- From: Anders Rundgren <anders.rundgren.net@gmail.com>
- Date: Fri, 26 Aug 2016 07:15:32 +0200
- To: Web Payments IG <public-webpayments-ig@w3.org>
Dear All, When I first begin looking into payments I (without really thinking too much about it), came up with a "Push" payment system. Push indeed has certain undeniable qualities like not exposing customer data to merchants as well as supporting bank-specific authentication methods. However, if the goal is supporting a wider range of payment scenarios, "Push" doesn't seem to be the optimal approach. So far I have identified the following disadvantages: - Considerably more complex "Wallets" which have to deal with two independent but cooperating channels and unspecified user-authentication will most likely lead to each bank rolling their own - Incompatible with automated gas stations, subscriptions, bookings etc. which all depend on some kind of "pull" method - Adds dependency on Internet connectivity also for local payments It is also worth keeping in mind that "pull" payments is the de-facto standard for local card-payments so it obviously works. Anders Rundgren Principal, WebPKI.org
Received on Friday, 26 August 2016 05:16:12 UTC