Merge branch 'master' into gh-pages
authorAdrian Hope-Bailie <adrian@hopebailie.com>
Wed, 06 May 2015 21:40:48 +0200
changeset 458 08ed96b89e05
parent 8 57f496d34e40 (current diff)
parent 354 63b7cb89138c (diff)
child 459 bc0a282c87ba
Merge branch 'master' into gh-pages
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+    <title>Web Payments Community Group Use Cases</title> 
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+<body class="h-entry" role="document" id="respecDocument"><div class="head" role="contentinfo" id="respecHeader">
+  <p>
+    <a href="http://www.w3.org/"><img width="72" height="48" src="https://www.w3.org/Icons/w3c_home" alt="W3C"></a>
+  </p>
+  <h1 class="title p-name" id="title" property="dcterms:title">Web Payments Community Group Use Cases</h1>
+  
+  <h2 property="dcterms:issued" datatype="xsd:dateTime" content="2014-11-30T01:36:10.000Z" id="final-community-group-specification-29-november-2014">Final Community Group Specification <time class="dt-published" datetime="2014-11-29">29 November 2014</time></h2>
+  <dl>
+    
+    
+    
+    
+    
+    
+    
+    <dt>Editor:</dt>
+    <dd class="p-author h-card vcard" rel="bibo:editor" inlist=""><span typeof="foaf:Person"><a class="u-url url p-name fn" rel="foaf:homepage" property="foaf:name" content="Manu Sporny" href="http://digitalbazaar.com/">Manu Sporny</a>, <a rel="foaf:workplaceHomepage" class="p-org org h-org h-card" href="http://digitalbazaar.com/">Digital Bazaar, Inc.</a></span>
+</dd>
+
+    
+  </dl>
+  
+  <p class="copyright">
+    <a href="http://www.w3.org/Consortium/Legal/ipr-notice#Copyright">Copyright</a> © 
+    2014
+    the Contributors to the Web Payments Community Group Use Cases Specification, published by the
+    <a href="http://www.w3.org/community/webpayments/">Web Payments Community Group</a> under the
+    
+      <a href="https://www.w3.org/community/about/agreements/fsa/">W3C Community Final Specification Agreement (FSA)</a>. 
+      A human-readable <a href="http://www.w3.org/community/about/agreements/fsa-deed/">summary</a> is available.
+    
+  </p>
+  <hr>
+</div> 
+  <section id="abstract" class="introductory" property="dcterms:abstract" datatype="" typeof="bibo:Chapter" resource="#ref" rel="bibo:Chapter"><h2 aria-level="1" role="heading" id="h2_abstract">Abstract</h2> 
+    <p> 
+The purpose of the Web Payments Community Group at the 
+World Wide Web Consortium (W3C) is to create systems that enable people 
+and businesses on the Web to send each 
+other money as easily as they exchange instant messages and email today. The 
+systems strive to be easy to use, currency agnostic, secure, decentralized and 
+implementable by anyone in a patent and royalty-free manner. The group is 
+focusing on transforming the way we reward each other on the Web as well as 
+how we organize financial resources to enhance our personal lives and 
+pursue endeavors that improve upon the human condition. The following use
+cases outline the basic functionality that the group is attempting to
+achieve.
+    </p> 
+  </section><section id="sotd" class="introductory" typeof="bibo:Chapter" resource="#ref" rel="bibo:Chapter"><h2 aria-level="1" role="heading" id="h2_sotd">Status of This Document</h2>
+  <p>
+    This specification was published by the <a href="http://www.w3.org/community/webpayments/">Web Payments Community Group</a>.
+    It is not a W3C Standard nor is it on the W3C Standards Track.
+    
+      Please note that under the 
+      <a href="https://www.w3.org/community/about/agreements/final/">W3C Community Final Specification Agreement (FSA)</a> 
+      other conditions apply.
+    
+    Learn more about 
+    <a href="http://www.w3.org/community/">W3C Community and Business Groups</a>.
+  </p>
+   
+    <p> 
+This document was created in the Web Payments Community Group and, in November
+2014, was handed off to the 
+<a href="http://www.w3.org/Payments/IG/">Web Payments Interest Group</a>
+for further refinement, development, and integration into the official set of 
+Web Payments IG use cases.
+    </p> 
+  
+</section><section id="toc"><h2 class="introductory" aria-level="1" role="heading" id="h2_toc">Table of Contents</h2><ul class="toc" role="directory" id="respecContents"><li class="tocline"><a href="#introduction" class="tocxref"><span class="secno">1. </span>Introduction</a></li><li class="tocline"><a href="#glossary" class="tocxref"><span class="secno">2. </span>Glossary</a></li><li class="tocline"><a href="#roles" class="tocxref"><span class="secno">3. </span>Roles</a></li><li class="tocline"><a href="#credentials" class="tocxref"><span class="secno">4. </span>Credentials</a></li><li class="tocline"><a href="#design-criteria" class="tocxref"><span class="secno">5. </span>Design Criteria</a><ul class="toc"><li class="tocline"><a href="#web-intents-protocol-handlers" class="tocxref"><span class="secno">5.1 </span>Web Intents / Protocol Handlers</a></li><li class="tocline"><a href="#data-portability" class="tocxref"><span class="secno">5.2 </span>Data Portability</a></li><li class="tocline"><a href="#legacy-support" class="tocxref"><span class="secno">5.3 </span>Legacy Support</a></li><li class="tocline"><a href="#authorization-configurability" class="tocxref"><span class="secno">5.4 </span>Authorization Configurability</a></li><li class="tocline"><a href="#smart-contracts" class="tocxref"><span class="secno">5.5 </span>Smart Contracts</a></li><li class="tocline"><a href="#physical-receipts" class="tocxref"><span class="secno">5.6 </span>Physical Receipts</a></li></ul></li><li class="tocline"><a href="#use-cases" class="tocxref"><span class="secno">6. </span>Use Cases</a><ul class="toc"><li class="tocline"><a href="#purchase-request" class="tocxref"><span class="secno">6.1 </span>Purchase Request</a></li><li class="tocline"><a href="#payment-links" class="tocxref"><span class="secno">6.2 </span>Payment Links</a></li><li class="tocline"><a href="#choice-of-payment-processor" class="tocxref"><span class="secno">6.3 </span>Choice of Payment Processor</a></li><li class="tocline"><a href="#parametric-offers" class="tocxref"><span class="secno">6.4 </span>Parametric Offers</a></li><li class="tocline"><a href="#coupons-and-loyalty-cards" class="tocxref"><span class="secno">6.5 </span>Coupons and Loyalty Cards</a></li><li class="tocline"><a href="#pseudo-anonymity" class="tocxref"><span class="secno">6.6 </span>Pseudo-anonymity</a></li><li class="tocline"><a href="#transaction-fee-optimization" class="tocxref"><span class="secno">6.7 </span>Transaction Fee Optimization</a></li><li class="tocline"><a href="#choosing-the-attributes-of-price" class="tocxref"><span class="secno">6.8 </span>Choosing the Attributes of Price</a></li><li class="tocline"><a href="#app-store-purchases" class="tocxref"><span class="secno">6.9 </span>App-Store Purchases</a></li><li class="tocline"><a href="#in-app-purchases" class="tocxref"><span class="secno">6.10 </span>In-App Purchases</a></li><li class="tocline"><a href="#payment-tokenization" class="tocxref"><span class="secno">6.11 </span>Payment Tokenization</a></li><li class="tocline"><a href="#registration-less-purchases" class="tocxref"><span class="secno">6.12 </span>Registration-less Purchases</a></li><li class="tocline"><a href="#push-based-payments" class="tocxref"><span class="secno">6.13 </span>Push-based Payments</a></li><li class="tocline"><a href="#subscriptions" class="tocxref"><span class="secno">6.14 </span>Subscriptions</a></li><li class="tocline"><a href="#non-interactive-purchases" class="tocxref"><span class="secno">6.15 </span>Non-interactive Purchases</a></li><li class="tocline"><a href="#digital-wallet-portability" class="tocxref"><span class="secno">6.16 </span>Digital Wallet Portability</a></li><li class="tocline"><a href="#real-time-regulatory-reporting" class="tocxref"><span class="secno">6.17 </span>Real-time Regulatory Reporting</a></li><li class="tocline"><a href="#digital-receipts" class="tocxref"><span class="secno">6.18 </span>Digital Receipts</a></li></ul></li><li class="tocline"><a href="#acknowledgements" class="tocxref"><span class="secno">7. </span>Acknowledgements</a></li></ul></section> 
+
+   
+
+  <section id="introduction"> 
+    <!--OddPage--><h2 aria-level="1" role="heading" id="h2_introduction"><span class="secno">1. </span>Introduction</h2> 
+    <p>
+The Web continues to transform the way humankind communicates and builds
+our world. At the heart of most of these endeavors is the exchange of
+value. Gifts, attention, and payments each play a role in the ecosystem
+that we call the economy. Until now, there has been no open and
+universal way of sending and receiving payments on the Web through your
+browser. This is why people are still compelled to reach for their
+credit card or log into a payment site when purchasing something over
+the Web.
+    </p>
+    <p>
+There are a number non-interoperable payment solutions today. This
+document outlines use cases that are supported by existing payment
+solutions today, and also outlines innovative use cases that could be
+supported in the future by a universal payment mechanism to enable next
+generation mobile payments, alternative currencies, crowd-sourced
+investing, next-generation banking, and electronic commerce.
+    </p>
+    <p>
+This specification outlines use cases that are enabled by universal
+payment for the Web. The goal of addressing the use cases as a whole is
+to create a safe, decentralized system and a set of open, patent and
+royalty-free specifications that allow people on the Web to send each
+other money as easily as they exchange instant messages and e-mail
+today. Addressing these scenarios will transform the way we reward each
+other on the Web as well as how we organize financial resources to
+enhance our personal lives and pursue endeavors that improve upon the
+human condition.
+    </p>
+  </section>
+
+  <section id="glossary">
+    <!--OddPage--><h2 aria-level="1" role="heading" id="h2_glossary"><span class="secno">2. </span>Glossary</h2>
+  
+    <p>
+There is certain terminology used throughout this document that has a very
+specific meaning. In order to state explicitly what that meaning is, the 
+following definitions are provided:
+    </p>
+
+    <dl>
+      <dt><dfn title="entity" id="dfn-entity">entity</dfn></dt>
+      <dd>
+a thing with distinct and independent existence such as a person, organization,
+or instance of a software program.
+      </dd>
+      <dt><dfn title="credential" id="dfn-credential">credential</dfn></dt>
+      <dd>
+a qualification, achievement, quality, or piece of information about an 
+<a class="tref internalDFN" title="entity" href="#dfn-entity">entity’s</a> background such as a name, government ID, 
+<a class="tref internalDFN" title="payment_processor" href="#dfn-payment_processor">payment processor</a>, home address, or university degree.
+      </dd>
+      <dt><dfn title="transaction" id="dfn-transaction">transaction</dfn></dt>
+      <dd>
+a transfer of value from one <a class="tref internalDFN" title="entity" href="#dfn-entity">entity</a> to another.
+      </dd>
+      <dt><dfn title="digital_receipt" id="dfn-digital_receipt">digital receipt</dfn></dt>
+      <dd>
+a proof of purchase that verifies that a particular <a class="tref internalDFN" title="entity" href="#dfn-entity">entity</a> was 
+involved in a <a class="tref internalDFN" title="transaction" href="#dfn-transaction">transaction</a>.
+      </dd>
+    </dl>
+  </section>
+
+  <section id="roles">
+    <!--OddPage--><h2 aria-level="1" role="heading" id="h2_roles"><span class="secno">3. </span>Roles</h2>
+  
+    <p>
+Each interaction in a Web Payments scenario involves a number of 
+<a class="tref internalDFN" title="entity" href="#dfn-entity">entities</a>. In order to make it clear who the
+actors are, the following roles are defined:
+    </p>
+
+    <dl>
+      <dt><dfn title="payer" id="dfn-payer">payer</dfn></dt>
+      <dd>
+the <a class="tref internalDFN" title="entity" href="#dfn-entity">entity</a> sending value in a <a class="tref internalDFN" title="transaction" href="#dfn-transaction">transaction</a>.
+      </dd>
+      <dt><dfn title="payee" id="dfn-payee">payee</dfn></dt>
+      <dd>
+the <a class="tref internalDFN" title="entity" href="#dfn-entity">entity</a> receiving value in a <a class="tref internalDFN" title="transaction" href="#dfn-transaction">transaction</a>.
+      </dd>
+      <dt><dfn title="buyer" id="dfn-buyer">buyer</dfn></dt>
+      <dd>
+an <a class="tref internalDFN" title="entity" href="#dfn-entity">entity</a> purchasing a product or service.
+      </dd>
+      <dt><dfn title="merchant" id="dfn-merchant">merchant</dfn></dt>
+      <dd>
+an <a class="tref internalDFN" title="entity" href="#dfn-entity">entity</a> that is offering a product or service for sale.
+      </dd>
+      <dt><dfn title="payment_processor" id="dfn-payment_processor">payment processor</dfn></dt>
+      <dd>
+an <a class="tref internalDFN" title="entity" href="#dfn-entity">entity</a> that is responsible for transferring value between 
+<a class="tref internalDFN" title="entity" href="#dfn-entity">entities</a> and 
+generating verifiable <a class="tref internalDFN" title="digital_receipt" href="#dfn-digital_receipt">digital receipts</a>.
+      </dd>
+    </dl>
+  </section>
+
+  <section id="credentials">
+    <!--OddPage--><h2 aria-level="1" role="heading" id="h2_credentials"><span class="secno">4. </span>Credentials</h2>
+  
+    <p>
+In order to interact, an <a class="tref internalDFN" title="entity" href="#dfn-entity">entity</a> may require one or more pieces 
+of information from another entity. Each of these pieces of information, which 
+may be digitally signed by a 3rd party, are called a <a class="tref internalDFN" title="credential" href="#dfn-credential">credential</a>. 
+The following credentials are commonly used throughout this document:
+    </p>
+
+    <dl>
+      <dt><dfn title="identity_credential" id="dfn-identity_credential">identity credential</dfn></dt>
+      <dd>
+An identity <a class="tref internalDFN" title="credential" href="#dfn-credential">credential</a> contains a pseudo-anonymous URL that can
+be used to uniquely identify an <a class="tref internalDFN" title="entity" href="#dfn-entity">entity</a>. The URI typically doesn't
+contain any personally identifiable information.
+      </dd>
+
+      <dt><dfn title="email_credential" id="dfn-email_credential">email credential</dfn></dt>
+      <dd>
+An email <a class="tref internalDFN" title="credential" href="#dfn-credential">credential</a> contains a verified email address and proves 
+that the <a class="tref internalDFN" title="entity" href="#dfn-entity">entity</a> associated with the credential has verified their
+email address with a 3rd party.
+      </dd>
+      <dt><dfn title="payment_processor_credential" id="dfn-payment_processor_credential">payment processor credential</dfn></dt>
+      <dd>
+A <a class="tref internalDFN" title="payment_processor" href="#dfn-payment_processor">payment processor</a> <a class="tref internalDFN" title="credential" href="#dfn-credential">credential</a> contains a verified 
+payment processor URL that was assigned to the <a class="tref internalDFN" title="entity" href="#dfn-entity">entity</a> associated 
+with the credential by their payment processor.
+      </dd>
+      <dt><dfn title="shipping_address_credential" id="dfn-shipping_address_credential">shipping address credential</dfn></dt>
+      <dd>
+A shipping address <a class="tref internalDFN" title="credential" href="#dfn-credential">credential</a> contains a verified address where
+shipping deliveries may be made that is also associated with the
+<a class="tref internalDFN" title="entity" href="#dfn-entity">entity</a> associated with the credential. Typically, organizations
+that are capable of associating a shipping address with an <a class="tref internalDFN" title="entity" href="#dfn-entity">entity</a>,
+such as the United States Postal Service, provide these credentials.
+      </dd>
+    </dl>
+  </section>
+
+  <section id="design-criteria">
+    <!--OddPage--><h2 aria-level="1" role="heading" id="h2_design-criteria"><span class="secno">5. </span>Design Criteria</h2>
+  
+    <p>
+When exploring systems design, there are concepts that clearly fit into use 
+cases and concepts apply to all use cases. We are calling the latter class of
+concepts <em>design criteria</em>, which are goals that should be kept in mind
+while designing the overall web payments system.
+    </p>
+
+    <section id="web-intents-protocol-handlers"> 
+      <h3 aria-level="2" role="heading" id="h3_web-intents-protocol-handlers"><span class="secno">5.1 </span>Web Intents / Protocol Handlers</h3> 
+   
+      <p>
+Consider using a Web Intents or Protocol Handler-like mechanism
+to provide an abstraction layer that could be used to solve both payment 
+initiation and other problems on the Web.
+      </p>
+
+      <section> 
+        <h4 id="examples" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+Trisha signs up with a new payment processor service, and during the
+registration, the service asks if it may be used to process the 
+"buy:" intent/protocol.
+          </li>
+          <li>
+Ravi finishes placing all the items to buy into his shopping cart, when
+he clicks the "Pay" button, the "buy:" intent/protocol handler is initiated, 
+resulting in a UI flow that requests that he picks which of his payment
+processors he'd like to use for the purchase.
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details" aria-level="3" role="heading">Details</h4> 
+        <p>
+Web Intents or Protocol Handlers could be used as a simple way of solving
+the payment selection NASCAR problem. Instead of showing a large array of
+payment providers that are supported by the merchant, a dialog can be shown
+instead that only shows the payment mechanisms that are supported by both
+the <a class="tref internalDFN" title="payer" href="#dfn-payer">payer</a> and the <a class="tref internalDFN" title="payee" href="#dfn-payee">payee</a>. A payment provider may
+register as one potential handler for a particular intent/protocol scheme,
+and when the scheme is invoked, the <a class="tref internalDFN" title="payer" href="#dfn-payer">payer</a> is asked which
+handler they'd like to use to handle the request.
+        </p>
+      </section>
+    </section>
+
+    <section id="data-portability"> 
+      <h3 aria-level="2" role="heading" id="h3_data-portability"><span class="secno">5.2 </span>Data Portability</h3> 
+   
+      <p>
+Require data portability for financial data and credentials that is required 
+for core transaction functionality.
+      </p>
+
+      <section> 
+        <h4 id="examples-1" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+Ginger would like to move her banking provider from MehBank to GoodBank. 
+She goes to GoodBank and initiates a "Transfer My Account" process. GoodBank
+connects to MehBank, with the authorization of Ginger, and pulls her entire
+account history, digital receipt data, and balance to MehBank.
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-1" aria-level="3" role="heading">Details</h4> 
+        <p>
+It is often difficult to easily switch financial providers. This will become
+more difficult if the use of digital receipts becomes pervasive. If one needs
+a digital receipt to prove that a purchase has been made, then the curator
+of those digital receipts, like a bank, could use them as a customer 
+lock-in mechanism. Therefore, it is important that any information that is
+expected to be used in transactions has a provable data portability
+story.
+        </p>
+      </section>
+    </section>
+
+    <section id="legacy-support"> 
+      <h3 aria-level="2" role="heading" id="h3_legacy-support"><span class="secno">5.3 </span>Legacy Support</h3> 
+   
+      <p>
+Ensure the Web payments solution can provide an abstraction layer that 
+integrates with existing payment methods (eg: VISA, Mastercard, ACH, PayPal, 
+debit card, Premium SMS, etc.)
+      </p>
+
+      <section> 
+        <h4 id="examples-2" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+Harold buys a movie ticket to his local movie theatre via the Web. He is
+given a choice of paying with a credit card, PayPal, or Bitcoin. The
+digital receipt delivered to the merchant will be in one machine-readable
+format to ensure that the merchant can process each type of digital receipt
+in a generic fashion.
