Re: Dealing with the NASCAR Syndrome for Web Payments

On Apr 23, 2014, at 8:53 PM, Manu Sporny <msporny@digitalbazaar.com> wrote:

> On 04/23/2014 11:43 AM, Kumar McMillan wrote:
>> On Apr 22, 2014, at 8:17 PM, Manu Sporny <msporny@digitalbazaar.com> 
>> wrote:
>>> 4. Standardize payment initiation: 
>>> https://web-payments.org/specs/source/web-commerce-api/ 5. 
>>> Standardize digital receipts: 
>>> https://web-payments.org/specs/source/web-commerce/
>> 
>> To specifically solve the nascar problem I think you only need these 
>> two things ^
> 
> To clarify, that's all you need to solve the payments NASCAR problem.
> There are at least two NASCAR problems:
> 
> 1. Login
> 2. Payments
> 
> and there are others like the "Share on Social Network" NASCAR problem.
> 
> The Identity Credentials specification could solve all three using the
> same mechanism because they're all the same problem. That problem is
> transmitting your preferred handlers to the website you're using.
> 
> That said, you're right Kumar, we don't /need/ to solve the identity
> problem for payments.
> 
>> A web API (or JavaScript shim) just needs to know how to invoke a 
>> compliant payment provider and how to verify the purchase. Each 
>> payment provider could still handle identity / credentials 
>> themselves.
> 
> That's truthy. :)
> 
> How does the website discover which payment provider to invoke?

I think the merchant should still be the one to dictate which payment providers can be used. The user can choose from those supported providers. The merchant is the one who needs to get paid and they are the one who needs to have a pre-established business relationship with each payment provider. (The user needs to establish a business relationship but they can do that on first purchase.) The only other alternative to payment provider discovery that I can think of is some kind of magic blockchain-like payment cloud :)

> 
> -- manu
> 
> -- 
> Manu Sporny (skype: msporny, twitter: manusporny, G+: +Manu Sporny)
> Founder/CEO - Digital Bazaar, Inc.
> blog: The Marathonic Dawn of Web Payments
> http://manu.sporny.org/2014/dawn-of-web-payments/
>

Received on Thursday, 24 April 2014 16:28:11 UTC