--- a/latest/use-cases/index.html Thu Jun 25 00:38:27 2015 -0400
+++ b/latest/use-cases/index.html Thu Jun 25 00:38:53 2015 -0400
@@ -309,10 +309,8 @@
</p>
<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."
+Each use case lists which version of the Web Payments architecture is expected
+to include technology to address the use case.
</p>
<p class="note">
@@ -793,12 +791,8 @@
<dd>
Penny uses the HobbyCo website to select a $15 model train for <a>purchase</a>.
</dd>
- <dt>Version</dt>
- <dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Minimal standardization, and rapid, widespread adoption.
- </dd>
+ <dt>Target version</dt>
+ <dd>1.0</dd>
<dt>Motivation</dt>
<dd>
A human being seeing a visual offer of sale on a website is the most common
@@ -813,12 +807,8 @@
all of the items he wants to <a>purchase</a> at the automated kiosk, requests
a cash back amount, and is presented with a total amount.
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Improved user experience, and rapid, widespread adoption.
- </dd>
<dt>Motivation</dt>
<dd>
Unifying point of sale interaction w/ the Web Payments architecture is
@@ -855,13 +845,8 @@
touch their mobile devices to each other. The total appears on Hani's mobile
device.
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Improved user experience, Greater security, Innovation, Automatability, and
-rapid, widespread adoption.
- </dd>
<dt>Motivation</dt>
<dd>
Unifying the way proximity mobile offers work with the Web Payments
@@ -887,12 +872,8 @@
Chaoxiang 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>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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,
@@ -902,217 +883,166 @@
</dd>
</dl>
- <section>
- <h5>Non-Essential Use Cases</h5>
-
- <dl id="uc-email" class="dl-horizontal">
- <dt>E-mail</dt>
- <dd>
+ <dl id="uc-email" class="dl-horizontal">
+ <dt>E-mail</dt>
+ <dd>
A GroupBuyCo customer receives an offer by email to <a>purchase</a> the deal
of the day.
- </dd>
- <dt>Version</dt>
- <dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Improved user experience, and Automatability.
- </dd>
- <dt>Motivation</dt>
- <dd>
+ </dd>
+ <dt>Target version</dt>
+ <dd>Uncategorized</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>
+ </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>
+ </dd>
+ </dl>
- <dl id="uc-hold-funds" class="dl-horizontal">
- <dt>Hold Funds</dt>
- <dd>
+ <dl id="uc-hold-funds" 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>Version</dt>
- <dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Improved user experience, Increased user choice, and rapid, widespread adoption.
- </dd>
- <dt>Motivation</dt>
- <dd>
+ </dd>
+ <dt>Target version</dt>
+ <dd>Uncategorized</dd>
+ <dt>Motivation</dt>
+ <dd>
Some <a title="transaction">transactions</a>, such as a hold of funds,
do not always reach completion and are primarily used
to protect the <a>payee</a> from negligence on the part of the
<a>payer</a> (e.g., such as a <a>payer</a> damaging a hotel room).
- </dd>
- <dt>Exceptions</dt>
- <dd>
+ </dd>
+ <dt>Exceptions</dt>
+ <dd>
Software acting on the <a title="payer">payer's</a> behalf may keep
track of exactly how much money the <a>payer</a> has and not allow them to
process the offer.
- </dd>
- </dl>
+ </dd>
+ </dl>
- <dl id="uc-preauth" class="dl-horizontal">
- <dt>Pre-authorization</dt>
- <dd>
+ <dl id="uc-preauth" class="dl-horizontal">
+ <dt>Pre-authorization</dt>
+ <dd>
Krishna 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. Krishna's car asks if he wants to
approve a fill up for up to €35.
- </dd>
- <dt>Version</dt>
- <dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Improved user experience, Greater security, Innovation, Transparency,
-Automatability, and rapid, widespread adoption.
- </dd>
- <dt>Motivation</dt>
- <dd>
+ </dd>
+ <dt>Target version</dt>
+ <dd>Uncategorized</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>purchase</a> before a particular metered good or service is
delivered.
- </dd>
- <dt>Privacy</dt>
- <dd>
+ </dd>
+ <dt>Privacy</dt>
+ <dd>
Due to the sensitivity of location data, individuals should be able to make
small fuel <a title="purchase">purchases</a> in a way that respects their privacy.
