Alan, As it notes in Don's slide, the PURL (Payment URL) can be contained in any "web friendly" medium (i.e. email, IM, HTML page, etc.). If the pertinent PURL data is contained within a web page, there shouldn't be any reason why the payer couldn't initiate a payment to the payee. There would effectively be two types of payments, payee initiated and payer initiated. The only difference might be that the payee initiated could have a hard coded "amount owed", whereas the payer initiated would not.
Thoughts? David Benson Consultant DSB Consulting 4420 Noble Avenue Sherman Oaks, California 91403 [EMAIL PROTECTED] -----Original Message----- From: MacDougall, Alan [mailto:[EMAIL PROTECTED]] Sent: Sunday, July 21, 2002 1:38 PM To: Internet-Payments Subject: RE: 3D-Secure P2P Slides Don: I think I understand now. (I wasn't paying attention previously!) It's a nice idea, and yes, an individual bank could just make it work for their customers as payees. Quite nice indeed and perhaps a good and innovative customer service thing. However, unlike Paypal etc the transaction always has to be initiated by the payee. (Payee sends a message to the payer with the URL.) Is there a way for a payer to initiate a transaction? I can't see how without some form of communication from the payee to the payer telling the payer where to go on the web... Also, if you are a Bank that issues *and* acquires, it might be a difficult sell as you would be allowing customers to become merchants. However I think this could probably be overcome with appropriate controls and T&Cs. Lastly, it might be a difficult sell in this country since most Banks here already allow one-off direct payments to any other New Zealand account, so long as the payer knows the payee's Bank Account number. So the P2P market is already catered for in many cases. later Alan -- Alan Macdougall, E-Commerce Strategy Team The National Bank of New Zealand Ltd <http://www.nationalbank.co.nz> > -----Original Message----- > From: Don Park [SMTP:[EMAIL PROTECTED]] > Sent: Sunday, July 21, 2002 10:43 AM > To: [EMAIL PROTECTED] > Cc: Internet-Payments > Subject: [3d-secure] 3D-Secure P2P Slides > > I have created some preliminary slides describing proposed 3D-Secure P2P > architecture to make sure we are all on the same page and to help you > communicate the idea to others. > > http://www.3d-secure.org/downloads/3D-Secure_P2P_Slides_v0_1.zip > > There is only one slide worth looking at, but it shows exactly how > 3D-Secure P2P extends 3D-Secure. Lines in orange are 3D-Secure > protocol. Lines in green are proposed 3D-Secure P2P extension. > > Your suggestions are welcome. > > Best, > > Don Park > Docuverse > > PS: I have assigned the copyright to 3D-Secure.org. > This communication is confidential and may contain privileged material. If you are not the intended recipient you must not use, disclose, copy or retain it. If you have received it in error please immediately notify me by return email and delete the emails. Thank you.
