- Enhancing the Customer and Merchant Experience
- Merchants and Retailers - NACS
- Intent to Pay - Robin Berjon
- Hidden Choice can be Anti-Consumer - Joseph Potvin
- Last-mile Payments in Africa - Trans-Africa Solutions
- General Discussion on Customer/Merchant Experience
- Action Items
- Manu to reach out to MCX to try and get them involved in the W3C work on payments.
- Daniel Appelquist
- Bryan Sullivan
- Daniel Appelquist, Bryan Sullivan, Dave Birch, Gray Taylor, Jeremy King, Mountie Lee, Wendy Seltzer, Ricardo Varela, Robin Berjon, Cyril Vignet, Dave Raggett, Joseph Potvin, Neil Mason-Jones, Stéphane Boyera, Michel Leger, Eric Tak, Manu Sporny, Ori Eisen, David Ezell, Ernesto Jimenez, Virginie Galindo, Tobie Langel, Emil Johansson, Alexander Gee, and 80 others for a total of 103+ people
Bryan Sullivan is scribing.
Note: These are minutes for an official W3C Workshop event that have been cleaned up and reformatted by the Web Payments Community Group. The Web Payments Community Group and the W3C are two different organizations, and it is the W3C that managed this event. These minutes may be handed over to the W3C to become the official minutes for the event, but that has not happened yet (and may not happen at all). Readers should understand that there is a difference between officially sanctioned W3C work, and the work done by the Web Payments Community Group (which is not officially sanctioned by W3C's membership).
Topic: Enhancing the Customer and Merchant Experience
USE CASE: Automatic payments, transparent to usage (subscriptions and safe pay-as-you-go w/o asking/annoying the customer)
Topic: Merchants and Retailers - NACS
Dave Birch introduces Gray Taylor of National Association of Convenience Stores (NACS) - @grayotaylor
USE CASE: Digital credentials that can be used for financial transactions, that provide plausible deniability to payment processors ("we vetted the customer and they lied to us in a sophisticated way, here's proof").
USE CASE: Digitally signed contacts that are born and executed digitally.
USE CASE: Theft of payment details results in very low return on investment.
Topic: Intent to Pay - Robin Berjon
USE CASE: Decouple payments as much as possible. Base on an intent-to-pay mechanism
Slide 2: Trusted Third Party Processors
Tom, on IRC, notes - Intent is nice but might be preventing the user to discover new services, no ?
USE CASE: Allow multiple levels of security based on the type of transaction being performed. No auth for small amounts, PIN auth for medium amounts, Secure Element for large amounts.
Topic: Hidden Choice can be Anti-Consumer - Joseph Potvin
USE CASE: Enable the customer and the merchant to choose foreign exchange rates and how foreign exchange affect their prices, give them the choice, not the financial network/intermediary.
Topic: Last-mile Payments in Africa - Trans-Africa Solutions
USE CASE: Allow a physical version of a digital receipt that can be verified, perhaps by printing out a QR Code on a slip of paper with some additional information.
USE CASE: Allow for a settlement that is based on a cash transfer.
Topic: General Discussion on Customer/Merchant Experience
USE CASE: Move the point of sales terminal off to the users mobile .
Manu wanted to ask about entry points for change being merchants (MCX, could we deploy web payments in fuel industry?)
ACTION: Manu to reach out to MCX to try and get them involved in the W3C work on payments.
End of session 4.