>. Connectivity requirements vary according to
use case. The types of connections a device may utilize include Internet
connectivity, proxied connections through short-range radio transmissions,
@@ -542,25 +538,30 @@
(NFC) or Bluetooth Low Energy (BTLE). Some use cases assume no
connectivity (e.g., user is temporarily unable to connect to a mobile phone
network or a WiFi hotspot).
- </li>
- <li>
+ </li>
+ <li>
<strong>Registered Payment Instruments</strong>. In order for the
<tref>payer</tref> to select and utilize payment instruments, they must be
registered in some way and discoverable by a browser, native application,
or other software.
- </li>
- <li>
+ </li>
+ <li>
<strong>Security</strong>. Keys, encryption, and other security technology
must be used to secure sensitive information. It is important that sensitive
information is not transmitted to parties that do not absolutely need to
know the information in order to complete the transaction.</li>
- <li>
+ <li>
<strong>Identity</strong>. There will be a consistent, interoperable
identifier used to identify the participants and accounts in a Web Payments
transaction.
- </li>
- </ul>
- </section>
+ </li>
+ </ul>
+ </section>
+
+ <section>
+ <h2>The Phases of a Payment in Detail</h2>
+ <p>
+ </p>
<section>
<h3>Negotiation of Payment Terms</h3>
@@ -576,20 +577,18 @@
<dl class="dl-horizontal">
<dt>Website</dt>
<dd>
-Penny uses the HobbyCo website to
-select a $15 model train for purchase.
+Penny uses the HobbyCo website to select a $15 model train for purchase.
</dd>
<dt>Goals</dt>
<dd>
-Support existing patterns, enable small value payments
+Rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
-This is the most common type of offer on the Web circa 2015.
-<span class="issue">The use case seems weak.</span>
+This is the most common type of offer on the Web circa 2015 and is included
+for the sake of completeness.
</dd>
</dl>
- <hr/>
<dl class="dl-horizontal">
<dt>Point of Sale Kiosk</dt>
@@ -600,7 +599,7 @@
</dd>
<dt>Goals</dt>
<dd>
-Support existing patterns, ubiquity, fixed point-of-sale integration
+Improved user experience, and Rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -612,7 +611,6 @@
Cory shouldn't be able to be tracked unless he uses a loyalty card to pay.
</dd>
</dl>
- <hr/>
<dl class="dl-horizontal">
<dt>Mobile</dt>
@@ -622,7 +620,8 @@
</dd>
<dt>Goals</dt>
<dd>
-Mobile payments
+Improved user experience, Greater security, Innovation, Automatability, and
+Rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -635,7 +634,6 @@
out of range of a mobile network, etc.)
</dd>
</dl>
- <hr/>
<dl class="dl-horizontal">
<dt>Freemium</dt>
@@ -646,7 +644,7 @@
</dd>
<dt>Goals</dt>
<dd>
-Ease of payment
+Improved user experience, Innovation, and Transparency.
</dd>
<dt>Motivation</dt>
<dd>
@@ -660,108 +658,279 @@
<section>
<h5>Medium Priority</h5>
- <p>
-<strong>E-mail offer</strong>. A GroupBuyCo customer receives an offer by email
-to purchase the deal of the day.
-<br/>
-<span class="note">Priority: medium</span>
-<br/>
-<span class="issue">Justification: Initiating a payment from inside an
-email application that is unified with the way the same payment is initiated at
-the Point of Sale or via the Web would help ensure the ubiquity of the
-Web payment technology platform.</span>
- </p>
- <p>
-<strong>Hold offers</strong>. Renne checks into a hotel and is asked for a
-deposit for any damages to the room.
-<br/>
-<span class="note">Priority: medium</span>
-<br/>
-<span class="issue">Justification: Not all transactions are designed to be
-followed through on. Some are merely there to protect the
-<tref>payee</tref> in the event of bad judgement on behalf of the
-<tref>payer</tref>.</span>
- </p>
- <p>
-<strong>Pre-authorized offers</strong>. George pulls up to a pump
-at a petrol station. His in-vehicle application recognizes the station
-location and the pump, and asks if he wants to approve a fill up for up to
-€40.
-<br/>
-<span class="note">Priority: medium</span>
-<br/>
-<span class="issue">Justification: Some offers are not aware of the final
-price but would rather set limits on the amount of the purchase before a
-particular metered good or service is delivered. Is this a duplicate of
-'Hold offers'?</span>
- </p>
- <p>
-<strong>Machine-readable offer</strong>. BigBoxCo expresses their entire
-product catalog online as machine-readable information so that SearchCo may
-index their content more easily and direct more customer traffic to BigBoxCo's
-website.
-<br/>
-<span class="note">Priority: low</span>
-<br/>
-<span class="issue">Justification: Machine-readable offers
-will have a direct positive impact on store sales if they're indexed by search
-engines.</span>
- </p>
- <p>
-<strong>Live offers</strong>. EnergyCo lists barrels of refined oil for sale
-on their website based on an 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.
