RFC 2801
Network Working Group D. Burdett
Request for Comments: 2801 Commerce One
Category: Informational April 2000
Internet Open Trading Protocol - IOTP
Version 1.0
Status of this Memo
This memo provides information for the Internet community. It does
not specify an Internet standard of any kind. Distribution of this
memo is unlimited.
Copyright Notice
Copyright (C) The Internet Society (2000). All Rights Reserved.
Abstract
The Internet Open Trading Protocol (IOTP) provides an interoperable
framework for Internet commerce. It is payment system independent and
encapsulates payment systems such as SET, Secure Channel
Credit/Debit, Mondex, CyberCoin, GeldKarte, etc. IOTP is able to
handle cases where such merchant roles as the shopping site, the
Payment Handler, the Delivery Handler of goods or services, and the
provider of customer support are performed by different parties or by
one party.
Table of Contents
1. Background .....................................................7
1.1 Commerce on the Internet, a Different Model .................7
1.2 Benefits of IOTP ............................................9
1.3 Baseline IOTP ..............................................10
1.4 Objectives of Document .....................................10
1.5 Scope of Document ..........................................11
1.6 Document Structure .........................................11
1.7 Intended Readership ........................................13
1.7.1 Reading Guidelines ...................................13
2. Introduction ..................................................14
2.1 Trading Roles ..............................................16
2.2 Trading Exchanges ..........................................18
2.2.1 Offer Exchange .......................................19
2.2.2 Payment Exchange .....................................21
2.2.3 Delivery Exchange ....................................24
2.2.4 Authentication Exchange ..............................26
2.3 Scope of Baseline IOTP .....................................28
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3. Protocol Structure ............................................31
3.1 Overview ...................................................32
3.1.1 IOTP Message Structure ...............................32
3.1.2 IOTP Transactions ....................................34
3.2 IOTP Message ...............................................35
3.2.1 XML Document Prolog ..................................37
3.3 Transaction Reference Block ................................37
3.3.1 Transaction Id Component .............................38
3.3.2 Message Id Component .................................39
3.3.3 Related To Component .................................41
3.4 ID Attributes ..............................................42
3.4.1 IOTP Message ID Attribute Definition .................43
3.4.2 Block and Component ID Attribute Definitions .........44
3.4.3 Example of use of ID Attributes ......................46
3.5 Element References .........................................46
3.6 Extending IOTP .............................................48
3.6.1 Extra XML Elements ...................................49
3.6.2 Opaque Embedded Data .................................50
3.7 Packaged Content Element ...................................50
3.7.1 Packaging HTML .......................................52
3.7.2 Packaging XML ........................................53
3.8 Identifying Languages ......................................54
3.9 Secure and Insecure Net Locations ..........................54
3.10 Cancelled Transactions .....................................55
3.10.1 Cancelling Transactions ..............................55
3.10.2 Handling Cancelled Transactions ......................56
4. IOTP Error Handling ...........................................56
4.1 Technical Errors ...........................................57
4.2 Business Errors ............................................57
4.3 Error Depth ................................................58
4.3.1 Transport Level ......................................58
4.3.2 Message Level ........................................58
4.3.3 Block Level ..........................................59
4.4 Idempotency, Processing Sequence, and Message Flow .........61
4.5 Server Role Processing Sequence ............................62
4.5.1 Initiating Transactions ..............................62
4.5.2 Processing Input Messages ............................63
4.5.3 Cancelling a Transaction .............................70
4.5.4 Retransmitting Messages ..............................70
4.6 Client Role Processing Sequence ............................71
4.6.1 Initiating Transactions ..............................71
4.6.2 Processing Input Messages ............................72
4.6.3 Cancelling a Transaction .............................74
4.6.4 Retransmitting Messages ..............................74
5. Security Considerations .......................................74
5.1 Determining whether to use digital signatures ..............74
5.2 Symmetric and Asymmetric Cryptography ......................76
5.3 Data Privacy ...............................................77
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5.4 Payment Protocol Security ..................................77
6. Digital Signatures and IOTP ...................................77
6.1 How IOTP uses Digital Signatures ...........................77
6.1.1 IOTP Signature Example ...............................80
6.1.2 OriginatorInfo and RecipientInfo Elements ............82
6.1.3 Using signatures to Prove Actions Complete
Successfully .........................................83
6.2 Checking a Signature is Correctly Calculated ...............84
6.3 Checking a Payment or Delivery can occur ...................85
6.3.1 Check Request Block sent Correct Organisation ........86
6.3.2 Check Correct Components present in Request Block ....91
6.3.3 Check an Action is Authorised ........................91
7. Trading Components ............................................93
7.1 Protocol Options Component .................................96
7.2 Authentication Request Component ...........................97
7.3 Authentication Response Component ..........................98
7.4 Trading Role Information Request Component .................99
7.5 Order Component ...........................................100
7.5.1 Order Description Content ...........................101
7.5.2 OkFrom and OkTo Timestamps ..........................101
7.6 Organisation Component ....................................102
7.6.1 Organisation IDs ....................................104
7.6.2 Trading Role Element ................................105
7.6.3 Contact Information Element .........................108
7.6.4 Person Name Element .................................109
7.6.5 Postal Address Element ..............................110
7.7 Brand List Component ......................................111
7.7.1 Brand Element .......................................113
7.7.2 Protocol Brand Element ..............................115
7.7.3 Protocol Amount Element .............................116
7.7.4 Currency Amount Element .............................117
7.7.5 Pay Protocol Element ................................118
7.8 Brand Selection Component .................................120
7.8.1 Brand Selection Brand Info Element ..................122
7.8.2 Brand Selection Protocol Amount Info Element ........122
7.8.3 Brand Selection Currency Amount Info Element ........123
7.9 Payment Component .........................................123
7.10 Payment Scheme Component ..................................125
7.11 Payment Receipt Component .................................126
7.12 Payment Note Component ....................................128
7.13 Delivery Component ........................................129
7.13.1 Delivery Data Element ...............................130
7.14 Consumer Delivery Data Component ..........................132
7.15 Delivery Note Component ...................................133
7.16 Status Component ..........................................134
7.16.1 Offer Completion Codes ..............................137
7.16.2 Payment Completion Codes ............................138
7.16.3 Delivery Completion Codes ...........................140
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7.16.4 Authentication Completion Codes .....................142
7.16.5 Undefined Completion Codes ..........................144
7.16.6 Transaction Inquiry Completion Codes ................144
7.17 Trading Role Data Component ...............................144
7.17.1 Who Receives a Trading Role Data Component ..........145
7.18 Inquiry Type Component ....................................146
7.19 Signature Component .......................................147
7.19.1 IOTP usage of signature elements and attributes .....148
7.19.2 Offer Response Signature Component ..................150
7.19.3 Payment Receipt Signature Component .................151
7.19.4 Delivery Response Signature Component ...............152
7.19.5 Authentication Request Signature Component ..........152
7.19.6 Authentication Response Signature Component .........153
7.19.7 Inquiry Request Signature Component .................153
7.19.8 Inquiry Response Signature Component ................153
7.19.9 Ping Request Signature Component ....................153
7.19.10 Ping Response Signature Component...................154
7.20 Certificate Component .....................................154
7.20.1 IOTP usage of signature elements and attributes .....154
7.21 Error Component ...........................................154
7.21.1 Error Processing Guidelines .........................157
7.21.2 Error Codes .........................................158
7.21.3 Error Location Element ..............................162
8. Trading Blocks ...............................................163
8.1 Trading Protocol Options Block ............................166
8.2 TPO Selection Block .......................................167
8.3 Offer Response Block ......................................168
8.4 Authentication Request Block ..............................169
8.5 Authentication Response Block .............................170
8.6 Authentication Status Block ...............................171
8.7 Payment Request Block .....................................171
8.8 Payment Exchange Block ....................................173
8.9 Payment Response Block ....................................173
8.10 Delivery Request Block ....................................175
8.11 Delivery Response Block ...................................176
8.12 Inquiry Request Trading Block .............................177
8.13 Inquiry Response Trading Block ............................177
8.14 Ping Request Block ........................................179
8.15 Ping Response Block .......................................179
8.16 Signature Block ...........................................181
8.16.1 Signature Block with Offer Response .................182
8.16.2 Signature Block with Payment Request ................182
8.16.3 Signature Block with Payment Response ...............182
8.16.4 Signature Block with Delivery Request ...............182
8.16.5 Signature Block with Delivery Response ..............182
8.17 Error Block ...............................................183
8.18 Cancel Block ..............................................184
9. Internet Open Trading Protocol Transactions ..................184
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9.1 Authentication and Payment Related IOTP Transactions ......185
9.1.1 Authentication Document Exchange ....................188
9.1.2 Offer Document Exchange .............................194
9.1.3 Payment Document Exchange ...........................203
9.1.4 Delivery Document Exchange ..........................209
9.1.5 Payment and Delivery Document Exchange ..............212
9.1.6 Baseline Authentication IOTP Transaction ............216
9.1.7 Baseline Deposit IOTP Transaction ...................218
9.1.8 Baseline Purchase IOTP Transaction ..................220
9.1.9 Baseline Refund IOTP Transaction ....................222
9.1.10 Baseline Withdrawal IOTP Transaction ................224
9.1.11 Baseline Value Exchange IOTP Transaction ............226
9.1.12 Valid Combinations of Document Exchanges ............230
9.1.13 Combining Authentication Transactions with other
Transactions ........................................234
9.2 Infrastructure Transactions ...............................235
9.2.1 Baseline Transaction Status Inquiry IOTP Transaction 235
9.2.2 Baseline Ping IOTP Transaction ......................241
10. Retrieving Logos .............................................244
10.1 Logo Size .................................................245
10.2 Logo Color Depth ..........................................245
10.3 Logo Net Location Examples ................................246
11. Brands .......................................................246
11.1 Brand Definitions and Brand Selection .....................246
11.1.1 Definition of Payment Instrument ....................247
11.1.2 Definition of Brand .................................247
11.1.3 Definition of Dual Brand ............................248
11.1.4 Definition of Promotional Brand .....................248
11.1.5 Identifying Promotional Brands ......................249
11.2 Brand List Examples .......................................251
11.2.1 Simple Credit Card Based Example ....................252
11.2.2 Credit Card Brand List Including Promotional Brands..253
11.2.3 Brand Selection Example .............................254
11.2.4 Complex Electronic Cash Based Brand List ............255
12. IANA Considerations ..........................................257
12.1 Codes Controlled by IANA ..................................257
12.2 Codes not controlled by IANA ..............................263
13. Internet Open Trading Protocol Data Type Definition ..........263
14. Glossary .....................................................277
15. References ...................................................284
16. Author's Address .............................................287
17. Full Copyright Statement .....................................290
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Table of Figures
Figure 1 IOTP Trading Roles 16
Figure 2 Offer Exchange 19
Figure 3 Payment Exchange 22
Figure 4 Delivery Exchange 25
Figure 5 Authentication Exchange 27
Figure 6 IOTP Message Structure 33
Figure 7 An IOTP Transaction 34
Figure 8 Example use of ID attributes 46
Figure 9 Element References 48
Figure 10 Signature Digests 79
Figure 11 Example use of Signatures for Baseline Purchase 81
Figure 12 Checking a Payment Handler can carry out a Payment 87
Figure 13 Checking a Delivery Handler can carry out a Delivery 90
Figure 14 Trading Components 94
Figure 15 Brand List Element Relationships 113
Figure 16 Trading Blocks 164
Figure 17 Payment and Authentication Message Flow Combinations 187
Figure 18 Authentication Document Exchange 190
Figure 19 Brand Dependent Offer Document Exchange 196
Figure 20 Brand Independent Offer Exchange 198
Figure 21 Payment Document Exchange 204
Figure 22 Delivery Document Exchange 210
Figure 23 Payment and Delivery Document Exchange 214
Figure 24 Baseline Authentication IOTP Transaction 217
Figure 25 Baseline Deposit IOTP Transaction 219
Figure 26 Baseline Purchase IOTP Transaction 221
Figure 27 Baseline Refund IOTP Transaction 223
Figure 28 Baseline Withdrawal IOTP Transaction 225
Figure 29 Baseline Value Exchange IOTP Transaction 228
Figure 30 Baseline Value Exchange Signatures 230
Figure 31 Valid Combinations of Document Exchanges 231
Figure 32 Baseline Transaction Status Inquiry 238
Figure 33 Baseline Ping Messages 242
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1. Background
The Internet Open Trading Protocol (IOTP) provides an interoperable
framework for Internet commerce. It is payment system independent and
encapsulates payment systems such as SET, Mondex, CyberCash,
DigiCash, GeldKarte, etc. IOTP is able to handle cases where such
merchant roles as the shopping site, the Payment Handler, the
Delivery Handler of goods or services, and the provider of customer
support are performed by different parties or by one party.
The developers of IOTP seek to provide a virtual capability that
safely replicates the real world, the paper based, traditional,
understood, accepted methods of trading, buying, selling, value
exchanging that has existed for many hundreds of years. The
negotiation of who will be the parties to the trade, how it will be
conducted, the presentment of an offer, the method of payment, the
provision of a payment receipt, the delivery of goods and the receipt
of goods. These are events that are taken for granted in the course
of real world trade. IOTP has been produced to provide the same for
the virtual world, and to prepare and provide for the introduction of
new models of trading made possible by the expanding presence of the
virtual world.
The other fundamental ideal of the IOTP effort is to produce a
definition of these trading events in such a way that no matter where
produced, two unfamiliar parties using electronic commerce
capabilities to buy and sell that conform to the IOTP specifications
will be able to complete the business safely and successfully.
In summary, IOTP supports:
o Familiar trading models
o New trading models
o Global interoperability
The remainder of this section provides background to why IOTP was
developed. The specification itself starts in the next chapter.
1.1 Commerce on the Internet, a Different Model
The growth of the Internet and the advent of electronic commerce are
bringing about enormous changes around the world in society, politics
and government, and in business. The ways in which trading partners
communicate, conduct commerce, are governed have been enriched and
changed forever.
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One of the very fundamental changes about which IOTP is concerned is
taking place in the way consumers and merchants trade.
Characteristics of trading that have changed markedly include:
o Presence: Face-to-face transactions become the exception, not the
rule. Already with the rise of mail order and telephone order
placement this change has been felt in western commerce.
Electronic commerce over the Internet will further expand the
scope and volume of transactions conducted without ever seeing the
people who are a part of the enterprise with whom one does
business.
o Authentication: An important part of personal presence is the
ability of the parties to use familiar objects and dialogue to
confirm they are who they claim to be. The seller displays one or
several well known financial logos that declaim his ability to
accept widely used credit and debit instruments in the payment
part of a purchase. The buyer brings government or financial
institution identification that assures the seller she will be
paid. People use intangibles such as personal appearance and
conduct, location of the store, apparent quality and familiarity
with brands of merchandise, and a good clear look in the eye to
reinforce formal means of authentication.
o Payment Instruments: Despite the enormous size of bank card
financial payments associations and their members, most of the
world's trade still takes place using the coin of the realm or
barter. The present infrastructure of the payments business cannot
economically support low value transactions and could not survive
under the consequent volumes of transactions if it did accept low
value transactions.
o Transaction Values: New meaning for low value transactions arises
in the Internet where sellers may wish to offer for example, pages
of information for fractions of currency that do not exist in the
real world.
o Delivery: New modes of delivery must be accommodated such as
direct electronic delivery. The means by which receipt is
confirmed and the execution of payment change dramatically where
the goods or services have extremely low delivery cost but may in
fact have very high value. Or, maybe the value is not high, but
once delivery occurs the value is irretrievably delivered so
payment must be final and non-refundable but delivery nonetheless
must still be confirmed before payment. Incremental delivery such
as listening or viewing time or playing time are other models that
operate somewhat differently in the virtual world.
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1.2 Benefits of IOTP
ELECTRONIC COMMERCE SOFTWARE VENDORS
Electronic Commerce Software Vendors will be able to develop e-
commerce products which are more attractive as they will inter-
operate with any other vendors' software. However, since IOTP focuses
on how these solutions communicate, there is still plenty of
opportunity for product differentiation.
PAYMENT BRANDS
IOTP provides a standard framework for encapsulating payment
protocols. This means that it is easier for payment products to be
incorporated into IOTP solutions. As a result the payment brands will
be more widely distributed and available on a wider variety of
platforms.
MERCHANTS
There are several benefits for Merchants:
o they will be able to offer a wider variety of payment brands,
o they can be more certain that the customer will have the software
needed to complete the purchase
o through receiving payment and delivery receipts from their
customers, they will be able to provide customer care knowing that
they are dealing with the individual or organisation with which
they originally traded
o new merchants will be able to enter this new (Internet) market-
place with new products and services, using the new trading
opportunities which IOTP presents
BANKS AND FINANCIAL INSTITUTIONS
There are also several benefits for Banks and Financial Institutions:
o they will be able to provide IOTP support for merchants
o they will find new opportunities for IOTP related services:
- providing customer care for merchants
- fees from processing new payments and deposits
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o they have an opportunity to build relationships with new types of
merchants
CUSTOMERS
For Customers there are several benefits:
o they will have a larger selection of merchants with whom they can
trade
o there is a more consistent interface when making the purchase
o there are ways in which they can get their problems fixed through
the merchant (rather than the bank!)
o there is a record of their transaction which can be used, for
example, to feed into accounting systems or, potentially, to
present to the tax authorities
1.3 Baseline IOTP
This specification is Baseline IOTP. It is a Baseline in that it
contains ways of doing trades on the Internet which are the most
common, for example purchases and refunds.
The group that has worked on the IOTP see an extended version being
developed over time but feel a need to focus on a limited function
but completely usable specification in order that implementers can
develop solutions that work now.
During this period it is anticipated that there will be no changes to
the scope of this specification with the only changes made being
limited to corrections where problems are found. Software solutions
have been developed based on earlier versions of this specification
(for example version 0.9 published in early 1998 and earlier
revisions of version 1.0 published during 1999) which prove that the
IOTP works.
1.4 Objectives of Document
The objectives of this document are to provide a specification of
version 1.0 of the Internet Open Trading Protocols which can be used
to design and implement systems which support electronic trading on
the Internet using the Internet Open Trading Protocols.
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The purpose of the document is:
o to allow potential developers of products based on the protocol to
develop software/hardware solutions which use the protocol
o to allow the financial services industry to understand a
developing electronic commerce trading protocol that encapsulates
(without modification) any of the current or developing payment
schemes now being used or considered by their merchant customer
base
1.5 Scope of Document
The protocol describes the content, format and sequences of messages
that pass among the participants in an electronic trade - consumers,
merchants and banks or other financial institutions, and customer
care providers. These are required to support the electronic
commerce transactions outlined in the objectives above.
The protocol is designed to be applicable to any electronic payment
scheme since it targets the complete purchase process where the
movement of electronic value from the payer to the payee is only one,
but important, step of many that may be involved to complete the
trade.
Payment Scheme which IOTP could support include MasterCard Credit,
Visa Credit, Mondex Cash, Visa Cash, GeldKarte, eCash, CyberCoin,
Millicent, Proton, etc.
Each payment scheme contains some message flows which are specific to
that scheme. These scheme-specific parts of the protocol are
contained in a set of payment scheme supplements to this
specification.
The document does not prescribe the software and processes that will
need to be implemented by each participant. It does describe the
framework necessary for trading to take place.
This document also does not address any legal or regulatory issues
surrounding the implementation of the protocol or the information
systems which use them.
1.6 Document Structure
The document consists of the following sections:
o Section 1 - Background: This section gives a brief background on
electronic commerce and the benefits IOTP offers.
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o Section 2 - Introduction: This section describes the various
Trading Exchanges and shows how these trading exchanges are used
to construct the IOTP Transactions. This section also explains
various Trading Roles that would participate in electronic trade.
o Section 3 - Protocol Structure: This section summarises how
various IOTP transactions are constructed using the Trading Blocks
and Trading Components that are the fundamental building blocks
for IOTP transactions. All IOTP transaction messages are well
formed XML documents.
o Section 4 - IOTP Error Handling: This section describes how to
process exceptions and errors during the protocol message exchange
and trading exchange processing. This section provides a generic
overview of the exception handling. This section should be read
carefully.
o Section 5 - Security Considerations: This section considers from
an IETF perspective, how IOTP addresses security. It includes: how
to determine whether to use digital signatures with IOTP, how IOTP
address data privacy, and how security built into payment
protocols relate to IOTP security.
o Section 6 - Digital Signatures and IOTP: This section provides an
overview of how IOTP uses digital signatures; how to check a
signature is correctly calculated and how the various Trading
Roles that participate in trade should check signatures when
required.
o Section 7 - Trading Components: This section defines the XML
elements required by Trading Components.
o Section 8 - Trading Blocks: This section describes how Trading
Blocks are constructed from Trading Components.
o Section 9 - Internet Open Trading Protocol Transactions: This
section describes all the IOTP Baseline transactions. It refers to
Trading Blocks and Trading Components and Signatures. This section
doesn't directly link error handling during the protocol
exchanges, the reader is advised to understand Error Handling as
defined in section before reading this section.
o Section 10 - Retrieving Logos: This section describes how IOTP
specific logos can be retrieved.
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o Section 11 - Brands: This section provides: an overview of Brand
Definitions and Brand Selection which describe how a Consumer can
select a Brand from a list provided by the Merchant; as well as
some examples of Brand Lists.
o Section 12 - IANA Considerations: This section describes how new
values for codes used by IOTP are co-ordinated.
o Section 13 - Internet Open Trading Protocol Data Type Definition:
This section contains the XML Data Type Definitions for IOTP.
o Section 14 - Glossary. This describes all the major terminology
used by IOTP.
o Section 15 - A list of the other documents referenced by the IOTP
specification.
o Section 16 - The Author's Address
o Section 17 - Full Copyright Statement
1.7 Intended Readership
Software and hardware developers; development analysts; business and
technical planners; industry analysts; merchants; bank and other
payment handlers; owners, custodians, and users of payment protocols.
1.7.1 Reading Guidelines
This IOTP specification is structured primarily in a sequence
targeted at people who want to understand the principles of IOTP.
However from practical implementation experience by implementers of
earlier of versions of the protocol new readers who plan to implement
IOTP may prefer to read the document in a different sequence as
described below.
Review the transport independent parts of the specification. This
covers:
o Section 14 - Glossary
o Section 1 - Background
o Section 2 - Introduction
o Section 3 - Protocol Structure
o Section 4 - IOTP Error Handling
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o Section 5 - Security Considerations
o Section 9 - Internet Open Trading Protocol Transactions
o Section 11 - Brands
o Section 12 - IANA Considerations
o Section 10 - Retrieving Logos
Review the detailed XML definitions:
o Section 8 - Trading Blocks
o Section 7 - Trading Components
o Section 6 - Digital Signatures and IOTP
2. Introduction
The Internet Open Trading Protocols (IOTP) define a number of
different types of IOTP Transactions:
o Purchase. This supports a purchase involving an offer, a payment
and optionally a delivery
o Refund. This supports the refund of a payment as a result of,
typically, an earlier purchase
o Value Exchange. This involves two payments which result in the
exchange of value from one combination of currency and payment
method to another
o Authentication. This supports one organisation or individual to
check that another organisation or individual are who they appear
to be.
o Withdrawal. This supports the withdrawal of electronic cash from a
financial institution
o Deposit. This supports the deposit of electronic cash at a
financial institution
o Inquiry. This supports inquiries on the status of an IOTP
transaction which is either in progress or is complete
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o Ping. This supports a simple query which enables one IOTP aware
application to determine whether another IOTP application running
elsewhere is working or not.
