IRC log of wpwg on 2017-07-11
Timestamps are in UTC.
- 15:28:56 [RRSAgent]
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- 15:28:56 [RRSAgent]
- logging to http://www.w3.org/2017/07/11-wpwg-irc
- 15:28:58 [Zakim]
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- 15:29:06 [Ian]
- Meeting: Tokenization Task Force
- 15:29:20 [Ian]
- Agenda: https://lists.w3.org/Archives/Public/public-payments-wg/2017Jul/0005.html
- 15:29:22 [Ian]
- Chair: Ian
- 15:29:58 [Ian]
- present+
- 15:30:02 [Ian]
- present+ oyiptong
- 15:30:05 [Ian]
- present+ Roy
- 15:31:54 [Ian]
- present+ Manash
- 15:32:03 [Ian]
- present+ Keyur
- 15:32:53 [Ian]
- present+ SimonDix
- 15:33:18 [Ken]
- Ken has joined #wpwg
- 15:34:07 [Ian]
- present+ Ken
- 15:34:29 [Ian]
- topic: Introduction to Simon Dix
- 15:34:40 [Ian]
- Simon: Hello! I am at Mastercard and do EMVCo tokenization specs
- 15:35:20 [Ian]
- Topic: Updated mission statement
- 15:35:21 [Ian]
- https://lists.w3.org/Archives/Public/public-payments-wg/2017Jul/0005.html
- 15:35:29 [Ian]
- https://github.com/w3c/webpayments-methods-tokenization/wiki
- 15:36:09 [MANASH_MC]
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- 15:36:50 [Ian]
- topic: Keyur updates
- 15:37:29 [Ian]
- [We go to webex screen share]
- 15:37:35 [Ian]
- Manash: after the call we'll update the wiki
- 15:38:29 [Ian]
- [We review diagram]
- 15:40:16 [Ian]
- Keyur: In some use cases, payment app may do a step-up authentication (after user has selected card to pay with)
- 15:40:26 [Ian]
- ....user may need to authenticate to the payment app
- 15:41:36 [Ian]
- Manash: This may be a requirement based on geography, region, scheme
- 15:42:02 [Ian]
- Keyur: Payment response is like for gateway tokens, with some additional information.
- 15:42:22 [Ian]
- ..token info in the diagram is always "one time use"
- 15:42:33 [Ian]
- ...on subsequent checkouts, the payment handler will always involve the payment app
- 15:42:47 [Ian]
- ...at least this would be the case for MC tokens for the time being
- 15:42:57 [Ian]
- Manash: But this could be extended to recurring transactions.
- 15:44:41 [Ian]
- IJ: I suggest saying "Mediator" instead of "paymentHandler" in the diagram
- 15:47:28 [Ian]
- q?
- 15:50:24 [Ian]
- IJ: We could put acquirer on the left and user between browser and payment app
- 15:50:25 [Ian]
- q?
- 16:02:49 [Ian]
- q?
- 16:03:04 [Ian]
- [We spend some time updating flow diagram]
- 16:03:31 [Ian]
- Gateway params page: => https://github.com/w3c/webpayments-methods-tokenization/wiki/gateway_params
- 16:04:19 [Ian]
- Please change "CardBrand" to "supportedNetworks'
- 16:06:31 [Ian]
- Keyur: Need amount and currency for various reasons.
- 16:07:21 [Ian]
- https://w3c.github.io/payment-handler/#the-paymentrequestevent
- 16:09:08 [Ian]
- IJ: remove total since that comes from PR API data set
- 16:09:54 [Ian]
- Keyur: publicKey is optional in case of network tokens
- 16:10:33 [Ian]
- oyiptong: I spoke to Stan (at Stripe) who told me that, at least in the client, they don't need the public key.
- 16:10:41 [Ian]
- ...however, some tokenization providers MIGHT need the public key
- 16:10:49 [Ian]
- ...to give them flexibility in terms of their infrastruture.
- 16:11:31 [Ian]
- ....I think "optional" is fine here
- 16:11:48 [Ian]
- Manash: Do we need to plan for tokenization with 3DS 2.0?
- 16:13:52 [Ian]
- [Repsonse]
- 16:13:59 [Ian]
- Keyur: I think cardholder name can be made optional
- 16:15:15 [Ian]
- Keyur: Payment token or instrument token?
- 16:15:43 [Ian]
- ...ultimately the token is for payment, so I moved it to "payment token"
- 16:16:16 [Ian]
- oyiptong: To me the token represents the instrument, rather than representing "this payment" or "a payment"
- 16:16:28 [Ian]
- IJ: What about just "token"?
- 16:16:33 [Ian]
- oyiptong: that could work
- 16:17:00 [Ian]
- IJ: what is diff between token and cryptogram?
- 16:17:05 [Ian]
- Manash: token usually is the DPAN
- 16:17:40 [Ian]
- .......you can have N DPANs for a given FPAN
- 16:18:27 [Ian]
- IJ: Olivier, did you mean "cryptogram" in your proposal?
- 16:18:39 [Ian]
- Oyiptong: Yes, but it may or may not be cryptographically determined.
- 16:19:44 [Ken]
- +Q
- 16:20:16 [Ian]
- ack Ken
- 16:20:37 [Ian]
- Ken: I'd like to advocate for keeping the terms "cryptogram" and "token" separately.
- 16:20:44 [Ian]
- ...cryptogram in payments is a well-defined term
- 16:20:51 [Ian]
- ...and cuts across tokenized and non-tokenized transactions
- 16:22:15 [Ian]
- IJ: Let's define the terms in the wiki!
- 16:22:32 [Ken]
- +q
- 16:25:20 [Ken]
- +Q
- 16:25:24 [Ian]
- IJ: Summary - the gateway and network inputs are (nearly) identical
- 16:25:29 [Ian]
- ...the responses look quite different.
- 16:25:33 [Ian]
- ack Ken
- 16:25:44 [Ian]
- IJ: Do we think this is a single payment method or two?
- 16:25:52 [Ian]
- Ken: Thanks Manash and Keyur (and Olivier)
- 16:26:34 [Ian]
- ..it could be useful to carve out when we are looking at "what happens in the app" v. "what happens on traditional rails"
- 16:27:37 [oyiptong]
- q+
- 16:30:46 [Ian]
- IJ: Do merchants tend to accept one type or the other type or both?
- 16:30:56 [Ian]
- ...if they are always accepting both, then let's define one identifier.
- 16:33:26 [Ian]
- ack oyiptong
- 16:35:18 [Ian]
- Ian summary:
- 16:35:25 [Ian]
- - could use some additional definitions and terminology harmonziation
- 16:35:30 [Ian]
- - need to figure out 1 or 2 payment methods
- 16:36:12 [oyiptong]
- +1
- 16:36:30 [Ian]
- ACTION: Olivier and Keyur and Manash to do definitions and terminology harmonization and update the wiki
- 16:36:30 [trackbot]
- 'Olivier' is an ambiguous username. Please try a different identifier, such as family name or username (e.g., omaas, oyiptong).
- 16:36:54 [Ian]
- Ken: Let's get worldpay and shopify input.
- 16:36:59 [Ian]
- ...especially one 1 payment method or 2
- 16:37:18 [Ian]
- Topic: Next call
- 16:37:24 [Ian]
- proposed: 18 July
- 16:38:13 [Ian]
- RRSAgent, make minutes
- 16:38:13 [RRSAgent]
- I have made the request to generate http://www.w3.org/2017/07/11-wpwg-minutes.html Ian
- 16:38:17 [Ian]
- RRSAGENT, set logs public
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