One document matched: draft-ietf-trade-ecml2-spec-08.txt
Differences from draft-ietf-trade-ecml2-spec-07.txt
INTERNET DRAFT Donald E. Eastlake 3rd
Motorola Laboratories
Expires July 2003 January 2003
Electronic Commerce Modeling Language (ECML):
Version 2 Specification
<draft-ietf-trade-ecml2-spec-08.txt>
Status of this Memo
This draft is intended to become a Proposed Standard. 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) 2003, The Internet Society. All Rights Reserved.
Abstract
Electronic commerce frequently requires a substantial exchange of
information in order to complete a purchase or other transaction,
especially the first time the parties communicate. A standard set of
hierarchically organized payment related information fields in an XML
syntax are defined as the second version of an Electronic Commerce
Modeling Language (ECML) so that this task can be more easily
automated, for example by wallet software.
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Acknowledgements
Jon Parsons, David Shepherd, Lauri Piikivi, and Ray Bellis
contributed to the material herein.
Table of Contents
Status of this Memo........................................1
Abstract...................................................1
Acknowledgements...........................................2
Table of Contents..........................................2
1. Introduction............................................3
1.2 Relationship to Other Standards........................3
2. Field Definitions and DTD...............................4
2.1 Field List and Descriptions............................4
2.1.1 Field List...........................................4
2.1.2 Field Foot Notes.....................................8
2.2 ECML v2 XML DTD.......................................12
3. Usage Notes for ECML v2................................18
3.1 Presentation of the Fields............................18
3.2 Methods and Flow of Setting the Fields................18
4. Security and Privacy Considerations....................19
Informative References....................................21
Normative References......................................21
Appendix: Changes from v1.1 to v2.........................22
Full Copyright Statement..................................23
Author's Address..........................................24
File name and Expiration..................................24
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1. Introduction
Today, numerous parties are successfully conducting business on the
Internet using ad hoc fields and forms. The data formats and
structure can vary considerably from one party to another. Where
forms are filled out manually, many users find the diversity
confusing and the process of manually filling in these forms to be
tedious and error prone.
Software tools including electronic wallets can help this situation.
Such tools can assist in conducting online transactions by storing
billing, shipping, payment, preference, and similar information and
using this information to automatically complete the data sets
required by interactions. For example, software that fills out forms
has been successfully built into browsers, as proxy servers, as
helper applications to browsers, as stand-alone applications, as
browser plug-ins, and as server-based applications. But the
proliferation of more automated transactions software has been
hampered by the lack of standards.
ECML (Electronic Commerce Modeling Language) provides a set of
hierarchical payment oriented data structures that will enable
automated software, including electronic wallets, from multiple
vendors to supply and query for needed data in a more uniform manner.
Version 2.0 extends Version 1.0 [RFC 2706] and 1.1 [RFC 3106] as
described in the Appendix to this document. These enhancements
include support for additional payment mechanisms and transaction
information and use of XML as the exemplar syntax.
Likely uses for ECML v2 are consumer payment information input and
business-to-business transactions. The first is, for some time into
the future, likely to occur through HTML forms. The second is more
likely to use XML documents.
This is an open standard. ECML is designed to be simple.
1.2 Relationship to Other Standards
The ECML fields were initially derived from the W3C P3P base data
schema [P3P BASE] by the ECML Alliance. Technical development and
change control of ECML has now been transferred to the IETF. In
version 2, ECML is extended by the fields in a W3C P3P Note related
to eCommerce [P3P ECOM], by [ISO 8583], and by other sources. Its
primary form is an XML syntax.
ECML Version 2.0 is not a replacement or alternative to TLS/SSL [RFC
2246], SET [SET], EMV [EMV], XML [XML], or IOTP [RFC 2801]. These are
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important standards that provide functionality such as
confidentiality, non-repudiatable transactions, automatable payment
scheme selection, and smart card support.
2. Field Definitions and DTD
The ECML Standard is the definition and naming of a hierarchically
structured set of fields and the provision of an XML syntax for their
transmission. These fields can be encoded in other syntaxes and
transmitted via a variety of protocols.
Section 2.1 below lists and describes the fields and Section 2.2
provides an XML DTD for use with the fields.
To conform to this standard, field names MUST be structured and named
as closely to the structure and naming listed below as practical
given the syntax and transaction protocol in use. (Note: this does
not impose any restriction on human visible labeling of fields, just
on their names as used in communication.)