These IOTP Transactions are "Baseline" transactions since they have
been identified as a minimum useful set of transactions. Later
versions of IOTP may include additional types of transactions.
Each of the IOTP Transactions above involve:
o a number of organisations playing a Trading Role, and
o a set of Trading Exchanges. Each Trading Exchange involves the
exchange of data, between Trading Roles, in the form of a set of
Trading Components.
Trading Roles, Trading Exchanges and Trading Components are described
below.
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2.1 Trading Roles
The Trading Roles identify the different parts which organisations
can take in a trade. The five Trading Roles used within IOTP are
illustrated in the diagram below.
*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
Merchant Customer Care Provider resolves ----------
---------------------------------------------->| Merchant |
| Consumer disputes and problems |Cust.Care.|
| | Provider |
| ----------
|
Payment Handler accepts or makes ----------
| ------------------------------------------>| Payment |
| | Payment for Merchant | Handler |
| | ----------
v v
---------- Consumer makes purchases or obtains ----------
| Consumer |<--------------------------------------->| Merchant |
---------- refund from Merchant ----------
^
| Delivery Handler supplies goods or ----------
|---------------------------------------------->|Deliverer |
services for Merchant | Handler |
----------
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 1 IOTP Trading Roles
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The roles are:
o Consumer. The person or organisation which is to receive and pay
for the goods or services
o Merchant. The person or organisation from whom the purchase is
being made and who is legally responsible for providing the goods
or services and receives the benefit of the payment made
o Payment Handler. The entity that physically receives the payment
from the Consumer on behalf of the Merchant
o Delivery Handler. The entity that physically delivers the goods or
services to the Consumer on behalf of the Merchant.
o Merchant Customer Care Provider. The entity that is involved with
customer dispute negotiation and resolution on behalf of the
Merchant
Roles may be carried out by the same organisation or different
organisations. For example:
o in the simplest case one physical organisation (e.g., a merchant)
could handle the purchase, accept the payment, deliver the goods
and provide merchant customer care
o at the other extreme, a merchant could handle the purchase but
instruct the consumer to pay a bank or financial institution,
request that delivery be made by an overnight courier firm and to
contact an organisation which provides 24x7 service if problems
arise.
Note that in this specification, unless stated to the contrary, when
the words Consumer, Merchant, Payment Handler, Delivery Handler or
Customer Care Provider are used, they refer to the Trading Role
rather than an actual organisation.
An individual organisation may take multiple roles. For example a
company which is selling goods and services on the Internet could
take the role of Merchant when selling goods or services and the role
of Consumer when the company is buying goods or services itself.
As roles occur in different places there is a need for the
organisations involved in the trade to exchange data, i.e. to carry
out Trading Exchanges, so that the trade can be completed.
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2.2 Trading Exchanges
The Internet Open Trading Protocols identify four Trading Exchanges
which involve the exchange of data between the Trading Roles. The
Trading Exchanges are:
o Offer. The Offer Exchange results in the Merchant providing the
Consumer with the reason why the trade is taking place. It is
called an Offer since the Consumer must accept the Offer if a
trade is to continue
o Payment. The Payment Exchange results in a payment of some kind
between the Consumer and the Payment Handler. This may occur in
either direction
o Delivery. The Delivery Exchange transmits either the on-line
goods, or delivery information about physical goods from the
Delivery Handler to the Consumer, and
o Authentication. The Authentication Exchange can be used by any
Trading Role to authenticate another Trading Role to check that
they are who they appear to be.
IOTP Transactions are composed of various combinations of these
Trading Exchanges. For example, an IOTP Purchase transaction
includes Offer, Payment, and Delivery Trading Exchanges. As another
example, an IOTP Value Exchange transaction is composed of an Offer
Trading Exchange and two Payment Trading Exchanges.
Trading Exchanges consist of Trading Components that are transmitted
between the various Trading Roles. Where possible, the number of
round-trip delays in an IOTP Transaction is minimised by packing the
Components from several Trading Exchanges into combination IOTP
Messages. For example, the IOTP Purchase transaction combines a
Delivery Organisation Component with an Offer Response Component in
order to avoid an extra Consumer request and response.
Each of the IOTP Trading Exchanges is described in more detail below.
For clarity of description, these describe the Trading Exchanges as
though they were standalone operations. For performance reasons, the
Trading Exchanges are intermingled in the actual IOTP Transaction
definitions.
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2.2.1 Offer Exchange
The goal of the Offer Exchange is for the Merchant to provide the
Consumer with information about the trade so that the Consumer can
decide whether to continue with the trade. This is illustrated in the
figure below.
*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
Consumer
| Merchant
STEP | |
1. Consumer decides to trade and sends information about the
transaction (requests an offer) to the Merchant e.g.,
using HTML.
C --> M Data: Information on what is being purchased (Offer Request)
- outside scope of IOTP
2. Merchant checks the information provided by the Consumer,
creates an Offer optionally signs it and sends it to the
Consumer.
C <-- M OFFER RESPONSE. Components: Status; Organisation(s)
(Consumer, DelivTo, Merchant, Payment Handler, Customer
Care); Order; Payment; Delivery; TradingRoleData (optional)
Offer Response Signature (optional) that signs other
components
3. Consumer checks the information from the Merchant and
decides whether to continue.
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 2 Offer Exchange
An Offer Exchange uses the following Trading Components that are
passed between the Consumer and the Merchant:
o the Status component is used to indicate to other parties that a
valid Offer Response has been generated
o the Organisation Component contains information which describes
the Organisations which are taking a role in the trade:
- the consumer provides information, about who the consumer is
and, if goods or services are being delivered, where the goods
or services are to be delivered to
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- the merchant augments this information by providing information
about the merchant, the Payment Handler, the customer care
provider and, if goods or services are being delivered, the
Delivery Handler
o the Order Component contains descriptions of the goods or services
which will result from the trade if the consumer agrees to the
offer. This information is sent by the Merchant to the consumer
who should verify it
o the Payment Component generated by the Merchant, contains details
of how much to pay, the currency and the payment direction, for
example the consumer could be asking for a refund. Note that there
may be more than one payment in a trade
o the Delivery Component, also generated by the Merchant, is used if
goods or services are being delivered. This contains information
about how delivery will occur, for example by post or using e-mail
o the Trading Role Data component contains data the Merchant wants
to forward to another Trading Role such as a Payment Handler or
Delivery Handler
o the "Offer Response" Signature Component, if present, digitally
signs all of the above components to ensure their integrity.
The exact content of the information provided by the Merchant to the
Consumer will vary depending on the type of IOTP Transaction. For
example:
o low value purchases may not need a signature
o the amount to be paid may vary depending on the payment brand and
payment protocol used
o some offers may not involve the delivery of any goods
o a value exchange will involve two payments
o a merchant may not offer customer care.
Information provided by the consumer to the merchant is provided
using a variety of methods, for example, it could be provided:
o using [HTML] pages as part of the "shopping experience" of the
consumer.
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o Using the Open Profiling Standard [OPS] which has recently been
proposed,
o in the form of Organisation Components associated with an
authentication of a Consumer by a Merchant
o as Order Components in a later version of IOTP.
2.2.2 Payment Exchange
The goal of the Payment Exchange is for a payment to be made from the
Consumer to a Payment Handler or vice versa using a payment brand and
payment protocol selected by the Consumer. A secondary goal is to
optionally provide the Consumer with a digitally signed Payment
Receipt which can be used to link the payment to the reason for the
payment as described in the Offer Exchange.
Payment Exchanges can work in a variety of ways. The most general
case where the trade is dependent on the payment brand and protocol
used is illustrated in the diagram below. Simpler payment exchanges
are possible.
*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
Consumer Pay Handler
| Merchant |
STEP | | |
1. Consumer decides to trade and sends information
about the transaction (requests an offer) to the
Merchant e.g., using HTML.
C --> M Information on what is being paid for (outside
scope of IOTP
2. Merchant decides which payment brand, payment
protocols and currencies/amounts to offer,
places then in a Brand List Component and sends
them to the Consumer
C <-- M Components: Brand List
3. Consumer selects the payment brand, protocol and
currency/amount to use, creates a Brand Selection
component and sends it to the Merchant
C --> M Component: Brand List Selection
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4. Merchant checks Brand Selection, creates a Payment
Amount information, optionally signs it to
authorise payment and sends it to the Consumer
C <-- M Component: Payment; Organisation(s) (Merchant and
Payment Handler); Optional Offer Response Signature
that signs other components
5. Consumer checks the Payment Amount information and
if OK requests that the payment starts by sending
information to the Payment Handler
C --------> P PAYMENT REQUEST. Components: Status, Payment;
Organisations (Merchant and Payment Handler);
Trading Role Data (optional); Optional Offer
Response Signature that signs other components;
Pay Scheme Data
6. Payment Handler checks information including
optional signature and if OK starts exchanging Pay
Scheme Data components for selected payment brand
and payment protocol
C <-------> P PAYMENT EXCHANGE. Component: Pay Scheme Data
7. Eventually payment protocol messages finish so
Payment Handler sends Pay Receipt and optional
signature to the Consumer as proof of payment
C <-------> P PAYMENT RESPONSE. Components: Status, Pay Receipt;
Payment Note; Trading Role Data (optional);
Optional Offer Response Signature; Optional
Payment Receipt Signature that binds the payment
to the Offer
8. Consumer checks Payment Receipt is OK
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 3 Payment Exchange
A Payment Exchange uses the following Trading Components that are
passed between the Consumer, the Merchant and the Payment Handler:
o The Brand List Component contains a list of payment brands (for
example, MasterCard, Visa, Mondex, GeldKarte), payment protocols
(for example SET Version 1.0, Secure Channel Credit Debit (SCCD -
the name used for a credit or debit card payment where
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unauthorised access to account information is prevented through
use of secure channel transport mechanisms such as SSL/TLS) as
well as currencies/amounts that apply. The Merchant sends the
Brand List to the Consumer. The consumer compares the payment
brands, protocols and currencies/amounts on offer with those that
the Consumer supports and makes a selection.
o The Brand Selection Component contains the Consumer's selection.
Payment brand, protocol, currency/amount and possibly protocol-
specific information is sent back to the Merchant. This
information may be used to change information in the Offer
Exchange. For example, a merchant could choose to offer a discount
to encourage the use of a store card.
o the Status component is used to indicate to the Payment Handler
that an earlier exchange (e.g., an Offer Exchange) has
successfully completed and by the Payment Handler to indicate the
completion status of the Payment Exchange.
o The Organisation Components are generated by the Merchant. They
contain details of the Merchant and Payment Handler Roles:
- the Merchant role is required so that the Payment Handler can
identify which Merchant initiated the payment. Typically, the
result of the Payment Handler accepting (or making) a payment
on behalf of the Merchant will be a credit or debit transaction
to the Merchant's account held by the Payment Handler. These
transactions are outside the scope of this version of IOTP
- the Payment Handler role is required so that the Payment
Handler can check that it is the correct Payment Handler to be
used for the payment
o The Payment Component contains details of how much to pay, the
currency and the payment direction
o The "Offer Response" Signature Component, if present, digitally
signs all of the above components to ensure their integrity. Note
that the Brand List and Brand Selection Components are not signed
until the payment information is created (step 4 in the diagram)
o the Trading Role Data component contains from other roles (e.g., a
Merchant) that needs to be forwarded to the Payment Handler
o The Payment Scheme Component contains messages from the payment
protocol used in the Trade. For example they could be SET
messages, Mondex messages, GeldKarte Messages or one of the other
payment methods supported by IOTP. The content of the Payment
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Scheme Component is defined in the supplements that describe how
IOTP works with various payment protocols.
o The Payment Receipt Component contains a record of the payment.
The content depends upon the payment protocol used.
o The "Payment Receipt" Signature Component provides proof of
payment by digitally signing both the Payment Receipt Component
and the Offer Response Signature. The signature on the offer
digitally signs the Order, Organisation and Delivery Components
contained in the Offer. This signature effectively binds the
payment to the offer.
The example of a Payment Exchange above is the most general case.
Simpler cases are also possible. For example, if the amount paid is
not dependent on the payment brand and protocol selected then the
payment information generated by step 3 can be sent to the Consumer
at the same time as the Brand List Component generated by step 1.
These and other variations are described in the Baseline Purchase
IOTP Transaction (see section 9.1.8).
2.2.3 Delivery Exchange
The goal of the Delivery Exchange is to cause purchased goods to be
delivered to the consumer either online or via physical delivery. A
second goal is to provide a "delivery note" to the consumer,
providing details about the delivery, such as shipping tracking
number. The result of the delivery may also be signed so that it can
be used for customer care in the case of problems with physical
delivery. The message flow is illustrated in the diagram below.
*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
CONSUMER DELIVERY
| HANDLER
| Merchant |
STEP | | |
1. Consumer decides to trade and sends information
about what to deliver and who is to take delivery,
to the Merchant e.g., using HTML.
C --> M Information on what is being delivered (outside
scope of IOTP)
2. Merchant checks the information provided by the
Consumer, adds information about how the delivery
will occur, information about the Organisations
involved in the delivery and optionally sings it
and sends it to the Consumer
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C <-- M Components: Delivery; Organisations (Delivery
Handler, Deliver To); Order, Optional Offer
Response Signature
3. Consumer checks delivery information is OK,
obtains authorisation for the delivery, for
example by making a payment, and sends the
delivery information to the Delivery Handler
C --------> D DELIVERY REQUEST. Components: Status; Delivery,
Organisations: (Merchant, Delivery Handler,
DelivTo); Order, Trading Role Data (optional);
Optional Offer Response Signature, Optional
Payment Receipt Signature (from Payment Exchange)
4. Delivery Handler checks information and
authorisation. Starts or schedules delivery and
creates and then sends a delivery not tot the
Consumer which can optionally be signed.
C <-------- D DELIVERY RESPONSE. Components: Status; Delivery
Note, Trading Role Data (optional); Optional
Delivery Response Signature
5. Consumer checks delivery note is OK and accepts or
waits for delivery as described in the the Delivery
Note.
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 4 Delivery Exchange
A Delivery Exchange uses the following Trading Components that are
passed between the Consumer, the Merchant and the Delivery Handler:
o the Status component is used to indicate to the Delivery Handler
that an earlier exchange (e.g., an Offer Exchange or Payment
Exchange) has successfully completed and by the Delivery Handler
to indicate the completion status of the Delivery Exchange.
o The Organisation Component(s) contain details of the Deliver To,
Delivery Handler and Merchant Roles:
- the Deliver To role indicates where the goods or services are
to be delivered to
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- the Delivery Handler role is required so that the Delivery
Handler can check that she is the correct Delivery Handler to
do the delivery
- the Merchant role is required so that the Delivery Handler can
identify which Merchant initiated the delivery
o The Order Component, contains information about the goods or
services to be delivered
o The Delivery Component contains information about how delivery
will occur, for example by post or using e-mail.
o The "Offer Response" Signature Component, if present, digitally
signs all of the above components to ensure their integrity.
o The "Payment Receipt" Signature Component provides proof of
payment by digitally signing the Payment Receipt Component and the
Offer Signature. This is used by the Delivery Handler to check
that delivery is authorised
o The Delivery Note Component contains customer care information
related to a physical delivery, or alternatively the actual
"electronic goods". The Consumer's software does not interpret
information about a physical delivery but should have the ability
to display the information, both at the time of the delivery and
later if the Consumer selects the Trade to which this delivery
relates from a transaction list
o The "Delivery Response" Signature Component, if present, provides
proof of the results of the Delivery by digitally signing the
Delivery Note and any Offer Response or Payment Response
signatures that the Delivery Handler received.
2.2.4 Authentication Exchange
The goal of the Authentication Exchange is to allow one Organisation,
for example a financial institution, to be able to check that another
Organisation, for example a consumer, is who they appear to be.
An Authentication Exchange involves:
o an Authenticator - the Organisation which is requesting the
authentication, and
o an Authenticatee - the Organisation being authenticated.
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This is illustrated in the diagram below.
+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
Organisation 1
(Authenticatee)
| Organisation 2
| (Authenticator)
STEP | |
1. First Organisation, e.g., a Consumer, takes an action (for
example by pressing a button on an HTML page) which
requires that the Organisation is authenticated
1 --> 2 Need for Authentication (outside scope of IOTP)
2. The second Organisation generates an Authentication
Request - including challenge data, and a list of the
algorithms that may be used for the authentication -
and/or a request for the Organisation information then
sends it to the first Organisation
1 <-- 2 AUTHENTICATION REQUEST. Components: Authentication
Request, Trading Role Information Request
3. The first Organisation optionally checks any signature
associated with the Authentication Request then uses the
specified authentication algorithm to generate an
Authentication Response which is sent back to the second
Organisation together with details of any Organisation
information requested
1 --> 2 AUTHENTICATION RESPONSE. Component: Authentication
Response, Organisation(s)
4. The Authentication Response is checked against the
challenge data to check that the first Organisation is
who they appear to be and the result recorded in a Status
Component which is then sent back to the first
Organisation.
1 <-- 2 AUTHENTICATION STATUS. Component: Status
5. The first Organisation then optionally checks the results
indicated by the Status and any associated signature and
takes the appropriate action or stops.
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 5 Authentication Exchange
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An Authentication Exchange uses the following Trading Components that
are passed between the two Organisations:
o the Authentication Request Component that requests an
Authentication and indicates the authentication algorithm and
optional challenge data to be used.
o A Trading Role Information Request Component that requests
information about an Organisation, for example a ship to address.
o The Authentication Response Component which contains the challenge
response generated by the recipient of the Authentication Request
Component.
o Organisation Components that contain the result of the Trading
Role Information Request
o the Status Component which contains the results of the second
party's verification of the Authentication Response.
2.3 Scope of Baseline IOTP
This specification describes the IOTP Transactions which make up
Baseline IOTP. As described in the preface, IOTP will evolve over
time. This section defines the initial conformance criteria for
implementations that claim to "support IOTP."
The main determinant on the scope of an IOTP implementation is the
roles which the solution is designed to support. The roles within
IOTP are described in more detail in section 2.1 Trading Roles. To
summarise the roles are: Merchant, Consumer, Payment Handler,
Delivery Handler and Customer Care Provider.
Payment Handlers who can be of three types:
o those who accept a payment as part of a purchase or make a payment
as part of a refund,
o those who accept value as part of a deposit transaction, or
o those that issue value a withdrawal transaction
The following table defines, for each role, the IOTP Transactions and
Trading Blocks which must be supported for that role.
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Merchants
ECash ECash
Store Value Value Consumer Payment Delivery
Issuer Acquirer Handler Handler
TRANSACTIONS
Purchase Must Must
Merchants
ECash ECash
Store Value Value Consumer Payment Delivery
Issuer Acquirer Handler Handler
Refund Must b)
Depends
Authentication May Must May b)
Depends
Value Exchange May Must
Withdrawal Must b)
Depends
Deposit Must b)
Depends
Inquiry Must Must Must May Must Must
Ping Must Must Must May Must Must
TRADING BLOCKS
TPO Must Must Must Must
TPO Selection Must Must Must Must
Auth-Request a) a) a)
Depends Depends Depends
Auth-Reply a) a) a)
Depends Depends Depends
Offer Response Must Must Must Must
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Payment Must Must
Request
Payment Must Must
Exchange
Payment Must Must
Response
Delivery Must Must
Request
Delivery Must Must
Response
Merchants
ECash ECash
Store Value Value Consumer Payment Delivery
Issuer Acquirer Handler Handler
Inquiry Must Must Must Must Must Must
Request
Inquiry Must Must Must Must Must Must
Response
Ping Request Must Must Must Must Must Must
Ping Response Must Must Must Must Must Must
Signature Must Must Must Limited Must Must
Error Must Must Must Must Must Must
In the above table:
o "Must" means that a Trading Role must support the Transaction or
Trading Block.
o "May" means that an implementation may support the Transaction or
Trading Block at the option of the developer.
o "Depends" means implementation of the Transaction or Trading Block
depends on one of the following conditions:
- if Baseline Authentication IOTP Transaction is supported;
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- if required by a Payment Method as defined in its IOTP
Supplement document.
o "Limited" means the Trading Block must be understood and its
content manipulated but not in every respect. Specifically, on the
Signature Block, Consumers do not have to be able to validate
digital signatures.
An IOTP solution must support all the IOTP Transactions and Trading
Blocks required by at least one role (column) as described in the
above table for that solution to be described as "supporting IOTP".
3. Protocol Structure
The previous section provided an introduction which explained:
o Trading Roles which are the different roles which Organisations
can take in a trade: Consumer, Merchant, Payment Handler, Delivery
Handler and Customer Care Provider, and
o Trading Exchanges where each Trading Exchange involves the
exchange of data, between Trading Roles, in the form of a set of
Trading Components.
This section describes:
o how Trading Components are constructed into Trading Blocks and the
IOTP Messages which are physically sent in the form of [XML]
documents between the different Trading Roles,
o how IOTP Messages are exchanged between Trading Roles to create an
IOTP Transaction
o the XML definitions of an IOTP Message including a Transaction
Reference Block - an XML element which identifies an IOTP
Transaction and the IOTP Message within it
o the definitions of the XML ID Attributes which are used to
identify IOTP Messages, Trading Blocks and Trading Components and
how these are referred to using Element References from other XML
elements
o how extra XML Elements and new user defined values for existing
IOTP codes can be used when Extending IOTP,
o how IOTP uses the Packaged Content Element to embed data such as
payment protocol messages or detailed order definitions within an
IOTP Message
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o how IOTP Identifies Languages so that different languages can be
used within IOTP Messages
o how IOTP handles both Secure and Insecure Net Locations when
sending messages
o how an IOTP Transaction can be cancelled.
3.1 Overview
3.1.1 IOTP Message Structure
The structure of an IOTP Message and its relationship with Trading
Blocks and Trading Components is illustrated in the diagram below.
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*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
IOTP MESSAGE <---------- IOTP Message - an XML Document which is
| transported between the Trading Roles
|-Trans Ref Block <----- Trans Ref Block - contains information which
| | describes the IOTP Transaction and the IOTP
| | Message.
| |-Trans Id Comp. <--- Transaction Id Component - uniquely
| | identifies the IOTP Transaction. The Trans Id
| | Components are the same across all IOTP
| | messages that comprise a single IOTP
| | transaction.
| |-Msg Id Comp. <----- Message Id Component - identifies and
| describes an IOTP Message within an IOTP
| Transaction
|-Signature Block <----- Signature Block (optional) - contains one or
| | more Signature Components and their
| | associated Certificates
| |-Signature Comp. <-- Signature Component - contains digital
| | signatures. Signatures may sign digests of
| | the Trans Ref Block and any Trading Component
| | in any IOTP Message in the same IOTP
| | transaction.
| |-Certificate Comp. < Certificate Component (Optional) Used to check
| the signature.
|-Trading Block <------- Trading Block - an XML Element within an IOTP
| |-Trading Comp. Message that contains a predefined set of
| |-Trading Comp. Trading Components
| |-Trading Comp.
| |-Trading Comp. <--- Trading Components - XML Elements within a
| Trading Block that contain a predefined set
|-Trading Block of XML elements and attributes containing
| |-Trading Comp. information required to support a Trading
| |-Trading Comp. Exchange
| |-Trading Comp.
| |-Trading Comp.
| |-Trading Comp.
