--- a/latest/use-cases/index.html Wed Mar 18 01:22:04 2015 -0400
+++ b/latest/use-cases/index.html Thu Mar 19 00:53:23 2015 -0400
@@ -93,9 +93,6 @@
dl > dt:first-of-type {
font-weight: bold;
}
-dd {
- margin-left: 0;
-}
@media (min-width: 768px) {
.dl-horizontal dt {
font-weight: normal;
@@ -110,6 +107,10 @@
.dl-horizontal dd {
margin-left: 180px;
}
+ .dl-horizontal dd > ul {
+ padding-left: 20px;
+ margin: 0px;
+ }
}
</style>
</head>
@@ -1148,7 +1149,7 @@
</dl>
<dl class="dl-horizontal">
- <dt>Sharing Instruments</dt>
+ <dt>Payer Privacy</dt>
<dd>
<ul>
<li>
@@ -1212,7 +1213,8 @@
the checkout counter.
</li>
<li>
-Nadia's bank asks her to use their in-branch retinal scan and palm-vein reader
+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>
@@ -1234,6 +1236,12 @@
multi-factor authentication supports what exists today, but is not
limited to only what exists today.
</dd>
+ <dt>Accessibility</dt>
+ <dd>
+When requiring biometric verification, it is important to provide
+at least two (if not more) alternative mechanisms. Not everyone can provide
+fingerprints or detailed iris scans.
+ </dd>
</dl>
<dl class="dl-horizontal">
@@ -1414,230 +1422,135 @@
<section>
<h5>High Priority</h5>
<dl class="dl-horizontal">
- <dt></dt>
- <dd>
-
- </dd>
- <dt>Goals</dt>
- <dd>
-Increased user choice,
-Improved user experience,
-Greater security,
-Minimal standardization,
-Regulatory acceptance,
-Innovation,
-Lower Costs,
-Transparency,
-Automatability,
-Portability,
-Monetization,
-and Rapid, widespread adoption.
- </dd>
- <dt>Motivation</dt>
- <dd>
-
- </dd>
- <dt>Privacy / Security</dt>
- <dd>
-
- </dd>
- <dt>Exceptions</dt>
+ <dt>Proofs</dt>
<dd>
-
- </dd>
- </dl>
- </section>
-
- <section>
- <h5>Medium Priority</h5>
- <dl class="dl-horizontal">
- <dt></dt>
- <dd>
-
- </dd>
- <dt>Goals</dt>
- <dd>
-Increased user choice,
-Improved user experience,
-Greater security,
-Minimal standardization,
-Regulatory acceptance,
-Innovation,
-Lower Costs,
-Transparency,
-Automatability,
-Portability,
-Monetization,
-and Rapid, widespread adoption.
- </dd>
- <dt>Motivation</dt>
- <dd>
-
- </dd>
- <dt>Privacy / Security</dt>
- <dd>
-
- </dd>
- <dt>Exceptions</dt>
- <dd>
-
- </dd>
- </dl>
- </section>
-
- <section>
- <h5>Low Priority</h5>
- <dl class="dl-horizontal">
- <dt></dt>
- <dd>
-
+ <ul>
+ <li>
+Zhang Wei orders 10 large boxes of red 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 purchases candy online, the store asks only
+for Tibors verified shipping address and a proof of payment to send him
+the chocolates.
+ </li>
+ <li>
+RockinRadio, SmoothSounds, and classicallyClassic are independent specialised
+music streaming services. They accept proof of purchase 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,
-Minimal standardization,
Regulatory acceptance,
Innovation,
-Lower Costs,
Transparency,
-Automatability,
-Portability,
-Monetization,
-and Rapid, widespread adoption.
+Automatability, and Rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
-
- </dd>
- <dt>Privacy / Security</dt>
- <dd>
-
+Goods and services may be released at different times depending on the type
+of transaction being performed. At times, it's 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 <tref title="payee">payee's</tref> financial
+account.
