W3C

Web Payments WG

29 September 2022

Attendees

Present
Carey Ferro (Discover), Christian Aabye (Visa), David Benoit, Grégoire Leleux (FIME), Ian Jacobs (W3C), Michael Horne (American Express), Praveena Subrahmanyam (Airbnb), Rolf Lindemann (Nok Nok Labs), Sameer Tare (Mastercard), Soumya Chakrabarty (JCB), Stephen McGruer (Google), Steve Cole (MAG), Sue Koomen (American Express)
Regrets
Nick Telford-Reed, Gerhard Oosthuizen
Chair
Ian
Scribe
Ian

Meeting minutes

TPAC debrief

TPAC agenda (with links to minutes)

Ian: Any thoughts to share to get started?

Carey: Fantastic TPAC, helped me get more involved.

Ian: How was the AV?

Praveena: Really good

[Action review]

Stephen to check whether the attestation is available during SPC flow

smcgruer_[EST]: I think the answer is "not yet" due to current WebAuthn. But passkeys will make this a thing, but without a guarantee.
… we should find out whether you'll have to ask for it.

* Sameer to see about enhancing 3DS flow to include attestation if available in SPC context

SameerT: We are relying on output of SPC; so we're already covered if it's just part of the usual output.

smcgruer_[EST]: If 3DS allows bundling of the assertion should be covered.

SameerT: Need to ensure size not a problem, otherwise ok

* Stephen to get info on priority of more icons in transaction dialog from design team

smcgruer_[EST]: I spoke to UX people; hoping to see this tackled in Q4.

* Sameer to work with the 3DS WG to write down in more detail the "non-payment transaction" use case.

Sameer: We haven't discussed yet, but likely to take up over next few weeks then will have a timeline

joint meeting notes

On Auth failure after authentication

Ian: With SPC, could one display an error before calling complete()?

[Review of another pay experience]

Ian: Could a merchant "do the right thing"?

smcgruer_[EST]: Good question what will happen if you call complete(fail).

smcgruer_[EST]: I think the concerns I heard were more about defense against malicious merchant.

SameerT: One thing that might help is to look at sequence of steps that happens.
… the merchant uses results of 3DS to send for authorization.

SPC updates

https://github.com/w3c/secure-payment-confirmation/pull/212

https://github.com/w3c/secure-payment-confirmation/issues/81#issuecomment-1254076174

smcgruer_[EST]: I was working on some SPC feature detection ideas.
… today's approach is clunky.
… the issue now has a proposal
… there are some side issues not covered like "is spc available in a form that I want it" (e.g., use platform authenticator only)
… I think we need developer input on this topic

Ian: Any comments on 3DS integration?

smcgruer_[EST]: No impact

praveena: Adyen had brought this up early in the pilot development.
… I think it would make life easier

smcgruer_[EST]: Probably true that "existing user" input is not as available as "new user"

smcgruer_[EST]: We would do this except that we keep debating the overall shape of the API.

praveena: +1

[On getting SPC to CR]

Ian: TAG now satisfied, I18N now satisfied

Ian: Check with WG about waiting a bit longer for Webkit input before going to CR

https://github.com/w3c/secure-payment-confirmation/wiki/SPC-Candidate-Recommendation-Vision

SameerT: Process question - once a feature is in CR is there a qualification process to not make breaking changes?

[On EMVCo process and breaking changes]

[And time required to respond to breaking changes]

Ian: Any new updates?

smcgruer_[EST]: We are looking at M108 android.

smcgruer_[EST]: We've been watching SPC traffic; saw a spike 2 weeks ago; success rate of those authentications was very high.

smcgruer_[EST]: Our opt-out origin trial ends end-of-year; we'll make a decision then based on partner demand.

smcgruer_[EST]: We did bring up create() in cross-origin iframe within webAuthn WG last week
… there is ongoing discussion

<smcgruer_[EST]> https://github.com/w3c/webauthn/pull/1801#issuecomment-1261222538

Rolf: Any signals from other browser vendors re: SPC?

[None heard]

Next meeting

Ian: EMVCo meets then

13th Oct

Minutes manually created (not a transcript), formatted by scribe.perl version 192 (Tue Jun 28 16:55:30 2022 UTC).