*-*-*-*-*-*--*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 6 IOTP Message Structure
The diagram also introduces the concept of a Transaction Reference
Block. This block contains, amongst other things, a globally unique
identifier for the IOTP Transaction. Also each block and component is
given an ID Attribute (see section 3.4) which is unique within an
IOTP Transaction. Therefore the combination of the ID attribute and
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the globally unique identifier in the Transaction Reference Block is
sufficient to uniquely identify any Trading Block or Trading
Component.
3.1.2 IOTP Transactions
A predefined set of IOTP Messages exchanged between the Trading Roles
constitute an IOTP Transaction. This is illustrated in the diagram
below.
*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
CONSUMER MERCHANT
Generate first
IOTP Message
--- |
| | v
Process incoming | I | -------------
IOTP Message & <------------- | | ------------ | IOTP Message |
generate next IOTP | | -------------
Message | N |
| | |
v | |
------------- | T | Process incoming
| IOTP Message | -------------- | | -----------> IOTP Message &
------------- | | generate next
| E | IOTP Message
| | |
| | v
Process incoming | R | -------------
IOTP Message <------------- | | ------------ | IOTP Message |
generate last IOTP | | -------------
Message & stop | N |
| | |
v | |
------------- | E | Process last
| IOTP Message | -------------- | | -------------> incoming IOTP
------------- | | Message & stop
| | T | |
v | | v
STOP --- STOP
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-
Figure 7 An IOTP Transaction
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In the above diagram the Internet is shown as the transport
mechanism. This is not necessarily the case. IOTP Messages can be
transported using a variety of transport mechanisms.
The IOTP Transactions (see section 9) in this version of IOTP are
specifically:
o Purchase. This supports a purchase involving an offer, a payment
and optionally a delivery
o Refund. This supports the refund of a payment as a result of,
typically, an earlier purchase
o Value Exchange. This involves two payments which result in the
exchange of value from one combination of currency and payment
method to another
o Authentication. This supports the remote authentication of one
Trading Role by another Trading Role using a variety of
authentication algorithms, and the provision of an Organisation
Information about the Trading Role that is being authenticated for
use in, for example, the creation of an offer
o Withdrawal. This supports the withdrawal of electronic cash from a
financial institution
o Deposit. This supports the deposit of electronic cash at a
financial institution
o Inquiry This supports inquiries on the status of an IOTP
transaction which is either in progress or is complete
o Ping This supports a simple query which enables one IOTP aware
application to determine whether another IOTP application running
elsewhere is working or not.
3.2 IOTP Message
As described earlier, IOTP Messages are [XML] documents which are
physically sent between the different Trading Roles that are taking
part in a trade.
The XML definition of an IOTP Message is as follows.
...
3.3 Transaction Reference Block
A Transaction Reference Block contains information which identifies
the IOTP Transaction and IOTP Message. The Transaction Reference
Block contains:
o a Transaction Id Component which globally uniquely identifies the
IOTP Transaction. The Transaction Id Components are the same
across all IOTP messages that comprise a single IOTP transaction,
o a Message Id Component which provides control information about
the IOTP Message as well as uniquely identifying the IOTP Message
within an IOTP Transaction, and
o zero or more Related To Components which link this IOTP
Transaction to either other IOTP Transactions or other events
using the identifiers of those events.
The definition of a Transaction Reference Block is as follows:
Attributes:
ID An identifier which uniquely identifies the
Transaction Reference Block within the IOTP
Transaction (see section 3.4 ID Attributes).
Content:
TransId See 3.3.1 Transaction Id Component immediately
below.
MsgId See 3.3.2 Message Id Component immediately below.
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RelatedTo See 3.3.3 Related To Component immediately below.
3.3.1 Transaction Id Component
This contains information which globally uniquely identifies the IOTP
Transaction. Its definition is as follows:
Attributes:
ID An identifier which uniquely identifies the
Transaction Id Component within the IOTP
Transaction.
Version This identifies the version of IOTP, and therefore
the structure of the IOTP Messages, which the IOTP
Transaction is using.
IotpTransId Contains data which uniquely identifies the IOTP
Transaction. It must conform to the rules for
Message Ids in [RFC 822].
IotpTransTyp This is the type of IOTP Transaction being carried
out. For Baseline IOTP it identifies a "standard"
IOTP Transaction and implies the sequence and
content of the IOTP Messages exchanged between the
Trading Roles. The valid values for Baseline IOTP
are:
o BaselineAuthentication
o BaselineDeposit
o BaselinePurchase
o BaselineRefund
o BaselineWithdrawal
o BaselineValueExchange
o BaselineInquiry
o BaselinePing
Values of IotpTransType are managed under the
procedure described in section 12 IANA
Considerations which also allows user defined
values of IotpTransType to be defined.
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In later versions of IOTP, this list will be
extended to support different types of standard
IOTP Transaction. It is also likely to support the
type Dynamic which indicates that the sequence of
steps within the transaction are non-standard.
TransTimeStamp Where the system initiating the IOTP Transaction
has an internal clock, it is set to the time at
which the IOTP Transaction started in [UTC]
format.
The main purpose of this attribute is to provide
an alternative way of identifying a transaction by
specifying the time at which it started.
Some systems, for example, hand held devices may
not be able to generate a time stamp. In this
case this attribute should contain the value "NA"
for Not Available.
3.3.2 Message Id Component
The Message Id Component provides control information about the IOTP
Message as well as uniquely identifying the IOTP Message within an
IOTP Transaction. Its definition is as follows.
Attributes:
ID An identifier which uniquely identifies the
IOTP Message within the IOTP Transaction (see
section 3.4 ID Attributes). Note that if an
IOTP Message is resent then the value of this
attribute remains the same.
RespIotpMsg This contains the ID attribute of the Message
Id Component of the IOTP Message to which this
IOTP Message is a response. In this way all
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the IOTP Messages in an IOTP Transaction are
unambiguously linked together. This field is
required on every IOTP Message except the
first IOTP Message in an IOTP Transaction.
SenderTradingRoleRef The Element Reference (see section 3.5) of the
Trading Role which has generated the IOTP
message. It is used to identify the Net
Locations (see section 3.9) of the Trading
Role to which problems Technical Errors (see
section 4.1) with any of Trading Blocks should
be reported.
Xml:lang Defines the language used by attributes or
child elements within this component, unless
overridden by an xml:lang attribute on a child
element. See section 3.8 Identifying
Languages.
LangPrefList Optional list of Language codes that conform
to [XML] Language Identification. It is used
by the sender to indicate, in preference
sequence, the languages that the receiver of
the message ideally should use when generating
a response. There is no obligation on the
receiver to respond using one of the indicated
languages, but using one of the languages is
likely to provide an improved user experience.
CharSetPrefList Optional list of Character Set identifiers
that conform to [XML] Characters. It is used
by the sender to indicate, in preference
sequence, the character sets that the receiver
of the message ideally should use when
generating a response. There is no obligation
on the receiver to respond using one of the
character sets indicated, but using one of the
character sets is likely to provide an
improved user experience.
SoftwareId This contains information which identifies the
software which generated the IOTP Message. Its
purpose is to help resolve interoperability
problems that might occur as a result of
incompatibilities between messages produced by
different software. It is a single text string
in the language defined by xml:lang. It must
contain, as a minimum:
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o the name of the software manufacturer
o the name of the software
o the version of the software, and
o the build of the software
TimeStamp Where the device sending the message has an
internal clock, it is set to the time at which
the IOTP Message was created in [UTC] format.
3.3.3 Related To Component
The Related To Component links IOTP Transactions to either other IOTP
Transactions or other events using the identifiers of those events.
Its definition is as follows.
Attributes:
ID An identifier which uniquely identifies the
Related To Component within the IOTP Transaction.
xml:lang Defines the language used by attributes or child
elements within this component, unless overridden
by an xml:lang attribute on a child element. See
section 3.8 Identifying Languages.
RelationshipType Defines the type of the relationship. Valid values
are:
o IotpTransaction. in which case the Packaged
Content Element contains an IotpTransId of
another IOTP Transaction
o Reference in which case the Packaged Content
Element contains the reference of some other,
non-IOTP document.
Values of RelationshipType are controlled under
the procedures defined in section 12 IANA
Considerations which also allows user defined
values to be defined.
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Relation The Relation attribute contains a phrase in the
language defined by xml:lang which describes the
nature of the relationship between the IOTP
transaction that contains this component and
another IOTP Transaction or other event. The exact
words to be used are left to the implementers of
the IOTP software.
The purpose of the attribute is to provide the
Trading Roles involved in an IOTP Transaction with
an explanation of the nature of the relationship
between the transactions.
Care should be taken that the words used to in the
Relation attribute indicate the "direction" of the
relationship correctly. For example: one
transaction might be a refund for another earlier
transaction. In this case the transaction which is
a refund should contain in the Relation attribute
words such as "refund for" rather than "refund to"
or just "refund".
RelnKeyWords This attribute contains keywords which could be
used to help identify similar relationships, for
example all refunds. It is anticipated that
recommended keywords will be developed through
examination of actual usage. In this version of
the specification there are no specific
recommendations and the keywords used are at the
discretion of implementers.
Content:
PackagedContent The Packaged Content (see section 3.7) contains
data which identifies the related transaction. Its
format varies depending on the value of the
RelationshipType.
3.4 ID Attributes
IOTP Messages, Blocks (i.e. Transaction Reference Blocks and Trading
Blocks), Trading Components (including the Transaction Id Component
and the Signature Component) and some of their child elements are
each given an XML "ID" attribute which is used to identify an
instance of these XML elements. These identifiers are used so that
one element can be referenced by another. All these attributes are
given the attribute name ID.
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The values of each ID attribute are unique within an IOTP transaction
i.e. the set of IOTP Messages which have the same globally unique
Transaction ID Component. Also, once the ID attribute of an element
has been assigned a value it is never changed. This means that
whenever an element is copied, the value of the ID attribute remains
the same.
As a result it is possible to use these IDs to refer to and locate
the content of any IOTP Message, Block or Component from any other
IOTP Message, Block or Component in the same IOTP Transaction using
Element References (see section 3.5).
This section defines the rules for setting the values for the ID
attributes of IOTP Messages, Blocks and Components.
3.4.1 IOTP Message ID Attribute Definition
The ID attribute of the Message Id Component of an IOTP Message must
be unique within an IOTP Transaction. It's definition is as follows:
IotpMsgId_value ::= IotpMsgIdPrefix IotpMsgIdSuffix
IotpMsgIdPrefix ::= NameChar (NameChar)*
IotpMsgIdSuffix ::= Digit (Digit)*
IotpMsgIdPrefix Apart from messages which contain: an Inquiry
Request Trading Block, an Inquiry Response Trading
Block, a Ping Request Trading Block or a Ping
Response Trading Block; then the same prefix is
used for all messages sent by the Merchant or
Consumer role as follows:
o "M" - Merchant
o "C" - Consumer
For messages which contain an Inquiry Request
Trading Block or a Ping Request Trading Block, the
prefix is set to "I" for Inquiry.
For messages which contain an Inquiry Response
Trading Block or a Ping Response Trading Block,
the prefix is set to "Q".
The prefix for the other roles in a trade is
contained within the Organisation Component for
the role and are typically set by the Merchant.
The following is recommended as a guideline and
must not be relied upon:
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o "P" - First (only) Payment Handler
o "R" - Second Payment Handler
o "D" - Delivery Handler
o "C" - Deliver To
As a guideline, prefixes should be limited to one
character.
NameChar has the same definition as the [XML]
definition of NameChar.
IotpMsgIdSuffix The suffix consists of one or more digits. The
suffix must be unique within a Trading Role within
an IOTP Transaction. The following is recommended
as a guideline and must not be relied upon:
o the first IOTP Message sent by a trading role
is given the suffix "1"
o the second and subsequent IOTP Messages sent
by the same trading role are incremented by one
for each message
o no leading zeroes are included in the suffix
Put more simply the Message Id Component of the
first IOTP Message sent by a Consumer would have
an ID attribute of, "C1", the second "C2", the
third "C3" etc.
Digit has the same definition as the [XML]
definition of Digit.
3.4.2 Block and Component ID Attribute Definitions
The ID Attribute of Blocks and Components must also be unique within
an IOTP Transaction. Their definition is as follows:
BlkOrCompId_value ::= IotpMsgId_value "." IdSuffix
IdSuffix ::= Digit (Digit)*
IotpMsgId_value The ID attribute of the Message ID Component of
the IOTP Message where the Block or Component is
first used.
In IOTP, Trading Components and Trading Blocks are
copied from one IOTP Message to another. The ID
attribute does not change when an existing Trading
Block or Component is copied to another IOTP
Message.
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IdSuffix The suffix consists of one or more digits. The
suffix must be unique within the ID attribute of
the Message ID Component used to generate the ID
attribute. The following is recommended as a
guideline and must not be relied upon:
o the first Block or Component sent by a trading
role is given the suffix "1"
o the ID attributes of the second and subsequent
Blocks or Components are incremented by one for
each new Block or Component added to an IOTP
Message
o no leading zeroes are included in the suffix
Put more simply, the first new Block or Component
added to the second IOTP Message sent, for
example, by a consumer would have a an ID
attribute of "C2.1", the second "C2.2", the third
"C2.3" etc.
Digit has the same definition as the [XML]
definition of Digit.
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3.4.3 Example of use of ID Attributes
The diagram below illustrates how ID attribute values are used.
*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
1st IOTP MESSAGE 2nd IOTP MESSAGE
(e.g., from Merchant to (e.g., from Consumer to
Consumer Payment Handler)
IOTP MESSAGE IOTP MESSAGE *
|-Trans Ref Block. ID=M1.1 |-Trans Ref Block.ID=C1.1*
| |-Trans Id Comp. ID = M1.2 ------------>| |-Trans Id Comp.
| | Copy Element | | ID=M1.2
| |-Msg Id Comp. ID = M1 | |-Msg Id Comp. ID=C1 *
| |
|-Signature Block. ID=M1.8 |-Signature Block.ID=C1.5*
| |-Sig Comp. ID=M1.15 ------------------>| |-Comp. ID=M1.15
| Copy Element |
|-Trading Block. ID=M1.3 |-Trading Block.ID=C1.2 *
| |-Comp. ID=M1.4 -------------------------->|-Comp. ID=M1.4
| | Copy Element |
| |-Comp. ID=M1.5 -------------------------->|-Comp. ID=M1.5
| | Copy Element |
| |-Comp. ID=M1.6 |-Comp. ID=C1.3 *
| |-Comp. ID=M1.7 |-Comp. ID=C1.4 *
|
|-Trading Block. ID=M1.9
|-Comp. ID=M1.10 * = new elements
|-Comp. ID=M1.11
|-Comp. ID=M1.12
|-Comp. ID=M1.13
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-
Figure 8 Example use of ID attributes
3.5 Element References
A Trading Component or one of its child XML elements, may contain an
XML attribute that refers to another Block (i.e. a Transaction
Reference Block or a Trading Block) or Trading Component (including a
Transaction Id and Signature Component). These Element References are
used for many purposes, a few examples include:
o identifying an XML element whose Digest is included in a Signature
Component,
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o referring to the Payment Handler Organisation Component which is
used when making a Payment
An Element Reference always contains the value of an ID attribute of
a Block or Component.
Identifying the IOTP Message, Trading Block or Trading Component
which is referred to by an Element Reference, involves finding the
XML element which:
o belongs to the same IOTP Transaction (i.e. the Transaction Id
Components of the IOTP Messages match), and
o where the value of the ID attribute of the element matches the
value of the Element Reference.
Note: The term "match" in this specification has the same definition
as the [XML] definition of match.
An example of "matching" an Element Reference is illustrated in the
example below.
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*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
1st IOTP MESSAGE 2nd IOTP MESSAGE
(e.g., from Merchant to (e.g., from Consumer to
Consumer Payment Handler)
IOTP MESSAGE IOTP MESSAGE
|-Trans Ref Block. ID=M1.1 Trans ID |-Trans RefBlock. ID=C1.1
| |-Trans Id Comp. ID = M1.2 <-Components-|->|-TransId Comp.ID=M1.2
| | must be | |
| |-Msg Id Comp. ID = M1 Identical | |-Msg Id Comp. ID=C1
| ^ |
|-Signature Block. ID=M1.8 | |-Signature Block.ID=C1.5
| |-Sig Comp. ID=M1.15 | | |-Comp. ID=M1.15
| AND |
|-Trading Block. ID=M1.3 | |-Trading Block. ID=C1.2
| |-Comp. ID=M1.4 | |-Comp. ID=M1.4
| | v |
| |-Comp. ID=M1.5 <-------- -ID Attribute |-Comp. ID=M1.5
| | and El Ref |
| |-Comp. ID=M1.6 values must |-Comp. ID=C1.3
| | match--------|--> El Ref=M1.5
| |-Comp. ID=M1.7 |-Comp. ID=C1.4
|
|-Trading Block. ID=M1.9
|-Comp. ID=M1.10
|-Comp. ID=M1.11
|-Comp. ID=M1.12
|-Comp. ID=M1.13
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-
Figure 9 Element References
Note: Element Reference attributes are defined as "NMTOKEN" rather
than "IDREF" (see [XML]). This is because an IDREF requires that the
XML element referred to is in the same XML Document. With IOTP this
is not necessarily the case.
3.6 Extending IOTP
Baseline IOTP defines a minimum protocol which systems supporting
IOTP must be able to accept. As new versions of IOTP are developed,
additional types of IOTP Transactions will be defined. In addition to
this, Baseline and future versions of IOTP will support user
extensions to IOTP through two mechanisms:
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o extra XML elements, and
o new values for existing IOTP codes.
3.6.1 Extra XML Elements
The XML element and attribute names used within IOTP constitute an
[XML Namespace] as identified by the xmlns attribute on the
IotpMessage element. This allows IOTP to support the inclusion of
additional XML elements within IOTP messages through the use of [XML
Namespaces].
Using XML Namespaces, extra XML elements may be included at any level
within an IOTP message including:
o new Trading Blocks
o new Trading Components
o new XML elements within a Trading Component.
The following rules apply:
o any new XML element must be declared according to the rules for
[XML Namespaces]
o new XML elements which are either Trading Blocks or Trading
Components must contain an ID attributes with an attribute name of
ID.
In order to make sure that extra XML elements can be processed
properly, IOTP reserves the use of a special attribute,
IOTP:Critical, which takes the values True or False and may appear in
extra elements added to an IOTP message.
The purpose of this attribute is to allow an IOTP aware application
to determine if the IOTP transaction can safely continue.
Specifically:
o if an extra XML element has an "IOTP:Critical" attribute with a
value of "True" and an IOTP aware application does not know how to
process the element and its child elements, then the IOTP
transaction has a Technical Error (see section 4.1) and must fail.
o if an extra XML element has an "IOTP:Critical" attribute with a
value of "False" then the IOTP transaction may continue if the
IOTP aware application does not know how to process it. In this
case:
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- any extra XML elements contained within an XML element defined
within the IOTP namespace, must be included with that element
whenever the IOTP XML element is used or copied by IOTP
- the content of the extra element must be ignored except that it
must be included when it is used in the creation of a digest as
part of the generation of a signature
o if an extra XML element has no "IOTP:Critical" attribute then it
must be treated as if it had an "IOTP:Critical" attribute with a
value of "True"
o if an XML element contains an "IOTP:Critical" attribute, then the
value of that attribute is assumed to apply to all the child
elements within that element
In order to ensure that documents containing "IOTP:Critical" are
valid, it is declared as part of the DTD for the extra element as:
IOTP:Critical (True | False ) 'True'
3.6.2 Opaque Embedded Data
If IOTP is to be extended using Opaque Embedded Data then a Packaged
Content Element (see section 3.7) should be used to encapsulate the
data.
3.7 Packaged Content Element
The Packaged Content element supports the concept of an embedded data
stream, transformed to both protect it against misinterpretation by
transporting systems and to ensure XML compatibility. Examples of its
use in IOTP include:
o to encapsulate payment scheme messages, such as SET messages,
o to encapsulate a description of an order, a payment note, or a
delivery note.
In general it is used to encapsulate one or more data streams.
This data stream has three standardised attributes that allow for
identification, decoding and interpretation of the contents. Its
definition is as follows.
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Attributes:
Name Optional. Distinguishes between multiple
occurrences of Packaged Content Elements at the
same point in IOTP. For example:
snroasdfnas934k
dvdsjnl5poidsdsflkjnw45
The name attribute may be omitted, for example if
there is only one Packaged Content element.
Content This identifies what type of data is contained
within the Content of the Packaged Content
Element. The valid values for the Content
attribute are as follows:
o PCDATA. The content of the Packaged Content
Element can be treated as PCDATA with no
further processing.
o MIME. The content of the Packaged Content
Element is a complete MIME item. Processing
should include looking for MIME headers inside
the Packaged Content Element.
o MIME:mimetype. The content of the Packaged
Content Element is MIME content, with the
following header "Content-Type: mimetype".
Although it is possible to have MIME:mimetype
with the Transform attribute set to NONE, it is
far more likely to have Transform attribute set
to BASE64. Note that if Transform is NONE is
used, then the entire content must still
conform to PCDATA. Some characters will need to
be encoded either as the XML default entities,
or as numeric character entities.
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o XML. The content of the Packaged Content
Element can be treated as an XML document.
Entities and CDATA sections, or Transform set
to BASE64, must be used to ensure that the
Packaged Content Element contents are
legitimate PCDATA.
Values of the Content attribute are controlled
under the procedures defined in section 12 IANA
Considerations which also allows user defined
values to be defined.
Transform This identifies the transformation that has been
done to the data before it was placed in the
content. Valid values are:
o NONE. The PCDATA content of the Packaged
Content Element is the correct representation
of the data. Note that entity expansion must
occur first (i.e. replacement of & and
) before the data is examined. CDATA
sections may legitimately occur in a Packaged
Content Element where the Transform attribute
is set to NONE.
o BASE64. The PCDATA content of the Packaged
Content Element represents a BASE64 encoding of
the actual content.
Content:
PCDATA This is the actual data which has been embedded.
The format of the data and rules on how to decode
it are contained in the Content and the Transform
attributes
Note that any special details, especially custom attributes, must be
represented at a higher level.
3.7.1 Packaging HTML
The packaged content may contain HTML. In this case the following
conventions are followed:
o references to any documents, images or other things, such as
sounds or web pages, which can affect the recipient's
understanding of the data which is being packaged must refer to
other Packaged Elements contained within the same parent element,
e.g., an Order Description
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o if more than one Packaged Content element is included within a
parent element in order to meet the previous requirement, then the
Name attribute of the top level Packaged Content from which
references to all other Packaged Elements can be determined,
should have a value of Main
o relative references to other documents, images, etc. from one
Packaged Content element to another are realised by setting the
value of the relative reference to the Name attribute of another
Packaged Content element at the same level and within the same
parent element
o no external references that require the reference to be resolved
immediately should be used. As this could make the HTML difficult
or impossible to display completely
o [MIME] is used to encapsulate the data inside each Packaged
Element. This means that the information in the MIME header used
to identify the type of data which has been encapsulated and
therefore how it should be displayed.
If the above conventions are not followed by, for example, including
external references which must be resolved, then the recipient of the
HTML should be informed.
Note: As an implementation guideline the values of the Name
Attributes allocated to Packaged Content elements should make it
possible to extract each Packaged Content into a directory and then
display the HTML directly
3.7.2 Packaging XML
Support for XML is recommended. When XML needs to be displayed, for
example to display the content of an Order Description to a Consumer,
then implementers should follow the latest recommendations of the
World Wide Web Consortium.