+          </li>
+          <li>
+Reece gets a weekly share of vegetables through a community-supported
+agriculture initiative. He may choose to pay using fiat money, or 
+via work credits based on the number of hours he's worked on the farm.
+He pays in work credits, which is a hyper-local currency issued by
+the community-supported agriculture program. The digital receipt format
+only differs in the type of currency that was used to complete the sale.
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-2" aria-level="3" role="heading">Details</h4> 
+        <p>
+In order for the Web Payments initiative to be successful, it must not
+discriminate based upon payment instrument or currency. As many types of
+payment instrument as possible should be supported.
+        </p>
+      </section>
+    </section>
+
+    <section id="authorization-configurability"> 
+      <h3 aria-level="2" role="heading" id="h3_authorization-configurability"><span class="secno">5.4 </span>Authorization Configurability</h3> 
+   
+      <p>
+Allow payment processors to define the required level of authorization for 
+particular transactions based on their preferences and local regulations. 
+For example: No auth for small amounts, PIN auth for medium amounts, 
+Secure Element for large amounts.
+      </p>
+
+      <section> 
+        <h4 id="examples-3" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+Sven buys a single play for an online video game. His payment processor
+allows the purchase with no authorization due to the low value of the
+transaction.
+          </li>
+          <li>
+Joyce initiates a monthly mortgage payment. She is asked to verify the
+purchase using a 2-factor authentication method that she had previously
+registered with her payment processor.
+          </li>
+          <li>
+Nimo buys a new car online. He is asked to authorize the purchase by
+digitally signing a purchase contract and then using his two-factor
+authentication device to verify the transfer of funds.
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-3" aria-level="3" role="heading">Details</h4> 
+        <p>
+There is an important balance between convenience and security that
+is typically context-sensitive. It not only depends on the 
+situation and the type of transaction, but the payment processor and
+the payee's preferences as well. It is important that the type of
+authentication used for transaction is left to the entity's involved
+in the transaction, and is not hard-coded into the payment protocol.
+        </p>
+      </section>
+    </section>
+
+    <section id="smart-contracts"> 
+      <h3 aria-level="2" role="heading" id="h3_smart-contracts"><span class="secno">5.5 </span>Smart Contracts</h3> 
+   
+      <p>
+Ensure the technology can be extended or does not prohibit the implementation 
+of simple digital contracts and smart contracts.
+      </p>
+
+      <section> 
+        <h4 id="examples-4" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+Quoma owns a small-scale bakery that sells bread to local stores. She
+creates a smart contract for pricing goods with her local stores ensuring
+that she can make a 20% profit over the input of goods into her bread.
+She ties the cost of wheat, energy, and water to the smart contract so that
+the price per loaf of bread tracks the market price for the inputs.
+          </li>
+          <li>
+Harim buys a piece of land on a 15 year mortgage. The smart contract that
+he executes with the mortgage lender will execute a withdrawal from his
+account to the lender's account on a monthly basis.
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-4" aria-level="3" role="heading">Details</h4> 
+        <p>
+Smart contracts, which are typically referenced when discussing 
+Distributed Autonomous Organizations, provide the capability of 
+algorithmically defining the distribution of economic value. While it is
+too early to define a smart contract platform for the Web Payments work,
+the creation of such a platform or set of protocols and formats in the
+future should not be prevented.
+        </p>
+      </section>
+    </section>
+
+    <section id="physical-receipts"> 
+      <h3 aria-level="2" role="heading" id="h3_physical-receipts"><span class="secno">5.6 </span>Physical Receipts</h3> 
+   
+      <p>
+Don't prevent a physical version of a digital receipt that can be verified, 
+perhaps by printing out a QR Code on a slip of paper with some additional 
+information.
+      </p>
+
+      <section> 
+        <h4 id="examples-5" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+Bertrand purchases a bus ticket at a booth using his mobile phone. The digital
+receipt for the ticket is printed out on a piece of paper, which he then
+takes and presents to a gate with a barcode scanner that scans the ticket
+and gives him access to the public transportation building.
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-5" aria-level="3" role="heading">Details</h4> 
+        <p>
+In designing the protocols and formats for the Web Payments work, it is
+important that offline-only is taken into account. One manifestation of this
+design requirement is the paper receipt or magnetic-stripe ticket.
+        </p>
+      </section>
+    </section>
+
+  </section>
+
+  <section id="use-cases">
+    <!--OddPage--><h2 aria-level="1" role="heading" id="h2_use-cases"><span class="secno">6. </span>Use Cases</h2>
+    <p>
+The following use cases outline scenarios that are targeted to be supported
+in the set of Web Payments 1.0 specifications.
+    </p>
+
+    <section id="purchase-request"> 
+      <h3 aria-level="2" role="heading" id="h3_purchase-request"><span class="secno">6.1 </span>Purchase Request</h3> 
+   
+      <p>
+A buyer selects an item to purchase on merchant's site, merchant generates a 
+payment request that will be processed by the buyer's payment processor.
+      </p>
+
+      <section> 
+        <h4 id="examples-6" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+Penny logs into a website, providing her payment processor credential in
+the process. Penny selects a model train set to buy in an online shop. The store generates a payment request and hands it off to the browser which
+then forwards the her preferred payment processor.
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-6" aria-level="3" role="heading">Details</h4> 
+        <p>
+A payment request contains all of the details necessary to perform a
+purchase. The payment request should be a self-contained document that
+can be used interchangeably with any payment processor that supports
+the payment instrument specified in the payment request.
+        </p>
+        <section> 
+          <h5 id="roles-1" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+<a class="tref internalDFN" title="buyer" href="#dfn-buyer">buyer</a>
+            </li>
+            <li>
+<a class="tref internalDFN" title="merchant" href="#dfn-merchant">merchant</a>
+            </li>
+            <li>
+<a class="tref internalDFN" title="payment_processor" href="#dfn-payment_processor">payment processor</a>
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-1" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+<a class="tref internalDFN" title="payment_processor_credential" href="#dfn-payment_processor_credential">payment processor credential</a>
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+A mechanism that enables the buyer's payment processor to be discovered 
+<em class="rfc2119" title="MUST">MUST</em> be standardized.
+            </li>
+            <li>
+A purchase request format <em class="rfc2119" title="MUST">MUST</em> be standardized.
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+    <section id="payment-links"> 
+      <h3 aria-level="2" role="heading" id="h3_payment-links"><span class="secno">6.2 </span>Payment Links</h3> 
+   
+      <p>
+A developer can create a link with a specific payment URI scheme or rel-type 
+such that when a buyer clicks on it, the buyer's payment processor starts 
+the payment process.
+      </p>
+
+      <section> 
+        <h4 id="examples-7" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+Gus is a web developer and creates a donation link on his website. He
+inserts a <pre>&lt;a href="payto:bitcoin:3782436823487?message=Donation"&gt;Donate&lt;/a&gt;</pre> link in the web page
+markup such that when someone clicks the "Donate" link, a payment 
+will be initiated using the <a class="tref internalDFN" title="payer" href="#dfn-payer">payer's</a>
+payment processor.
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-7" aria-level="3" role="heading">Details</h4>
+        <p>
+A new payment protocol would enable a new type of hyperlink on the
+Web that would be specialized for payments.
+        </p>
+
+        <section> 
+          <h5 id="roles-2" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-2" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements-1" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+    <section id="choice-of-payment-processor"> 
+      <h3 aria-level="2" role="heading" id="h3_choice-of-payment-processor"><span class="secno">6.3 </span>Choice of Payment Processor</h3> 
+   
+      <p>
+When a payee intends to make a payment, they are given a choice to pick among 
+the intersection of the payment processors they're registered with and the 
+payment processors that are advertised by the merchant/payee.
+      </p>
+
+      <section> 
+        <h4 id="examples-8" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-8" aria-level="3" role="heading">Details</h4>
+        <p>
+        </p>
+
+        <section> 
+          <h5 id="roles-3" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-3" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements-2" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+    <section id="parametric-offers"> 
+      <h3 aria-level="2" role="heading" id="h3_parametric-offers"><span class="secno">6.4 </span>Parametric Offers</h3> 
+   
+      <p>
+A merchant advertises different details, such as price, for an offer of sale 
+based on potential payment processor choice.
+      </p>
+
+      <section> 
+        <h4 id="examples-9" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-9" aria-level="3" role="heading">Details</h4>
+        <p>
+        </p>
+
+        <section> 
+          <h5 id="roles-4" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-4" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements-3" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+    <section id="coupons-and-loyalty-cards"> 
+      <h3 aria-level="2" role="heading" id="h3_coupons-and-loyalty-cards"><span class="secno">6.5 </span>Coupons and Loyalty Cards</h3> 
+   
+      <p>
+A buyer can associate a membership card, coupon, or similar token with a 
+transaction to receive a discount or other benefits.
+      </p>
+
+      <section> 
+        <h4 id="examples-10" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-10" aria-level="3" role="heading">Details</h4>
+        <p>
+        </p>
+
+        <section> 
+          <h5 id="roles-5" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-5" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements-4" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+    <section id="pseudo-anonymity"> 
+      <h3 aria-level="2" role="heading" id="h3_pseudo-anonymity"><span class="secno">6.6 </span>Pseudo-anonymity</h3> 
+   
+      <p>
+Leveraging variable degrees of pseudo-anonymity per requirements of the payment transaction.
+      </p>
+
+      <section> 
+        <h4 id="examples-11" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-11" aria-level="3" role="heading">Details</h4>
+        <p>
+        </p>
+
+        <section> 
+          <h5 id="roles-6" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-6" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements-5" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+    <section id="transaction-fee-optimization"> 
+      <h3 aria-level="2" role="heading" id="h3_transaction-fee-optimization"><span class="secno">6.7 </span>Transaction Fee Optimization</h3> 
+   
+      <p>
+A buyer discovers an offer for sale by a merchant under terms that the 
+merchant is comfortable with. The offer includes a list of payment processors 
+that the merchant is capable of receiving payment through. The buyer's 
+software contacts a subset of those payment processors that they are capable 
+of sending payment through to get finalized transaction details (such as 
+price or speed) before executing the most desirable transaction.
+      </p>
+
+      <section> 
+        <h4 id="examples-12" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-12" aria-level="3" role="heading">Details</h4>
+        <p>
+        </p>
+
+        <section> 
+          <h5 id="roles-7" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-7" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements-6" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+    <section id="choosing-the-attributes-of-price"> 
+      <h3 aria-level="2" role="heading" id="h3_choosing-the-attributes-of-price"><span class="secno">6.8 </span>Choosing the Attributes of Price</h3> 
+   
+      <p>
+Payee and payers negotiate secure price in an open market. They are free to 
+choose all three essential attributes of the numeric quantity expressing a 
+price (e.g. 10.99), namely: a unit-of-account (e.g. $ £ € ¥ etc.); a 
+medium-of-exchange (e.g. debit card, credit card, web payment etc.); and, a 
+value-in-exchange benchmark (e.g. WM Reuters Spot Exchange; Purchasing Power 
+Parity; Commodity Index; etc.)
+      </p>
+
+      <section> 
+        <h4 id="examples-13" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-13" aria-level="3" role="heading">Details</h4>
+        <p>
+        </p>
+
+        <section> 
+          <h5 id="roles-8" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-8" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements-7" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+    <section id="app-store-purchases"> 
+      <h3 aria-level="2" role="heading" id="h3_app-store-purchases"><span class="secno">6.9 </span>App-Store Purchases</h3> 
+   
+      <p>
+A buyer uses a native non-browser application on their mobile phone or tablet, 
+or a web browser to make a purchase at an app store.
+      </p>
+
+      <section> 
+        <h4 id="examples-14" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-14" aria-level="3" role="heading">Details</h4>
+        <p>
+        </p>
+
+        <section> 
+          <h5 id="roles-9" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-9" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements-8" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+    <section id="in-app-purchases"> 
+      <h3 aria-level="2" role="heading" id="h3_in-app-purchases"><span class="secno">6.10 </span>In-App Purchases</h3> 
+   
+      <p>
+A buyer makes a purchase from within an application for premium content, virtual goods, or subscriptions.
+      </p>
+
+      <section> 
+        <h4 id="examples-15" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-15" aria-level="3" role="heading">Details</h4>
+        <p>
+        </p>
+
+        <section> 
+          <h5 id="roles-10" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-10" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements-9" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+    <section id="payment-tokenization"> 
+      <h3 aria-level="2" role="heading" id="h3_payment-tokenization"><span class="secno">6.11 </span>Payment Tokenization</h3> 
+   
+      <p>
+Temporary payment tokens for merchants. If token is stolen, thief does not 
+get access to financial account. Tokenization mechanism that protects the buyer 
+and merchant from theft of credentials.
+      </p>
+
+      <section> 
+        <h4 id="examples-16" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-16" aria-level="3" role="heading">Details</h4>
+        <p>
+        </p>
+
+        <section> 
+          <h5 id="roles-11" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-11" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements-10" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+    <section id="registration-less-purchases"> 
+      <h3 aria-level="2" role="heading" id="h3_registration-less-purchases"><span class="secno">6.12 </span>Registration-less Purchases</h3> 
+   
+      <p>
+The buyer goes to a merchant website and clicks a buy button to complete a 
+purchase without having to go through any registration process. During the 
+purchase the buyer chooses which information to share with the merchant which 
+the merchant then uses to uniquely identify the buyer if they perform any 
+repeat purchases.
+      </p>
+
+      <section> 
+        <h4 id="examples-17" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-17" aria-level="3" role="heading">Details</h4>
+        <p>
+        </p>
+
+        <section> 
+          <h5 id="roles-12" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-12" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements-11" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+    <section id="push-based-payments"> 
+      <h3 aria-level="2" role="heading" id="h3_push-based-payments"><span class="secno">6.13 </span>Push-based Payments</h3> 
+   
+      <p>
+The buyer goes to a merchant website and clicks buy to initiate a purchase. 
+The buyer is redirected to their payment processor's website which presents 
+them with a payment UI. The buyer completes the purchase (optionally without 
+providing any information other than their consent). The buyer is sent back 
+to the merchant's website with a digital receipt confirming the purchase.
+      </p>
+
+      <section> 
+        <h4 id="examples-18" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-18" aria-level="3" role="heading">Details</h4>
+        <p>
+        </p>
+
+        <section> 
+          <h5 id="roles-13" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-13" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements-12" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+    <section id="subscriptions"> 
+      <h3 aria-level="2" role="heading" id="h3_subscriptions"><span class="secno">6.14 </span>Subscriptions</h3> 
+   
+      <p>
+A buyer visits a merchant's website and initiates a payment. Their payment 
+processor presents them with an option to subscribe to a merchant's product or 
+service, which will result in periodic payments at a known value to the 
+merchant.
+      </p>
+
+      <section> 
+        <h4 id="examples-19" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-19" aria-level="3" role="heading">Details</h4>
+        <p>
+        </p>
+
+        <section> 
+          <h5 id="roles-14" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-14" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements-13" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+    <section id="non-interactive-purchases"> 
+      <h3 aria-level="2" role="heading" id="h3_non-interactive-purchases"><span class="secno">6.15 </span>Non-interactive Purchases</h3> 
+   
+      <p>
+A buyer visits a merchant's website and initiates a payment. Their payment 
+processor presents them with an option to assign a pay-as-you-go token with a 
+specific spending limit (and/or other limitations) for future purchases with 
+the merchant. An option is also presented to require the display of a receipt 
+when a purchase occurs (and/or other interactions), or to perform the purchase 
+in the background with no interactive purchase process required.
+      </p>
+
+      <section> 
+        <h4 id="examples-20" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-20" aria-level="3" role="heading">Details</h4>
+        <p>
+        </p>
+
+        <section> 
+          <h5 id="roles-15" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-15" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements-14" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+    <section id="digital-wallet-portability"> 
+      <h3 aria-level="2" role="heading" id="h3_digital-wallet-portability"><span class="secno">6.16 </span>Digital Wallet Portability</h3> 
+   
+      <p>
+An entity (payer, payee, merchant, buyer) stores wallet, credentials, and 
+digital receipts with a particular identity/wallet/data storage provider. The 
+entity decides to switch to a different identity/wallet/data storage provider 
+and all wallet, receipt, and credential data comes with them.
+      </p>
+
+      <section> 
+        <h4 id="examples-21" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-21" aria-level="3" role="heading">Details</h4>
+        <p>
+        </p>
+
+        <section> 
+          <h5 id="roles-16" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-16" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements-15" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+    <section id="real-time-regulatory-reporting"> 
+      <h3 aria-level="2" role="heading" id="h3_real-time-regulatory-reporting"><span class="secno">6.17 </span>Real-time Regulatory Reporting</h3> 
+   
+      <p>
+A payment processor tracks mandatory financial regulatory events and submits 
+machine-readable information to a regulator-provided URL to automatically meet 
+regulatory compliance.
+      </p>
+
+      <section> 
+        <h4 id="examples-22" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-22" aria-level="3" role="heading">Details</h4>
+        <p>
+        </p>
+
+        <section> 
+          <h5 id="roles-17" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-17" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements-16" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+    <section id="digital-receipts"> 
+      <h3 aria-level="2" role="heading" id="h3_digital-receipts"><span class="secno">6.18 </span>Digital Receipts</h3> 
+   
+      <p>
+A merchant cryptographically-signs a standardized offer for a good or service. 
+A buyer purchases the good or service from the merchant resulting in a 
+standardized, cryptographically signed, machine-readable, digital receipt that 
+is issued to the buyer. Entities involved in the transaction (merchant, buyer, 
+payee) may then use the receipt as a proof-of-purchase for the good or service.
