Hi Anders, I would be interested to know what you mean by 'web services paradigm'. Do you mean SOAP/WSDL/UDDI?
I don't agree with you that web services (however you define it) provides more 'extensibility, robustness, extreme low-cost, compliance with the B2B world, etc. etc., market acceptance' than the current 3-D Secure protocol. I have implemented the 3-D Secure protocol and used web services and I would say from my experience that web services do not give more of the attributes that you have described. I think web services is just a bit of a buzz word at the moment. Don't get me wrong, I'm not against web services, I just don't think that they deliver all that you are saying they can. http://www.xml.com/pub/a/2002/04/24/google.html This is a great article arguing that an XML/HTTP/URI protocol can be better than a fully-fledged 'web service'. The 3-D Secure Protocol fits fairly closely with the XML/HTTP/URI model - I would say it is just XML/HTTP The only feature you have mentioned which may be true is that web services using WSDL could be faster for web developers to integrate and hence cheaper. Web services only become easier to integrate once developer tools and languages support web services though. Joel Hockey QSIPayments, Inc www.qsipayments.com > -----Original Message----- > From: Anders Rundgren [mailto:[EMAIL PROTECTED]] > Sent: Friday, June 28, 2002 1:22 AM > To: internet-payments > Subject: MasterCard's scrapping of SPA in favor of 3D Secure > > > Dear Payment-professionals, > > According to several sources, MasterCard have embraced VISA's > 3D Secure as the future path. Personally, I think 3D Secure will be > replaced by Web Services-based systems as it is not exploiting the > "Web Service paradigm". That, assuming that roll-out stays at > current speed. > > What does Web Services offer for payment systems you may > rightfully ask? > > Well, extensibility, robustness, extremely low-cost technology, > compliance with the B2B-world etc. etc. In a nut-shell: > Market acceptance. > Do banks need low-cost technology? No, but the merchants do. > > Anders Rundgren > CEO X-OBI > +46 70 - 627 74 37 >
