Web Payments Telecon Minutes for 2015-02-10

Thanks to Dave Longley and Manu Sporny for scribing this week! The minutes
for this week's Web Payments telecon are now available:

https://web-payments.org/minutes/2015-02-10/

Full text of the discussion follows for W3C archival purposes.
Audio from the meeting is available as well (link provided below).

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Web Payments Community Group Telecon Minutes for 2015-02-10

Agenda:
  https://lists.w3.org/Archives/Public/public-webpayments/2015Feb/0004.html
Topics:
  1. F2F Use Cases
  2. Desired Outcomes from the Face-to-face
  3. F2F Credentials Discussion
  4. Next 3-6 Months of Work
  5. Decentralized identifiers
Chair:
  Manu Sporny
Scribe:
  Dave Longley and Manu Sporny
Present:
  Dave Longley, Manu Sporny, David I. Lehn, Joseph Potvin
Audio:
  https://web-payments.org/minutes/2015-02-10/audio.ogg

Dave Longley is scribing.
Manu Sporny:  Any changes to the agenda?
None

Topic: F2F Use Cases

Manu Sporny: 
  https://www.w3.org/Payments/IG/wiki/Meeting_Summary_Feb2015#Use_Cases
Manu Sporny:  The following use cases were approved at the 
  Utrecht F2F. It basically covers the steps of a transaction.
Manu Sporny: Initiating a Payment
Manu Sporny: Partially Blinding Payment Information
Manu Sporny: Choosing a Payment Instrument
Manu Sporny: Making a Payment Without Registering
Manu Sporny: Payer-initiated Funds Transfer
Manu Sporny: Limiting Payee-initiated Payments
Manu Sporny: Proof of Payment, Hold, or Funds
Manu Sporny: Refunds
Manu Sporny: Applying Coupons and Loyalty Cards to a Payment
Manu Sporny: Performing a Payment in Multiple Phases
Manu Sporny:  The text looks different from the use cases we were 
  looking on because people had problems with us saying "push based 
  payments" or "pseudo anonymity" which was changed to "partially 
  blinding payment information" and "push based payments" was 
  changed to "payer-initiated funds transfer". There were people 
  who had issues with "pull vs. push" payment language, so we'll 
  have to change that.
Manu Sporny:  All the use cases were integrated into the spec, so 
  for example...
Manu Sporny: For example, this is a link to the payment 
  initiation use case: 
  https://dvcs.w3.org/hg/webpayments/raw-file/default/latest/use-cases/index.html#initiating-a-payment
Manu Sporny:  We're going to need to refine the use cases a bit 
  and need the web payments CG to review, we'd like to get it out 
  by march so the more reviews we get in the better. People have 
  said that they want the requirements to be stripped out of there.
Manu Sporny:  A number of people felt that the generalized 
  introduction isn't what we wanted to do, rather we wanted a more 
  loosely defined introduction, but the problem with that is the 
  same problem we had when we tried a loose introduction before 
  where people thought it was too vague, etc. So right now we have, 
  in the spec, a fairly technical high-level 1-2 sentence 
  description of it and then talk about points of view (payer, 
  payment processor, etc.) and then we talk about why it's 
  important and a requirements section. That's the template we have 
  right now for the use cases.

