in-app payments 或者 micropayments在以下情况下比web支付更好用。
heterogeneity异质(指different payment solution)
小额支付
支付选项众多(快捷支付,支付宝,网上银行等等)
Web支付会有fraud of credit card, fragmentation of payment solution(顾客擅长的支付方式在某些购物网站或者用某些设备用不起来)的问题。
在互操作方面进行以下改进:
1) Users to choose their preferred payment solutions across all their devices; 由于操作问题/网络问题/界面问题,导致的69%的交易搁置问题。
2) Merchants to transparently support a growing number of payment solutions;
3) Developers to monetize applications more easily;
4) New payment solution providers to enter the market more easily with innovative solutions and payment schemes;
5) Society to decrease online fraud;
6) New payment models such as micropayments & paywalls (支付墙)to take-off.
7) online and in-store payments
有关工作组包括:
Credentials Community Group,关于用户个人信息的存储交换
Web Cryptography Working Group, 定义api
Web Authentication Working Group, 减少secret/password作为鉴权的方式,用以下方式
multi-factor authentication support as well as hardware-based key storage while respecting the Same Origin Policy.
Hardware Security (HaSec) Working Group:开发 hardware-based web security standard APIs to provide Web Applications with access to secure services enabled by hardware modules.
Web NFC Community Group, 建立web友好具有web界面的NFC通讯。
payment networks (ledgers)