Migrate payment-agent to capabilities. Update doc.
authorManu Sporny <msporny@digitalbazaar.com>
Wed, 10 Jun 2015 12:15:20 -0400
changeset 387 9e9597828a0a
parent 386 f846b070d2ca
child 388 53267f112fb3
Migrate payment-agent to capabilities. Update doc.
latest/capabilities/images/image5.tiff
latest/capabilities/images/model_1A_user_agent_pass_thru.svg
latest/capabilities/images/model_1B_out_of_band_proof_of_payment.svg
latest/capabilities/images/model_2A_payer_initiated_wallet_access.svg
latest/capabilities/images/model_2B_sso_via_payee_site.svg
latest/capabilities/images/model_3_P2P_Payment_Proximity.svg
latest/capabilities/images/paygent_connect.svg
latest/capabilities/images/paygent_detailed.svg
latest/capabilities/images/paygent_simple.svg
latest/capabilities/images/paygentbase.svg
latest/capabilities/index.html
latest/payment-agent/images/image5.tiff
latest/payment-agent/images/model_1A_user_agent_pass_thru.svg
latest/payment-agent/images/model_1B_out_of_band_proof_of_payment.svg
latest/payment-agent/images/model_2A_payer_initiated_wallet_access.svg
latest/payment-agent/images/model_2B_sso_via_payee_site.svg
latest/payment-agent/images/model_3_P2P_Payment_Proximity.svg
latest/payment-agent/images/paygent_connect.svg
latest/payment-agent/images/paygent_detailed.svg
latest/payment-agent/images/paygent_simple.svg
latest/payment-agent/images/paygentbase.svg
latest/payment-agent/index.html
Binary file latest/capabilities/images/image5.tiff has changed
--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
+++ b/latest/capabilities/images/model_1A_user_agent_pass_thru.svg	Wed Jun 10 12:15:20 2015 -0400
@@ -0,0 +1,3 @@
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+++ b/latest/capabilities/images/model_1B_out_of_band_proof_of_payment.svg	Wed Jun 10 12:15:20 2015 -0400
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transform="translate(785.50183 238.78004)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x=".9560547" y="9" textLength="81.043945">Goods and Services</tspan></text><text transform="translate(818.13553 275.14583)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x="19.795907" y="9" textLength="28.516113">Invoice</tspan></text><path d="M 904.3407 276.13513 C 904.3407 273.57742 904.05494 273.26098 901.9676 270.72973 L 901.94556 270.70354 C 899.8472 268.14583 899.8254 268.14583 897.6719 268.14583 C 894.8045 268.14583 881.8407 268.14583 881.8407 268.14583 L 881.8407 295.14583 L 904.3407 295.14583 L 904.3407 276.13513 Z" fill="white"/><path d="M 904.3407 276.13513 C 904.3407 273.57742 904.05494 273.26098 901.9676 270.72973 L 901.94556 270.70354 C 899.8472 268.14583 899.8254 268.14583 897.6719 268.14583 C 894.8045 268.14583 881.8407 268.14583 881.8407 268.14583 L 881.8407 295.14583 L 904.3407 295.14583 L 904.3407 276.13513 Z M 904.3407 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" y="450.2668" width="15.75" height="6.75" stroke="silver" stroke-linecap="round" stroke-linejoin="round" stroke-width="1"/><text transform="translate(797.44755 450.20758)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x=".97265625" y="9" textLength="68.027344">Payment Service</tspan></text><ellipse cx="176.16667" cy="465.66312" rx="10.100889" ry="10.03814" fill="#535353"/><text transform="translate(171.08597 459.66312)" fill="white"><tspan font-family="Helvetica" font-size="10" font-weight="bold" fill="white" x="2.2999364" y="10" textLength="5.5615234">1</tspan></text><text transform="translate(198.73958 457.70125)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="9" textLength="311.65137">Sally (Payer) is shopping on-line at Happy Co. on a computer via web browser</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="42" textLength="459.25488">Sally (Payer) selects what she would like to buy by adding them to her cart and also indicates that she has coupons</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="64" textLength="42.020508">Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="41.862305" y="64" textLength="15.495117">s W</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="57.19922" y="64" textLength="372.68701">eb-Site uses the cart information and loyalty information to request an invoice from Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="429.72803" y="64" textLength="45.017578">s Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="474.25342" y="64" textLength="23.519531">Agent</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="86" textLength="42.020508">Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="41.862305" y="86" textLength="45.017578">s Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="86.387695" y="86" textLength="192.11572">Agent