- </dd>
- <dt>Security</dt>
- <dd>
+ </dd>
+ <dt>Security</dt>
+ <dd>
Automated <a title="purchase">purchases</a> (e.g,. by a vehicle) should involve
increased security (e.g., a second factor of authentication).
- </dd>
- </dl>
+ </dd>
+ </dl>
- <dl id="uc-machine-readability" class="dl-horizontal">
- <dt>Machine Readability</dt>
- <dd>
+ <dl id="uc-machine-readability" 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>Version</dt>
- <dd>Uncategorized</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>
+ </dd>
+ <dt>Target version</dt>
+ <dd>Uncategorized</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>
+ </dd>
+ </dl>
- <dl id="uc-live-prices" class="dl-horizontal">
- <dt>Live Market Prices</dt>
- <dd>
+ <dl id="uc-live-prices" 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>Version</dt>
- <dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Increased user choice,
-Improved user experience,
-Innovation,
-Transparency, and
-Automatability
- </dd>
- <dt>Motivation</dt>
- <dd>
+ </dd>
+ <dt>Target version</dt>
+ <dd>Uncategorized</dd>
+ <dt>Motivation</dt>
+ <dd>
The ability to express a non-repudiable offer as the basis of a legally
enforceable contract will reduce <a>transaction</a> friction.
- </dd>
- </dl>
+ </dd>
+ </dl>
- <dl id="uc-trialware" class="dl-horizontal">
- <dt>Trial-ware</dt>
- <dd>
+ <dl id="uc-trialware" 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>Version</dt>
- <dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Improved user experience,
-Monetization,
-and rapid, widespread adoption.
- </dd>
- <dt>Motivation</dt>
- <dd>
+ </dd>
+ <dt>Target version</dt>
+ <dd>Uncategorized</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>
+ </dd>
+ </dl>
- <dl id="uc-vehicle" class="dl-horizontal">
- <dt>In-vehicle</dt>
- <dd>
+ <dl id="uc-vehicle" 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>Version</dt>
- <dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Improved user experience,
-Innovation,
-Monetization,
-and rapid, widespread adoption.
- </dd>
- <dt>Motivation</dt>
- <dd>
+ </dd>
+ <dt>Target version</dt>
+ <dd>Uncategorized</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>
+ </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>
+ </dd>
+ </dl>
- <dl id="uc-memorable-ids" class="dl-horizontal">
- <dt>Memorable Ids</dt>
- <dd>
+ <dl id="uc-memorable-ids" class="dl-horizontal">
+ <dt>Memorable Ids</dt>
+ <dd>
Vern sends money to his friend Milena by typing in Milena's mobile phone number
and the amount he wants to send.
- </dd>
- <dt>Version</dt>
- <dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Improved user experience,
-Innovation,
-Monetization,
-and rapid, widespread adoption.
- </dd>
- <dt>Motivation</dt>
- <dd>
+ </dd>
+ <dt>Target version</dt>
+ <dd>Uncategorized</dd>
+ <dt>Motivation</dt>
+ <dd>
Some countries, like the United Kingdom, maintain registries that map
memorable identifiers like mobile phone numbers to bank accounts. These
memorable payment identifiers can be used to transmit money from person to
person using direct bank to bank transfers.
- </dd>
- </dl>
+ </dd>
+ </dl>
- </section>
</section>
<section>
@@ -1120,6 +1050,78 @@
<p>
</p>
+ <dl id="uc-one-time-payment" class="dl-horizontal">
+ <dt>One-time Payment</dt>
+ <dd>
+Jamie wishes to pay for a single article from a market analyst.
+ </dd>
+ <dt>Target version</dt>
+ <dd>1.0</dd>
+ <dt>Motivation</dt>
+ <dd>It should be clear to a
+<a title="payer">payer</a> whether a
+<a>purchase</a> is one-time or recurring, prior to initiation of
+the payment.
+ </dd>
+ </dl>
+
+ <dl id="uc-registrationless" class="dl-horizontal">
+ <dt>Registration-less</dt>
+ <dd>
+Some <a title="payee">payees</a> would rather not require a <a>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>
+Olaseni 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>Target version</dt>
+ <dd>1.0</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>
+ <dt>Accessibility</dt>
+ <dd>
+People who are on the Autistic spectrum may require trust with the merchant
+to be established through a more formal means to prevent distress and
+abandonment of the transaction.