2.1 Field List and Descriptions
The fields are listed below along with the minimum data entry size to
allow. Implementations are permitted to allow larger data sizes,
where that makes sense, and for some application will need to allow
for larger data sizes. Note that these fields are hierarchically
organized as indicated in this table by the embedded underscore ("_")
characters. Appropriate data transmission mechanisms may use this to
request and send aggregates, such as Ecom_Payment_Card_ExpDate to
encompass all the date components or Ecom_ShipTo to encompass all the
ship to address components that a consumer is willing to provide.
The labeling, marshalling, unmarshalling of the components of such
aggregates depends on the data transfer protocol used. The
RECOMMENDED syntax is XML as described in Section 2.2.
2.1.1 Field List
IMPORTANT NOTE: "MIN" in the table below is the MINIMUM DATA SIZE TO
ALLOW FOR ON DATA ENTRY. It is NOT the minimum size for valid
contents of the field and merchant software should, in most
cases, be prepared to receive a longer or shorter value.
Merchant dealing with areas where, for example, the
state/province name or phone number is longer than the "Min"
given below must obviously permit longer data entry. In some
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cases, however, there is a maximum size that makes sense and
where this is the case, it is usually documented in a Note for
the field.
The following fields are used to communicate from the customer
to the merchant:
FIELD NAME Min Notes
ship to title Ecom_ShipTo_Postal_Name_Prefix 4 ( 1)
ship to first name Ecom_ShipTo_Postal_Name_First 15
ship to middle name Ecom_ShipTo_Postal_Name_Middle 15 ( 2)
ship to last name Ecom_ShipTo_Postal_Name_Last 15
ship to name suffix Ecom_ShipTo_Postal_Name_Suffix 4 ( 3)
ship to company name Ecom_ShipTo_Postal_Company 20
ship to street line1 Ecom_ShipTo_Postal_Street_Line1 20 ( 4)
ship to street line2 Ecom_ShipTo_Postal_Street_Line2 20 ( 4)
ship to street line3 Ecom_ShipTo_Postal_Street_Line3 20 ( 4)
ship to city Ecom_ShipTo_Postal_City 22
ship to state/province Ecom_ShipTo_Postal_StateProv 2 ( 5)
ship to zip/postal code Ecom_ShipTo_Postal_PostalCode 14 ( 6)
ship to country Ecom_ShipTo_Postal_CountryCode 2 ( 7)
ship to phone Ecom_ShipTo_Telecom_Phone_Number 10 ( 8)
ship to email Ecom_ShipTo_Online_Email 40 ( 9)
bill to title Ecom_BillTo_Postal_Name_Prefix 4 ( 1)
bill to first name Ecom_BillTo_Postal_Name_First 15
bill to middle name Ecom_BillTo_Postal_Name_Middle 15 ( 2)
bill to last name Ecom_BillTo_Postal_Name_Last 15
bill to name suffix Ecom_BillTo_Postal_Name_Suffix 4 ( 3)
bill to company name Ecom_BillTo_Postal_Company 20
bill to street line1 Ecom_BillTo_Postal_Street_Line1 20 ( 4)
bill to street line2 Ecom_BillTo_Postal_Street_Line2 20 ( 4)
bill to street line3 Ecom_BillTo_Postal_Street_Line3 20 ( 4)
bill to city Ecom_BillTo_Postal_City 22
bill to state/province Ecom_BillTo_Postal_StateProv 2 ( 5)
bill to zip/postal code Ecom_BillTo_Postal_PostalCode 14 ( 6)
bill to country Ecom_BillTo_Postal_CountryCode 2 ( 7)
bill to phone Ecom_BillTo_Telecom_Phone_Number 10 ( 8)
bill to email Ecom_BillTo_Online_Email 40 ( 9)
receipt to (32)
receipt to title Ecom_ReceiptTo_Postal_Name_Prefix 4 ( 1)
receipt to first name Ecom_ReceiptTo_Postal_Name_First 15
receipt to middle name Ecom_ReceiptTo_Postal_Name_Middle 15 ( 2)
receipt to last name Ecom_ReceiptTo_Postal_Name_Last 15
receipt to name suffix Ecom_ReceiptTo_Postal_Name_Suffix 4 ( 3)
receipt to company name Ecom_ReceiptTo_Postal_Company 20
receipt to street line1 Ecom_ReceiptTo_Postal_Street_Line1 20 ( 4)
receipt to street line2 Ecom_ReceiptTo_Postal_Street_Line2 20 ( 4)
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receipt to street line3 Ecom_ReceiptTo_Postal_Street_Line3 20 ( 4)
receipt to city Ecom_ReceiptTo_Postal_City 22
receipt to state/province Ecom_ReceiptTo_Postal_StateProv 2 ( 5)
receipt to postal code Ecom_ReceiptTo_Postal_PostalCode 14 ( 6)
receipt to country Ecom_ReceiptTo_Postal_CountryCode 2 ( 7)
receipt to phone Ecom_ReceiptTo_Telecom_Phone_Number 10 ( 8)
receipt to email Ecom_ReceiptTo_Online_Email 40 ( 9)
name on card Ecom_Payment_Card_Name 30 (10)
card type Ecom_Payment_Card_Type 4 (11)
card number Ecom_Payment_Card_Number 19 (12)
card verification value Ecom_Payment_Card_Verification 4 (13)
card issuer number Ecom_Payment_Card_IssueNumber 2 (53)
