Web Payments Interest Group Charter
The mission of the Web Payments Interest Group, part of the Web Payments Activity,
is to provide a forum for Web Payments technical discussions to identify use
cases and requirements that existing and/or new specifications need to ease
payments on the Web for users and merchants, and to establish a common ground
for payment service providers on the Web Platform.
Version: 0.1 - published 15 May
2014. See the
comments received on this version
see the
LATEST Version of the Charter
End date |
@@ June 2017 |
Confidentiality |
Proceedings are Public.
|
Initial Chairs |
|
Initial Team Contacts
(FTE %: 20) |
Stephane Boyera |
Usual Meeting Schedule |
Teleconferences: Teleconferences to be held as required. Task Forces
may have separate calls that will not overlap with others.
Face-to-face: Up to 3 per year as required |
Scope
The Web Payments Interest Group's scope covers payment transactions on the
Web over a variety of devices (computer, mobile, tablet, etc.) and channels
using a variety of payment instruments (credit cards, loyalty cards, coupon,
new payment systems such as e.g. Paypal, Google wallet, etc., new
cryptocurrencies such as e.g. Bitcoin, Ven, etc.). It also covers
business-to-person (B2C) and person-to-person (P2P) transactions, as well as
physical (payment at physical shops) and online payments for physical or
digital goods, including in-app payments.
The tasks that the Interest Group will undertake include:
- Identification of use-cases and scenarios of payment transactions on the
Web that need to be addressed.
- Identification of requirements for more secure and interoperable
management of payment transactions on the Web Platform. This includes the
identification of areas and places where standards are needed.
- Identification of gaps in the Web Platform that do not allow the
identified requirements to be met.
- Prioritization of the work items that need to be launched to fill the
identified gaps.
- Review of deliverables under development by other W3C groups that are
relevant to the IG scope and report bugs as appropriate.
- Liaison with other organizations in the payment industry that are using
the Web Platform for their technical specifications and/or their services
to foster alignment and interoperability on a global scale.
Note:
- In general, technical development of standards is not in scope for the
Interest Group.
- The Group will consider the security, privacy and accessibility
implications of its use cases and requirements, and seek appropriate
review.
Success Criteria
We have succeeded if we can achieve the following:
- Participation via mailing list subscription and postings from people
representing various stakeholder communities, including banks, payment
industry, various regulators, payment standardization bodies, hardware and
software developers, mobile operator companies, browser vendors,
application developers, merchants and merchants association, and users
- Members of the Interest Group join relevant Working Groups and drive the
development of work items
- Constructive feedback on W3C deliverables posted for review on the Web
Payments IG mailing list
- Successfully engage and coordinate with other organizations in the
payments industry
- Successfully develop a roadmap for Web Payments that identifies the key
buildings blocks and challenges that need to be addressed and the roadmap
is supported by the major players in each category of stakeholders
Deliverables
The primary deliverables of the Web Payments Interest Group are IG notes
that identify requirements for existing and/or new technical specifications,
gaps in the Web Platform, and a roadmap for the Web Payments activity. In more
details:
- The IG would identify specific use cases and requirements which impact
existing Working Groups and bring those requirements to those Working
Groups (e.g. WebApps, WebCrypto).
- The IG would identify where W3C needs to create new Working Groups to
address payment specific needs of the Open Web Platform. Some
example areas might include WebWallet APIs or digital signature. New WGs
might be needed either because of scope expansions beyond existing WGs, or
if fundamentally different communities of participants are required.
In addition, the group will review and comment on documents generated by the
other W3C groups and may review documents coming from external
organizations.
A preliminary list of topics and goals that members want to work on:
- Web Payments Architecture
- Identify a set of scenarios that are in the scope of Web Payments
work, including e.g. payments in brick and mortar stores with mobile
devices.
- Identify where standards are needed to:
- Enable a level-playing field for payment service providers,
opening the market for more innovation and competition.
- Reduce the burden on merchants to support multiple payment
providers along with improved security and customer confidence.
- Provide more flexibility for users to use multiple payment
instruments.
- Increase user protection (privacy, fraud, etc.) when paying on
the Web.
- Wallet and Wallet API
- Identify the role and the place of a digital wallet in the payment
process.
- Define an open framework that encourages innovation in digital
wallets and leverage interoperability with merchants sites.
- Identify the functionalities of wallets and the interactions with the
different stakeholders.
- Identify the needs for standards.
- Identify requirements for integrating new payment schemes such as
loyalty cards or coupons.
- Payment Transaction Messaging
- Define a standard way for Web merchants to describe transaction
contents and merchant identification (aka “tokens”).
- Define a standard way for payment service providers to communicate
transaction results back to the Web merchants and users.
- Define a standard way to initiate payment process within a web
application
- Identity, Authentication, and Security
- Evolve the browsers to enable high value authentication.
- Review existing Identification mechanism and identity providers on
the Web and whether they fit with payments requirements in terms of
privacy and security. Develop requirements and use-cases otherwise to
seed new work in the area.
- Access basic user and payment provider information via the Web in a
way that is easy to synchronize across devices and easy to share with
various merchants given authorization by the customer.
- Minimize risk in identifying users by:
- Building on top of the Web Cryptography API implemented by
all major browsers.
- Including hardware tokens, smartcards, biometrics, mobile, 2nd
factor authentication, etc.
- Explore possible mechanisms for Trusted UI.
