W3C

Web Payments Working Group Teleconference

04 Aug 2016

Agenda

See also: IRC log

Attendees

Present
kriske, alyver, Ian, zkoch, adam, dlongley, adrianhb, Manu, dezell, ShaneM
Regrets
NickTR
Chair
SV_MEETING_CHAIR
Scribe
Ian

Contents


trackball, start meeting

trackbot, start meeting

<scribe> agenda: https://github.com/w3c/webpayments/wiki/Agenda-20160804

<AdrianHB> Call in should be working now

<zkoch> (on IRC, will call in in a bit, conflict this AM)

<Laurent> présent+ laurent

Adrian: Sorry I did not send out the agenda to the list; that was an error

https://github.com/w3c/webpayments/wiki/Agenda-20160804

Time of this call

AdrianHB: We have received 10 replies to the call for input

https://lists.w3.org/Archives/Public/public-payments-wg/2016Jul/0147.html

scribe: unfortunately the responses are pretty mixed, but by a thin margin the group prefers the earlier slot
... The time would be 2pm UTC (which right now is 7am PT, 9am Chicago)

IJ: Will it change with daylight savings time?

<manu> Ian: There is a question about if this is going to change if it becomes 6am when DST stops, we should be transparent on which way it's going to go.

<dlongley> 10 ET

<manu> Ian: What I have done on the WGs page is write the UTC time and change the UTC time when the meeting changes.

PROPOSED: New meeting time is 10am ET on Thursdays

AdrianHB: Matt S, unfortunately, cannot make either time
... I will pick this up with him separately

<manu> +1 to new time

<manu> (but sad to hear that MattS won't be able to join us)

AdrianHB: Any objections?

<maheshk> +1 for 10am EST

<ShaneM> In an ironic twist, I actuallky have a new conflict with that time. every other week. oh well. it is payments related. I will work it out.

<kriske> +1

RESOLUTION: Start 10am ET meeting time effective 11 August 2016

<scribe> ACTION: Ian to update the WebEx information and inform the group [recorded in http://www.w3.org/2016/08/04-wpwg-minutes.html#action01]

<trackbot> 'Ian' is an ambiguous username. Please try a different identifier, such as family name or username (e.g., ijacobs, ijmad).

TPAC 2016

AdrianHB: Please register

https://www.w3.org/2002/09/wbs/35125/TPAC2016/?login

NOTE: fee goes up 2 September 2016

AdrianHB: We are starting to build the agenda
... one idea is to have a dedicated agenda on first day, and use day 2 for breakouts and editing sessions

<manu> +1 to workday for specs

AdrianHB: So we will put in draft agenda the plan to leave a lot of time for editing and breakouts; with more structured day 1

<Zakim> ShaneM, you wanted to talk about virtual f2f meetings

ShaneM: Other groups I work in organizes longer sessions for editing; we could do that too

AdrianHB: Yes, editors can do this
... and invite others to work with them

<ShaneM> virtual break out sessions

AdrianHB: might not happen between now and Lisbon

Manu: Re TPAC, we are waiting for AdrianHB...

<Zakim> manu, you wanted to ask about HTTP API and Core Messages and Browser API comments and when to do PRs / questions?

Manu: I've been holding off sending in issues to align with WG priorities
... I don't know what to propose at TPAC

AdrianHB: I discussed with Ian and Nick on Tuesday. My concern at the moment is that there are streams of work that are happening that are not getting participation from everyone in the group
... don't want to have to unwind work
... I'm concerned with Core messages and HTTP API that only a small set of people in the WG are giving that work attention
... we want work in parallel but also need to prioritize our time
... don't want to get too far down a path and then have to unwind previous decisions....that's my worry
... personally I don't think we should publish Core Messages yet...I would object
... so if we do a CFC now I am going to object
... for the reason that I don't think that WG has not yet had enough input from the WG....we can't merely change by changing the spec; we need to get people more engaged, and I don't think we can do that until we have dealt with the higher priority stuff

<manu> Ian: I don't think this is related to our TPAC agenda, please raise Browser API issues as soon as possible.

