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Re: [Payments Architecture] A vision statement for the web payments architecture work

From: Antonio Ruiz Martínez <arm@um.es>
Date: Tue, 26 May 2015 11:13:16 +0200
Message-ID: <5564392C.6020000@um.es>
To: Adrian Hope-Bailie <adrian@hopebailie.com>
CC: Web Payments CG <public-webpayments@w3.org>
Hi Adrian,

First of all, many thanks for you comments and explanations.

El 22/05/2015 a las 15:27, Adrian Hope-Bailie escribió:
> Hi Antonio,
>     After reading the current version of the document, I have some
>     comments and suggestions that I would like to share. I hope they are
>     useful.
> Thanks for your input
>     - Regarding user experience, I would mention that the payment
>     process (initiation, purchase, obtaining a receipt and the
>     product/service) should be uniform so that the user can see the
>     process is conducted in the same way and, thus, it generates trust
>     to the users. I do not know if this is what you want to mean with
>     "harmonizing the checkout experience across e-commerce websites."
> Yes, this is what that sentence is intending to say. Perhaps
> "harmonizing the payment experience across all Web applications and sites."

it sounds ok.

>     I would also include that it should facilitate that the user can
>     know the payment options available and even the (automatic)
>     negotiation of these options.
> Is this not covered under the bullet: "*Provides payees and payers
> unencumbered knowledge and choice in how to undertake payments*"?

May be.

>     - I would also incluse some comment on that the way of making the
>     encapsulation of (new or existing) payment schemes should be uniform
>     and independent of the type of payment scheme (mobile or not).
> I think this is implied by the fact that we are "standardizing" this
> process.
>     - From my point of view, I do not why know why the document needs
>     the bullets "Enables monetization on the spectrum of Web to native
>     apps" and "Bridges distributed value networks should part of the
>     vision.". From my point of view, these issues are a consequence of
>     "Encapsulates existing payment schemes and enables new schemes. "
> No, the first bullet you mention is explicitly talking about enabling
> new business models on the Web due to the reduction in friction and cost
> of payments (monetization). This speaks to things like enabling
> pay-per-click/read/watch/listen media consumption or
> similar which

This last explanation is clearer since the previous one, in my opinion, 
do not involve something clear related to the defintion of the payment 

>can't be easily done today because the way payments are
> processed makes these business models non-viable.
> The second is explicitly calling out the need for the architecture to
> allow payers and payees to make a transfer of value between one another,
> even if they don't have a common payment instrument or scheme. i.e. The
> Web must work like the Web is supposed to and have a mechanism to fill
> the gaps and comment the two.

With this explanaition I understand your idea. But, from my point of 
view, in the end, this is making a kind of "P2P payment", which we could 
consider as a new payment scheme.

Best regards,

>     - As for security and privacy, the sentences that mention "Supports
>     a wide spectrum of security requirements and solutions" or similar
>     should be reworded. Why a "wide spectrum"?. I consider that the
>     security, privacy and regulatory issues have to be taken into in the
>     development of an e-commerce website or e-payment solution. However,
>     I consider that, e.g., the support of different authentication
>     mechanisms is not part of the payment architecture. However, in the
>     processes that are part of the payment process, for example, getting
>     a payment offer, the payment architecture should define the
>     mechanisms to protect this information. Then, I consider that in the
>     bullet we could say that security, privacy and regulatory issues
>     will be taken into account to design the different process of
>     payment architecture that need to be securized.
> Our intention is to propose an architecture and ultimately define some
> standards. When it comes to regulation and security I think our approach
> is to cater for everything we know is out there but not prescribe how
> implementations are built. When it comes down to an implementer
> deploying a solution in a specific jurisdiction subject to specific laws
> and regulations they should not be restricted by the architecture in
> trying to adhere to these. On the other hand the architecture should
> describe at what points these issues come into scope and provide
> mechanisms to deal with them so that we make the life of the implementer
> easier.
>     Best regards,
>     Antonio.
>     El 18/05/2015 a las 14:58, Adrian Hope-Bailie escribió:
>         The IG are trying to finalize a short vision statement for the
>         work we
>         are undertaking, specifically with regards to the architecture
>         we will
>         be developing, for payments on the Web.
>         The document is intended to express the technical principles we
>         consider
>         important in the design of the architecture and I'd appreciate some
>         input on it's content.
>         The document is also intended to be short, less than a page, and
>         as such
>         not too detailed. It's purpose is to frame the design and allow all
>         stakeholders to agree up front that we are aligned on our vision.
>         The audience should be broad, and not necessarily payments or Web
>         technology experts, but since this is related to the design of a
>         technical architecture the content will be technical.
>         Please have a look at the first draft of this document and send
>         me your
>         feedback.
>         https://www.w3.org/Payments/IG/wiki/Payment_Agent_Task_Force/Vision
>         Thanks,
>         Adrian
>         p.s. Thanks Ian Jacobs for the initial work in getting this started.
>     --
>     --------------------------------------------------------
>     Antonio Ruiz Martínez
>     Department of Information and Communications Engineering
>     Faculty of Computer Science-University of Murcia
>     30100 Murcia - Spain
>     http://ants.inf.um.es/~arm/ or http://webs.um.es/arm/
>     e-mail: arm@um.es <mailto:arm@um.es> or arm [at] um [dot] es
>     --------------------------------------------------------

Antonio Ruiz Martínez
Department of Information and Communications Engineering
Faculty of Computer Science-University of Murcia
30100 Murcia - Spain
http://ants.inf.um.es/~arm/ or http://webs.um.es/arm/
e-mail: arm@um.es or arm [at] um [dot] es
Received on Tuesday, 26 May 2015 09:13:52 UTC

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