Topic: Desired Outcomes from the Face-to-face

Manu Sporny: 
  https://lists.w3.org/Archives/Public/public-webpayments-ig/2015Feb/0002.html
Manu Sporny:  Chaals put together a desired outcomes list; people 
  didn't have an issue with them, he said they were apple pie 
  statements (they are benign). The goals of the group are fast 
  adoption of the technology, create a level playing field, reduce 
  transaction fraud, reduce amount of software necessary, removal 
  of need for merchant to hold onto customer data, etc.
Manu Sporny: - A fast and significant adoption of the technology 
  (>100M+ in the first two years).
Manu Sporny: - Level playing field (aka fair competition) for 
  merchants, payment providers, customers, software vendors, and 
  payment networks.
Manu Sporny: - A great reduction in "stolen card" transaction 
  fraud.
Manu Sporny: - A great reduction in the amount of custom software 
  that a merchant must write to integrate with new payment 
  products.
Manu Sporny: - Removal of the need for a merchant to hold on to 
  sensitive customer data.
Manu Sporny: - Greatly reduced payment provider switching costs 
  for customers and merchants.
Manu Sporny:  Chaals added these items:
Manu Sporny: - Does not add (ideally reduces) the time required 
  to make a payment
Manu Sporny: - Enables value-added services to help payers
Manu Sporny: - Requires as little new technology and as few 
  standards as possible
Manu Sporny: - Enables anyone to understand what they are doing 
  (esp. its cost) when they make a payment to another person (or 
  system or company or object)
Manu Sporny: - Does not interfere with the ability to meet 
  regulatory requirements
Manu Sporny: - Enables people to "take their money out of the 
  system"
Manu Sporny: - Can be delegated to an "agent" (device, automated 
  process, etc).
Manu Sporny:  Some of them are vague so he's reworking them in 
  the wiki. The idea here is that there's a set of desired outcomes 
  that will probably go in the roadmap doc and maybe in the use 
  cases doc as well.,
Manu Sporny:  We want to quickly outline high-level goals.

Topic: F2F Credentials Discussion

Manu Sporny: 
  https://www.w3.org/Payments/IG/wiki/Meeting_Summary_Feb2015#Use_Cases
Manu Sporny: The group discussed the importance of Credentials 
  for Know-Your-Customer and Anti-Money Laundering regulation, and 
  seemed to indicate loose consensus on the following:
Manu Sporny: Credentials are an important part of Payments.
Manu Sporny: It would be very difficult to meet regulatory 
  compliance without some basic credential support.
Manu Sporny: If a Credentials Working Group is recommended, it 
  should be separate but coordinated-closely with the Payments 
  work.
Manu Sporny:  The group talked about the need for credentials for 
  KYC, anti-money laundering, etc. There was loose consensus in 
  that people agreed they were important (credentials) for 
  payments. If a credentials WG is recommended, everyone agreed 
  that it should probably not be lumped in with the payments work. 
  If a payments WG is created at W3C a separate credentials WG 
  should be created and they should work independently but closely.
Manu Sporny:  The credentials work is important to more than just 
  financial services, eg: health care, government service-type 
  orgs, etc.
Manu Sporny:  Education, etc.
Manu Sporny:  There were a number of other new task forces that 
  were created and I'm a bit concerned that we have a lot of task 
  forces now. We have like eight now and that may be spreading 
  people thin.
Manu Sporny:  We may need more concentrated work on use cases, 
  roadmap, and payment agent design.
Manu Sporny: 
  https://www.w3.org/Payments/IG/wiki/File:Extended_four_corner_model.png
Manu Sporny:  There was a pretty interesting diagram -- there was 
  a discussion about a vocabulary that's been used and ...
Manu Sporny:  Everyone in the group was able to make the three 
  corners models google wallet, etc. and the four corners models 
  like visa, MC onto this diagram.
Manu Sporny:  All of those things are glossary terms that we need 
  to pay attention to.
Manu Sporny:  We want to do some industry outreach and I think 
  all that stuff... we're going to wait until the minutes are 
  published until we talk about that with any more detail.
Manu Sporny:  There was quite a bit of discussion about the 
  payment agent architecture and how that's being done and we need 
  to have a pretty deep discussion on exactly what the architecture 
  for that kind of stuff is. In general that's a summary of what 
  happened at the F2F. I think we were expecting 18 and we got 
  around 30, it was great. Around two crypto-currency orgs showed 
  up, Ripple Labs joined W3C and attended and so did Ethereum, so 
  now we have some cryptocurrency folks involved now. Any questions 
  before we move into the next topic?