+ </dd>
+ </dl>
+
+ <dl id="uc-subscription" class="dl-horizontal">
+ <dt>Subscription</dt>
+ <dd>
+Larissa subscribes to a site that provides a monthly analysis of the world
+of finance.
+ </dd>
+ <dt>Target version</dt>
+ <dd>1.0 (if time permits)</dd>
+ <dt>Motivation</dt>
+ <dd>
+<a title="payer">Payers</a> should be able to understand if a
+particular <a>purchase</a> is a recurring payment prior to initiating
+the payment.
+ </dd>
+ </dl>
+
<dl id="uc-credentials" class="dl-horizontal">
<dt>Credentials</dt>
<dd>
@@ -1146,18 +1148,8 @@
</li>
</ul>
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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">purchases</a> that cannot
@@ -1183,12 +1175,8 @@
require Tibor's name, email address, or any other personally identifying
information to complete the <a>transaction</a>.
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Improved user experience, and Greater security.
- </dd>
<dt>Motivation</dt>
<dd>
Certain low-value <a>transaction</a>s shouldn't require the
@@ -1211,12 +1199,8 @@
would like to reduce the amount of information that's transmitted to the
<a>payee</a> while ensuring that PayCo complies with regulations.
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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,
@@ -1227,25 +1211,6 @@
</dd>
</dl>
- <dl id="uc-one-time-payment" class="dl-horizontal">
- <dt>One-time Payment</dt>
- <dd>
-Jamie wishes to pay for a single article from a market analyst.
- </dd>
- <dt>Version</dt>
- <dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Improved user experience
- </dd>
- <dt>Motivation</dt>
- <dd>It should be clear to a
-<a title="payer">payer</a> whether a
-<a>purchase</a> is one-time or recurring, prior to initiation of
-the payment.
- </dd>
- </dl>
-
<dl id="uc-invoices" class="dl-horizontal">
<dt>Invoices</dt>
<dd>
@@ -1253,17 +1218,8 @@
his new pet sitting service. SuperVoices generates a detailed invoice for the
service and provides it to Sunan.
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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">payment schemes</a>, the <a>payer</a>
@@ -1272,103 +1228,25 @@
</dd>
</dl>
- <section>
- <h5>Non-essential Use Cases</h5>
-
- <dl id="uc-subscription" class="dl-horizontal">
- <dt>Subscription</dt>
- <dd>
-Larissa subscribes to a site that provides a monthly analysis of the world
-of finance.
- </dd>
- <dt>Version</dt>
- <dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Improved user experience,
-Transparency, and
-Automatability.
- </dd>
- <dt>Motivation</dt>
- <dd>
-<a title="payer">Payers</a> should be able to understand if a
-particular <a>purchase</a> is a recurring payment prior to initiating
-the payment.
- </dd>
- </dl>
-
- <dl id="uc-registrationless" class="dl-horizontal">
- <dt>Registration-less</dt>
- <dd>
-Some <a title="payee">payees</a> would rather not require a <a>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>
-Olaseni 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>Version</dt>
- <dd>Uncategorized</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>
- <dt>Accessibility</dt>
- <dd>
-People who are on the Autistic spectrum may require trust with the merchant
-to be established through a more formal means to prevent distress and
-abandonment of the transaction.
- </dd>
- </dl>
-
- <dl id="uc-full-disclosure" class="dl-horizontal">
- <dt>Full Disclosure</dt>
- <dd>
+ <dl id="uc-full-disclosure" 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>Version</dt>
- <dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Improved user experience.
- </dd>
- <dt>Motivation</dt>
- <dd>
+ </dd>
+ <dt>Target version</dt>
+ <dd>Uncategorized</dd>
+ <dt>Motivation</dt>
+ <dd>
Some <a>transaction</a>s will require very sensitive personally identifiable
information to be transmitted by the <a>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>
+ </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>
<h4>Application of Marketing Elements</h4>
@@ -1382,12 +1260,8 @@
<a title="purchase">purchases</a>. The offer takes the form of a coupon that
may be applied during payment.
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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
@@ -1403,12 +1277,8 @@
gives him a discount on gas <a title="purchase">purchases</a> performed at the
FoodCo gas station.
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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
@@ -1426,17 +1296,8 @@
a new store credit card is placed in her payment application on her mobile
phone.
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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
@@ -1465,22 +1326,12 @@
A game store Web site accepts payment via credit card, e-cheque, and
operator billing.
