The Payments Architecture within which a Web Payments Architecture occurs

I would like to raise a general consideration to the CG list:

What aspects of a "Web Payments: Technical Architecture" are unique to
"Web" mediated payment, what what aspects are generic to payment via any
medium?

It seems to me that a generic payments technical architecture provides the
functional system environment within and upon which a Web payments
technical architecture occurs.  Therefore it seems to me critical to
clearly separate these two in the document.

The thought I'm attempting to underline is that a Web Payments Technical
Architecture must point to an explicit external source that provides a
generic Payments Achitecture, preferably one provided and maintained by a
genuine global standards body, or something that in effect serves that
function. The generic Payment Architecture ought to be sufficiently refined
as to be consistent across all media

A Web Payments Technical Architecture must (I would have thought) restrict
its additive scope to that which is within the domain of the W3C, while
explicitly referencing (in its text and diagrams) the generic Payments
Achitecture that it is engaging.

-- 
Joseph Potvin
Operations Manager | Gestionnaire des opérations
The Opman Company | La compagnie Opman
jpotvin@opman.ca
Mobile: 819-593-5983