generates a standard formatted Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="278.01123" y="86" textLength="144.07031">Agent Invoice with a URI that specifi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="422.08154" y="86" textLength="39.019043">es where </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="97" textLength="19.010742">confi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="19.010742" y="97" textLength="179.61328">rmation of payment should be sent once paid</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="119" textLength="123.57422">Once generated, by Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="123.416016" y="119" textLength="160.08398">s Payment agent it is presented to Sally’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="283.3418" y="119" textLength="60.5083">s (Payer) User </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="343.3579" y="119" textLength="119.04785">Agent (Browser) which identifi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="462.40576" y="119" textLength="55.032715">es the invoice</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="130" textLength="57.52881">as a Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="57.03662" y="130" textLength="57.03662">Agent Invoice.</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="152" textLength="21.506836">Sally’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="21.348633" y="152" textLength="493.74316">s user agent presents a “Pay” button , which sally clicks.  Because this is a payment agent generated URI, Sally is prompted</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="163" textLength="524.30273">redirected to her cloud wallet provider and asked to authenticate and authorize the payment. (NOTE: before shopping at Happy CO,</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="174" textLength="116.063965">Sally signed up for Cloud Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="115.90576" y="174" textLength="205.0752">s wallet service which assisted her in correctly confi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="320.98096" y="174" textLength="199.1206">guring her user agent to connect to the Cloud CO </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="185" textLength="47.02588">cloud wallet</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="207" textLength="239.63818">Once Sally authenticates and authorizes the payment, Sally’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="239.47998" y="207" textLength="113.5459">s Cloud Co wallet (Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="352.5337" y="207" textLength="92.557617">Agent) connects to the </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="218" textLength="405.71191">Payment Service that Sally chose by selecting her preferred instrument and executes the transaction. </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="240" textLength="316.64355">The Payment Service uses the URI from the original invoice to notify Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="316.48535" y="240" textLength="238.13525">s payment system that the payment has been received and </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="251" textLength="38.021484">also notifi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="38.021484" y="251" textLength="217.13379">es Sally that her payment has been sent and received.</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="284" textLength="173.58838">Once Happy Co receives the payment confi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="173.58838" y="284" textLength="74.518066">rmation from Sally’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="247.94824" y="284" textLength="305.63086">s Payment Serivce, it will ship sally her order along with notifying her with a fi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="553.5791" y="284" textLength="12.010254">nal</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="295" textLength="19.010742">confi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="19.010742" y="295" textLength="32.510742">rmation.</tspan></text><ellipse cx="176.16667" cy="496.03812" rx="10.100889" ry="10.03814" fill="#535353"/><text transform="translate(171.08597 490.03812)" fill="white"><tspan font-family="Helvetica" font-size="10" 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--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
+++ b/latest/capabilities/images/model_2A_payer_initiated_wallet_access.svg	Wed Jun 10 12:15:20 2015 -0400