+      </p>
+
+      <section> 
+        <h4 id="examples-23" aria-level="3" role="heading">Examples</h4> 
+        <ul>
+          <li>
+
+          </li>
+        </ul>
+      </section>
+
+      <section> 
+        <h4 id="details-23" aria-level="3" role="heading">Details</h4>
+        <p>
+        </p>
+
+        <section> 
+          <h5 id="roles-18" aria-level="4" role="heading">Roles</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="credentials-18" aria-level="4" role="heading">Credentials</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+
+        <section> 
+          <h5 id="requirements-17" aria-level="4" role="heading">Requirements</h5> 
+     
+          <ul> 
+            <li>
+
+            </li>
+          </ul>
+        </section>
+      </section>
+    </section>
+
+  </section>
+
+  <section id="acknowledgements"> 
+    <!--OddPage--><h2 aria-level="1" role="heading" id="h2_acknowledgements"><span class="secno">7. </span>Acknowledgements</h2>
+ 
+    <p>
+The editor is thankful to the following contributions from the 
+Web Payments Workshop and the Web Payments Community Group, specifically 
+(in alphabetical order): 
+    </p>
+    <p>
+Mahmoud Abdelkader, Jonas Öberg, Ben Adida, Mike Amundsen, Erik Anderson, Gavin Andresen, Dennis A. Smith, Daniel Austin, Margaux Avedisian, Craig B. Agricola, Arthur Barstow, Rene Bartsch, Michiel B. de Jong, Tim Becker, Robin Berjon, Tim Berners-Lee, Norbert Bollow, Carsten Bormann, John Bottoms, Andrew Bovingdon, Stephane Boyera, Pelle Braendgaard, Erich Bremer, Arthur Britto, Martin Brock, Daniel Buchner, Marcos Caceres, Dan Callahan, Stephen Cannon, Melvin Carvalho, Joe Cascio Jr., Ryan Charleston, Daniel Chcouri, Jeffrey Chimene, 조경호, Jeffrey Cliff, Stephane Corlosquet, Ralph Cowling, Jon Cox, Cyrus Daboo, Nicolas Dagostino, Josef Davies-Coates, Renaud Delbru, Jose De Loera, Joel Dietz, Karl Dubost, Andrew Durham, Scott Elcomb, Charles Evans, Roman Evstifeev, David Ezell, Stephen Farrell, Pascal Finette, Daniel Friesen, Ryan Fugger, Shawn Gao, Bruce Garrison, Jason Grant, Urs Gubser, Harry Halpin, Timo Hanke, Daniel Harris, Mike Hearn, Brian Hegarty, Martin Hepp, Bjoern Hoehrmann, Tim Holborn, Timothy Holborn, Adrian Hope-Bailie, Jake Howerton, Deqing Huang, Renato Iannella, Kingsley Idehen, David I. Lehn, Ian Jacobs, Mark Janssen, Phil J. Laszkowicz, Mike Johnson, Michael J. Williams, Gregg Kellogg, Frode Kileng, Steve Klabnik, Greg Knaddison, Ya Knygar, Eric Korb, Kostas Koukopoulos, Andreas Kuckartz, Dave Lampton, Juan Lang, Stuart Langridge, Bruce Lawson, Guillaume Lebleu, Georg Leciejewski, Mark Leck, Mountie Lee, Randall Leeds, Adam Levine, Patrick Logan, Dave Longley, Alex MacCaw, Andrew Mackie, Jeremy Malcolm, Niels Möller, James Manger, Jose "Manny" De Loera, Eric Martindale, Sam Mbale, Charles McCathie Nevile, Kumar McMillan, Russell McOrmond, Coralie Mercier, Andrew Miller, Clark Minor, Matt Morgan, Glen Newton, Russel Nickson, David Nicol, Yoav Nir, Madhu Nott, Mark Nottingham, Yutaka Oiwa, Emeka Okoye, Linus Olsson, Andrei Oprea, Nate Otto, Elf Pavlik, Iris Peetz, Laurent Perez, Neil Peters, Joseph Potvin, Michael Powers, Dave Raggett, Julian Reschke, Bailey Reutzel, Pierre Rochard, Natasha Rooney, Jonathan Rosenne, Steven Rowat, Anders Rundgren, Sean Safahi, Andrei Sambra, Jeff Sayre, Doug Schepers, David Schwartz, Evan Schwartz, Igor Schwarzmann, Alex Sexton, Brent Shambaugh, Herbert Snorrason, Stan Stalnaker, Walter Stanish, Henry Story, John Sullivan, Amir Taaki, Keisha Taylor, Michael Thomas, Martin Thomson, Emanuil Tolev, Dziugas Tornau, Hannes Tschofenig, Ricardo Varela, Jonathan Waller, Dr. Warren L. Coats Jr., Michael Williams, Nico Williams, Robin Wilton, Pindar Wong, David Wood, Apostolis Xekoukoulotakis, Dan York, and Jorge Zaccaro.
+    </p>
+
+  </section>
+
+   
+
+
+</body></html>
\ No newline at end of file
--- a/README.md	Mon Dec 15 01:24:15 2014 -0500
+++ b/README.md	Wed May 06 21:40:48 2015 +0200
@@ -16,9 +16,9 @@
 
 The purpose of the directories in this repository are explained below:
 
-* latest - this is where the bleeding edge (aka latest) Editor's drafts are 
-           kept.
-* ED - The latest time-stamped Editor's drafts are placed here.
-* WD - The latest time-stamped Working Drafts are placed here.
+* [latest](latest) - this is where the bleeding edge (aka latest) 
+                     Editor's drafts are kept.
+* [ED](ED) - The latest time-stamped Editor's drafts are placed here.
+* [WD](WD) - The latest time-stamped Working Drafts are placed here.
 
 
--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
+++ b/WD/use-cases/2015-04-16/Overview.html	Wed May 06 21:40:48 2015 +0200
@@ -0,0 +1,2839 @@
+<!DOCTYPE html>
+<html lang="en" dir="ltr" typeof="bibo:Document " prefix="bibo: http://purl.org/ontology/bibo/ w3p: http://www.w3.org/2001/02pd/rec54#">
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+    <title>Web Payments Use Cases 1.0</title>
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+  <style>/*****************************************************************
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+ * Robin Berjon - http://berjon.com/
+ *****************************************************************/
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+<body class="h-entry" role="document" id="respecDocument"><div class="head" role="contentinfo" id="respecHeader">
+  <p>
+      
+        
+            <a href="http://www.w3.org/"><img width="72" height="48" src="https://www.w3.org/Icons/w3c_home" alt="W3C"></a>
+        
+      
+  </p>
+  <h1 class="title p-name" id="title" property="dcterms:title">Web Payments Use Cases 1.0</h1>
+  
+  <h2 id="w3c-first-public-working-draft-16-april-2015"><abbr title="World Wide Web Consortium">W3C</abbr> First Public Working Draft <time property="dcterms:issued" class="dt-published" datetime="2015-04-16">16 April 2015</time></h2>
+  <dl>
+    
+      <dt>This version:</dt>
+      <dd><a class="u-url" 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>
+      <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>
+    
+    
+      <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>
+    
+    
+    
+    
+    
+    
+    
+    <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>
+</dd>
+<dd class="p-author h-card vcard" resource="_:editor1"><span property="rdf:first" 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>
+<span property="rdf:rest" resource="rdf:nil"></span>
+</dd>
+
+    
+      <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>
+<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"><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>
+
+    
+    
+      
+        
+          <dt>Version control:</dt>
+          
+             
+                
+                  <dd>
+                    <a href="https://github.com/w3c/webpayments-ig">
+                      Github Repository
+                    </a>
+                  </dd>
+                
+             
+                
+                  <dd>
+                    <a href="http://www.w3.org/Payments/IG/track/products/2">
+                      Issues
+                    </a>
+                  </dd>
+                
+             
+          
+        
+      
+    
+  </dl>
+  
+  
+  
+  
+    
+      <p class="copyright">
+        <a href="http://www.w3.org/Consortium/Legal/ipr-notice#Copyright">Copyright</a> ©
+        2015
+        
+        <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>). 
+        
+        <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
+        
+          <a href="http://www.w3.org/Consortium/Legal/copyright-documents">document use</a>
+        
+        rules apply.
+      </p>
+    
+  
+  <hr>
+</div>
+
+  <section id="abstract" class="introductory" property="dc:abstract"><h2 id="h-abstract" resource="#h-abstract"><span property="xhv:role" resource="xhv:heading">Abstract</span></h2>
+    <p>
+This document is a prioritized list of Web payments use cases.
+Guided by these use cases, the <abbr title="World Wide Web Consortium">W3C</abbr> Web Payments Interest Group
+plans to derive architecture and associated technology
+requirements to integrate payments into the Open Web
+Platform. That work will form the basis of conversations with <abbr title="World Wide Web Consortium">W3C</abbr>
+groups and the broader payments industry about what standards
+(from <abbr title="World Wide Web Consortium">W3C</abbr> or other organizations) will be necessary to fulfill the
+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>
+  
+    
+      
+        <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>
+        
+        
+    <p>
+This document is a work in progress and is being released early and often
+using an agile process; it is incomplete.
+    </p>
+    <p>
+The Web Payments IG has only had the opportunity to review a handful of the
+40+ use cases, 120+ requirements, hundreds of pages of
+payments research submitted to the group via various other standards group
+output such as ISO20022, research documents from X9 and the US Federal Reserve,
+documents from the Web Payments Community Group, and input from the
+general public. Our desire is to align with the larger payments industry
+when it's possible to do so. Expect this document to be rapidly iterated upon
+with that desire in mind.
+    </p>
+  
+        
+        <p>
+          This document was published by the <a href="http://www.w3.org/blog/wpig/">Web Payments Interest Group</a> as a First Public Working Draft.
+          
+            This document is intended to become a <abbr title="World Wide Web Consortium">W3C</abbr> Recommendation.
+          
+          
+            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>).
+          
+          
+          
+          
+          
+            
+            All comments are welcome.
+            
+          
+        </p>
+        
+        
+        
+          <p>
+            Publication as a First Public 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>
+        
+        
+        
+        <p>
+          
+            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>.
+          
+          
+          
+            
+              <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> 
+            
+            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
+            <a href="http://www.w3.org/Consortium/Patent-Policy-20040205/#def-essential">Essential
+            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>.
+          
+          
+        </p>
+        
+          <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>
+        
+        
+      
+    
+  
+</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><ul class="toc"></ul></li><li class="tocline"><a href="#agreement-on-terms" class="tocxref"><span class="secno">6.1.2 </span>Agreement on Terms</a><ul class="toc"></ul></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><ul class="toc"></ul></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><ul class="toc"></ul></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><ul class="toc"></ul></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-cheque-payment" class="tocxref"><span class="secno">7.5 </span>Electronic Cheque Payment</a></li><li class="tocline"><a href="#credit-transfer-direct-debit" class="tocxref"><span class="secno">7.6 </span>Credit Transfer / Direct Debit</a></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 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>
+
+    <p>
+ECommerce is thriving and continues to expand. However,
+fragmentation of payment systems is limiting the growth potential
+as are problems — both real and perceived — such as
+fraud and usability.
+    </p>
+
+    <p>
+Because the Web is ubiquitous, strengthening support for Web
+payments has the potential to create new opportunities for
+businesses and customers. Mobile devices are already transforming
+the industry by supplanting physical payment cards in proximity
+payments, voucher distribution, and identification when people
+authenticate to a scanner, point of sale, or access gate. Although
+we are seeing innovation in mobile payment systems, the lack of
+standards makes it more difficult to adapt to new payment
+approaches or integrate new payment providers.
+    </p>
+
+    <p>
+The <abbr title="World Wide Web Consortium">W3C</abbr> Web Payments Interest Group is developing a roadmap for standards to
+improve the interoperability of payments using Web technologies for both
+online and brick-and-mortar (offline) scenarios. This will help achieve
+greater interoperability among merchants and their customers,
+payment providers, software vendors, mobile operators, native mobile
+apps, and payment networks. The roadmap will include
+<a title="payment scheme" href="#dfn-payment-scheme" class="internalDFN">payment schemes</a> in use
+today (such as electronic cheques, credit cards, direct debit, and
+cryptocurrencies) and those of the future. The roadmap will be derived from
+the use cases listed below.
+    </p>
+
+    <section id="why-this-work-is-important" typeof="bibo:Chapter" resource="#why-this-work-is-important" property="bibo:hasPart">
+      <h3 id="h-why-this-work-is-important" resource="#h-why-this-work-is-important"><span property="xhv:role" resource="xhv:heading"><span class="secno">1.1 </span>Why This Work is Important</span></h3>
+      <p>
+The Web Payments work is not just about making payments easier, faster,
+more secure, and more innovative. There are many people around the world that
+today's financial system does not reach. These people are called the world's
+unbanked (or underbanked). The unbanked often live pay cheque to pay cheque, do
+not have access to savings accounts or low-fee cheque cashing services, lines
+of credit, or a way of saving for their future. Being unable to plan for one's
+financial future often results in a focus on the short-term, which creates a
+vicious cycle of not being able to escape one's situation. Not being able to
+participate in the financial system creates unintended inequities that create
+waste and result in a net loss for society.
+      </p>
+      <p>
+However, some of the shortcomings of today's financial system could be
+addressed via technological improvements. For example, there is a considerable
+overlap between the unbanked and underbanked population and access to advanced
+mobile phones and the Web. By providing financial services to people with
+mobile phones in a standardized way via the Web, we could see an improvement
+in the financial health of these individuals and their families.
+      </p>
+      <p>
+Extending the current financial system to reach further helps an ever
+increasing number of people plan for their future, focus on the long-term, and
+thus contributes to a greater net gain for society.
+      </p>
+    </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>
+
+      <p>
+This document is organized as follows:
+      </p>
+
+      <ul>
+          <li>
+Section 2 defines basic payment terms.
+        </li>
+        <li>
+Section 3 describes a common payment flow at a high
+level. The group expects to work on additional
+payment flows in future work.
+        </li>
+        <li>
+Section 4 is a specific narrative, labeled according
+to the steps of section 3. Section 7 describes
+additional familiar narratives to give a more complete picture
+of how the payment phases apply.
+        </li>
+        <li>
+Section 6 lists the use cases - short scenarios that cover
+diverse aspects of each payment step.
+        </li>
+      </ul>
+
+      <p>
+Each use case has:
+      </p>
+      <ul>
+          <li>
+A title and short description.
+        </li>
+        <li>
+Goals. How the use case advances one or more of the
+<a href="https://www.w3.org/Payments/IG/wiki/ExecSummary#Goals">goals
+for an interoperable Web payments framework</a>.
+        </li>
+        <li>
+Motivation. This is commentary to help explain why the use
+case has been included, including how it relates to similar use cases.
+        </li>
+      </ul>
+
+      <p>
+Each use case may also have notes on:
+      </p>
+
+      <ul>
+          <li>
+Security/Privacy. Security or privacy issues that may arise through this use
+case.
+        </li>
+        <li>
+Exceptions. Considerations in the case of specific exceptions (e.g., if a
+user pays with a voucher and the <a href="#dfn-transaction" class="internalDFN">transaction</a> fails, the user's voucher
+should be restored).
+        </li>
+        <li>
+Accessibility. Accessibility considerations (e.g., in multi-factor
+authentication, management of biometrics in the case of users with some
+disabilities).
+        </li>
+      </ul>
+
+      <div class="issue"><div class="issue-title" aria-level="4" role="heading" id="h-issue1"><span>Issue 1</span></div><p class="">
+The group seeks input from security, privacy, and accessibility experts.
+Examples of desired groups to perform these reviews are, but are not
+limited to: <abbr title="World Wide Web Consortium">W3C</abbr> Privacy Interest Group,
+<abbr title="World Wide Web Consortium">W3C</abbr> Security Interest Group, <abbr title="World Wide Web Consortium">W3C</abbr> Web Accessibility Initiative and
+Protocols and Formats Working Group, US Federal Reserve Security Panels,
+X9 Security subgroups, and ISO security subgroups.
+      </p></div>
+
+      <p>
+The Interest Group (currently) regards some of the use cases as "essential" to
+addressing their
+<a href="https://www.w3.org/Payments/IG/wiki/ExecSummary#Goals">goals</a> and
+others as "non-essential."
+      </p>
+
+      <div class="note"><div class="note-title" aria-level="4" role="heading" id="h-note1"><span>Note</span></div><p class="">
+All character names appearing in this document are fictitious. Any resemblance
+to real persons, living or dead, is purely coincidental. Some organizations,
+products, and services appearing in this document are real and are included
+purely for pedagogic purposes and don't imply endorsement or approval of the
+Web Payments work in any way, shape, or form. For all other organizations,
+products, or services appearing in this document, any resemblance to real
+entities is purely coincidental.
+      </p></div>
+
+    </section>
+
+  </section>
+
+  <section id="terminology" typeof="bibo:Chapter" resource="#terminology" property="bibo:hasPart">
+    <!--OddPage--><h2 id="h-terminology" resource="#h-terminology"><span property="xhv:role" resource="xhv:heading"><span class="secno">2. </span>Terminology</span></h2>
+    <p>
+This document attempts to communicate the concepts outlined in the Web
+Payments space by using specific terms to discuss particular concepts. This
+terminology is included below and linked to throughout the document to aid
+the reader:
+    </p>
+    <dl>
+      <dt><dfn id="dfn-entity">entity</dfn></dt>
+      <dd>
+A person, organization, or software agent that is capable of interacting with
+the world.
+      </dd>
+      <dt><dfn id="dfn-payee">payee</dfn></dt>
+      <dd>
+An <a href="#dfn-entity" class="internalDFN">entity</a> that receives funds as required by a
+<a href="#dfn-transaction" class="internalDFN">transaction</a>.
+      </dd>
+      <dt><dfn id="dfn-payer">payer</dfn></dt>
+      <dd>
+An <a href="#dfn-entity" class="internalDFN">entity</a> that provides a source of funds as required by a
+<a href="#dfn-transaction" class="internalDFN">transaction</a>.
+      </dd>
+      <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 bitcoin
+account, a PayPal account, an Alipay account, etc.
+      </dd>
+      <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 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 adhering
+entities (<a title="payment processor" href="#dfn-payment-processor" class="internalDFN">payment processors</a>,
+<a title="payer" href="#dfn-payer" class="internalDFN">payers</a> and <a title="payee" href="#dfn-payee" class="internalDFN">payees</a>). Examples: Visa,
+MasterCard, Bitcoin, Ripple, PayPal, Google Pay, Alipay, Yandex money, ACH, SEPA.
+      </dd>
+      <dt><dfn id="dfn-purchase">purchase</dfn></dt>
+      <dd>
+Activities surrounding and including a <a href="#dfn-transaction" class="internalDFN">transaction</a> (e.g., discovery of
+an offer, negotiation of terms, selection of <a href="#dfn-payment-instrument" class="internalDFN">payment instrument</a>,
+delivery, etc.).
+      </dd>
+      <dt><dfn id="dfn-transaction">transaction</dfn></dt>
+      <dd>
+An exchange of value (e.g., buying or selling something)
+      </dd>
+    </dl>
+
+    <div class="note"><div class="note-title" aria-level="3" role="heading" id="h-note2"><span>Note</span></div><p class="">
+There are a number of financial industry standards (such as
+ISO20022, ISO12812, various X9 standards, PCI DSS, and others) that
+define payment terms. The Web Payments Interest Group has as a goal to
+make use of industry-defined terms in its deliverables. At the same time,
+the group has as a goal that these use cases may be understood by both
+payment industry professionals and the broader Web community. Thus, our
+definitions are simplified and few in number here, but the group is
+also developing a
+<a href="https://www.w3.org/Payments/IG/wiki/GlossaryReference">more complete glossary</a>
+with detailed definitions and mappings to industry-defined terms.
+    </p></div>
+  </section>
+
+  <section id="an-overview-of-the-payment-phases" typeof="bibo:Chapter" resource="#an-overview-of-the-payment-phases" property="bibo:hasPart">
+    <!--OddPage--><h2 id="h-an-overview-of-the-payment-phases" resource="#h-an-overview-of-the-payment-phases"><span property="xhv:role" resource="xhv:heading"><span class="secno">3. </span>An Overview of the Payment Phases</span></h2>
+
+    <p>There are many types of <a href="#dfn-transaction" class="internalDFN">transaction</a>s in the world of payments,
+including person-to-business, business-to-business, business-to-person,
+government-to-person, person-to-government, and
+person-to-person. In this document we focus on the
+interactions between a <a href="#dfn-payer" class="internalDFN">payer</a> and a <a href="#dfn-payee" class="internalDFN">payee</a>,
+either of which could be a person, business, government, or software
+agent), which we organize into four phases:</p>
+
+    <div class="issue"><div class="issue-title" aria-level="3" role="heading" id="h-issue2"><span>Issue 2</span></div><p class="">
+The group would like feedback related to the general structure of the payment
+phases from individuals that worked on ISO20022, ISO12812, the
+European Payment Commission, and
+various X9 documents to ensure that the phases reflect business processes
+outlined in financial standardization initiatives. Feedback from the general
+public is also requested to see if non-payment professionals can navigate and
+understand the document without prior payment industry knowledge.
