Payment Request - Revision history

Tom: /* Commentary */

2024-03-22T05:13:41Z

‎Commentary

Tom at 04:43, 22 March 2024

2024-03-22T04:43:42Z

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2024-03-22T04:35:35Z

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2024-03-22T04:16:44Z

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2024-03-22T00:51:55Z

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2024-03-22T00:27:03Z

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2024-03-21T23:39:06Z

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2024-03-21T23:22:19Z

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 The only reasonable conclusion from all of this is that supporting advanced payment systems through "pure" Web technology is not going anywhere.  To put things in a slightly simpler wording: it appears to be infeasible building something along the lines of Apple Pay using PaymentHandler.  Apple have more or less set the standard for mobile payment systems in the western hemisphere.
-* [https://stripe.com/resources/more/how-payment-transaction-processing-works Payment Transaction] Stripe (2023-08-21)
+* [https://stripe.com/resources/more/how-payment-transaction-processing-works Payment Transaction] description from Stripe (2023-08-21)
 ==Status==

@@ Line 41: / Line 41: @@
 # BLE Payment Process<ref>Novel Bits, ''A Deep Dive into BLE Packets and Events''  https://novelbits.io/deep-dive-ble-packets-events/</ref>
 ## Advertisement Phase**:
-### Nonconnectable Scannable Undirected Advertisements**: In this type of advertisement, a device (e.g., a beacon) broadcasts data to be discovered by multiple other BLE devices. It does not accept connections. The advertisement packet includes information like the device's Bluetooth address, type, and other relevant data.
+### Nonconnectable Scannable Undirected Advertisements In this type of advertisement, a device (e.g., a beacon) broadcasts data to be discovered by multiple other BLE devices. It does not accept connections. The advertisement packet includes information like the device's Bluetooth address, type, and other relevant data.
-### Connectable Scannable Undirected Advertisements**: These advertisements are used by devices that want to accept connections from other BLE devices. When a customer's smartphone detects these advertisements, it can initiate a connection with the peripheral.
+### Connectable Scannable Undirected Advertisements These advertisements are used by devices that want to accept connections from other BLE devices. When a customer's smartphone detects these advertisements, it can initiate a connection with the peripheral.
 ## Connection Request Phase
-### The **Central** sends a **Connection Request packet** to the advertising **Peripheral** to initiate a connection. This packet contains essential information for establishing the connection¹.
+### The **Central** sends a **Connection Request packet** to the advertising **Peripheral** to initiate a connection. This packet contains essential information for establishing the connection.
-## Post-Connection Operations**:
+## Post-Connection Operations
-### After successful connection, further operations occur, including version exchange messages, feature exchange messages, and attribute discovery (such as GATT services, characteristics, and descriptors)¹.
+### After successful connection, further operations occur, including version exchange messages, feature exchange messages, and attribute discovery (such as GATT services, characteristics, and descriptors).
 # Pros and Cons
 ## BLE
@@ Line 65: / Line 65: @@
 Source: Conversation with Bing, 3/15/2024
-  (2) BLE vs. NFC: Mobile Payments | Host Merchant Services. https://www.hostmerchantservices.com/articles/ble-vs-nfc-mobile-payments/.
+  (2) BLE vs. NFC: Mobile Payments | Host Merchant Services. https://www.hostmerchantservices.com/articles/ble-vs-nfc-mobile-payments/
-  (3) BLE scan request - Nordic Q&A - Nordic DevZone - Nordic DevZone. https://devzone.nordicsemi.com/f/nordic-q-a/77500/ble-scan-request.
+  (3) BLE scan request - Nordic Q&A - Nordic DevZone - Nordic DevZone. https://devzone.nordicsemi.com/f/nordic-q-a/77500/ble-scan-request
-  (4) Bluetooth Low Energy (BLE): A Complete Guide - Novel Bits. https://novelbits.io/bluetooth-low-energy-ble-complete-guide/.
+  (4) Bluetooth Low Energy (BLE): A Complete Guide - Novel Bits. https://novelbits.io/bluetooth-low-energy-ble-complete-guide/
-  (5) How Can Bluetooth Beacons Revamp Contactless Payment. https://www.mokoblue.com/bluetooth-contactless-payment/.
+  (5) How Can Bluetooth Beacons Revamp Contactless Payment. https://www.mokoblue.com/bluetooth-contactless-payment/
-  (6) Request Benefit Payments - Texas Workforce Commission. https://www.twc.texas.gov/programs/unemployment-benefits/request-benefit-payments.* [https://raw.githubusercontent.com/rsolomakhin/secure-payment-confirmation/master/sequence-diagrams/SecurePaymentConfirmation-Pilot-Checkout.png sequence diagram]
+  (6) Request Benefit Payments - Texas Workforce Commission. https://www.twc.texas.gov/programs/unemployment-benefits/request-benefit-payments [https://raw.githubusercontent.com/rsolomakhin/secure-payment-confirmation/master/sequence-diagrams/SecurePaymentConfirmation-Pilot-Checkout.png sequence diagram]
 ==References==
 * See wiki page [[Secure Payment Confirmation]]
 * See wiki page [[Payment on Apple]]