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--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
+++ b/latest/capabilities/images/model_2B_sso_via_payee_site.svg	Wed Jun 10 12:15:20 2015 -0400
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font-weight="500" x="54.25" y="28" textLength="18.675781">Adler</tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="72.48828" y="28" textLength="124.50781">, Federal Reserve Bank of Chicago</tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="0" y="38" textLength="180.98828">Copyright 2015 Federal Reserve Bank of Chicago. </tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="180.55078" y="38" textLength="72.472656">All Rights Reserved.</tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="0" y="48" textLength="234.78516">Proprietary Information of the Federal Reserve Bank of Chicago – </tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="0" y="58" textLength="152.96875">Subject to Use and Publication Restrictions</tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" x="0" y="68" textLength="5.3359375">V</tspan><tspan font-family="Helvetica" font-size="8" font-weight="500" 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y1="293.85038" x2="500.37124" y2="362.84478" marker-end="url(#FilledArrow_Marker)" marker-start="url(#FilledArrow_Marker_2)" stroke="black" stroke-linecap="round" stroke-linejoin="round" stroke-width="1"/><path d="M 50.141973 672.3555 L 514.385 672.3555 C 519.35557 672.3555 523.385 676.38496 523.385 681.3555 L 523.385 706.9561 C 523.385 711.9267 519.35557 715.9561 514.385 715.9561 L 50.141973 715.9561 C 45.17141 715.9561 41.141973 711.9267 41.141973 706.9561 L 41.141973 681.3555 C 41.141973 676.38496 45.17141 672.3555 50.141973 672.3555 Z" fill="white"/><path d="M 50.141973 672.3555 L 514.385 672.3555 C 519.35557 672.3555 523.385 676.38496 523.385 681.3555 L 523.385 706.9561 C 523.385 711.9267 519.35557 715.9561 514.385 715.9561 L 50.141973 715.9561 C 45.17141 715.9561 41.141973 711.9267 41.141973 706.9561 L 41.141973 681.3555 C 41.141973 676.38496 45.17141 672.3555 50.141973 672.3555 Z" stroke="black" stroke-linecap="round" stroke-linejoin="round" stroke-width="1"/><text transform="translate(46.141973 672.3555)" fill="black"><tspan font-family="Helvetica" font-size="8" font-weight="500" fill="black" x="0" y="8" textLength="76.03125">Remote Server Layer</tspan></text><path d="M 301.90387 684.50892 L 377.66452 684.50892 C 382.63508 684.50892 386.66452 688.53836 386.66452 693.50892 L 386.66452 696.64573 C 386.66452 701.6163 382.63508 705.64573 377.66452 705.64573 L 301.90387 705.64573 C 296.9333 705.64573 292.90387 701.6163 292.90387 696.64573 L 292.90387 693.50892 C 292.90387 688.53836 296.9333 684.50892 301.90387 684.50892 Z" fill="white"/><path d="M 301.90387 684.50892 L 377.66452 684.50892 C 382.63508 684.50892 386.66452 688.53836 386.66452 693.50892 L 386.66452 696.64573 C 386.66452 701.6163 382.63508 705.64573 377.66452 705.64573 L 301.90387 705.64573 C 296.9333 705.64573 292.90387 701.6163 292.90387 696.64573 L 292.90387 693.50892 C 292.90387 688.53836 296.9333 684.50892 301.90387 684.50892 Z" stroke="black" stroke-linecap="round" 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--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
+++ b/latest/capabilities/images/paygent_simple.svg	Wed Jun 10 12:15:20 2015 -0400
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--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
+++ b/latest/capabilities/images/paygentbase.svg	Wed Jun 10 12:15:20 2015 -0400
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--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
+++ b/latest/capabilities/index.html	Wed Jun 10 12:15:20 2015 -0400
@@ -0,0 +1,412 @@
+<!DOCTYPE html>
+<html>
+  <head>
+    <title>Web Payments: Capabilities 1.0</title>
+    <meta http-equiv='Content-Type' content='text/html;charset=utf-8'/>
+    <script src='../respec-w3c-common.js' class='remove'></script>
+    <script src='../respec-webpayments.js' 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:            "web-payments-capabilities",
+
+    // if you wish the publication date to be other than today, set this
+    // publishDate:  "2009-08-06",
+
+    // 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:           "dvcs.w3.org/hg/webpayments/raw-file/default/latest/capabilities/index.html",
+
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+
+    // 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: "Pat Adler",
+      url: "https://www.linkedin.com/pub/patrick-adler/2/730/2b4",
+      company: "Federal Reserve Bank of Chicago",
