- From: Adrian Hope-Bailie <adrian@hopebailie.com>
- Date: Tue, 8 Dec 2015 19:03:39 +0200
- To: Shane McCarron <shane@halindrome.com>
- Cc: "public-webpayments-ig@w3.org" <public-webpayments-ig@w3.org>
- Message-ID: <CA+eFz_JTGrJczyuPAbdLYqQLKhe0JDq359TJA-2tzM6Sxes1mw@mail.gmail.com>
Moved to the issues list: https://github.com/w3c/webpayments/issues/31 On 8 December 2015 at 17:51, Shane McCarron <shane@halindrome.com> wrote: > > > On Tue, Dec 8, 2015 at 9:08 AM, Dave Longley <dlongley@digitalbazaar.com> > wrote: > >> Payment device/mechanism/credential? > > > Unless I misunderstand the definition (and my restatement of that > definition) none of these really match it. > > >> >> >> 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 >>> > > >>> > > 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. >>> > > >>> > > 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. >>> > > >>> > > >>> >>> 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. >>> >>> 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. >> http://digitalbazaar.com >> > > > > -- > -Shane >
Received on Tuesday, 8 December 2015 17:04:18 UTC