card expire date day Ecom_Payment_Card_ExpDate_Day 2 (14)
card expire date month Ecom_Payment_Card_ExpDate_Month 2 (15)
card expire date year Ecom_Payment_Card_ExpDate_Year 4 (16)
card valid date day Ecom_Payment_Card_ValidFrom_Day 2 (14)
card valid date month Ecom_Payment_Card_ValidFrom_Month 2 (15)
card valid date year Ecom_Payment_Card_ValidFrom_Year 4 (16)
card protocols Ecom_Payment_Card_Protocol 20 (17)
loyalty card name Ecom_Loyalty_Card_Name 30 (10)
loyalty card type Ecom_Loyalty_Card_Type 20 (52)
loyalty card number Ecom_Loyalty_Card_Number 40 (34)
loyalty card verification Ecom_Loyalty_Card_Verification 4 (13)
loyalty card expire day Ecom_Loyalty_Card_ExpDate_Day 2 (14)
loyalty card expire month Ecom_Loyalty_Card_ExpDate_Month 2 (15)
loyalty card expire year Ecom_Loyalty_Card_ExpDate_Year 2 (16)
loyalty card valid day Ecom_Loyalty_Card_ValidFrom_Day 2 (14)
loyalty card valid month Ecom_Loyalty_Card_ValidFrom_Month 2 (15)
loyalty card valid year Ecom_Loyalty_Card_ValidFrom_Year 4 (16)
consumer order ID Ecom_ConsumerOrderID 20 (18)
user ID Ecom_User_ID 40 (19)
user password Ecom_User_Password 20 (19)
user certificate Ecom_User_Certificate_URL 128 (35)
user data country Ecom_UserData_Country 2 ( 7)
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user data language Ecom_UserData_Language 30 (33)
user data gender Ecom_UserData_Gender 1 (36)
user data birth day Ecom_UserData_BirthDate_Day 2 (14)
user data birth month Ecom_UserData_BirthDate_Month 2 (15)
user data birth year Ecom_UserData_BirthDate_Year 4 (16)
user data preferences Ecom_UserData_Preferences 60 (34)
schema version Ecom_SchemaVersion 30 (20)
wallet id Ecom_WalletID 40 (21)
wallet URL Ecom_Wallet_Location 128 (35)
customer device ID Ecom_Device_ID 20 (37)
customer device type Ecom_Device_Type 20 (38)
end transaction flag Ecom_TransactionComplete - (22)
The following fields are used to communicate from the merchant to the
consumer:
FIELD NAME Min Notes
merchant home domain Ecom_Merchant 128 (23)
processor home domain Ecom_Processor 128 (24)
transaction identifier Ecom_Transaction_ID 128 (25)
transaction URL inquiry Ecom_Transaction_Inquiry 500 (26)
transaction amount Ecom_Transaction_Amount 128 (27)
transaction currency Ecom_Transaction_CurrencyCode 3 (28)
transaction date Ecom_Transaction_Date 80 (29)
transaction type Ecom_Transaction_Type 24 (30)
transaction signature Ecom_Transaction_Signature 160 (31)
end transaction flag Ecom_TransactionComplete - (22)
The following fields are used to communicate between the merchant and
the processor:
FIELD NAME Min Notes
merchant identifier Ecom_Merchant_ID 8
merchant terminal Ecom_Merchant_Terminal_ID 8 (39)
merchant terminal data Ecom_Merchant_Terminal_Data 128
transaction process code Ecom_Transaction_ProcessingCode 6 (40)
transaction reference Ecom_Transaction_Reference_ID 12
transaction acquirer Ecom_Transaction_Acquire_ID 13 (41)
transaction forward Ecom_Transaction_Forward_ID 13 (42)
transaction trace Ecom_Transaction_Trace_Audit 6 (43)
transaction effective date Ecom_Transaction_Effective_Date 4 (44)
transaction CID Ecom_Transaction_CID 8
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transaction POS Ecom_Transaction_POSCode 12 (45)
transaction private use Ecom_Transaction_PrivateUseData 166
transaction response Ecom_Transaction_ResponseData 27
transaction approval code Ecom_Transaction_ApprovalCode 12 (46)
transaction retrieval code Ecom_Transaction_RetrievalCode 128
transaction response action Ecom_Transaction_ActionCode 13 (47)
transaction reason Ecom_Transaction_ReasonCode 4
transaction AAV Ecom_Transaction_AAV 3
transaction settlement date Ecom_Transaction_Settle_Date 4 (48)
transaction capture date Ecom_Transaction_Capture_Date 4 (49)
transaction Track 1 Ecom_Transaction_Track1 39 (50)
transaction Track 2 Ecom_Transaction_Track2 39 (51)
IMPORTANT NOTE: "MIN" in the table above is the MINIMUM DATA SIZE TO
ALLOW FOR ON DATA ENTRY. It is NOT the minimum size for valid
contents of the field and merchant software should, in most cases, be
prepared to receive a longer or shorter value. Merchant dealing with
areas where, for example, the state/province name or phone number is
longer than the "Min" given below must obviously permit longer data
entry. In some cases, however, there is a maximum size that makes
sense and this is usually documented in a Note for the field.
