The 'payto' URI scheme for payments
draft-dold-payto-05

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Independent Stream                                               F. Dold
Internet-Draft                                          Taler Systems SA
Intended status: Informational                               C. Grothoff
Expires: September 25, 2019                                          BFH
                                                          March 24, 2019

                  The 'payto' URI scheme for payments
                          draft-dold-payto-05

Abstract

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

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   This Internet-Draft will expire on September 25, 2019.

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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.  Business Identifier Code  . . . . . . . . . . . . . .   6
       8.2.3.  International Bank Account Number . . . . . . . . . .   6
       8.2.4.  Unified Payments Interface  . . . . . . . . . . . . .   7
       8.2.5.  Bitcoin Address . . . . . . . . . . . . . . . . . . .   7
       8.2.6.  Interledger Protocol Address  . . . . . . . . . . . .   7
   9.  References  . . . . . . . . . . . . . . . . . . . . . . . . .   8
     9.1.  Normative References  . . . . . . . . . . . . . . . . . .   8
     9.2.  Informational References  . . . . . . . . . . . . . . . .   8
   Authors' Addresses  . . . . . . . . . . . . . . . . . . . . . . .   9

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>
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