+    </p></div>
+
+    <ol>
+        <li>
+Negotiation of Payment Terms
+        </li>
+        <li>
+Negotiation of Payment Instruments
+        </li>
+        <li>
+Payment Processing
+        </li>
+        <li>
+Delivery of Product/Receipt and Refunds
+        </li>
+    </ol>
+
+<p>The descriptions below only discuss the interactions between the
+payer and the <a href="#dfn-payee" class="internalDFN">payee</a>. We do not expose the low-level exchanges between
+banks, card associations, or other back-end "payment clearing" parties
+in a <a href="#dfn-transaction" class="internalDFN">transaction</a>. Those details will be discussed in the Interest
+Group's work on architecture and
+requirements.</p>
+
+ <p>Each phase below consists of a series of steps.
+The details of each step vary by <a href="#dfn-payment-scheme" class="internalDFN">payment scheme</a>. Some steps may
+not be relevant at certain times (e.g., depending on
+<a href="#dfn-payment-scheme" class="internalDFN">payment scheme</a> or <a href="#dfn-transaction" class="internalDFN">transaction</a> specifics).
+For example, some  <a title="purchase" href="#dfn-purchase" class="internalDFN">purchases</a> do not involve a proof of
+funds or proof of hold. ACH and SEPA
+<a title="payment scheme" href="#dfn-payment-scheme" class="internalDFN">payment schemes</a> generally do not support the
+verification of available funds, thus in these
+<a title="payment scheme" href="#dfn-payment-scheme" class="internalDFN">payment schemes</a> the particular proof of funds
+step is skipped.
+In some cases, steps may happen in a slightly different order than described below.
+  </p>
+    <p>
+It is also important to note that these phases and steps may be interrupted
+at various times (e.g., one party drops out, or exceptions occur like
+insufficient funds or a regulatory block). While these phases are an
+approximation of the general flow of all payments, they are helpful in
+structuring the use cases such that it is easy to figure out to which part of
+the payment process a particular use case belongs.
+    </p>
+
+ <p>While these four phases may apply more or less well to a variety
+of other payment scenarios such as person-to-person
+payments, those topics are not the current focus of the group.  We
+plan to address them directly in <a href="#future-work">future
+work</a>.</p>
+
+    <section id="negotiation-of-payment-terms" typeof="bibo:Chapter" resource="#negotiation-of-payment-terms" property="bibo:hasPart">
+      <h3 id="h-negotiation-of-payment-terms" resource="#h-negotiation-of-payment-terms"><span property="xhv:role" resource="xhv:heading"><span class="secno">3.1 </span>Negotiation of Payment Terms</span></h3>
+      <p>
+In the first phase of the payment process, the <a href="#dfn-payer" class="internalDFN">payer</a> and the
+<a href="#dfn-payee" class="internalDFN">payee</a> negotiate the terms of the payment.
+      </p>
+
+      <ul>
+          <li>
+<strong>Discovery of Offer</strong>. The <a href="#dfn-payer" class="internalDFN">payer</a> discovers the
+<a title="payee" href="#dfn-payee" class="internalDFN">payee's</a> offer (e.g., by browsing a Web page or
+from a native application).
+        </li>
+        <li>
+<strong>Agreement on Terms</strong>. The <a href="#dfn-payer" class="internalDFN">payer</a> and the
+<a href="#dfn-payee" class="internalDFN">payee</a> agree to what will be purchased, for how much,
+in what currency, which <a title="payment scheme" href="#dfn-payment-scheme" class="internalDFN">payment schemes</a>
+or loyalty programs are acceptable, etc. The <a href="#dfn-payee" class="internalDFN">payee</a> may require the
+<a href="#dfn-payer" class="internalDFN">payer</a> to authenticate themselves. The <a href="#dfn-payee" class="internalDFN">payee</a> may generate an
+invoice for the <a href="#dfn-payer" class="internalDFN">payer</a>.
+        </li>
+        <li>
+<strong>Application of Marketing Elements</strong>. The <a href="#dfn-payer" class="internalDFN">payer</a>
+discovers and applies any loyalty programs, coupons, and other special offers
+to the payment terms.
+        </li>
+      </ul>
+    </section>
+
+    <section id="negotiation-of-payment-instruments" typeof="bibo:Chapter" resource="#negotiation-of-payment-instruments" property="bibo:hasPart">
+      <h3 id="h-negotiation-of-payment-instruments" resource="#h-negotiation-of-payment-instruments"><span property="xhv:role" resource="xhv:heading"><span class="secno">3.2 </span>Negotiation of Payment Instruments</span></h3>
+      <p>
+In the second phase of the payment process, <a href="#dfn-payer" class="internalDFN">payer</a> and <a href="#dfn-payee" class="internalDFN">payee</a> determine which <a title="payment instrument" href="#dfn-payment-instrument" class="internalDFN">payment instruments</a> the
+<a href="#dfn-payer" class="internalDFN">payer</a> will use to transfer funds to the <a href="#dfn-payee" class="internalDFN">payee</a>.
+      </p>
+
+      <ul>
+          <li>
+<strong>Discovery of Accepted Schemes</strong>. The <a href="#dfn-payer" class="internalDFN">payer</a>
+discovers the <a title="payment instrument" href="#dfn-payment-instrument" class="internalDFN">payment instruments</a> that
+are accepted by the <a href="#dfn-payee" class="internalDFN">payee</a>.
+        </li>
+        <li>
+<strong>Selection of Payment Instruments</strong>. The <a href="#dfn-payee" class="internalDFN">payee</a>
+selects one or more <a title="payment instrument" href="#dfn-payment-instrument" class="internalDFN">payment instruments</a>
+that are available to the <a href="#dfn-payer" class="internalDFN">payer</a> and are accepted by the
+<a href="#dfn-payee" class="internalDFN">payee</a>.
+        </li>
+        <li>
+<strong>Authentication to Access Instruments</strong>. The
+<a title="payer" href="#dfn-payer" class="internalDFN">payer's</a> access to the <a href="#dfn-payment-instrument" class="internalDFN">payment instrument</a>
+is authenticated. The <a href="#dfn-payer" class="internalDFN">payer</a> consents to pay. Note: This authentication
+with the <a href="#dfn-payment-processor" class="internalDFN">payment processor</a> is distinct from any authentication required
+by the <a href="#dfn-payee" class="internalDFN">payee</a> (such as when a merchant requires a customer to
+have an account and log in to the merchant's Web site).
+        </li>
+      </ul>
+    </section>
+
+    <section id="payment-processing" typeof="bibo:Chapter" resource="#payment-processing" property="bibo:hasPart">
+      <h3 id="h-payment-processing" resource="#h-payment-processing"><span property="xhv:role" resource="xhv:heading"><span class="secno">3.3 </span>Payment Processing</span></h3>
+      <p>
+The third phase of the payment process is used to initiate the transfer of
+funds. Depending on the <a href="#dfn-payment-instrument" class="internalDFN">payment instrument</a>, the transfer of funds
+may be verified immediately or only after several days.
+      </p>
+       <ul>
+          <li>
+<strong>Initiation of Processing</strong>. Depending on the
+<a href="#dfn-payment-instrument" class="internalDFN">payment instrument</a>, the <a href="#dfn-payer" class="internalDFN">payer</a> (e.g., when using
+PayPal or Yandex Money), the <a href="#dfn-payee" class="internalDFN">payee</a> (e.g., when using a credit card), or other
+party (e.g., bank) initiates processing.
+        </li>
+        <li>
+<strong>Verification of Available Funds</strong>. The <a href="#dfn-payee" class="internalDFN">payee</a> may
+need to provide a proof of funds or a proof of hold to the <a href="#dfn-payer" class="internalDFN">payer</a>
+before finalizing payment and delivery of the product.
+        </li>
+        <li>
+<strong>Authorization of Transfer</strong>. The <a href="#dfn-payee" class="internalDFN">payee</a> receives
+proof that the transfer of funds has been authorized.
+        </li>
+        <li>
+<strong>Completion of Transfer</strong>. The <a href="#dfn-payment-scheme" class="internalDFN">payment scheme</a>
+determines the details of payment clearing and settlement. Transfer times
+may vary from near-realtime to multiple days. The <a href="#dfn-payee" class="internalDFN">payee</a>,
+the <a href="#dfn-payer" class="internalDFN">payer</a>, and/or third parties (such as regulatory bodies) may be
+notified as each stage of the clearing and settlement process is completed.
+        </li>
+      </ul>
+    </section>
+
+    <section id="delivery-of-product-receipt-and-refunds" typeof="bibo:Chapter" resource="#delivery-of-product-receipt-and-refunds" property="bibo:hasPart">
+      <h3 id="h-delivery-of-product-receipt-and-refunds" resource="#h-delivery-of-product-receipt-and-refunds"><span property="xhv:role" resource="xhv:heading"><span class="secno">3.4 </span>Delivery of Product/Receipt and Refunds</span></h3>
+      <p>
+In the fourth phase of the payment process, the <a href="#dfn-transaction" class="internalDFN">transaction</a> is completed
+by providing the <a href="#dfn-payer" class="internalDFN">payer</a> with a receipt and/or the product that
+was purchased.
+      </p>
+
+      <ul>
+          <li>
+<strong>Delivery of Product</strong>. The <a href="#dfn-payer" class="internalDFN">payer</a> receives goods or
+services immediately, at a later date, automatically on a recurring basis,
+etc. depending on the terms of the <a href="#dfn-purchase" class="internalDFN">purchase</a>. A digital proof of
+payment may be required to access the product.
+        </li>
+        <li>
+<strong>Delivery of Receipt</strong>. Depending on the
+<a title="payment scheme" href="#dfn-payment-scheme" class="internalDFN">payment scheme(s)</a> chosen, there are
+various ways and times that a receipt may be delivered (e.g., credit card
+receipt, digital proof of <a href="#dfn-purchase" class="internalDFN">purchase</a>, encrypted line-item receipt, etc.).
+        </li>
+        <li>
+<strong>Refunds</strong>. At time exceptions may occur (e.g., defective
+product, application of store return policy, etc.). In this case, the
+<a href="#dfn-payee" class="internalDFN">payee</a> initiates payment to the <a href="#dfn-payer" class="internalDFN">payer</a>. The refund may
+take different forms, including a refund to the <a title="payer" href="#dfn-payer" class="internalDFN">payer's</a>
+payment instrument, a refund using a different payment scheme, or store credit.
+        </li>
+      </ul>
+    </section>
+
+  </section>
+
+  <section id="a-simple-example-of-the-payment-phases" typeof="bibo:Chapter" resource="#a-simple-example-of-the-payment-phases" property="bibo:hasPart">
+    <!--OddPage--><h2 id="phases-overview" resource="#phases-overview"><span property="xhv:role" resource="xhv:heading"><span class="secno">4. </span>A Simple Example of the Payment Phases</span></h2>
+    <p>
+The following scenario is provided to aid the reader in understanding how the
+phases of the payment process apply to a real world situation. In this scenario,
+we follow Jill, who seeks a new outfit for a party. She selects items from
+PayToParty, which is a brick-and-mortar store with an online presence.
+She chooses how to pay and the items are delivered to her home on the
+following day.
+    </p>
+
+    <p>
+See the appendix for <a href="#additional-examples">additional examples of
+the payment phases</a>.
+    </p>
+
+    <div class="issue"><div class="issue-title" aria-level="3" role="heading" id="h-issue3"><span>Issue 3</span></div><p class="">
+General feedback is requested as to whether or not this section is helpful in
+grounding the payment phases and steps in a real world use case is helpful this
+early in the document. An alternative would be removing this section
+entirely if the preceding section suffices, or moving this narrative to section 7 with other examples.
+    </p></div>
+
+    <section id="negotiation-of-purchase-terms" typeof="bibo:Chapter" resource="#negotiation-of-purchase-terms" property="bibo:hasPart">
+      <h3 id="h-negotiation-of-purchase-terms" resource="#h-negotiation-of-purchase-terms"><span property="xhv:role" resource="xhv:heading"><span class="secno">4.1 </span>Negotiation of Purchase Terms</span></h3>
+      <ul>
+        <li>
+<strong>Discovery of Offer</strong>: Jill begins her <a href="#dfn-purchase" class="internalDFN">purchase</a> at
+home on her laptop, where she browses the items on the PayToParty Web
+site. On the way to work the next morning, she explores the catalog
+further from a native app on her smart phone. Jill can't decide
+whether the dress displayed online is blue with black stripes or white
+with gold stripes, so during her lunch break, she drops into the
+PayToParty store near her office. She spots a few more items that
+she thinks she'd like to <a href="#dfn-purchase" class="internalDFN">purchase</a>, but decides to wait until later to
+make the <a href="#dfn-purchase" class="internalDFN">purchase</a>.
+        </li>
+
+        <li>
+<strong>Agreement on Terms</strong>: That same evening at home,
+Jill logs into her account on the PayToParty Web site, adding her
+preferred items to her shopping cart. The total price appears on the
+page.
+        </li>
+
+        <li>
+<strong>Application of Marketing Elements</strong>: As Jill prepares to
+check out, PayToParty offers her a discount of 10% if she uses the store's
+loyalty card to pay.
+        </li>
+      </ul>
+    </section>
+
+    <section id="negotiation-of-payment-instruments-1" typeof="bibo:Chapter" resource="#negotiation-of-payment-instruments-1" property="bibo:hasPart">
+      <h3 id="h-negotiation-of-payment-instruments-1" resource="#h-negotiation-of-payment-instruments-1"><span property="xhv:role" resource="xhv:heading"><span class="secno">4.2 </span>Negotiation of Payment Instruments</span></h3>
+      <ul>
+        <li>
+<strong>Discovery of Accepted Schemes</strong>: Given where Jill lives,
+PayToParty offers her payment by credit card, debit card, the PayToParty
+loyalty card, and PayPal, but not Jill's favorite cryptocurrency (which she
+uses on other sites).
+        </li>
+
+        <li>
+<strong>Selection of Payment Instruments</strong>: Jill pushes the "Pay Now to Party!" button and is presented with a number of options to pay, including her
+credit card, her PayToParty loyalty card (which is highlighted to remind her
+of the discount), and a PayPal account. There is also a gift card from
+PayToParty that she received for her birthday, but she chooses not to
+use it for this <a href="#dfn-purchase" class="internalDFN">purchase</a>.
+        </li>
+
+        <li>
+<strong>Authentication to Access Instruments</strong>: Jill selects
+the PayToParty loyalty card, which she enabled with theft-protection,
+and is asked to input a code that is sent to her phone before the
+<a href="#dfn-purchase" class="internalDFN">purchase</a> can be completed.
+        </li>
+      </ul>
+    </section>
+
+    <section id="payment-processing-1" typeof="bibo:Chapter" resource="#payment-processing-1" property="bibo:hasPart">
+      <h3 id="h-payment-processing-1" resource="#h-payment-processing-1"><span property="xhv:role" resource="xhv:heading"><span class="secno">4.3 </span>Payment Processing</span></h3>
+      <ul>
+        <li>
+<strong>Initiation of Processing</strong>. PayToParty receives a
+message from Jill's device authorizing the payment. PayToParty
+submits the message to their <a href="#dfn-payment-processor" class="internalDFN">payment processor</a>, requesting a
+proof of hold for the funds.
+        </li>
+        <li>
+<strong>Verification of Available Funds</strong>. PayToParty
+receives a proof of hold on Jill's funds for the <a href="#dfn-purchase" class="internalDFN">purchase</a> price of
+the goods. The PayToParty night-shift employees begin packing her purchased
+items for delivery the next day.
+        </li>
+        <li>
+<strong>Authorization of Transfer</strong>. Once Jill's package is ready to
+go, PayToParty exchanges the proof of hold for a proof of payment by
+re-submitting the request to the payment network. They receive a proof of
+payment from the <a href="#dfn-payment-processor" class="internalDFN">payment processor</a>.
+        </li>
+        <li>
+<strong>Completion of Transfer</strong>. Since Jill's PayToParty loyalty card
+operates as a credit card, PayToParty will receive the funds in their normal
+end of week settlement.
+        </li>
+      </ul>
+    </section>
+
+    <section id="delivery-of-product-receipt-and-refunds-1" typeof="bibo:Chapter" resource="#delivery-of-product-receipt-and-refunds-1" property="bibo:hasPart">
+      <h3 id="h-delivery-of-product-receipt-and-refunds-1" resource="#h-delivery-of-product-receipt-and-refunds-1"><span property="xhv:role" resource="xhv:heading"><span class="secno">4.4 </span>Delivery of Product/Receipt and Refunds</span></h3>
+      <ul>
+        <li>
+<strong>Delivery of Receipt</strong>. Jill's cloud-based wallet
+receives a detailed line-item digital receipt for the <a href="#dfn-purchase" class="internalDFN">purchase</a>.
+        </li>
+
+        <li>
+<strong>Delivery of Product</strong>. Jill's package goes out by courier the
+next morning and is on her doorstep before she leaves for work.
+        </li>
+      </ul>
+    </section>
+  </section>
+
+  <section id="assumptions" typeof="bibo:Chapter" resource="#assumptions" property="bibo:hasPart">
+    <!--OddPage--><h2 id="h-assumptions" resource="#h-assumptions"><span property="xhv:role" resource="xhv:heading"><span class="secno">5. </span>Assumptions</span></h2>
+
+    <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>
+
+    <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,
+and proximity connections over a technology such as Near-Field Communication
+(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>
+<strong>Registered Payment Instruments</strong>. In order for the
+<a href="#dfn-payer" class="internalDFN">payer</a> to select and utilize
+<a title="payment instrument" href="#dfn-payment-instrument" class="internalDFN">payment instruments</a>, they must be
+registered in some way and discoverable by a browser, native application,
+or other software.
+        </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 <a href="#dfn-transaction" class="internalDFN">transaction</a>.</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>
+
+  <section id="use-cases-1" typeof="bibo:Chapter" resource="#use-cases-1" property="bibo:hasPart">
+    <!--OddPage--><h2 id="use-cases" resource="#use-cases"><span property="xhv:role" resource="xhv:heading"><span class="secno">6. </span>Use Cases</span></h2>
+
+    <p>
+This section examines the phases of payment, and the steps involved in each
+phase, through a variety of use cases. The purpose of this section is to
+elaborate on the variety of scenarios present in each step of the payment
+process.
+    </p>
+
+    <div class="issue"><div class="issue-title" aria-level="3" role="heading" id="h-issue4"><span>Issue 4</span></div><p class="">
+General feedback is requested related to the general structure of the
+use case snippets below. Are they focused enough to convey each topic listed?
+Is there information that should be added to each use case in general? Would
+more elaborate use cases be helpful? Would an attempt to minimize each existing
+use further be helpful in scanning the document more quickly?
+    </p></div>
+
+    <section id="negotiation-of-payment-terms-1" typeof="bibo:Chapter" resource="#negotiation-of-payment-terms-1" property="bibo:hasPart">
+      <h3 id="h-negotiation-of-payment-terms-1" resource="#h-negotiation-of-payment-terms-1"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.1 </span>Negotiation of Payment Terms</span></h3>
+      <p>
+      </p>
+
+      <section id="discovery-of-offer" typeof="bibo:Chapter" resource="#discovery-of-offer" property="bibo:hasPart">
+        <h4 id="h-discovery-of-offer" resource="#h-discovery-of-offer"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.1.1 </span>Discovery of Offer</span></h4>
+
+        <dl class="dl-horizontal">
+          <dt>Website</dt>
+          <dd>
+Penny uses the HobbyCo website to select a $15 model train for <a href="#dfn-purchase" class="internalDFN">purchase</a>.
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+rapid, widespread adoption.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+This is the most common type of offer on the Web circa 2015 and is included
+for the sake of completeness.
+          </dd>
+        </dl>
+
+        <dl class="dl-horizontal">
+          <dt>Point of Sale Kiosk</dt>
+          <dd>
+Cory shops for groceries at his local ChowMart, scans all of the items he
+wants to <a href="#dfn-purchase" class="internalDFN">purchase</a> at the automated kiosk, and is presented with a
+total amount.