Note: At the time of writing this specification, standards are under
development that specify XML style sheets that show how XML documents
should be displayed. See:
o "Extensible Stylesheet Language (XSL) Specification" at
http://www.w3.org/TR/WD-xsl, and
o "Associating stylesheets with XML documents" at
http://www.w3.org/TR/xml-stylesheet.
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Once these standards become W3C "Recommendations", then it is
anticipated that this specification will be amended if practical.
3.8 Identifying Languages
IOTP uses [XML] Language Identification to specify which languages
are used within the content and attributes of IOTP Messages.
The following principles have been used in order to determine which
XML elements contain an xml:lang Attributes:
o a mandatory xml:lang attribute is contained on every Trading
Component which contains attributes or content which may need to
be displayed or printed in a particular language
o an optional xml:lang attribute is included on child elements of
these Trading Components. In this case the value of xml:lang, if
present, overrides the value for the Trading Component.
xml:lang attributes which follow these principles are included in the
Trading Components and their child XML elements defined in section 7.
A sender of a message, typically a Consumer can indicate a preference
for a language, and a character set by specifying a list of preferred
languages/character sets in a Message Id Component (see section
3.3.2). Note that there is no obligation on the receiver of such a
message to respond using one of the listed languages/character sets
as they may not have the technology to be able to do it. It also
means that the ability to handle these lists is not a requirement for
conformance to this specification. However the ability to respond,
for example using one of the stated languages/character sets is
likely to provide a better user experience.
3.9 Secure and Insecure Net Locations
IOTP contains several "Net Locations" which identify places where,
typically, IOTP Messages may be sent. Net Locations come in two
types:
o "Secure" Net Locations which are net locations where privacy of
data is secured using, for example, encryption methods such as
[SSL/TLS], and
o "Insecure" Net Locations where privacy of data is not assured.
Note that either a Secure Net Location or an Insecure Net Location or
both must be present.
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If only one of the two Net Locations is present, then the one present
must be used.
Where both types of net location are present then either may be used
depending on the preference of the sender of the message.
3.10 Cancelled Transactions
Any Trading Role involved in an IOTP transaction may cancel that
transaction at any time.
3.10.1 Cancelling Transactions
IOTP Transactions are cancelled by sending an IOTP message containing
just a Cancel Block with an appropriate Status Component to the other
Trading Role involved in the Trading Exchange.
Note: The Cancel Block can be sent asynchronously of any other IOTP
Message. Specifically it can be sent either before sending or after
receiving an IOTP Message from the other Trading Role
If an IOTP Transaction is cancelled during a Trading Exchange (i.e.
the interval between sending a "request" block and receiving the
matching "response" block) then the Cancel Block is sent to the same
location as the next IOTP Message in the Trading Exchange would have
been sent.
If a Consumer cancels a transaction after a Trading Exchange has
completed (i.e. the "response" block for the Trading Exchange has
been received), but before the IOTP Transaction has finished then the
Consumer sends a Cancel Block with an appropriate Status Component to
the net location identified by the SenderNetLocn or
SecureSenderNetLocn contained in the Protocol Options Component (see
section 7.1) contained in the TPO Block (see section 8.1) for the
transaction. This is normally the Merchant Trading Role.
A Consumer should not send a Cancel Block after the IOTP Transaction
has completed. Cancelling a complete transaction should be treated as
a technical error.
After cancelling the IOTP Transaction, the Consumer should go to the
net location specified by the CancelNetLocn attribute contained in
the Trading Role Element for the Organisation that was sent the
Cancel Block.
A non-Consumer Trading Role should only cancel a transaction:
o after a request block has been received and
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o before the response block has been sent
If a non-Consumer Trading Role cancels a transaction at any other
time it should be treated by the recipient as an error.
3.10.2 Handling Cancelled Transactions
If a Cancel Block is received by a Consumer at a point in the IOTP
Transaction when cancellation is allowed, then the Consumer should
stop the transaction.
If a Cancel Block is received by a non-Consumer role, then the
Trading Role should anticipate that the Consumer may go to the
location specified by the CancelNetLocn attribute contained in the
Trading Role Element for the Trading Role.
4. IOTP Error Handling
IOTP is designed as a request/response protocol where each message is
composed of a number of Trading Blocks which contain a number of
Trading Components. There are several interrelated considerations in
handling errors, re-transmissions, duplicates, and the like. These
factors mean IOTP aware applications must manage message flows more
complex than the simple request/response model. Also a wide variety
of errors can occur in messages as well as at the transport level or
in Trading Blocks or Components.
This section describes at a high level how IOTP handles errors,
retries and idempotency. It covers:
o the different types of errors which can occur. This is divided
into:
- "technical errors" which are independent of the purpose of the
IOTP Message,
- "business errors" which indicate that there is a problem
specific to the process (e.g., payment or delivery) which is
being carried out, and
o the depth of the error which indicates whether the error is at the
transport, message or block/component level
o how the different trading roles should handle the different types
of messages which they may receive.
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4.1 Technical Errors
Technical Errors are those which are independent of the meaning of
the message. This means, they can affect any attempt at IOTP
communication. Typically they are handled in a standard fashion with
a limited number of standard options for the user. Specifically these
are:
o retrying the transmission, or
o cancelling the transaction.
When communications are operating sufficiently well, a technical
error is indicated by an Error Component (see section 7.21) in an
Error Block (see section 8.17) sent by the party which detected the
error in an IOTP message to the party which sent the erroneous
message.
If communications are too poor, a message which was sent may not
reach its destination. In this case a time-out might occur.
The Error Codes associated with Technical Errors are recorded in the
Error Component which lists all the different technical errors which
can be set.
4.2 Business Errors
Business Errors may occur when the IOTP messages are "technically"
correct. They are connected with a particular process, for example,
an offer, payment, delivery or authentication, where each process has
a different set of possible business errors.
For example, "Insufficient funds" is a reasonable payment error but
makes no sense for a delivery while "Back ordered" is a reasonable
delivery error but not meaningful for a payment. Business errors are
indicated in the Status Component (see section 7.16) of a "response
block" of the appropriate type, for example a Payment Response Block
or a Delivery Response Block. This allows whatever additional
response related information is needed to accompany the error
indication.
Business errors must usually be presented to the user so that they
can decide what to do next. For example, if the error is insufficient
funds in a Brand Independent Offer (see section 9.1.2.2), the user
might wish to choose a different payment instrument/account of the
same brand or a different brand or payment system. Alternatively, if
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the IOTP based implementation allows it and it makes sense for that
instrument, the user might want to put more funds into the
instrument/account and try again.
4.3 Error Depth
The three levels at which IOTP errors can occur are the transport
level, the message level, and the block level. Each is described
below.
4.3.1 Transport Level
This level of error indicates a fundamental problem in the transport
mechanism over which the IOTP communication is taking place.
All transport level errors are technical errors and are indicated by
either an explicit transport level error indication, such as a "No
route to destination" error from TCP/IP, or by a time out where no
response has been received to a request.
The only reasonable automatic action when faced with transport level
errors is to retry and, after some number of automatic retries, to
inform the user.
The explicit error indications that can be received are transport
dependent and the documentation for the appropriate IOTP Transport
supplement should be consulted for errors and appropriate actions.
Appropriate time outs to use are a function of both the transport
being used and of the payment system if the request encapsulates
payment information. The transport and payment system specific
documentation should be consulted for time out and automatic retry
parameters. Frequently there is no way to directly inform the other
party of transport level errors but they should generally be logged
and if automatic recovery is unsuccessful and there is a human user,
the user should be informed.
4.3.2 Message Level
This level of error indicates a fundamental technical problem with an
entire IOTP message. For example, the XML is not "Well Formed", or
the message is too large for the receiver to handle or there are
errors in the Transaction Reference Block (see section 3.3) so it is
not possible to figure out what transaction the message relates to.
All message level errors are technical errors and are indicated by
Error Components (see section 7.21) sent to the other party. The
Error Component includes a Severity attribute which indicates whether
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the error is a Warning and may be ignored, a TransientError which
indicates that a retry may resolve the problem or a HardError in
which case the transaction must fail.
The Technical Errors (see section 7.21.2 Error Codes) that are
Message Level errors are:
o XML not well formed. The document is not well formed XML (see
[XML])
o XML not valid. The document is not valid XML (see [XML])
o block level technical errors (see section 4.3.3) on the
Transaction Reference Block (see section 3.3) and the Signature
Block only. Checks on these blocks should only be carried out if
the XML is valid
Note that checks on the Signature Block include checking, where
possible, that each Signature Component is correctly calculated. If
the Signature is incorrectly calculated then the data that should
have been covered by the signature can not be trusted and must be
treated as erroneous. A description of how to check a signature is
correctly calculated is contained in section 6.2.
4.3.3 Block Level
A Block level error indicates a problem with a block or one of its
components in an IOTP message (apart from Transaction Reference or
Signature Blocks). The message has been transported properly, the
overall message structure and the block/component(s) including the
Transaction Reference and Signature Blocks are meaningful but there
is some error related to one of the other blocks.
Block level errors can be either:
o technical errors, or
o business errors
Technical Errors are further divided into:
o Block Level Attribute and Element Checks, and
o Block and Component Consistency Checks
o Transient Technical Errors
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If a technical error occurs related to a block or component, then an
Error Component is generated for return.
4.3.3.1 Block Level Attribute and Element Checks
Block Level Attribute and Element Checks occur only within the same
block. Checks which involve cross-checking against other blocks are
covered by Block and Component Consistency Checks.
The Block Level Attribute & Element checks are:
o checking that each attribute value within each element in a block
conforms to any rules contained within this IOTP specification
o checking that the content of each element conforms to any rules
contained within this IOTP specification
o if the previous checks are OK, then checking the consistency of
attribute values and element content against other attribute
values or element content within any other components in the same
block.
4.3.3.2 Block and Component Consistency Checks
Block and Component Consistency Checks consist of:
o checking that the combination of blocks and/or components present
in the IOTP Message are consistent with the rules contained within
this IOTP specification
o checking for consistency between attributes and element content
within the blocks within the same IOTP message.
o checking for consistency between attributes and elements in blocks
in this IOTP message and blocks received in earlier IOTP messages
for the same IOTP transaction
If the block passes the "Block Level Attribute and Element Checks"
and the "Block and Component Consistency Checks" then it is processed
either by the IOTP Aware application or perhaps by some "back-end"
system such as a payment server.
4.3.3.3 Transient Technical Errors
During the processing of the Block some temporary failure may occur
that can potentially be recovered by the other trading role re-
transmitting, at some slightly later time, the original message that
they sent. In this case the other role is informed of the Transient
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Error by sending them an Error Component (see section 7.21) with the
Severity Attribute set to TransientError and the MinRetrySecs
attribute set to some value suitable for the Transport Mechanism
and/or payment protocol being used (see appropriate Transport and
payment protocol Supplements).
Note that transient technical errors can be generated by any of the
Trading Roles involved in transaction.
4.3.3.4 Block Level Business Errors
If a business error occurs in a process such as a Payment or a
Delivery, then the appropriate type of response block is returned
containing a Status Component (see section 7.16) with the
ProcessState attribute set to Failed and the CompletionCode
indicating the nature of the problem.
Some business errors may be "transient" in that the Consumer role may
be able to recover and complete the transaction in some other way.
For example if the Credit Card that a consumer provided had
insufficient funds for a purchase, then the Consumer may recover by
using a different credit card.
Recovery from "transient" business errors is dependent on the
CompletionCode. See the definition of the Status Component for what
is possible.
Note that no Error Component or Error Block is generated for business
errors.
4.4 Idempotency, Processing Sequence, and Message Flow
IOTP messages are actually a combination of blocks and components as
described in 3.1.1 IOTP Message Structure. Especially in future
extensions of IOTP, a rich variety of combinations of such blocks and
components can occur. It is important that the multiple
transmission/receipt of the "same" request for an action that will
change state does not result in that action occurring more than once.
This is called idempotency. For example, a customer paying for an
order would want to pay the full amount only once. Most network
transport mechanisms have some probability of delivering a message
more than once or not at all, perhaps requiring retransmission. On
the other hand, a request for status can reasonably be repeated and
should be processed fresh each time it is received.
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Correct implementation of IOTP can be modelled by a particular
processing order as detailed below. Any other method that is
indistinguishable in the messages sent between the parties is equally
acceptable.
4.5 Server Role Processing Sequence
"Server roles" are any Trading Role which is not the Consumer role.
They are "Server roles" since they typically receive a request which
they must service and then produce a response. However server roles
can also initiate transactions. More specifically Server Roles must
be able to:
o Initiate a transaction (see section 4.5.1). These are divided
into:
- payment related transactions and
- infrastructure transactions
o Accept and process a message received from another role (see
section 4.5.2). This includes:
- identifying if the message belongs to a transaction that has
been received before
- handling duplicate messages
- generating Transient errors if the servers that process the
input message are too busy to handle it
- processing the message if it is error free, authorised and, if
appropriate, producing a response to send back to the other
role
o Cancel a current transaction if requested (see section 4.5.3)
o Re-transmit messages if a response was expected but has not been
received in a reasonable time (see section 4.5.4).
4.5.1 Initiating Transactions
Server Roles may initiate a variety of different types of
transaction. Specifically:
o an Inquiry Transaction (see section 9.2.1)
o a Ping Transaction (see section 9.2.2)
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o an Authentication Transaction (see section 9.1.6)
o a Payment Related Transaction such as:
- a Deposit (see section 9.1.7)
- a Purchase (see section 9.1.8)
- a Refund (see section 9.1.9)
- a Withdrawal (see section 9.1.10)
- a Value Exchange (see section 9.1.11)
4.5.2 Processing Input Messages
Processing input messages involves the following:
o checking the structure and identity of the message
o checking for and handling duplicate messages
o processing non-duplicate original messages which includes:
- checking for errors, then if no errors are found
- processing the message to produce an output message if
appropriate
Each of these is discussed in more detail below.
4.5.2.1 Checking Structure and Message Identity
It is critical to check that the message is "well formed" XML and
that the transaction identifier (IotpTransId attribute on the TransId
Component) within the IOTP message can be successfully identified
since an IotpTransId will be needed to generate a response.
If the input message is not well formed then generate an Error
Component with a Severity of HardError and ErrorCode of
XmlNotWellFrmd.
If the message is well formed but the IotpTransId cannot be
identified then generate an ErrorComponent with:
o a Severity of HardError and an ErrorCode of AttMissing,
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o a PackagedContent containing "IotpTransId" - the missing
attribute.
Insert the Error Component inside an Error Block with a new
TransactionId component with a new IotpTransId and return it to the
sender of the original message.
4.5.2.2 Checking/Handling Duplicate Messages
If the input message can be identified as potentially a valid input
message then check to see if an "identical" input message has been
received before. Identical means that all blocks, components,
elements, attribute values and element content in the input message
are the same.
Note: The recommended way of checking for identical messages is to
check for equal values of their [DOM-HASH]
If an identical message has been received before then check to see if
the processing of the previous message has completed.
If processing has not completed then generate an Error Component with
a Severity of Transient Error and an Error Code of MsgBeingProc to
indicate the message is being processed and send it back to the
sender of the Input Message requesting that the original message be
resent after an appropriate period of time.
Otherwise, if processing has completed and resulted in an output
message then retrieve the last message that was sent and send it
again.
If the message is not a duplicate then it should be processed.
4.5.2.3 Processing Non-Duplicate Message
Once it's been established that the message is not a duplicate, then
it can be processed. This involves:
o checking that a server is available to handle the message,
generating a Transient Error if it is not
o checking the Transaction is Not Already in error or cancelled
o validating the input message. This includes:
- checking for message level errors
- checking for block level errors
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- checking any encapsulated data
o checking for errors in the sequence that blocks have been received
o generating error components for any errors that result
o if neither hard errors nor transient errors result, then
processing the message and generating an output message, if
required, for return to the sender of the Input Message
Note: This approach to handling of duplicate input messages means, if
absolutely "identical" messages are received then absolutely
"identical" messages are returned. This also applies to Inquiry and
Ping transactions when in reality the state of a transaction or the
processing ability of the servers may have changed. If up-to-date
status of transactions or servers is required, then an IOTP
transaction with a new value for the ID attribute of the MsgId
component must be used.
Each of the above steps is discussed below.
CHECKING A SERVER IS AVAILABLE
The process that is handling the input message should check that the
rest of the system is not so busy that a response in a reasonable
time cannot be produced.
If the server is too busy, then it should generate an Error Component
with a Severity of Transient Error and an Error Code of SystemBusy
and send it back to the sender of the Input Message requesting that
the original message be resent after an appropriate period of time.
Note: Some servers may occasionally become very busy due to
unexpected increases in workload. This approach allows short peaks in
workloads to be handled by delaying the input of messages by asking
the sender of the message to resubmit later.
CHECKING THE TRANSACTION IS NOT ALREADY IN ERROR OR CANCELLED
Check that:
o previous messages received or sent did not contain or result in
Hard Errors, and
o the Transaction has not been cancelled by either the Consumer or
the Server Trading Role
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If it has then, ignore the message. A transaction with hard errors or
that has been cancelled, cannot be restarted.
CHECK FOR MESSAGE AND BLOCK LEVEL ERRORS
If the transaction is still OK then check for message level errors.
This involves:
o checking the XML is valid
o checking that the elements, attributes and content of the
Transaction Reference Block are without error and conform to this
specification
o checking the digital signature which involves:
- checking that the Signature value is correctly calculated, and
- the hash values in the digests are correctly calculated where
the source of the hash value is available.
Checking for block level errors involves:
o checking within each block (apart from the Transaction Reference
Block) that:
- the attributes, elements and element contents are valid
- the values of the attributes, elements and element contents are
consistent within the block
o checking that the combination of blocks are valid
o checking that the values of the attribute, elements and element
contents are consistent between the blocks in the input message
and blocks in earlier messages either sent or received. This
includes checking that the presence of a block is valid for a
particular transaction type
If the message contains any encapsulated data, then if possible check
the encapsulated data for errors using additional software to check
the data where appropriate.
4.5.2.4 Check for Errors in Block Sequence
Note: For reasons of brevity, the following explanations of how to
check for errors in Block sequence, the phrase "refers to an IOTP
transaction" is interpreted as "is contained in an IOTP Message where
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the Trans Ref Block contains an IotpTransId that refers to". So, for
example, " If an Error or Cancel Block refers to an IOTP transaction
that is not recognised then ..." should be interpreted as " If an
Error or Cancel Block is contained in an IOTP Message where the Trans
Ref Block contains an IotpTransId that refers to an IOTP transaction
that is not recognised then ...
Errors in the sequence that blocks arrive depends on the block.
Blocks where checking for sequence is required are:
o Error and Cancel Blocks. If an Error or Cancel Block refers to an
IOTP transaction that is not recognised then it is a Hard Error.
Do not return an error if Error or Cancel Blocks have been
received for the IOTP Transaction before to avoid looping.
o Inquiry Request and Response Blocks. If an Inquiry Request or an
Inquiry Response Block refers to an IOTP transaction that is not
recognised then it is a Hard Error
o Authentication Request Block. If an Authentication Request Block
refers to an IOTP transaction that is recognised it is a Hard
Error
o Authentication Response Block. Check as follows:
- if an Authentication Response Block does not refer to an IOTP
transaction that is recognised it is a Hard Error, otherwise
- if the Authentication Response Block doesn't refer to an
Authentication Request that had been previously sent then it is
a Hard Error, otherwise
- if an Authentication Response for the same IOTP transaction has
been received before and the Authentication was successful then
it is a Hard Error.
o Authentication Status Block. Check as follows:
- if an Authentication Status Block does not refer to an IOTP
transaction that is recognised it is a Hard Error, otherwise
- if the Authentication Status Block doesn't refer to an
Authentication Response that had been previously sent then it
is a Hard Error, otherwise
- if an Authentication Status for the same IOTP transaction has
been received before then it is a Warning Error
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o TPO Selection Block (Merchant only). Check as follows:
- if the TPO Selection Block doesn't refer to an IOTP Transaction
that is recognised then it is a Hard Error, otherwise
- if the TPO Selection Block refers to an IOTP Transaction where
a TPO Block and Offer Response (in one message) had previously
been sent then it is a Hard Error, otherwise
- if the TPO Selection Block does not refer to an IOTP
Transaction where a TPO Block only (i.e. without an Offer
Response) had previously been sent then it is a Hard Error,
otherwise
- if a TPO Selection Block for the same TPO Block has been
received before then it is a Hard Error
o Payment Request Block (Payment Handler only). Check as follows:
- if the Payment Request Block refers to an IOTP Transaction that
is not recognised then its OK, otherwise
- if the Payment Request Block refers to IOTP Transaction that
was not for a Payment then it is a Hard Error, otherwise
- if there was a previous payment that failed with a non-
recoverable Completion Code then it is a Hard Error, otherwise
- if a previous payment is still in progress then it is a Hard
Error
o Payment Exchange Block (Payment Handler only). Check as follows:
- if the Payment Exchange Block doesn't refer to an IOTP
Transaction that is recognised then it is a Hard Error,
otherwise
- if the Payment Exchange doesn't refer to an IOTP Transaction
where a Payment Exchange had previously been sent then it a
Hard Error
o Delivery Request (Delivery Handler Only). If the Delivery Request
Block refers to an IOTP Transaction that is recognised by the
Server then it is a Hard Error
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If any Error Components have been generated then collect them into an
Error Block for sending to the sender of the Input message. Note that
Error Blocks should be sent back to the sender of the message and to
the ErrorLogNetLocn for the Trading Role of the sender if one is
specified.
Note: The above checking on the sequence of Authentication Responses
and Payment Requests supports the Consumer re-submitting a repeat
action request since the previous one failed, for example:
o because they did not know the correct response (e.g., a password)
on an authentication or,
o they were unable to pay as there were insufficient funds on a
credit card
PROCESS THE ERROR FREE INPUT MESSAGE
If the input message passes the previous checks then it can be
processed to produce an output message if required. Note that:
o Inquiry Requests on Ping Transactions should be ignored
o if the Input message contains an Error Block with a Transient
Error then wait for the required time then resend the previous
message, if a response to the earlier message has not been
received
o if the input message contains a Error Component with a HardError
or a Cancel Block then stop all further processing of the
transaction. This includes suppressing the sending of any messages
currently being generated or responding to any new non-duplicate
messages that are received
o processing of encapsulated messages (e.g., Payment Protocol
Messages) may result in additional transient errors
o a digital signature can only safely be generated once all the
blocks and components have been generated and it is known which
elements in the message need to be signed.
If an output message is generated then it should be saved so that it
can be resent as required if an identical input message is received
again. Note that output messages that contain transient errors are
not saved so that they can be processed afresh when the input message
is received again.
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4.5.3 Cancelling a Transaction
This process is used to cancel a transaction running on an IOTP
server. It is initiated by some other process as a result of an
external request from another system or server that is being run by
the same Trading Role. The processing required is as follows:
o if the IotpTransId of the transaction to be cancelled is not
recognised, or complete then fail the request, otherwise
o if the IotpTransId refers to a Ping Transaction then fail the
request, otherwise
o determine which Document Exchange to cancel and generate a Cancel
Block and send it to the other party
Note: Cancelling a transaction on an IOTP server typically arises for
a business reason. For example a merchant may have attempted
authentication several times without success and as a result decides
to cancel the transaction. Therefore the process that decides to take
this action needs to send a message from the process/server that made
the business decision to the IOTP server with the instruction that
the IOTP transaction should be cancelled.
