The 'payto' URI scheme for payments
draft-dold-payto-04

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Internet Engineering Task Force                                  F. Dold
Internet-Draft                                          Taler Systems SA
Intended status: Informational                               C. Grothoff
Expires: September 4, 2019                                           BFH
                                                          March 03, 2019

                  The 'payto' URI scheme for payments
                          draft-dold-payto-04

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
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   material or to cite them other than as "work in progress."

   This Internet-Draft will expire on September 4, 2019.

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

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Table of Contents

   1.  Introduction  . . . . . . . . . . . . . . . . . . . . . . . .   2
   2.  Syntax of a 'payto' URL . . . . . . . . . . . . . . . . . . .   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 Registry  . . . . . . . . . . . . . .   5
       8.2.1.  ACH Bank Account  . . . . . . . . . . . . . . . . . .   6
       8.2.2.  International Bank Account Number . . . . . . . . . .   6
       8.2.3.  Unified Payments Interface  . . . . . . . . . . . . .   6
       8.2.4.  Bitcoin Address . . . . . . . . . . . . . . . . . . .   7
       8.2.5.  Interledger Protocol Address  . . . . . . . . . . . .   7
   9.  References  . . . . . . . . . . . . . . . . . . . . . . . . .   7
     9.1.  Normative References  . . . . . . . . . . . . . . . . . .   7
     9.2.  Informational References  . . . . . . . . . . . . . . . .   8
   Authors' Addresses  . . . . . . . . . . . . . . . . . . . . . . .   8

1.  Introduction

   This document defines the 'payto' Uniform Resource Identifier (URI)
   [RFC3986] scheme for designating targets for payments.  In its
   simplest form, a 'payto' URL identifies a payment target type and
   optionally a target identifier.  Additional parameters, such as an
   amount or a payment reference, can be provided.

   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,
   without delay and churn when new payment systems are introduced.

2.  Syntax of a 'payto' URL

   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" / "creditor-name" / "debitor-name" /
                   "message" / "instruction"
     authority = ALPHA *( ALPHA / DIGIT / "-" / "." )
     path-abempty = <path-abempty, see [RFC3986], Section 3.3>
     pchar = <pchar, see [RFC3986], Appendix A.>