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

Payment device/mechanism/credential?

On 12/08/2015 08:42 AM, David Jackson wrote:
> 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).
>
> 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)"
>
> 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.
>
> 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?
>
> On Tue, Dec 8, 2015 at 7:03 AM, David Jackson
> <david.dj.jackson@oracle.com <mailto:david.dj.jackson@oracle.com>> wrote:
>
>     Payment method?
>
>     --
>     David Jackson | Senior Director Financial Services
>     Mobile: +16145601237 <tel:%2B16145601237> | VOIP: +16144656654
>     <tel:%2B16144656654>
>     Oracle Industry Solutions Group
>     New York City | Columbus, Ohio
>
>
>
>
>     -----Original Message-----
>     From: Telford-Reed, Nick [mailto:Nick.Telford-Reed@worldpay.com
>     <mailto:Nick.Telford-Reed@worldpay.com>]
>     Sent: Tuesday, December 08, 2015 6:51 AM
>     To: nshearer@apple.com <mailto:nshearer@apple.com>;
>     Joerg.Heuer@telekom.de <mailto:Joerg.Heuer@telekom.de>
>     Cc: David_E3@VERIFONE.com; public-webpayments-ig@w3.org
>     <mailto: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
>     <mailto:nick.telford-reed@worldpay.com> | m: +447799473854
>     <tel:%2B447799473854> | t: +44 203 664 5069
>     <tel:%2B44%20203%20664%205069>
>
>
>      > -----Original Message-----
>      > From: nshearer@apple.com <mailto:nshearer@apple.com>
>     [mailto:nshearer@apple.com <mailto:nshearer@apple.com>]
>      > Sent: 07 December 2015 22:40
>      > To: Joerg.Heuer@telekom.de <mailto:Joerg.Heuer@telekom.de>
>      > Cc: Telford-Reed, Nick; David_E3@VERIFONE.com; public-webpayments-
>      > ig@w3.org <mailto: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
>     <mailto: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
>     <mailto:Nick.Telford-Reed@worldpay.com>]
>      > > Sent: Samstag, 5. Dezember 2015 16:49
>      > > To: 'David Ezell'; public-webpayments-ig@w3.org
>     <mailto: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
>     <mailto:nick.telford-reed@worldpay.com> | m: +447799473854
>     <tel:%2B447799473854> | t: +44 203
>      > > 664
>      > > 5069
>      > >
>      > >
>      > >> -----Original Message-----
>      > >> From: David Ezell [mailto:David_E3@VERIFONE.com
>     <mailto:David_E3@VERIFONE.com>]
>      > >> Sent: 04 December 2015 19:50
>      > >> To: public-webpayments-ig@w3.org
>     <mailto: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
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>     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.
>
>     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
>     <http://www.dnb.nl>. Worldpay, the logo and any associated brand
>     names are trade marks of the Worldpay group.
>
>
>
>
>
> --
> -Shane


-- 
Dave Longley
CTO
Digital Bazaar, Inc.
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Received on Tuesday, 8 December 2015 15:08:59 UTC