</dd>
- <dt>Version</dt>
- <dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Increased user choice,
-Improved user experience,
-Minimal standardization,
-Lower Costs,
-Automatability,
-and rapid, widespread adoption.
- </dd>
+ <dt>Target version</dt>
+ <dd>1.0</dd>
<dt>Motivation</dt>
<dd>
-We have a goal for the Web payment architecture to support existing
-ubiquitous <a title="payment scheme">payment schemes</a> without
-changes to how they operate.
+Ubiquitous <a title="payment scheme">payment schemes</a> should be supported
+without changes to how the schemes or payment instruments operate.
</dd>
</dl>
@@ -1489,17 +1340,8 @@
<dd>
CrowdFundCo supports Bitcoin, Ripple, Google Wallet, and PayPal.
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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
@@ -1522,21 +1364,15 @@
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>purchase</a>.
</dd>
- <dt>Version</dt>
- <dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Increased user choice,
-Improved user experience,
-Automatability,
-Portability,
-and rapid, widespread adoption.
- </dd>
+ <dt>Target version</dt>
+ <dd>1.0</dd>
<dt>Motivation</dt>
<dd>
A <a>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.
+<span class="issue">The amount of wallet/payment instrument discovery
+flexibility that version 1.0 should support is currently unknown.</span>
</dd>
<dt>Accessibility</dt>
<dd>
@@ -1552,6 +1388,39 @@
</dd>
</dl>
+ <dl id="uc-payer-privacy" 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">payment instruments</a> she uses with any
+merchants, so that information is not shared with any online merchants.
+ </li>
+ </ul>
+ </dd>
+ <dt>Target version</dt>
+ <dd>1.0</dd>
+ <dt>Motivation</dt>
+ <dd>
+Sharing or protecting data on the sorts of
+<a title="payment instrument">payment instruments</a> available to
+a <a>payer</a> should be a decision made by the <a>payer</a>.
+ </dd>
+ <dt>Privacy / Security</dt>
+ <dd>
+The types of <a title="payment instrument">payment instruments</a> available
+to a <a>payer</a> could be
+used to digitally fingerprint a <a>payer</a> even if they were using an
+pseudo-anonymous payment mechanism. Merchants and <a>payee</a>s may be legally
+obligated to protect this kind of <a>payer</a> payment information.
+ </dd>
+ </dl>
+
<dl id="uc-manual-selection" class="dl-horizontal">
<dt>Manual Selection</dt>
<dd>In many cases, the <a>payer</a> will select a payment instrument manually:
@@ -1583,17 +1452,8 @@
</li>
</ul>
</dd>
- <dt>Version</dt>
- <dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Increased user choice,
-Improved user experience,
-Innovation,
-Transparency,
-Portability,
-and rapid, widespread adoption.
- </dd>
+ <dt>Target version</dt>
+ <dd>1.0</dd>
<dt>Motivation</dt>
<dd>
There are scenarios, such as the first interaction/use of a payment instrument,
@@ -1631,64 +1491,14 @@
</li>
</ul>
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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 id="uc-payer-privacy" 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">payment instruments</a> she uses with any
-merchants, so that information is not shared with any online merchants.
- </li>
- </ul>
- </dd>
- <dt>Version</dt>
- <dd>Uncategorized</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">payment instruments</a> available to
-a <a>payer</a> should be a decision made by the <a>payer</a>.
- </dd>
- <dt>Privacy / Security</dt>
- <dd>
-The types of <a title="payment instrument">payment instruments</a> available
-to a <a>payer</a> could be
-used to digitally fingerprint a <a>payer</a> even if they were using an
-pseudo-anonymous payment mechanism. Merchants and <a>payee</a>s may be legally
-obligated to protect this kind of <a>payer</a> payment information.
- </dd>
- </dl>
-
</section>
<section>
@@ -1702,13 +1512,8 @@
When Suresh attempts to pay online, he is asked for a username and password
by his payment service provider before the payment is approved.
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Minimal standardization,
-and rapid, widespread adoption.
- </dd>
<dt>Motivation</dt>
<dd>
The most common mechanism for protecting access to payment instruments on the
@@ -1747,18 +1552,8 @@
</li>
</ul>
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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
@@ -1779,12 +1574,8 @@
PayCo must ensure that their customers do not appear on any regulatory
blacklists when performing <a>transaction</a>s above a certain monetary amount.