-<br/>
-<span class="note">Priority: low</span>
-<br/>
-<span class="issue">Justification: The ability to express a non-repudiable
-offer as the basis of a legally enforceable contract will reduce
-transactional friction.</span>
- </p>
- <p>
-<strong>Trail-ware offer</strong>. Amantha downloads the latest version of
-her favorite game and beats the first level. The game asks her if she'd like
-to buy the full game to play further levels.
-<br/>
-<span class="note">Priority: low</span>
-<br/>
-<span class="issue">Justification: There is a fairly large trial-ware industry
-that could benefit if there was a simple way of executing a payment w/o being
-re-directed to a website to create an account and enter all your credit
-card details.</span>
- </p>
- <p>
-<strong>Car-based offer</strong>. Jeff listens to a lot of music on the way
-to work. His car radio is configured to enable him to buy music that he
-really likes by providing a digital offer along with the music stream.
-<br/>
-<span class="note">Priority: low</span>
-<br/>
-<span class="issue">Justification: Car manufacturers and the entertainment
-industry may be interested in extending their sales channels into
-vehicles.</span>
- </p>
+ <dl class="dl-horizontal">
+ <dt>E-mail</dt>
+ <dd>
+A GroupBuyCo customer receives an offer by email to purchase the deal
+of the day.
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Improved user experience, and Automatability.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+Initiating a payment from inside an email application that is unified with
+the way the same payment is initiated at the Point of Sale or via the Web
+would help ensure the ubiquity of the Web payment technology platform.
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+It is important to recognize that initiating a payment from within an
+email application could lead to a wholly new category of phishing/fraud.
+ </dd>
+ </dl>
+
+ <dl class="dl-horizontal">
+ <dt>Hold Funds</dt>
+ <dd>
+Renne checks into a hotel and is asked for a deposit for any damages
+to the room.
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Improved user experience, Increased user choice, and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+Not all transactions are designed to be followed through on. Some are merely
+there to protect the <tref>payee</tref> in the event of bad judgement on behalf
+of the <tref>payer</tref>.
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+The <tref title="payer">payer's</tref> <tref>payment agent</tref> may know
+exactly how much money the <tref>payer</tref> has and not allow them to
+process the offer.
+ </dd>
+ </dl>
+
+ <dl class="dl-horizontal">
+ <dt>Pre-authorization</dt>
+ <dd>
+George pulls up to a pump at a petrol station. His in-vehicle application
+recognizes the station location and the pump. The pump communicates which
+fuels it has and their price in an offer. George's car asks if he wants to
+approve a fill up for up to €35.
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Improved user experience, Greater security, Innovation, Transparency,
+Automatability, and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+Some offers are not aware of the final price but would rather set limits on
+the amount of the purchase before a particular metered good or service is
+delivered. Is this a duplicate of 'Hold offers'?
+ </dd>
+ <dt>Privacy</dt>
+ <dd>
+Small fuel purchases should be able to be performed without violating an
+individual's privacy.
+ </dd>
+ <dt>Security</dt>
+ <dd>
+The in-vehicle application should require a second factor of authentication
+before allowing any purchases to be initiated by the vehicle.
+ </dd>
+ </dl>
+
+ </section>
+ <section>
+ <h5>Low Priority</h5>
+
+ <dl class="dl-horizontal">
+ <dt>Machine Readability</dt>
+ <dd>
+BigBoxCo expresses their entire product catalog online as machine-readable
+information so that SearchCo may index their content more easily and direct
+more customer traffic to BigBoxCo's website.
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice, Improved user experience, Innovation, Lower Costs,
+Transparency, Automatability, Portability, Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+Machine-readable offers will have a direct positive impact on store sales
+if they're indexed by search engines.
+ </dd>
+ </dl>
+
+ <dl class="dl-horizontal">
+ <dt>Live Market Prices</dt>
+ <dd>
+EnergyCo lists barrels of refined oil for sale on their website based on an
+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>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Innovation,
+Transparency, and
+Automatability
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+The ability to express a non-repudiable offer as the basis of a legally
+enforceable contract will reduce transactional friction.
+ </dd>
+ </dl>
+
+ <dl class="dl-horizontal">
+ <dt>Trial-ware</dt>
+ <dd>
+Amantha downloads the latest version of her favorite game and beats
+the first level. The game asks her if she'd like to buy the full game
+to play further levels.
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Improved user experience,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+There is a fairly large trial-ware industry that could benefit if there
+was a simple way of executing a payment w/o being re-directed to a website
+to create an account and enter all your credit card details.
+ </dd>
+ </dl>
+
+ <dl class="dl-horizontal">
+ <dt>In-vehicle</dt>
+ <dd>
+Jeff listens to a lot of music on the way to work. His car radio is configured
+to enable him to buy music that he really likes by providing a digital offer
+along with the music stream.
