--- a/latest/use-cases/index.html Tue Jul 07 22:51:12 2015 -0400
+++ b/latest/use-cases/index.html Tue Jul 07 23:36:52 2015 -0400
@@ -2380,7 +2380,7 @@
<li>
<strong>Authentication to Access Instruments</strong>: Meihui logs in the Alipay
with her account name and password. Meihui is told that she will pay for the
-airline ticket with 3,500 RMB and she confirms it. Meihui uses her fingerprint
+airline ticket with 3,500 RMB and she confirms it. Meihui uses her fingerprint
to approve the payment.
</li>
</ul>
@@ -2533,8 +2533,104 @@
</section>
<section>
- <h3>Credit Transfer / Direct Debit</h3>
- <p><em>To be completed</em>.</p>
+ <h3>Direct Debit</h3>
+ <p>
+The following scenario outlines an ideal payment experience using a
+Direct Debit (<a>payee-initiated payment</a>), also known as a
+<a>pull payment</a> in the context of a <a>four corner model</a> payment.
+In this scenario, Anna is signing up for electricity service via the
+service's website. During the payment process she will validate an electronic
+direct debit mandate.
+ </p>
+
+ <section class="notoc">
+ <h4>Negotiation of Purchase Terms</h4>
+ <ul>
+ <li>
+<strong>Discovery of Offer</strong>: Anna connects to a utility website. She
+wants to setup this new utility immediately before she moves in to a new flat.
+ </li>
+ <li>
+<strong>Agreement on Terms</strong>: Anna selects the contract she wants and
+agrees to the terms and service associated with the delivery of electricity.
+ </li>
+ <li>
+<strong>Application of Marketing Elements</strong>: <em>Not applicable to this
+particular use case.</em>
+ </li>
+ </ul>
+ </section>
+
+ <section class="notoc">
+ <h4>Negotiation of Payment Instruments</h4>
+ <ul>
+ <li>
+<strong>Discovery of Accepted Schemes</strong>: The utility website takes
+Visa, MasterCard, and SEPA Direct Debit for payment.
+ </li>
+ <li>
+<strong>Selection of Payment Instruments</strong>: Anna chooses SEPA Direct
+Debit for payment.
+ </li>
+ <li>
+<strong>Authentication to Access Instruments</strong>: Anna provides
+all the mandatory data required for a valid electronic SEPA Direct Debit
+Mandate as well as the IBAN number associated with Anna's account. Anna is
+told that she is setting up a recurring payment with the utility and the
+payment will be automatically withdrawn at the end of the month based on
+her electricity consumption. She agrees to the automatic transfer by
+entering her secret PIN.
+ </li>
+ </ul>
+ </section>
+
+ <section class="notoc">
+ <h4>Payment Processing</h4>
+ <ul>
+ <li>
+<strong>Initiation of Processing</strong>: At the end of the month the utility
+invoice system will initiate the payment by sending an invoice by email
+that will be sent directly to Anna's payment service provider.
+ </li>
+ <li>
+<strong>Verification of Available Funds</strong>: Not applicable to this
+particular use case.
+ </li>
+ <li>
+<strong>Authorization of Transfer</strong>: Anna's payment service provider
+authorizes the transfer based on the reference ID that was validated by
+Anna during the <strong>Authentication to Access Instruments</strong> phase.
+ </li>
+ <li>
+<strong>Completion of Transfer</strong>: The utility website gets a message
+from its payment service provider that the transfer has been completed.
+ </li>
+ </ul>
+ </section>
+
+ <section class="notoc">
+ <h4>Delivery of Product/Receipt and Refunds</h4>
+ <ul>
+ <li>
+<strong>Delivery of Receipt</strong>: The utility website sees that Anna's
+direct debit mandate has been validated and sends a receipt message to her
+digital wallet.
+ </li>
+ <li>
+<strong>Delivery of Product</strong>: The utility website sends an email to
+Anna with the contract information.
+ </li>
+ <li>
+<strong>Refunds</strong>: Anna could request a refund by contacting her bank
+if something goes wrong with the Direct Debit.
+ </li>
+ </ul>
+ </section>
+ </section>
+
+ <section>
+ <h3>Credit Transfer</h3>
+
</section>
</section>