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Versions: 00 01 02 03 04 05 rfc3505                                     
INTERNET DRAFT                                 Jon W. Parsons (SeraNova)
                                                    David Shepherd (IBM)
                                       Donald E. Eastlake 3rd (Motorola)
Expires December 2001                                          June 2001




             Electronic Commerce Modeling Language (ECML):
                         Version 2 Requirements
                  <draft-ietf-trade-ecml2-req-03.txt>


Status of this Memo

   Distribution of this document is unlimited. Comments should be sent
   to the authors or the IETF TRADE working group <ietf-
   trade@lists.elistx.com>.

   This document is an Internet-Draft and is in full conformance with
   all provisions of Section 10 of RFC 2026.  Internet-Drafts are
   working documents of the Internet Engineering Task Force (IETF), its
   areas, and its working groups.  Note that other groups may also
   distribute working documents as Internet-Drafts.

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

   The list of current Internet-Drafts can be accessed at
   http://www.ietf.org/ietf/1id-abstracts.txt

   The list of Internet-Draft Shadow Directories can be accessed at
   http://www.ietf.org/shadow.html.


Copyright Notice

   Copyright (C) 2001, The Internet Society.  All Rights Reserved.



Abstract

   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 XML syntax,
   data model, format, and payment processing.






J. Parsons, D. Shepherd, D. Eastlake                            [Page 1]


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Table of Contents

      Status of this Memo........................................1
      Copyright Notice...........................................1
      Abstract...................................................1

      Table of Contents..........................................2

      1. Introduction............................................3
      1.1 Relationship to Other Standards........................3
      2. Design Principles and Scope.............................3
      3. Requirements............................................4
      3.1 Payment Processing Elements............................4
      3.2 Payment Processing Types...............................5
      3.3 XML Data Model and Syntax..............................5
      3.4 Implementation.........................................5
      3.5 Detailed Requests......................................5
      4. Security Considerations.................................6

      References.................................................7

      Authors Addresses..........................................9

      Full Copyright Statement..................................10
      File name and Expiration..................................10



























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1. Introduction

   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".



1.1 Relationship to Other Standards

   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 2706, 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-repudiatable transactions, automatable payment
   scheme selection, and smart card support.



2. Design Principles and Scope

   1. The specification must describe the fields necessary to process a
      payment between a consumer and merchant or between two businesses,
      describing the XML syntax and content in particular.

   2. Keep the addition of fields beyond those in ECML v1.1 [RFC 3106]
      to a minimum.



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   3. Maintain all existing functionality from ECML v1.1.  In essence,
      ECML v2 should be a superset of ECML v1.1.

   4. Increase the flexibility of the standard to include other forms of
      payments.  These include ACH, Mobile Phone, PDA, Purchasing Card
      and electronic check. See [P3P ECOM, JCM], etc.

   5. Allow for use of a common and uniform DTD with back-end payment
      systems such as Enterprise Resource Provision (ERP), Card Line
      Item Detail (LID) Level II & Level III, etc.

   6. Allow for use of the standard with Business to Business (B2B)
      payment vehicles, such as B2B Wallets, Marketplaces, etc.

   7. Create a usage/implementation guide section of the specification
      to cover additional use cases for functionality included.

   8. ECML version 2 may include the concept of an offer.

   9. ECML version 2 should be developed as part of the broader Web
      design philosophy of decentralization, URIs, Web data, modularity
      /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.



3. Requirements

   ECML v2 must cover the data types and other requirements enumerated
   in this section. It should provide for asserting and querying
   relavent element values.



3.1 Payment Processing Elements

      1. Cost
      2. Receipt
      3. Currency
      4. Card
      5. Payment
      6. Bank/Telco








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3.2 Payment Processing Types

      1. All current Processing types for ECML 1.1 [RFC 3106].
      2. Automated Clearing hosue [ACH]
      3. Electronic check [eCheck]
      4. Mobile phone payments
      5. PDA payments



3.3 XML Data Model and Syntax

      1. A well-formed DTD and possibly schema need to be developed to
         include new fields in this standard.

      2. A W3C Note may be drafted to document changes from [W3C ECOM].



3.4 Implementation

      1. The ECML version 2 specification should meet the requirements
         of the following applications:
            a. Internet Open Trading Protocol v1.0 [IOTP]

            b. Check against representative ACH, electronic check, and Mobile
            Phone payment setup.