<Zakim> Ian, you wanted to ask people to raise issues

IJ: Please let's close this (non-TPAC agenda item) by bottom of hour

AdrianHB: Ok 8 mins

<Zakim> manu, you wanted to state specifically that we want to implement payment apps that support HTTP API and Browser API - we don't know how to do that right now.

<zkoch> (I’m on the call now)

Manu: Here's the specific issue we have: digital bazaar spec would like to write apps that conform to the payment request API and the payment app spec.
... from a company perspective we are trying to write products that implement both the HTTP API and the payment request API
... in order to do that, we need the spec to at least be published
... we can take core messages spec and put in the HTTP API spec
... we need a way forward..can't just block the work

<Zakim> ShaneM, you wanted to say that I would rather stop starting and start

ShaneM: Suggest we do the CFC and get input

kriske: There is also an interop question - are HTTP API and core messages taking into account flows (e.g., cards standards, SEPA flows)
... in that sense I am wondering whether it's appropriate to send out the CFC at this time

AdrianHB: In terms of next steps, my issue is not with HTTP API. It is around core messages and positioning as a common data model; that's not what it is. We are sending the wrong message if we say that we are saying we designed the APIs to work off a common data model; that's not what has happened in practice
... if we just published HTTP API independently and down the line are able to extract a common data model, that's great.

<manu> Yes, but we can put in an issue marker calling that out in Core Messages... we're not there yet

<dlongley> we can always add an issue to the core messages spec that says that the browser API doesn't comply with/use the core messages spec at this time (and may never) ... but other APIs will

adrianHB: I have not started CFC yet because there would be a known objection (from me).

<dlongley> the first set of specs we published in this group were very rough and filled with issues in this same manner.

AdrianHB: Kris, regarding divergence in messaging ... we are focused on initiation ...and want to interop well with existing protocols and standards

<ShaneM> Exactly! But the messages that ultimately need to go into the payment network must have the required information...

kris: I agree with that. The issue with cards is slightly different..the cards issue is more about an overlap...the concern is that some flows may overlap what is going on in this group
... For sure what is happening in web payments wg space will 'get into" iso space and so we need to take into account what's there already ... in both directions
... there are some requirements from the banking space we need to be taking into account

AdrianHB: I suggest Kris and I speak offline
... I also suggest Manu and I chat offline about http api and core messages...but I am concerned that the group is moving forward even if lower priority

<manu> AdrianHB: Happy to talk offline about it.

<dlongley> +1 to AdrianHB+Manu on issue markers possibly being the way to go

PAG

https://lists.w3.org/Archives/Public/public-payments-wg/2016Aug/0035.html

<manu> Ian: Do not talk about patents in this WG

<manu> Ian: The PAG will meet, the lawyers will deal with it, meanwhile the WG can continue its work.

PMI Proposal from Zach

https://github.com/w3c/webpayments/blob/gh-pages/proposals/zach-pmi.md

Adrian's issue logged:

https://github.com/w3c/webpayments/issues/170

zkoch: I read minutes and saw issues we'll address
... next steps is to turn proposal into spec text

IJ: AdamR, status of looking into what the right practice is if we use URNs.

Adam_: I will have something by 11 August meeting

AdrianHB: Do you want to update explainer before spec text to address issues?

zkoch: Yes.
... I will send a diff for people to look at
... will work on that early next week

<zkoch> Were there any other major issues that people wanted to bring up while we’re talking about this?

AdrianHB: This is key work to finalize ASAP because it affects everything else

<manu> I brought up the issues that we found last week, none of them were major, thanks for putting this together zkoch.