4.5.4 Retransmitting Messages
The server should periodically check for transactions where a message
is expected in return but none has been received after a time that is
dependent on factors such as:
o the Transport Mechanism being used;
o the time required to process encapsulated messages (e.g., Payment
messages) and
o whether or not human input is required.
If no message has been received the original message should be
resent. This should occur up to a maximum number of times dependent
on the reliability of the Transport Mechanism being used.
If no response is received after the required time then the
Transaction should be "timed out". In this case, set the process
state of the transaction to Failed, and a completion code of either:
o TimedOutRcvr if the transaction can potentially recovered later,
or
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o TimedOutNoRcvr if the transaction is non-recoverable
4.6 Client Role Processing Sequence
The "Client role" in IOTP is the Consumer Trading Role.
Note: A company or Organisation that is a Merchant, for example, may
take on the Trading Role of a Consumer when making purchases or
downloading or withdrawing electronic cash.
More specifically the Consumer Role must be able to:
o Initiate a transaction (see section 4.6.1). These are divided
into:
- payment related transactions and
- infrastructure transactions
o Accept and process a message received from another role (see
section 4.6.2). This includes:
- identifying if the message belongs to a transaction that has
been received before
- handling duplicate messages
- generating Transient errors if the servers that process the
input message are too busy to handle it
- processing the message if it is error free and, if appropriate,
producing a response to send back to the other role
o Cancel a current transaction if requested, for example by the User
(see section 4.6.3)
o Re-transmit messages if a response was expected but has not been
received in a reasonable time (see section 4.6.4).
4.6.1 Initiating Transactions
The Consumer Role may initiate a number of different types of
transaction. Specifically:
o an Inquiry Transaction (see section 9.2.1)
o a Ping Transaction (see section 9.2.2)
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o an Authentication Transaction (see section 9.1.6)
4.6.2 Processing Input Messages
Processing of Input Messages for a Consumer Role is the same as for
an IOTP Server (see section 4.5.2) except in the area of checking for
Errors in Block Sequence (for an IOTP Server see section 4.5.2.4).
This is described below
Note: The description of the processing for an IOTP Server includes
consideration of multi-threading of input messages and multi-tasking
of requests. For the Consumer Role - particularly if running on a
stand-alone system such as a PC - use of multi-threading is a
decision of the implementer of the consumer role IOTP solution.
4.6.2.1 Check for Errors in Block Sequence
The handling of the following blocks is the same as for an IOTP
Server (see section 4.5.2.4) except that the Consumer Role is
substituted for IOTP Server Role:
o Error and Cancel Blocks,
o Inquiry Request and Response Blocks,
o Authentication Request, Response and Status Blocks.
For the other blocks a Consumer role might receive, the potential
errors in the sequence that blocks arrive depends on the block.
Blocks where checking for sequence is required are:
o TPO Block. Check as follows:
- if the input message also contains an Authentication Request
block and an Offer Response Block then there is a Hard Error,
otherwise
- if the input message also contains an Authentication Request
block and Authentication Status block then there is Hard Error
otherwise,
- if the input message also contains an Authentication Request
block and the IOTP Transaction is recognised by the Consumer
role's system, then there is a Hard Error, otherwise
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- if the input message also contains an Authentication Status
block and the IOTP Transaction is not recognised by the
Consumer role's system then there is a Hard Error, otherwise
- if input message also contains an Authentication Status Block
and the Authentication Status Block has not been sent after an
earlier Authentication Response message then there is a hard
error
- if input message also contains an Offer Response Block and the
IOTP Transaction is recognised by the Consumer role's system
then there is a Hard Error, otherwise
- if the TPO Block occurs on its own and the IOTP Transaction is
recognised by the Consumer role's system then there is a Hard
Error
o Offer Response Block. Check as follows:
- if the Offer Response Block is part of a Brand Independent
Offer Exchange (see section 9.1.2.2) then there is no sequence
checking as it is part of the first message received, otherwise
- if the Offer Response Block is not part of an IOTP Transaction
that is recognised by the Consumer role then there is a Hard
Error, otherwise
- if the Offer Response Block does not refer to an IOTP
transaction where a TPO Selection Block was the last message
sent then there is a Hard Error
o Payment Exchange Block. Check as follows:
- if the Payment Exchange Block doesn't refer to an IOTP
Transaction that is recognised by the Consumer role's system
then there is a Hard Error, otherwise
- if the Payment Exchange doesn't refer to an IOTP Transaction
where either a Payment Request or a Payment Exchange block was
most recently sent then there is a Hard Error
o Payment Response Block. Check as follows:
- if the Payment Response Block doesn't refer to an IOTP
Transaction that is recognised by the Consumer role's system
then there is a Hard Error, otherwise
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- if the Payment Response doesn't refer to an IOTOP Transaction
where either a Payment Request or a Payment Exchange block was
most recently sent then there is a Hard Error
o Delivery Response Block. Check as follows:
- if the Delivery Response Block doesn't refer to an IOTP
Transaction that is recognised by the Consumer role's system
then there is a Hard Error, otherwise
- If the Delivery Response doesn't refer to an IOTP Transaction
where either a Payment Request or a Payment Exchange block was
most recently sent then there is a Hard Error
4.6.3 Cancelling a Transaction
This process cancels a current transaction on an Consumer role's
system as a result of an external request from the user, or another
system or server in the Consumer's role. The processing is the same
as for an IOTP Server (see section 4.5.3).
4.6.4 Retransmitting Messages
The process of retransmitting messages is the same as for an IOTP
Server (see section 4.5.4).
5. Security Considerations
This section considers, from an IETF perspective how IOTP addresses
security. The next section (see section 6. Digital Signatures and
IOTP) describes how IOTP uses Digital Signatures when these are
needed.
This section covers:
o determining whether to use digital signatures
o data privacy, and
o payment protocol security.
5.1 Determining whether to use digital signatures
The use of digital signatures within IOTP are entirely optional. IOTP
can work successfully entirely without the use of digital signatures.
Ultimately it is up to the Merchant, or other trading role, to decide
whether IOTP Messages will include signatures, and for the Consumer
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to decide whether carrying out a transaction without signatures is an
acceptable risk. If Merchants discover that transactions without
signatures are not being accepted, then they will either:
o start using signatures,
o find a method of working which does not need signatures, or
o accept a lower volume and value of business.
A non-exhaustive list of the reasons why digital signatures might be
used follows:
o the Merchant (or other trading role) wants to demonstrate that
they can be trusted. If, for example, a merchant generates an
Offer Response Signature (see section 7.19.2) using a certificate
from a trusted third party, known to the Consumer, then the
Consumer can check the signature and certificate and so more
reasonably rely on the offer being from the actual Organisation
the Merchant claims to be. In this case signatures using
asymmetric cryptography are likely to be required
o the Merchant, or other Trading Role, want to generate a record of
the transaction that is fit for a particular purpose. For example,
with appropriate trust hierarchies, digital signatures could be
checked by the Consumer to determine:
- if it would be accepted by tax authorities as a valid record of
a transaction, or
- if some warranty, for example from a "Better Business Bureau"
orsimilar was being provided
o the Payment Handler, or Delivery Handler, needs to know that the
request is unaltered and authorised. For example, in IOTP, details
of how much to pay is sent to the Consumer in the Offer Response
and then forwarded to the Payment Handler in a Payment Request. If
the request is not signed, the Consumer could change the amount
due by, for example, removing a digit. If the Payment Handler has
no access to the original payment information in the Offer
Response, then, without signatures, the Payment Handler cannot be
sure that the data has not been altered. Similarly, if the payment
information is not digitally signed, the Payment Handler cannot be
sure who is the Merchant that is requesting the payment
o a Payment Handler or Delivery Handler wants to provide a non-
refutable record of the completion status of a Payment or
Delivery. If a Payment Response or Delivery Response is signed,
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then the Consumer can later use the record of the Payment or
Delivery to prove that it occurred. This could be used, for
example, for customer care purposes.
A non-exhaustive list of the reasons why digital signatures might not
be used follows:
o trading roles are combined therefore changes to data made by the
consumer can be detected. One of the reasons for using signatures
is so that one trading role can determine if data has been changed
by the Consumer or some other party. However if the trading roles
have access to the necessary data, then it might be possible to
compare, for example, the payment information in the Payment
Request with the payment information in the Offer Response. Access
to the data necessary could be realised by, for example, the
Merchant and Payment Handler roles being carried out by the same
Organisation on the same system, or the Merchant and Payment
Handler roles being carried out on different systems but the
systems can communicate in some way. (Note this type of
communication is outside the current scope of IOTP)
o the processing cost of the cryptography is too high. For example,
if a payment is being made of only a few cents, the cost of
carrying out all the cryptography associated with generating and
checking digital signatures might make the whole transaction
uneconomic. Co-locating trading roles, could help avoid this
problem.
5.2 Symmetric and Asymmetric Cryptography
The advantage of using symmetric keys with IOTP is that no Public Key
Infrastructure need be set up and just the Merchant, Payment Handler
and Delivery Handler need to agree on the shared secrets to use.
However the disadvantage of symmetric cryptography is that the
Consumer cannot easily check the credentials of the Merchant, Payment
Handler, etc. that they are dealing with. This is likely to reduce,
somewhat, the trust that the Consumer will have carrying out the
transaction.
However it should be noted that even if asymmetric cryptography is
being used, the Consumer does not NEED to be provided with any
digital certificates as the integrity of the transaction is
determined by, for example, the Payment Handler checking the Offer
Response Signature copied to the Payment Request.
Note that symmetric, asymmetric or both types of cryptography may be
used in a single transaction.
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5.3 Data Privacy
Privacy of information is provided by sending IOTP Messages between
the various Trading Roles using a secure channel such as [SSL/TLS].
Use of a secure channel within IOTP is optional.
5.4 Payment Protocol Security
IOTP is designed to be completely blind to the payment protocol being
used to effect a payment. From the security perspective, this means
that IOTP neither helps, nor hinders, the achievement of payment
security.
If it is necessary to consider payment security from an IOTP
perspective, then this should be included in the payment protocol
supplement which describes how IOTP supports that payment protocol.
However what IOTP is designed to do is to use digital signatures to
bind together the record, contained in a "response" message, of each
trading exchange in a transaction. For example IOTP can bind
together: an Offer, a Payment and a Delivery.
6. Digital Signatures and IOTP
IOTP can work successfully without using any digital signatures
although in an open networking environment it will be less secure -
see 5. Security Considerations for a description of the factors that
need to be considered.
However, this section describes how to use digital signatures in the
many situations when they will be needed. Topics covered are:
o an overview of how IOTP uses digital signatures
o how to check a signature is correctly calculated
o how Payment Handlers and Delivery Handlers check they can carry
out payments or deliveries on behalf of a Merchant.
6.1 How IOTP uses Digital Signatures
In general, signatures when used with IOTP:
o are always treated as IOTP Components (see section 7)
o contain digests of one or more IOTP Components or Trading Blocks,
possibly including other Signature Components, in any IOTP message
within the same IOTP Transaction
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o identify:
- which Organisation signed (originated) the signature, and
- which Organisation(s) should process the signature in order to
check that the Action the Organisation should take can occur.
Digital certificates may be associated with digital signatures if
asymmetric cryptography is being used. However if symmetric
cryptography is being used, then the digital certificate will be
replaced by some identifier of the secret key to use.
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The way in which Signatures Components digest one or more elements is
illustrated in the figure below.
*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
IOTP MESSAGE SIGNATURE COMPONENT
IOTP Message Signature Id = P1.3
|-Trans Ref Block digest TransRefBlk |-Manifest
| | ID=P1.1-----------------------------|->|-Digest of P1.1--
| |-Trans Id Comp digest TransIdComp | | |
| | ID = M1.2----------------------------|->|-Digest of M1.2--|
| |-Msg Id Comp. digest Signature | | |
| | ID = P1 -------------------|->|-Digest of M1.5--|
| | digest element | | |
|-Signatures Block | -----------------|->|-Digest of M1.7--|
| | ID=P1.2 | | digest element | | |
| |-Signature ID=P1.3 | | ---------------|->|-Digest of C1.4--|
| |-Signature ID=M1.5---- | | | | |
| |-Signature ID=P1.4 | | Points to | -RecipientInfo* |
| |-Certificate ID=M1.6<---|-|---------------|------CertRef=M1.6 |
| | | | Certs to use | Sig.ValueRef=P1.4 |
| | | | | | |
| | | | | | |
|-Trading Block. ID=P1.5 | | | v |
| |-Comp. ID=M1.7---------- | -Value* ID=P1.4: |
| | | JtvwpMdmSfMbhK<--
| |-Comp. ID=P1.6 | r1Ln3vovbMQttbBI
| | | J8pxLjoSRfe1o6k
| |-Comp. ID=C1.4------------ OGG7nTFzTi+/0<-
| |-Comp. ID=C1.5
Digital signature of Manifest element
using certificate identified by CertRef
Elements that are digested can be in any IOTP Message
within the same IOTP Transaction
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 10 Signature Digests
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Note: The classic example of one signature signing another in IOTP,
is when an Offer is first signed by a Merchant creating an "Offer
Response" signature, which is then later signed by a Payment Handler
together with a record of the payment creating a "Payment Receipt"
signature. In this way, the payment in an IOTP Transaction is bound
to the Merchant's offer.
Note that one Manifest may be associated with multiple signature
"Value" elements where each Value element contains a digital
signature over the same Manifest, perhaps using the same (or
different) signature algorithm but using a different certificate or
shared secret key. Specifically it will allow the Merchant to agree
on different shared secrets keys with their Payment Handler and
Delivery Handler.
The detailed definitions of a Signature component are contained in
section 7.19.
The remainder of this section contains:
o an example of how IOTP uses signatures
o how the OriginatorInfo and RecipientInfo elements within a
Signature Component are used to identify the Organisations
associated with the signature
o how IOTP uses signatures to prove actions complete successfully
6.1.1 IOTP Signature Example
An example of how signatures are used is illustrated in the figure
below which shows how the various components and elements in a
Baseline Purchase relate to one another. Refer to this example in the
later description of how signatures are used to check a payment or
delivery can occur (see section 6.3).
Note: A Baseline Purchase transaction has been used for illustration
purposes. The usage of the elements and attributes is the same for
all types of IOTP Transactions.
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*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
TPO SELECTION BLOCK TPO BLOCK IOTPSIGNATURE BLOCK
| (Offer Response)
Brand Selection Organisation<--- |------Signature
Component Component | | Component
| | | -Manifest
|BrandList -Trading Role | |
| Ref Element | Originator |-Orig.
v (Merchant) ------------|--Info
Brand List Ref |
>Component |
| |-Protocol ------> Organisation Recipient |-Recipient
| | Amount Elem | Component <------------------|--Info
| | | | | Refs |
| |Pay|Protocol |Action -Trading Role |
| | | Ref |OrgRef Element |
| | v | (Payment Handler) |
| -PayProtocol-- |
| Elem ->Organisation Recipient |-Recipient
| | Component <--------------------Info
| | | Refs
| | -Trading Role
| | Element
| | (Delivery Handler
|
| OFFER RESPONSE BLOCK
| |
|BrandListRef |ActionOrgRef
| |
--Payment ---Delivery
Component Component
The Manifest element in the Signature Component contains digests of:
the Trans Ref Block (not shown); the Transaction ID Component (not
shown); Organisation Components (Merchant, Payment Handler, Delivery
Handler); the Brand List Component; the Order Component, the Payment
Component the Delivery Component and the Brand Selection Component (if a
Brand Dependent Purchase).
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 11 Example use of Signatures for Baseline Purchase
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6.1.2 OriginatorInfo and RecipientInfo Elements
The OriginatorRef attribute of the OriginatorInfo element in the
Signature Component contains an Element Reference (see section 3.5)
that points to the Organisation Component of the Organisation which
generated the Signature. In this example its the Merchant.
Note that the value of the content of the Attribute element with a
Type attribute set to IOTP Signature Type must match the Trading Role
of the Organisation which signed it. If it does not, then it is an
error. Valid combinations are given in the table below.
IOTP Signature Type Valid Trading Role
OfferResponse Merchant
PaymentResponse PaymentHandler
DeliveryResponse DeliveryHandler
AuthenticationRequest any role
AuthenticationResponse any role
PingRequest any role
PingResponse any role
The RecipientRefs attribute of the RecipientInfo element in the
Signature Component contains Element References to the Organisation
Components of the Organisations that should use the signature to
verify that:
o they have a pre-existing relationship with the Organisation that
generated the signature,
o the data which is secured by the signature has not been changed,
o the data has been signed correctly, and
o the action they are required to undertake on behalf of the
Merchant is therefore authorised.
Note that if symmetric cryptography is being used then a separate
RecipientInfo and Value elements for each different set of shared
secret keys are likely within the Signature Component.
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Alternatively if asymmetric cryptography is being used then the
RecpientRefs attribute of one RecipientInfo element may refer to
multiple Organisation Components if they are all using the same
certificates.
6.1.3 Using signatures to Prove Actions Complete Successfully
Proving an action completed successfully, is achieved by signing data
on Response messages. Specifically:
o on the Offer Response, when a Merchant is making an Offer to the
Consumer which can then be sent to either:
- a Payment Handler to prove that the Merchant authorises
Payment, or
- a Delivery Handler to prove that Merchant authorises Delivery,
provided other necessary authorisations are complete (see
below)
o on the Payment Response, when a Payment Handler is generating a
Payment Receipt which can be sent to either:
- a Delivery Handler, in a Delivery Request Block to authorise
Delivery together with the Offer Response signature, or
- another Payment Handler, in a second Payment Request, to
authorise the second payment in a Value Exchange IOTP
Transaction
o Delivery Response, when a Delivery Handler is generating a
Delivery Note. This can be used to prove after the event what the
Delivery Handler said they would do
o Authentication Response. One method of authenticating another
party to a trade is to send an Authentication Request specifying
that a Digital Signature should be used for authentication
o Transaction Status Inquiry. The Inquiry Response Block may be
digitally signed to attest to the authenticity of the response
o Ping. The Ping Response may be digitally signed so that checks can
be made that the signature can be understood.
This proof of an action may, in future versions of IOTP, also be used
to prove after the event that the IOTP transaction occurred. For
example to a Customer Care Provider.
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6.2 Checking a Signature is Correctly Calculated
Checking a signature is correctly calculated is part of checking for
Message Level Errors (see section 4.3.2). It is included here so that
all signature and security related considerations are kept together.
Before a Trading Role can check a signature it must identify which of
the potentially multiple Signature elements should be checked. The
steps involved are as follows:
o check that a Signature Block is present and it contains one or
more Signature Components
o identify the Organisation Component which contains an OrgId
attribute for the Organisation which is carrying out the signature
check. If no or more than one Organisation Component is found then
it is an error
o use the ID attribute of the Organisation Component to find the
RecipientInfo element that contains a RecipientRefs attribute that
refers to that Organisation Component. Note there may be no
signatures to verify
o check the Signature Component that contains the identified
RecipientInfo element as follows:
- use the SignatureValueRef and the SignatureAlgorithmRef
attributes to identify, respectively: the Value element that
contains the signature to be checked and the Signature
Algorithm element that describes the signature algorithm to be
used to verify the Signature, then
- if the Signature Algorithm element indicates that asymmetric
cryptography is being used then use the SignatureCertRef to
identify the Certificate to be used by the signature algorithm
- if Signature Algorithm element indicates that symmetric
cryptography is being used then the content of the
RecipientInfo element is used to identify the correct shared
secret key to use
- use the specified signature algorithm to check that the Value
Element correctly signs the Manifest Element
- check that the Digest Elements in the Manifest Element are
correctly calculated where Components or Blocks referenced by
the Digest have been received by the Organisation checking the
signature.
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6.3 Checking a Payment or Delivery can occur
This section describes the processes required for a Payment Handler
or Delivery Handler to check that a payment or delivery can occur.
This may include checking signatures if this is specified by the
Merchant.
In outline the steps are:
o check that the Payment Request or Delivery Request has been sent
to the correct Organisation
o check that correct IOTP components are present in the request, and
o check that the payment or delivery is authorised
For clarity and brevity the following terms or phrases are used in
this section:
o a "Request Block" is used to refer to either a Payment Request
Block (see section 8.7) or a Delivery Request Block (see section
8.10) unless specified to the contrary
o a "Response Block" is used to refer to either a Payment Response
Block (see section 8.9) or a Delivery Response Block (see section
8.11)
o an "Action" is used to refer to an action which occurs on receipt
of a Request Block. Actions can be either a Payment or a Delivery
o an "Action Organisation", is used to refer to the Payment Handler
or Delivery Handler that carries out an Action
o a "Signer of an Action", is used to refer to the Organisations
that sign data about an Action to authorise the Action, either in
whole or in part
o a "Verifier of an Action", is used to refer to the Organisations
that verify data to determine if they are authorised to carry out
the Action
o an ActionOrgRef attribute contains Element References which can be
used to identify the "Action Organisation" that should carry out
an Action
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6.3.1 Check Request Block sent Correct Organisation
Checking the Request Block was sent to the correct Organisation
varies depending on whether the request refers to a Payment or a
Delivery.
6.3.1.1 Payment
In outline a Payment Handler checks if it can accept or make a
payment by identifying the Payment Component in the Payment Request
Block it has received, then using the ID of the Payment Component to
track through the Brand List and Brand Selection Components to
identify the Organisation selected by the Consumer and then checking
that this Organisation is itself.
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The way data is accessed to do this is illustrated in the figure
below.
*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
Start
|
v
Brand List<--------------------------+-----------Payment
Component BrandListRef | Component
| |
|-Brand<-------------------------- |
| Element BrandRef | |
| | Brand Selection
| |Protocol Component
| | AmountRefs | |
| v Protocol | |
|-Protocol Amount<---------------- |
| Element---------- AmountRef |
| | | |
| |Currency |Pay |
| | AmountRefs |Protocol |
| v |Ref |
|-Currency Amount | |
| Element<---------|----------------
| |
-PayProtocol<-----
Element---------------------->Organisation
Action Component
OrgRef |
-Trading Role
Element
(Payment Handler)
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 12 Checking a Payment Handler can carry out a Payment
The following describes the steps involved and the checks which need
to be made:
o Identify the Payment Component (see section 7.9) in the Payment
Request Block that was received.
o Identify the Brand List and Brand Selection Components for the
Payment Component. This involves:
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- identifying the Brand List Component (see section 7.7) where
the value of its ID attribute matches the BrandListRef
attribute of the Payment Component. If no or more than one
Brand List Component is found there is an error.
- identifying the Brand Selection Component (see section 7.8)
where the value of its BrandListRef attribute matches the
BrandListRef of the Payment Component. If no or more than one
matching Brand Selection Component is found there is an error.
o Identify the Brand, Protocol Amount, Pay Protocol and Currency
Amount elements within the Brand List that have been selected by
the Consumer as follows:
- the Brand Element (see section 7.7.1) selected is the element
where the value of its Id attribute matches the value of the
BrandRef attribute in the Brand Selection. If no or more than
one matching Brand Element is found then there is an error.