+      companyURL: "http://www.federalreserve.gov/"
+    }, {
+      name: "Adrian Hope-Bailie",
+      url: "https://www.linkedin.com/in/adrianhopebailie",
+      company: "Ripple Labs", companyURL: "https://www.telekom.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/"
+    }],
+
+    // 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: "Patrick Adler",
+      url: "",
+      company: "Federal Reserve Bank of Chicago",
+      companyURL: ""
+    }, {
+      name: "Adrian Hope-Bailie",
+      url: "",
+      company: "Ripple Labs",
+      companyURL: ""
+    }, {
+      name: "Ian Jacobs",
+      url: "",
+      company: "W3C",
+      companyURL: ""
+    }, {
+      name: "Manu Sporny",
+      url: "",
+      company: "Digital Bazaar",
+      companyURL: ""
+    }, {
+      name: "Jörg Heuer",
+      url: "",
+      company: "Deutsche Telekom",
+      companyURL: ""
+    },  {
+      name: "David Ezell",
+      url: "",
+      company: "National Association of Convenience Stores (NACS)",
+      companyURL: ""
+    }, {
+      name: "Dave Raggett",
+      url: "",
+      company: "W3C",
+      companyURL: ""
+    }, {
+      name: "Katie Haritos-Shea",
+      url: "",
+      company: "W3C Invited Expert",
+      companyURL: ""
+    }],
+
+    // 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/blog/wpig/",
+
+    // name (with the @w3c.org) of the public mailing to which comments are due
+    wgPublicList: "public-webpayments-comments@w3.org",
+
+    // 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",
+
+    preProcess: [ webpayments.preProcess ]/*,
+    alternateFormats: [ {uri: "diff-20111214.html", label: "diff to previous version"} ],
+    */
+};
+    </script>
+  </head>
+<body>
+  <section id='abstract'>
+    <p>
+Payments and the ability to exchange value efficiently and securely over the
+web are critical to global commerce. Open standards for payments and value
+exchange help ensure open access and interoperability to financial systems for
+all the people that use the Web. This document describes aset of capabilities
+that, if standardized, will improve payments on the Web.
+    </p>
+  </section>
+
+  <section id='sotd'>
+    <p>
+This document is in early draft state and is expected to rapidly evolve
+based on broad feedback and input from the Web Payments Interest Group.
+    </p>
+  </section>
+
+  <section id="relationships">
+    <h2>Relationship to Other Documents</h2>
+    <p>In addition to this document, the Web Payments Interest Group is
+    developing:</p>
+
+    <ul>
+      <li>A <a href="https://www.w3.org/Payments/IG/wiki/Payment_Agent_Task_Force/Vision">
+      Vision for Web Payments</a> describes the desirable properties of a Web
+      payments architecture.</li>
+
+      <li><a href="http://www.w3.org/TR/web-payments-use-cases/">
+      Web Payments Use Cases 1.0</a> is a prioritized list of Web payments
+      scenarios that the Interest Group expects to address via the capabilities
+      described in this document. The use cases establish a scope of work and a
+      deeper analysis of implied requirements (technical, regulatory, etc.) will
+      inform future standardization work.</li>
+
+      <li>A <a href="https://www.w3.org/Payments/IG/wiki/Roadmap">
+      Roadmap</a> proposes which groups (in or outside of W3C) should take
+      the lead on creating standards for these capabilities.</li>
+    </ul>
+  </section>
+
+  <section id="overview">
+    <h1>Overview of Capabilities</h1>
+
+    <p>Capabilities are functionalities necessary to implement payments on the
+    Web. We include capabilities specific to payments but also capabilities that
+    support payments (such as security) and capabilities more broadly related to
+    commerce, as it is important to understand the full context in which payments
+    occur.</p>
+
+    <p>We organize capabilities into five groups.</p>
+
+    <ol>
+      <li>
+        <strong>Security Core</strong> - These capabilities provide the security
+        foundation for payments.
+        <div style="margin-left:2em;"><strong>Capabilities</strong>: Key Creation and
+        Management, Cryptographic Signatures, Encryption</div>
+        <div class="issue">Right now this group has
+        only security capabilities in it. We may wish to have a more general
+        purpose Core set. If so, what would this core set include?</div>
+      </li>
+      <li>
+        <strong>Trust and Identity - </strong>Includes features related to establishing
+        trust among parties, and credentialing or authorization of parties involved
+        in a transaction.