@@ Line 37: / Line 37: @@
 Details:
 # BLE Payment Flow
-## Central (Smartphone)**: The holder's smartphone acts as the **Central** device. It communicates with BLE-enabled peripherals.
+## Central (Smartphone): The holder's smartphone acts as the **Central** device. It communicates with BLE-enabled peripherals.
 ## Peripheral (Beacon or Payment Terminal)**: The beacon or payment terminal serves as the **Peripheral** device. It broadcasts advertisements or waits for connection requests.
-# BLE Payment Process
+# BLE Payment Process<ref>Novel Bits, ''A Deep Dive into BLE Packets and Events''  https://novelbits.io/deep-dive-ble-packets-events/</ref>
 ## Advertisement Phase**:
-### Nonconnectable Scannable Undirected Advertisements**: In this type of advertisement, a device (e.g., a beacon) broadcasts data to be discovered by multiple other BLE devices. It does not accept connections. The advertisement packet includes information like the device's Bluetooth address, type, and other relevant data¹.
+### Nonconnectable Scannable Undirected Advertisements**: In this type of advertisement, a device (e.g., a beacon) broadcasts data to be discovered by multiple other BLE devices. It does not accept connections. The advertisement packet includes information like the device's Bluetooth address, type, and other relevant data.
-### Connectable Scannable Undirected Advertisements**: These advertisements are used by devices that want to accept connections from other BLE devices. When a customer's smartphone detects these advertisements, it can initiate a connection with the peripheral¹.
+### Connectable Scannable Undirected Advertisements**: These advertisements are used by devices that want to accept connections from other BLE devices. When a customer's smartphone detects these advertisements, it can initiate a connection with the peripheral.
-## Connection Request Phase**:
+## Connection Request Phase
 ### The **Central** sends a **Connection Request packet** to the advertising **Peripheral** to initiate a connection. This packet contains essential information for establishing the connection¹.
 ## Post-Connection Operations**:
 ### After successful connection, further operations occur, including version exchange messages, feature exchange messages, and attribute discovery (such as GATT services, characteristics, and descriptors)¹.
 # Pros and Cons
-## BLE**:
+## BLE
-### Pros**:
+### Pros
 #### Near-Frictionless Experience**: Consumers can complete the payment process without manual actions (except for verbal confirmation or identity verification).
-#### **Security**: BLE engages the Secure Element of a smartphone or NFC-enabled payment device, benefiting from mobile wallet application security features.
+#### Security BLE engages the Secure Element of a smartphone or NFC-enabled payment device, benefiting from mobile wallet application security features.
 ### Cons**:
 #### Infrastructure Overhaul**: Retailers need to update their point-of-sale systems to connect to the beacon network and track customer accounts online.
@@ Line 65: / Line 65: @@
 Source: Conversation with Bing, 3/15/2024
   (2) BLE vs. NFC: Mobile Payments | Host Merchant Services. https://www.hostmerchantservices.com/articles/ble-vs-nfc-mobile-payments/.
   (3) BLE scan request - Nordic Q&A - Nordic DevZone - Nordic DevZone. https://devzone.nordicsemi.com/f/nordic-q-a/77500/ble-scan-request.

@@ Line 37: / Line 37: @@
 Details:
 # BLE Payment Flow
-## Central (Smartphone)**: The customer's smartphone acts as the **Central** device. It communicates with BLE-enabled peripherals.
+## Central (Smartphone)**: The holder's smartphone acts as the **Central** device. It communicates with BLE-enabled peripherals.
 ## Peripheral (Beacon or Payment Terminal)**: The beacon or payment terminal serves as the **Peripheral** device. It broadcasts advertisements or waits for connection requests.
 # BLE Payment Process

@@ Line 43: / Line 43: @@
 ### Nonconnectable Scannable Undirected Advertisements**: In this type of advertisement, a device (e.g., a beacon) broadcasts data to be discovered by multiple other BLE devices. It does not accept connections. The advertisement packet includes information like the device's Bluetooth address, type, and other relevant data¹.
 ### Connectable Scannable Undirected Advertisements**: These advertisements are used by devices that want to accept connections from other BLE devices. When a customer's smartphone detects these advertisements, it can initiate a connection with the peripheral¹.
-#### Connection Request Phase**:
+## Connection Request Phase**:
-##### The **Central** sends a **Connection Request packet** to the advertising **Peripheral** to initiate a connection. This packet contains essential information for establishing the connection¹.
+### The **Central** sends a **Connection Request packet** to the advertising **Peripheral** to initiate a connection. This packet contains essential information for establishing the connection¹.
-#### Post-Connection Operations**:
+## Post-Connection Operations**:
-##### After successful connection, further operations occur, including version exchange messages, feature exchange messages, and attribute discovery (such as GATT services, characteristics, and descriptors)¹.
+### After successful connection, further operations occur, including version exchange messages, feature exchange messages, and attribute discovery (such as GATT services, characteristics, and descriptors)¹.
 # Pros and Cons
 ## BLE**: