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Talk:Payment Architecture Priorities

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provided by Chao Duan(Zephyr Tuan) from Alibaba:

1.qrcode payments: Requirements 

   Data encoding and encryption for invoices
   Data integrity and non-forgeable(digital signatures)
   Generate qrcode with client characteristic data

Limitations 

   None

Use cases 

   Mobile(Discovery of Offer)
   Invoices(Agreement on Terms)
   NEED MORE – Missing use cases

2.payment under guarantee: Requirements 

   Storage of payment’s status(include placed an order, paid to Payment Agent, received products or services, paid to merchant)
   Protocol for transmitting between payer and payment agent, payment agent and merchant
   Handling dispute in the process
   Storage of payer’s private information

Limitations 

   None

Use cases 

   Credentials (Agreement on Terms)
   Privacy Protection (Agreement on Terms)
   Variation of Delay (Completion of Transfer)
   Invoices(Agreement on Terms)
   NEED MORE – Missing use cases

3.risk monitoring: Requirements 

   Risk monitoring rules according to different transaction types
   Recognizing risky transactions by monitoring rules
   Alert about risk through email, sms, etc

Limitations 

   None

Use cases 

   NONE - Missing use cases

4.provisions transferring: Requirements 

   The bank transaction fund settlement to payment agent’s account
   payment agent’s account fund settlement to merchants’ bank account

Limitations 

   None

Use cases 

   NONE - Missing use cases
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