+        <div style="margin-left:2em;"><strong>Capabilities</strong>:
+        Identity, Credentials, Rights, Authentication, Authorization, Privacy, Discovery,
+        Registration, Enrollment, and Legal/Regulatory concerns.</div>
+      </li>
+      <li>
+        <strong>Accounts and Settlement - </strong>Includes capabilities related to
+        managing stores of value (such as Deposit Accounts) and recorded accounts
+        of ownership (such as Ledger entries, Deeds, etc.) used as part of the
+        settlement of payments or commercial exchanges. Settlement via the Web
+        involves access to the accounts of the participants and ledgers of the
+        account providers and capabilities to manage accounts and capture and
+        monitor transactions in a ledger against those accounts.<br />
+        <div style="margin-left:2em;"><strong>Capabilities</strong>:
+        Accounts, Ledgers, and Legal/Regulatory
+        concerns related to accounting and recorded ownership.</div>
+      </li>
+      <li>
+        <strong>Payments and Clearing - </strong>These are the capabilities that help
+        parties in a transaction establish the mechanics of how the payment will be
+        executed and the directly or indirectly make this happen. This involves the
+        ability to discover and negotiate the mechanism that will be used to
+        execute the payment and agree on the terms including facts such as the
+        costs of making the payment, time between clearing of the payment and
+        settlement into the payee’s account, regulatory requirements and required
+        authorisations.
+        <div style="margin-left:2em;"><strong>Capabilities</strong>:
+        Funding, Payment, Messaging, Clearing, Markets, Foreign/Currency
+        Exchange, and Legal/regulatory concerns specific to Payments and
+        Exchange of Value.</div>
+      </li>
+      <li>
+        <strong>Commerce - </strong>Includes capabilities related to commercial and
+        economic interactions.
+        <div style="margin-left:2em;"><strong>Capabilities</strong>:
+        Offers, Invoicing, Receipts, Loyalty, Rewards,
+        Contracts, Lending, Insurance, Taxation, Legal/Regulatory concerns related
+        to aspects of commercial and economic interactions.</div>
+      </li>
+    </ol>
+
+    <p>The Interest Group anticipates that these groups will make it easier to
+    define modules that may be reused at a variety of times in a payment
+    transaction, to prioritize capabilities and craft charters for groups to
+    standardize them, and to communicate the group’s plans with other standards
+    bodies and organizations.</p>
+
+    <p class="note">Some of these capabilities are expected be useful outside of payment
+    scenarios.</p>
+  </section>
+
+  <section>
+    <h2>Capabilities in Context</h2>
+
+    <section>
+      <h3>Digital Wallets and Payment Agents</h3>
+
+      <p>Although the capabilities described in this document may be used and
+      composed in a variety of ways to fulfill payments use cases, the Interest Group
+      anticipates that in many cases, they will be packaged in “payment agents” (or
+      “digital wallets”) that act as a bridge between the merchant, the user, and the
+      user’s account providers.</p>
+    </section>
+
+    <section>
+      <h3>Payment Service Providers</h3>
+
+      <p>The roles illustrated here may be carried out by many different entities.
+      For example, "account provider" may be carried out by financial institutions,
+      mobile operators, tech companies, or cryptocurrency systems; “payee” may be an
+      individual, a business, an NGO, or any entity that can accept a payment.</p>
+
+      <p>A payment may involve just two parties (e.g., peer-to-peer) or may be
+      carried out by several collaborating parties. For instance, a payee may use a
+      payment service provider which in turn uses a card network. The actions of
+      these intermediaries may vary, from simply forwarding messages to fulfilling
+      regulatory obligations. Additionally, these interactions may happen in
+      different sequences and direction depending on the payment context.</p>
+    </section>
+
+    <section>
+      <h3>Payment Interactions</h3>
+
