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HTTP/2 200 date: Mon, 09 Nov 2020 15:15:46 GMT content-type: text/html; charset=UTF-8 set-cookie: __cfduid=dfaa9d3f8bf1d75750dcc726081ed00691604934946; expires=Wed, 09-Dec-20 15:15:46 GMT; path=/;; HttpOnly; SameSite=Lax; Secure link: ; rel="", ; rel="alternate"; type="application/json", ; rel=shortlink vary: X-Forwarded-Proto,Accept-Encoding last-modified: Mon, 09 Nov 2020 15:10:23 GMT cache-control: max-age=0 expires: Mon, 09 Nov 2020 15:10:22 GMT age: 324 x-cache: HIT cf-cache-status: DYNAMIC cf-request-id: 064f2ce7d10000c1e89f8e9000000001 expect-ct: max-age=604800, report-uri="" report-to: {"endpoints":[{"url":"https:\/\/\/report?s=wAm2%2F2BiieSG5aD3pnX2myn9%2FlfHVTHGvdate5i1Z4CrF0wf67FCBJdEv6JdBGksyPTajOEHyh3FgnPa7rZF%2FRVPRKV8%2FZas%2B7oCBJ8%3D"}],"group":"cf-nel","max_age":604800} nel: {"report_to":"cf-nel","max_age":604800} server: cloudflare cf-ray: 5ef87db94b9fc1e8-IAD EMVCo, Fido and W3C explain how their technologies can be combined to streamline ecommerce payments • NFCW

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By Tom Phillips[2] • Updated[3]

W3C payment request api flow diagramW3C payment request api flow diagram
Payment standards body EMVCo[4], the Fido Alliance[5] and the World Wide Web Consortium[6] (W3C) have published a document that explains how their technical specifications can be used to enable more secure and convenient card-based ecommerce transactions.

How EMVCo, Fido and W3C Technologies Relate[7]’ focuses on secure card payment during online guest checkout with ecommerce merchants, and details the core capabilities of technologies relating to this use case, namely:

  • EMV Secure Remote Commerce (SRC)
  • EMV 3-D Secure (3DS)
  • EMV Payment Tokenization
  • Fido Client-to-Authenticator Protocol (CTAP)
  • W3C’s Web Authentication, Payment Request API and payment apps.
The document also identifies how these technical specifications “can support merchant efforts to fight fraud, protect user privacy and meet regulatory requirements, while helping to reduce cost and streamline the online payment process”.

‘How EMVCo, Fido and W3C Technologies Relate’ is the first document to be produced under the umbrella of the Web Payment Security Interest Group that the three organisations established in April 2019[8].

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currensceneFLOGO WHTsquareThough not the oldest form of currency, some form of shell money appears to have been found on almost every continent. The shell most widely used worldwide as currency was the shell of Cypraea moneta, the money cowry.

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