      2. Test all XML DTDs, schemas and XML examples inculded the
         specification to insure that they are well-formed XML.

      3. Compare completeness against (in accordance with standard's
         goals:)
            1. ECML v1.1 [RFC 3106]
            2. Using P3P for E-Commerce [P3P NOTE]
            3. Financial transaction card originated messages [ISO 8583]
            4. Java Commerce Messages [JCM]
            5. cXML
            6. ebXML
            7. BizTalk



3.5 Detailed Requests

   The following are specific comments received on claimed deficiencies
   in ECML v1.1 and should all be considered for possible inclusion in
   ECML v2.

      1. Increase Last Name field minimum required support to at least


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         22 characters.

      2. Improved Internationalization support.

      3. Longer minimum supported telephone number and email fields.

      4. Provide a "translation field" which would specify a mapping
         between existing fields and ECML specified fields.  The
         addition of such a field in ECML v2 (which would normally be
         hidden when presented in HTML) would permit ECML support with
         no change to existing fields or code.  ECML code could fill in
         existing fields based on the ECML field they map to.



4. Security Considerations

   Some ECML fields contain sensitive private information.  ECML is
   dependent upon the security of the infrastructure of transmission
   providers that use the standard format.  ECML does not add any
   security to this infrastructure.  See the ECML v2 specification for
   more detailed privacy and security considerations.






























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References

   [ACH] - Automated Clearning 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.ecml.org>.

   [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/specifications.cfm>

   [RFC 2026] - "The Internet Standards Process -- Revision 3", S.
   Bradner, October 1996.

   [RFC 2246] - "The TLS Protocol: Version 1.0", T. Dierks, C. Allen.
   January 1999.

   [RFC 2706] - "ECML v1: Field Names for E-Commerce", D. Eastlake, T.
   Goldstein, October 1999.

   [RFC 2801] - "Internet Open Trading Protocol - IOTP Version 1.0", D.
   Burdett, April 2000.

   [RFC 3106] - "ECML v1.1: Field Names for E-Commerce", D. Eastlake, T.
   Goldstein, 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. Klien, D.
   Schutzer, S. Yen, A. Slater, November 1999,
   <http://www.w3.org/TR/P3P-for-ecommerce>.



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   [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/1998/REC-xml>, T. Bray, J. Paoli, C.  M.
   Sperberg-McQueen.

   [XML Name] - "Namespaces in XML", Tim Bray, Dave Hollander, Andrew
   Layman, 14 January 1999.








































J. Parsons, D. Shepherd, D. Eastlake                            [Page 8]


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Authors Addresses

      Jon W. Parsons
      SeraNova
      10210 N. 25th Avenue
      Phoenix, AZ 85012

      Phone:  +1-602-674-1853
      EMail:  jon.parsons@seranova.com


      David Shepherd
      IBM
      Secure Payments Systems
      P. O. Box 12195
      3039 Cornwallis Road
      Research Triangle Park, NC 27709-2195 USA

      Phone:  +1-919-254-5194
      Email:  dshepher@us.ibm.com


      Donald E. Eastlake 3rd
      Motorola
      155 Beaver Street
      Milford, MA 01757 USA

      Phone:  +1-508-261-5434 (w)
              +1-508-634-2066 (h)
      Email:  Donald.Eastlake@motorola.com






















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Full Copyright Statement

   Copyright (c) 2001 The Internet Society, 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.



File name and Expiration

   This file is draft-ietf-trade-ecml2-req-03.txt.

   It expires December 2001.

















J. Parsons, D. Shepherd, D. Eastlake                           [Page 10]