2.1.2 Field Foot Notes
( 1) For example: Mr., Mrs., Ms., Dr. This field is commonly not used.
( 2) May also be used for middle initial.
( 3) For example: Ph.D., Jr. (Junior), 3rd, Esq. (Esquire). This field
is commonly not used.
( 4) Address lines must be filled in the order line1, then line2, and
last line3.
( 5) 2 characters are the minimum for the US and Canada,
other countries may require longer fields.
For the US use 2 character US Postal state abbreviation.
( 6) Minimum field lengths for Postal Code will vary based on
international market served. Use 5 character or 5+4 ZIP for the US
and 6 character postal code for Canada. The size given, 14, is
believed to be the maximum required anywhere in the world.
( 7) Use [ISO 3166] standard two letter codes.
( 8) 10 digits are the minimum for numbers local to the North American
Numbering Plan (<http://www.nanpa.com>: US, Canada and a number of
smaller Caribbean and Pacific nations (but not Cuba)), other countries
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may require longer fields. Telephone numbers are complicated by
differing international access codes, variant punctuation of area/city
codes within countries, confusion caused by the fact that the
international access code in the NANP region is usually the same as
the "country code" for that area ("1"), etc. It will probably be
necessary to use heuristics or human examination based on the
telephone number and addresses given to figure out how to actually
call a customer. It is recommend that an "x" be placed before
extension numbers.
( 9) For example: jsmith@example.com
(10) The name of the cardholder.
(11) Use the first 4 letters of the association name:
AMER American Express
BANK Bankcard (Australia)
DC DC (Japan)
DINE Diners Club
DISC Discover
JCB JCB
MAST Mastercard
NIKO Nikos (Japan)
SAIS Saison (Japan)
UC UC (Japan)
UCAR UCard (Taiwan)
VISA Visa
(12) Includes the check digit at end but no spaces or hyphens [ISO
7812]. The Min given, 19, is the longest number permitted under the
ISO standard.
(13) An additional cardholder verification number printed on the card
(but not embossed or recorded on the magnetic stripe) such as
American Express' CIV, MasterCard's CVC2, and Visa's CVV2 values.
(14) The day of the month. Values: 1-31. A leading zero is ignored
so, for example, 07 is valid for the seventh day of the month.
(15) The month of the year. Jan - 1, Feb - 2, March - 3, etc.;
Values: 1-12. A leading zero is ignored so, for example, 07 is valid
for July.
(16) The value in the wallet cell is always four digits, e.g., 1999,
2000, 2001, ...
(17) A space separated list of protocols available in connection with
the specified card. Initial list of case insensitive tokens:
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none
set
setcert
iotp
echeck
simcard
phoneid
"Set" indicates usable with SET protocol (i.e., is in a SET wallet)
but does not have a SET certificate. "Setcert" indicates usable with
SET and has a set certificate. "iotp" indicates the IOTP protocol
[RFC 2801] is supported at the customer. "echeck" indicates that the
eCheck protocol [eCheck] is supported at the customer. "simcard"
indicates use the transaction instrument built into a Cellphone
subscriber for identification. "phoneid" indicates use the
transaction instrument of a phone bill instrument. "None" indicates
that automatic field fill is operating but there is no SET wallet or
the card is not entered in any SET wallet.
