W3C

Web Payments Working Group

23 June 2022

Attendees

Present
Anne Pouillard (Worldline), Carey Ferro (Discover), Clinton Allen (American Express), David Benoit, Erhard Brand (Entersekt), Gerhard Oosthuizen (Entersekt), Gregoire Leleux (FIME), Ian Jacobs (W3C), Jean-Luc di Manno (FIME), Jean-Michel Girard (Worldline), Jean Emer (Stripe), Nick Telford-Reed, Praveena Subrahmanyam (Airbnb), Ryan Watkins (Mastercard), Stephen McGruer (Google), Susan Koomen (American Express), Suzie Annezo-Sébire (FIME)
Chair
Nick Telford-Reed
Scribe
Ian

Meeting minutes

Upcoming meetings

Schedule to TPAC

Nick: Just wanted to be sure everyone had seen that.

TPAC agenda

See the WPWG agenda in development and TPAC home page

Ian: Any other suggestions for the agenda?

Nick: FTF is great opportunity to make progress on some topics.
… if you think of anything, please let the chairs know

Nick: Registration will open later this month.
… of those present today, say +1 if you plan to go

Nick, praveena, Ian: +1

<nicktr> +1

<smcgruer_[EST]> +1

<Gerhard> Entersekt +2

Action item review

Review of 26 May actions

Ian: David, any interesting digital identity initiatives in Canada?

David: I am talking to some people at payments canada next week

Experimental opt-out feature

https://github.com/w3c/secure-payment-confirmation/issues/172#issuecomment-1138725046

Stephen: We have added the very experimental support for an opt-out flow; PURELY AN EXPERIMENT
… will run from M104-M106 (e.g., through October)
… want to see if this helps resolve the opt-out issue; we welcome input from people.
… e.g., can we reduce the amount of text? We also want to avoid user confusion.

Jean: We are looking at this within Stripe; review is ongoing

Issue 12

See Chrome Team proposed opt-out feature for SPC

https://github.com/w3c/secure-payment-confirmation/issues/12#issuecomment-1163609786

PROPOSE: Make issue 12 an "after v1" issue

Erhard: +1

<praveenas> +1

<clinton2> +1

<smcgruer_[EST]> +1

<nicktr> +1

Ian: +1

<Anne> +1

<JM_Girard> +1

ACTION: Ian to mark issue 12 as "after-v1"

david: +1

SPC to CR

Vision

<nicktr> examining spec against requirements

Ian: One potential feature at risk (for example): opt-out feature...if we decide we don't need it.

nicktr: "secure-payment-confirmation" is not short. What do you think about "spc" as a short code?
… as an alternative?

[wide review]

New issue 194

https://github.com/w3c/secure-payment-confirmation/issues/194

smcgruer_[EST]: This is close to editorial. In the implementation we do checking on data.
… payment request does not enable this; technically we need to fix that in PR API

Ian: What are dependencies? e.g., prevent us from entering CR?

smcgruer_[EST]: The implication is that the implementation is not quite to-spec

[Issue 191]

https://github.com/w3c/secure-payment-confirmation/issues/191

smcgruer_[EST]: I would argue this falls into the same bucket as "is this the right API shape" discussion, which is already after-v1

Todos:

* Heard back on opt-out experimental feature

* Resolve a couple of issues

* Document implementation plan

Proposed timeline if we get those things done:

18 August: WPWG call to discuss going to CR

18 August: Start Call for Consensus until 5 September

12 September: WPWG meeting starts at TPAC

Post-TPAC: Request to advance to CR

<JeanLuc> Why #29 is tagged 'after v1' as it is already published in EMV 3DS 2.3?

<Gerhard> question: when do we anticipate to have SPC available in Chrome for Android :-)

<Gerhard> Correct. But SPC does not play a role there.

<cferro> +1 to close

Gerhard: For me, "frictionless" means getting an assertion without proof of possession element requiring a user gesture
… large proportion of the world does not have a biometric sensor

Gerhard: SPC integration into 3DS does not preclude frictionless flow

[We will close 29]

<nicktr> +1

SPC for Chrome in Android?

smcgruer_[EST]: No promises but hope late Q3
… maybe I'll be able to do a demo at TPAC

Gerhard: More support makes more interest for us to pitch SPC adoption

More Issue 172 discussion

smcgruer_[EST]: On the opt-out, we've said for a while we will hear back.

JeanLuc: I have a question -the opt out proposal does not currently require authentication first.
… is that a problem?

smcgruer_[EST]: That's a great question. We have discussed that during the course of issue 172.
… in our proposal, it's up to the RP and handling web site to authenticate the user (as needed)
… our assumption is that the RP will do some post-authentication before doing the actual opt-out
… if this turns out to be something we need to invest in further, then browser-driven auth is something to consider

JeanLuc: So the idea is the RP can use the opt-out mechanism to redirect the user to the RP and the RP can decide whether to authenticate the user before doing opt-out?

JeanCarlo: What we would be likely to do is that if the user goes through 3DS step up, then the credentials would be deleted after confirmation of the user idnetity

<Zakim> smcgruer_[EST], you wanted to return to Ian's previous comment on opt-out (after this discussion)

smcgruer_[EST]: I heard from Ian that we proceed towards the plan and have a rough deadline of the middle of August to include opt-out or not.

Ian: Since not in the spec, should not prevent us from going to CR. BUT I would want to raise implementer awareness at CR. And ideally close 172 before going to CR.
… we could mark it as "at risk"

<Gerhard> +1 for spec post v1.

+1 for marking 172 as after-v1 if we learn later we need additional text in the spec

<nicktr> +1

PROPOSAL for issue 172:

a) Continue to experiment

b) If we learn some spec text is needed, consider that after-v1

<nicktr> +1

Next Meeting

7 July

Summary of action items

  1. Ian to mark issue 12 as "after-v1"
Minutes manually created (not a transcript), formatted by scribe.perl version 185 (Thu Dec 2 18:51:55 2021 UTC).