Timelines
The IG will, during its life time, undertake different activities that may
proceed in parallel. No specific timeline has been identified at this point,
but the various activities are intended to be running for a short period of
time (2-4 months), with the possibility of running a few iterations of them.
Dependencies and Liaisons
W3C Groups
Groups that the IG will most likely cooperate with are listed below.
- Web Payments
CG
- The purpose of the Web Payments Community Group is to discuss,
research, document, prototype, and test Web payment systems.
- Device APIs WG
- This group creates APIs for payments-related features/devices.
- Geolocation WG
- Charged with standardizing position detection of users and devices,
which can be used to initiate new payment flows.
- Social
Web WG
- The Social Web will be working on a way to identify users in a
decentralized way and will also be one way of requesting payment for
goods and services.
- HTML WG
- HTML will be one of the primary user interfaces for Web Payments.
- NFC WG
- NFC will be utilized to perform short-range wireless Web payments.
- Web Applications WG
- The Web Apps WG may create APIs to manage the payments process.
- Mobile and Web IG
- Adoption of the Mobile Web as a compelling platform for the development
of modern mobile web applications.
- System Applications WG
- Runtime environment, security model, and associated APIs for building
Web applications with comparable capabilities to native application.
- RDF WG
- The RDF WG is in charge of JSON-LD specification that is relevant for
transporting payments messages.
- Privacy IG
- Review on privacy and anonymity considerations for Web Payments.
- Web Cryptography WG
- Web payments security and authentication.
- Protocols and Formats WG
- Review of accessibility support in Web Payments.
External Groups
There are a number of external groups working in areas related to the ones
in scope for the Web Payments IG. The Interest Group should determine whom to
communicate with and then maintain communication with them. The following
groups are likely to be important:
- IETF
- Internet Engineering Task Force is an open-standards development
organization which develops and promotes Internet standards, cooperating
closely with the W3C and ISO/IEC standards bodies and dealing in
particular with standards of the TCP/IP and Internet protocol suite.
- GS1
- GS1 is an international not-for-profit association with Member
Organisations in over 100 countries. GS1 is dedicated to the design and
implementation of global standards and solutions to improve the
efficiency and visibility of supply and demand chains globally and across
sectors. The GS1 system of standards is the most widely used supply chain
standards system in the world.
- SWIFT
- The Society for Worldwide Interbank Financial Telecommunication (SWIFT)
provides a network that enables financial institutions worldwide to send
and receive information about financial transactions in a secure,
standardized and reliable environment. The majority of international
interbank messages use the SWIFT network. As of September 2010, SWIFT
linked more than 9,000 financial institutions in 209 countries and
territories, who were exchanging an average of over 15 million messages
per day (compared to an average of 2.4 million daily messages in
1995).
- PCI Security
Standards
- The PCI Security Standards Council is an open global forum, launched in
2006, that is responsible for the development, management, education, and
awareness of the PCI Security Standards, including the Data Security
Standard (PCI DSS), Payment Application Data Security Standard (PA-DSS),
and PIN Transaction Security (PTS) requirements.
- UNCITRAL
- The core legal body of the United Nations system in the field of
international trade law. A legal body with universal membership
specializing in commercial law reform worldwide for over 40 years.
UNCITRAL's business is the modernization and harmonization of rules on
international business.
- Good
Relations
- Web Vocabulary for E-Commerce
- ANSI
- The American National Standards Institute is a private, non-profit
organization that oversees the development of voluntary consensus
standards for products, services, processes, systems, and personnel in
the US.
- ISO
- ISO (International Organization for Standardization) is the world’s
largest developer of voluntary International Standards. International
Standards give state of the art specifications for products, services and
good practice, helping to make industry more efficient and effective.
Developed through global consensus, they help to break down barriers to
international trade.
This is not intended as an exhaustive list, but illustrative of groups
working on related technologies.
Participation
Participation is open to W3C Members and invited experts.
In order to make rapid progress, the group MAY form several Task Forces
(TFs), each working on a separate topic. Group members are free to join any
number of TFs.
Participants are reminded of the Good
Standing requirements of the W3C Process.
Decision Policy
The group will aim to proceed by consensus.
Where there is consensus among the representatives of W3C members in the
group, it will be forwarded as a consensus position. Where the group does not
reach agreement, the different positions (whether held by W3C members or other
members of the group) will be considered together.
All technical resolutions made by a meeting of the group are provisional
until two weeks after being published to the mailing list. An objection made on
the mailing list within two weeks of publishing a decision has the same
standing as if it were made at the meeting.
Patent Disclosures
The Web Payments Interest Group provides an opportunity to share
perspectives on the topic addressed by this charter. W3C reminds Interest Group
participants of their obligation to comply with patent disclosure obligations
as set out in Section 6 of the W3C Patent Policy. While the Interest Group
does not produce Recommendation-track documents, when Interest Group
participants review Recommendation-track specifications from Working Groups,
the patent disclosure obligations do apply.
For more information about disclosure obligations for this group, please see
the W3C Patent Policy
Implementation.
About this Charter
This charter has been created according to section 6.2 of the
Process Document. In the event
of a conflict between this document or the provisions of any charter and the
W3C Process, the W3C Process shall take precedence.
IG co-Chairs: TBD
Web Payments Team Contact: Stephane Boyera
Copyright© 2014
W3C ® (MIT , ERCIM
, Keio, Beihang), All Rights Reserved.
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