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Improved user experience, and rapid, widespread adoption.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+Unifying POS interaction w/ the Web Payments architecture is vital for the
+success of this work.
+          </dd>
+          <dt>Privacy</dt>
+          <dd>Cory should exercise control over how much he wants the merchant
+	    to be able to track his activities. Programs like loyalty cards will likely involve agreement to more data with the merchant.
+          </dd>
+        </dl>
+
+        <dl class="dl-horizontal">
+          <dt>Mobile</dt>
+          <dd>
+Daniel takes a taxi from the airport to his hotel. The taxi driver
+displays the total with his mobile device and offers a tap-to-pay option.
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Improved user experience, Greater security, Innovation, Automatability, and
+rapid, widespread adoption.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+Unifying the way tap-to-pay offers work with the Web Payments architecture
+would help ensure ubiquity.
+          </dd>
+          <dt>Exceptions</dt>
+          <dd>
+No mobile phone connectivity (visiting a different country, trip occurs
+outside the range of a mobile network, etc.)
+          </dd>
+        </dl>
+
+        <dl class="dl-horizontal">
+          <dt>Freemium</dt>
+          <dd>
+Ricki 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>Goals</dt>
+          <dd>
+Improved user experience, Innovation, and Transparency.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+Many of the very successful games these days run on the freemium model,
+but are tied to specific app stores. Providing an app-store agnostic
+mechanism to pay for items in freemium games would give players and
+developers more choices.
+          </dd>
+        </dl>
+
+        <section id="non-essential-use-cases" typeof="bibo:Chapter" resource="#non-essential-use-cases" property="bibo:hasPart">
+          <h5 id="h-non-essential-use-cases" resource="#h-non-essential-use-cases"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.1.1.1 </span>Non-Essential Use Cases</span></h5>
+
+          <dl class="dl-horizontal">
+            <dt>E-mail</dt>
+            <dd>
+A GroupBuyCo customer receives an offer by email to <a href="#dfn-purchase" class="internalDFN">purchase</a> the deal
+of the day.
+            </dd>
+            <dt>Goals</dt>
+            <dd>
+Improved user experience, and Automatability.
+            </dd>
+            <dt>Motivation</dt>
+            <dd>
+	      Unifying how people initiate payments from
+email, at a Point of Sale, and via a Web site will 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>
+By design, some <a title="transaction" href="#dfn-transaction" class="internalDFN">transactions</a> do not reach
+completion. Some are merely there to protect the <a href="#dfn-payee" class="internalDFN">payee</a> (e.g., in the
+event of questionable judgment by the <a href="#dfn-payer" class="internalDFN">payer</a>).
+            </dd>
+            <dt>Exceptions</dt>
+            <dd>
+Software acting on the <a title="payer" href="#dfn-payer" class="internalDFN">payer's</a> behalf may keep
+track of exactly how much money the <a href="#dfn-payer" class="internalDFN">payer</a> 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 <a href="#dfn-purchase" class="internalDFN">purchase</a> before a particular metered good or service is
+delivered.
+            </dd>
+            <dt>Privacy</dt>
+            <dd>Due to the sensitivity of location data, individuals
+	      should be able to make small fuel <a title="purchase" href="#dfn-purchase" class="internalDFN">purchases</a> in a way that respects their privacy.
+            </dd>
+            <dt>Security</dt>
+            <dd>Automated <a title="purchase" href="#dfn-purchase" class="internalDFN">purchases</a> (e.g,. by a vehicle) should involve increased security (e.g., a second factor of authentication).
+            </dd>
+          </dl>
+
+          <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 are 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 <a href="#dfn-transaction" class="internalDFN">transaction</a> 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 from
+a simple way of executing a payment without requiring redirection
+to another site to enter account and payment details.
+            </dd>
+          </dl>
+
+          <dl class="dl-horizontal">
+            <dt>In-vehicle</dt>
+            <dd>
+Jeff listens to a lot of music on the way to work. The music station serves a digital offer along with the music stream. This enables Jeff to
+easily buy music that he really likes.
+            </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>
+            <dt>Accessibility</dt>
+            <dd>
+For safety reasons, the interface used to interact with the digital offer
+must not distract the driver of the vehicle. Voice controls and other
+techniques can be used to reduce driver distraction.
+            </dd>
+          </dl>
+
+        </section>
+      </section>
+
+      <section id="agreement-on-terms" typeof="bibo:Chapter" resource="#agreement-on-terms" property="bibo:hasPart">
+        <h4 id="h-agreement-on-terms" resource="#h-agreement-on-terms"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.1.2 </span>Agreement on Terms</span></h4>
+        <p>
+        </p>
+
+        <dl class="dl-horizontal">
+          <dt>Credentials</dt>
+          <dd>
+At times it is necessary to transmit personally identifiable information
+(e.g., about a qualification, achievement, personal quality, aspect of an
+<a href="#dfn-entity" class="internalDFN">entity</a>'s background, or verifiable statement by an entity about
+another entity) in order to be cleared to make a purchase:
+            <ul>
+                <li>
+PharmCo will only sell regulated drugs to someone with proof
+of an active pharmacist's license.
+              </li>
+                <li>
+WineCo will only sell wine to someone with proof of being over the age of 21.
+              </li>
+                <li>
+BoomCo will only ship industrial explosives to a business that can
+provide evidence of construction permits, a contractor's license, and an explosives handling license.
+              </li>
+                <li>
+HomeLoanCo will not finalize a quote for a home mortgage without
+a credit score report and an audited finances report.
+              </li>
+            </ul>
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Improved user experience,
+Greater security,
+Regulatory acceptance,
+Innovation,
+Transparency,
+Automatability, and
+Portability.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+There are certain types of  <a title="purchase" href="#dfn-purchase" class="internalDFN">purchases</a> that cannot
+be initiated without a proper set of credentials. While this isn't fundamental
+to the payment process, it is an integral part of some <a href="#dfn-transaction" class="internalDFN">transaction</a>
+processes.
+          </dd>
+          <dt>Privacy / Security</dt>
+          <dd>It is important that people retain control over when
+	    and how their credentials are shared.</dd>
+          <dt>Exceptions</dt>
+          <dd>A <a href="#dfn-transaction" class="internalDFN">transaction</a> may fail if a required credential is not available.
+          </dd>
+        </dl>
+
+        <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 <a href="#dfn-transaction" class="internalDFN">transaction</a>.
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Improved user experience, and Greater security.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+Certain low-value <a href="#dfn-transaction" class="internalDFN">transaction</a>s shouldn't require the
+<a href="#dfn-payer" class="internalDFN">payer</a> to divulge personal information that is not necessary
+to complete the <a href="#dfn-transaction" class="internalDFN">transaction</a>.
+          </dd>
+          <dt>Privacy</dt>
+          <dd>Non-essential, personally identifiable data should be anonymized and protected throughout the process.
+          </dd>
+        </dl>
+
+        <dl class="dl-horizontal">
+          <dt>Need to Know</dt>
+          <dd>
+PayCo is required to keep a certain amount of information on their customers
+for anti-money laundering / know your customer regulatory purposes. When a
+<a href="#dfn-payer" class="internalDFN">payer</a> performs a <a href="#dfn-transaction" class="internalDFN">transaction</a> with a <a href="#dfn-payee" class="internalDFN">payee</a>, PayCo
+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>Goals</dt>
+          <dd>
+Greater security, and Regulatory acceptance.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+There are types of information, such as personally identifiable information,
+that <a title="payee" href="#dfn-payee" class="internalDFN">payees</a> do not need to know for some
+transactions. Limiting sensitive information to be transmitted to entities
+involved in a payment on a purely need-to-know basis increases security
+while ensuring regulatory compliance.
+          </dd>
+        </dl>
+
+        <dl class="dl-horizontal">
+          <dt>One-time Payment</dt>
+          <dd>
+Jamie wishes to pay for a single article from a market analyst.
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Improved user experience
+          </dd>
+          <dt>Motivation</dt>
+          <dd>It should be clear to a
+<a title="payer" href="#dfn-payer" class="internalDFN">payer</a> whether a
+<a href="#dfn-purchase" class="internalDFN">purchase</a> is one-time or recurring, prior to initiation of
+the payment.
+          </dd>
+        </dl>
+
+        <dl class="dl-horizontal">
+          <dt>Invoices</dt>
+          <dd>
+Will goes to SuperVoices to download a voiceover that he commissioned for
+his new pet sitting service. SuperVoices generates a detailed invoice for the
+service and provides it to Will.
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Improved user experience,
+Greater security,
+Transparency,
+Automatability,
+Portability, and
+Monetization.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+For certain <a title="payment scheme" href="#dfn-payment-scheme" class="internalDFN">payment schemes</a>, the <a href="#dfn-payer" class="internalDFN">payer</a>
+will have to provide the payment service with a detailed digital invoice from
+the <a href="#dfn-payee" class="internalDFN">payee</a> in order to initiate payment to the <a href="#dfn-payee" class="internalDFN">payee</a>.
+          </dd>
+        </dl>
+
+        <section id="non-essential-use-cases-1" typeof="bibo:Chapter" resource="#non-essential-use-cases-1" property="bibo:hasPart">
+          <h5 id="h-non-essential-use-cases-1" resource="#h-non-essential-use-cases-1"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.1.2.1 </span>Non-essential Use Cases</span></h5>
+
+          <dl class="dl-horizontal">
+            <dt>Subscription</dt>
+            <dd>
+Jeff subscribes to a site that provides a monthly analysis of the world
+of finance.
+            </dd>
+            <dt>Goals</dt>
+            <dd>
+Improved user experience,
+Transparency, and
+Automatability.
+            </dd>
+            <dt>Motivation</dt>
+            <dd>
+<a title="payer" href="#dfn-payer" class="internalDFN">Payers</a> should be able to understand if a
+particular <a href="#dfn-purchase" class="internalDFN">purchase</a> is a recurring payment prior to initiating
+the payment.
+            </dd>
+          </dl>
+
+          <dl class="dl-horizontal">
+            <dt>Registration-less</dt>
+            <dd>
+Some <a title="payee" href="#dfn-payee" class="internalDFN">payees</a> would rather not require a <a href="#dfn-payer" class="internalDFN">payer</a> to
+register at their site before initiating a purchase:
+              <ul>
+                <li>
+Sven wants to view a pay to read article and does so without needing to
+pre-register with the website.
+                </li>
+                <li>
+Reiko finds a blowtorch for sale at a local digital resale website and
+places money into escrow without needing to register with the website.
+                </li>
+                <li>
+Benny is listening to music in a local coffee shop and likes a song he hears.
+He initiates a purchase of the song from the local "music beacon" without
+needing to register with the coffee shop or the music service.
+                </li>
+              </ul>
+            </dd>
+            <dt>Goals</dt>
+            <dd>
+Improved user experience,
+Greater security,
+Innovation, and
+Automatability
+            </dd>
+            <dt>Motivation</dt>
+            <dd>
+There are a large number of "paywall" websites on the Web that require a
+customer to register before they may use the website. In many cases, if the
+site isn't regularly visited by the customer, they abandon the transaction
+when they see the paywall requirement. Providing a mechanism to sell an
+inexpensive item to a customer without requiring registration would be of
+great benefit to not only the merchants selling goods and services, but
+customers that would like to avoid lengthy registration processes.
+            </dd>
+          </dl>
+
+          <dl class="dl-horizontal">
+            <dt>Full Disclosure</dt>
+            <dd>
+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>Goals</dt>
+            <dd>
+Improved user experience.
+            </dd>
+            <dt>Motivation</dt>
+            <dd>
+Some <a href="#dfn-transaction" class="internalDFN">transaction</a>s will require very sensitive personally identifiable
+information to be transmitted by the <a href="#dfn-payer" class="internalDFN">payer</a>.
+            </dd>
+            <dt>Privacy / Security</dt>
+            <dd>We must ensure adequate security for these highly sensitive
+	      transactions to reduce the likelihood of phishing attacks.</dd>
+          </dl>
+        </section>
+
+      </section>
+
+      <section id="application-of-marketing-elements" typeof="bibo:Chapter" resource="#application-of-marketing-elements" property="bibo:hasPart">
+        <h4 id="h-application-of-marketing-elements" resource="#h-application-of-marketing-elements"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.1.3 </span>Application of Marketing Elements</span></h4>
+        <p>
+        </p>
+
+        <dl class="dl-horizontal">
+          <dt>Coupons</dt>
+          <dd>
+JustPopcorn sends Marco a special discount offer given Marco's past
+<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>Goals</dt>
+          <dd>
+Automatability and Portability.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+Providing a mechanism to apply digital coupons before a payment is initiated
+helps price-conscious customers as well as merchants attempting to research
+price sensitivity.
+          </dd>
+        </dl>
+
+        <dl class="dl-horizontal">
+          <dt>Loyalty Cards</dt>
+          <dd>
+Terry uses his FoodCo loyalty card when purchasing his weekly groceries, which
+gives him a discount on gas  <a title="purchase" href="#dfn-purchase" class="internalDFN">purchases</a> performed at the
+FoodCo gas station.
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Improved user experience and Portability.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+Loyalty cards may be used at multiple locations to effect the price of a
+particular good.
+          </dd>
+        </dl>
+
+        <dl class="dl-horizontal">
+          <dt>Store Credit</dt>
+          <dd>
+When Rick arrives as the self-checkout kiosk,
+he scans five dress shirts and two new pairs of slacks.
+The kiosk mentions that Rick could save 15% off of his <a href="#dfn-purchase" class="internalDFN">purchase</a>
+if he makes the <a href="#dfn-purchase" class="internalDFN">purchase</a> using store credit. He accepts the offer and
+a new store credit card is placed in his payment application on his mobile
+phone.
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Increased user choice,
+Improved user experience,
+Automatability,
+Portability,
+Monetization,
+and rapid, widespread adoption.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+Merchants often provide discounts to customers if they sign up for a
+store-specific line of credit.
+          </dd>
+        </dl>
+
+      </section>
+
+    </section>
+
+    <section id="negotiation-of-payment-instruments-2" typeof="bibo:Chapter" resource="#negotiation-of-payment-instruments-2" property="bibo:hasPart">
+      <h3 id="h-negotiation-of-payment-instruments-2" resource="#h-negotiation-of-payment-instruments-2"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.2 </span>Negotiation of Payment Instruments</span></h3>
+      <p>
+      </p>
+
+
+      <section id="discovery-of-accepted-schemes" typeof="bibo:Chapter" resource="#discovery-of-accepted-schemes" property="bibo:hasPart">
+        <h4 id="h-discovery-of-accepted-schemes" resource="#h-discovery-of-accepted-schemes"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.2.1 </span>Discovery of Accepted Schemes</span></h4>
+        <p>
+        </p>
+
+        <dl class="dl-horizontal">
+          <dt>Ubiquitous Schemes</dt>
+          <dd>
+A game store Web site accepts payment via credit card, e-cheque, and
+operator billing.
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Increased user choice,
+Improved user experience,
+Minimal standardization,
+Lower Costs,
+Automatability,
+and rapid, widespread adoption.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>We have a goal for the Web payment architecture
+	    to support existing ubiquitous <a title="payment scheme" href="#dfn-payment-scheme" class="internalDFN">payment schemes</a> without changes to how they operate.
+          </dd>
+        </dl>
+
+        <dl class="dl-horizontal">
+          <dt>Emerging Schemes</dt>
+          <dd>
+CrowdFundCo supports Bitcoin, Ripple, Google Wallet, and PayPal.
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Increased user choice,
+Improved user experience,
+Minimal standardization,
+Lower Costs,
+Automatability,
+and rapid, widespread adoption.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+The same mechanism used to support existing
+<a title="payment scheme" href="#dfn-payment-scheme" class="internalDFN">payment schemes</a> should also
+support emerging <a title="payment scheme" href="#dfn-payment-scheme" class="internalDFN">payment schemes</a>.
+          </dd>
+        </dl>
+
+      </section>
+
+      <section id="selection-of-payment-instruments" typeof="bibo:Chapter" resource="#selection-of-payment-instruments" property="bibo:hasPart">
+        <h4 id="h-selection-of-payment-instruments" resource="#h-selection-of-payment-instruments"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.2.2 </span>Selection of Payment Instruments</span></h4>
+        <p>
+        </p>
+
+        <dl class="dl-horizontal">
+          <dt>Discovery</dt>
+          <dd>
+Yanos has a multiple digital wallets: one on his mobile phone, two in the
+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>Goals</dt>
+          <dd>
+Increased user choice,
+Improved user experience,
+Automatability,
+Portability,
+and rapid, widespread adoption.
+          </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.
+          </dd>
+          <dt>Privacy / Security</dt>
+          <dd>
+Discovery of digital wallets must be done in such a way as to ensure
+privacy protection.
+          </dd>
+        </dl>
+
+        <dl class="dl-horizontal">
+          <dt>Manual Selection</dt>
+          <dd>In many cases, the <a href="#dfn-payer" class="internalDFN">payer</a> will select a payment instrument manually:
+            <ul>
+                <li>
+Marie has credit cards from three different institutions:
+one for work (from BankA), one personal card (from BankB), and one retail card
+(from PayCo). She wants to choose the right one depending on the context of her
+purchase.
+              </li>
+                <li>
+Claire has one debit card and multiple credit cards from the same bank.
+              </li>
+                <li>
+Veronique wants to use a cryptocurrency in some cases (e.g.,
+peer-to-peer payments).
+              </li>
+                <li>
+Seth participates in a loyalty program with his local grocery store and
+can apply a variety of digital coupons when he visits the store.
+<span class="issue">Is a loyalty card a payment instrument, or a credential?
+</span>
+              </li>
+                <li>
+David wants to be able to manually arrange available
+<a title="payment instrument" href="#dfn-payment-instrument" class="internalDFN">payment instruments</a> when they are presented
+to him. <span class="issue">Why does this need to be standardized?
+Isn't this just a part of the wallet UI?</span>
+              </li>
+            </ul>
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Increased user choice,
+Improved user experience,
+Innovation,
+Transparency,
+Portability,
+and rapid, widespread adoption.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+There are scenarios, such as the first interaction/use of a payment instrument,
+where selection of the payment instrument won't be able to be performed
+automatically.
+          </dd>
+        </dl>
+
+        <dl class="dl-horizontal">
+          <dt>Automatic Selection</dt>
+          <dd>When a <a title="payer" href="#dfn-payer" class="internalDFN">payer's</a> personal preferences are known, it becomes possible to make selections for them automatically.
+
+            <ul>
+                <li>
+Jonny's payment software on his smart watch chooses the payment instrument that
+will provide him with the biggest cost savings for each <a href="#dfn-purchase" class="internalDFN">purchase</a> he makes
+throughout the week.
+              </li>
+                <li>
+PayCo wants Elizabeth to know that if she pays with the debit card preferred
+by PayCo (because of a lower <a href="#dfn-transaction" class="internalDFN">transaction</a> fee for PayCo), she will benefit from a discount.
+              </li>
+                <li>
+Whenever Mary shops at BigFreshGrocery she uses the same credit card.
+She wants payment to happen automatically with that card when she puts her
+phone near the checkout terminal as well as when purchasing groceries online
+from BigFreshGrocery.
+              </li>
+                <li>
+Lalana does not like to scroll. She wants the instruments she uses most often to appear at top of the displayed list of available payment instruments.
+              </li>
+            </ul>
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Increased user choice,
+Improved user experience,
+Innovation,
+Lower Costs,
+Transparency,
+Automatability,
+and rapid, widespread adoption.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>Payment solutions providers can make payments easier and faster through automation.
