Re: Web Payments IG Telcon Agenda - 2015-12-07 @ 10:00 AM Eastern Time (US) for 60 minutes

Payment service? Payment type?

David Jackson | Senior Director Financial Services
M: +1.614.570.1237 | VoIP: +1.614.465.6654
Oracle Industry Solutions Group
New York City | Columbus

Shane McCarron <shane@halindrome.com> wrote:

>Hmm - no.  Method has a connotation that (to me) makes it too easily confused / conflated with Payment Scheme (e.g., for this transaction my payment scheme/method is paypal).  
>
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>Maybe we should spend a minute expanding the definition of the term in the hopes that it will help solidify in everyone's mind what this term maps to?  The current definition reads "A piece of software that enables a payer to make payments (usually provided by the payer's PSP)"
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>Wikipedia (not definitive, I know) defines a PSP as "A payment service provider (PSP) offers shops online services for accepting electronic payments by a variety of payment methods including credit card, bank-based payments such as direct debit, bank transfer, and real-time bank transfer based on online banking."  This happens to correspond with what I think a PSP is.  And it has nothing to do with a payer.  So I am already confused when I look at our term "Payment Application" and its corresponding definition.  I also think the definition is overly simplistic.
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>I think the thing we are really trying to make up a term for is "One or more pieces of software that act as a conduit between the payer and their various funding sources, enabling the payer to make payments from one or more of those funding sources."  Before I explore this any further.... is that correct?  
>
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>On Tue, Dec 8, 2015 at 7:03 AM, David Jackson <david.dj.jackson@oracle.com> wrote:
>
>Payment method?
>
>--
>David Jackson | Senior Director Financial Services
>Mobile: +16145601237 | VOIP: +16144656654
>Oracle Industry Solutions Group
>New York City | Columbus, Ohio
>
>
>
>
>-----Original Message-----
>From: Telford-Reed, Nick [mailto:Nick.Telford-Reed@worldpay.com]
>
>Sent: Tuesday, December 08, 2015 6:51 AM
>To: nshearer@apple.com; Joerg.Heuer@telekom.de
>Cc: David_E3@VERIFONE.com; public-webpayments-ig@w3.org
>Subject: RE: Web Payments IG Telcon Agenda - 2015-12-07 @ 10:00 AM Eastern Time (US) for 60 minutes
>
>Suggestions welcome then. Payment instrument seems too esoteric for "non-payments" folk. Payment app is overloaded. Anyone got an alternative?
>
>N
>
>--
>Nick Telford-Reed
>e: nick.telford-reed@worldpay.com | m: +447799473854 | t: +44 203 664 5069
>
>
>> -----Original Message-----
>> From: nshearer@apple.com [mailto:nshearer@apple.com]
>> Sent: 07 December 2015 22:40
>> To: Joerg.Heuer@telekom.de
>> Cc: Telford-Reed, Nick; David_E3@VERIFONE.com; public-webpayments-
>> ig@w3.org
>> Subject: Re: Web Payments IG Telcon Agenda - 2015-12-07 @ 10:00 AM
>> Eastern Time (US) for 60 minutes
>>
>> Hi everyone,
>> I also could not make the call either because I was called away on
>> travel at the last minute.
>>
>> I also agree with Joerg. The argument seems to be that "payment
>> instrument" is confusing people unfamiliar with the payments space, so
>> it should be replaced with something else. It's just that "something
>> else" has a very strong and unified definition when it comes to EMV.
>> When I think of "payment app" I always think of an applet on the SE.
>>
>> Nick.
>>
>>
>> > On Dec 7, 2015, at 10:54 PM, Joerg.Heuer@telekom.de wrote:
>> >
>> > Hello Nick, all,
>> >
>> > As I won't be present in the call, let me first express my respect
>> > for the
>> work done over the last two weeks. I am really impressed!
>> >
>> > As I can't tell so myself, please take this mail as a clear 'No' to
>> > calling the
>> payment instrument an 'app'.
>> >
>> > In the mobile space apps are just so much tied to individual
>> > programs which
