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Re: Automotive Payments

From: Ted Guild <ted@w3.org>
Date: Thu, 21 Jun 2018 10:06:49 -0400
Message-ID: <1529590009.6576.169.camel@w3.org>
To: public-automotive-pay <public-automotive-pay@w3.org>
While both the W3C Automotive and Web Commerce activities are
proceeding strongly with specifications being implemented and new areas
  explored, we have not been successful yet align with any of the major
payment solution providers in automotive. Essentially there are
competing efforts to get proprietary solutions out quickly as was Matt
Miller's opinion from Mastercard. There are people asking for a more
standards based solution.


Solutions based on W3C Web Payments in vehicles are feasible. I spoke
with Rodrigo on today's call about WEX's prototyping and lessons
learned. Various data points from vehicle signals they would like to
capture for fraud reduction and fleet management.


There is a separate task force on using W3C's vehicle signals standards
for sending data to the cloud, adding an ontology, providing data
contracts and capturing owner/operator consent to collect and share
that information with third parties. This effort is not addressing
financial transactions but certainly of interest for fleet management.

One of the challenges Ian and I debate is how the auto manufacturers
want and need to ensure a consistent user interface and experience. A
head unit in a vehicle would generally not go directly to a merchant
site to make a payment for gas, tolls, parking etc. Design would be
inconsistent and confusing. I could see the auto manufacturers or
service providers creating a web based proxy service that would
leverage W3C Web Payments, interact with the backend merchant sites yet
present a more uniform interface to the driver. There are certainly
other ways to architect a solution that could still leverage W3C Web

There may be other aspects of a complete (partially proprietary)
payment solution that could benefit from W3C automotive and other
standards, WebAuthN for instance.

We are continuing to meet with solution providers and want to hear from
this group on whether and how W3C should continue in this automotive &
payments intersection.

On Wed, 2018-06-20 at 13:43 -0400, Ted Guild wrote:
> Ian and I have been meeting with some stakeholders and looking for
> how
> to vitalize this effort.  We are meeting with another tomorrow after
> our usual biweekly call time to learn about their architecture and
> interests.
> To be honest there has not been considerable momentum and we are not
> seeing alignment with some of the solution providers in this space we
> have been talking with on utilizing W3C Web Payments.
> Ian has a conflict but I will be on the call tomorrow to answer any
> questions and also enlist input on the direction this task force
> should
> take or whether we should suspend the task force.

Ted Guild <ted@w3.org>
W3C Automotive Lead
Received on Thursday, 21 June 2018 14:06:52 UTC

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