--- a/latest/use-cases/index.html Tue Jul 07 23:36:52 2015 -0400
+++ b/latest/use-cases/index.html Tue Jul 07 23:58:19 2015 -0400
@@ -2537,9 +2537,9 @@
<p>
The following scenario outlines an ideal payment experience using a
Direct Debit (<a>payee-initiated payment</a>), also known as a
-<a>pull payment</a> in the context of a <a>four corner model</a> payment.
+<a>pull payment</a> in the context of a <a>four corner model</a> payment.
In this scenario, Anna is signing up for electricity service via the
-service's website. During the payment process she will validate an electronic
+service's website. During the payment process she will validate an electronic
direct debit mandate.
</p>
@@ -2547,15 +2547,15 @@
<h4>Negotiation of Purchase Terms</h4>
<ul>
<li>
-<strong>Discovery of Offer</strong>: Anna connects to a utility website. She
+<strong>Discovery of Offer</strong>: Anna connects to a utility website. She
wants to setup this new utility immediately before she moves in to a new flat.
</li>
<li>
-<strong>Agreement on Terms</strong>: Anna selects the contract she wants and
+<strong>Agreement on Terms</strong>: Anna selects the contract she wants and
agrees to the terms and service associated with the delivery of electricity.
</li>
<li>
-<strong>Application of Marketing Elements</strong>: <em>Not applicable to this
+<strong>Application of Marketing Elements</strong>: <em>Not applicable to this
particular use case.</em>
</li>
</ul>
@@ -2565,20 +2565,20 @@
<h4>Negotiation of Payment Instruments</h4>
<ul>
<li>
-<strong>Discovery of Accepted Schemes</strong>: The utility website takes
+<strong>Discovery of Accepted Schemes</strong>: The utility website takes
Visa, MasterCard, and SEPA Direct Debit for payment.
</li>
<li>
-<strong>Selection of Payment Instruments</strong>: Anna chooses SEPA Direct
+<strong>Selection of Payment Instruments</strong>: Anna chooses SEPA Direct
Debit for payment.
</li>
<li>
<strong>Authentication to Access Instruments</strong>: Anna provides
-all the mandatory data required for a valid electronic SEPA Direct Debit
-Mandate as well as the IBAN number associated with Anna's account. Anna is
-told that she is setting up a recurring payment with the utility and the
-payment will be automatically withdrawn at the end of the month based on
-her electricity consumption. She agrees to the automatic transfer by
+all the mandatory data required for a valid electronic SEPA Direct Debit
+Mandate as well as the IBAN number associated with Anna's account. Anna is
+told that she is setting up a recurring payment with the utility and the
+payment will be automatically withdrawn at the end of the month based on
+her electricity consumption. She agrees to the automatic transfer by
entering her secret PIN.
</li>
</ul>
@@ -2588,13 +2588,13 @@
<h4>Payment Processing</h4>
<ul>
<li>
-<strong>Initiation of Processing</strong>: At the end of the month the utility
-invoice system will initiate the payment by sending an invoice by email
+<strong>Initiation of Processing</strong>: At the end of the month the utility
+invoice system will initiate the payment by sending an invoice by email
that will be sent directly to Anna's payment service provider.
</li>
<li>
-<strong>Verification of Available Funds</strong>: Not applicable to this
-particular use case.
+<strong>Verification of Available Funds</strong>: <em>Not applicable to this
+particular use case.</em>
</li>
<li>
<strong>Authorization of Transfer</strong>: Anna's payment service provider
@@ -2602,7 +2602,7 @@
Anna during the <strong>Authentication to Access Instruments</strong> phase.
</li>
<li>
-<strong>Completion of Transfer</strong>: The utility website gets a message
+<strong>Completion of Transfer</strong>: The utility website gets a message
from its payment service provider that the transfer has been completed.
</li>
</ul>
@@ -2612,16 +2612,16 @@
<h4>Delivery of Product/Receipt and Refunds</h4>
<ul>
<li>
-<strong>Delivery of Receipt</strong>: The utility website sees that Anna's
-direct debit mandate has been validated and sends a receipt message to her
+<strong>Delivery of Receipt</strong>: The utility website sees that Anna's
+direct debit mandate has been validated and sends a receipt message to her
digital wallet.