- the Protocol Amount Element (see section 7.7.3) selected is the
element where the value of its Id attribute matches the value
of the ProtocolAmountRef attribute in the Brand Selection
Component. If no or more than one matching Protocol Amount
Element is found there is an error
- the Pay Protocol Element (see section 7.7.5) selected is the
element where the value of its Id attribute matches the value
of the PayProtocolRef attribute in the identified Protocol
Amount Element. If no or more than one matching Pay Protocol
Element is found there is an error
- the Currency Amount Element (see section 7.7.4) selected is the
element where the value of its Id attribute matches the value
of the CurrencyAmountRef attribute in the Brand Selection
Component. If no or more than one matching Currency Amount
element is found there is an error
o Check the consistency of the references in the Brand List and
Brand Selection Components:
- check that an Element Reference exists in the
ProtocolAmountRefs attribute of the identified Brand Element
that matches the Id attribute of the identified Protocol Amount
Element. If no or more than one matching Element Reference can
be found there is an error
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- check that the CurrencyAmountRefs attribute of the identified
Protocol Amount element contains an element reference that
matches the Id attribute of the identified Currency Amount
element. If no or more than one matching Element Reference is
found there is an error.
- check the consistency of the elements in the Brand List.
Specifically, the selected Brand, Protocol Amount, Pay Protocol
and Currency Amount Elements are all child elements of the
identified Brand List Component. If they are not there is an
error.
o Check that the Payment Handler that received the Payment Request
Block is the Payment Handler selected by the Consumer. This
involves:
- identifying the Organisation Component for the Payment Handler.
This is the Organisation Component where its ID attribute
matches the ActionOrgRef attribute in the identified Pay
Protocol Element. If no or more than one matching Organisation
Component is found there is an error
- checking the Organisation Component has a Trading Role Element
with a Role attribute of PaymentHandler. If not there is an
error
- finally, if the identified Organisation Component is not the
same as the Organisation that received the Payment Request
Block, then there is an error.
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6.3.1.2 Delivery
The way data is accessed by a Delivery Handler in order to check that
it may carry out a delivery is illustrated in the figure below.
*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
Start
|
v
Delivery
Component
|
|ActionOrgRef
|
v
Organisation
Component
|
-Trading Role
Element
(Delivery Handler)
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 13 Checking a Delivery Handler can carry out a Delivery
The steps involved are as follows:
o Identify the Delivery Component in the Delivery Request Block. If
there is no or more than one matching Delivery Component there is
an error
o Use the ActionOrgRef attribute of the Delivery Component to
identify the Organisation Component of the Delivery Handler. If
there is no or more than one matching Organisation Component there
is an error
o If the Organisation Component for the Delivery Handler does not
have a Trading Role Element with a Role attribute of
DeliveryHandler there is an error
o Finally, if the Organisation that received the Delivery Request
Block does not identify the Organisation Component for the
Delivery Handler as itself, then there is an error.
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6.3.2 Check Correct Components present in Request Block
Check that the correct components are present in the Payment Request
Block (see section 8.7) or in the Delivery Request Block (see section
8.10).
If components are missing, there is an error.
6.3.3 Check an Action is Authorised
The previous steps identified the Action Organisation and that all
the necessary components are present. This step checks that the
Action Organisation is authorised to carry out the Action.
In outline the Action Organisation will identifies the Merchant,
checks that it has a pre-existing agreement with the Merchant that
allows it carry out the Action and that any constraints implied by
that agreement are being followed, then, if signatures are required,
it checks that they sign the correct data.
The steps involved are as follows:
o Identify the Merchant. This is the Organisation Component with a
Trading Role Element which has a Role attribute with a value of
Merchant. If no or more than one Trading Role Element is found,
there is an error
o Check the Action Organisation's agreements with the Merchant
allows the Action to be carried out. To do this the Action
Organisation must check that:
- the Merchant is known and a pre-existing agreement exists for
the Action Organisation to be their agent for the payment or
delivery
- they are allowed to take part in the type of IOTP transaction
that is occurring. For example a Payment Handler may have
agreed to accept payments as part of a Baseline Purchase, but
not make payments as part of a Baseline Refund
- any constraints in their agreement with the Merchant are being
followed, for example, whether or not an Offer Response
signature is required
o Check the signatures are correct. If signatures are required then
they need to be checked. This involves:
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- Identifying the correct signatures to check. This involves the
Action Organisation identifying the Signature Components that
contain references to the Action Organisation (see 6.3.1).
Depending on the IOTP Transaction being carried out (see
section 9) either one or two signatures may be identified
- checking that the Signature Components are correct. This
involves checking that Digest elements exist within the
Manifest Element that refer to the necessary Trading Components
(see section 6.3.3.1).
6.3.3.1 Check the Signatures Digests are correct
All Signature Components contained within IOTP Messages must include
Digest elements that refer to:
o the Transaction Id Component (see section 3.3.1) of the IOTP
message that contains the Signature Component. This binds the
globally unique IotpTransId to other components which make up the
IOTP Transaction
o the Transaction Reference Block (see section 3.3) of the first
IOTP Message that contained the signature. This binds the
IotpTransId with information about the IOTP Message contained
inside the Message Id Component (see section 3.3.2).
Check that each Signature Component contains Digest elements that
refer to the correct data required.
The Digest elements that need to be present depend on the Trading
Role of the Organisation which generated (signed) the signature:
o if the signer of the signature is a Merchant then:
- Digest elements must be present for all the components in the
Request Block apart from the Brand Selection Component which is
optional
o if the signer of the signature is a Payment Handler then Digest
elements must be present for:
- the Signature Component signed by the Merchant, and optionally
- one or more Signature Components signed by the previous Payment
Handler(s) in the Transaction.
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7. Trading Components
This section describes the Trading Components used within IOTP.
Trading Components are the child XML elements which occur immediately
below a Trading Block as illustrated in the diagram below.
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*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
IOTP MESSAGE <----------- IOTP Message - an XML Document
| which is transported between the
| Trading Roles
|-Trans Ref Block <----- Trans Ref Block - contains
| | information which describes the
| | IOTP Transaction and the IOTP
Message.
--------> | |-Trans Id Comp. <--- Transaction Id Component -
| | | uniquely identifies the IOTP
| | | Transaction. The Trans Id
| | | Components are the same across
| | | all IOTP messages that comprise
| | | a single IOTP transaction.
| | |-Msg Id Comp. <----- Message Id Component -
| | identifies and describes an IOTP
| | Message within an IOTP
| | Transaction
| |-Signature Block <----- Signature Block (optional) -
| | | contains one or more Signature
| | | Components and their associated
| | | Certificates
| ---> | |-Signature Comp. <-- Signature Component - contains
| | | | digital signatures. Signatures
| | | | may sign digests of the Trans Ref
| | | | Block and any Trading Component
| | | | in any IOTP Message in the same
| | | | IOTP Transaction.
| | | |-Certificate Comp. <- Certificate Component. Used to
| | | check the signature.
Trading |-Trading Block <-------- Trading Block - an XML Element
Components | |-Trading Comp. within an IOTP Message that
| | | |-Trading Comp. contains a predefined set of
| ---> | |-Trading Comp. Trading Components
| | |-Trading Comp.
| | |-Trading Comp. <----- Trading Components - XML
| | Elements within a Trading Block
| |-Trading Block that contain a predefined set of
--------> | |-Trading Comp. XML elements and attributes
| |-Trading Comp. containing information required
| |-Trading Comp. to support a Trading Exchange
| |-Trading Comp.
| |-Trading Comp.
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 14 Trading Components
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The Trading Components described in this section are listed below in
approximately the sequence they are likely to be used:
o Protocol Options Component
o Authentication Request Component
o Authentication Response Component
o Trading Role Information Request Component
o Order Component
o Organisation Component
o Brand List Component
o Brand Selection Component
o Payment Component
o Payment Scheme Component
o Payment Receipt Component
o Delivery Component
o Delivery Data Component
o Delivery Note Component
o Signature Component
o Certificate Component
o Error Component
Note that the following components are listed in other sections of
this specification:
o Transaction Id Component (see section 3.3.1)
o Message Id Component (see section 3.3.2)
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7.1 Protocol Options Component
Protocol options are options which apply to the IOTP Transaction as a
whole. Essentially it provides a short description of the entire
transaction and the net location which the Consumer role should
branch to if the IOTP Transaction is successful.
The definition of a Protocol Options Component is as follows.
Attributes:
ID An identifier which uniquely identifies the
Protocol Options Component within the IOTP
Transaction.
Xml:lang Defines the language used by attributes or child
elements within this component, unless
overridden by an xml:lang attribute on a child
element. See section 3.8 Identifying Languages.
ShortDesc This contains a short description of the IOTP
Transaction in the language defined by xml:lang.
Its purpose is to provide an explanation of what
type of IOTP Transaction is being conducted by
the parties involved.
It is used to facilitate selecting an individual
transaction from a list of similar transactions,
for example from a database of IOTP transactions
which has been stored by a Consumer, Merchant,
etc.
SenderNetLocn This contains the non secured net location of
the sender of the TPO Block in which the
Protocol Options Component is contained.
It is the net location to which the recipient of
the TPO block should send a TPO Selection Block
if required.
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The content of this attribute is dependent on
the Transport Mechanism see the Transport
Mechanism Supplement.
SecureSenderNetLocn This contains the secured net location of the
sender of the TPO Block in which the Protocol
Options Component is contained.
The content of this attribute is dependent on
the Transport Mechanism see the Transport
Mechanism Supplement.
SuccessNetLocn This contains the net location that should be
displayed after the IOTP Transaction has
successfully completed.
The content of this attribute is dependent on
the Transport Mechanism see the Transport
Mechanism Supplement.
Either SenderNetLocn, SecureSenderNetLocn or both must be present.
7.2 Authentication Request Component
This Trading Component contains parameter data that is used in an
Authentication of one Trading Role by another. Its definition is as
follows.
If required the Algorithm may use the challenge data, contained in
the Packaged Content elements within the Authentication Request
Component in its calculation. The format of the Packaged Contents are
Algorithm dependent.
Attributes:
ID An identifier which uniquely identifies the
Authentication Request Component within the IOTP
Transaction.
AuthenticationId An identifier specified by the Authenticator
which, if returned by the Organisation that
receives the Authentication Request, will enable
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the Authenticator to identify which Authentication
is being referred to.
ContentSoftwareId See section 14.Glossary
Content:
PackagedContent This contains the challenge data as one or more
Packaged Content (see section 3.7) that is to be
responded to using the Algorithm defined by the
Algorithm element.
Algorithm This contains information which describes the
Algorithm (see 7.19 Signature Components) that
must be used to generate the Authentication
Response.
The Algorithms that may be used are identified by
the Name attribute of the Algorithm element. For
valid values see section 12. IANA Considerations.
7.3 Authentication Response Component
The Authentication Response Component contains the results of an
authentication request. It uses the Algorithm contained in the
Authentication Request Component (see section 7.2) selected from the
Authentication Request Block (see section 8.4).
Depending on the Algorithm selected, the results of applying the
algorithm will either be contained in a Signature Component that
signs both the Authentication Response and potentially other data, or
in the Packaged Content elements within the Authentication Response
Component. Its definition is as follows.
Attributes:
ID An identifier which uniquely identifies the
Authentication Response Component within the
IOTP Transaction.
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AuthenticationId The Authentication identifier specified by the
Authenticator that was included in the
Authentication Request Component(see section
7.2). This will enable the Authenticator to
identify the Authentication that is being
referred to.
SelectedAlgorithmRef An Element Reference that identifies the
Algorithm element used to generate the
Authentication Response.
ContentSoftwareId See section 14.Glossary.
Content:
PackagedContent This may contain the response generated as a
result of applying the Algorithm selected from the
Authentication Request Component see section 7.2.
For example, for a payment specific scheme, it may
contain scheme-specific data. Refer to the scheme-
specific supplemental documentation for
definitions of its content.
7.4 Trading Role Information Request Component
This Trading Component contains a list of Trading Roles (see section
2.1) about which information is being requested. The result of a
Trading Role Request is a set of Organisation Components (see section
7.6) that describe each of the Trading Roles requested.
Example usage includes:
o a Merchant requesting that a Consumer provides Organisation
Components for the Consumer and DelivTo Trading Roles
o a Consumer requesting from a Merchant, information about the
Payment Handlers and Delivery Handlers that the Merchant uses.
Its definition is as follows.
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Attributes:
ID An identifier which uniquely identifies the
Trading Role Information Request Component within
the IOTP Transaction.
TradingRoleList Contains a list of one or more Trading Roles (see
the TradingRole attribute of the Trading Role
Element - section 7.6.2) for which information is
being requested.
7.5 Order Component
An Order Component contains information about an order. Its
definition is as follows.
Attributes:
ID An identifier which uniquely identifies the Order
Component within the IOTP Transaction.
xml:lang Defines the language used by attributes or child
elements within this component, unless overridden
by an xml:lang attribute on a child element. See
section 3.8 Identifying Languages.
OrderIdentifier This is a code, reference number or other
identifier which the creator of the Order may use
to identify the order. It must be unique within an
IOTP Transaction. If it is used in this way, then
it may remove the need to specify any content for
the Order element as the reference can be used to
look up the necessary information in a database.
ShortDesc A short description of the order in the language
defined by xml:lang. It is used to facilitate
selecting an individual order from a list of
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orders, for example from a database of orders
which has been stored by a Consumer, Merchant,
etc.
OkFrom The date and time in [UTC] format after which the
offer made by the Merchant lapses.
OkTo The date and time in [UTC] format before which a
Value Acquirer may accept the offer made by the
Merchant is not valid.
ApplicableLaw A phrase in the language defined by xml:lang which
describes the state or country of jurisdiction
which will apply in resolving problems or
disputes.
ContentSoftwareId See section 14.Glossary.
Content:
PackagedContent An optional description of the order information
as one or more Packaged Contents (see section
3.7).
7.5.1 Order Description Content
The Packaged Content element will normally be required, however it
may be omitted where sufficient information about the purchase can be
provided in the ShortDesc attribute. If the full Order Description
requires it several Packaged Content elements may be used.
Although the amount and currency are likely to appear in the Packaged
Content of the Order Description it is the amount and currency
contained in the payment related trading components (Brand List,
Brand Selection and Payment) that is authoritative. This means it is
important that the amount actually being paid (as contained in the
payment related trading components) is prominently displayed to the
Consumer.
For interoperability, implementations must support Plain Text, HTML
and XML as a minimum so that it can be easily displayed.
7.5.2 OkFrom and OkTo Timestamps
Note that:
o the OkFrom date may be later than the OkFrom date on the Payment
Component (see section 7.9) associated with this order, and
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o similarly, the OkTo date may be earlier that the OkTo date on the
Payment Component (see section 7.9).
Note: Disclaimer. The following information provided in this note
does not represent formal advice of any of the authors of this
specification. Readers of this specification must form their own
views and seek their own legal counsel on the usefulness and
applicability of this information.
The merchant in the context of Internet commerce with anonymous
consumers initially frames the terms of the offer on the web page,
and in order to obtain the goods or services, the consumer must
accept them.
If there is to be a time-limited offer, it is recommended that
merchants communicate this to the consumer and state in the order
description in a manner which is clear to the consumer that:
o the offer is time limited
o the OkFrom and OkTo timestamps specify the validity of the offer
o the clock, e.g., the merchant's clock, that will be used to
determine the validity of the offer
Also note that although the OkFrom and OkTo dates are likely to
appear in the Packaged Content of the Order Description it is the
dates contained in the Order Component that is authoritative. This
means it is important that the OkFrom and OkTo dates actually being
used is prominently displayed to the Consumer.
7.6 Organisation Component
The Organisation Component provides information about an individual
or an Organisation. This can be used for a variety of purposes. For
example:
o to describe the merchant who is selling the goods,
o to identify who made a purchase,
o to identify who will take delivery of goods,
o to provide a customer care contact,
o to describe who will be the Payment Handler.
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Note that the Organisation Components which must be present in an
IOTP Message are dependent on the particular transaction being
carried out. Refer to section 9. Internet Open Trading Protocol
Transactions, for more details.
Its definition is as follows.
Attributes:
ID An identifier which uniquely identifies the
Organisation Component within the IOTP
Transaction.
xml:lang Defines the language used by attributes or child
elements within this component, unless overridden
by an xml:lang attribute on a child element. See
section 3.8 Identifying Languages.
OrgId A code which identifies the Organisation described
by the Organisation Component. See 7.6.1
Organisation IDs, below.
LegalName For Organisations which are companies this is
their legal name in the language defined by
xml:lang. It is required for Organisations who
have a Trading Role other than Consumer or
DelivTo.
ShortDesc A short description of the Organisation in the
language defined by xml:lang. It is typically the
name by which the Organisation is commonly known.
For example, if the legal name was "Blue Meadows
Financial Services Inc.". Then its short name
would likely be "Blue Meadows".
It is used to facilitate selecting an individual
Organisation from a list of Organisations, for
example from a database of Organisations involved
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in IOTP Transactions which has been stored by a
consumer.
LogoNetLocn The net location which can be used to download the
logo for the Organisation.
See section 10 Retrieving Logos.
The content of this attribute must conform to
[RFC1738].
Content:
TradingRole See 7.6.2 Trading Role Element below.
ContactInfo See 7.6.3 Contact Information Element below.
PersonName See 7.6.4 Person Name below.
PostalAddress See 7.6.5 Postal Address below.
7.6.1 Organisation IDs
Organisation IDs are used by one IOTP Trading Role to identify
another. In order to avoid confusion, this means that these IDs must
be globally unique.
In principle this is achieved in the following way:
o the Organisation Id for all trading roles, apart from the Consumer
Trading Role, uses a domain name as their globally unique
identifier,
o the Organisation Id for a Consumer Trading Role is allocated by
one of the other Trading Roles in an IOTP Transaction and is made
unique by concatenating it with that other roles' Organisation Id,
o once a Consumer is allocated an Organisation Id within an IOTP
Transaction the same Organisation Id is used by all the other
trading roles in that IOTP transaction to identify that Consumer.
Specifically, the content of the Organisation ID is defined as
follows:
OrgId ::= NonConsumerOrgId | ConsumerOrgId
NonConsumerOrgId ::= DomainName
ConsumerOrgId ::= ConsumerOrgIdPrefix (namechar)+ "/" NonConsumerOrgId
ConsumerOrgIdPrefix ::= "Consumer:"
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ConsumerOrgId The Organisation ID for a Consumer consists of:
o a standard prefix to identify that the
Organisation Id is for a consumer, followed by
o one or more characters which conform to the
definition of an XML "namechar". See [XML]
specifications, followed by
o the NonConsumerOrgId for the Organisation
which allocated the ConsumerOrgId. It is
normally the Merchant role.
Use of upper and lower case is not significant.
NonConsumerOrgId If the Role is not Consumer then this contains the
Canonical Name for the non-consumer Organisation
being described by the Organisation Component. See
[DNS] optionally followed by additional
characters, if required, to make the
NonConsumerOrgId unique.
Note that a NonConsumerOrgId may not start with
the ConsumerOrgIdPrefix.
Use of upper and lower case is not significant.
Examples of Organisation Ids follow:
o newjerseybooks.com - a merchant Organisation id
o westernbank.co.uk - a Payment Handler Organisation id
o consumer:1000247ABH/newjerseybooks.com - a consumer Organisation
id allocated by a merchant
7.6.2 Trading Role Element
This identifies the Trading Role of an individual or Organisation in
the IOTP Transaction. Note, an Organisation may have more than one
Trading Role and several roles may be present in one Organisation
element. Its definition is as follows:
Attributes:
ID An identifier which uniquely identifies the
Trading Role Element within the IOTP Transaction.
TradingRole The trading role of the Organisation. Valid values
are:
o Consumer. The person or Organisation that is
acting in the role of a consumer in the IOTP
Transaction.
o Merchant. The person or Organisation that is
acting in the role of merchant in the IOTP
Transaction.
o PaymentHandler. The financial institution or
other Organisation which is a Payment Handler
for the IOTP Transaction
o DeliveryHandler. The person or Organisation
that is the delivering the goods or services
for the IOTP Transaction
o DelivTo. The person or Organisation that is
receiving the delivery of goods or services in
the IOTP Transaction
o CustCare. The Organisation and/or individual
who will provide customer care for an IOTP
Transaction.
Values of TradingRole are controlled under the
procedures defined in section 12 IANA
Considerations which also allows user defined
values to be defined.
IotpMsgIdPrefix Contains the prefix which must be used for all
IOTP Messages sent by the Trading Role in this
IOTP Transaction. The values to be used are
defined in 3.4.1 IOTP Message ID Attribute
Definition.
CancelNetLocn This contains the net location of where the
Consumer should go to if the Consumer cancels the
transaction for some reason. It can be used by the
Trading Role to provide a response which is more
tailored to the circumstances of a particular
transaction.
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This attribute:
o must not be present when TradingRole is set to
Consumer role or DelivTo,
o must be present when TradingRole is set to
Merchant, PaymentHandler or DeliveryHandler.
The content of this attribute is dependent on the
Transport Mechanism see the Transport Mechanism
Supplement.
ErrorNetLocn This contains the net location that should be
displayed by the Consumer after the Consumer has
either received or generated an Error Block
containing an Error Component with the Severity
attribute set to either:
o HardError,
o Warning but the Consumer decides to not
continue with the transaction
o TransientError and the transaction has
subsequently timed out.
See section 7.21.1 Error Processing Guidelines for
more details.
This attribute:
o must not be present when TradingRole is set to
Consumer or DelivTo,
o must be present when TradingRole is set to
Merchant, PaymentHandler or DeliveryHandler.
The content of this attribute is dependent on the
Transport Mechanism see the Transport Mechanism
Supplement.
ErrorLogNetLocn Optional. This contains the net location that
Consumers should send IOTP Messages that contain
Error Blocks with an Error Component with the
Severity attribute set to either:
o HardError,
o Warning but the Consumer decides to not
continue with the transaction
o TransientError and the transaction has
subsequently timed out.
This attribute:
o must not be present when TradingRole is set to
Consumer role,
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o must be present when TradingRole is set to
Merchant, PaymentHandler or DeliveryHandler.
The content of this attribute is dependent on the
Transport Mechanism see the Transport Mechanism
Supplement.
The ErrorLogNetLocn can be used to send error
messages to the software company or some other
Organisation responsible for fixing problems in
the software which sent the incoming message. See
section 7.21.1 Error Processing Guidelines for
more details.
7.6.3 Contact Information Element
This contains information which can be used to contact an
Organisation or an individual. All attributes are optional however at
least one item of contact information should be present. Its
definition is as follows.
Attributes:
xml:lang Defines the language used by attributes within
this element. See section 3.8 Identifying
Languages.
Tel A telephone number by which the Organisation may
be contacted. Note that this is a text field and
no validation is carried out on it.
Fax A fax number by which the Organisation may be
contacted. Note that this is a text field and no
validation is carried out on it.
Email An email address by which the Organisation may be
contacted. Note that this field should conform to
the conventions for address specifications
contained in [RFC822].
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NetLocn A location on the Internet by which information
about the Organisation may be obtained that can be
displayed using a web browser.
The content of this attribute must conform to
[RFC1738].
7.6.4 Person Name Element
This contains the name of an individual person. All fields are
optional however as a minimum either the GivenName or the FamilyName
should be present. Its definition is as follows.
Attributes:
xml:lang Defines the language used by attributes within
this element. See section 3.8 Identifying
Languages.
Title A distinctive name; personal appellation,
hereditary or not, denoting or implying office
(e.g., judge, mayor) or nobility (e.g., duke,
duchess, earl), or used in addressing or referring
to a person (e.g., Mr, Mrs, Miss)
GivenName The primary or main name by which a person is
known amongst and identified by their family,
friends and acquaintances. Otherwise known as
first name or Christian Name.
