nickburris/secure-payment-confirmation

Explainer for Secure Payment Confirmation

Secure Payment Confirmation

Secure Payment Confirmation (SPC) is a Web API to support streamlined authentication during a payment transaction. It is designed to scale authentication across merchants, to be used within a wide range of authentication protocols, and to produce cryptographic evidence that the user has confirmed transaction details. The W3C Web Payments Working Group is developing SPC.

Links:

• Explainer
• Specification (spec.bs)
• Use Cases
• Requirements
• Tests

FAQ

Q. Who can validate the SPC response besides the actual Relying Party (RP)?

An SPC challenge bundles transaction details with transaction-specific dynamic data from the Relying Party. An SPC response includes a signature over that challenge. Validation in SPC refers to the verification of that signature using the credential public key. A Relying Party can choose to share the credential public key with another party (e.g., a card network or payment service provider) via out-of-band communication to enable that party to validate the SPC assertion.

Acknowledgements

Contributors:

• Adrian Hope-Bailie (Coil)
• Benjamin Tidor (Stripe)
• Danyao Wang (Google)
• Christiaan Brand (Google)
• Rouslan Solomakhin (Google)
• Nick Burris (Google)
• Gerhard Oosthuizen (Entersekt)