|
Network Working Group Request for Comments: 3505 Category: Informational |
D. Eastlake Motorola March 2003 Electronic Commerce Modeling Language (ECML): |
This memo provides information for the Internet community. It does not specify an Internet standard of any kind. Distribution of this memo is unlimited.
Copyright © The Internet Society (2003). All Rights Reserved.
This document lists the design principles, scope, and requirements for the Electronic Commerce Modeling Language (ECML) version 2 specification. It includes requirements as they relate to Extensible Markup Language (XML) syntax, data model, format, and payment processing.
1. Introduction
1.1 Relationship to Other Standards
2. Design Principles and Scope
3. Requirements
3.1 Payment Processing Elements
3.2 Payment Processing Types
3.3 XML Data Model and Syntax
3.4 Implementation
3.5 Detailed Requests
4. Security Considerations
5. References
6. Acknowledgments
7. Authors' Addresses
8. Full Copyright Statement
ECML Version 2.0 will describe the syntax of a class of data objects called Payment Processing Objects. This will involve the development of a hierarchically organized set of data elements and an XML syntax for payment transaction information for both electronic wallets and Business to Business (B2B) payment types such as credit card, electronic check, line of credit, ACH (Automated Clearing House,) Mobile Phone Payments, and PDA Payments.
This document lists the design principles, scope, and requirements over three things: (1) the scope of work available to the WG, (2) the ECML version 2 specification, and (3) applications that implement the specification. It includes requirements as they relate to the payment element syntax, data model, format, implementation, and external requirements. Those things that are required are designated as "must", those things that are optional are designated by "may", those things that are optional but recommended are designated as "should".
The set of fields documented herein was started by the ECML Alliance [ECML] which developed the North American / HTML form field oriented Versions 1 and 1.1 of ECML [RFC 3106]. Control and development of future versions of the standard has been transferred to the IETF.
The ECML Version 1 fields were initially derived from and are consistent with the W3C P3P base data schema [P3P BASE]. Version 2 extends the fields provided to encompass [P3P ECOM] and selected additional fields from [ISO 8583], [JCM], or other sources.
ECML Version 2.0 is not a replacement or alternative to TLS [RFC 2246], SET [SET], EMV [EMV], XML [XML], or IOTP [RFC 2801]. These are important standards that provide functionality such as confidentiality, non-repudiated transactions, automatic payment scheme selection, and smart card support.
/layering / extensibility, and assertions as statements about
statements. [Berners-Lee, WebData, XML, XML Name] In this
context, this standard should take advantage of existing provider
(and infrastructure) primitives.
ECML v2 must cover the data types and other requirements enumerated in this section. It should provide for asserting and querying relevant element values.
The following are specific comments received on claimed deficiencies in ECML v1.1 and should all be considered for possible inclusion in ECML v2.
Many ECML fields contain sensitive private information. ECML is dependent upon:
- the security of the transmission infrastructure used to send such
private information
- the security of applications which store or release such sensitive
information.
ECML need not add any security mechanisms to this infrastructure or these applications. The ECML v2 specification must include adequate warnings and suggested courses of action to protect this information.
[ACH] Automated Clearing House <http://www.nacha.org>
[Berners-Lee] "Axioms of Web Architecture: URIs",
<http://www.w3.org/DesignIssues/Axioms.html>, "Web
Architecture from 50,000 feet",
<http://www.w3.org/DesignIssues/Architecture.html>
[eCheck] Electronic Check <http://www.echeck.org>
[ECML] Electronic Commerce Modeling Language, The ECML
Alliance, <http://www.oasis-open.org/cover/ecml.html>.
[HTML] "HTML 3.2 Reference Specification", Hyper Text Markup
Language, <http://www.w3.org/TR/REC-html32.html>, D.
Raggett, January 1997.
[ISO 8583] "Financial transaction card originated messages --
Interchange message specifications", International
Standards Organization, 1993.
[JCM] "Java Commerce Messages", Sun Microsystems, IBM, April
1998.
[EMV] The EuroCard, MasterCard, Visa chip card protocol
standard. <http://www.emvco.org>
[RFC 2026] Bradner, S., "The Internet Standards Process --
Revision 3", BCP 9, RFC 2026, October 1996.
[RFC 2246] Dierks, T. and C. Allen, "The TLS Protocol: Version
1.0", RFC 2246, January 1999.
[RFC 2801] "Internet Open Trading Protocol - IOTP Version 1.0", D.
Burdett, April 2000.
[RFC 3106] Eastlake, D. and T. Goldstein, "ECML v1.1: Field Names
for E-Commerce", RFC 3106, April 2001.
[P3P BASE] "The Platform for Privacy Preferences 1.0 (P3P1.0)
Specification", L. Cranor, M. Langheinrich, M.
Marchiori, M. Presler-Marshall, J. Reagle, December
2000, <http://www.w3.org/TR/WD-P3P/basedata.html>.
[P3P ECOM] "Using P3P for E-Commerce", J. Coco, S. Klein, D.
Schutzer, S. Yen, A. Slater, November 1999,
<http://www.w3.org/TR/P3P-for-ecommerce>.
[SET] "Secure Electronic Transaction",
<http://www.setco.org/set_specifications.html>.
[WebData] "Web Architecture: Describing and Exchanging Data",
<http://www.w3.org/1999/04/WebData>
[XML] "Extensible Markup Language (XML) 1.0 (Second
Edition)", <http://www.w3.org/TR/REC-xml>, T. Bray, J.
Paoli, C. M. Sperberg-McQueen.
[XML Name] "Namespaces in XML", Tim Bray, Dave Hollander, Andrew
Layman, 14 January 1999.
<http://www.w3.org/TR/REC-xml-names>
Jon W. Parsons and David Shepherd contributed substantially to this document.
Donald E. Eastlake 3rd
Motorola
155 Beaver Street
Milford, MA 01757 USA
Phone: +1-508-851-8280 (w)
+1-508-634-2066 (h)
EMail: Donald.Eastlake@motorola.com
Copyright © The Internet Society (2003). All Rights Reserved.
This document and translations of it may be copied and furnished to others, and derivative works that comment on or otherwise explain it or assist in its implementation may be prepared, copied, published and distributed, in whole or in part, without restriction of any kind, provided that the above copyright notice and this paragraph are included on all such copies and derivative works. However, this document itself may not be modified in any way, such as by removing the copyright notice or references to the Internet Society or other Internet organizations, except as needed for the purpose of developing Internet standards in which case the procedures for copyrights defined in the Internet Standards process must be followed, or as required to translate it into languages other than English.
The limited permissions granted above are perpetual and will not be revoked by the Internet Society or its successors or assigns.
This document and the information contained herein is provided on an "AS IS" basis and THE INTERNET SOCIETY AND THE INTERNET ENGINEERING TASK FORCE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTY THAT THE USE OF THE INFORMATION HEREIN WILL NOT INFRINGE ANY RIGHTS OR ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
Funding for the RFC Editor function is currently provided by the Internet Society.