Re: need reason description for exclusion of UseCase v1

RE: "what if the payer or payee does not use any “wallet”?"

"Wallet" and "account" are functional synonyms.


Joseph Potvin
On behalf of DataKinetics http://www.dkl.com
Operations Manager | Gestionnaire des opérations
The Opman Company | La compagnie Opman
jpotvin@opman.ca
Mobile: 819-593-5983

On Tue, Jun 23, 2015 at 2:25 PM, Adrian Hope-Bailie <adrian@hopebailie.com>
wrote:

> My expectation is that the browser vendors will build a default "wallet"
> into the browser so that if user's want to register payment schemes or
> instruments they can do so without installing a stand-alone "wallet".
>
> When they do install a "wallet" the browser should then pass all the
> payment requests to this instead of handling them directly.
>
> On 23 June 2015 at 14:19, Leandro Bernal Minniti <
> Leandro.minniti@cip-bancos.org.br> wrote:
>
>>  Hello Adrian,
>>
>>
>>
>> Are we considering that the merchants/e-commerces will be always using a
>> wallet solution? I mean, what if the payer or payee does not user any
>> “wallet”?
>>
>>
>>
>> Thanks,
>>
>> Leandro.
>>
>>
>>
>> *De:* Adrian Hope-Bailie [mailto:adrian@hopebailie.com]
>> *Enviada em:* terça-feira, 23 de junho de 2015 06:29
>> *Para:* Mountie Lee
>> *Cc:* Manu Sporny; public-webpayments-ig@w3.org
>> *Assunto:* Re: need reason description for exclusion of UseCase v1
>>
>>
>>
>> Hi Mountie,
>>
>> This is the same "confusion" Dave highlighted regarding the word discover.
>>
>> There are 4 steps that must be completed before we have a final selection
>> of payment scheme and instrument to begin processing a payment.
>>
>> 1. Registration: The user (over time) will register one or more payment
>> schemes and instruments that they have and wish to use to make payments.
>> They will configure how these must be used and set default parameters for
>> their use. My understanding is that the current proposal is for this
>> process to be IN SCOPE but not necessarily REQUIRED by the browsers
>> themselves. i.e. The most likely scenario is that the browser allows the
>> configuration of a "wallet" and the wallet itself is responsible for
>> managing the various schemes and instruments.
>>
>> 2. Request for Payment: The web application (of the payee/merchant) makes
>> a request to a browser API to perform a payment. In this request the payee
>> provides a list of payment schemes and instruments that they will accept
>> for payment (and possibly even different payment terms for each such as a
>> different amount and currency).
>>
>> 3. Discovery: This step is the one causing the confusion because I think
>> it is not clear who does the discovery. My understanding from the F2F is
>> that this will be done by the "wallet". The browser will pass the payment
>> request to the "wallet" and the wallet will use an algorithm to match the
>> supported schemes and instruments from the payee with the registered
>> schemes and instruments from the payer.
>>
>> 4. Selection: After discovery there should be a list of at least one
>> payment scheme and instrument that is both supported by the payee and
>> registered by the payer. If there are more than 1 then the user must be
>> prompted to select the one they wish to use or the user may have configured
>> the wallet to auto-select the one that will cost the least and then order
>> by preference.
>>
>> Following these 4 steps we can now prompt the user to confirm the
>> transaction and then proceed.
>>
>> Adrian
>>
>>
>>
>> On 23 June 2015 at 08:18, Mountie Lee <mountie@paygate.net> wrote:
>>
>> Hi.
>>
>> I have a question for usecase v1
>>
>>
>>
>> Discovery at Selection of Payment Instruments (
>> http://www.w3.org/TR/2015/WD-web-payments-use-cases-20150416/#selection-of-payment-instruments
>> )
>>
>>
>>
>> I'm not sure who discover
>>
>> maybe user will select payment instrument across the multiple wallets.
>>
>> but who discover the wallets?
>>
>> by mercahnt(payee)?
>>
>>
>>
>> regards
>>
>> mountie
>>
>>
>>
>>
>>
>> On Mon, Jun 22, 2015 at 11:28 AM, Manu Sporny <msporny@digitalbazaar.com>
>> wrote:
>>
>> On 06/21/2015 12:08 PM, Mountie Lee wrote:
>> > I found it at
>> > https://www.w3.org/Payments/IG/wiki/Payment_Architecture_Priorities
>>
>> That link above was mostly an attempt at organizing the existing use
>> cases into versions. I wouldn't suggest that anyone take it as anything
>> more than an educated guess on how each use case we have today could be
>> organized into versions.
>>
>> This is the final list of use cases for version 1:
>>
>>
>> https://www.w3.org/Payments/IG/wiki/Main_Page/FTF_June2015/UseCasesForVersion1
>>
>> The only use case that was dropped from version 1 was the Credentials
>> use case, primarily because there wasn't a belief that it was critical
>> path for version 1.
>>
>> That said, the breakout session on use cases found that while
>> Credentials wasn't critical path for version 1, that a Credentials WG
>> should be created in parallel primarily due to  demand for a better way
>> of doing KYC/AML across the financial industry. I think the feedback
>> from the roundtable underscored this desire.
>>
>> The rest of the feedback will be integrated into the use case
>> descriptions this week. For each use case, the roadmap will clarify if
>> only a subset of a use case for version 1 is expected to be implemented
>> (electronic receipts, for example, is only supposed to have very minimal
>> support in version 1).
>>
>> Mountie, are you asking that we document /every/ use case that wasn't
>> selected for version 1, or just the use cases that were considered and
>> then removed for version 1?
>>
>> -- manu
>>
>> --
>> Manu Sporny (skype: msporny, twitter: manusporny, G+: +Manu Sporny)
>> Founder/CEO - Digital Bazaar, Inc.
>> blog: Web Payments: The Architect, the Sage, and the Moral Voice
>> https://manu.sporny.org/2015/payments-collaboration/
>>
>>
>>
>>
>>
>> --
>>
>> Mountie Lee
>>
>> PayGate
>>
>> CTO, CISSP
>> Tel : +82 2 2140 2700
>> E-Mail : mountie@paygate.net
>>
>>
>>
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