Re: Expectation to merge tokenization and 3DS task forces; upcoming schedule

Good evening.

I know I am new to this group, and don't have all of the history of these
working groups at hand for context, but I'll throw in my opinion for what
its worth.

I think approaching a topic such as this and focusing only on cards is a
lost opportunity.

In my mind, reaching out to some external party to verify a cardholder
(3DS/SRC/etc) is no different from reaching out to something like
PayPal/etc. that doesn't have a card.  In both cases, you are asking some
entity for permission to authorize payment related to some
transaction/invoice/etc., and the result of that is some  "token" that can
be passed back to whomever is requesting authorization, then through to
whatever is responsible for dealing with that "token".   In the case of
PayPal, that is some token that you get back from them that is only
meaningful to PayPal.  In the case of a card, it could be some encrypted
payload that contains all of the information necessary, similar to what
ApplePay produces, or some opaque identifier that references card
information that would already be saved with the ultimate recipient of the
token.

The interaction - from the point of view of an API consumer - shouldn't
need to be different just because it is a card.  I was very happy to hear
Adrian's pitch to unify this effort, and would very much prefer that the
specification head in that direction.

David

On Tue, Oct 30, 2018 at 7:32 AM, Ian Jacobs <ij@w3.org> wrote:

>
>
> > On Oct 30, 2018, at 5:37 AM, Adrian Hope-Bailie <adrian@coil.com> wrote:
> >
> > Ian,
> >
> > Can you confirm what the scope of this group is?
> >
> > I heard support at TPAC for my proposal to work on a generic
> tokenisation spec but not sure if we should do this separately or as part
> of this combined group?
>
> I think we should separate it out into another effort.
>
> Ian
>
> >
> > Adrian
> >
> > On Mon, 29 Oct 2018 at 19:56, Ian Jacobs <ij@w3.org> wrote:
> > Dear Web Payments Working Group,
> >
> > Based on conversation last week, we plan to merge the Tokenization and
> 3DS task forces.
> >
> > Ordinarily both would meet this week, but due to my own schedule I will
> not have time to
> > organize substantive discussion. Thus, I am canceling the tokenization
> call on 30 October
> > and the 3DS call on 31 October.
> >
> > I will follow up soon with a revised schedule for the merged task
> forces. The first meeting
> > will likely be the week of 12 November.
> >
> > Thank you,
> >
> > Ian
> >
> > --
> > Ian Jacobs <ij@w3.org>
> > https://www.w3.org/People/Jacobs/
> > Tel: +1 718 260 9447
> >
> >
> >
> >
> >
>
> --
> Ian Jacobs <ij@w3.org>
> https://www.w3.org/People/Jacobs/
> Tel: +1 718 260 9447
>
>
>
>
>
>


-- 

David Benoit

*Chief Technology Officer*

benoit@withreach.com | +1 514 701 0419
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