Re: Use Cases from the W3C Web Payments Workshop

Manu and Andrew, I will probably have some time late Saturday evening or thereafter to focus more in this. Thanks for taking the time to go through all of this. I hope this is not too late. :(

-Brent

Sent from my iPhone

> On Apr 9, 2014, at 4:39 PM, Manu Sporny <msporny@digitalbazaar.com> wrote:
> 
> What follows is a list of all of the use cases that came out of the W3C
> Web Payments Workshop.
> 
> We are going to have to do some work to merge these in with the work
> that Brent has been doing wrt. payment service use cases. After all of
> the use cases have been merged together, we're going to have to
> categorize them into things that we believe are standardizable in a
> first iteration of Web Payments, and a list of use cases that will need
> to be dealt with in a second iteration of web payments.
> 
> Brent S., Andrew M. - you guys might want to work together on this with
> support from the rest of the group. I'd be happy to discuss what we're
> trying to achieve w/ both of you offline.
> 
> --------------------------------------------------------------------
> 
> # Topic: Alternative Currencies - Ven and HubCulture
> 
> Use Case: Bots that execute financial operations on behalf of users.
> 
> Use Case: Personal vault can host information/assets and issue ids
> useful for various things (e.g. payments?)
> 
> Use Case: Managed access to personal identity/attributes as economically
> valuable assets in a payment system
> 
> # Topic: Web Developers - Yandex Money
> 
> Use Case: Invoke payment service via URI scheme.
> 
> Use Case: Simple URI system - simple payment markup that developers get
> right.
> 
> Use Case: Enable customer-based selection of payment processor.
> 
> Use Case: Switch payment method in the middle of a transaction.
> 
> Use Case: Allow loyalty cards, coupons, etc. as a payment mechanism.
> 
> # Topic: International Infrastructure - World Bank
> 
> Use Case: National incentives for using web-based payments due to
> beneficial effects upon economy.
> 
> Use Case: Ensure access to payment systems by non-traditional channels,
> where barriers exist for traditional channels
> 
> # Topic: Card Processing - Worldline
> 
> Use Case: Secure Element-based offline payment.
> 
> Use Case: Browser-mediated offline transactions.
> 
> # Topic: Remittances and the  Underbanked - Bloomberg
> 
> Use Case: Sending money to family internationally via low-cost methods.
> 
> Use Case: Enable financial regulation (e.g. reporting above a certain
> value) to be implemented directly in payment protocols
> 
> Use Case: Enable Zero-trust transactions.
> 
> Use Case: Leveraging variable degrees of identity/anonymity per
> requirements of the payment transaction.
> 
> # Topic: General Discussion about Financial Infrastructure
> 
> Use Case: Realtime purchases involving prerequisite reception of funds
> from international sources (e.g. family).
> 
> Use Case: Mixed sources of payment for a single transaction, using
> multiple payments with minimal transaction overhead.
> 
> Use Case: Selection of payment method based upon desired payment speed
> and cost.
> 
> Use Case: Option to get faster payment if you pay more.
> 
> Use Case: Selection of payment service based upon ability to handle
> escrow for untrusted merchants.
> 
> Use Case: Rights & responsibilities of a transaction being associated
> with the context of the transaction, and conveyed to parties in the
> transaction.
> 
> Use Case: Take the change for your $100 bill through a web payment.
> 
> # Topic: The Inputs to the Payments Standardization Process
> 
> Use Case: Verify identity or assess trust of partners in a transaction.
> 
> Use Case: Initiate / request payment.
> 
> Use Case: Issue, transmit, validate proof-of-purchase / digital receipt.
> 
> Use Case: Find and compare payment options for transaction.
> 
> Use Case: Create a common digital receipt format.
> 
> # Topic: Lessons Learned from the Mozilla Marketplace
> 
> Use Case: App Stores - selling apps in mobile scenarios.
> 
> Use Case: Prove ownership over a particular asset (proof of purchase /
> ownership).
> 
> Use Case: Temporary payment tokens for merchants. If token is stolen,
> thief does not get access to financial account.
> 
> Use Case: Billing through mobile operator (mobile billing) without hacks
> to HTTP.
> 
> Use Case: Make it simple to register as a new customer (get rid of the
> registration step, if possible, or make it transparent).
> 
> # Topic: General Discussion on the Ideal Payment Experiences
> 
> Use Case: Application of loyalty cards to purchases.
> 
> Use Case: When doing a payment, need a way to assure the customer he is
> his payment service provider  and is not subject to phising. Specially
> problematic in mobile when browser chrome is not available.
> 
> Use Case: Tokenization mechanism that protects the buyer and merchant
> from theft of credentials.
> 
> Use Case: Payments / digital receipts should be applicable to Encrypted
> Media Extension authorization to show content.
> 
> Use Case: Merchant and User reputation system accessible to the payments
> mechanism.
> 
> Use Case: Reputation based selection of providers in a payment
> transaction, or info about merchants to help the user choose whether to
> complete the transaction.
> 
> Use Case: Whitelisting of parties - users, merchants, payment providers
> without scalability / anti-compete issues.
> 
> # Topic: Global Payments - World Bank
> 
> Use Case: Payment process includes user informed consent requirements
> about "what they are getting into".
> 
> # Topic: Future Clearing - Ripple Labs
> 
> Use Case: Send money in any currency, have the network automatically do
> currency conversion, give currency at the other end in the receivers
> native currency.
> 
> Use Case: Market makers acting as a transfer agent (foreign exchange
