Re: Charter review

On 11 July 2015 at 02:36, Telford-Reed, Nick <Nick.Telford-Reed@worldpay.com
> wrote:

>  I had an action to review the draft charter by Friday 10th. By my
> calculations, it’s still Friday somewhere in the World. Hurrah for being a _
> *Worldwide*_ Web
>
>
>
> My comments (italic) and suggestions (bold)
>
>
>
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> -------------
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> 1. Scope section
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>
>
> *(apostrophe gone astray in first para it's/its)*
>

Think i got this after David E's review


>
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> *second para add reference to tokenisation:*
>
>
>
> *"...payment credentials (increasingly through the use of tokenisation)"*
>
>
+1 added.


>
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> 2.1 Wallets
>
>
>
> *General comment that calling this “Wallet” has the potential to derail -
> should we try to find another name? Payments credential store?*
>

I think it is more than this. I still believe wallet is the right word here
based on the capabilities we want this service to have. Happy to keep bike
shedding but I worry that in standardisation groups we bikeshed stuff like
this so far that when the document goes out to the rest of the world it
makes no sense any more.


>
>
> *Consistency: "registered by the wallet owner" - better changed to "by the
> payer" *
>
>
>

+1 fixed. Could debate this I think based on wallets holding instruments
that are actually someone else's or multi-user wallets but let's keep it
simple :)


>
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> 2.2 Payment flow
>
>
>
> *Add "or debit" to payment instrument example (so "e.g. a credit or debit
> card")*
>
> *At the end of the section, add a note clarifiying "Payment flow may not
> be linear (for example, selection of payment instrument may change cost of
> transaction, thereby requiring renegotiation of payment request)”*
>

+1 added


>
>
> 3.1 Recommendation track Deliverables
>
>
>
> *"Proof of payment" - am worrying about this. We need to be explicitly
> clear - is this proof of payment or proof of funds (in the cards world, the
> latter is _much_ later)*
>

I think this is definitely a proof of payment and it's specific to the
scheme. i.e. Proof that the payment has cleared, the payer is guaranteed
the funds in so far as the payment scheme defines this to be the case after
clearing.


>
>
> 5. Participation
>
>
>
> *This section appears to have gone a little awry: Fix sentences around
> "may consume for each participant; or editors"*
>

Fixed per David E's suggestions


>
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> 7. Decision Policy
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>
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> *Chair/Chairs consistency*
>

Changed to "a chair". This is boilerplate stuff so hope I haven't changed
the intended meaning.


>
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> ------------
>
> Otherwise think this a solid draft.
>
>
> Thanks
>
> Nick
>
>
>
>
>
> --
>
> Nick Telford-Reed | Technology Innovation | m: +447799473854 | t: +44 203
> 664 5069
>
> s: WorldPay Centre, 270-289 Science Park, Milton Rd, Cambridge CB4 0WE UK
>
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