(18) A unique order ID generated by the consumer software.
(19) The user ID and password fields are used in cases where the user
has a pre-established account with the merchant.
(20) URI [RFC 2396]] indicating version of this set of fields.
Usually a hidden field. Equal to
"http://ecml.trade.wg.ietf.arpa/version/2.0" for this version.
(21) A string to identify the source and version of the form fill
software that is acting on behalf of the user. Should contain
company and/or product name and version. Example "Wallets Inc.,
SuperFill, v42.7". Usually a hidden field.
(22) A flag to indicate that this web-page/aggregate is the final one
for this transaction. Usually a hidden field.
(23) Merchant domain name [RFC 1034] such as www.merchant.example.
This is usually a hidden field.
(24) Domain name [RFC 1034] of gateway transaction processor who is
actually accepting the payment on behalf of the merchant in home
domain such as www.processor.example. This is usually a hidden
field.
(25) A Transaction identification string whose format is specific to
the processor. This is usually a hidden field.
(26) A URL that can be invoked to inquire about the transaction.
This is usually a hidden field.
(27) The amount of the transaction in ISO currency format [ISO 4217].
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This is two integer numbers with a period in between but no other
currency marks (such as a $ dollar sign). This is usually a hidden
field.
(28) This is the three letter ISO currency code [ISO 4217]. For
example, for US dollars it is USD. This is usually a hidden field.
(29) ISO Transaction date. This is usually a hidden field.
(30) The type of the transaction if known. This is usually a hidden
field. Currently a value from the following list
debit
credit
(31) The signature of the encoded certificate. This is usually a
hidden field.
(32) The ReceiptTo fields are used when the BillTo entity, location,
or address and the ReceipTo entity, location, or address are
different. For example, when using some forms of Corporate
Purchasing Cards or Agent Purchasing Cards, the individual card
holder would be in the ReceiptTo fields and the corporate or other
owner would be in the BillTo fields.
(33) An IETF Language Tag as defined in [RFC 3066].
(34) ASCII [ASCII] character string with no leading or trailing white
space.
(35) Uniform Resource Locator [RFC 2396].
(36) A single capital letter, M=male, F=Female, N=Neuter,
H=Hermaphrodite, U=Unknown.
(37) An immutable device identification or serial number (34).
(38) User understandable device brand name (34).
(39) ISO 8583 field "card acceptor terminal identification".
(40) ISO 8583 field "processing code".
(41) ISO 8583 field "acquiring institution identification code".
(42) ISO 8583 field "forwarding institution identification code".
(43) ISO 8583 field "system trace audit field".
(44) ISO 8583 field "date effective".
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(45) ISO 8583 field "point of sale date code".
(46) ISO 8583 field "approval code".
(47) ISO 8583 field "action code".
(48) ISO 8583 field "date settlement".
(49) ISO 8583 field "date capture".
(50) ISO 8583 field "trace 1 data".
(51) ISO 8583 field "trace 2 data".
(52) User recognizable loyalty card brand name.
(53) The card issue number required by the UK based Switch and Solo
acquirers.
2.2 ECML v2 XML DTD
For internationalization of ECML, use the general XML character
encoding provisions [XML], which mandate support of UTF-8 and UTF-16
and permit support of other character sets, and the xml:lang
attribute which may be used to specify language information.
