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RE: Minutes [Was: [Agenda] 5 September Tokenization Task Force call]

From: Steve Sommers <steve@shift4.com>
Date: Tue, 5 Sep 2017 17:06:28 +0000
To: 'Ian Jacobs' <ij@w3.org>, Payments WG <public-payments-wg@w3.org>
Message-ID: <CF20D77A1CB1C34BA3338F5F7C4C8A31102F8E42@S4-MAIL02.shift4.com>
Sorry, I was not able to attend. One comment in reading the minutes:

RE: "Sachin: I think it makes more sense to manage these two as separate specs
 ... I think we should address encrypted card and network tokens separately for now
 ... and later see if we want to merge"

+1

The whole basis for tokenization is that tokens cannot be decrypted. Tokens should not be mathematically related to the data they are protecting. For specific scenarios, encryption is a must - including behind the scenes for tokenization (I.E. the referenced vault), but including encryption support within a tokenization spec defeats its biggest benefit - IMHO.

To me, secure passing of card data like this should happen behind the scenes, outside the merchant environment, provider to provider with the payment API passing provider information. Maybe this could be a separate card/token exchange spec for providers to use. I intentionally used "provider" here as a provider could be a card network (brand), processor, gateway, or even a merchant hosted tokenization vault of some sort.


Steve Sommers
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-----Original Message-----
From: Ian Jacobs [mailto:ij@w3.org]
Sent: Tuesday, September 05, 2017 9:39 AM
To: Payments WG
Subject: Minutes [Was: [Agenda] 5 September Tokenization Task Force call]

Hi all,

Minutes from today’s call:
 https://www.w3.org/2017/09/05-wpwg-minutes.html


Next meeting: 19 September

Ian


> On Sep 4, 2017, at 8:23 AM, Ian Jacobs <ij@w3.org> wrote:
>
> Participants in the tokenization task force,
>
> Our next call takes place 5 September at 11:30am-12:30pm ET.
> We will meet on irc.w3.org on #wpwg.
>
> Previous call: 22 August:
>  https://www.w3.org/2017/08/22-wpwg-minutes

>
> Ian
>
> ======
> Agenda
>
> * Review NEW draft “Encrypted Card Payment Method” (Olivier)
>   https://github.com/w3c/webpayments-methods-tokenization/wiki/encrypted_card

>
> * Next meeting. Proposed 19 September.
>   - Question: will we have updates to network tokenization spec by then? (or requires another week?)
>
> Thank you,
>
> Ian
> --
> Ian Jacobs <ij@w3.org>
> https://www.w3.org/People/Jacobs/

> Tel: +1 718 260 9447
>
>
>
>

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

Tel: +1 718 260 9447





Received on Tuesday, 5 September 2017 17:06:59 UTC

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