[dispatch] draft-dold-payto-04

Florian Dold <florian.dold@gmail.com> Tue, 05 March 2019 13:23 UTC

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From: Florian Dold <florian.dold@gmail.com>
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Date: Tue, 5 Mar 2019 14:22:56 +0100
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Subject: [dispatch] draft-dold-payto-04
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Dear all,

We've updated the payto:// URI draft, based on the previous feedback on
this mailing list:

  https://datatracker.ietf.org/doc/draft-dold-payto/

After consulting with a domain expert for SEPA, we've also changed the
"sepa" payment target type into a more general "iban" target type (as
both SEPA and SWIFT use IBANs).  Now an IBAN  (International Bank
Account Number) can optionally be scoped within a BIC (Bank Identifier
Scope).

We'd be happy to hear more feedback on this decision.

We've tried to explain the question of "why does there need to be a
unified payto scheme, instead of many schemes for different payment
systems" in the introduction.  Various applications detect certain URIs
and make them interactive (mail clients, chat applications, ...).  When
there is one URI to address payment targets, adding a new payment system
does not require all these applications to be updated.  For smaller or
very regional payment systems, it might be impossible to get enough
recognition to be detected as clickable links in common applications
otherwise.

Additionally the "container format" addresses common issues like the
amount format, as well the distinction between a "message" for humans
and a machine-readable "instruction" that can't be subject to lossy
conversions.  Similarly, security and encoding considerations apply to
all payment target types.

Both authors will be present at IETF 104.  Would it be possible to
present/discuss this draft as part of the dispatch session there?

Best regards,
Florian