+          </dd>
+        </dl>
+
+        <dl class="dl-horizontal">
+          <dt>Payer Privacy</dt>
+          <dd>We anticipate a range of privacy scenarios:
+            <ul>
+                <li>
+Lucio sends information about instruments he is willing to use to
+TrustedMerchant, who provides a discount for access to his information.
+              </li>
+                <li>
+Carla does not want to share information about the
+<a title="payment instrument" href="#dfn-payment-instrument" class="internalDFN">payment instruments</a> she uses with any
+merchants, so that information is not shared with any online merchants.
+              </li>
+            </ul>
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Increased user choice,
+Improved user experience,
+Innovation, and
+Monetization.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+Sharing or protecting data on the sorts of
+<a title="payment instrument" href="#dfn-payment-instrument" class="internalDFN">payment instruments</a> available to
+a <a href="#dfn-payer" class="internalDFN">payer</a> should be a decision made by the <a href="#dfn-payer" class="internalDFN">payer</a>.
+          </dd>
+          <dt>Privacy / Security</dt>
+          <dd>
+The types of <a title="payment instrument" href="#dfn-payment-instrument" class="internalDFN">payment instruments</a> available
+to a <a href="#dfn-payer" class="internalDFN">payer</a> could be
+used to digitally fingerprint a <a href="#dfn-payer" class="internalDFN">payer</a> even if they were using an
+pseudo-anonymous payment mechanism. Merchants and <a href="#dfn-payee" class="internalDFN">payee</a>s may be legally
+obligated to protect this kind of <a href="#dfn-payer" class="internalDFN">payer</a> payment information.
+          </dd>
+        </dl>
+
+      </section>
+
+      <section id="authentication-to-access-instruments" typeof="bibo:Chapter" resource="#authentication-to-access-instruments" property="bibo:hasPart">
+        <h4 id="h-authentication-to-access-instruments" resource="#h-authentication-to-access-instruments"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.2.3 </span>Authentication to Access Instruments</span></h4>
+        <p>
+        </p>
+
+        <dl class="dl-horizontal">
+          <dt>Multi-Factor</dt>
+          <dd>We anticipate a range of authentication scenarios, leveraging a wide variety of approaches and device capabilities:
+            <ul>
+                <li>
+When Ian selects his debit card, he is prompted for a PIN.
+              </li>
+                <li>
+Wes has configured his debit card to require a fingerprint scan from his
+mobile device and a Universal Two Factor (U2F) device to be used when
+performing a <a href="#dfn-purchase" class="internalDFN">purchase</a> over $1,000.
+              </li>
+                <li>
+Frederic taps his phone at the grocery store to pay, and BankA sends him a
+one-time password (OTP) on his mobile phone that he enters using a keypad at
+the checkout counter.
+              </li>
+                <li>
+Nadia's bank asks her to use her two-factor authentication device and at
+least one of their in-branch retinal scanners or palm-vein readers
+before she is allowed to withdraw $25,000.
+              </li>
+            </ul>
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+and rapid, widespread adoption.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>The payments architecture should support
+	    the authentication devices available today for
+multi-factor authentication, as well as those of the future.
+          </dd>
+          <dt>Accessibility</dt>
+          <dd>Not everyone can provide fingerprints or detailed iris scans.
+	    Therefore, it is important to offer multiple forms of
+	    biometric verification to improve accessibility.
+          </dd>
+        </dl>
+
+        <dl class="dl-horizontal">
+          <dt>Regulatory Blocks</dt>
+          <dd>
+PayCo must ensure that their customers do not appear on any regulatory
+blacklists when performing <a href="#dfn-transaction" class="internalDFN">transaction</a>s above a certain monetary amount.
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Regulatory acceptance, and Automatability.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+Easing compliance with Know Your Customer (KYC) and
+Anti-Money Laundering (AML) regulations
+will ensure safer and faster <a title="payment scheme" href="#dfn-payment-scheme" class="internalDFN">payment schemes</a>.
+          </dd>
+          <dt>Exceptions</dt>
+          <dd>
+If a <a href="#dfn-payee" class="internalDFN">payee</a> detects that a <a href="#dfn-payer" class="internalDFN">payer</a> is on an applicable blacklist, the
+transaction must not proceed.
+          </dd>
+        </dl>
+
+        <section id="non-essential-use-cases-2" typeof="bibo:Chapter" resource="#non-essential-use-cases-2" property="bibo:hasPart">
+          <h5 id="h-non-essential-use-cases-2" resource="#h-non-essential-use-cases-2"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.2.3.1 </span>Non-essential Use Cases</span></h5>
+          <dl class="dl-horizontal">
+            <dt>Biometric</dt>
+            <dd>
+In current online and offline payment <a href="#dfn-transaction" class="internalDFN">transaction</a>s, biometric
+authentication can be used instead of password-based authentication:
+              <ul>
+                  <li>
+John registers his fingerprint with his payment provider so that he can
+just use a fingerprint to pay for low-value items.
+                </li>
+                  <li>
+Sarah registers her voiceprint and face with her payment provider for use
+in <a href="#dfn-transaction" class="internalDFN">transaction</a>s greater than $1,000.
+                </li>
+                  <li>
+Rico buys a $5,000 car for his daughter through an online dealership. His
+<a href="#dfn-payment-processor" class="internalDFN">payment processor</a> requires a password plus two forms of biometric
+identification. Rico doesn't have hands, so he uses a face and iris scan to
+perform the authentication.
+                </li>
+              </ul>
+            </dd>
+            <dt>Goals</dt>
+            <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Minimal standardization,
+Regulatory acceptance,
+Innovation,
+and rapid, widespread adoption.
+            </dd>
+            <dt>Motivation</dt>
+            <dd>
+Biometrics can be utilized on Point of Sale terminals, mobile, and wearable
+devices. Web payment systems based on biometrics could achieve more reliable
+information security and convenience. Some forms of biometric authentication,
+like facial recognition, can also be used to augment password-based
+authentication mechanisms.
+            </dd>
+            <dt>Security / Privacy</dt>
+            <dd>
+              <ul>
+                  <li>
+An individual's privacy should be protected when performing any sort of
+biometric authentication.
+                </li>
+                  <li>
+Important data, such as the fingerprint template and private key, and
+sensitive code should be stored and executed in a Trusted Execution
+Environment (TEE).
+                </li>
+                  <li>
+The fingerprint authentication protocol, which is capable of transmitting a
+proof of fingerprint authentication credential, should not contain any
+personal fingerprint data.
+                </li>
+              </ul>
+            </dd>
+            <dt>Accessibility</dt>
+          <dd>Not everyone can provide fingerprints or detailed iris scans.
+	    Therefore, it is important to offer multiple forms
+	    biometric verification to improev accessibility.
+          </dd>
+          </dl>
+        </section>
+
+      </section>
+
+    </section>
+
+    <section id="payment-processing-2" typeof="bibo:Chapter" resource="#payment-processing-2" property="bibo:hasPart">
+      <h3 id="h-payment-processing-2" resource="#h-payment-processing-2"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.3 </span>Payment Processing</span></h3>
+      <p>
+      </p>
+
+      <section id="initiation-of-processing" typeof="bibo:Chapter" resource="#initiation-of-processing" property="bibo:hasPart">
+        <h4 id="h-initiation-of-processing" resource="#h-initiation-of-processing"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.3.1 </span>Initiation of Processing</span></h4>
+        <p>
+        </p>
+
+        <div class="note"><div class="note-title" aria-level="5" role="heading" id="h-note3"><span>Note</span></div><p class="">
+Before subjecting a person or organization to any financial <a href="#dfn-transaction" class="internalDFN">transaction</a>
+commitment (such as a web payment), they should be presented with the option
+of reversing, checking, or confirming their choice or submission. It should
+also be noted that this does not preclude certain <a href="#dfn-transaction" class="internalDFN">transaction</a> operations
+from being automated once they have been authorized by an <a href="#dfn-entity" class="internalDFN">entity</a>.
+For more details, see the section on
+<a href="http://www.w3.org/TR/2008/REC-WCAG20-20081211/#minimize-error-reversible">Error Prevention (Legal, Financial, Data)</a>
+in [<cite><a class="bibref" href="#bib-WCAG20">WCAG20</a></cite>].
+        </p></div>
+
+        <dl class="dl-horizontal">
+          <dt>Payee-initiated</dt>
+          <dd>Some payments are initiated by the payee:
+            <ul>
+                <li>
+Richard choses to pay using a credit card at FlowerFriends. FlowerFriends
+initiates payment processing using their <a href="#dfn-payment-processor" class="internalDFN">payment processor</a> to contact the
+acquiring bank that handles credit card payments for FlowerFriends.
+              </li>
+                <li>
+Pitir has authorized RentSeekers to pull money out of his bank account on a
+monthly basis in order to pay his rent. RentSeekers initiates a payment using
+the ACH network to pull money from Pitir's bank account.
+              </li>
+            </ul>
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Automatability, and rapid, widespread adoption.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+Payee-initiated payments, also known as "pull payments" or
+"four corner model payments", are widely deployed and utilized today.
+          </dd>
+          <dt>Privacy / Security</dt>
+          <dd>
+One of the biggest security flaws of <a href="#dfn-payee" class="internalDFN">payee</a>-initiated payments is that
+all the information necessary to initiate a <a href="#dfn-transaction" class="internalDFN">transaction</a> from the
+<a title="payer" href="#dfn-payer" class="internalDFN">payer's</a> financial account is typically transmitted
+to the <a href="#dfn-payee" class="internalDFN">payee</a>. For example, credit card information along with
+expiration date, name, and CVV2 code are transmitted and could be intercepted
+by rogue software running on the <a title="payer" href="#dfn-payer" class="internalDFN">payer's</a> servers.
+Special attention should be paid to ensuring that this risky security
+model isn't supported by a Web Payments solution. For example, at a minimum,
+credit card tokenization such as EMVCo's solution should be supported
+alongside other tokenization solutions.
+          </dd>
+        </dl>
+
+        <dl class="dl-horizontal">
+          <dt>Payer-initiated</dt>
+          <dd>Some payments are initiated by the payer:
+            <ul>
+                <li>
+Once Sally has signed into PayPal to pay, PayPal initiates payment processing.
+              </li>
+                <li>
+Joakim uses his Bitcoin wallet to send money to his friend.
+              </li>
+                <li>
+Carson (in New York City) sends money to Vladamir (in Moscow) using
+his Ripple client, which converts the currency from US Dollars to Rubels in
+transit.
+              </li>
+            </ul>
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Improved user experience,
+Greater security,
+Innovation, and
+Automatability.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+Payer-initiated payments, also known as "push payments",
+"three-corner model payments", or "peer-to-peer payments", are fundamentally
+more secure as no information is given to the <a href="#dfn-payee" class="internalDFN">payee</a> that would
+allow them or an attacker to replay the <a href="#dfn-transaction" class="internalDFN">transaction</a> for a different
+amount or to a different <a href="#dfn-payee" class="internalDFN">payee</a> at a later date.
+          </dd>
+        </dl>
+
+      </section>
+
+      <section id="verification-of-available-funds" typeof="bibo:Chapter" resource="#verification-of-available-funds" property="bibo:hasPart">
+        <h4 id="h-verification-of-available-funds" resource="#h-verification-of-available-funds"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.3.2 </span>Verification of Available Funds</span></h4>
+        <p>
+        </p>
+
+        <dl class="dl-horizontal">
+          <dt>Hold Verification</dt>
+          <dd>
+Renne checks into a hotel and is asked for a deposit for any damages to the
+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>Goals</dt>
+          <dd>
+Improved user experience, and Transparency.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+Delivering services or products that are difficult to "undo," such
+as performing an oil change, dispensing fuel, or renting a car or hotel
+room are examples of situations which may require a two-part
+<a href="#dfn-transaction" class="internalDFN">transaction</a>.
+          </dd>
+        </dl>
+
+        <section id="non-essential-use-cases-3" typeof="bibo:Chapter" resource="#non-essential-use-cases-3" property="bibo:hasPart">
+          <h5 id="h-non-essential-use-cases-3" resource="#h-non-essential-use-cases-3"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.3.2.1 </span>Non-essential Use Cases</span></h5>
+          <dl class="dl-horizontal">
+            <dt>Funds Verification</dt>
+            <dd>
+When Mario wishes to <a href="#dfn-purchase" class="internalDFN">purchase</a> a race car through the manufacturer,
+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>Goals</dt>
+            <dd>
+Greater security and Transparency.
+            </dd>
+            <dt>Motivation</dt>
+            <dd>
+A <a href="#dfn-payee" class="internalDFN">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 href="#dfn-payer" class="internalDFN">payer</a> may be costly.
+            </dd>
+          </dl>
+
+        </section>
+      </section>
+
+      <section id="authorization-of-transfer" typeof="bibo:Chapter" resource="#authorization-of-transfer" property="bibo:hasPart">
+        <h4 id="h-authorization-of-transfer" resource="#h-authorization-of-transfer"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.3.3 </span>Authorization of Transfer</span></h4>
+        <p>
+        </p>
+
+        <dl class="dl-horizontal">
+          <dt>Proofs</dt>
+          <dd>Goods and services may be released at different times depending on the type of <a href="#dfn-transaction" class="internalDFN">transaction</a> being performed:
+            <ul>
+                <li>
+Zhang Wei orders 10 large boxes of envelopes from an online shop in
+Tianjin. He uses an escrow service to provide a proof of escrow to the
+online shop in order to get them to initiate the shipment.
+              </li>
+                <li>
+To protect Tibor's privacy when he  <a title="purchase" href="#dfn-purchase" class="internalDFN">purchases</a> candy
+online, the store asks only for Tibor's verified shipping address and a
+proof of payment to send him the chocolates.
+              </li>
+                <li>
+RockinRadio, SmoothSounds, and classicallyClassic are independent, specialized
+music streaming services. They accept proof of <a href="#dfn-purchase" class="internalDFN">purchase</a> from each other
+to provide a track that is in their online streaming catalogue even if it was
+originally bought from another provider.
+              </li>
+            </ul>
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Increased user choice,
+Improved user experience,
+Greater security,
+Regulatory acceptance,
+Innovation,
+Transparency,
+Automatability, and rapid, widespread adoption.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+At times, it is safe to release a good
+when the payment network acknowledges that the funds are on their way. At other
+times, it's not safe to release a good or service until it has been proven that
+the funds are sitting in the <a title="payee" href="#dfn-payee" class="internalDFN">payee's</a> financial
+account.
+          </dd>
+          <dt>Exceptions</dt>
+          <dd>
+If a particular expected proof is not provided, the <a href="#dfn-transaction" class="internalDFN">transaction</a> will most
+likely fail or transition into an alternate path.
+          </dd>
+        </dl>
+
+      </section>
+
+      <section id="completion-of-transfer" typeof="bibo:Chapter" resource="#completion-of-transfer" property="bibo:hasPart">
+        <h4 id="h-completion-of-transfer" resource="#h-completion-of-transfer"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.3.4 </span>Completion of Transfer</span></h4>
+        <p>
+        </p>
+
+        <dl class="dl-horizontal">
+          <dt>Variation of Delay</dt>
+          <dd>When a <a href="#dfn-transaction" class="internalDFN">transaction</a> occurs, the time it takes to transmit and receive
+funds often vary according to the <a href="#dfn-payment-scheme" class="internalDFN">payment scheme</a>:
+            <ul>
+                <li>
+Sophie uses a credit card to buy some gifts for her parents. The shop has
+access to the funds in three days.
+              </li>
+                <li>
+Frank uses an electronic cheque to pay his rent. The rental agency has access
+to the funds in 7 days.
+              </li>
+                <li>
+Felicity has chosen Bitcoin to pay for glasses online. The store
+that sells the glasses has almost guaranteed access to the funds within
+15 minutes.
+              </li>
+                <li>
+Vanessa uses Ripple to <a href="#dfn-purchase" class="internalDFN">purchase</a> a new work outfit in US Dollars.
+Funds in Euros are available to OnlineWorkClothes within a few minutes.
+              </li>
+            </ul>
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Increased user choice,
+Improved user experience,
+Transparency,
+Automatability,
+and rapid, widespread adoption.
+          </dd>
+          <dt>Exceptions</dt>
+          <dd>
+If the funds are sent but never received, then the <a href="#dfn-payee" class="internalDFN">payee</a> will
+select a recourse mechanism that is included in the last <a href="#dfn-transaction" class="internalDFN">transaction</a>
+message.
+          </dd>
+        </dl>
+
+        <section id="non-essential-use-cases-4" typeof="bibo:Chapter" resource="#non-essential-use-cases-4" property="bibo:hasPart">
+          <h5 id="h-non-essential-use-cases-4" resource="#h-non-essential-use-cases-4"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.3.4.1 </span>Non-essential Use Cases</span></h5>
+          <dl class="dl-horizontal">
+            <dt>Notifications</dt>
+            <dd>
+Gavin sends an electronic cheque to WaveMart. WaveMart receives a notification
+that payment has been initiated almost immediately. Four days later, WaveMart
+receives a notification from their bank that payment has been received.
+            </dd>
+            <dt>Goals</dt>
+            <dd>
+Innovation,
+Automatability,
+and rapid, widespread adoption.
+            </dd>
+            <dt>Motivation</dt>
+            <dd>
+It is difficult for an organization to know when a payment has been received
+without depending on proprietary software.
+            </dd>
+            <dt>Exceptions</dt>
+            <dd>
+It may also be important to be notified when a payment that was initiated
+has not been received, or when a payment has been reversed after it had been
+received.
+            </dd>
+          </dl>
+        </section>
+      </section>
+
+    </section>
+
+    <section id="delivery-of-product-receipt-and-refunds-2" typeof="bibo:Chapter" resource="#delivery-of-product-receipt-and-refunds-2" property="bibo:hasPart">
+      <h3 id="h-delivery-of-product-receipt-and-refunds-2" resource="#h-delivery-of-product-receipt-and-refunds-2"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.4 </span>Delivery of Product/Receipt and Refunds</span></h3>
+      <section id="delivery-of-product" typeof="bibo:Chapter" resource="#delivery-of-product" property="bibo:hasPart">
+        <h4 id="h-delivery-of-product" resource="#h-delivery-of-product"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.4.1 </span>Delivery of Product</span></h4>
+        <p>
+        </p>
+
+        <dl 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.
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+rapid, widespread adoption.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+The <a href="#dfn-purchase" class="internalDFN">purchase</a> and delivery of physical goods via an online marketplace
+is one of the cornerstones of online commerce.
+          </dd>
+        </dl>
+
+        <dl class="dl-horizontal">
+          <dt>Virtual Goods</dt>
+          <dd>
+When Lilith buys music from a band at MusicBox and then goes to their
+Web site to download additional content, no registration is required, just a
+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>Goals</dt>
+          <dd>
+Improved user experience,
+Greater security,
+Minimal standardization,
+Innovation,
+Automatability,
+Portability, and
+Monetization.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+Delivery of product can happen on any site that accepts a proof of purchase
+that contains a recognized product identifier.
+          </dd>
+        </dl>
+
+      </section>
+
+      <section id="delivery-of-receipt" typeof="bibo:Chapter" resource="#delivery-of-receipt" property="bibo:hasPart">
+        <h4 id="h-delivery-of-receipt" resource="#h-delivery-of-receipt"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.4.2 </span>Delivery of Receipt</span></h4>
+        <dl class="dl-horizontal">
+          <dt>Electronic Receipts</dt>
+          <dd>
+George 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 href="#dfn-purchase" class="internalDFN">purchase</a>
+from the gas station is displayed on his phone.
