W3C

Web Payments Working Group

07 Mar 2019

Agenda

Attendees

Present
Tom Lowenthal (Brave), Dean Ezra (Barclays), Fawad Nisar (Discover), Danyao Wang (Google), Justin Toupin (Google), Rouslan Solomakhin (Google), Tony England (Bank of America), Luis Guzman (NACHA), Nick Telford-Reed, Laura Townsend (MAG), Vincent Kuntz (ISO 20022 RA), Ian Jacobs (W3C)
Chair
Ian
Scribe
Ian

Contents


Introductions

IJ: Welcome Tom Lowenthal (Brave) and Fawad Nisar (Discover)

Tom: Brave supports Brave rewards
... we'd like to extend our system to be able to make small payments to get through paywalls to get an instant subscription to a site, etc.
... we'd like to use PR API

Fawad: Discover; I am based in Sydney

Promo: Upcoming Web Commerce IG Call on Web Monetization

Agenda of 25 March WCIG call

Web Authentication

<Ian> Press release of Web Authentication publication as Recommendation

ij: web authn is now a recommendation
... does anyone have any questions?
... we have also invited the chairs of webauthn to our f2f

danyao: I think many payment stakeholders would think webauthn would be good in iframe

ij: any short-term responses from the group?

danyao: we have already flagged inside Google that we think this would be a good idea

<Ian> ACTION: Nicktr to work with Ian to bring the question of prioritizing "WebAuthn from an iframe" back to the WPWG

<trackbot> Created ACTION-112 - Work with ian to bring the question of prioritizing "WebAuthn from an iframe" back to the wpwg [on Nick Telford-Reed - due 2019-03-14].

Privacy Review of PR API

<Ian> Ian notes:

<Ian> ====

<Ian> * Privacy review 28 February

<Ian> https://lists.w3.org/Archives/Public/public-privacy/2019JanMar/0070.html

<Ian> * Proposed some new informative text based on review

<Ian> https://github.com/w3c/payment-request/pull/843

<Ian> * Several threads:

<Ian> - On billing address information shared through new event.

<Ian> * Sam Weiler proposed more negotiation so that the merchant could ask

<Ian> for less than the entire billing address.

<Ian> * Today we have redactList (optional). We plan to update the spec

<Ian> to increase the redactList size. But doing so will also raise the risk

<Ian> that a merchant does not have enough information for proper tax

<Ian> computation.

<Ian> * One question is whether redactList should be mandatory; but right now

<Ian> there are different implementations. Need to check with browsers

<Ian> whether to make redactList mandatory.

<Ian> * Some discussions have taken place about a feature where merchants

<Ian> can indicate the fields they require. Question for the group will

<Ian> be asked in the form of an upcoming CFC to return to CR.

<Ian> - canMakePayment() abuse mitigation

ij: as part of getting to candidate review, we needed to go back to the privacy working group

<Ian> Some of the threads relate to implementation; some relate to potential

<Ian> specification changes.

<Ian> * Finer grain error messaging when false() (e.g., to indicate

<Ian> privacy preference or for debugging)

<Ian> * Whether to inform the user in the UI when canMakePayment is called

<Ian> * Some suggested clarificaitons to the specification

<Ian> https://github.com/w3c/payment-request/pull/843#issuecomment-470262761

<Ian> ====

ij: most of the changes are editorial
... there was a lot of conversation about billing address event
... Sam Weiler suggested we should investigate ways to send less billing information (when not required by the merchant)
... I reviewed the various threads with browser vendors
... we fixed a bug in the Basic Card specification
... but we would need to change the API to add more functionality than the redactList
... my sense is that this is an edge case and that we should push the discussion to V1
... the working group can weigh in during the CFC process for our return to Candidate Recommendation
... I also observe that the idea of merchant indicating required data relates to issue 97 raised previously by MattS
... A second question is around whether redactList should be informative or normative
... implementations differ
... Thirdly there was a question on canMakePayment
... a) fine-grained error messaging
... b) secondly indicating that canMakePayment is active to the user
... do browser folks see implementation changes?

tomlowenthal: we are making some changes similar to FF to reduce fingerprinting risk
... it seems like there are at least two browsers that would like to re-open that issue

