2 extra use cases

Here are two extra use cases related to the lower levels of the standard:

Simple Payment Request

User A can request payment either on their web site or in their contact
details.
User B pays the user by clicking the link and performing the payment.



Point of Sale Payment Device

A user can by coffee in a coffee shop through a mobile phone app using NFC,
a payment card, SMS payment or some other unspecified device in the future.
This use case allows different emerging physical payment devices to be used
on top of an open payment standard.

When user receives device he links it to his account with a payment
provider. This process is similar to activating  a new card today on your
bank account. Once a user is authenticated with the card supplier he is
taken through the OAuth flow with his payment provider issuing a token to
the device/app provider. This can be revoked at any time by the user.

Payments are handled in device firmware/ app code to perform payments based
on whatever method NFC/stripereader/bumping etc that is used at the POS.




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