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Improved user experience,
+Greater security,
+Innovation,
+Automatability, and
+Portability.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+Electronic receipts will make it easier to track expenses, prove that
+certain  <a title="purchase" href="#dfn-purchase" class="internalDFN">purchases</a> were made, file tax returns, and
+simplify management of unnecessary paper.
+          </dd>
+          <dt>Privacy / Security</dt>
+          <dd>
+Many merchants want to ensure that receipts are not readable by any party
+between them and their customer.
+          </dd>
+        </dl>
+
+        <dl class="dl-horizontal">
+          <dt>Physical Receipts</dt>
+          <dd>
+Bongani reserves a bus ticket online using his mobile phone. At the bus
+terminal he taps his phone to a kiosk and receives a printed physical receipt
+that he can use on the bus.
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Improved user experience,
+Innovation,
+Portability,
+and rapid, widespread adoption.
+          </dd>
+          <dt>Motivation</dt>
+          <dd>
+There will be a transition period from the use of physical receipts and
+tickets to digital receipts. In some cases, physical receipts may never be
+replaced, so it is important to ensure that digital receipts have a mechanism
+to be transformed to physical receipts.
+          </dd>
+          <dt>Privacy / Security</dt>
+          <dd>
+Physical receipts should ensure that private information is not exposed on
+the receipt.
+          </dd>
+          <dt>Accessibility</dt>
+          <dd>
+Implementations should ensure that people who have visual disabilities have
+options such as Braille output for physical receipts alongside high-contrast /
+large print lettering.
+          </dd>
+        </dl>
+
+      </section>
+      <section id="refunds" typeof="bibo:Chapter" resource="#refunds" property="bibo:hasPart">
+        <h4 id="h-refunds" resource="#h-refunds"><span property="xhv:role" resource="xhv:heading"><span class="secno">6.4.3 </span>Refunds</span></h4>
+        <dl class="dl-horizontal">
+          <dt>Common Refunds</dt>
+          <dd>
+At times, it becomes necessary to refund a <a title="payer" href="#dfn-payer" class="internalDFN">payer's</a>
+payment:
+            <ul>
+              <li>
+Pele buys a slice of pizza with a credit card at a local restaurant
+and is accidentally charged for five slices of pizza. He notices the
+mistake after he pays and requests a refund, which the restaurant
+manager approves. The overcharged funds are returned to his account.
+              </li>
+              <li>
+Teo claims that a blender they 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>
+              <li>
+<span class="issue">Should we include a scenario where the refund is to a
+different payment scheme, e.g., cash?</span>
+              </li>
+              <li>
+A financial crimes regulator identifies a criminal syndicate that is
+operating via a number of fake identities. The fake identities are flagged
+and an electronic message is sent to all
+<a title="payment processor" href="#dfn-payment-processor" class="internalDFN">payment processors</a> to reverse all
+payments sent to the fake identities.
+              </li>
+            </ul>
+          </dd>
+          <dt>Goals</dt>
+          <dd>
+Improved user experience,
+Greater security,
+Regulatory acceptance,
+Innovation,
+Automatability,
+Portability,
+and rapid, widespread adoption.
+          </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
+cases, it is helpful to be able to reverse the <a href="#dfn-transaction" class="internalDFN">transaction</a> and provide
+a refund to the customer.
+          </dd>
+        </dl>
+
+      </section>
+
+    </section>
+  </section>
+
+  <section id="additional-examples-of-the-payment-phases" typeof="bibo:Chapter" resource="#additional-examples-of-the-payment-phases" property="bibo:hasPart">
+    <!--OddPage--><h2 id="additional-examples" resource="#additional-examples"><span property="xhv:role" resource="xhv:heading"><span class="secno">7. </span>Additional Examples of the Payment Phases</span></h2>
+    <p>
+Early in the document we provide an
+<a href="#a-simple-example-of-the-payment-phases">example of the payment
+phases</a>. In this appendix we provide further examples to
+illustrate the phase steps.
+    </p>
+
+    <div class="issue"><div class="issue-title" aria-level="3" role="heading" id="h-issue5"><span>Issue 5</span></div><p class="">
+Input is requested from experts at each organization providing services
+mentioned below as well as engineers and designers of technologies used below.
+Specifically, if the payment flows outlined below contain errors or omissions
+the group would like to be to ensure that the oversight is corrected as soon
+as possible.
+    </p></div>
+
+    <section id="credit-card-payment-visa-mastercard" typeof="bibo:Chapter" resource="#credit-card-payment-visa-mastercard" property="bibo:hasPart">
+      <h3 id="h-credit-card-payment-visa-mastercard" resource="#h-credit-card-payment-visa-mastercard"><span property="xhv:role" resource="xhv:heading"><span class="secno">7.1 </span>Credit Card Payment (Visa, MasterCard)</span></h3>
+      <p>
+This scenario outlines a typical card purchase using the 4 corner model.
+Janet is buying an handbag online from a resale shop.
+      </p>
+
+      <section class="notoc" typeof="bibo:Chapter" resource="#negotiation-of-purchase-terms-1" property="bibo:hasPart">
+        <h4 id="negotiation-of-purchase-terms-1" resource="#negotiation-of-purchase-terms-1"><span property="xhv:role" resource="xhv:heading">Negotiation of Purchase Terms</span></h4>
+        <ul>
+          <li>
+<strong>Discovery of Offer</strong>: Janet searches her favorite resale shop
+online to discover a gently used purse that she has always wanted.
+          </li>
+          <li>
+<strong>Agreement on Terms</strong>: Janet selects the purse and puts it into
+the shopping cart before others have a chance to buy it. She agrees with the
+shipping terms and adds an extended warranty for the product.
+          </li>
+          <li>
+<strong>Application of Marketing Elements</strong>: At the time of reviewing
+the shopping cart, she is asked if she would like the scarf which goes with
+the purse.
+          </li>
+        </ul>
+      </section>
+
+      <section class="notoc" typeof="bibo:Chapter" resource="#negotiation-of-payment-instruments-3" property="bibo:hasPart">
+        <h4 id="negotiation-of-payment-instruments-3" resource="#negotiation-of-payment-instruments-3"><span property="xhv:role" resource="xhv:heading">Negotiation of Payment Instruments</span></h4>
+        <ul>
+          <li>
+<strong>Discovery of Accepted Schemes</strong>: The site takes
+Discover, MasterCard, Visa, and debit cards along with secured money order,
+Bitcoin, Google Wallet, and ApplePay.
+          </li>
+
+          <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.
+          </li>
+
+          <li>
+<strong>Authentication to Access Instruments</strong>: The merchant asks Janet
+for her zip code and the verification code on the back of the card.
+          </li>
+        </ul>
+      </section>
+
+      <section class="notoc" typeof="bibo:Chapter" resource="#payment-processing-3" property="bibo:hasPart">
+        <h4 id="payment-processing-3" resource="#payment-processing-3"><span property="xhv:role" resource="xhv:heading">Payment Processing</span></h4>
+        <ul>
+          <li>
+<strong>Initiation of Processing</strong>: The merchant initiates an
+payment authorization request to their <a href="#dfn-payment-processor" class="internalDFN">payment processor</a>.
+          </li>
+          <li>
+<strong>Verification of Available Funds</strong>: The payment authorization
+request is successful and the <a href="#dfn-payment-processor" class="internalDFN">payment processor</a> sends a response to the
+merchant acknowledging that the funds are now held until the merchant
+finalizes the payment.
+          </li>
+          <li>
+<strong>Authorization of Transfer</strong>: After the merchant has packed
+the bag for shipping, the merchant sends a message back to the
+<a href="#dfn-payment-processor" class="internalDFN">payment processor</a> to finalize the payment.
+          </li>
+          <li>
+<strong>Completion of Transfer</strong>: The funds are immediately deducted from
+Janet's line of credit. The funds take 3 days to be transferred to the
+merchant's bank account.
+          </li>
+        </ul>
+      </section>
+
+      <section class="notoc" typeof="bibo:Chapter" resource="#delivery-of-product-receipt-and-refunds-3" property="bibo:hasPart">
+        <h4 id="delivery-of-product-receipt-and-refunds-3" resource="#delivery-of-product-receipt-and-refunds-3"><span property="xhv:role" resource="xhv:heading">Delivery of Product/Receipt and Refunds</span></h4>
+        <ul>
+          <li>
+<strong>Delivery of Receipt</strong>: The seller sends her a digital receipt,
+which she receives by email and directly to her digital wallet. Her
+digital wallet forwards the receipt to her budgeting software. The digital
+wallet forwards the tracking number embedded in the digital receipt to
+her MyUPS Shipping Tracker mobile application.
+          </li>
+
+          <li>
+<strong>Delivery of Product</strong>: The merchant's shipping department packs
+and delivers the bag to the shipper, which then sends it to Janet.
+          </li>
+        </ul>
+      </section>
+    </section>
+
+    <section id="tokenized-payments-applepay-venmo-cybersource" typeof="bibo:Chapter" resource="#tokenized-payments-applepay-venmo-cybersource" property="bibo:hasPart">
+      <h3 id="h-tokenized-payments-applepay-venmo-cybersource" resource="#h-tokenized-payments-applepay-venmo-cybersource"><span property="xhv:role" resource="xhv:heading"><span class="secno">7.2 </span>Tokenized Payments (ApplePay / Venmo / CyberSource)</span></h3>
+      <p>
+The following scenario outlines payment using a mobile device and
+tokenization. The merchant has provided a mobile application that
+customers can download in the example below. This example may apply to
+various tokenization payment systems now in use, such as ApplePay,
+CyberSource, Venmo, Square, etc.
+      </p>
+
+      <section class="notoc" typeof="bibo:Chapter" resource="#negotiation-of-purchase-terms-2" property="bibo:hasPart">
+        <h4 id="negotiation-of-purchase-terms-2" resource="#negotiation-of-purchase-terms-2"><span property="xhv:role" resource="xhv:heading">Negotiation of Purchase Terms</span></h4>
+        <ul>
+          <li>
+<strong>Discovery of Offer</strong>: Tom uses the Terrific-Tools mobile
+app to select a new ax to purchase and finds a hickory handled model like the
+one his father had.
+          </li>
+
+          <li>
+<strong>Agreement on Terms</strong>: Tom selects the ax, which is in the
+price range he wanted.
+          </li>
+
+          <li>
+<strong>Application of Marketing Elements</strong>: <em>Not applicable to
+this particular use case.</em>
+          </li>
+        </ul>
+      </section>
+
+      <section class="notoc" typeof="bibo:Chapter" resource="#negotiation-of-payment-instruments-4" property="bibo:hasPart">
+        <h4 id="negotiation-of-payment-instruments-4" resource="#negotiation-of-payment-instruments-4"><span property="xhv:role" resource="xhv:heading">Negotiation of Payment Instruments</span></h4>
+        <ul>
+          <li>
+<strong>Discovery of Accepted Schemes</strong>: The mobile app uses
+tokenized <a title="payment instrument" href="#dfn-payment-instrument" class="internalDFN">payment instruments</a> and the
+Terrific-Tools Application displays the options available.
+          </li>
+
+          <li>
+<strong>Selection of Payment Instruments</strong>: Tom chooses to pay
+with his tokenization-enabled MasterCard.
+          </li>
+
+          <li>
+<strong>Authentication to Access Instruments</strong>: Tom uses the
+fingerprint recognition feature of his device to authenticate his payment.
+          </li>
+        </ul>
+      </section>
+
+      <section class="notoc" typeof="bibo:Chapter" resource="#payment-processing-4" property="bibo:hasPart">
+        <h4 id="payment-processing-4" resource="#payment-processing-4"><span property="xhv:role" resource="xhv:heading">Payment Processing</span></h4>
+        <ul>
+          <li>
+<strong>Initiation of Processing</strong>: The mobile app creates an
+encrypted transaction and sends it to the payment processor. The payment
+processor decrypts the information and processes the transaction.
+          </li>
+          <li>
+<strong>Verification of Available Funds</strong>: <em>Not applicable to
+this particular use case.</em>
+          </li>
+          <li>
+<strong>Authorization of Transfer</strong>: The payment processor
+responds back to the mobile app with an approval.
+          </li>
+          <li>
+<strong>Completion of Transfer</strong>: The payment processor sends a
+transaction receipt to Terrific-Tools.
+          </li>
+        </ul>
+      </section>
+
+      <section class="notoc" typeof="bibo:Chapter" resource="#delivery-of-product-receipt-and-refunds-4" property="bibo:hasPart">
+        <h4 id="delivery-of-product-receipt-and-refunds-4" resource="#delivery-of-product-receipt-and-refunds-4"><span property="xhv:role" resource="xhv:heading">Delivery of Product/Receipt and Refunds</span></h4>
+        <ul>
+          <li>
+<strong>Delivery of Receipt</strong>: Terrific-Tools sends a transaction
+receipt to the mobile app.
+          </li>
+
+          <li>
+<strong>Delivery of Product</strong>: Terrific-Tools, Inc. ships the ax to Tom.
+          </li>
+        </ul>
+      </section>
+    </section>
+
+    <section id="three-corner-model-payments-paypal-alipay-google-wallet" typeof="bibo:Chapter" resource="#three-corner-model-payments-paypal-alipay-google-wallet" property="bibo:hasPart">
+      <h3 id="h-three-corner-model-payments-paypal-alipay-google-wallet" resource="#h-three-corner-model-payments-paypal-alipay-google-wallet"><span property="xhv:role" resource="xhv:heading"><span class="secno">7.3 </span>Three Corner Model Payments (PayPal / Alipay / Google Wallet)</span></h3>
+      <p>
+The following scenario outlines an ideal payment experience using a
+<a href="#dfn-payer" class="internalDFN">payer</a>-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>
+
+      <section class="notoc" typeof="bibo:Chapter" resource="#negotiation-of-purchase-terms-3" property="bibo:hasPart">
+        <h4 id="negotiation-of-purchase-terms-3" resource="#negotiation-of-purchase-terms-3"><span property="xhv:role" resource="xhv:heading">Negotiation of Purchase Terms</span></h4>
+        <ul>
+          <li>
+<strong>Discovery of Offer</strong>: Anna searches for a flight on
+the booking website. She finds a flight for the ideal price and time.
+          </li>
+
+          <li>
+<strong>Agreement on Terms</strong>: Anna selects the flight and agrees to the
+terms and service associated with the ticket.
+          </li>
+
+          <li>
+<strong>Application of Marketing Elements</strong>: <em>Not applicable to
+this particular use case.</em>
+          </li>
+        </ul>
+      </section>
+
+      <section class="notoc" typeof="bibo:Chapter" resource="#negotiation-of-payment-instruments-5" property="bibo:hasPart">
+        <h4 id="negotiation-of-payment-instruments-5" resource="#negotiation-of-payment-instruments-5"><span property="xhv:role" resource="xhv:heading">Negotiation of Payment Instruments</span></h4>
+        <ul>
+          <li>
+<strong>Discovery of Accepted Schemes</strong>: The booking website takes
+Alipay, Visa, MasterCard, and China UnionPay for payment.
+          </li>
+
+          <li>
+<strong>Selection of Payment Instruments</strong>: Anna chooses Alipay for
+payment.
+          </li>
+
+          <li>
+<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.
+          </li>
+        </ul>
+      </section>
+
+      <section class="notoc" typeof="bibo:Chapter" resource="#payment-processing-5" property="bibo:hasPart">
+        <h4 id="payment-processing-5" resource="#payment-processing-5"><span property="xhv:role" resource="xhv:heading">Payment Processing</span></h4>
+        <ul>
+          <li>
+<strong>Initiation of Processing</strong>: Anna's Alipay wallet initiates
+the <a href="#dfn-transaction" class="internalDFN">transaction</a>.
+          </li>
+          <li>
+<strong>Verification of Available Funds</strong>: <em>Not applicable to
+this particular use case.</em>
+          </li>
+          <li>
+<strong>Authorization of Transfer</strong>: Alipay initiates the payment to
+the booking website based on Anna's prior fingerprint-based authorization.
+          </li>
+          <li>
+<strong>Completion of Transfer</strong>: The booking website gets a message
+from Alipay that the transfer is complete.
+          </li>
+        </ul>
+      </section>
+
+      <section class="notoc" typeof="bibo:Chapter" resource="#delivery-of-product-receipt-and-refunds-5" property="bibo:hasPart">
+        <h4 id="delivery-of-product-receipt-and-refunds-5" resource="#delivery-of-product-receipt-and-refunds-5"><span property="xhv:role" resource="xhv:heading">Delivery of Product/Receipt and Refunds</span></h4>
+        <ul>
+          <li>
+<strong>Delivery of Receipt</strong>: The booking website sees that Anna's
+airline ticket order has been paid and sends a receipt message to her
+digital wallet.
+          </li>
+
+          <li>
+<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.
+          </li>
+        </ul>
+      </section>
+    </section>
+
+    <section id="cryptocurrency-payment-bitcoin-ripple" typeof="bibo:Chapter" resource="#cryptocurrency-payment-bitcoin-ripple" property="bibo:hasPart">
+      <h3 id="h-cryptocurrency-payment-bitcoin-ripple" resource="#h-cryptocurrency-payment-bitcoin-ripple"><span property="xhv:role" resource="xhv:heading"><span class="secno">7.4 </span>Cryptocurrency Payment (Bitcoin, Ripple)</span></h3>
+      <p>
+The following scenario outlines an ideal payment experience using Bitcoin, or a
+Bitcoin-like cryptocurrency. In this scenario, Lenne is buying a pair of
+alpaca socks from an online retailer using a "buy one, get one free" coupon.
+The socks are shipped to her home address.
+      </p>
+
+      <section class="notoc" typeof="bibo:Chapter" resource="#negotiation-of-purchase-terms-4" property="bibo:hasPart">
+        <h4 id="negotiation-of-purchase-terms-4" resource="#negotiation-of-purchase-terms-4"><span property="xhv:role" resource="xhv:heading">Negotiation of Purchase Terms</span></h4>
+        <ul>
+          <li>
+<strong>Discovery of Offer</strong>: Lenne searches for "warm socks,
+locally sourced" in her favorite search engine. A pair of Alpaca socks come up
+as the first hit as the Alpaca's are nearby where she lives and the online
+store (AlpacaToesCo) provides local delivery. She has a coupon in her
+digital wallet for the store, but forgot long ago that it is there.
+          </li>
+
+          <li>
+<strong>Agreement on Terms</strong>: Lenne goes to AlpacaToesCo and puts the
+socks in her online shopping cart and is shown the price. Lenne provides her
+shipping address to AlpacaToes.
+          </li>
+
+          <li>
+<strong>Application of Marketing Elements</strong>: When Lenne puts the socks
+in her online shopping cart, she's reminded of the "buy one, get one free"
+coupon she has in her wallet. She adds another pair of socks and continues
+with the checkout process.
+          </li>
+        </ul>
+      </section>
+
+      <section class="notoc" typeof="bibo:Chapter" resource="#negotiation-of-payment-instruments-6" property="bibo:hasPart">
+        <h4 id="negotiation-of-payment-instruments-6" resource="#negotiation-of-payment-instruments-6"><span property="xhv:role" resource="xhv:heading">Negotiation of Payment Instruments</span></h4>
+        <ul>
+          <li>
+<strong>Discovery of Accepted Schemes</strong>: The website takes Visa,
+Ripple, and Bitcoin for payment.
+          </li>
+
+          <li>
+<strong>Selection of Payment Instruments</strong>: Lenne has a Visa card
+as well as a local Ripple wallet and a cloud-based Bitcoin wallet. Lenne
+selects her cloud-based Bitcoin wallet.
