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Main Page/FTF Feb2016

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Meeting page for the Web Payments Interest Group. Questions? Ian Jacobs <ij@w3.org>.

Hotels

Meeting Goals

  • Ensure IG participants are satisfied with direction and activities of the group
  • Determine promising areas for deeper discussion on standardization opportunities for W3C.

Agenda

  • 08:30-09:00: Arrival and setup
  • 08:45-09:00: Welcome new participants
  • 09:00-10:00: US Fed Faster Payments evaluation criteria and what they mean for Web standards (Pat) Pat's slides
  • 10:00-11:00: PSD2, technical standards development, and what it means for Web standards needs (Evert Fekkes and Geoffroy Goffinet)
  • 11:00-11:30: Break
  • 11:30-12:30: Verifiable Claims Task Force Update (Manu) (Manu slides)
  • 12:30-13:30: Lunch
  • 13:30-14:30: Blockchain and the Web (Erik and Doug)
  • 14:30-15:00: Break
  • 15:00-15:30: ISO20022 Harmonization task force update (Vincent) ISO 20022 harmonization slides
  • 15:30-16:00: Inter Ledger Protocol (Adrian, Evan) (ILP slides)
  • 16:00-17:00: IG check-in and other topics (DavidE) (David slides)
    • Coupons, loyalty, and digital marketing (Ian)
    • Capabilities resources and next steps (Ian)
  • 17:00-17:30 Visa Developer API Introduction (Vish Shastry)
  • 17:00-18:00 Extra time as needed
    • VCTF next steps
  • Actions/next steps
    • Faster payments criteria evaluation?
    • Faster payment "standards" effort within FPTF?
    • Implications of PSD2 requirements on Web technology
    • Update to use cases based on new actors in PSD2 (PISP, AISP) (PSD2)
    • New flows for WPWG? (PSD2)
    • Summer FTF meeting (e.g., on roadmap)?

Themes emerging from discussion

  • Terminology (Faster)
  • ISO20022 (Faster)
  • Strong authentication (Faster, PSD2)
    • Exemptions (PSD2)
  • Privacy protection (of credentials) (PSD2, VCTF)
  • Fraud mitigation (VISA)

Candidate Topics

Confirmed

US Fed Faster Payments evaluation criteria and what they mean for Web standards
  • Session Lead: Patrick Adler
  • Time Requirement: 60 minutes
  • Goals:
    • Inform the IG about this effort at the US Fed
      • Faster Payments Task Force
      • Secure Payments Task Force
    • Begin to strategize how to use the US Fed initiative to accelerate W3C Web Payments
  • Rough Topic List:
    • Secure Payments, Faster Payments, Criteria Consideration for the Activity, Marketing the Activity through Criteria
  • Specific ramifications for Web Payments:
    • The criteria that submissions be "ubiquitous" could make use of W3C Web Payments an advantage
    • Other criteria might need to be considered in the use cases
  • Agenda timing
    • US Fed Task force status update (10 mins)
    • Review of final US Fed effectiveness criteria (15 mins)
      • And glossary mention
    • Discussion of Web standards needs implied by effectiveness criteria (30 mins)
      • Implications for WPWG work (e.g., HTTP API)?
    • Next steps (5 mins)
      • Do we need people to study the implications in more detail?
      • Do we need to provide input to the WPWG?
      • Industry provider showcase opportunity?
      • Do we have new use cases to add to our documentation?
Verifiable Claims Task Force Update
  • Session Lead: Manu Sporny
  • Time Requirement: 60 minutes
  • Goals:
    • Update IG on expert interviews, research findings, and use cases.
    • Determine if there is consensus to start creating a charter for a Working Group.
  • Topic List:
    • Review Problem Statement and interviews
    • Review areas of consensus
    • Review areas of concern
    • Review payment-specific use cases
    • Discuss next steps
  • Background Material:
  • Specific ramifications for Web Payments:
    • Shopping Cards and Digital Coupons (customer loyalty)
    • Verified Shipping/Billing Address (reduce mis-shipped goods)
      • 4.7% of all goods are mis-shipped, $35-$75 per package to rectify
    • Proof of Account at Bank (international remittances)
    • Proof of Age (for purchasing age-restricted goods/services)
    • Identity Proofing (Know Your Customer, Anti-Money Laundering, large value transactions)
  • Verifiable Claims Task Force Homepage
ISO20022 Harmonization task force update
  • Session Lead: Vincent Kuntz
  • Time Requirement: 45 minutes
  • Goals:
    • Discuss Progress of the Task Force
    • Determine needed contributions from the IG
  • Rough Topic List:
  • Specific ramifications for Web Payments:
    • TBD
  • Link to TF Page
Inter Ledger Protocol
  • Session Lead: Adrian Hope-Bailie
  • Time Requirement: 30 minutes
  • Goals:
    • Show progress in thinking about ILP
    • Present short demo
    • Determine role of the IG in ILP work with probably timeline (if any)
  • Rough topic list:
  • Specific Ramifications for Web Payments:
  • Link to work (TBD)
Blockchain and the Web
IG Status And Closing Topics
  • Session lead: David Ezell
  • Time Requirement: 60 minutes
  • Goal: Review how the IG is doing, changes since TPAC
PSD2, technical standards development, and what it means for Web standards needs
  • Session Lead: Evert Fekkes
  • Time Requirement: 60 minutes
  • Goals (Draft)
    • Raise awareness within the W3C about PSD2
    • Hear from EBA about process and status, to help W3C handle "technical requirements" that will be issued mid-2016.
    • Hear at a high level the main PSD2 topics that are likely to relate to W3C's agenda.
  • Agenda (Draft)
    • (20) Mr. Geoffroy Goffinet (EBA) will review the mandate around PSD2, process for hearing industry feedback and creating requirements, timelines, and main issues likely to relate to W3C agenda (e.g., strong authentication, open API access).

shares status information on EBA fact-finding and highlights topics that W3C and other standards bodies should be aware of.

    • (10) Evert Fekkes will assess the impact of PSD2 and open banking on the EU market, and the specific roles of the AISP and PISP (and the potential impact for W3C).
    • (25) Q&A
      • @@We expect to have some seed questions in advance of the meeting.
    • (5) Discussion of next steps

Anticipated but not confirmed

ECommerce Update (e.g., Workshop plans)
  • Session Lead: David Ezell (or other)
  • Time Requirement: 60 minutes
  • Goals:
    • Discuss potential workshop plans
    • Determine needed contributions from the IG
  • Rough Topic List:
    • Present summary of ideas from meetings
    • Determine effectiveness of coverage of the merchant community
  • Specific ramifications for Web Payments:
    • TBD
  • Link to TF Page
Additional Ideas
  • Capabilities update
    • Ian believes this is unlikely