Topic: Next 3-6 Months of Work

Manu Sporny: * Proof-of-Purchase/Hold/Funds
Manu Sporny: * Digital Receipts
Manu Sporny: * WebDHT / Where are you From
Manu Sporny: * Identity Credentials
Manu Sporny:  The way the current CG work is going, the p3 
  implementation is going, we made an assumption that the payment 
  system would have some mechanism for encoding a digital receipt 
  as a core part of the payment network. For example, when you buy 
  something you can use Linked Data and attach the entire inventory 
  of what you're buying and include it in what you're buying. And 
  we've discovered that the retailers don't want the payments 
  systems to see that data, that it's proprietary, it's their data. 
  They dont' want the big tech companies to see the products they 
  are buying, etc. They don't want to be disrupted by sharing this 
  data.
Manu Sporny:  If you can advertise to people because you know 
  what they want before they head into the store the brick and 
  mortars may have reduced business, etc.
Manu Sporny:  So when we talk about digital receipt and proof of 
  payment, the problem with the digital receipt and offer 
  portion... that's the other part that came up is that the group 
  doesn't think that offers are essential for v1. The idea that 
  you'd put an offer up on a website and a search engine would 
  index it, etc. they aren't concerned with achieving that.
Manu Sporny:  The best I could do is say that there are large 
  search companies that are interested in that. The idea that there 
  would be a machine-readable offer on a webpage didn't seem 
  compelling to many participants in the room. We need to also find 
  a way to decouple the digital receipt from the payment request. 
  Maybe you could encrypt the digital receipt all the way through 
  to the customer. Someone else said all they need is a merchant 
  reference number and then they can reconstruct it on their side. 
  But this is a problem for customers getting really detailed 
  receipts for them to store.
Manu Sporny:  If that's not in the critical path then it becomes 
  an afterthought and maybe the merchant will write the receipt 
  somewhere that the customer can access but maybe not.
Manu Sporny:  It could end up that retailers just don't implement 
  this.
Manu Sporny:  So we might have to back off of digital receipts 
  and focus on proof of purchase/hold/funds. The other thing that 
  we need to talk about is this whole decentralized identifier 
  thing, WebDHT, etc. and how that fits in with the identity 
  credentials stuff. We could end up reusing the decentralized 
  identifiers for identifying financial accounts, identities in the 
  system of course, and creating pseudo-anonymous identifiers as 
  well, so it has a big impact on that as well.
Manu Sporny is scribing.
Dave Longley:  My thoughts on digital receipts/offers - at a bare 
  minimum, what I'd like to see - payment initiation messages 
  should be in JSON-LD / Linked Data format, so if you want to 
  offer information to end up in a digital receipt, at a bare 
  minimum you can offer that information.
Dave Longley:  So, people can offer that as a value-add. Same 
  thing for digital receipt on way back - should be JSON-LD. We 
  should spec out ways to include encrypted data if they want to. 
  All of this can work, but for larger retailers/small retailers - 
  if you don't want to include your items in the receipt, you don't 
  have to - you can use an identifier. They can keep their 
  information private if they want to. However, if they don't have 
  a problem doing that, they can put that information in there and 
  run it through the transaction.
Dave Longley:  We don't want to prescibe stuff that retailers 
  /have/ to do - we don't want to push show stoppers on people. 
  These are JSON-LD messages, you can put what you want in them.
Manu Sporny:  People were concerned about digital receipts and 
  offers - they were afraid it would take it into the weeds.
Dave Longley:  We should provide those as options, it's 
  achievable - payment processors need to preserve information in 
