The 'payto' URI scheme for payments
draft-dold-payto-08

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Independent Stream                                               F. Dold
Internet-Draft                                          Taler Systems SA
Intended status: Informational                               C. Grothoff
Expires: March 30, 2020                                              BFH
                                                      September 27, 2019

                  The 'payto' URI scheme for payments
                          draft-dold-payto-08

Abstract

   This document defines the 'payto' Uniform Resource Identifier (URI)
   scheme for designating targets for payments.

Status of This Memo

   This Internet-Draft is submitted in full conformance with the
   provisions of BCP 78 and BCP 79.

   Internet-Drafts are working documents of the Internet Engineering
   Task Force (IETF).  Note that other groups may also distribute
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   Drafts is at https://datatracker.ietf.org/drafts/current/.

   Internet-Drafts are draft documents valid for a maximum of six months
   and may be updated, replaced, or obsoleted by other documents at any
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   material or to cite them other than as "work in progress."

   This Internet-Draft will expire on March 30, 2020.

Copyright Notice

   Copyright (c) 2019 IETF Trust and the persons identified as the
   document authors.  All rights reserved.

   This document is subject to BCP 78 and the IETF Trust's Legal
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   described in the Simplified BSD License.

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Table of Contents

   1.  Introduction  . . . . . . . . . . . . . . . . . . . . . . . .   2
   2.  Syntax of a 'payto' URI . . . . . . . . . . . . . . . . . . .   2
   3.  Semantics . . . . . . . . . . . . . . . . . . . . . . . . . .   3
   4.  Examples  . . . . . . . . . . . . . . . . . . . . . . . . . .   3
   5.  Generic Options . . . . . . . . . . . . . . . . . . . . . . .   3
   6.  Internationalization and Character Encoding . . . . . . . . .   4
   7.  Security Considerations . . . . . . . . . . . . . . . . . . .   4
   8.  IANA Considerations . . . . . . . . . . . . . . . . . . . . .   5
     8.1.  URI Scheme Registration . . . . . . . . . . . . . . . . .   5
     8.2.  Payment Target Type Sub-Registry  . . . . . . . . . . . .   5
       8.2.1.  ACH Bank Account  . . . . . . . . . . . . . . . . . .   6
       8.2.2.  Business Identifier Code  . . . . . . . . . . . . . .   7
       8.2.3.  International Bank Account Number . . . . . . . . . .   7
       8.2.4.  Unified Payments Interface  . . . . . . . . . . . . .   7
       8.2.5.  Bitcoin Address . . . . . . . . . . . . . . . . . . .   8
       8.2.6.  Interledger Protocol Address  . . . . . . . . . . . .   8
   9.  References  . . . . . . . . . . . . . . . . . . . . . . . . .   8
     9.1.  Normative References  . . . . . . . . . . . . . . . . . .   8
     9.2.  Informational References  . . . . . . . . . . . . . . . .   9
   Authors' Addresses  . . . . . . . . . . . . . . . . . . . . . . .   9

1.  Introduction

   This document defines the 'payto' Uniform Resource Identifier (URI)
   [RFC3986] scheme for designating transfer form data for payments.  In
   particular, it always identifies the target of a payment.  A 'payto'
   URI consists of a payment target type, a target identifier and
   optional parameters such as an amount or a payment reference.

   The interpretation of the target identifier is defined by the payment
   target type, and typically represents either a bank account or an
   (unsettled) transaction.

   A unified URI scheme for all payment target types allows applications
   to offer user interactions with URIs that represent payment targets,
   simplifying the introduction of new payment systems and applications.

2.  Syntax of a 'payto' URI

   This document uses the Augmented Backus-Naur Form (ABNF) of
   [RFC5234].

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     payto-URI = "payto" "://" authority path-abempty [ "?" opts ]
     opts = opt *( "&" opt )
     opt = (generic-opt / authority-specific-opt) "=" *( pchar )
     generic-opt = "amount" / "receiver-name" / "sender-name" /
                   "message" / "instruction"
     authority = ALPHA *( ALPHA / DIGIT / "-" / "." )
     path-abempty = <path-abempty, see [RFC3986], Section 3.3>