> happens automatically)
> 
> Use Case: Transfer money through gateway providers of financial networks.
> 
> Use Case: Knowing through which financial network your transaction will
> be delivered (you might care?).
> 
> # Topic: National Infrastructure - US Federal Reserve
> 
> Use Case: Electronically originated checks
> 
> Use Case: Knowing what info will be required to supplement a transaction.
> 
> Use Case: Knowing that data minimization principles are followed by
> systems in a payment chain
> 
> # Topic: Enhancing the Customer and Merchant Experience
> 
> Use Case: Automatic payments, transparent to usage (subscriptions and
> safe pay-as-you-go w/o asking/annoying the customer)
> 
> # Topic: Merchants and Retailers - NACS
> 
> Use Case: Digital credentials that can be used for financial
> transactions, that provide plausible deniability to payment processors
> ("we vetted the customer and they lied to us in a sophisticated way,
> here's proof").
> 
> Use Case: Digitally signed contacts that are born and executed digitally.
> 
> Use Case: Theft of payment details results in very low return on investment.
> 
> # Topic: Intent to Pay - Robin Berjon
> 
> Use Case: Decouple payments as much as possible. Base on an
> intent-to-pay mechanism
> SEPAmail - BPCE France
> 
> Use Case: Allow multiple levels of security based on the type of
> transaction being performed. No auth for small amounts, PIN auth for
> medium amounts, Secure Element for large amounts.
> 
> # Topic: Hidden Choice can be Anti-Consumer - Joseph Potvin
> 
> Use Case: Enable the customer and the merchant to choose foreign
> exchange rates and how foreign exchange affect their prices, give them
> the choice, not the financial network/intermediary.
> 
> # Topic: Last-mile Payments in Africa - Trans-Africa Solutions
> 
> Use Case: Allow a physical version of a digital receipt that can be
> verified, perhaps by printing out a QR Code on a slip of paper with some
> additional information.
> 
> Use Case: Allow for a settlement that is based on a cash transfer.
> 
> # Topic: General Discussion on Customer/Merchant Experience
> 
> Use Case: Move the point of sales terminal off to the users mobile .
> 
> # Topic: Creating a Level Playing Field - W3C
> 
> Use Case: The wallet as an expert system - decide the best mode of
> operation for the purchase, make wallet providers compete on that metric.
> 
> Use Case: Identity solution must not rely on passwords for primary
> functionality.
> 
> # Topic: Mobile Wallets - Gemalto
> 
> Use Case: Enable people to transfer tokens of value between their
> wallets (digital cash equivalent).
> 
> Use Case: Realtime checks on account balances in wallets to help decide
> how to pay.
> 
> Use Case: Show added/stored value from things you already do (discounts
> on gas purchases associated with a grocery store you shop at regularly).
> 
> Use Case: Wallet is synced with loyalty coupons and digital receipts as
> they are collected. Data is synced to cloud or local wallet seamlessly.
> 
> Use Case: Wallet data should be separate from wallet provider, data
> should be owned by the customer.
> 
> # Topic: Wallets - Deutsche Telekom
> 
> Use Case: Customer can receive digital receipts (receipt POSTed to
> user's digital receipt storage vs. an emailed receipt).
> 
> # Topic: General Discussion around Payment Initiation and Digital Receipts
> 
> Use Case: Sync wallet data, password data, and credential data to the
> cloud - use the same mechanism for all three.
> 
> Use Case: Wallet portability to move to a new wallet service provider at
> will.
> 
> Use Case: Where is the wallet, how is it protected, is it stored on the
> same device as your 2-factor authentication device? Security
> side-effects of mobile-as-wallet are not straightforward.
> 
> Use Case: Prevent corporate man-in-the-middle attacks that are commonly
> used in corporate environments.
> 
> Use Case: Reject the form auto-fill anti-pattern (RequestAutoComplete)
> and move to one that doesn't result in security risks if data is stolen
> at the merchant.
> 
> Use Case: Payment systems running on shared devices must be able to
> determine the payer.
> 
> # Topic: Identity Management - IETF
> 
> Use Case: Use OpenID Connect to bootstrap a payments process.
> 
> # Topic: Commerce Identity - Microsoft
> 
> Use Case: Associate fraud information and signals with identities.
> 
> Use Case: Don't share any theft-worthy data with merchants.
> 
> # Topic: Decentralized Identity - Ripple Labs
> 
> Use Case: Place identity in a decentralized network
> 
> Use Case: Update identity information in a decentralized network
> (replace payment providers, e-mail attestation, etc.)
> 
> # Topic: Mobile Identity and Payments - Qualcomm
> 
> Use Case: Determine how Premium SMS (operator billing) works with a Web
> payments solution.
> 
> Use Case: Protect privacy when making purchases using geolocation
> technologies.
> 
> # Topic: Pushing Back on Centralization - Lyra
> 
> Use Case: Figure out a way to couple identities together to allow one
> identity to retrieve access to another identity if the 2nd identity
> loses their 2FA device.
> 
> Use Case: Keeping your web of trust in your wallet and only expose it to
> the outside world when necessary.
> 
> Use Case: Secure backup wallet data info to a friends wallet.
> 
> # Topic: Balancing Identity, Privacy, and Anonymity - British Computer
> Society
> 
> Use Case: Separate the idea of privacy and anonymity when it comes to
> web payments.  Privacy for online actions is important.  Anonymity when
> it comes to financial transactions and moving of money is problematic.
> 
> -- manu
> 
> -- 
> Manu Sporny (skype: msporny, twitter: manusporny, G+: +Manu Sporny)
> Founder/CEO - Digital Bazaar, Inc.
> blog: The Worlds First Web Payments Workshop
> http://www.w3.org/2013/10/payments/
>

Received on Thursday, 10 April 2014 03:13:55 UTC