W3C home > Mailing lists > Public > public-payments-wg@w3.org > July 2016

Re: Encrypting basic card data

From: Adam Roach <abr@mozilla.com>
Date: Mon, 11 Jul 2016 11:07:09 -0500
To: Erik Anderson <eanders@pobox.com>, public-payments-wg@w3.org
Message-ID: <7a00faec-1423-8663-3198-81cd296c9ba9@mozilla.com>
Erik --

You're off in the weeds here. The work proposed for Payments v1 is no 
worse -- and is, in many ways, better -- that the current situation, 
security-wise. For this kind of work, improvement is a process, not an 

So, we can spend years overengineering something that would likely 
become theoretical, cumbersome, perfect, and undeployable -- which is 
what you're proposing -- while the security situation on the deployed 
web remains the same as it is today. Or we can embark on a series of 
incremental improvements, bringing the existing ecosystem along with us 
while we do, so that we eventually reach a much more secure situation.

One path leads to irrelevance, defeat, and stagnation. The other is 
deliberate, steady progress. It's basically the XHTML 4.01 versus HTML 5 
story all over again. I'd like to think we learned that lesson.


On 7/11/16 10:24 AM, Erik Anderson wrote:
> >  How is the current Basic Card mechanism any less secure than what 
> is done today using web forms to capture card details?
> Adrian, time.... Time changes everything, Chip-n-pin is causing fraud 
> to move away from the Merchant terminal to online. Laws are changing 
> quickly to adjust.
> Paypal was successful because they wrote a secure application in an 
> unsecure environment. They worked around all of the issues.
> Paypal follows the best practices, assumes liability for fraud 
> transactions, and required financial standards.
> If all you want to achieve with v1 is social payments (not financial 
> payments) or optimize checkout then do whatever.
> However, credit cards, checks, and consumer data is closely regulated 
> and consumers have legal protection.
> I am not sure why payment security topics are such an anti-pattern 
> topic at W3C.
> Erik Anderson
> Bloomberg

Adam Roach
Principal Platform Engineer
+1 650 903 0800 x863
Received on Monday, 11 July 2016 16:09:34 UTC

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