<!-- Electronic Commerce Modeling Language v2 -->
<!ELEMENT Ecom ( #PCDATA | ShipTo | BillTo | ReceiptTo | Payment |
Loyalty | User | Merchant | Transaction |
TransactionComplete )* >
<!ATTLIST Ecom
id ID #IMPLIED
ConsumerOrderID CDATA #IMPLIED
Merchant CDATA #IMPLIED
Mode (Query|Assert) #IMPLIED
Processor CDATA #IMPLIED
SchemaVersion "http://ecml.trade.wg.ietf.arpa/version/2.0"
#IMPLIED
WalletID CDATA #IMPLIED
WalletLocation CDATA #IMPLIED >
<!ELEMENT ShipTo ( #PCDATA | Postal | Telecom | Online )* >
<!ATTLIST ShipTo
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED >
<!ELEMENT BillTo ( #PCDATA | Postal | Telecom | Online )* >
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<!ATTLIST BillTo
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED >
<!ELEMENT ReceiptTo ( #PCDATA | Postal | Telecom | Online )* >
<!ATTLIST ReceiptTo
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED >
<!ELEMENT Postal ( #PCDATA | Name | Company |
Street | City | StateProv )* >
<!ATTLIST Postal
id ID #IMPLIED
PostalCode NMTOKEN #IMPLIED
Mode (Query|Assert) #IMPLIED
CountryCode NMTOKEN #IMPLIED >
<!ELEMENT Name EMPTY >
<!ATTLIST Name
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED
Prefix NMTOKEN #IMPLIED
First NMTOKEN #IMPLIED
Middle NMTOKEN #IMPLIED
Last NMTOKEN #IMPLIED
Suffix NMTOKEN #IMPLIED >
<!ELEMENT Street EMPTY >
<!ATTLIST Street
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED
Line1 CDATA #REQUIRED
Line2 CDATA #IMPLIED
Line3 CDATA #IMPLIED >
<!ELEMENT Company (#PCDATA) >
<!ATTLIST Company
Mode (Query|Assert) #IMPLIED >
<!ELEMENT City (#PCDATA) >
<!ATTLIST City
Mode (Query|Assert) #IMPLIED >
<!ELEMENT StateProv (#PCDATA) >
<!ATTLIST StateProv
Mode (Query|Assert) #IMPLIED >
<!ELEMENT Telecom ( #PCDATA | Phone )* >
<!ATTLIST Telecom
Mode (Query|Assert) #IMPLIED >
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<!ELEMENT Phone EMPTY >
<!ATTLIST Phone
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED
Number CDATA #REQUIRED >
<!ELEMENT Online ( #PCDATA | Email )* >
<!ATTLIST Online
Mode (Query|Assert) #IMPLIED >
<!ELEMENT Email EMPTY >
<!ATTLIST Email
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED
Address CDATA #REQUIRED >
<!ELEMENT Payment Card >
<!ATTLIST Payment
Mode (Query|Assert) #IMPLIED >
<!ELEMENT Card ExpDate ValidDate? >
<!ATTLIST Card
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED
Name CDATA #IMPLIED
Type NMTOKEN #IMPLIED
Number NMTOKEN #REQUIRED
Protocols NMTOKENS #IMPLIED
Verification NMTOKEN #IMPLIED
Issuer NMTOKEN #IMPLIED >
<!ELEMENT Loyalty ExpDate? ValidDate? >
<!ATTLIST Loyalty
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED
Name CDATA #IMPLIED
Type NMTOKEN #IMPLIED
Number NMTOKEN #REQUIRED
Verification NMTOKEN #IMPLIED >
<!ELEMENT ExpDate EMPTY >
<!ATTLIST ExpDate
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED
Day NMTOKEN #IMPLIED
Month NMTOKEN #REQUIRED
Year NMTOKEN #REQUIRED >
<!ELEMENT ValidDate EMPTY >
<!ATTLIST ValidDate
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id ID #IMPLIED
Mode (Query|Assert) #IMPLIED
Day NMTOKEN #IMPLIED
Month NMTOKEN #IMPLIED
Year NMTOKEN #REQUIRED >
<!ELEMENT User ( #PCDATA | UserID | Password )* >
<!ATTLIST User
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED
CertificateURL CDATA #IMPLIED
DataCountry NMTOKEN #IMPLIED
DataLanguage CDATA #IMPLIED >
<!ELEMENT UserID (#PCDATA) >
<!ATTLIST UserID
Mode (Query|Assert) #IMPLIED >
<!ELEMENT Password (#PCDATA) >
<!ATTLIST Password
Mode (Query|Assert) #IMPLIED >
<!ELEMENT Merchant Terminal >
<!ATTLIST Merchant
Mode (Query|Assert) #IMPLIED
id ID #IMPLIED >
<!ELEMENT Terminal EMPTY >
<!ATTLIST Terminal
Id ID #IMPLIED
Mode (Query|Assert) #IMPLIED
Data CDATA #IMPLIED >
<!ELEMENT Transaction ( #PCDATA | Id | Code | Date | Data |
Inquiry | Signature )* >
<!ATTLIST Transaction
Amount CDATA #IMPLIED
Currency NMTOKEN #IMPLIED
Mode (Query|Assert) #IMPLIED
Type NMTOKEN #IMPLIED >
<!ELEMENT Id EMPTY >
<!ATTLIST Id
Id ID #IMPLIED
Mode (Query|Assert) #IMPLIED
CID NMTOKEN #IMPLIED
Reference NMTOKEN #IMPLIED
Acquire NMTOKEN #IMPLIED
Forward NMTOKEN #IMPLIED >
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<!ELEMENT Code EMPTY >
<!ATTLIST Code
Mode (Query|Assert) #IMPLIED
Processing CDTATA #IMPLIED
Approval NMTOKEN #IMPLIED
Retrieval NMTOKEN #IMPLIED
Action NMTOKEN #IMPLIED
Reason NMTOKEN #IMPLIED
POS NMTOKEN #IMPLIED >
<!ELEMENT Date (Effective?, Settle?, Capture?) >
<!ATTLIST Date
Mode (Query|Assert) #IMPLIED
id ID #IMPLIED >
<!ELEMENT Effective EMPTY >
<!ATTLIST Effective
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED
Day NMTOKEN #REQUIRED
Month NMTOKEN #REQUIRED
Year NMTOKEN #REQUIRED >
<!ELEMENT Settle EMPTY >
<!ATTLIST Settle
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED
Day NMTOKEN #REQUIRED
Month NMTOKEN #REQUIRED
Year NMTOKEN #REQUIRED >
<!ELEMENT Capture EMPTY >
