W3C

Card Payment Security Task Force

16 Sep 2020

Agenda

Attendees

Present
Ian Jacobs (W3C), Clinton Allen (American Express), Fawad Nisar (Discover), Jeff Hodges (Google), David Benoit, John Fontana (Yubico), Adrian Hope-Bailie (Coil), Danyao Wang (Google)
Regrets
Jonathan Grossar
Chair
Ian
Scribe
Ian

Contents


Agenda

TPAC agenda on card payment security

https://www.w3.org/securepay/wiki/Meeting/Oct2020

FTF agenda of WPWG

IJ: Proposed FTF topics -> Status of experimentation with proposed architecture, impact of SPC on SRC thinking, etc.

<clinton> +1

<jeffh> +1

<Fawad> +1

src proposed architecture udpates

https://github.com/w3c/src/wiki/ProposedArchitecture

IJ: Any experimentation to be able to share with the group?

Fawad: Nothing from us at this time.

Clinton: We are reviewing the proposal; nothing to contribute to virtual meeting

IJ: Interesting question would be to figure out instrument selection to ensure supports SRC

Danyao: I think we have three tracks:

- What we need from 3DS for pilot

- Second track is related to instrument selection; agree we are gathering requirements.

scribe: the user problem statements need to be fleshed out
... we want to use some of the WPWG session to hear from folks involved in non-card payment flows

IJ: For 3DS is this task force useful or more WPSIG?

Danyao: more WPSIG

https://github.com/w3c/src/blob/gh-pages/src-prapi.md

https://github.com/w3c/src/wiki/UX-Assumptions-and-Requirements

IJ: Should we start from assumptions and build new architecture?

Danyao: Main question from browser perspective is: what is a unique problem that having more integrated browser support would help to solve?
... SRC is out there in some form already. What capability would improve that?
... e.g., user identity through cookies is a recurring theme.

IJ: +1 that identity persistence is a big one

AdrianHB: The opportunity to execute code in a 3p context and rely on cookies seems sought after
... it could be interesting to have a persistent payment credential available to limited parties during PR API
... what payment credentials can provide is a more specific mechanism (than cookies)
... the RP may not be able to authenticate the user, but we could come up with persistent technology to identify the user.

IJ: Could card brands document based on experience of what could be improved?

Clinton: I would look at challenges and next steps that card brands need to take to make progress

Next steps this task force

IJ: How can we be useful?

Clinton: Timing is an issue. Putting some level of priority ... what is point of time that these things need to be resolved?
... the work might be the right work but not enough energy to move forward

Fawad: I would agree. I think people we spoke with understood the problem to be solved.
... but may not be the top priority
... also some unanswered questions - what origin would host common payment handler

IJ: Do we need this task force? Or should we elevate to the full WG?

Clinton: That might make sense.

Danyao: +1 to previous comment from Clinton about making clear urgency
... It's not clear as a WG bystander what the milestones and deliverables of the task force and urgency

IJ: What we said we would do:

- Develop proposed architecture

https://github.com/w3c/src/blob/gh-pages/src-prapi.md#browser-makers

- Get implementation experience

- Get FPWD

IJ: We stalled on implementation experience

Danyao: We are very curious about the implementation experience of the card brands
... very important to understand what browser capabilities would help

[On payment credentials for identity management]

AdrianHB: I am still wrapping my head around SRC. Things are described by roles, and that creates challenges when mapping to real-world entities

IJ: I'd like to use this task force for (1) hearing implementation experience and (2) reviewing [NEW] proposals for SRC using new web capabilities
... so likely only to convene for those things

<jeffh> IJ's musing on Architecture for Selection and Authentication: https://github.com/w3c/webpayments/blob/gh-pages/proposals/arch2020.md

Danyao: I think as browser vendors we could do more to say what we want to see (a sort of template) in order to do things like implementation for testing

<scribe> ACTION: Danyao to send email with questions that will help with prioritization

Next meeting

None scheduled

Summary of Action Items

[NEW] ACTION: Danyao to send email with questions that will help with prioritization
 

Summary of Resolutions

[End of minutes]

Minutes manually created (not a transcript), formatted by David Booth's scribe.perl version (CVS log)
$Date: 2020/09/16 16:36:49 $