- From: Michael Williams <michael.williams35@gmail.com>
- Date: Tue, 22 Jul 2014 17:45:46 -0700
- To: Manu Sporny <msporny@digitalbazaar.com>
- Cc: Web Payments <public-webpayments@w3.org>
- Message-ID: <CA+VkC+1Hk0GtLXFEjezJLadFbvJ7ZeP+TJ_ETDcOr3MKKD-_iA@mail.gmail.com>
> Use Case: Customer selects item to purchase on merchant's site, merchant > generates a purchase request that will be processed by the customer's > payment processor. +1 > Use Case: A developer can create a link with a specific payment URI > scheme such that when a customer clicks on it, the customer's payment > processor starts the payment process. +1 > Use Case: When a customer intends to make a payment, they are given a > choice to pick among the intersection of the payment processors they're > registered with and the payment processors that are advertised by the > merchant. +0 ideally there should be an option to set the default payment processor for that merchant, so the NASCAR selection only needs to happen once. > Use Case: A merchant advertises different details, such as price, for an > offer of sale based on potential payment processor choice. -1 the two above that allow the merchant to limit who can be a payment processor seems like it would kill any small payment processors. i'd like to see the ability to be your own payment processor as a use case. given that there still needs to be a trusted third party between merchant and buyer, maybe a middle ground is to allow the buyer to choose a major payment processor listed by the merchant as a trusted proxy for their preferred payment processor. inter-processor transactions seem to be supported: https://web-payments.org/specs/source/web-payments/#the-decentralized-settlement-process .. > Use Case: A customer can associate a membership card, coupon, or similar > token with a transaction to receive a discount or other benefits. +1 > Use Case: Leveraging variable degrees of identity/anonymity per > requirements of the payment transaction. +1 > Use Case: A customer discovers an offer for sale by a merchant under > terms that the merchant is comfortable with. The offer includes a list > of payment processors that the merchant is capable of receiving payment > through. The customer contacts a subset of those payment processors that > they are capable of sending payment through to get finalized transaction > details (such as price or speed) before executing the most desirable > transaction. +1, if there is a user flow for proxying from payment processors included by merchant to another payment processor as described above. > Use Case: A customer uses a native non-browser application on their > mobile phone or tablet, or a web browser to make a purchase at an app store. +1 > Use Case: A customer makes a purchase from within an application for > premium content, virtual goods, or subscriptions. +1 > Use Case: Temporary payment tokens for merchants. If token is stolen, > thief does not get access to financial account. Tokenization mechanism > that protects the buyer and merchant from theft of credentials. +1 > Use Case: The customer goes to a merchant website and clicks a buy > button to complete a purchase without having to go through any > registration process. During the purchase the customer chooses which > information to share with the merchant which the merchant then uses to > uniquely identify the customer if they perform any repeat purchases. +1 > Use Case: A customer goes to a website and is presented with a payment > UI from their payment processor. The purchase can be completed without > any additional information from the customer other than their consent to > complete the purchase. +1, if proxying as described above happens by default if chosen as an option before. > Use Case: A customer goes to a merchant website, and upon initiating a > payment, the merchant's software transmits the merchant's payment > processor options to the customer's software. The customer's software > presents a choice of payment processors the customer has previously > registered with that are compatible with the merchant's payment processors. not sure how different from "Use Case: When a customer intends to make a payment, they are given a choice to pick among the intersection of the payment processors they're registered with and the payment processors that are advertised by the merchant." > Use Case: A customer visits a merchant's website and initiates a > payment. Their payment processor presents them with an option to > subscribe or add a pay-as-you-go token for future purchases from the > merchant. +1 > Design Criteria: Consider using Web Intents or Protocol Handlers to > provide an abstraction layer that could be used to solve both payment > initiation and other problems on the Web. +1 > Use Case: A customer stores their wallet, credentials, and digital > receipts with a particular identity/wallet/data storage provider. The > customer decides to switch to a different identity/wallet/data storage > provider and all of their wallet, receipt, and credential data comes > with them. +1 > Design Criteria: Require data portability for customer financial data > and identity data that is required for core transaction functionality. +1 > Design Criteria: Ensure the Web payments solution can provide an > abstraction layer that integrates with existing payment methods (eg: > VISA, Mastercard, ACH, PayPal, debit card, Premium SMS, etc.) +1 > Design Criteria: Don't prevent 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. +1, although double negative "don't prevent" is confusing, maybe allow? > Design Criteria: Don't prevent the implementation of simple digital > contracts and smart contracts. +1, although double negative "don't prevent" is confusing, maybe allow? --- so how do i add a use case? Use Case: When a customer intends to make a payment, it is possible to pick a payment processor trusted by the merchant as an intermediate proxy for a payment processor not trusted by the merchant. cheers, Michael
Received on Wednesday, 23 July 2014 00:48:09 UTC