Initials The first letter of the secondary names (other
than the Given Name) by which a person is known
amongst or identified by their family, friends and
acquaintances.
FamilyName The name by which family of related individuals
are known. It is typically the part of an
individual's name which is passed on by parents to
their children.
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7.6.5 Postal Address Element
This contains an address which can be used, for example, for the
physical delivery of goods, services or letters. Its definition is as
follows.
Attributes:
xml:lang Defines the language used by attributes within
this element. See section 3.8 Identifying
Languages.
AddressLine1 The first line of a postal address. e.g., "The
Meadows"
AddressLine2 The second line of a postal address. e.g., "Sandy
Lane"
CityOrTown The city of town of the address. e.g., "Carpham"
StateOrRegion The state or region within a country where the
city or town is placed. e.g., "Surrey"
PostalCode The code known as, for example a post code or zip
code, that is typically used by Postal
Organisations to organise postal deliveries into
efficient sequences. e.g., "KT22 1AA"
Country The country for the address. e.g., "UK"
LegalLocation This identifies whether the address is the
Registered Address for the Organisation. At least
one address for the Organisation must have a value
set to True unless the Trading Role is either
Consumer or DeliverTo.
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7.7 Brand List Component
Brand List Components are contained within the Trading Protocol
Options Block (see section 8.1) of the IOTP Transaction. They
contains lists of:
o payment Brands (see also section 11.1 Brand Definitions and Brand
Selection),
o amounts to be paid in the currencies that are accepted or offered
by the Merchant,
o the payment protocols which can be used to make payments with a
Brand, and
o the net locations of the Payment Handlers which accept payment for
a payment protocol
The definition of a Brand List Component is as follows.
Attributes:
ID An identifier which uniquely identifies the Brand
List Component within the IOTP Transaction.
xml:lang Defines the language used by attributes or child
elements within this component, unless overridden
by an xml:lang attribute on a child element. See
section 3.8 Identifying Languages.
ShortDesc A text description in the language defined by
xml:Lang giving details of the purpose of the
Brand List. This information must be displayed to
the receiver of the Brand List in order to assist
with making the selection. It is of particular
benefit in allowing a Consumer to distinguish the
purpose of a Brand List when an IOTP Transaction
involves more than one payment.
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PayDirection Indicates the direction in which the payment for
which a Brand is being selected is to be made. Its
values may be:
o Debit The sender of the Payment Request Block
(e.g., the Consumer) to which this Brand List
relates will make the payment to the Payment
Handler, or
o Credit The sender of the Payment Request Block
to which this Brand List relates will receive a
payment from the Payment Handler.
Content:
Brand This describes a Brand. The sequence of the Brand
elements (see section 7.7.1) within the Brand List
does not indicate any preference. It is
recommended that software which processes this
Brand List presents Brands in a sequence which the
receiver of the Brand List prefers.
ProtocolAmount This links a particular Brand to:
o the currencies and amounts in CurrencyAmount
elements that can be used with the Brand, and
o the Payment Protocols and Payment Handlers,
which can be used with those currencies and
amounts, and a particular Brand
CurrencyAmount This contains a currency code and an amount.
PayProtocol This contains information about a Payment Protocol
and the Payment Handler which may be used with a
particular Brand.
The relationships between the elements which make up the content of
the Brand List is illustrated in the diagram below.
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*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
Brand List Component
| ProtocolAmountRefs
|-Brand Element-----------------------------
| | |
| - Protocol Brand Element-------- |
| | |
| ProtocolId| |
| | |
|-Protocol Amount Element<----------+-------
| | | |
| | | |
| |CurrencyAmountRefs |Pay |
| | |Protocol |
| v |Ref |
|-Currency Amount Element | |
| Element | |
| | |
-PayProtocolElement<------<--------
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 15 Brand List Element Relationships
Examples of complete Brand Lists are contained in section 11.2 Brand
List Examples.
7.7.1 Brand Element
A Brand Element describes a brand that can be used for making a
payment. One or more of these elements is carried in each Brand List
Component that has the PayDirection attribute set to Debit. Exactly
one Brand Element may be carried in a Brand List Component that has
the PayDirection attribute set to Credit.
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Attributes:
ID Element identifier, potentially referenced in a
Brand Selection Component contained in a later
Payment Request message and uniquely identifies
the Brand element within the IOTP Transaction.
xml:lang Defines the language used by attributes and
content of this element. See section 3.8
Identifying Languages.
BrandId This contains a unique identifier for the brand
(or promotional brand). It is used to match
against a list of Payment Instruments which the
Consumer holds to determine whether or not the
Consumer can pay using the Brand.
Values of BrandId are managed under the procedure
described in section 12 IANA Considerations.
As values of BrandId are controlled under the
procedures defined in section 12 IANA
Considerations user defined values may be
defined.
BrandName This contains the name of the brand, for example
MasterCard Credit. This is the description of the
Brand which is displayed to the consumer in the
Consumers language defined by xml:lang. For
example it might be "American Airlines Advantage
Visa". Note that this attribute is not used for
matching against the payment instruments held by
the Consumer.
BrandLogoNetLocn The net location which can be used to download
the logo for the Organisation. See section
Retrieving Logos (see section 10).
The content of this attribute must conform to
[RFC1738].
BrandNarrative This optional attribute is designed to be used by
the Merchant to indicate some special conditions
or benefit which would apply if the Consumer
selected that brand. For example "5% discount",
"free shipping and handling", "free breakage
insurance for 1 year", "double air miles apply",
etc.
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ProtocolAmountRefs Identifies the protocols and related currencies
and amounts which can be used with this Brand.
Specified as a list of ID's of Protocol Amount
Elements (see section 7.7.3) contained within the
Brand List.
ContentSoftwareId See section 14.Glossary.
Content:
ProtocolBrand Protocol Brand elements contain brand information
to be used with a specific payment protocol (see
section 7.7.2)
PackagedContent Optional Packaged Content (see section 3.7)
elements containing information about the brand
which may be used by the payment protocol. The
content of this information is defined in the
supplement for a payment protocol which describes
how the payment protocol works with IOTP.
Example Brand Elements are contained in section 11.2 Brand List
Examples.
7.7.2 Protocol Brand Element
The Protocol Brand Element contains information that is specific to
the use of a particular Protocol with a Brand. Its definition is as
follows.
Attributes:
ProtocolId This must match the value of a ProtocolId
attribute in a Pay Protocol Element (see section
7.7.5).
The values of ProtocolId should be unique within a
Brand Element otherwise there is an error.
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ProtocolBrandId This is the Payment Brand Id to be used with a
particular payment protocol. For example, SET and
EMV have their own well defined, yet different,
values for the Brand Id to be used with each
protocol.
The valid values of this attribute are defined in
the supplement for the payment protocol identified
by ProtocolId that describes how the payment
protocol works with IOTP.
Content:
PackagedContent Optional Packaged Content (see section 3.7)
elements containing information about the
protocol/brand which may be used by the payment
protocol. The content of this information is
defined in the supplement for a payment protocol
which describes how the payment protocol works
with IOTP.
7.7.3 Protocol Amount Element
The Protocol Amount element links a Brand to:
o the currencies and amounts in Currency Amount Elements (see
section 7.7.4) that can be used with the Brand, and
o the Payment Protocols and Payment Handlers defined in a Pay
Protocol Element (see section 7.7.5), which can be used with those
currencies and amounts.
Its definition is as follows:
Attributes:
ID Element identifier, potentially referenced in a
Brand element; or in a Brand Selection Component
contained in a later Payment Request message
which uniquely identifies the Protocol Amount
element within the IOTP Transaction.
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PayProtocolRef Contains an Element Reference (see section 3.5)
that refers to the Pay Protocol Element (see
section 7.7.5) that contains the Payment Protocol
and Payment Handlers that can be used with the
Brand.
CurrencyAmountRefs Contains a list of Element References (see
section 3.5) that refer to the Currency Amount
Element (see section 7.7.4) that describes the
currencies and amounts that can be used with the
Brand.
ContentSoftwareId See section 14. Glossary.
Content:
PackagedContent Optional Packaged Content (see section 3.7)
elements containing information about the protocol
amount which may be used by the payment protocol.
The content of this information is defined in the
supplement for a payment protocol which describes
how the payment protocol works with IOTP.
Examples of Protocol Amount Elements are contained in section 11.2
Brand List Examples.
7.7.4 Currency Amount Element
A Currency Amount element contains:
o a currency code (and its type), and
o an amount.
One or more of these elements is carried in each Brand List
Component. Its definition is as follows:
Attributes:
ID Element identifier, potentially referenced in a
Brand element; or in a Brand Selection Component
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contained in a later Payment Request message which
uniquely identifies the Currency Amount Element
within the IOTP Transaction.
Amount Indicates the amount to be paid in whole and
fractional units of the currency. For example
$245.35 would be expressed "245.35". Note that
values smaller than the smallest denomination are
allowed. For example one tenth of a cent would be
"0.001".
CurrCodeType Indicates the domain of the CurrCode. This
attribute is included so that the currency code
may support non-standard "currencies" such as
frequent flyer points, trading stamps, etc. Its
values may be:
o ISO4217-A (the default) indicates the currency
code is a three character alphabetic currency
code that conforms to [ISO 4217]
o IOTP indicates that values of CurrCode are
managed under the procedure described in
section 12 IANA Considerations
CurrCode A code which identifies the currency to be used in
the payment. The domain of valid currency codes is
defined by CurrCodeType
As values of CurrCodeType are managed under the
procedure described in section 12 IANA
Considerations user defined values of CurrCodeType
may be defined.
Examples of Currency Amount Elements are contained in section 11.2
Brand List Examples.
7.7.5 Pay Protocol Element
A Pay Protocol element specifies details of a Payment Protocol and
the Payment Handler that can be used with a Brand. One or more of
these elements is carried in each Brand List.
Attributes:
ID Element identifier, potentially referenced in a
Brand element; or in a Brand Selection Component
contained in a later Payment Request message which
uniquely identifies the Pay Protocol element
within the IOTP Transaction.
xml:lang Defines the language used by attributes and
content of this element. See section 3.8
Identifying Languages.
ProtocolId Consists of a protocol name and version. For
example "SETv1.0".
The values of ProtocolId are defined by the
payment scheme/method owners in the document that
describes how to encapsulate a payment protocol
within IOTP.
ProtocolName A narrative description of the payment protocol
and its version in the language identified by
xml:lang. For example "Secure Electronic
Transaction Version 1.0". Its purpose is to help
provide information on the payment protocol being
used if problems arise.
ActionOrgRef An Element Reference (see section 3.5) to the
Organisation Component for the Payment Handler for
the Payment Protocol.
PayReqNetLocn The Net Location indicating where an unsecured
Payment Request message should be sent if this
protocol choice is used.
The content of this attribute is dependent on the
Transport Mechanism (such must conform to
[RFC1738].
SecPayReqNetLocn The Net Location indicating where a secured
Payment Request message should be sent if this
protocol choice is used.
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A secured payment involves the use of a secure
channel such as [SSL/TLS] in order to communicate
with the Payment Handler.
The content of this attribute must conform to
[RFC1738]. See also See section 3.9 Secure and
Insecure Net Locations.
ContentSoftwareId See section 14. Glossary.
Content:
PackagedContent Optional Packaged Content elements (see section
3.7) containing information about the protocol
which is used by the payment protocol. The content
of this information is defined in the supplement
for a payment protocol which describes how the
payment protocol works with IOTP. An example of
its use could be to include a payment protocol
message.
Examples of Pay Protocol Elements are contained in section 11.2 Brand
List Examples.
7.8 Brand Selection Component
A Brand Selection Component identifies the choice of payment brand,
payment protocol and the Payment Handler. This element is used:
o in Payment Request messages within Baseline Purchase and Baseline
Value Exchange IOTP Transactions to identify the brand, protocol
and payment handler for a payment, or
o to, optionally, inform a merchant in a purchase of the payment
brand being used so that the offer and order details can be
amended accordingly.
In Baseline IOTP, the integrity of Brand Selection Components is not
guaranteed. However, modification of Brand Selection Components can
only cause denial of service if the payment protocol itself is secure
against message modification, duplication, and swapping attacks.
The definition of a Brand Selection Component is as follows.
Attributes:
ID An identifier which uniquely identifies the Brand
Selection Component within the IOTP Transaction.
BrandListRef The Element Reference (see section 3.5) of the
Brand List Component from which a Brand is being
selected
BrandRef The Element Reference of a Brand element within
the Brand List Component that is being selected
that is to be used in the payment.
ProtocolAmountRef The Element Reference of a Protocol Amount element
within the Brand List Component which is to be
used when making the payment.
CurrencyAmountRef The Element Reference of a Currency Amount element
within the Brand List Component which is to be
used when making the payment.
Content:
BrandSelBrandInfo, This contains any additional data that
BrandSelProtocolAmountInfo, may be required by a particular payment
BrandSelCurrencyAmountInfo brand or protocol. See sections 7.8.1,
7.8.2, and 7.8.3.
The following rules apply:
o the BrandListRef must contain the ID of a Brand List Component in
the same IOTP Transaction
o every Brand List Component in the Trading Protocol Options Block
(see section 8.1) must be referenced by one and only one Brand
Selection Component
o the BrandRef must refer to the ID of a Brand contained within the
Brand List Component referred to by BrandListRef
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o the ProtocolAmountRef must refer to one of the Element IDs listed
in the ProtocolAmountRefs attribute of the Brand element
identified by BrandRef
o the CurrencyAmountRef must refer to one of the Element IDs listed
in the CurrencyAmountRefs attribute of the Protocol Amount Element
identified by ProtocolAmountRef.
An example of a Brand Selection Component is included in 11.2 Brand
List Examples.
7.8.1 Brand Selection Brand Info Element
The Brand Selection Brand Info Element contains any additional data
that may be required by a particular payment brand. See the IOTP
payment method supplement for a description of how and when it used.
Attributes:
ContentSoftwareId See section 14. Glossary.
Content:
PackagedContent Packaged Content elements (see section 3.7) that
contain additional data that may be required by a
particular payment brand. See the payment method
supplement for IOTP for rules on how this is used.
7.8.2 Brand Selection Protocol Amount Info Element
The Brand Selection Protocol Amount Info Element contains any
additional data that is payment protocol specific that may be
required by a particular payment brand or payment protocol. See the
IOTP payment method supplement for a description of how and when it
used.
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Attributes:
ContentSoftwareId See section 14. Glossary.
Content:
PackagedContent Packaged Content elements (see section 3.7) that
may contain additional data that may be required
by a particular payment brand. See the payment
method supplement for IOTP for rules on how this
is used.
7.8.3 Brand Selection Currency Amount Info Element
The Brand Selection Currency Amount Info Element contains any
additional data that is payment brand and currency specific that may
be required by a particular payment brand. See the IOTP payment
method supplement for a description of how and when it used.
Attributes:
ContentSoftwareId See section 14. Glossary.
Content:
PackagedContent Packaged Content elements (see section 3.7) that
contain additional data relating to the payment
brand and currency. See the payment method
supplement for IOTP for rules on how this is used.
7.9 Payment Component
A Payment Component contains information used to control how a
payment is carried out. Its provides information on:
o the times within which a Payment with a Payment Handler may be
started
o a reference to the Brand List (see section 7.7) which identifies
the Brands, protocols, currencies and amounts which can be used to
make a payment
o whether or not a payment receipt will be provided
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o whether another payment precedes this payment.
Its definition is as follows.
Attributes:
ID An identifier which uniquely identifies the
Payment Component within the IOTP Transaction.
OkFrom The date and time in [UTC] format after which a
Payment Handler may accept for processing a
Payment Request Block (see section 8.7) containing
the Payment Component.
OkTo The date and time in [UTC] format before which a
Payment Handler may accept for processing a
Payment Request Block containing the Payment
Component.
BrandListRef An Element Reference (see section 3.5) of a Brand
List Component (see section 7.7) within the TPO
Trading Block for the IOTP Transaction. The Brand
List identifies the alternative ways in which the
payment can be made.
SignedPayReceipt Indicates whether or not the Payment Response
Block (see section 8.9) generated by the Payment
Handler for the payment must be digitally signed.
StartAfter Contains Element References (see section 3.5) of
other Payment Components which describe payments
which must be complete before this payment can
start. If no StartAfter attribute is present then
there are no dependencies and the payment can
start immediately
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7.10 Payment Scheme Component
A Payment Scheme Component contains payment protocol information for
a specific payment scheme which is transferred between the parties
involved in a payment for example a [SET] message. Its definition is
as follows.
Attributes:
ID An identifier which uniquely identifies the
Payment Scheme Component within the IOTP
Transaction.
PaymentRef An Element Reference (see section 3.5) to the
Payment Component (see section 7.9) to which
this Payment Scheme Component relates. It is
required unless the Payment Scheme Component is
part of an Transaction Inquiry Status
Transaction (see section 9.2.1).
ConsumerPaymentId An identifier specified by the Consumer which,
if returned by the Payment Handler in another
Payment Scheme Component or by other means, will
enable the Consumer to identify which payment is
being referred to.
PaymentHandlerPayId An identifier specified by the Payment Handler
which, if returned by the Consumer in another
Payment Scheme Component, or by other means,
will enable the Payment Handler to identify
which payment is being referred to. It is
required on every Payment Scheme Component apart
from the one contained in a Payment Request
Block.
ContentSoftwareId See section 14. Glossary.
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Content:
PackagedContent Contains payment scheme protocol information as
Packaged Content elements (see section 3.7). See
the payment scheme supplement for the definition
of its content.
Note that:
o the values of the Name attribute of each
packaged content element are defined by the
Payment Protocol Supplement
o the value of each Name must be unique within a
Payment where a Payment is defined as all
Payment Scheme or Payment Receipt Components
with the same value of the PaymentRef attribute
7.11 Payment Receipt Component
A Payment Receipt is a record of a payment which demonstrates how
much money has been paid or received. It is distinct from a purchase
receipt in that it contains no record of what was being purchased.
Typically the content of a Payment Receipt Component will contain
data which describes:
o the amount paid and its currency
o the date and time of the payment
o internal reference numbers which identify the payment to the
payment system
o potentially digital signatures generated by the payment method
which can be used to prove after the event that the payment
occurred.
If the Payment Method being used provides the facility then the
Payment Receipt Component should contain payment protocol messages,
or references to messages, which prove the payment occurred.
The precise definition of the content is Payment Method dependent.
Refer to the supplement for the payment method being used to
determine the rules that apply.
Information contained in the Payment Receipt Component should be
displayed or otherwise made available to the Consumer.
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Note: If the Payment Receipt Component contains Payment Protocol
Messages, then the Messages will need to be processed by Payment
Method software to convert it into a format which can be understood
by the Consumer
The definition of a Payment Receipt Component is as follows.
Attributes:
ID An identifier which uniquely identifies the
Payment Receipt Component within the IOTP
Transaction.
PaymentRef Contains an Element Reference (see section 3.5)
to the Payment Component (see section 7.9) to
which this payment receipt applies
PayReceiptNameRefs Optionally contains a list of the values of the
Name attributes of Packaged Content elements that
together make up the receipt. The Packaged
Content elements are contained either within:
o Payment Scheme Data components exchanged
between the Payment Handler and the Consumer
roles during the Payment, and/or
o the Payment Receipt component itself.
Note that:
o each payment scheme defines in its supplement
the Names of the Packaged Content elements
that must be listed in this attribute (if
any).
o if a Payment Scheme Component contains
Packaged Content elements with a name that
matches a name within PayReceiptNameRefs, then
those Payment Scheme Components must be
referenced by Digests in the Payment Response
signature component (if such a signature is
being used)
The client software should save all the
components referenced so that the payment receipt
can be reconstructed when required.
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ContentSoftwareId See section 14. Glossary.
Content:
PackagedContent Optionally contains payment scheme payment receipt
information as Packaged Content elements (see
section 3.7). See the payment scheme supplement
for the definition of its content.
Note that:
o the values of the Name attribute of each
packaged content element are defined by the
Payment Protocol Supplement
o the value of each Name must be unique within a
Payment where a Payment is defined as all
Payment Scheme or Payment Receipt Components,
with the same value of the PaymentRef attribute
Note that either the PayReceiptNameRefs attribute, the
PackagedContent element, or both must be present.
7.12 Payment Note Component
The Payment Note Component contains additional, non payment related,
information which the Payment Handler wants to provide to the
Consumer. For example, if a withdrawal or deposit were being made
then it could contain information on the remaining balance on the
account after the transfer was complete. The information should
duplicate information contained within the Payment Receipt Component.
Information contained in the Payment Note Component should be
displayed or otherwise made available to the Consumer. For
interoperability, the Payment Note Component should support, as a
minimum, the content types of "Plain Text", HTML and XML. Its
definition is as follows.
Attributes:
ID An identifier which uniquely identifies the
Payment Receipt Component within the IOTP
Transaction.
ContentSoftwareId See section 14. Glossary.
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Content:
PackagedContent Contains additional, non payment related,
information which the Payment Handler wants to
provide to the Consumer as one or more Packaged
Content elements (see section 3.7).
7.13 Delivery Component
The Delivery Element contains information required to deliver goods
or services. Its definition is as follows.
Attributes:
ID An identifier which uniquely identifies the
Delivery Component within the IOTP Transaction.
xml:lang Defines the language used by attributes or child
elements within this component, unless overridden
by an xml:lang attribute on a child element. See
section 3.8 Identifying Languages.
DelivExch Indicates if this IOTP Transaction includes the
messages associated with a Delivery Exchange.
Valid values are:
o True indicates it does include a Delivery
Exchange
o False indicates it does not include a
Delivery Exchange
If set to true then a DeliveryData element must
be present. If set to false it may be absent.
DelivAndPayResp Indicates if the Delivery Response Block (see
section 8.11) and the Payment Response Block (see
section 8.9 ) are combined into one IOTP Message.
Valid values are:
o True indicates both blocks will be in the
same IOTP Message, and
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o False indicates each block will be in a
different IOTP Message
DelivAndPayResp should not be true if DelivExch
is False.
In practice combining the Delivery Response Block
and Payment Response Block is only likely to be
practical if the Merchant, the Payment Handler
and the Delivery Handler are the same
Organisation since:
o the Payment Handler must have access to Order
Component information so that they know what
to deliver, and
o the Payment Handler must be able to carry out
the delivery
ActionOrgRef An Element Reference to the Organisation
Component of the Delivery Handler for this
delivery.
Content:
DeliveryData Contains details about how the delivery will be
carried out. See 7.13.1 Delivery Data Element
below.
PackagedContent Contains "user" data defined for the Merchant
which is required by the Delivery Handler as one
or more Packaged Content Elements see section 3.7.
7.13.1 Delivery Data Element
The DeliveryData element contains information about where and how
goods are to be delivered. Its definition is as follows.
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Attributes:
xml:lang Defines the language used by attributes within
this component. See section 3.8 Identifying
Languages.
OkFrom The date and time in [UTC] format after which the
Delivery Handler may accept for processing a
Delivery Request Block (see section 8.10).
OkTo The date and time in [UTC] format before which
the Delivery Handler may accept for processing a
Delivery Request Block.
DelivMethod Indicates the method by which goods or services
may be delivered. Valid values are:
o Post the goods will be delivered by post or
courier
o Web the goods will be delivered
electronically in the Delivery Note Component
o Email the goods will be delivered
electronically by e-mail
Values of DelivMethod are managed under the
procedure described in section 12 IANA
Considerations which allows user defined codes to
be defined.
