Re: Proposed addition to list of approved card networks: cartes bancaires (cb)

From my own experience in standardisation on those types of issues, we 
never reach a way to establish such a classification and, as far as I 
know, no registration authority succeeded in establishing such a list at 
worldwide level so far (we perfectly understand that organisations such as 
Worldpay and others maintain their own list).

I'm not saying here that it is not worth trying to establish such a 
classificiation, but if one should establish such a list,  it seems to me 
that ISO would be the best candidate to do it (with the appropriate 
Registration Authority to further identify).

I understand the importance of achieving such a list in the context of our 
model but I wonder about who would be entitled to establishing such 
criteria and on what basis.

The option of accepting any code based on a formal application submitted 
by a given scheme would possibly make sense since it would a) ensure that 
we do not register a code outside of any formal/legal agreement coming 
from a scheme and b) there is some incentive for the scheme to apply for 
such a code to be part of the game. Furthermore, it would make the scheme 
liable for communicating an appropriate code to W3C and not the other way 
around.

Conclusion: we definitely need to address this issue further in our 
meetings, but a pragmatic approach should certainly be the main driver in 
order to avoid spending weeks or months on an issue that may appear more 
complex than we initially anticipated.

William



De :    "Telford-Reed, Nick" <Nick.Telford-Reed@worldpay.com>
A :     "William-Vanobberghen@cartes-bancaires.com" 
<William-Vanobberghen@cartes-bancaires.com>
Cc :    Payments WG <public-payments-wg@w3.org>
Date :  24/02/2017 09:45
Objet : Re: Proposed addition to list of approved card networks: cartes 
bancaires  (cb)



That's exactly my point William. I don't believe we did establish such 
criteria though I'd be happy to be corrected. I'd like to have a 
consistent process so we can treat each scheme exactly the same. 

An unconstrained list of short names would be bad for implementers and bad 
for consumers (no fully qualified URL-based payment method identifier 
means in my opinion the potential of uneven application of the manifests 
that would be a security control on apps for example).

In other words, I'm not saying no to CB, I'm saying let's establish the 
rules so that we can be consistent.

As I wrote previously, this is something that I think the group should 
discuss both here on the list and at next week's call.

Nick


-- 
e: nick.telford-reed@worldpay.com
m: +447799473854
From: William-Vanobberghen@cartes-bancaires.com
Sent: Friday, 24 February 2017 8:10 am
To: "Telford-Reed, Nick" 
CC: Ian Jacobs ,Payments WG 
Subject: Re: Proposed addition to list of approved card networks: cartes 
bancaires (cb)


Nick, 

On what basis or criteria did we establish the current list then? 

William 




De :        "Telford-Reed, Nick" <Nick.Telford-Reed@worldpay.com> 
A :        Ian Jacobs <ij@w3.org>, Payments WG <public-payments-wg@w3.org> 

Cc :        William Vanobberghen 
<William-Vanobberghen@cartes-bancaires.com> 
Date :        24/02/2017 08:57 
Objet :        Re: Proposed addition to list of approved card networks: 
cartes bancaires  (cb) 



I would counter-propose that we establish criteria for creating a short 
name for a card scheme before we add any more. There are very many 
domestic card schemes in the world as well as white-labels, store cards 
and others. I am concerned about maintenance, security and fairness here. 
FWIW my preference is for no short names at all. 

One for the next call I think 

Nick 
-- 
e: nick.telford-reed@worldpay.com 
m: +447799473854 
From: Ian Jacobs 
Sent: Thursday, 23 February 2017 6:33 pm
To: Payments WG 
CC: William Vanobberghen 
Subject: Proposed addition to list of approved card networks: cartes 
bancaires (cb)


Hi all,

I’d like to propose that we add cartes bancaires [0] as “cb” to our list 
of approved card networks [1].

Ian

[0] http://www.cartes-bancaires.com/

[1] https://www.w3.org/Payments/card-network-ids


--
Ian Jacobs <ij@w3.org>
https://www.w3.org/People/Jacobs/

Tel: +1 718 260 9447







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and not authorised or endorsed by Worldpay. Worldpay does not accept 
responsibility for viruses or any loss or damage arising from transmission 
or access.

Worldpay (UK) Limited (Company No: 07316500/ Financial Conduct Authority 
No: 530923), Worldpay Limited (Company No:03424752 / Financial Conduct 
Authority No: 504504), Worldpay AP Limited (Company No: 05593466 / 
Financial Conduct Authority No: 502597). Registered Office: The Walbrook 
Building, 25 Walbrook, London EC4N 8AF and authorised by the Financial 
Conduct Authority under the Payment Service Regulations 2009 for the 
provision of payment services. Worldpay (UK) Limited is authorised and 
regulated by the Financial Conduct Authority for consumer credit 
activities. Worldpay B.V. (WPBV) has its registered office in Amsterdam, 
the Netherlands (Handelsregister KvK no. 60494344). WPBV holds a licence 
from and is included in the register kept by De Nederlandsche Bank, which 
registration can be consulted through www.dnb.nl. Worldpay, the logo and 
any associated brand names are trade marks of the Worldpay group.






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Ce message et toutes les pièces jointes sont confidentiels et établis à l'intention exclusive de ses destinataires. Toute utilisation ou diffusion non autorisée est interdite. Tout message électronique est  susceptible d'altération. Le Groupement des Cartes Bancaires "CB" décline toute responsabilité au titre de ce message s'il a été altéré, déformé ou falsifié.


This message and any attachments are confidential and intended solely for the addressees. Any unauthorised use or dissemination is prohibited. E-mails are susceptible to alteration. Groupement des Cartes bancaires "CB" shall not be liable for the message if altered, changed or falsified.