W3C

Web Payments Working Group

04 June 2026

Attendees

Present
Bjorn Hjelm (Yubico), Dan Pelegero (RPG), Darwin Yang (Google), David Benoit, Ehsan Toreini (Samsung), Ian Jacobs (W3C), Jean-Luc di Manno (FIME), John Earnshaw (American Express), Rogerio Matsui (Rakuten), Ryan Watkins (Mastercard), Sami Tikkala (Visa), Stephen McGruer (Google), Steve Cole (MAG), Sue Koomen (American Express), Takashi Minamii (JCB)
Regrets
-
Chair
Ian
Scribe
Ian

Meeting minutes

SPC BBKs

Ian: I see that both Stephen and I have expressed suppor for pull request #330, which modifies the BBK requirements document based on recent discussions in issue 321.

John: Me too

Darwin: Does this mean there also need to be edits to the SPC specification?

Ian: I think we said in previous discussions that a more explicit note would be useful for the spec.

stephen: Reasonable to do a pull request to make it explicit in the SPC section on BBKs.

stephen: I think it's implicit that there's one BBK per passkey, but we could spell out the implication that this BBK will not be associated with another passkey.

ACTION: John to investigate creating a pull request to align with the new BBK requirement description.

Ian: Should we link to the reqs doc from the spec?

Stephen: Not common to do.

John: From a readability perspective could be a note with link to requirements

(We agree to merge pull request 330, which was done during the call.)

Ian: Anything in the chrome implementation to do?

Stephen: I don't think so.

SPC and WebAuthn extensions

(Relates to Issue 326 on SPC and extensions that could expose private relying party sign in data; see pull request 332.)

stephen: WebAuthn extensions with SPC may create privacy and security issues.
… third parties can have access to private data
… we have identified one that should not be available to non-RP callers of SPC.
… the proposal is to bar third parties from specifying some extensions
… is there anyone who needs to use an extension as a third party?
… most extensions are used at registration time, so that's not as relevant for SPC
… we are unable to identify any extensions that are useful and safe at the same timed
… so the proposal is that non-RPs cannot use webauthn extensions in SPC authentication

Sami: I'm not aware of any necessary extensions from a 3DS perspective.
… I can ask the 3DS WG

stephen: We want to move quickly on this.

Sami: I can get back to you soon.

Stephen: In the future we could make another change to include an allow list.

ACTION: Sami to get back to Stephen re: any web authn extensions needed with SPC from 3DS WG perspective.

ACTION: Bjorn to also review pull request 332 and provide feedback.

SPC and roaming authenticators

Ian: Stephen asked a number of questions based on Bjorn's roaming authenticator requirements described in issue #12

stephen: I need some more time on this topic. I need to draw up "what this would look like from a UX perspective" if we support authenticators that may or may not be immediately available.
… this is a good opportunity to make SPC align more with how web authentication actually works.
… revisiting this is valuable but I need to look more into user journeys

ACTION: Stephen to draw up user journeys for roaming authenticators, taking into account how web authentication actually works today

ACTION: Bjorn to start answering some of the questions in the GitHub issue raised by Stephen.

(We'll come back to this on 2 July meeting)

AI/Ecommerce Workshop reminder

Ian: W3C has announced the Workshop: E-commerce for Humans and AI Agents , which will take place 8-9 September in Zurich. Hybrid participation will be possible. Please see how to participate.

Bjorn: Is the scope of the workshop clearly defined?
… work is happening in a variety of places around Agentic

Ian: Please add suggestions to the open issue for how to ensure that people don't jump immediately into solutions.

Next meeting

2 July

Summary of action items

  1. John to investigate creating a pull request to align with the new BBK requirement description.
  2. Sami to get back to Stephen re: any web authn extensions needed with SPC from 3DS WG perspective.
  3. Bjorn to also review pull request 332 and provide feedback.
  4. Stephen to draw up user journeys for roaming authenticators, taking into account how web authentication actually works today
  5. Bjorn to start answering some of the questions in the GitHub issue raised by Stephen.
Minutes manually created (not a transcript), formatted by scribe.perl version 248 (Mon Oct 27 20:04:16 2025 UTC).