+    <p>To simplify and harmonize the descriptions of capabilities necessary for
+    payments and value exchange on the Web, it is helpful to understand the parties
+    involved and the direction that information flows among them at various
+    <a href="http://www.w3.org/TR/web-payments-use-cases/#an-overview-of-the-payment-phases">
+    phases</a> of a payment. We use the following diagram to help illustrate
+    roles and information flow:</p>
+
+    <p>@@@ Figure: Payment Interaction Wheel @@@</p>
+
+    <p>For example, the following diagrams illustrate three interactions in a
+    comment payment scenario.</p>
+
+    <p><span><img alt="Request for Payment.png" src="images/image03.png" title=
+    "" /></span></p>
+
+    <p>Interaction 1:</p>
+
+    <p>Payee communicates request for payment to payer and shares payment
+    instructions</p>
+
+    <p><span><img alt="Payer-PayeeService Provider.png" src="images/image02.png"
+    title="" /></span></p>
+
+    <p>Interaction 2:</p>
+
+    <p>Payer uses information received from Payee and creates a new payment
+    request from Payment Service Provider with stored value.</p>
+
+    <p><span><img alt="PSPtoPSP.png" src="images/image04.png" title=
+    "" /></span></p>
+
+    <p>Interaction 3:</p>
+
+    <p>Payer’s Payment Service Provider sends details to complete payment to
+    Payee’s</p>
+
+    </section>
+
+  </section>
+
+  <section>
+    <h2>Capabilities in Detail</h2>
+
+    <section>
+      <h3>Security Core</h3>
+
+      <p class="issue">Describe any key concepts/relationship to other capabilities here...</p>
+
+      <section>
+        <h4>Key Management</h4>
+
+        <p>All participants require an interchangeable mechanism for creation,
+        management, storage and exchange of cryptographic keys</p>
+
+        <p>Key management capabilities are required to:</p>
+
+        <ol>
+          <li>Securely communicate unique identifiers of payment process
+          participants</li>
+
+          <li>Digitally sign and authenticate information exchanged as part of the
+          payments process (ex. payments, receipts, invoices, etc.)</li>
+
+          <li>Provide reference key for independent elements of the payments process to
+          compose/link transactions and related data across asynchronous segments of
+          the payment process</li>
+        </ol>
+      </section>
+
+      <section>
+        <h4>Cryptographic Signatures</h4>
+
+        <p>Information transferred should be cryptographically signed to ensure</p>
+
+        <ol>
+          <li>Authenticity of the participants and ownership of value/asset being
+          transferred or exchanged</li>
+
+          <li>Nonrepudiation of participants intent related to information /
+          communication being exchanged</li>
+        </ol>
+      </section>
+
+      <section>
+        <h4>Suggested Deliverables</h4>
+        <ul>
+          <li>Data model with a concrete syntax for expressing data in the
+          architecture</li>
+
+          <li>Web-based key public key infrastructure data formats and protocols</li>
+
+          <li>New normalization mechanisms for data model serialization (if necessary,
+          for digital signatures)</li>
+
+          <li>Digital signature mechanism for data model</li>
+        </ul>
+
+        <section>
+          <h5>Related Specifications</h5>
+
+          <ul>
+            <li>Data models: Graph (RDF), Document/Tree (JSON, XML)</li>
+
+            <li>Syntaxes: XML, JSON, JSON-LD</li>
+
+            <li>Normalization: XML Canonicalization, RDF Dataset Normalization</li>
+
+            <li>Signatures: Linked Data Signatures, Javascript Object Signing and
+            Encryption, XML Digital Signature</li>
+          </ul>
+        </section>
+
+        <section>
+          <h5>Responsible Working Group(s) or Standards Bodies</h5>
+
+          <ul>
+            <li>Linked Data Signatures Working Group (W3C)</li>
+
+            <li>JOSE (IETF)</li>
+          </ul>
+        </section>
+      </section>
+    </section>
+  </section>
+
+  <section class="appendix">
+    <h2>Acknowledgements</h2>
+
+    <p>
+The editors are thankful to the following contributions from ...
+(in alphabetical order):
+    </p>
+    <p>
+List of contributors/reviewers.