</dd>
<dt>Exceptions</dt>
<dd>
-
+If a particular expected proof is not provided, the transaction will most
+likely fail or transition into an alternate path.
</dd>
</dl>
+ </section>
- </section>
</section>
<section>
<h4>Completion of Transfer</h4>
<p>
</p>
+
<section>
<h5>High Priority</h5>
<dl class="dl-horizontal">
- <dt></dt>
- <dd>
-
- </dd>
- <dt>Goals</dt>
+ <dt>Variation of Delay</dt>
<dd>
-Increased user choice,
-Improved user experience,
-Greater security,
-Minimal standardization,
-Regulatory acceptance,
-Innovation,
-Lower Costs,
-Transparency,
-Automatability,
-Portability,
-Monetization,
-and Rapid, widespread adoption.
- </dd>
- <dt>Motivation</dt>
- <dd>
-
- </dd>
- <dt>Privacy / Security</dt>
- <dd>
-
- </dd>
- <dt>Exceptions</dt>
- <dd>
-
- </dd>
- </dl>
- </section>
-
- <section>
- <h5>Medium Priority</h5>
- <dl class="dl-horizontal">
- <dt></dt>
- <dd>
-
+ <ul>
+ <li>
+Sophie uses a credit card to buy some gifts for her parents and the shop has
+access to the funds in three days.
+ </li>
+ <li>
+Frank uses an electronic check 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, so the store
+that sells the glasses has almost guaranteed access to the funds within
+15 minutes.
+ </li>
+ <li>
+Vanessa uses Ripple to purchase a new work outfit in USD and funds are made
+available within a few minutes to OnlineWorkClothes in EUR.
+ </li>
+ </ul>
</dd>
<dt>Goals</dt>
<dd>
Increased user choice,
Improved user experience,
-Greater security,
-Minimal standardization,
-Regulatory acceptance,
-Innovation,
-Lower Costs,
Transparency,
Automatability,
-Portability,
-Monetization,
and Rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
-
- </dd>
- <dt>Privacy / Security</dt>
- <dd>
-
+When a transaction occurs, the time it takes to transmit and receive
+funds often vary according to <tref>payment scheme</tref>.
</dd>
<dt>Exceptions</dt>
<dd>
-
+If the funds are sent but never received, then the <tref>payee</tref> will
+select a recourse mechanism that is included in the last transaction message.
</dd>
</dl>
</section>
+
<section>
- <h5>Low Priority</h5>
+ <h5>Medium Priority</h5>
<dl class="dl-horizontal">
- <dt></dt>
+ <dt>Notifications</dt>
<dd>
-
+Gavin sends and electronic check 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>
-Increased user choice,
-Improved user experience,
-Greater security,
-Minimal standardization,
-Regulatory acceptance,
Innovation,
-Lower Costs,
-Transparency,
Automatability,
-Portability,
-Monetization,
and Rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
-
- </dd>
- <dt>Privacy / Security</dt>
- <dd>
-
+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>
@@ -1652,117 +1565,53 @@
<h4>Delivery of Product</h4>
<p>
</p>
+
<section>
<h5>High Priority</h5>
<dl class="dl-horizontal">
- <dt></dt>
+ <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>
-Increased user choice,
+Rapid, widespread adoption.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+The purchase 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
+website to download additional content, no account is required, just a
+proof of purchase that is sent to the band's website, after which the site
+gives Lilith a link to download the additional content.
+ </dd>
+ <dt>Goals</dt>
+ <dd>
Improved user experience,
Greater security,
Minimal standardization,
-Regulatory acceptance,
Innovation,
-Lower Costs,
-Transparency,
Automatability,
-Portability,
-Monetization,
-and Rapid, widespread adoption.
+Portability, and
+Monetization.