  the request and include it in the receipt. Larger retailers would 
  want that anyway - preserve my merchant IDs in there.
Dave Longley:  All data from payment initiation should pass 
  through - if we figure out a way to do pass-through data, then we 
  enable innovation to happen. The other thing that's important is, 
  it might be difficult for flows/use cases we've had in the past 
  if payment processors can't display to their users what they're 
  buying.
Dave Longley:  If you start requiring a trusted UI, you have 
  problems. So, when you go to pay for these things, we want to be 
  on a payment processors site for a lot of these use cases. 
  Merchant X wants $5 - if that's all you can see, then it's not as 
  nice as what we've designed before. Merchant X wants $Y for Z 
  items.
Manu Sporny:  One of the other things that came up was that many 
  people were concerned about ensuring that legacy payment systems 
  operated in this new frame that we were outlining. A number of 
  people were really concerned that we kept talking about push 
  payments and the card network folks wanted to know about their 
  industry (incredibly large) supports that as well. I pushed back 
  quite a bit that we would start handing over information [scribe 
  assist by Dave Longley]
Dave Longley: To the merchant in these messages and most other 
  people said we don't want to do that, but what we do want to do 
  is be able to pass through proprietary card network data, like 
  emv code tokenization cryptogram. So from the payment terminal to 
  the payment system that can go into the legacy payment system by 
  the merchant to initiate the funds transfer.
Manu Sporny:  So we have to start demonstrating some of the other 
  stuff as well, like, how does the proof of funds or proof of 
  payment, can we pass back an emv co cryptrogram and can the 
  merchant use that and pass it into the legacy system. [scribe 
  assist by Dave Longley]
Dave Longley:  I think the simple answer is "yes" we need to 
  support that and it shouldn't be a very big change to what we're 
  doing.
Dave Longley:  The general flow is still the same - you use the 
  "proof-of-*" to get what you want from the legacy network.
Dave Longley:  Unfortunately for the customer, that doesn't quite 
  work in the ideal way, but we can support that w/o changing much 
  at all.
Manu Sporny:  This agenda topic is basically, what are we going 
  to focus on for the next 3-6 months of work. I guess this concept 
  of ... we need to decouple the offer and the line items a bit 
  more and the thing we return back isn't necessarily a digital 
  receipt but a proof of purchase/hold/funds and in that thing the 
  merchant might get some token to do pull payments. [scribe assist 
  by Dave Longley]
Manu Sporny:  We want to have the ability to include the list of 
  goods that would be purchased and we want to be able to put 
  cryptograms, etc in the response. [scribe assist by Dave Longley]
Manu Sporny:  What we might want to do is detail exactly what 
  these messages look like. [scribe assist by Dave Longley]
Manu Sporny:  There are a number of people that wnat to see what 
  the messages look like. [scribe assist by Dave Longley]
Dave Longley:  I actually don't think much has to change. Instead 
  of payment initiation being an offer... we can have a payment 
  initiation object that could contain an offer. If there is no 
  offer - it's just a request for money.
Manu Sporny:  I think the focus is, let's get the messages 
  correct and into a presentable form for the Web Payments IG and 
  see if that's what they're looking for. For the next 2 months use 
  cases will be sent out there and hopefully the Web payments CG 
  can say those are the use cases and these are what the messages 
  could look like with JSON-LD and signatures, etc. [scribe assist 
  by Dave Longley]
Manu Sporny:  I agree it's not a huge change but it is a change 
  to the underlying messaging format. [scribe assist by Dave 
  Longley]
Manu Sporny:  So the last two things have to do with the WebDHT, 
  where are you from problem, etc. and the DID/Credentials spec. 
  [scribe assist by Dave Longley]