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Regulatory acceptance, and Automatability.
- </dd>
<dt>Motivation</dt>
<dd>
Easing compliance with Know Your Customer (KYC) and
@@ -1798,8 +1589,6 @@
</dd>
</dl>
- <section>
- <h5>Non-essential Use Cases</h5>
<dl id="uc-biometric" class="dl-horizontal">
<dt>Biometric</dt>
<dd>
@@ -1822,18 +1611,8 @@
</li>
</ul>
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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
@@ -1878,14 +1657,8 @@
by an access control list as well as limits on the amount that each
employee can spend without authorization by management.
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Improved user experience,
-Greater security, and
-Regulatory acceptance.
- </dd>
<dt>Motivation</dt>
<dd>
There are many types of accounts that are accessed via different payment
@@ -1893,8 +1666,6 @@
are typically protected by one or more sets of authorization rules.
</dd>
</dl>
- </section>
-
</section>
</section>
@@ -1936,12 +1707,8 @@
</li>
</ul>
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Automatability, and rapid, widespread adoption.
- </dd>
<dt>Motivation</dt>
<dd>
Payee-initiated payments, also known as "pull payments" or
@@ -1979,15 +1746,8 @@
</li>
</ul>
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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",
@@ -2012,12 +1772,8 @@
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>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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
@@ -2027,30 +1783,23 @@
</dd>
</dl>
- <section>
- <h5>Non-essential Use Cases</h5>
- <dl id="uc-funds-verification" class="dl-horizontal">
- <dt>Funds Verification</dt>
- <dd>
+ <dl id="uc-funds-verification" class="dl-horizontal">
+ <dt>Funds Verification</dt>
+ <dd>
When Mario wishes to <a>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>Version</dt>
- <dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Greater security and Transparency.
- </dd>
- <dt>Motivation</dt>
- <dd>
+ </dd>
+ <dt>Target version</dt>
+ <dd>Uncategorized</dd>
+ <dt>Motivation</dt>
+ <dd>
A <a>payee</a> may want to limit access to certain services to only those
who they know can afford the good or service because the act of engaging the
<a>payer</a> may be costly.
- </dd>
- </dl>
+ </dd>
+ </dl>
- </section>
</section>
<section>
@@ -2082,18 +1831,8 @@
</li>
</ul>
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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
@@ -2140,16 +1879,8 @@
</li>
</ul>
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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>payee</a> will
@@ -2158,36 +1889,27 @@
</dd>
</dl>
- <section>
- <h5>Non-essential Use Cases</h5>
- <dl id="uc-notifications" class="dl-horizontal">
- <dt>Notifications</dt>
- <dd>
+ <dl id="uc-notifications" 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>Version</dt>
- <dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Innovation,
-Automatability,
-and rapid, widespread adoption.
- </dd>
- <dt>Motivation</dt>
- <dd>
+ </dd>
+ <dt>Target version</dt>
+ <dd>Uncategorized</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>
+ </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>
+ </dd>
+ </dl>
</section>
</section>
@@ -2206,12 +1928,8 @@
bicycle is delivered a few days later with a QRCode attached to the package
that only Giralt can access.
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-rapid, widespread adoption.
- </dd>
<dt>Motivation</dt>
<dd>
The <a>purchase</a> and delivery of physical goods via an online marketplace
@@ -2225,12 +1943,8 @@
Takeru orders a new backpack online and has it shipped to a nearby department
store for pickup.
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</dd>
- <dt>Goals</dt>
- <dd>
-Rapid, widespread adoption.
- </dd>
<dt>Motivation</dt>
<dd>
It is common in Japan and the United Kingdom to purchase items online and then
@@ -2246,18 +1960,8 @@
proof of <a>purchase</a> that is sent to the band's website, after which
MusicBox provides Lilith a link to download the additional content.
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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
@@ -2276,16 +1980,8 @@
credit card (via his phone). An electronic receipt for the <a>purchase</a>
from the gas station is displayed on his phone.
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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
@@ -2313,15 +2009,8 @@
terminal he taps his phone to a kiosk and receives a printed physical receipt
that he can use on the bus.
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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
@@ -2375,18 +2064,8 @@
</li>
</ul>
</dd>
- <dt>Version</dt>
+ <dt>Target version</dt>
<dd>Uncategorized</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>transaction</a>s are the result of human error or fault. In these