+    </p>
+
+  </section>
+
+  </body>
+</html>
+
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transform="translate(785.50183 238.78004)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x=".9560547" y="9" textLength="81.043945">Goods and Services</tspan></text><text transform="translate(818.13553 275.14583)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x="19.795907" y="9" textLength="28.516113">Invoice</tspan></text><path d="M 904.3407 276.13513 C 904.3407 273.57742 904.05494 273.26098 901.9676 270.72973 L 901.94556 270.70354 C 899.8472 268.14583 899.8254 268.14583 897.6719 268.14583 C 894.8045 268.14583 881.8407 268.14583 881.8407 268.14583 L 881.8407 295.14583 L 904.3407 295.14583 L 904.3407 276.13513 Z" fill="white"/><path d="M 904.3407 276.13513 C 904.3407 273.57742 904.05494 273.26098 901.9676 270.72973 L 901.94556 270.70354 C 899.8472 268.14583 899.8254 268.14583 897.6719 268.14583 C 894.8045 268.14583 881.8407 268.14583 881.8407 268.14583 L 881.8407 295.14583 L 904.3407 295.14583 L 904.3407 276.13513 Z M 904.3407 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" y="450.2668" width="15.75" height="6.75" stroke="silver" stroke-linecap="round" stroke-linejoin="round" stroke-width="1"/><text transform="translate(797.44755 450.20758)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x=".97265625" y="9" textLength="68.027344">Payment Service</tspan></text><ellipse cx="176.16667" cy="465.66312" rx="10.100889" ry="10.03814" fill="#535353"/><text transform="translate(171.08597 459.66312)" fill="white"><tspan font-family="Helvetica" font-size="10" font-weight="bold" fill="white" x="2.2999364" y="10" textLength="5.5615234">1</tspan></text><text transform="translate(198.73958 457.70125)" fill="black"><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="9" textLength="311.65137">Sally (Payer) is shopping on-line at Happy Co. on a computer via web browser</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="42" textLength="459.25488">Sally (Payer) selects what she would like to buy by adding them to her cart and also indicates that she has coupons</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="64" textLength="42.020508">Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="41.862305" y="64" textLength="15.495117">s W</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="57.19922" y="64" textLength="372.68701">eb-Site uses the cart information and loyalty information to request an invoice from Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="429.72803" y="64" textLength="45.017578">s Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="474.25342" y="64" textLength="23.519531">Agent</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="86" textLength="42.020508">Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="41.862305" y="86" textLength="45.017578">s Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="86.387695" y="86" textLength="192.11572">Agent generates a standard formatted Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="278.01123" y="86" textLength="144.07031">Agent Invoice with a URI that specifi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="422.08154" y="86" textLength="39.019043">es where </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="97" textLength="19.010742">confi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="19.010742" y="97" textLength="179.61328">rmation of payment should be sent once paid</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="119" textLength="123.57422">Once generated, by Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="123.416016" y="119" textLength="160.08398">s Payment agent it is presented to Sally’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="283.3418" y="119" textLength="60.5083">s (Payer) User </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="343.3579" y="119" textLength="119.04785">Agent (Browser) which identifi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="462.40576" y="119" textLength="55.032715">es the invoice</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="130" textLength="57.52881">as a Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="57.03662" y="130" textLength="57.03662">Agent Invoice.</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="152" textLength="21.506836">Sally’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="21.348633" y="152" textLength="493.74316">s user agent presents a “Pay” button , which sally clicks.  Because this is a payment agent generated URI, Sally is prompted</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="163" textLength="524.30273">redirected to her cloud wallet provider and asked to authenticate and authorize the payment. (NOTE: before shopping at Happy CO,</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="174" textLength="116.063965">Sally signed up for Cloud Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="115.90576" y="174" textLength="205.0752">s wallet service which assisted her in correctly confi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="320.98096" y="174" textLength="199.1206">guring her user agent to connect to the Cloud CO </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="185" textLength="47.02588">cloud wallet</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="207" textLength="239.63818">Once Sally authenticates and authorizes the payment, Sally’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="239.47998" y="207" textLength="113.5459">s Cloud Co wallet (Payment </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="352.5337" y="207" textLength="92.557617">Agent) connects to the </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="218" textLength="405.71191">Payment Service that Sally chose by selecting her preferred instrument and executes the transaction. </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="240" textLength="316.64355">The Payment Service uses the URI from the original invoice to notify Happy Co’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="316.48535" y="240" textLength="238.13525">s payment system that the payment has been received and </tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="251" textLength="38.021484">also notifi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="38.021484" y="251" textLength="217.13379">es Sally that her payment has been sent and received.</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="284" textLength="173.58838">Once Happy Co receives the payment confi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="173.58838" y="284" textLength="74.518066">rmation from Sally’</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="247.94824" y="284" textLength="305.63086">s Payment Serivce, it will ship sally her order along with notifying her with a fi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="553.5791" y="284" textLength="12.010254">nal</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="0" y="295" textLength="19.010742">confi</tspan><tspan font-family="Helvetica" font-size="9" font-weight="500" x="19.010742" y="295" textLength="32.510742">rmation.</tspan></text><ellipse cx="176.16667" cy="496.03812" rx="10.100889" ry="10.03814" fill="#535353"/><text transform="translate(171.08597 490.03812)" fill="white"><tspan font-family="Helvetica" font-size="10" 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