Topic: Decentralized identifiers

http://opencreds.org/minutes/2015-02-10/#topic-4
Manu Sporny:  This is something we shouldn't put in the critical 
  path for anything, but it's something the Web Payments CG should 
  look at. We do believe there's a solution for it, but we need to 
  work through all the technical details for it to see if it's 
  something that's doable. [scribe assist by Dave Longley]
Dave Longley:  General agreement that there are a lot of ideas 
  out there to explore to solve the problem. It's probably a 
  solvable problem, but we're trying to reduce complexity. Can we 
  fit it in w/ the rest of the work? Implementation and testing 
  work to do. 
Manu Sporny:  We'll need to raise some foundation money to put 
  some people on it, because it's a fairly large task. [scribe 
  assist by Dave Longley]
Manu Sporny:  I don't know if it would be as big as JSON-LD but I 
  could see it becoming nearly that size. [scribe assist by Dave 
  Longley]
Manu Sporny:  I think the group is going to start hearing more 
  about it, this WebDHT, IC stuff. The IC stuff is being taken care 
  of in the Credentials CG and the WebDHT hasn't really been 
  started and needs to get started sooner than later. [scribe 
  assist by Dave Longley]
Manu Sporny:  Anything else to discuss or be concerned about? 
  [scribe assist by Dave Longley]
Joseph Potvin: Yup
Manu Sporny:  We'll do one more of these at night and if we don't 
  get anyone else from asia pacific we'll move back to day time in 
  the US. [scribe assist by Dave Longley]
Joseph Potvin: Is payment attributes use case still "in"?
Manu Sporny:  Well, it's not out, it hasn't been voted on by the 
  group because the people assigned to fill out the use case 
  haven't filled it out yet. [scribe assist by Dave Longley]
Manu Sporny:  It hasn't come up on the docket yet. [scribe assist 
  by Dave Longley]
Manu Sporny:  So, no, it's not out. And the group seems to be 
  fairly reluctant to say anything is out, it's just a question of 
  priority. [scribe assist by Dave Longley]
Manu Sporny:  Let me check the use cases, one sec. [scribe assist 
  by Dave Longley]
Joseph Potvin: Lots of work going on here on that one -- but not 
  yet coherent
Joseph Potvin: So here it's okay if it's empty presently -- we'll 
  be contributing soon
https://www.w3.org/Payments/IG/wiki/Use_Cases_Task_Force#Choosing_the_Attributes_of_Price
Joseph Potvin: Ya,  saw that   -- I was just checking if it's "up 
  to date" as such
Manu Sporny:  If joseph is going to be contributing to it, he 
  should do it ASAP; it would be best if joseph took what's in the 
  wiki and filled out the examples details, etc. all that. [scribe 
  assist by Dave Longley]
Manu Sporny:  That would be good. [scribe assist by Dave Longley]
Manu Sporny:  It is up-to-date [scribe assist by Dave Longley]
Manu Sporny:  It just hasn't been filled out yet. [scribe assist 
  by Dave Longley]
Joseph Potvin: Okay -- i'd like if you could point me to the 
  section of the wiki
Manu Sporny:  Since Ripple Labs has joined they might be fairly 
  interested in the whole value exchange stuff ... Ethereum as 
  well. Joseph should talk to Evan from Ripple and Vinay from 
  Ethereum [scribe assist by Dave Longley]
Manu Sporny:  If they have any thoughts on the use case. [scribe 
  assist by Dave Longley]
Manu Sporny:  Jpotvin, here's the section of the wiki you should 
  fill out: 
  https://www.w3.org/Payments/IG/wiki/Use_Cases_Task_Force#Choosing_the_Attributes_of_Price
Joseph Potvin: I'm working on this with 
  http://www.dkl.com/corporate_overview.html
Manu Sporny:  And unfortunately, you need to be a W3C member to 
  do that - but you can also send your comments into the 
  public-webpayments-ig-comments mailing list.
Joseph Potvin: All good -- our work can be contributed anyways
Manu Sporny:  The team looks fairly impressive. [scribe assist by 
  Dave Longley]
Joseph Potvin: Cool bunch
Manu Sporny:  The Web Payments IG has to respond to comments you 
  send in, so send them in early and often :)
Manu Sporny:  Ok, anything else? [scribe assist by Dave Longley]
Joseph Potvin: Ya, we've been deep-thinking some things
Joseph Potvin: That's all for now
Joseph Potvin: Thanks
Manu Sporny:  Send it to the mailing list if you can share.
Manu Sporny:  Ok, thanks - ending the call, then.
Joseph Potvin: G'night

Received on Thursday, 12 February 2015 16:57:05 UTC