--- a/latest/use-cases/index.html Wed Jul 01 23:54:29 2015 -0400
+++ b/latest/use-cases/index.html Thu Jul 02 23:44:43 2015 -0400
@@ -380,9 +380,32 @@
an offer, negotiation of terms, selection of <a>payment instrument</a>, and
delivery).
</dd>
- <dt><dfn>transaction</dfn></dt>
+ <dt><dfn>three corner model</dfn></dt>
<dd>
-An exchange of value (e.g., buying or selling something)
+A <a>payment scheme</a> including the following stakeholders: the <a>payer</a>
+(also known as the Card Holder), the Issuer (who has a relationship with
+the <a>payer</a>), the Acceptor and the Acquirer (who has a relationship with
+the Acceptor), but where the Issuer and the Acquirer are the same entity.
+ </dd>
+ <dt><dfn>four corner model</dfn></dt>
+ <dd>
+A <a>payment scheme</a> which includes the following stakeholders:
+the <a>payer</a> (also known as the Cardholder), the Issuer (who has a
+relationship with the Cardholder), the Acceptor and the Acquirer (which
+has a relationship with the Acceptor). The <a>payment scheme</a> defines the
+rules which apply to all parties; there are no limitations as to who may
+join the scheme, as long as the requirements of the scheme are met.
+ </dd>
+ <dt><dfn>push payment</dfn> or <dfn>payer-initiated payment</dfn></dt>
+ <dd>
+A type of <a>transaction</a> where the <a>payer</a> initiates the funds
+transfer to the <a>payee</a>. PayPal is an example of a push payment.
+ </dd>
+ <dt><dfn>pull payment</dfn> or <dfn>payee-initiated payment</dfn></dt>
+ <dd>
+A type of <a>transaction</a> where the <a>payee</a> initiates the funds
+transfer from the <a>payee</a>. A credit card payment is an example of a
+pull payment.
</dd>
</dl>
@@ -1197,7 +1220,7 @@
<dl id="uc-need-to-know" class="dl-horizontal">
<dt>Need to Know</dt>
<dd>
-PayCo, a payment processor, is required to keep a certain amount of
+PayCo, a payment processor, is required to keep a certain amount of
information on their customers
for anti-money laundering / know your customer regulatory purposes. When a
<a>payer</a> performs a <a>transaction</a> with a <a>payee</a>, PayCo
@@ -1770,7 +1793,7 @@
<dt>Motivation</dt>
<dd>
Payer-initiated payments, also known as "push payments",
-"three-corner model payments", or "peer-to-peer payments", are fundamentally
+"three corner model payments", or "peer-to-peer payments", are fundamentally
more secure as no information is given to the <a>payee</a> that would
allow them or an attacker to replay the <a>transaction</a> for a different
amount or to a different <a>payee</a> at a later date.
@@ -1814,8 +1837,9 @@
<dt>Motivation</dt>
<dd>
A <a>payee</a> may want to limit access to certain services to only those
-who they know can afford the good or service because the act of engaging the
-<a>payer</a> may be costly.
+who they know can afford the good or service because the act of
+providing an acceptable level of service to the <a>payee</a> during the
+pre-sale phase may be costly.
</dd>
</dl>
@@ -1947,9 +1971,8 @@
<dl id="uc-physical-goods" class="dl-horizontal">
<dt>Physical Goods</dt>
<dd>
-Giralt orders a bicycle for his daughter through BikeSmart online. The
-bicycle is delivered a few days later with a QRCode attached to the package
-that only Giralt can access.
+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>
@@ -2000,22 +2023,30 @@
<dt>Electronic Receipts</dt>
<dd>
Ashraf pulls up to a pump at a petrol station. He pays electronically using a
-credit card (via his phone). An electronic receipt for the <a>purchase</a>
-from the gas station is displayed on his phone.
+credit card (via his phone). A machine-readable electronic receipt for
+the <a>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>Motivation</dt>
<dd>
-Electronic receipts will make it easier to track expenses, prove that
-certain <a title="purchase">purchases</a> were made, file tax returns, and
-simplify management of unnecessary paper.
+Standardized, machine-readable electronic receipts could make it easier to
+track expenses, prove that certain <a title="purchase">purchases</a> were
+made, file tax returns, and simplify management of unnecessary paper.
</dd>
- <dt>Privacy / Security</dt>
+ <dt>Privacy</dt>
<dd>
Many merchants want to ensure that receipts are not readable by any party
between them and their customer.
</dd>
+ <dt>Security</dt>
+ <dd>
+Electronic receipts should be tamperproof such that the information can be
+verified to have come from the merchant issuing the receipt. One mechanism
+that could be employed would be the use of digital signatures over the
+contents of the electronic receipt.
+ </dd>
<dt>Accessibility</dt>
<dd>
Protecting digital receipts may have the unintended consequence of degrading
@@ -2070,7 +2101,7 @@
manager approves. The overcharged funds are returned to his account.
</li>
<li>
-Teo claims that a blender they purchased online was faulty and returns
+Teo claims that a blender he purchased online was faulty and returns
the product to the merchant. The merchant provides the customer with a refund
in the form of store credit based on the return policy.
</li>
@@ -2122,7 +2153,7 @@
<section>
<h3>Credit Card Payment (Visa, MasterCard)</h3>
<p>
-This scenario outlines a typical card purchase using the 4 corner model.
+This scenario outlines a typical card purchase using the "four corner model".
Janet is buying an handbag online from a resale shop.
</p>
@@ -2157,8 +2188,8 @@
<li>
<strong>Selection of Payment Instruments</strong>: Janet selects her Discover
-points card that highlighted by default because she had used it for a previous
-purchase with the merchant.
+rewards credit card that is highlighted by default because she had used
+it for a previous purchase with the merchant.
</li>
<li>
@@ -2297,7 +2328,7 @@
</li>
<li>
-<strong>Delivery of Product</strong>: Terrific-Tools, Inc. ships the ax to Tom.
+<strong>Delivery of Product</strong>: Terrific-Tools ships the ax to Tom.
</li>
</ul>
</section>
@@ -2349,8 +2380,8 @@
<li>
<strong>Authentication to Access Instruments</strong>: Meihui logs in the Alipay
with her account name and password. Meihui is told that she will pay for the
-airline ticket with 600RMB and she confirms it. Meihui uses her fingerprint to
-approve the payment.
+airline ticket with 3,500 RMB and she confirms it. Meihui uses her fingerprint
+to approve the payment.
</li>
</ul>
</section>