This document is for discussion as part of the development use case by the Web Payments Interest Group.
This is a draft. This narrative takes inspiration from some work by Dave Raggett! The narrative is currently incomplete and is meant primarily for discussion about whether this would be a useful communications tool.
Please contact Ian Jacobs <ij@w3.org>.
The Web Payments Interest Group will want to communicate with both payments industry professionals and members of the Web community who may not have a deep knowledge of the payments ecosystem.
The following materials may help achieve these goals:
This document illustrates a single transaction from beginning to end, organized according to the payment flow description. This document intentionally is not an exhaustive list of use cases (see the use cases document) and it does not include requirements derived from the use cases.
Jill seeks a new outfit for a party. She selects items from PayToParty, which is a brick-and-mortar store with an online presence as well. She chooses how to pay, and the items are delivered the next day to her home.
The following sections describe the phases and steps of the transaction.
Discovery of Offer: Jill begins her purchase at home on her laptop, where she browses the items on the PayToParty Web site. On the way to work the next morning she explores the catalog further from a native app on her smart phone. Jill can't decide whether the dress displayed online is blue with black stripes or white with gold stripes, so during her lunch break, she drops into the PayToParty store near her office. When she enters the store, PayToParty lets her know with a message that causes her phone to buzz that there's a special offer (next day delivery) if she pays with the debit card preferred by PayToParty.
Agreement on Terms: That same evening at home, Jill logs into her account on the PayToParty Web site, adding her preferred items to her shopping cart. Before checking out, Jill succombs to temptation and subscribes to the site's monthly tea selection. She will pay automatically each month —she calls this her Tea-Bill— and PayToParty will deliver tea to her home. Because of her tea subscription, PayToParty removes 5% from the price of her clothing items.
Application of Marketing Elements: As Jill prepares to check out, PayToParty offers her a discount of 10% if she uses the debit card preferred by PayToParty.
Discovery of Accepted Schemes: Given where Jill lives, PayToParty offers her payment by credit card, debit card, and PayPal, but not Jill's favorite cryptocurrency (which she uses on other sites).
Selection of Payment Instruments: Jill pushes the "pay now" button and is presented with a number of options to pay, including a credit card, a debit card (which is highlighted to remind her of the special delivery offer), and a PayPal account. Jill's credit card is issued by BankLove and her debit card is from BankNow, the preferred bank of PaytoParty. There is also a gift card from PayToParty that she received for her birthday, but she chooses not to use it for this purchase.
Authentication to Access Instruments: Jill selects the debit card from BankNow to pay and is prompted to enter a secret that the bank sends to her mobile phone. Jill notes that the bank's authentication method has improved in the past year, improving her online experience without requiring any action from her.
TBD
TBD