<!ATTLIST Capture
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED
Day NMTOKEN #REQUIRED
Month NMTOKEN #REQUIRED
Year NMTOKEN #REQUIRED >
<!ELEMENT DATA ( #PCDATA | Trace | PrivateUse | Response |
AAV | Track1 | Track2 )* >
<!ATTLIST DATA
Mode (Query|Assert) #IMPLIED >
<!ELEMENT Trace #PCDATA >
<!ATTLIST Trade
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED >
<!ELEMENT PrivateUse #PCDATA >
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<!ATTLIST PrivateUse
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED >
<!ELEMENT Response #PCDATA >
<!ATTLIST Response
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED >
<!ELEMENT AAV #PCDATA >
<!ATTLIST AAV
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED >
<!ELEMENT Track1 #PCDATA >
<!ATTLIST Track1
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED >
<!ELEMENT Track2 #PCDATA >
<!ATTLIST TRack2
id ID #IMPLIED
Mode (Query|Assert) #IMPLIED >
<!ELEMENT TransactionComplete EMPTY >
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3. Usage Notes for ECML v2
This section provides a general usage guide for ECML v2.
3.1 Presentation of the Fields
This standard does not constrain the order or completeness of
communication of or query for these fields.
Some parties may wish to provide or ask for more information, some
less by omitting fields. Some may ask for the information they want
in one interaction or web page, others may ask for parts of the
information at different times in multiple interactions or different
web pages. For example, it is common to ask for "ship to" information
earlier, so shipping cost can be computed, before the payment method
information. Some parties may require that all the information they
request be provided while other make much information optional. Etc.
Every element may be flagged as a query or assertion by including the
optional Mode attribute with the value "Query" or "Assert"
respectively. The Mode attribute effects all descendant elements
until overridden by a lower level element with a Mode attribute.
Thus it is early to indicate that all of the elements in an ECML
structure are present as queries or assertions.
Query elements may have data content which should be interpreted as a
default value to be returned if no better value is known.
There is no way with Version 2.0 of ECML to indicate what query
fields the party considers mandatory. From the point of view of
software, all fields queried are optional to complete. However, a
party may give an error or re-present a request for information if
some field it requires is not completed, just as it may if a field is
completed in a manner it considers erroneous.
3.2 Methods and Flow of Setting the Fields
There are a variety of methods of communication possible between the
parties by which one can indicate what fields it wants the other to
provide. Probably the easiest to use for currently deployed mass
software is as fields in an [HTML] form. Other possibilities are to
use an [XML] exchange, the IOTP Authenticate transaction [RFC 2801],
or proprietary protocols.
So that browser software can tell what version it is dealing with, it
is REQUIRED that the Ecom_SchemaVersion field be included in every
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transactions when ECML is being used on the web. Ecom_SchemaVersion
SHOULD appear on every web page that has any Ecom fields and is
usually a hidden field.
User action or the appearance of the Ecom_SchemaVersion field are
examples of triggers that can be used to initiate a facility capable
of providing information in response to an ECML based query or
utilizing information from ECML assertions. Because some web
software may require user activation, it is RECOMMENDED at least one
user visible Ecom field on every web page with any Ecom fields
present when ECML is used via the web.
Because, under some circumstances, communications can proceed very
slowly, it may not be clear to an automated processing function when
it is finished receiving ECML fields on a web page or the like. For
this reason, it is RECOMMENDED that the Ecom_SchemaVersion field be
the last Ecom field on a web page.
Transfer or requests for information can extend over several
interactions or web pages. Without further provision, a facility
could either require re-starting on each page or possibly violate or
appear to violate privacy by continuing to provide personal data
beyond with end of the transaction with a particular business. For
this reason the Ecom_TransactionComplete field, which is normally
hidden, is provided. It is RECOMMENDED that it appear on the last
interaction or web page involved in a transaction, just before an
Ecom_SchemaVersion field, so that multi-interaction automated logic
can know when to stop if it chooses to check for this field.
