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Re: [Tokenization] Attempt to synthesize Token Usage Type from 1 May discussion

From: Peter Saint-Andre <stpeter@mozilla.com>
Date: Wed, 2 May 2018 11:07:11 -0600
To: Ian Jacobs <ij@w3.org>, Web Payments Working Group <public-payments-wg@w3.org>
Cc: "Patel, Keyur" <keyur.patel@mastercard.com>, Richard Garreth Waller <Richard.G.Waller@aexp.com>, "Dix, Simon" <Simon.Dix@mastercard.com>
Message-ID: <f0c30b80-8acf-b778-ec50-934210c50f85@mozilla.com>
Thanks, Ian! One comment inline.

On 5/2/18 10:03 AM, Ian Jacobs wrote:
> Tokenization Task Force participants,
> Yesterday we discussed [1] tokenization use cases and corresponding request data requirements
> related to "token usage types”. I’ve updated the spec [2] based on the discussion and welcome
> review. I’ve pasted the new text below as well. 
> Ian
> [1] https://www.w3.org/2018/05/01-wpwg-minutes
> [2] https://w3c.github.io/webpayments-methods-tokenization/
> ====
> Token Usage Type values
> * "one-time"
>    The payee expects to use the token only once (e.g., for guest checkout).

Do we want to conflate one-time-use token and guest checkout? In my
experience, guest checkout allows you to not create an account at a
merchant website, whereas creating an account does not necessarily
involve allowing the merchant to store a card on file for future use
(but might be convenient to view past orders, create a wishlist, etc.).

Also, we noted in the conversation yesterday that a one-time-use token
might involve multiple charges (e.g., because of split shipments). I'm
not yet sure how that factors in...


> * "card-on-file"
>    The payee expects to re-use the token for as yet uknown future transactions, including payer-initiated transactions and payee-initiated transactions (e.g., for partial shipment, incremental charges, and resubmission use cases). Whether and how the payee requests a new Token Cryptogram for future transactions is outside the scope of this specification.
> * "recurring"
>   The payee expects to re-use the token exclusively for a recurring payment according to an agreement with the payer.
> --
> Ian Jacobs <ij@w3.org>
> https://www.w3.org/People/Jacobs/
> Tel: +1 718 260 9447

Received on Wednesday, 2 May 2018 17:07:38 UTC

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