AdrianHB: Next week I would like to give Zach the go-ahead to write the spec text

IJ: Will (some of or all) of the spec text will go into PMI spec?

zkoch: Yes

IJ: Are there other issues needed for implementations?

zkoch: I think this is the last big blocking thing.
... we have a list of feedback from merchant conversations
... but PMIs is the last big "blocking thing"
... after we have the update, we'll circle back with a new set of issues

<zkoch> (manu, remind me what your major issues are just so I make sure they’re addressed)

AdrianHB: The proposal talks about two types of PMIs
... we've called them "open" and "proprietary" (or similar)
... are you having conversations with implementers of both types?
... e.g., Alipay or Paypal [IJ: or Samsung Pay or Yandex Money, etc.]

zkoch: We have had a number of conversations with orgs of closed systems ... both types (1) 1:1 relationship between method/payment app but also (2) proprietary method is delegated to other parties
... so the spec reflects both of those types

AdrianHB: Other comments from other implementers welcome
... The next question is - what do those parties think about payment apps...we'd like to have those people close to payment apps discussions

<manu> zkoch, no major issues - just 1) how do we manage the URN space (AdamR's looking into that), and 2) whether or not we can make the matching algorithm more "tag-based" - meaning, making this not only for cards, but payment methods in general (but this one is far lower concern/priority) - both can wait until after it goes into ReSpec

zkoch: I encourage that people participate directly in the work, but I also bring back their feedback.
... i think we are on the right track with payment apps having both web and native apps
... I don't think we are yet at the state of surfacing specs related to third party payment apps to app developers
... but there is a lot of interest in being part of this ecosystem

AdrianHB: I think that we are at a point where iteration over prototypes would help us with payment app direction
... it would be useful to get people who are planning to implement this commercially building this

<manu> To clarify - Digital Bazaar plans to implement this commercially.

https://github.com/w3c/webpayments/wiki/PaymentApp_Notes#design-considerations

<zkoch> sg!

<AdrianHB> Manu - sorry, did not mean to imply you didn't. I meant to say that we'd like to see prototypes from existing payment processors

IJ: Engaging at the design considerations a good entry point

<zkoch> ::insert thumbs up emoji::

Security Next Steps

https://docs.google.com/document/d/1w7ginyzNg-xZUmITK4vzcGUKB4gbMOAvlkWWaRtX14k/edit?pli=1#

IJ: I need to sync up with AdamR and Jonny on next steps

https://github.com/w3c/webpayments/wiki/Security-and-Privacy-Considerations

IJ: Not sure our plans for filling out / using the security considerations

AdrianHB: My understanding is that we would put wiki page together as a place to aggregate people's comments
... it's difficult to say "we need to encrypt fields" if we can't say why
... so I believe the document is intended to justify design decisions like that
... goal at this point is to document issues

<Zakim> manu, you wanted to make comments on the document, since he wrote a good chunk of it.

AdrianHB: and we might use this document in different ways (e.g.,content for security considerations in a spec, or change spec)

manu: IETF has sections you look at...I put those sections in this document
... I tried to think of specific attacks against of payment request API
... typically you can take this and migrate this into a security considerations part of a spec

<dlongley> https://www.w3.org/TR/security-privacy-questionnaire/

manu: I am overloaded and cannot spend more time on this
... I hope some of our engineers at d.b. can come back in a few months

AdrianHB: So I think we've summarized the intent; whether we get to it will come down to the will of the WG
... to do work

IJ: Any concrete volunteers to do work on this for 2 weeks from now?

[No volunteers]

AdrianHB: I will ask again for volunteers next week ... if you can find someone in your org to help, that would be great

Conf heads-up

Conference mention iX Payment 2016, 30 Nov 2016 in Darmstadt

<zkoch> We’ve already announced support

<zkoch> But can chat further

Next meeting

11 August at 10:00 ET

(IJ will update webex info TOMORROW)

Summary of Action Items

[NEW] ACTION: Ian to update the WebEx information and inform the group [recorded in http://www.w3.org/2016/08/04-wpwg-minutes.html#action01]
 

Summary of Resolutions

  1. Start 10am ET meeting time effective 11 August 2016
[End of minutes]

Minutes formatted by David Booth's scribe.perl version 1.144 (CVS log)
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