The @w3payments Working Group is working on a pretty full agenda, with a particular focus on the #Payment Request API, Payment Handlers and Security. github.com/w3c/webpayments/w…
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A few reminders: the #JavaScript #Payment Request API is about streamlined checkout 🛒
Its most well-known and deployed API is the Payment Request API, which streamlines the Web checkout process: browsers take charge of collecting and managing users' payment information, bringing less typing and more consistency in that experience w3.org/TR/payment-request/
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Payment Handler is about enabling Web-based #payment instruments based on #ServiceWorker
This allows a merchant using the Payment Request API to offer Web apps among the accepted payment instruments. (along eg. credit cards & native apps).
If the user picks that instrument, a Service Worker from the said Web app gets spawned and is used to process the payment.
Apr 20, 2018 · 12:25 PM UTC
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and security-related topics include tokenization to avoid sharing credit card numbers, and authentication to reduce fraud risks (and liability costs!) nitter.vloup.ch/w3cdevs/status/9…
Likewise, this can facilitate the adoption of stronger authentication mechanisms, such as 3D secure or the 2-factor authentication mechanisms being developed by another W3C Working Group, Web Authentication w3.org/webauthn
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On the authentication front, one topic the group is exploring is how to incorporate all the recent announcements in this space
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#WebAuthn is set to completely change how we authenticate on the Web - but will the UX match the needs identified by merchants to reduce cart abandonment? lists.w3.org/Archives/Public…
#WebAuthn enables strong authentication using securely-held public keys with user content, rather than #passwords - given how fragile passwords are, this is a pretty big deal.
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3DS is the credit card industry (#EMVCo) approach to authentication - its version 2 focused on a streamlined UX, using fingerprinting techniques to restrict 2-factor auth to ambiguous cases. Can the Web provide a more robust integration? w3.org/2018/Talks/web-paymen…
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#EMVCo has recently announced a new systemic approach to handling credit-card payments for #ecommerce, #SecureRemoteCommerce (SRC) newsroom.mastercard.com/2018… - how will that impact the @w3payments work?
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No wonder they'll need constant infusion of sugar to figure it all out nitter.vloup.ch/marcosc/status/9…