comments on draft Payment Architecture WG charter

Here are two comments on the draft charter at:
https://www.w3.org/Payments/IG/wiki/Roadmap/PaymentArchitectureWG
in particular, on the revision:
https://www.w3.org/Payments/IG/wiki/index.php?title=Roadmap/PaymentArchitectureWG&oldid=1995

(1) In the Scope section, it currently says:
      #  Discovery of available payment instruments that can be used
      #  by matching those registered by the payer with those
      #  supported by the payee (as defined in the Payment Request). 

    I think there was agreement in the discussions at the
    face-to-face that the selection of payment instrument is done by
    the payer, since we don't (for privacy reasons) want to expose
    all available payment instruments to the Web site.  This is even
    explicitly stated in the following bullet.  Despite that, I
    think the term "Discovery" is still a little bit jarring (since
    it suggests a discovery API).

    While I don't have a better term to offer, I think at least it
    could be clarified more locally by adding a clarifying
    statement, such as "so that an instrument can be selected by the
    payer" at the end or something like "local to the payer" or
    "while keeping information local to the payer".

(2) Some parts of the "Web Payment Vocabularies 1.0"
    deliverable's description seem too specific.  In particular, I'd
    like to remove the entire (fourth) bullet point:

      #  *  For each vocabulary, the Working Group will create at
      #     least a JSON-LD serialization and may create additional
      #     serializations (e.g., XML). 

    I'd prefer that the group not be constrained to those particular
    technical solutions.

    I also wonder whether some of the first three notes in that
    section might also be too specific; it's hard for me to tell as
    they're far from my areas of expertise.

-David
  (at flight level 36,000 feet, above Nevada)

-- 
𝄞   L. David Baron                         http://dbaron.org/   𝄂
𝄢   Mozilla                          https://www.mozilla.org/   𝄂
             Before I built a wall I'd ask to know
             What I was walling in or walling out,
             And to whom I was like to give offense.
               - Robert Frost, Mending Wall (1914)