Re: [kNT] 1st Draft of CommerceTrial

[ian.hay@xxxxxxxxxxxx]

Daniel Harris <daniel@xxxxxxxxxxxxx> wrote on 03/06/2004 10:44:16:

> Hi there Romek,
>
> This is a great start! Well done for kicking it off! Here we go... ;-)
>
> We need to make shopping an easy (quick and simple) process for the
> consumer.
>
> We need to make the act of purchasing stuff seamless: "click and buy".
>
> As a consumer I want to select a payment service provider once and once
> only. I will hand them my credit card details or bank details or top-up
> my account with a cheque/cash or whatever. From then on I *never* need
> to enter these details again. I just refer shops to my payment service
> provider. But I may want to use token systems too. Or pay a
> subscription for content that's sold under an "all you can eat" system.
> Or pay from my mobile phone. Or put it on by landline phone bill. Or...
>
> So, for example, with iTunes, Apple is my payment service provider
> *and* content provider. But we need to decouple these 2 roles so that I
> can just refer content owners to my Apple account when I make a
> purchase of content not provided by Apple. Likewise I want to be able
> to buy stuff from Apple's content store using another payment service
> provider entirely.
>
> I for one don't want my credit card details being sent to each shop.
> But that's just my choice. Maybe you don't mind. So, that's 2
> variations we have to cater for in the trial. There may be other
> variations too which we need to cater for. We need to list these
> scenarios in a structured way.
>
> I think at this early stage in the game we need to be more conceptual
> about describing the system. What I mean is, as a trial, it's going to
> be much easier getting this up and running with dummy "payment"
> packets/messages than it is with real credit card transactions. So,
> let's look at "payment" flow and then start to model these in a trial.
> People may come along with new forms of payment that we haven't thought
> of so we don't want to limit ourselves at this stage.
>
> Or maybe not, or maybe we just build something that works right now.
> But my issue is that when we do that we are seen as competing with
> other systems. But we want those guys in from the start. So, that's why
> I like a complete mockup that just says "insert your payment method
> here".
>
> This is not about building an end to end system that works - loads of
> people have already done that. It's about getting all of those end to
> end systems currently in the marketplace to interoperate. So, we must
> show interoperability in the trial - not that you haven't proposed
> this.
>
> We shouldn't limit ourselves by what current technologies are capable
> of. So, time spent in trial/test/model/mock-up mode enables us to be
> more flexible in what we can cater for.
>
> Note: I'm not saying you have or have not suggested any of this stuff
> in what you've proposed. So, see this less of a criticism and more of
> me re-membering out loud what this is all about! ;-)
>
> Could we ditch powerpoint slides for work in progress and just put
> everything as wiki pages? It's all text and graphics anyway. Then it's
> easier to comment and search on things and to collaboratively design
> and Google picks up the pages too, yes? How about working with SVG
> format for graphics then we can modify easily? Never done that but
> could be fun.
>
> We need to structure the page more as in a project plan document. Like,
> problems, aims, etc... I get the feeling we've jumped into
> technicalities and I don't know what problems we're trying to solve.
> So, let's work on making it clearer. I'm not saying your ideas don't
> solve the problems I'm just saying we need to do this in a structured
> order that reads nicely to newbies and oldbies alike.
>
> We need to have something that we invite PayPal, VISA, Microsoft, Lets,
> etc into. Where do those guys sign up?
>
> Cheers Daniel
>
> On May 28, 2004, at 2:33 pm, <romek@xxxxxxxxxxxx> wrote:
> > After thinking about this at the last meeting, I designed a quick
> > scratch presentation available at
> > http://www.kendra.org.uk/wiki/wiki.pl?KendraCommerceTrial
> >
> > To work in practice, we'll need stores running different e-commerce
> > solutions and show that they can interoperate.

As far as paying by mobile there is a new service called SIMPAY being
defined that will allow anyone with a valid mobile subscription to pay for
items of 10 euros or less using their subscription and the mobile as an
authentication device, the payment will appear on the mobile phone bill
alongside calls, texts etc.

No real info yet on how much that appeals to everyone but market research
suggests it is preferential to handing out credit card details to all and sundry
on the web

cheers - ian



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