--- a/latest/use-cases/index.html Thu Apr 02 16:39:30 2015 -0400
+++ b/latest/use-cases/index.html Thu Apr 02 21:46:13 2015 -0400
@@ -8,13 +8,13 @@
<script class='remove'>
var respecConfig = {
// specification status (e.g. WD, LCWD, NOTE, etc.). If in doubt use ED.
- specStatus: "ED",
+ specStatus: "FPWD",
// the specification's short name, as in http://www.w3.org/TR/short-name/
shortName: "web-payments-use-cases",
// if you wish the publication date to be other than today, set this
- // publishDate: "2009-08-06",
+ publishDate: "2015-04-16",
// if there is a previously published draft, uncomment this and set its YYYY-MM-DD date
// and its maturity status
@@ -150,7 +150,7 @@
This document is a work in progress and is being released early and often
using an agile process; it is incomplete.
</p>
- <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
@@ -2174,13 +2174,13 @@
<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 the amount of insurance paid for by the sender (seller).
+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 and contains authenticity documentation as part of the sale.
+the purse.
</li>
</ul>
@@ -2188,59 +2188,59 @@
<ul>
<li>
<strong>Discovery of Accepted Schemes</strong>: The site takes
-Discover/MasterCard/Visa/debit along with secured money order, Bitcoin,
-Google Wallet, and ApplePay.
+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 points
-card which will award one point per dollar spent.
+<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>: Janet selects the
-account number already stored from previous purchases and is asked for the
-verification code on the back of the card and billing address for the card
-used.
+<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>
<h4>Payment Processing</h4>
<ul>
<li>
-<strong>Initiation of Processing</strong>: The eCommerce site now initiates a
-payment request for authorization from the seller's payment card processor.
+<strong>Initiation of Processing</strong>: The merchant initiates an
+payment authorization request to their <a>payment processor</a>.
</li>
<li>
-<strong>Verification of Available Funds</strong>: An authorization is then
-stored for the purchase and set for capture in the overnight file sent to
-the payment card processor. The payment card processor receives the validity
-of the card and funds available (auth) from Janet's issuing bank.
+<strong>Verification of Available Funds</strong>: The payment authorization
+request is successful and the <a>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>: The eCommerce software now releases
-the product for shipping to Janet.
+<strong>Authorization of Transfer</strong>: After the merchant has packed
+the bag for shipping, the merchant sends a message back to the
+<a>payment processor</a> to finalize the payment.
</li>
<li>
-<strong>Completion of Transfer</strong>: In the evening when the seller leaves
-for the day, the closing for the next day's sales is complete and file sent
-to the processor for capture/clearing.
+<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>
<h4>Delivery of Product/Receipt and Refunds</h4>
<ul>
<li>
-<strong>Delivery of Receipt</strong>: The eCommerce software produces a
-receipt along with the tracking code for the purse to Janet's registered
-contact email. Janet receives this email into her email system which also
-forwards this receipt to her budget software contained on her notebook device.
+<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 shipping department packs and
-delivers to the shipper which will provide detailed tracking information
-through the MyUPS tracking software on Janet's mobile phone.
+<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>
@@ -2252,14 +2252,14 @@
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, etc.
+CyberSource, Venmo, Square, etc.
</p>
<h4>Negotiation of Purchase Terms</h4>
<ul>
<li>
-<strong>Discovery of Offer</strong>: Tom uses the Terrific-Tools Application
-to select a new ax to purchase and finds a hickory handled model like the
+<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>
@@ -2430,16 +2430,6 @@
</section>
<section>
- <h3>Electronic Cheque Payment</h3>
- <p><em>To be completed</em>.</p>
- </section>
-
- <section>
- <h3>Credit Transfer / Direct Debit</h3>
- <p><em>To be completed</em>.</p>
- </section>
-
- <section>
<h3>Cryptocurrency Payment (Bitcoin, Ripple)</h3>
<p>
The following scenario outlines an ideal payment experience using Bitcoin, or a
@@ -2534,6 +2524,16 @@
</ul>
</section>
+ <section>
+ <h3>Electronic Cheque Payment</h3>
+ <p><em>To be completed</em>.</p>
+ </section>
+
+ <section>
+ <h3>Credit Transfer / Direct Debit</h3>
+ <p><em>To be completed</em>.</p>
+ </section>
+
</section>
<section class="appendix">