[webpayments] [Architecture] Payment App is a term used in EMV to describe the applet stored in SC (#31)

Migrated from a thread on the Web Payments IG mailing list:
https://lists.w3.org/Archives/Public/public-webpayments-ig/2015Dec/0039.html

There is not a 1:1 relationship between a payment app and a payment instrument. I will update the documentation because this is misleading.

A payment app is more akin to a wallet but by using this terminology we do away with the fact that the wallet metaphor has not worked in our context.

For example, a user may register a payment app from their bank and this may support payments using all of the payment instruments they have from that bank.

While I recognise the closeness in terminology to EMV apps on a chip but I think the term app is most appropriate for what the component does and is sufficiently generic (and EMV sufficiently specialised a field) that this is not a problem.

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Reply to this email directly or view it on GitHub:
https://github.com/w3c/webpayments/issues/31