+          </li>
+
+          <li>
+<strong>Authentication to Access Instruments</strong>: Since the value of the
+payment is less than $50, Lenne isn't asked for her two-factor authentication
+device to approve the <a href="#dfn-purchase" class="internalDFN">purchase</a>.
+          </li>
+        </ul>
+      </section>
+
+      <section class="notoc" typeof="bibo:Chapter" resource="#payment-processing-6" property="bibo:hasPart">
+        <h4 id="payment-processing-6" resource="#payment-processing-6"><span property="xhv:role" resource="xhv:heading">Payment Processing</span></h4>
+        <ul>
+          <li>
+<strong>Initiation of Processing</strong>: Lenne's cloud-based Bitcoin wallet
+provider initiates the <a href="#dfn-transaction" class="internalDFN">transaction</a>.
+          </li>
+          <li>
+<strong>Verification of Available Funds</strong>: <em>Not applicable to
+this particular use case.</em>
+          </li>
+          <li>
+<strong>Authorization of Transfer</strong>: AlpacaToesCo is sent a message
+from the Bitcoin cloud wallet notifying them that the transfer has been
+initiated. Lenne is told that she will receive a notification when the
+item is shipped.
+          </li>
+          <li>
+<strong>Completion of Transfer</strong>: AlpacaToesCo gets a message from the
+Bitcoin cloud wallet that the transfer is complete. A Bitcoin
+<a href="#dfn-transaction" class="internalDFN">transaction</a> ID is included in the message so that AlpacaToesCo can
+release the product when the appropriate number of verifications are made on
+the <a href="#dfn-transaction" class="internalDFN">transaction</a>.
+          </li>
+        </ul>
+      </section>
+
+      <section class="notoc" typeof="bibo:Chapter" resource="#delivery-of-product-receipt-and-refunds-6" property="bibo:hasPart">
+        <h4 id="delivery-of-product-receipt-and-refunds-6" resource="#delivery-of-product-receipt-and-refunds-6"><span property="xhv:role" resource="xhv:heading">Delivery of Product/Receipt and Refunds</span></h4>
+        <ul>
+          <li>
+<strong>Delivery of Receipt</strong>: AlpacaToesCo sees 6 verifications on the
+transaction in the Bitcoin blockchain and sends a receipt of sale to Lenne's
+cloud wallet. The store notifies Lenne that they have shipped her package.
+          </li>
+
+          <li>
+<strong>Delivery of Product</strong>: AlpacaToesCo ships the package of socks
+to Lenne and she receives them the next day.
+          </li>
+        </ul>
+      </section>
+    </section>
+
+    <section id="electronic-cheque-payment" typeof="bibo:Chapter" resource="#electronic-cheque-payment" property="bibo:hasPart">
+      <h3 id="h-electronic-cheque-payment" resource="#h-electronic-cheque-payment"><span property="xhv:role" resource="xhv:heading"><span class="secno">7.5 </span>Electronic Cheque Payment</span></h3>
+      <p><em>To be completed</em>.</p>
+    </section>
+
+    <section id="credit-transfer-direct-debit" typeof="bibo:Chapter" resource="#credit-transfer-direct-debit" property="bibo:hasPart">
+      <h3 id="h-credit-transfer-direct-debit" resource="#h-credit-transfer-direct-debit"><span property="xhv:role" resource="xhv:heading"><span class="secno">7.6 </span>Credit Transfer / Direct Debit</span></h3>
+      <p><em>To be completed</em>.</p>
+    </section>
+
+  </section>
+
+  <section class="appendix" id="future-work" typeof="bibo:Chapter" resource="#future-work" property="bibo:hasPart">
+    <!--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>
+    </ul>
+
+  </section>
+
+  <section class="appendix" id="acknowledgements" typeof="bibo:Chapter" resource="#acknowledgements" property="bibo:hasPart">
+    <!--OddPage--><h2 id="h-acknowledgements" resource="#h-acknowledgements"><span property="xhv:role" resource="xhv:heading"><span class="secno">B. </span>Acknowledgements</span></h2>
+    <p>
+The editors wish to thank the participants of the
+<a href="http://www.w3.org/Payments/IG/">Web Payments Interest Group</a>
+for discussions about and contributions to this document, as well as the
+<a href="https://www.w3.org/community/webpayments/">Web Payments Community
+Group</a> for earlier work that informed this document.
+    </p>
+  </section>
+
+  
+
+<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>
\ No newline at end of file
--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
+++ b/latest/glossary/index.html	Wed May 06 21:40:48 2015 +0200
@@ -0,0 +1,60 @@
+<dl>
+  <dt><tdef>entity</tdef></dt>
+  <dd>
+A person, organization, or software agent that is capable of interacting with
+the world.
+  </dd>
+  <dt><tdef>payer</tdef></dt>
+  <dd>
+An <tref>entity</tref> that provides a source of funds as required by a
+<tref>transaction</tref>.
+  </dd>
+  <dt><tdef>payee</tdef></dt>
+  <dd>
+An <tref>entity</tref> that receives funds as required by a
+<tref>transaction</tref>.
+  </dd>
+  <dt><tdef>merchant</tdef></dt>
+  <dd>
+An <tref>entity</tref> receiving payment for goods, services, or other things
+of value; abstractly known as a <tref>payee</tref>.
+  </dd>
+  <dt><tdef>customer</tdef></dt>
+  <dd>
+An <tref>entity</tref> paying to receive goods, services, or other things
+of value; abstractly known as a <tref>payer</tref>.
+  </dd>
+  <dt><tdef>transaction</tdef></dt>
+  <dd>
+An instance of an exchange of value such as buying or selling something.
+  </dd>
+  <dt><tdef>payment scheme</tdef></dt>
+  <dd>
+Sets of rules and technical standards for the execution of payment transactions
+that have to be followed by adhering entities
+(<tref title="payment processor">payment processors</tref>,
+<tref title="payer">payers</tref> and <tref title="payee">payees</tref>).
+  </dd>
+  <dt><tdef>payment instrument</tdef></dt>
+  <dd>
+A mechanism used to transfer value from a <tref>payer</tref> to a
+<tref>payee</tref>.
+  </dd>
+  <dt><tdef>payment processor</tdef></dt>
+  <dd>
+Submits and processes payments using a particular
+<tref>payment instrument</tref> to a payment network.
+  </dd>
+  <dt><tdef>credential</tdef></dt>
+  <dd>
+A qualification, achievement, personal quality, aspect of an
+<tref>entity</tref>'s background, or verifiable statement by an entity about
+another entity.
+  </dd>
+  <dt><tdef>payment agent</tdef></dt>
+  <dd>
+A piece of software operating on an <tref title="entity">entity's</tref>
+behalf that is capable of executing
+<tref title="transaction">transactions</tref>.
+  </dd>
+</dl>
--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
+++ b/latest/manifesto/index.html	Wed May 06 21:40:48 2015 +0200
@@ -0,0 +1,328 @@
+<!DOCTYPE html>
+<html>
+  <head>
+    <title>The Value Web Manifesto</title>
+    <meta http-equiv='Content-Type' content='text/html;charset=utf-8'/>
+    <script src='http://www.w3.org/Tools/respec/respec-w3c-common' class='remove'></script>
+    <script class='remove'>
+      var respecConfig = {
+          // specification status (e.g. WD, LCWD, NOTE, etc.). If in doubt use ED.
+          specStatus:           "ED",
+
+          // the specification's short name, as in http://www.w3.org/TR/short-name/
+          shortName:            "value-web-manifesto",
+
+          // if you wish the publication date to be other than today, set this
+          //publishDate:  "2015-04-16",
+
+          // if there is a previously published draft, uncomment this and set its YYYY-MM-DD date
+          // and its maturity status
+          // previousPublishDate:  "1977-03-15",
+          // previousMaturity:  "CG-DRAFT",
+
+          // if there a publicly available Editor's Draft, this is the link
+          edDraftURI: "http://w3c.github.io/webpayments-ig/latest/manifesto/index.html",
+
+          // if this is a LCWD, uncomment and set the end of its review period
+          // lcEnd: "2009-08-05",
+
+          // if you want to have extra CSS, append them to this list
+          // it is recommended that the respec.css stylesheet be kept
+          //extraCSS:             [],
+
+          // editors, add as many as you like
+          // only "name" is required
+          editors:  [
+              { name: "Adrian Hope-Bailie", url: "http://medium.com/@ahopebailie",
+                company: "Ripple Labs", companyURL: "http://www.ripplelabs.com/" }
+          ],
+
+          // authors, add as many as you like.
+          // This is optional, uncomment if you have authors as well as editors.
+          // only "name" is required. Same format as editors.
+
+          authors:  [
+              { name: "Adrian Hope-Bailie", url: "http://medium.com/@ahopebailie",
+                company: "Ripple Labs", companyURL: "http://www.ripplelabs.com/" },
+              { name: "Ian Jacobs", url: "http://www.w3.org/People/Jacobs/",
+                company: "W3C", companyURL: "http://www.w3.org/" },
+              { name: "Manu Sporny", url: "https://manu.sporny.org/",
+                company: "Digital Bazaar", companyURL: "http://digitalbazaar.com/" }
+          ],
+
+          otherLinks: [{
+            key: "Version control",
+            data: [{
+              value: "Github Repository",
+              href: "https://github.com/w3c/webpayments-ig"
+            }, {
+              value: "Issues",
+              href: "http://www.w3.org/Payments/IG/track/products/8"
+            }]
+          }],
+
+          // maximum level of table of contents
+          maxTocLevel: 3,
+
+          // name of the WG
+          wg:           "Web Payments Interest Group",
+
+          // URI of the public WG page
+          wgURI:        "http://www.w3.org/Payments/IG/",
+
+          // name of the public mailing to which comments are due
+          wgPublicList: "public-webpayments-ig-comments",
+
+          // URI of the patent status for this WG, for Rec-track documents
+          // !!!! IMPORTANT !!!!
+          // This is important for Rec-track documents, do not copy a patent URI from a random
+          // document unless you know what you're doing. If in doubt ask your friendly neighbourhood
+          // Team Contact.
+          wgPatentURI:  "http://www.w3.org/2004/01/pp-impl/73816/status",
+
+      };
+    </script>
+  </head>
+<body>
+  <section id='abstract'>
+    <p>
+This document is the vision statment of the W3C Web Payents Interest Group.
+It describes a future that the group aspires to in which value exchange 
+is performed easily and securely on the Open Web Platform and provides the
+background to the use cases, goals and architectural vision of the group.
+    </p>
+  </section>
+
+  <section id='sotd'>
+    <p>
+This document is a work in progress and is being released early and often
+using an agile process; it is currently incomplete.
+    </p>
+  </section>
+
+  <section>
+    <h2>Introduction</h2>
+    <p>
+The World Wide Web has had a tremendous global impact, increasing access to 
+information and education. However, this has not yet translated into ubiquitous 
+access to efficient financial systems and the ability to transact with anyone 
+in the world.
+    </p>
+    <p>
+The Web connected fragmented documentation systems with a common set of standards. 
+Today’s systems of value exchange lack a set of common standards, and are 
+still proprietary, disconnected, and opaque.
+    </p>
+    <p>
+This document outlines a vision for the Web where value is exchanged as 
+freely and easily as information. The Web unified varied and disparate 
+closed information networks through open standards and protocols. In the 
+same way, we should the Value Web will create an open and interconnected network 
+of value exchange linking all of the closed networks that exist today.
+    </p>
+    <p>
+Realising this vision would have profound and far reaching economic and social 
+impacts on financial inclusion, development of small businesses, liquidity of 
+markets, and greater velocity and efficiency of money. 
+    </p>
+  </section>
+  <section>
+    <h2>Principles of the Value Web</h2>
+    <p>
+This vision can only be realised through the collaboration of a variety of 
+stakeholders united in their agreement with the following principles:
+    </p>
+    <section>
+      <h3>There are many value networks and there always will be</h3>
+      <p>
+Ownership of anything of value is recorded and tracked within numerous and 
+diverse networks of trust. The changing ownership or transfer of value within 
+those networks is recorded in a ledger of some form or another. These ledgers 
+are maintained by custodians such as...
+      </p>
+      <ul>
+        <li>Commercial and Retail Banks</li>
+        <li>Central banks</li>
+        <li>Clearinghouses</li>
+        <li>Digital wallets</li>
+        <li>Registers of deeds</li>
+        <li>Stock Exchanges</li>
+        <li>Blockchains</li>
+        <li>Patent offices</li>
+      </ul>
+      <p>
+… and many more.
+      </p>
+      <p>
+Greater diversity of custodians, ledgers and assets is a good thing, but without 
+a set of Web standards to connect them, increasing the number and diversity 
+will quickly become unsustainable.
+      </p>
+      <p>
+The world is tending towards increased global trade and interconnectivity. The 
+lack of standards is likely to continue to increase costs and stand in the way 
+of economic progress.      
+      </p>
+    </section>
+    <section>
+      <h3>There are many ways to connect value networks</h3>
+      <p>
+There are numerous and varied methods of moving value between owners, both within 
+the same network and between disparate networks. Each one of these methods has 
+different strengths and weaknesses depending on the scenario.
+      </p>
+      <p>
+Some methods of moving value between owners have higher risks and lower fees.
+      </p>
+      <p>
+[Illustration - Cash]
+      </p>
+      <p>
+Others have lower risks and higher fees.
+      </p>
+      <p>
+[Illustration - Cards]
+      </p>
+      <p>
+The open architecture of the Web enables a rapid pace of innovation which has 
+increasingly resulted in new types of value exchange methods.
+      </p>
+      <p>
+[Illustration - Crypto-currencies]
+      </p>
+      <p>
+This vision embraces all of these existing technologies as well as those that 
+are in active development today.
+      </p>
+    </section>
+    <section>
+      <h3>Value moves as freely as information on the Web</h3>
+      <p>
+The Web increased efficiency and lowered costs of information exchange by many 
+orders of magnitude. These sorts of efficiency gains are possible via the Web 
+for the exchange of value.
+      </p>
+      <p>
+[Illustration - ?]
+      </p>
+    </section>
+    <section>
+      <h3>The Value Web is open and accessible</h3>
+      <p>
+It is a long-standing W3C principal to create a Web that can be used by all people 
+on any device. Nobody is arbitrarily denied access to the Internet of Value.
+      </p>
+      <p>
+[Illustration - diverse users of the Value Web]
+      </p>
+    </section>
+    <section>
+      <h3>The Value Web is built on trust and security</h3>
+      <p>
+Value exchange on the Web is done in an environment of honesty and trust built on 
+secure and resilient systems. It provides tools that allow law-abiding consumers, 
+merchants and financial institutions to have confidence in the individuals and entities 
+with whom they transact, to be free to choose who those individuals and entities are, 
+and to be able to trust that these counterparties are who they claim to be.
+      </p>
+      <p>
+[Illustration - trust/shaking hands, security/lock]
+      </p>
+    </section>
+    <section>
+      <h3>The Value Web is simultaneously private and transparent</h3>
+      <p>
+There is a need for transparency in moving value on a global network between entities 
+that are subject to different legal and regulatory systems in different jurisdictions. 
+However, privacy as a fundamental right of all participants.
+      </p>
+      <p>
+The future of value exchange via the Web offers the transparency required for all 
+participants to operate within the law but ensures that the privacy of participants 
+is always guaranteed, through the use of secure open protocols incorporating end-to-end 
+data protection.
+      </p>
+      <p>
+[Illustration - masked/protected data]
+      </p>
+    </section>
+    <section>
+      <h3>No single entity controls the Value Web</h3>
+      <p>
+The Web is a public good and is not subject to the whims of one group or another. It is 
+distributed, global, and neutral with respect to payment networks, currencies, 
+technologies, service providers, and participating entities.
+      </p>
+      <p>
+[Illustration - distributed system]
+      </p>
+    </section>
+    <section>
+      <h3>The Value Web is built on open standards</h3>
+      <p>
+In order for value networks, settlement systems, and related services to compete on a 
+level playing field, the foundations of value exchange via the Web must be open, transparent, 
+and neutral. Customers, merchants, financial institutions, and governments stand to benefit 
+from a strong foundation built on open standards..
+      </p>
+      <p>
+The Value Web is built on OpenStand’s <a href="http://open-stand.org/about-us/principles/">five 
+principles for modern standards</a> and it’s standards are free to acquire, free to adopt, 
+and not encumbered by patents.
+      </p>
+      <p>
+[Illustration - Open stand logo?]
+      </p>
+    </section>
+    <section>
+      <h3>The Value Web is simple and extensible</h3>
+      <p>
+Today’s financial system is complex and one of the key challenges for the architects of the Web 
+will be to abstract key areas of complexity and create a simple, universal framework that supports 
+existing systems while enabling a smooth transition to more advanced, extensible, and equitable 
+systems.
+      </p>
+      <p>
+Rules and regulations around the world differ widely. By creating an extensible set of standards, 
+the Web enables individuals or entire value networks to work out the details that are relevant 
+to them. This provides institutions with the flexibility to comply with their local regulations 
+and follow their local customs while connecting globally.
+      </p>
+      <p>
+The standards for value exchange on the Web should be clearly documented to lower the barrier to 
+entry for any entity that wishes to integrate with, or extend it.
+      </p>
+      <p>
+[Illustration - developer]
+      </p>
+    </section>
+  </section>
+
+  <section>
+    <h2>Building an Equitable Global Economy via the Web</h2>
+    <p>
+The Web connects three billion people today and will connect at least three billion more by the 
+year 2020. It is ubiquitous and that ubiquity will only grow over the next decade. The Web is the 
+best connector of information systems that exists today, but there is still much work that needs 
+to be done when connecting the economic systems and value networks that span the world over.
+    </p>
+    <p>
+It is our vision to connect the economic systems of the world via the Web using the principles 
+outlined in this document. Doing so will result in an global architecture for value exchange, built 
+openly, secure by design, and accessible to all.
+    </p>
+  </section>
+
+  <section class="appendix">
+    <h2>Acknowledgements</h2>
+    <p>
+The editors wish to thank the participants of the
+<a href="http://www.w3.org/Payments/IG/">Web Payments Interest Group</a>
+for discussions about and contributions to this document, as well as the
+<a href="https://www.w3.org/community/webpayments/">Web Payments Community
+Group</a> for earlier work that informed this document.
+    </p>
+  </section>
+
+  </body>
+</html>
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--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
+++ b/latest/payment-agent/images/model_1B_out_of_band_proof_of_payment.svg	Wed May 06 21:40:48 2015 +0200
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276.00337 C 904.3407 273.57742 904.31864 273.57742 899.8254 273.57742 L 899.8254 273.57742 C 899.8254 268.1723 899.8254 268.14583 897.80376 268.14583" stroke="black" stroke-linecap="round" stroke-linejoin="round" stroke-width="1"/><rect x="873.1115" y="253.16667" width="39.3125" height="39.3125" id="path"/><clipPath id="clip_path"><use xl:href="#path"/></clipPath><g clip-path="url(#clip_path)"><image xl:href="image5.tiff" width="256" height="256" transform="translate(873.1115 253.16667) scale(.15356445)"/></g><text transform="translate(767.43933 58.666667)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x=".48388672" y="9" textLength="30.032227">Legend</tspan></text><path d="M 877.8011 450.2668 L 904.94755 450.2668 L 904.94755 469.26933 L 877.8011 469.26933 Z" stroke="silver" stroke-linecap="round" stroke-linejoin="round" stroke-width="1" stroke-dasharray="4,4"/><rect x="877.4137" y="450.2668" width="15.75" height="6.75" fill="#c6f"/><rect x="877.4137" 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+++ b/latest/payment-agent/images/model_2B_sso_via_payee_site.svg	Wed May 06 21:40:48 2015 +0200
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