4. Security and Privacy Considerations
The information called for by many of these fields is sensitive and
should be secured if being sent over the public Internet or through
other channels where it can be observed. Mechanisms for such
protection are not specified herein but channel encryption such as
TLS [RFC 2246] or IPSec [RFC 2411] would be appropriate in many
cases.
When information is being requested from a user, their control over
release of such information is needed to protect their privacy.
Software that is installed on a shared or public terminal should be
configurable such that memory of any sensitive or individual identity
information is fully disabled. This is vital to protect the privacy
of library patrons, students, and customers using public terminals,
and children who might, for example, use a form on a public terminal
without realizing that their information is being stored.
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When sensitive or individual identification information is stored,
the operator or user should have an option to protect the information
with a password, without which the information will be unavailable,
even to someone who has access to the file(s) in which it is being
stored. This might also allow for a convenient method for multiple
users to use their own ECML information from the same software.
Any multi-page/screen or other multi-aggregate field fill in or data
provision mechanism SHOULD check for the Ecom_TransactionComplete
field and cease automated fill when it is encountered until fill is
further authorized.
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Informative References
[eCheck] - <http://www.echeck.org>
[EMV] - <http://www.emvco.org/specifications.cfm>
[HTML] - "HTML 3.2 Reference Specification", <
http://www.w3.org/TR/REC-html32.html>, D. Raggett, January 1997.
[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>.
[RFC 1034] - "Domain names - concepts and facilities", P.V.
Mockapetris, Nov-01-1987.
[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 2411] - "IP Security: Document Roadmap", R. Thayer, N.
Doraswany, R. Glenn. November 1998.
[RFC 2706] - "ECML v1: Field Names for E-Commerce", D. Eastlake, T.
Goldstein, September 1999.
[RFC 2801] - "Internet Open Trading Protocol - IOTP Version 1.0", D.
Burdett, April 2000.
[RFC 3106] - "ECML v1.1: Field Specifications for E-Commerce", D.
Eastlake, T. Goldstein, April 2001.
[SET] - Secure Electronic Transaction,
<http://www.setco.org/set_specifications.html>
Normative References
[ASCII] - USA Standard Code for Information Interchange, X3.4
American National Standards Institute; New York, 1968.
[IANA] - Internet Assigned Numbers Authority, Official Names for
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Character Sets, ed. Keld Simonsen et al. <ftp://ftp.isi.edu/in-
notes/iana/assignments/character-sets>.
[ISO 3166] - "Codes for the representation of names of countries and
their subdivisions -- Part 1: Country codes", ISO 3166-1, 1997.
[ISO 4217] - "Codes for the representation of currencies and funds",
ISO 4217, 2001.
[ISO 7812] - "Identification card - Identification of issuers - Part
1: Numbering system", ISO 7812-1, 2000.
[ISO 8583] - "Financial transaction card originated messages -
Interchange message specifications - Part 1: Messages, elements and
code values", ISO 8583-1, 2001.
[RFC 1766] - "Tags for the Identification of Languages", H.
Alvestrand. March 1995.
[RFC 2396] - "Uniform Resource Identifiers (URI): Generic Syntax", T.
Berners-Lee, R. Fielding, L. Masinter, August 1998.
[RFC 3066] - "Tags for the Identification of Languages", H.
Alvestrand, January 2001.
[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, E. Maler
Appendix: Changes from v1.1 to v2
Substantial rewording of text to change the emphasis from an HTML
Form Field naming to XML Syntax.
Addition of the merhcant -> processor fields.
Addition of the Ecom_Wallet_Location and Ecom_User_Certificate_URL
fields.
Addition of the "Mode" attribute.
Addition of the ECom_Payment_Card_IssueNumber, Loyalty Card fields,
Device ID, Valid Fromt, and User Data fields.
D. Eastlake 3rd [Page 22]
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Full Copyright Statement
Copyright (C) 2003, 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.
D. Eastlake 3rd [Page 23]
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Author's Address
Donald E. Eastlake 3rd
Motorola Laboratories
155 Beaver Street
Milford, MA 01757 USA
Phone: 1-508-851-8280(work)
1-508-634-2066(home)
EMail: Donald.Eastlake@motorola.com
File name and Expiration
This file is draft-ietf-trade-ecml2-spec-08.txt.
It expires July 2003.
D. Eastlake 3rd [Page 24]
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