</li>
<li>
-<strong>Delivery of Product</strong>: The utility website sends an email to
+<strong>Delivery of Product</strong>: The utility website sends an email to
Anna with the contract information.
</li>
<li>
-<strong>Refunds</strong>: Anna could request a refund by contacting her bank
+<strong>Refunds</strong>: Anna could request a refund by contacting her bank
if something goes wrong with the Direct Debit.
</li>
</ul>
@@ -2630,7 +2630,96 @@
<section>
<h3>Credit Transfer</h3>
+ <p>
+The following scenario outlines an ideal payment experience using a
+<a>payer-initiated payment</a>, also known as a
+<a>push payment</a> in the context of a <a>four corner model</a> payment. In
+this scenario, Anna is buying a very expensive piece of furniture that costs
+far more than the maximum amount allowed by her payment card. She pays
+using her bank account via her bank's website.
+ </p>
+ <section class="notoc">
+ <h4>Negotiation of Purchase Terms</h4>
+ <ul>
+ <li>
+<strong>Discovery of Offer</strong>: Anna browses a Furniture website.
+She wants to buy a desk for her new flat.
+ </li>
+ <li>
+<strong>Agreement on Terms</strong>: Anna selects a heavy oak antique desk
+from the 17th century.
+ </li>
+ <li>
+<strong>Application of Marketing Elements</strong>: <em>Not applicable to this
+particular use case.</em>
+ </li>
+ </ul>
+ </section>
+
+ <section class="notoc">
+ <h4>Negotiation of Payment Instruments</h4>
+ <ul>
+ <li>
+<strong>Discovery of Accepted Schemes</strong>: The furniture website takes
+Visa, MasterCard, and SEPA "Credit Transfer via SEPAmail" for payment.
+ </li>
+ <li>
+<strong>Selection of Payment Instruments</strong>: Anna chooses
+"Credit Transfer via SEPAmail" for payment and provides a tokenized version
+of her IBAN account number. The furniture website sends a "payment request"
+to its payment service provider which will forward it to Anna’s bank.
+ </li>
+ <li>
+<strong>Authentication to Access Instruments</strong>: Anna connects to her
+bank's website where the payment request is pending approval.
+ </li>
+ </ul>
+ </section>
+
+ <section class="notoc">
+ <h4>Payment Processing</h4>
+ <ul>
+ <li>
+<strong>Initiation of Processing</strong>: Anna approves the payment request.
+ </li>
+ <li>
+<strong>Verification of Available Funds</strong>: The availability of
+funds is verified by Anna's bank.
+ </li>
+ <li>
+<strong>Authorization of Transfer</strong>: The funds transfer is automatically
+authorized by Anna's bank.
+ </li>
+ <li>
+<strong>Completion of Transfer</strong>: Anna's bank sends the Credit Transfer,
+as well as a payment-report (analogous to a signed receipt) to the furniture
+website's payment service provider. The furniture website gets a message
+(also known as a "payment advice") from its payment service provider that the
+transfer is complete depending of the Scheme of Credit Transfer used:
+within 24 hours for a SEPA Credit Transfer, often longer in International
+Credit Transfer outside Europe.
+ </li>
+ </ul>
+ </section>
+
+ <section class="notoc">
+ <h4>Delivery of Product/Receipt and Refunds</h4>
+ <ul>
+ <li>
+<strong>Delivery of Receipt</strong>: The furniture website sees that Anna's
+credit transfer has been received and sends a receipt message by email to Anna.
+ </li>
+ <li>
+<strong>Delivery of Product</strong>: The piece of furniture is shipped to
+Anna.
+ </li>
+ <li>
+<strong>Refunds</strong>: Anna must contact the furniture website directly
+since the credit transfer cannot be reversed since she initiated it.
+ </li>
+ </ul>
+ </section>
</section>
</section>