>> have a UI towards the user! While this might be one way in which
>> things might be done in the end, it should be made clear, that e.g. an
>> applet sitting on a Secure Element can as well be such a 'payment
>> instrument' and that it won't require another app and UI in order to be usable.
>> >
>> > Thanks,
>> >
>> >     Jörg
>> >
>> > -----Original Message-----
>> > From: Telford-Reed, Nick [mailto:Nick.Telford-Reed@worldpay.com]
>> > Sent: Samstag, 5. Dezember 2015 16:49
>> > To: 'David Ezell'; public-webpayments-ig@w3.org
>> > Subject: RE: Web Payments IG Telcon Agenda - 2015-12-07 @ 10:00 AM
>> > Eastern Time (US) for 60 minutes
>> >
>> > David
>> >
>> > Per my mail (http://lists.w3.org/Archives/Public/public-webpayments-
>> ig/2015Dec/0013.html) , can we please table the vocabulary item from
>> the working group for Monday's call?
>> >
>> > Nick
>> >
>> > --
>> > Nick Telford-Reed
>> > e: nick.telford-reed@worldpay.com | m: +447799473854 | t: +44 203
>> > 664
>> > 5069
>> >
>> >
>> >> -----Original Message-----
>> >> From: David Ezell [mailto:David_E3@VERIFONE.com]
>> >> Sent: 04 December 2015 19:50
>> >> To: public-webpayments-ig@w3.org
>> >> Subject: Web Payments IG Telcon Agenda - 2015-12-07 @ 10:00 AM
>> >> Eastern Time (US) for 60 minutes
>> >>
>> >> Agenda for the call:
>> >>
>> >> 1 Confirm agenda.  Please send agenda change requests in advance.
>> >>
>> >>   Appoint scribe.
>> >>   See:  https://www.w3.org/Payments/IG/wiki/Main_Page#scribes
>> >>
>> >> 2 Review of Task Force Proposals
>> >>
>> >>   We have several proposals for Task Forces to pursue additional work:
>> >>      https://www.w3.org/Payments/IG/wiki/Main_Page/ProposalsQ42015
>> >>
>> >>   *** IMPORTANT ***
>> >>   *** Note: for each topic, we are attempting to make a
>> >> (relatively) crisp proposal WRT problems to solve,
>> >>   *** deliverables proposed, and a timeline.  Authors of these
>> >> proposals are invited to upgrade their
>> >>   *** submissions as necessary.
>> >>
>> >>   The following proposals are remaining for a "first-pass" review:
>> >>   * Capabilities Document
>> >>
>> >>
>> https://www.w3.org/Payments/IG/wiki/Main_Page/ProposalsQ42015/Capa
>> >> bilities
>> >>   * Interledger Payments
>> >>
>> >>
>> https://www.w3.org/Payments/IG/wiki/Main_Page/ProposalsQ42015/Interl
>
>> >
>> >> edger
>> >>
>> >>   Updates (time permitting):
>> >>   * ISO20022 Harmonization
>> >>
>> >>
>> https://www.w3.org/Payments/IG/wiki/Main_Page/ProposalsQ42015/ISO20
>> >> 022_Harmonization_Task_Force
>> >>   * Verifiable Claims
>> >>
>> >>
>> https://www.w3.org/Payments/IG/wiki/Main_Page/ProposalsQ42015/Cred
>> >> entials
>> >>      It looks as though the following proposals will end up being
>> >> subsumed into Verifiable Claims:
>> >>        ** Identity Provider TF Proposal
>> >>
>> >>
>> https://www.w3.org/Payments/IG/wiki/Main_Page/ProposalsQ42015/IdP_T
>> >> F
>> >>        ** Tokenization
>> >>
>> >>
>> https://www.w3.org/Payments/IG/wiki/Main_Page/ProposalsQ42015/Toke
>> >> nization_TF
>> >>
>> >> ------
>> >>
>> >> Telcon Information
>> >> ===============
>> >> IRC Channel:
>> >> #wpay
>> >> IG home page: http://www.w3.org/Payments/IG/
>> >>
>> >> WebEx (voice) see:
>> >> http://www.w3.org/2015/11/wpig.ics
>> >>
>> >> For details on meeting participation see
>> >>
>> https://www.w3.org/Payments/IG/wiki/Main_Page#Teleconference_Logisti
>
>> >
>> >> cs
>> >
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>This e-mail and any attachments are confidential, intended only for the addressee and may be privileged. If you have received this e-mail in error, please notify the sender immediately and delete it. Any content that does not relate to the business of Worldpay is personal to the sender and not authorised or endorsed by Worldpay. Worldpay does not accept responsibility for viruses or any loss or damage arising from transmission or access.
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>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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>-- 
>
>-Shane
>