- From: Manu Sporny <msporny@digitalbazaar.com>
- Date: Wed, 25 Feb 2015 21:18:18 -0500
- To: public-webpayments-ig@w3.org
On 02/25/2015 12:42 AM, chaals@yandex-team.ru wrote: > https://www.w3.org/Payments/IG/wiki/ExecSummary Thoughts below: > A fast and significant adoption of the technology (>100M+ in the first two years). +1 > Level playing field (aka fair competition) for merchants, payment providers, customers, software vendors, and payment networks. +1 > A great reduction in "stolen card" transaction fraud. +0.9 - why the quotes? Or rather, if we're quoting it, it may mean that we mean something nuanced, which will most likely be lost on the reader. I'm bike-shedding here, so feel free to ignore unless this is an issue for someone else. > A great reduction in the amount of custom software that a merchant must write to integrate with new payment products. +1 > Removal of the need for a merchant to hold on to sensitive customer data. +0.8, what about s/hold on to/handle/ ? > Greatly reduced payment provider switching costs for customers and merchants. +1 > Does not add (ideally reduces) the time required to make a payment +1 I think we should start collecting timing statistics for how long it takes to check out at popular online stores both with and without a pre-created user account. > Enables value-added services to help payers +0.5 - while I agree with the statement, it feels a bit too vague. What about: Enables a vibrant value-added service ecosystem to be built into customer-facing payment software. > Requires as little new technology and as few standards as possible +1 > Enables anyone to understand what they are doing (esp. its cost) when they make a payment to another person (or system or company or object) +0.5, vague. "understand what they are doing" is a bit vague. s/to another person (or system or company or object)// What about: Enables payers to understand the details of a payment, especially the associated costs and fees. > Does not interfere with the ability to meet regulatory requirements +0.6, what about: Does not interfere with the ability to meet regulatory requirements, and in some instances, smooths the regulatory compliance process for all parties involved. > Enables people to "take their money out of the system" -1, too vague. What do you mean by "take their money out of the system". Possible readings are: - Make it easy to do ATM withdrawals. - Help Julian Assange not have his accounts frozen. - Integrate nicely government taxation authorities in streamlining processes like VAT collection, etc. > Can be delegated to an "agent" (device, automated process, etc). +0.8, reword to: Enables the payment process to be delegated to a software agent (personal device, cloud automated process, etc.). Overall, I like the list. I'm also concerned that it feels like a grab bag of "things we wish were better" and it's length makes it feel like a wall of text when you see it for the first time. I don't know if anyone else had that concern when looking at the list for the first time? -- manu -- Manu Sporny (skype: msporny, twitter: manusporny, G+: +Manu Sporny) Founder/CEO - Digital Bazaar, Inc. blog: High-Stakes Credentials and Web Login http://manu.sporny.org/2014/identity-credentials/
Received on Thursday, 26 February 2015 02:18:44 UTC