- From: Anders Rundgren <anders.rundgren.net@gmail.com>
- Date: Mon, 19 Aug 2019 21:21:14 +0200
- To: KETELS Kris <Kris.KETELS@swift.com>, William Vanobberghen <william-vanobberghen@cartes-bancaires.com>
- Cc: Web Payments Working Group <public-payments-wg@w3.org>
Dear Kris and William, There is nowadays quite a bunch mobile payment systems which like Saturn have almost nothing in common with 7816-based card-schemes. These systems typically also eliminate the card terminal; the phone/mobile device presents the payment request and it is (client-wise) fully authorized there as well. This impacts on the rest of the infrastructure. https://cyberphone.github.io/doc/saturn/personal-payment-terminal.pdf Most of these systems are proprietary and require NDAs for closer studies. This 167(!)-page document https://www.europeanpaymentscouncil.eu/sites/default/files/kb/file/2019-06/MSG%20MSCT%20026-18v09%20MSCT%20IIGs.pdf from the European Payment Council suggests that all those national players like Swish, iDEAL, PayLib, etc. should create an interoperability network. That will most likely never happen because 1) the vendors lack incentive 2) it would be technically, commercially and politically close to infeasible which is one of the motivations behind Saturn. So the situation (standards-wise) for mobile payments beyond EMV/NFC emulation like Apple and Google Pay is AFAICT currently pretty much zero. Kind regards, Anders
Received on Monday, 19 August 2019 19:21:41 UTC