Re: Presentation to Web Payments IG

On 10/18/14 10:36 AM, Melvin Carvalho wrote:
>
>
> On 18 October 2014 13:57, Anders Rundgren 
> <anders.rundgren.net@gmail.com <mailto:anders.rundgren.net@gmail.com>> 
> wrote:
>
>     On 2014-10-18 12:40, Joseph Potvin wrote:
>>     Market  Share :
>>
>>     http://www.businessinsider.com/android-ios-market-share-data-and-apples-iphone-6-2014-8
>>     http://techcrunch.com/2014/05/06/android-still-growing-market-share-by-winning-first-time-smartphone-users/
>>
>>     Given your friend's comment that "Several of my friends in the
>>     payment business here in XXXXX helped Apple design Apple Pay",
>>     s/he is apparently a little too influenced by all the unnecessary
>>     money that Apple users spend on their devices:
>>     http://www.forbes.com/sites/tonybradley/2013/11/15/android-dominates-market-share-but-apple-makes-all-the-money/
>>
>>     No argument from me that Apple devices tend to be more elegant,
>>     and also tend to instill more brand loyalty than other makes.
>>     That's fine. The rest of the world treats such devices as
>>     practical commodity items. Open standards enable consumers to
>>     easily do comparison shopping and to jump ship to other brands in
>>     an open market. Apple will continue to resist any open standards
>>     that make comparison shopping and brand jumping easy for their
>>     market segment.
>>
>>     The W3C community should not lose sleep over the continued
>>     efforts by Apple to loudly distinguish itself from the open
>>     standards movement.
>
>     There's (AFAICT) no indication that any of the platform vendors or
>     payment networks actively support an open standards movement for
>     payments.
>     VISA, MasterCard, PayPal and Alibaba are not even W3C members. 
>     They did however all joined the closed FIDO alliance.
>
>     The Google Wallet is still not open source so it seems that
>     payments indeed is a pretty "religious" issue.
>
>     From my watchtower things look pretty bad.
>
>
> Anders, this isnt how open standards work.
>
> Web payments is not in competition with Apple, or google wallet, or 
> any other payment system, for that matter.
>
> In just the same way that linux is not in competition with NVIDIA, 
> western digital or Sony.
>
> What happens is that you create an open and universal core that works 
> on its own merits.  Then you can hook in other systems (think linux 
> drivers) to become compatible. Some systems will be trivial to write 
> drivers for, and some will take some ingenuity.  No secret there.  The 
> firms that on this will probably do very well for themselves.
>
> What is being done here is to create a universal interoperable 
> standard close to the openness of the web (we hope!).  I'm defining 
> universal to mean the property that it is interoperable with any other 
> universal system.  None exist as of today, but if another comes along 
> and passes the TOII (Test of Independent Invention) we automatically 
> increase traction.
>
> Other payment processors will be hooked in based on how much manpower 
> is available.
>
> The W3C creating yet another payment system is not viable, and not 
> worth spending time on.  The W3C creating a universal payment system 
> aligned to the web IS worth doing, and there's some track record here...
>
> We are about co operation, not competition ...

+1000....


-- 
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