W3C home > Mailing lists > Public > public-webpayments@w3.org > April 2016

Re: Update on Web Payments Working Group [The Web Browser API Incubation Anti-Pattern]

From: Joseph Potvin <jpotvin@opman.ca>
Date: Mon, 4 Apr 2016 18:35:49 -0400
Message-ID: <CAKcXiSqy7R=hKGNAkYx0eyE0HUH8nnTBJ-xsbMinJBb=R77FEA@mail.gmail.com>
To: Web Payments CG <public-webpayments@w3.org>
RE: "What do you by mean "some but not all"? My take is that the web is
ideal for all, we just need to write the code."

Here are four examples prominent in my own primary work (which is
https://www.xalgorithms.org/ ). Other linkages will be key, for other
initiatives and contexts.

1. Many pre-payment and post-payment data req's are effectively addressed
by OASIS UBL http://ubl.xml.org/

2. The protocols required for moving around core messages and much of the
info 'baggage' attached to payments are defined by the IETF. (For example,
SWIFT's "value added" service functionality is at the Internet layer, not
the Web layer.)

3. To some extent US Federal Reserve System functions as a quasi-standards
body. The criteria that have been negotiated in the Faster Payments Task
Force (though an astonishingly open and collaborative process) provides a
good example for how this can work when it works well.
https://fedpaymentsimprovement.org/faster-payments/task-force/criteria/

4. UNCITRAL WG IV on e-Commerce is working on advancing the legal
foundations of "electronic transferable records"
http://www.uncitral.org/uncitral/en/commission/working_groups/4Electronic_Commerce.html
If you look below the legalese (i.e. reflect upon Lessig's "code is law"),
and find a way to embrace the "weight" that comes with having a more truly
global representation than most IT standards bodies ever muster, there's
some extremely useful and timely work going on there.

Joseph Potvin
Operations Manager | Gestionnaire des opérations
The Opman Company | La compagnie Opman
jpotvin@opman.ca
Mobile: 819-593-5983
LinkedIn <https://www.linkedin.com/pub/joseph-potvin/2/148/423>

On Mon, Apr 4, 2016 at 5:53 PM, Melvin Carvalho <melvincarvalho@gmail.com>
wrote:

>
>
> On 4 April 2016 at 23:26, Joseph Potvin <jpotvin@opman.ca> wrote:
>
>> RE: "if W3C is not the answer for this"
>>
>> The Web is the optimal layer for standardization of some *but not all*
>> aspects of Web-mediated payment.
>>
>
> What do you by mean "some but not all"?
>
> My take is that the web is ideal for all, we just need to write the code.
>
> Other specs in this space are nowhere close, especially when it comes to
> decentralized identity, imho.
>
>
>> Therefore this current schism may be a blessing in disguise, if this
>> turns out to be a useful bifucation point at which the excellent integrated
>> work that's been done to date is critically assessed to determine which
>> open standards and open quasi-standards bodies may be the optimal ones to
>> migrate certain elements to. The the community can build upon many existing
>> partnerships amongst open standards bodies.
>>
>> I've forwarded below a message I originally sent a year ago relating to
>> working relationships between W3C and other standards bodies, and amongst
>> varous other standards bodies.  Maybe this, just in terms of the way of
>> thinking suggested here, might lead to some ideas in response to: "Now
>> what?"
>>
>> *---------- Forwarded message ----------*
>> *From: Joseph Potvin* <jpotvin@opman.ca>
>> *Date: Fri, May 22, 2015 at 7:55 AM*
>> *Subject: Re: [glossary] External data dictionary reference requirements*
>> *To: E.R.Fekkes@rn.rabobank.nl <E.R.Fekkes@rn.rabobank.nl>, Web Payments
>> CG <public-webpayments@w3.org <public-webpayments@w3.org>>, Web Payments IG
>> <public-webpayments-ig@w3.org <public-webpayments-ig@w3.org>>*
>>
>>
>>
>> *RE: Are there specific standards bodies FORMALLY recognized by the W3C?*
>>
>>
>>
>>
>>
>>
>>
>>
>>
>>
>>
>>
>>
>>
>>
>>
>> *Hmm, in fact I was hoping there were but I don't know.In domains like
>> payments and e-commerce, any Venn diagram of the relevant deep-rooted
>> standards bodies will look like the overlapping circles of the Olympic
>> logo. So formal liaisons seem to me indispensible to facilitate dedicated
>> efforts to map the structure, semantics & syntax.  Ideally the sort of
>> formal recognition I had in mind for this IG would be like these
>> examples:W3C & OASIS
>> http://www.w3.org/Submission/2006/01/w3c-oasis-cgm-final-051215.pdf
>> <http://www.w3.org/Submission/2006/01/w3c-oasis-cgm-final-051215.pdf>W3C &
>> OMA http://www.w3.org/2004/05/W3C-OMA-Agreement-FINAL.html
>> <http://www.w3.org/2004/05/W3C-OMA-Agreement-FINAL.html>W3C & VoiceXML
>> Forum http://www.w3.org/2001/10/MOU.txt
>> <http://www.w3.org/2001/10/MOU.txt>Here also are some non-W3C examples:*
>> IEC, ISO, ITU &
>> UN/ECEhttp://www.itu.int/en/ITU-T/ebusiness/Pages/mou/MoUMG-members.aspx
>> <http://www.itu.int/en/ITU-T/ebusiness/Pages/mou/MoUMG-members.aspx>* ISO &
>> IEChttp://www.iso.org/iso/jtc1_home.html
>> <http://www.iso.org/iso/jtc1_home.html>* IETF &
>> ITUhttp://tools.ietf.org/html/rfc6756 <http://tools.ietf.org/html/rfc6756>*
>> IETF & IEEE 802 http://tools.ietf.org/html/draft-iab-rfc4441rev-08
>> <http://tools.ietf.org/html/draft-iab-rfc4441rev-08>*
>>
>>
>>
>>
>> *RE: I am not sure if it is right to label this as the PRIMARY default
>> external source.*
>>
>>
>>
>>
>> *This IG has correctly identified ISO 20022 as the primary default
>> external standard for the exchange of financial information. In a nutshell,
>> my recommendation is for this W3C initiative to equivalently reference both
>> ISO 20022 and ISO 19845 (i.e. UBL
>> http://www.iso.org/iso/catalogue_detail.htm?csnumber=66370
>> <http://www.iso.org/iso/catalogue_detail.htm?csnumber=66370>  due for final
>> vote next month).SWIFT brought uniformity to the financial info for 20022,
>> but things aren't quite as elegant in the realm of e-commerce standards.
>> Rather than a nice orderly Olympic logo sort of Venn Diagram, it's more
>> like scribbled circles, with the result that there's been considerable
>> confusion about which standards bodies cover what aspects. Here's a (2011)
>> effort by OASIS/UBL Co-Chair Ken Holman to situate these various
>> circles:http://eeiplatform.com/4701/why-consider-cii-or-sepa-with-the-advent-of-ubl-2-1/
>> <http://eeiplatform.com/4701/why-consider-cii-or-sepa-with-the-advent-of-ubl-2-1/>*
>>
>> *Original source: http://ubl.xml.org/book/export/html/234
>> <http://ubl.xml.org/book/export/html/234>*
>>
>>
>>
>> *Things have advanced in the subsequent 4 years, and based on what I see,
>> I recommend that UBL be given the same status as 20022 in this IG's work,
>> acknowledging that there are likely a few aspects where they overlap an
>> must be reconciled. *
>>
>> *This also means that anything which shows up in this W3C IG/GC work as
>> "in scope", and which is already addressed in those other standards (ditto
>> for others that I've not mentioned here), should be pointed at, not
>> re-created or re-stated.*
>>
>>
>>
>>
>>
>> *Joseph PotvinOperations Manager | Gestionnaire des opérationsThe Opman
>> Company | La compagnie Opmanjpotvin@opman.ca <jpotvin@opman.ca>Mobile:
>> 819-593-5983 <819-593-5983>*
>>
>>
>>
>>
>> On Mon, Apr 4, 2016 at 4:23 PM, Melvin Carvalho <melvincarvalho@gmail.com
>> > wrote:
>>
>>>
>>>
>>> On 4 April 2016 at 22:02, Christopher Allen <
>>> ChristopherA@blockstream.com> wrote:
>>>
>>>> On Mon, Apr 4, 2016 at 10:54 AM, Steven Rowat <
>>>> steven_rowat@sunshine.net> wrote:
>>>>
>>>>>   C. The real question is: can Credentials be solved in an
>>>>> open-standard way, thereby creating a playing field on which an open Web
>>>>> Payments standard can flourish?
>>>>
>>>>
>>>> I have not introduced myself yet, as my firm's membership (Blockstream)
>>>> has been approved for W3C but has not been activated pending paperwork.
>>>>
>>>
>>> Welcome!  Anyone is welcome to participate in community groups.  Being a
>>> paid member will also give you access to working groups.  Ive been excited
>>> by blockstream work for some time, and am working on payment channels too.
>>>
>>>
>>>>
>>>> However, I want to be clear that the interest from my firm, and in
>>>> general from the blockchain and bitcoin community that we represent, is
>>>> around verified credentials that supports decentralized identity, private
>>>> channels, and selective disclosure/blinding/non-correlation of identifiers
>>>> and attributes. This is the main reason why we are joining W3C.
>>>>
>>>
>>> This is a great use case, and one that is well aligned with web standard
>>> IMHO.  I am also personally working on these use cases, and feel that W3C
>>> standards represent an unparalleled solution.
>>>
>>>
>>>>
>>>> We are planning to make substantial contributions of open source code
>>>> and cryptographic develop effort in these areas over the next year (which
>>>> is part of why I'm involved with http://ID2020Summit.org at the UN)
>>>> and desire this to be part of an open process.
>>>>
>>>
>>> Awesome!
>>>
>>>
>>>> But if W3C is not the answer for this, we'll move our efforts elsewhere.
>>>>
>>>
>>> The W3C isnt a magic bullet.  It produces web based specifications,
>>> normally or a high quality in terms of extensibility and interop.  The
>>> specs can sometimes be hard to read and over a number of documents.  And
>>> some use cases require putting pieces together like lego, but I think the
>>> foundation is largely sound.  Teasing out the right answers from various
>>> specs and putting them together into a technical solution takes a bit of
>>> skill, I think, but also is a lot of fun.
>>>
>>> Every company has to make their bets, but Im not sure what alternatives
>>> you'd look at.  There's many opportunities to make bad bets in this area.
>>> Do you have any particular concerns?
>>>
>>> Great to have you participating, I'd love over time to try and test
>>> interoperability (especially if you've selected javascript for a language).
>>>
>>>
>>>>
>>>> -- Christopher Allen
>>>>
>>>>
>>>
>>
>
Received on Monday, 4 April 2016 22:36:38 UTC

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