</dd>
<dt>Motivation</dt>
<dd>
-
- </dd>
- <dt>Privacy / Security</dt>
- <dd>
-
- </dd>
- <dt>Exceptions</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>
- <h5>Medium Priority</h5>
- <dl class="dl-horizontal">
- <dt></dt>
- <dd>
-
- </dd>
- <dt>Goals</dt>
- <dd>
-Increased user choice,
-Improved user experience,
-Greater security,
-Minimal standardization,
-Regulatory acceptance,
-Innovation,
-Lower Costs,
-Transparency,
-Automatability,
-Portability,
-Monetization,
-and Rapid, widespread adoption.
- </dd>
- <dt>Motivation</dt>
- <dd>
-
- </dd>
- <dt>Privacy / Security</dt>
- <dd>
-
- </dd>
- <dt>Exceptions</dt>
- <dd>
-
- </dd>
- </dl>
- </section>
-
- <section>
- <h5>Low Priority</h5>
- <dl class="dl-horizontal">
- <dt></dt>
- <dd>
-
- </dd>
- <dt>Goals</dt>
- <dd>
-Increased user choice,
-Improved user experience,
-Greater security,
-Minimal standardization,
-Regulatory acceptance,
-Innovation,
-Lower Costs,
-Transparency,
-Automatability,
-Portability,
-Monetization,
-and Rapid, widespread adoption.
- </dd>
- <dt>Motivation</dt>
- <dd>
-
- </dd>
- <dt>Privacy / Security</dt>
- <dd>
-
- </dd>
- <dt>Exceptions</dt>
- <dd>
-
- </dd>
- </dl>
-
- </section>
</section>
<section>
@@ -1772,114 +1621,67 @@
<section>
<h5>High Priority</h5>
<dl class="dl-horizontal">
- <dt></dt>
+ <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 purchase from the
+gas station is displayed on his phone.
</dd>
<dt>Goals</dt>
<dd>
-Increased user choice,
Improved user experience,
Greater security,
-Minimal standardization,
-Regulatory acceptance,
Innovation,
-Lower Costs,
-Transparency,
-Automatability,
-Portability,
-Monetization,
+Automatability, and
+Portability.
+ </dd>
+ <dt>Motivation</dt>
+ <dd>
+Electronic receipts will make it easier to track expenses, prove that
+certain purchases were made, file taxes, 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
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
</dd>
- <dt>Exceptions</dt>
+ <dt>Accessibility</dt>
<dd>
-
+Implementations should ensure that people who have visual disabilities have
+options such as braile output for physical receipts along-side high-contrast /
+large print lettering.
</dd>
</dl>
</section>
- <section>
- <h5>Medium Priority</h5>
- <dl class="dl-horizontal">
- <dt></dt>
- <dd>
-
- </dd>
- <dt>Goals</dt>
- <dd>
-Increased user choice,
-Improved user experience,
-Greater security,
-Minimal standardization,
-Regulatory acceptance,
-Innovation,
-Lower Costs,
-Transparency,
-Automatability,
-Portability,
-Monetization,
-and Rapid, widespread adoption.
- </dd>
- <dt>Motivation</dt>
- <dd>
-
- </dd>
- <dt>Privacy / Security</dt>
- <dd>
-
- </dd>
- <dt>Exceptions</dt>
- <dd>
-
- </dd>
- </dl>
- </section>
-
- <section>
- <h5>Low Priority</h5>
- <dl class="dl-horizontal">
- <dt></dt>
- <dd>
-
- </dd>
- <dt>Goals</dt>
- <dd>
-Increased user choice,
-Improved user experience,
-Greater security,
-Minimal standardization,
-Regulatory acceptance,
-Innovation,
-Lower Costs,
-Transparency,
-Automatability,
-Portability,
-Monetization,
-and Rapid, widespread adoption.
- </dd>
- <dt>Motivation</dt>
- <dd>
-
- </dd>
- <dt>Privacy / Security</dt>
- <dd>
-
- </dd>
- <dt>Exceptions</dt>
- <dd>
-
- </dd>
- </dl>
-
- </section>
</section>
</section>