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Improved user experience,
+Innovation,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+Car manufacturers and the entertainment industry may be interested in
+extending their sales channels into vehicles.
+ </dd>
+ </dl>
+
+ </section>
</section>
- </section>
<section>
<h4>Agreement on Terms</h4>
<p>
-<strong>Privacy Protection</strong>. Tibor orders assorted chocolates from
-CandyCo. CandyCo only needs Tibor's verified shipping address
-to send him the chocolates. With Tibor's authorization, his payment software
-transmits only his shipping address to CandyCo. Tibor's privacy is protected
-from the candy store, which did not require Tibor's name, email address, or
-any other personally identifying information to complete the transaction.
-<br/>
-<span class="note">Priority: high</span>
-<br/>
-<span class="issue">Justification: Not all payments require the payer
-to disclose personal information about themselves to complete a
-transaction.</span>
</p>
+ <section>
+ <h5>High Priority</h5>
+ <dl class="dl-horizontal">
+ <dt>Privacy Protection</dt>
+ <dd>
+Tibor orders assorted chocolates from CandyCo. CandyCo only needs Tibor's
+verified shipping address to send him the chocolates. With Tibor's
+authorization, his payment software transmits only his shipping address to
+CandyCo. Tibor's privacy is protected from the candy store, which did not
+require Tibor's name, email address, or any other personally identifying
+information to complete the transaction.
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Improved user experience, and Greater security.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+Certain low-value transactions shouldn't require the
+<tref>payer</tref> to divulge personal information that is not necessary
+to complete the transaction.
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Medium Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Low Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+
+ </section>
+
</section>
<section>
@@ -769,13 +938,117 @@
<p>
</p>
- <p>
-<strong></strong>.
-<br/>
-<span class="note">Priority: low</span>
-<br/>
-<span class="issue">Justification: </span>
- </p>
+ <section>
+ <h5>High Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Medium Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Low Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+
+ </section>
</section>
@@ -791,26 +1064,342 @@
<h4>Discovery of Accepted Schemes</h4>
<p>
</p>
+ <section>
+ <h5>High Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Medium Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Low Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+
+ </section>
+
</section>
<section>
<h4>Selection of Payment Instruments</h4>
<p>
</p>
+
+ <section>
+ <h5>High Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Medium Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Low Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+
+ </section>
</section>
<section>
<h4>Authentication to Access Instruments</h4>
<p>
-<strong>Know Your Customer / Anti-Money Laundering</strong>. PayCo must
-ensure that their customers do not appear on any regulatory blacklists when
-performing transactions above a certain monetary amount.
-<br/>
-<span class="note">Priority: high</span>
-<br/>
-<span class="issue">Justification: Easing regulatory compliance when accessing
-a payment instrument will ensure a safer and faster payment schemes.</span>
</p>
+
+ <section>
+ <h5>High Priority</h5>
+ <dl class="dl-horizontal">
+ <dt>Know Your Customer</dt>
+ <dd>
+PayCo must ensure that their customers do not appear on any regulatory
+blacklists when performing transactions above a certain monetary amount.
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Regulatory acceptance, and Automatability.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+Easing regulatory compliance when accessing a payment instrument will ensure
+a safer and faster payment schemes.
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+If a company detects that a customer is on an applicable blacklist, the
+transaction must not proceed.
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Medium Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Low Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+
+ </section>
</section>
</section>
@@ -824,24 +1413,469 @@
<h4>Initiation of Processing</h4>
<p>
</p>
+
+ <section>
+ <h5>High Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Medium Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Low Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+
+ </section>
</section>
<section>
<h4>Verification of Available Funds</h4>
<p>
</p>
+ <section>
+ <h5>High Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Medium Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Low Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+
+ </section>
</section>
<section>
<h4>Authorization of Transfer</h4>
<p>
</p>
+ <section>
+ <h5>High Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Medium Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Low Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+
+ </section>
</section>
<section>
<h4>Completion of Transfer</h4>
<p>
</p>
+ <section>
+ <h5>High Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Medium Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Low Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+
+ </section>
</section>
</section>
@@ -855,11 +1889,234 @@
<h4>Delivery of Product</h4>
<p>
</p>
+ <section>
+ <h5>High Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Medium Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Low Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+
+ </section>
</section>
+
<section>
<h4>Delivery of Receipt</h4>
<p>
</p>
+ <section>
+ <h5>High Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Medium Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+ </section>
+
+ <section>
+ <h5>Low Priority</h5>
+ <dl class="dl-horizontal">
+ <dt></dt>
+ <dd>
+
+ </dd>
+ <dt>Goals</dt>
+ <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+Portability,
+Monetization,
+and Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
+
+ </dd>
+ </dl>
+
+ </section>
</section>
</section>
@@ -877,7 +2134,7 @@
</section>
<section>
- <h3>Google Wallet Payment</h3>
+ <h3>PayPal / Alipay / Google Wallet Payment</h3>
<p>
</p>
</section>