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Re: Singapore to develop common QR code for payments

From: Ian Jacobs <ij@w3.org>
Date: Fri, 1 Sep 2017 11:18:32 -0500
Cc: Web Payments IG <public-webpayments-ig@w3.org>
Message-Id: <63AA7A72-5EDC-459F-8BBA-A9A58254D4B6@w3.org>
To: KETELS Kris <Kris.KETELS@swift.com>

> On Sep 1, 2017, at 3:26 AM, KETELS Kris <Kris.KETELS@swift.com> wrote:
> 
> Dear all,
> 
>  
> 
> Do anyone know of other similar initiatives like this? Is this stg for the IG?
> https://www.finextra.com/newsarticle/31011/singapore-to-develop-common-qr-code-for-payments?utm_medium=dailynewsletter&utm_source=2017-8-30

Hi Kris,

I’m happy to share a few thoughts here about QR codes and Web Payments! I welcome
corrections to the description below.

Assuming that a QR code includes the necessary information to identify an origin and
populate a payment request, here is how a user experience could work using 
Web standards (that are currently not yet widespread):

1) The user starts an app that reads QR codes. The app could either be native or Web.
    If a Web app, it will use Media Capture and Streams [1] to get access to the camera (with
    user permission).

2) The app translates the QR code into a URL with enough data to build a payment request.

3) The app causes the browser to open that (checkout) page.

4) The user pushes the buy button, which invokes Payment Request API [2]. After that, 
    it’s the PR API user experience.

Comments:

- Variation: User is already shopping on merchant.com and pushes a button to scan QR codes
  (e.g., to populate a shopping cart). When done, the user pushes the “buy” button.

- There are JavaScript libraries to decode QR codes. While it is possible that encoding and
  decoding QR codes could become built-in browser capabilities, I have not heard enthusiasm 
  from browser makers to move in that direction.

Questions:

 - Of the two variations of user experience describe above, is either realistic? Are there others?

 - Is there value in publishing a QR code “vocabulary" that would make it easy for a Web site to build a payment request?
   (Cf the related EMVCo spec [4]).

Ian

[1] https://www.w3.org/TR/mediacapture-streams/
[2] https://www.w3.org/TR/payment-request/
[3] https://www.iso.org/standard/62021.html
[4] https://www.emvco.com/terms-of-use/?u=wp-content/uploads/documents/EMVCo-Merchant-Presented-QR-Specification-v1_0.pdf   
--
Ian Jacobs <ij@w3.org>
https://www.w3.org/People/Jacobs/
Tel: +1 718 260 9447
Received on Friday, 1 September 2017 16:18:36 UTC

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