Rouslan: I think Marcos' comments refer to previous definition of canMakePayment()
... implementations are converging on same behavior of canMakePayment() (as discussed at TPAC)
... the spec has changed accordingly
... the consensus definition of canMakePayment() is that it does not check for instruments; just checks for presence of the payment handler
... so for Basic Card, whatever is in the user browser, canMakePayment will return true() for FF, Chrome 74, and Edge
... Safari will return false() for BasicCard but true() for ApplePay
... and the spec does not need to be changed
... regarding other PING comments
... I think in the long term Chrome will implement things like better error granularity and user controls
... but in the short term, if there are concrete suggestions to the spec that are requested, we should use issues on GitHub and then discussing the proper changes there
... note that Chrome has already started to implement 1.1 features (hasEnrolledInstrument())
... I think it would be reasonable that canMakePayment() returning a third value, e.g., could be a 1.1 feature
... but first we need more discussion
... including at the FTF meeting

<nicktr> +1 to discussing at the F2F

Rouslan: we also need to write tests

<Ian> https://github.com/w3c/payment-request/pull/843

ij: I want to point out a pull request from the privacy review
... right at the end there is a little bit of explicit discussion of the reponses that could be returned

ij: I see Marcos saying FF would return "true" which aligns with the "handler is registered" approach

<Ian> tomlowenthal: the difference between 'can' and 'is primed' is subtle

<Ian> ...we share Mozilla's preference to make responses to non-interactive calls as uniform as possible to reduce value of fingerprinting factor

<Zakim> rouslan, you wanted to confirm ian's point

rouslan: Yes, in agreement now with Marcos

https://github.com/w3c/payment-request/pulls

<nicktr> scribenick: nicktr

ij: PR833 is v1.1
... my pull request on the privacy review

<Ian> https://github.com/w3c/payment-method-basic-card/pulls

ij: there is a bug which needs fixing
... to Rouslan's point, we will need to converge on pull requests and we can then use the CFC
... I anticipate the CFC next week
... and allow 10 days to repond

<Ian> Possible timing:

<Ian> * 11 March: Start CFC

<Ian> * 21 March: End of CFC

<Ian> * 26 March: Publish new CR

<Ian> * 2 April: FTF meeting

ij: this allows us to publish a new CFC before the F2F
... please look out for that

Face-to-face meeting

<Ian> 2-3 April FTF meeting page

nicktr: We moved agenda items around to enable Marcos to attend remotely
... let us know if that creates any issues for you
... our thinking is that we'll spend a bunch of time on morning of day one on SRC

<nicktr> ij: we anticipate demos from Mastercard and Visa

<nicktr> ij: we are at 25 registrants and anticipate more

<nicktr> ij: and I wanted to point to the list of guests which is growing and diversifying

<nicktr> ij: For the first time we will have firstdata and adyen...also Teddy Toms from Paypal

<nicktr> ...and (thanks to Laura Townsend's efforts) Target, BestBuy and Walmart will have participants

<nicktr> ij: I wondered if we might have a panel with merchants?

<nicktr> ij: I am sure merchants will also weigh in on SRC

<nicktr> ij: how do we get most useful session with merchants?

lte: We can set up time with guests to brainstorm together

<scribe> ACTION: Laura Townsend to organize a call among interest parties (notably merchant guests) on how to organize a merchant/adoption session

<trackbot> Created ACTION-113 - Organize a call among interest parties (notably merchant guests) on how to organize a merchant/adoption session [on Laura Townsend - due 2019-03-14].

IJ: Who would like to be invited to a discussion about structuring a merchant panel?

NickTR: Me

Ian: Me

Luis: Me

<nicktr> luis: what is your current expectation around an ACH demo?

IJ: Luis, status of ACH session?

Luis: Working on a prototype; thanks to Chrome colleagues for helping out
... hoping to have a prototype at the FTF meeting

<nicktr> That sounds awesome

<nicktr> ij: demos are super useful for driving engagement

<nicktr> ij: could Brave bring something?

<nicktr> tomlowenthal:

<nicktr> tomlowenthal: I don't think we have anything just now

<nicktr> ij: thanks laura

<nicktr> ij: any other questions?

<nicktr> ij: visa are working out dinner plans

<nicktr> ij: any one who is around on 1st April - we could hang out informally

<nicktr> ij: watch the meeting page

Q: Would a primer on the ecosystem of web payment specs be valuable?

Tom: Yes

Danyao: Yes

Luis: Yes

NickTR: Let's start with a deck

Next meeting

21 March

NickTR: it would be super useful to bring any FTF needs to the 21 March call

Cheers!

Summary of Action Items

[NEW] ACTION: Laura Townsend to organize a call among interest parties (notably merchant guests) on how to organize a merchant/adoption session
[NEW] ACTION: Nicktr to work with Ian to bring the question of prioritizing "WebAuthn from an iframe" back to the WPWG
 

Minutes manually created (not a transcript), formatted by David Booth's scribe.perl version 1.154 (CVS log)
$Date: 2019/03/07 18:25:34 $