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Re: ISO 20022 Re: SEPA Credit Transfer + W3C PaymentRequest

From: Colinde <ulrike.linde@colinde.de>
Date: Tue, 20 Aug 2019 07:20:58 +0200
Cc: KETELS Kris <Kris.KETELS@swift.com>, William Vanobberghen <william-vanobberghen@cartes-bancaires.com>, Web Payments Working Group <public-payments-wg@w3.org>
Message-Id: <9B368EF1-100E-4D9C-A28B-3D0B9CF72D74@colinde.de>
To: Anders Rundgren <anders.rundgren.net@gmail.com>

did you analyze the Berlin Group API for online initiation of Credit Transfers?

Ulrike Linde

Strategien für die digitale Gesellschaft
Altenberger Weg 11
13156 Berlin
M +49 179 21 22 548

> Am 19.08.2019 um 21:21 schrieb Anders Rundgren <anders.rundgren.net@gmail.com>:
> 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 Tuesday, 20 August 2019 12:27:23 UTC

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