DelivToRef The Element Reference (see section 3.4) of an
Organisation Component within the IOTP
Transaction which has a role of DelivTo. The
information in this block is used to determine
where delivery is to be made. It must be
compatible with DelivMethod. Specifically if the
DelivMethod is:
o Post, then the there must be a Postal Address
Element containing sufficient information for
a postal delivery,
o Web, then there are no specific requirements.
The information will be sent in a web page
back to the Consumer
o Email, then there must be Contact Information
Element with a valid e-mail address
DelivReqNetLocn This contains the Net Location to which an
unsecured Delivery Request Block (see section
8.10) which contains the Delivery Component
should be sent.
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The content of this attribute is dependent on the
Transport Mechanism and must conform to
[RFC1738].
SecDelivReqNetLocn This contains the Net Location to which a secured
Delivery Request Block (see section 8.10) which
contains the Delivery Component should be sent.
A secured delivery request involves the use of a
secure channel such as [SSL/TLS] in order to
communicate with the Payment Handler.
The content of this attribute is dependent on the
Transport Mechanism must conform to [RFC1738].
See also Section 3.9 Secure and Insecure Net
Locations.
ContentSoftwareId See section 14. Glossary.
Content:
PackagedContent Additional information about the delivery as one
or more Packaged Content elements (see section
3.7) provided to the Delivery Handler by the
merchant.
7.14 Consumer Delivery Data Component
A Consumer Delivery Data Component is used by a Consumer to specify
an identifier that can be used by the Consumer to identify the
Delivery.
Its definition is as follows:
Attributes:
ID An identifier which uniquely identifies the
Consumer Delivery Data Component within the IOTP
Transaction.
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ConsumerDeliveryId An identifier specified by the Consumer which, if
returned by the Delivery Handler will enable the
Consumer to identify which Delivery is being
referred to.
7.15 Delivery Note Component
A Delivery Note contains delivery instructions about the delivery of
goods or services or potentially the actual Delivery Information
itself. It is information which the person or Organisation receiving
the Delivery Note can use when delivery occurs.
For interoperability, the Delivery Note Component Packaged Content
should support both Plain Text, HTML and XML.
It's definition is as follows.
Attributes:
ID An identifier which uniquely identifies the
Delivery Note Component within the IOTP
Transaction.
xml:lang Defines the language used by attributes or child
elements within this component, unless
overridden by an xml:lang attribute on a child
element. See section 3.8 Identifying Languages.
DelivHandlerDelivId An optional identifier specified by the Delivery
Handler which, if returned by the Consumer in
another Delivery Component, or by other means,
will enable the Delivery Handler to identify
which Delivery is being referred to. It is
required on every Delivery Component apart from
the one contained in a Delivery Request Block.
An example use of this attribute is to contain a
delivery tracking number.
ContentSoftwareId See section 14. Glossary.
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Content:
PackagedContent Contains actual delivery note information as one
or more Packaged Content elements (see section
3.7).
Note: If the content of the Delivery Message is a Mime message then
the Delivery Note may trigger an application which causes the actual
delivery to occur.
7.16 Status Component
A Status Component contains status information about the business
success or failure (see section 4.2) of a process.
Its definition is as follows.
Attributes:
ID An identifier which uniquely identifies the Status
Component within the IOTP Transaction.
xml:lang Defines the language used by attributes within
this component. See section 3.8 Identifying
Languages.
StatusType Indicates the type of Document Exchange which the
Status is reporting on. It may be set to either
Offer, Payment, Delivery, Authentication or
Undefined.
Undefined means that the type of document exchange
could not be identified. This is caused by an
error in the initial input message of the
exchange.
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Values of StatusType are managed under the
procedure described in section 12 IANA
Considerations which also allows user defined
values of StatusType to be defined.
ElRef If the StatusType is not set to Undefined then
ElRef contains an Element Reference (see section
3.5) to the Component for which the Status is
being described. It must refer to either:
o an Order Component (see section 7.5), if the
StatusType is Offer,
o a Payment Component (see section 7.9), if the
StatusType is Payment, or
o a Delivery Component (see section 7.13), if
the StatusType is Delivery
o an Authentication Request Component (see
section 7.2) if the StatusType is
Authentication.
ProcessState Contains a State Code which indicates the current
state of the process being carried out. Valid
values for ProcessState are:
o NotYetStarted. A Request Block has been
received but the process has not yet started
o InProgress. Processing of the Request Block
has started but it is not yet complete
o CompletedOk. The processing of the Request
Block has completed successfully without any
errors
o Failed. The processing of the Request Block
has failed because of a Business Error (see
section 4.2)
o ProcessError. This value is only used when the
Status Component is being used in connection
with an Inquiry Request Trading Block (see
section 8.12). It indicates there was a
Technical Error (see section 4.1) in the
Request Block which is being processed or some
internal processing error.
Note that this code reports on the processing of a
Request Block. Further, asynchronous processing
may occur after the Response Block associated with
the Process has been sent.
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CompletionCode Indicates how the process completed. Valid values
for the CompletionCode are given below together
with the conditions when it must be present and
indications on when recovery from failures are
possible.
A CompletionCode is a maximum of 14 characters
long.
ProcessReference This optional attribute holds a reference for the
process whose status is being reported. It may
hold the following values:
o when StatusType is set to Offer, it should
contain the OrderIdentifier from the Order
Component
o when StatusType is set to Payment, it should
contain the PaymentHandlerPayId from the
Payment Scheme Data Component
o when StatusType is set to Delivery, it should
contain the DelivHandlerDelivId from the
Delivery Note Component
o when StatusType is set to Authentication, it
should contain the AuthenticationId from the
Authentication Request Component
This attribute should be absent in the Inquiry
Request message when the Consumer has not been
given such a reference number by the IOTP Service
Provider.
This attribute can be used inside an Inquiry
Response Block (see section 8.13) to give the
reference number for a transaction which has
previously been unavailable.
For example, the package tracking number might not
be assigned at the time a delivery response was
received. However, if the Consumer issues a
Baseline Transaction Status Inquiry later, the
Delivery Handler can put the package tracking
number into this attribute in the Inquiry Response
message and send it back to the Consumer.
StatusDesc An optional textual description of the current
status of the process in the language identified
by xml:lang.
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7.16.1 Offer Completion Codes
The Completion Code is only required if the ProcessState attribute is
set to Failed. The following table contains the valid values for the
CompletionCode that may be used and indicates whether or not recovery
might be possible. It is recommended that the StatusDesc attribute is
used to provide further explanation where appropriate.
Value Description
AuthError Authentication Error. The check of the
Authentication Response which was carried out has
failed.
Recovery may be possible by the Consumer re-
submitting a new Authentication Response Block with
corrected information.
ConsCancelled Consumer Cancelled. The Consumer decides to cancel
the transaction for some reason. This code is only
valid in a Status Component contained in a Cancel
Block or an Inquiry Response Block.
No recovery possible.
MerchCancelled Offer Cancelled. The Merchant declines to generate
an offer for some reason and cancels the
transaction. This code is only valid in a Status
Component contained in a Cancel Block or an Inquiry
Response Block.
No recovery possible.
Unspecified Unspecified error. There is some unknown problem or
error which does not fall into one of the other
CompletionCodes.
No recovery possible.
TimedOutRcvr Recoverable Time Out. Messages were resent but no
response received. The document exchange has
therefore "Timed Out". This code is only valid on a
Transaction Inquiry.
Recovery is possible if the last message from the
other Trading Role is received again.
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TimedOutNoRcvr Non Recoverable Time Out. Messages were resent but
no response received. The document exchange has
therefore "Timed Out". This code is only valid on a
Transaction Inquiry.
No recovery possible.
7.16.2 Payment Completion Codes
The CompletionCode is only required if the ProcessState attribute is
set to Failed. The following table contains the valid values for the
CompletionCode that may be used and indicates where recovery may be
possible. It is recommended that the StatusDesc attribute is used by
individual payment schemes to provide further explanation where
appropriate.
Value Description
BrandNotSupp Brand not supported. The payment brand is not
supported by the Payment Handler.
See below for recovery options.
CurrNotSupp Currency not supported. The currency in which the
payment is to be made is not supported by either
the Payment Instrument or the Payment Handler.
If the payment is Brand Independent, then the
Consumer may recover by selecting a different
currency, if available, or a different brand. Note
that this may involve a different Payment Handler.
ConsCancelled Consumer Cancelled. The Consumer decides to cancel
the payment for some reason. This code is only
valid in a Status Component contained in a Cancel
Block or an Inquiry Response Block.
Recovery is not possible.
PaymtCancelled Payment Cancelled. The Payment Handler declines to
complete the payment for some reason and cancels
the transaction. This code is only valid in a
Status Component contained in a Cancel Block or an
Inquiry Response Block.
See below for recovery options.
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AuthError Authentication Error. The Payment Scheme specific
authentication check which was carried out has
failed.
Recovery may be possible. See the payment scheme
supplement to determine what is allowed.
InsuffFunds Insufficient funds. There are insufficient funds
available for the payment to be made.
See below for recovery options.
InstBrandInvalid Payment Instrument not valid for Brand. A Payment
Instrument is being used which does not correspond
with the Brand selected. For example a Visa credit
card is being used when MasterCard was selected as
the Brand.
See below for recovery options.
InstNotValid Payment instrument not valid for trade. The
Payment Instrument cannot be used for the proposed
type of trade, for some reason.
See below for recovery options.
BadInstrument Bad instrument. There is a problem with the
Payment Instrument being used which means that it
is unable to be used for the payment.
See below for recovery options.
Unspecified Unspecified error. There is some unknown problem
or error which does not fall into one of the other
CompletionCodes. The StatusDesc attribute should
provide the explanation of the cause.
See below for recovery options.
TimedOutRcvr Recoverable Time Out. Messages were resent but no
response received. The document exchange has
therefore "Timed Out". This code is only valid on
a Transaction Inquiry.
Recovery is possible if the last message from the
other Trading Role is received again.
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TimedOutNoRcvr Non Recoverable Time Out. Messages were resent but
no response received. The document exchange has
therefore "Timed Out". This code is only valid on
a Transaction Inquiry.
No recovery possible.
If the Payment is Brand Independent, then recovery may be possible
for some values of the Completion Code, by the Consumer selecting
either a different payment brand or a different payment instrument
for the same brand. Note that this might involve a different Payment
Handler. The codes to which this applies are: BrandNotSupp,
PaymtCancelled, InsuffFunds, InstBrandInvalid, InstNotValid,
BadInstrument and Unspecified.
Recovery from Payments associated with Brand Dependent purchases is
only possible, if the Brand Selection component sent by the Merchant
to the Consumer does not change. In practice this means that the same
Brand, Protocol Amount and PayProtocol elements must be used. All
that can change is the Payment Instrument. Any other change will
invalidate the Merchant's Offer as a changed selection will
invalidate the Offer Response.
7.16.3 Delivery Completion Codes
The following table contains the valid values for the CompletionCode
attribute for a Delivery. It is recommended that the StatusDesc
attribute is used to provide further explanation where appropriate.
Value Description
BackOrdered Back Ordered. The goods to be delivered are on order
but they have not yet been received. Shipping will be
arranged when they are received. This is only valid
if ProcessState is CompletedOk.
Recovery is not possible.
PermNotAvail Permanently Not Available. The goods are permanently
unavailable and cannot be re-ordered. This is only
valid if ProcessState is Failed.
Recovery is not possible.
TempNotAvail Temporarily Not Available. The goods are temporarily
unavailable and may become available if they can be
ordered. This is only valid if ProcessState is
CompletedOk.
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Recovery is not possible.
ShipPending Shipping Pending. The goods are available and are
scheduled for shipping but they have not yet been
shipped. This is only valid if ProcessState is
CompletedOk.
Recovery is not possible.
Shipped Goods Shipped. The goods have been shipped.
Confirmation of delivery is awaited. This is only
valid if ProcessState is CompletedOk.
Recovery is not possible.
ShippedNoConf Shipped - No Delivery Confirmation. The goods have
been shipped but it is not possible to confirm
delivery of the goods. This is only valid if
ProcessState is CompletedOk.
Recovery is not possible.
ConsCancelled Consumer Cancelled. The Consumer decides to cancel
the delivery for some reason. This code is only valid
in a Status Component contained in a Cancel Block or
an Inquiry Response Block.
Recovery is not possible.
DelivCancelled Delivery Cancelled. The Delivery Handler declines to
complete the Delivery for some reason and cancels the
transaction. This code is only valid in a Status
Component contained in a Cancel Block or an Inquiry
Response Block.
Recovery is not possible.
Confirmed Confirmed. All goods have been delivered and
confirmation of their delivery has been received.
This is only valid if ProcessState is CompletedOk.
Recovery is not possible.
Unspecified Unspecified error. There is some unknown problem or
error which does not fall into one of the other
CompletionCodes. The StatusDesc attribute should
provide the explanation of the cause.
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Recovery is not possible.
TimedOutRcvr Recoverable Time Out. Messages were resent but no
response received. The document exchange has
therefore "Timed Out". This code is only valid on a
Transaction Inquiry.
Recovery is possible if the last message from the
other Trading Role is received again.
TimedOutNoRcvr Non Recoverable Time Out. Messages were resent but no
response received. The document exchange has
therefore "Timed Out". This code is only valid on a
Transaction Inquiry.
No recovery possible.
Note: Recovery from failed, or partially completed deliveries is not
possible. The Consumer should use the Transaction Status Inquiry
Transaction (see section 9.2.1) to determine up-to- date information
on the current state.
7.16.4 Authentication Completion Codes
The Completion Code is only required if the ProcessState attribute is
set to Failed. The following table contains the valid values for the
CompletionCode that may be used. It is recommended that the
StatusDesc attribute is used to provide further explanation where
appropriate.
Value Description
AutEeCancel Authenticatee Cancel. The Organisation being
authenticated declines to be authenticated for some
reason. This could be, for example because the
signature on an Authentication Request was invalid or
the Authenticator was not known or acceptable to the
Authenticatee.
Recovery is not possible.
AutOrCancel Authenticator Cancel. The Organisation requesting
authentication declines to validate the
Authentication Response received for some reason and
cancels the transaction.
Recovery is not possible.
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NoAuthReq Authentication Request Not Available. The
Authenticatee does not have the data that must be
provided so that they may be successfully
authenticated. For example a password may have been
forgotten, the Authenticatee has not yet become a
member, or a smart card token is not present.
Recovery is not possible
AuthFailed Authentication Failed. The Authenticator checked the
Authentication Response but the authentication failed
for some reason. For example a password may have been
incorrect.
Recovery may be possible by the Authenticatee re-
sending a revised Authentication Response with
corrected data.
TradRolesIncon Trading Roles Inconsistent. The Trading Roles
contained within the TradingRoleList attribute of the
Trading Role Information Request Component (see
section 7.4) are inconsistent with the Trading Role
which the Authenticatee is taking in the IOTP
Transaction or is able to take. Examples of
inconsistencies include:
o asking a PaymentHandler for DeliveryHandler
information
o asking a Consumer for Merchant information
Recovery may be possible by the Authenticator re-
sending a revised Authentication Request Block with
corrected information.
Unspecified Unspecified error. There is some unknown problem or
error which does not fall into one of the other
CompletionCodes.
Recovery is not possible.
TimedOutRcvr Recoverable Time Out. Messages were resent but no
response received. The document exchange has
therefore "Timed Out". This code is only valid on a
Transaction Inquiry.
Recovery is possible if the last message from the
other Trading Role is received again.
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TimedOutNoRcvr Non Recoverable Time Out. Messages were resent but no
response received. The document exchange has
therefore "Timed Out". This code is only valid on a
Transaction Inquiry.
No recovery possible.
7.16.5 Undefined Completion Codes
The Completion Code is only required if the ProcessState attribute is
set to Failed. The following table contains the valid values for the
CompletionCode that may be used. It is recommended that the
StatusDesc attribute is used to provide further explanation where
appropriate.
Value Description
InMsgHardError Input Message Hard Error. The type of Request Block
could not be identified or was inconsistent.
Therefore no single Document Exchange could be
identified. This will cause a Hard Error in the
transaction
7.16.6 Transaction Inquiry Completion Codes
The Completion Code is only required if the ProcessState attribute is
set to Failed. The following table contains the valid values for the
CompletionCode that may be used. It is recommended that the
StatusDesc attribute is used to provide further explanation where
appropriate.
Value Description
UnAuthReq Unauthorised Request. The recipient of the
Transaction Status Request declines to respond to the
request.
7.17 Trading Role Data Component
The Trading Role Data Component contains opaque data which needs to
be communicated between the Trading Roles involved in an IOTP
Transaction.
Trading Role Components identify:
o the Organisation that generated the component, and
o the Organisation that is to receive it.
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They are first generated and included in a "Response" Block, and then
copied to the appropriate "Request" Block. For example a Payment
Handler might need to inform a Delivery Handler that a credit card
payment had been authorised but not captured. There may also be other
information that the Payment Handler has generated where the format
is privately agreed with the Delivery Handler which needs to be
communicated. In another example a Merchant might need to provide a
Payment Handler with some specific information about a Consumer so
that consumer can acquire double loyalty points with the payment.
Its definition is as follows.
Attributes:
ID An identifier which uniquely identifies the
Trading Role Data Component within the IOTP
Transaction.
OrginatorElRef Contains an element reference to the Organisation
Component of the Organisation that created the
Trading Role Data Component and included it in a
"Response" Block (e.g., an Offer Response or a
Payment Response Block).
DestinationElRefs Contains element references to the Organisation
Components of the Organisations that are to
receive the Trading Role Data Component in a
"Request" Block (e.g., either a Payment Request or
a Delivery Request Block).
Content:
PackagedContent This contains the data which is to be sent between
the various Trading Roles as one or more
PackagedContent elements see section 3.7.
7.17.1 Who Receives a Trading Role Data Component
The rules for deciding what to do with Trading Role Data Components
are described below.
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o whenever a Trading Role Data Component is received in a "Response"
block identify the Organisation Components of the Organisations
that are to receive it as identified by the DestinationElRefs
attribute.
o whenever a "Request" Block is being sent, check to see if it is
being sent to one of the Organisations identified by the
DestinationElRefs attribute. If it is then include in the
"Request" block:
- the Trading Role Data Component as well as,
- the Organisation Component of the Organisation identified by
the OriginatorElRef attribute (if not already present)
7.18 Inquiry Type Component
The Inquiry Type Component contains the information which indicates
the type of process that is being inquired upon. Its definition is as
follows.
Attributes:
ID An identifier which uniquely identifies the
Inquiry Type Component within the IOTP
Transaction.
Type Contains the type of inquiry. Valid values for
Type are:
o Offer. The inquiry is about the status of an
offer and is addressed to the Merchant.
o Payment. The inquiry is about the status of a
payment and is addressed to the Payment
Handler.
o Delivery. The inquiry is about the status of a
delivery and addressed to the Delivery Handler.
ElRef Contains an Element Reference (see section 3.5) to
the component to which this Inquiry Type Component
applies. That is,
o TPO Block when Type is Offer
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o Payment Component when Type is Payment
o Delivery Component when Type is Delivery
ProcessReference Optionally contains a reference to the process
being inquired upon. It should be set if the
information is available. For the definition of
the values it may contain, see the
ProcessReference attribute of the Status Component
(see section 7.16).
7.19 Signature Component
Note: Definitions of the XML structures for signatures and
certificates are described in the document titled "Digital Signatures
for the Internet Open Trading Protocol" by Kent Davidson and Yoshiaki
Kawatsura published at the same time as this document - see
[IOTPDSIG].
In the future it is anticipated that future versions of IOTP will
adopt a whatever method for digitally signing XML becomes the
standard.
Each Signature Component digitally signs one or more Blocks or
Components including other Signature Components.
The Signature Component:
o contains digests of one or more Blocks or Components in one or
more IOTP Messages within the same IOTP Transaction and places the
result in a Digest Element
o concatenates these Digest elements with other information on the
type of signature, the originator and potential recipients of the
signature and details of the signature algorithms being used and
places them in a Manifest element, and
o signs the Manifest element using the optional certificate
identified in the Certificate element within the Signature Block
placing the result in a Value element within a Signature Component
Note that there may be multiple Value elements that contain
signatures of a Manifest Element.
A Signature Component can be one of four types either:
o an Offer Response Signature,
o a Payment Response Signature,
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o a Delivery Response Signature, or
o an Authentication Response Signature.
For a general explanation of signatures see section 6 Digital
Signatures.
7.19.1 IOTP usage of signature elements and attributes
Definitions of the elements and attributes are contained in
[IOTPDSIG]. The following contains additional information that
describes how these elements and attributes are used by IOTP.
SIGNATURE ELEMENT
The ID attribute is mandatory.
MANIFEST ELEMENT
The optional LocatorHrefBase attribute contains text which should be
concatenated before the text contained in the LocatorHREF attribute
of all Digest elements within the Manifest.
Its purpose is to reduce the size of LocatorHREF attribute values
since the first part of the LocatorHREF attributes in the same
signature are likely to be the same.
Typically, within IOTP, it will contain all the characters in a
LocatorHref attribute up to the sharp ("#") character (see
immediately below).
ALGORITHM AND PARAMETER ELEMENTS
The algorithm element identifies the algorithms used in generating
the signature. The type of the algorithm is defined by the value of
the Type attribute which indicates if it is to be used as a Digest
algorithm, a Signature algorithm or a Key Agreement algorithm.
The following Digest algorithms must be implemented:
o a [DOM-HASH] algorithm. This is identified by setting the Name
attribute of the Algorithm element to "urn:ibm:dom-hash"
o a [SHA1] algorithm. This is identified by setting the Name
attribute of the Algorithm element to "urn:fips:sha1", and
o a [MD5] algorithm. This is identified by setting the Name
attribute of the Algorithm element to "urn:rsa:md5"
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o The following Signature algorithms must be implemented:
o a [DSA] algorithm. This is identified by setting the Name
attribute of the Algorithm element to "urn:us.gov:dsa"
o a [HMAC] algorithm. This is identified by setting the Name
attribute of the Algorithm element to "urn:ibm:hmac"
It is recommended that the following Signature algorithm is also
implemented:
o a [RSA] algorithm. This is identified by setting the Name
attribute of the Algorithm element to "urn:rsa:rsa"
In addition other payment scheme specific algorithms may be used. In
this case the value of the name attribute to use is specified in the
payment scheme supplement for that algorithm.
One algorithm may make use of other algorithms by use of the
Parameter element, for example:
A2
A1
DIGEST ELEMENT
The LocatorHREF attribute identifies the IOTP element which is being
digitally signed. Specifically it consists of:
o the value of the IotpTransId attribute of the Transaction ID
Component, followed by:
o a sharp character, i.e. "#", followed by
o an Element Reference (see section 3.5) to the element within the
IOTP Transaction which is the subject of the digest.
Before analysing the structure of the LocatorHREF attribute, it must
be concatenated with the value of the LocatorHrefBase attribute of
the Manifest element (see immediately above).
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ATTRIBUTE ELEMENT
There must be one and only one Attribute Element that contains a Type
attribute with a value of IOTP Signature Type and with content set to
either: OfferResponse, PaymentResponse, DeliveryResponse,
AuthenticationRequest, AuthenticationResponse, PingRequest or
PingResponse; depending on the type of the signature.
Values of the content of the Attribute element are controlled under
the procedures defined in section 12 IANA Considerations which also
allows user defined values to be defined.
The Critical attribute must be set to true.
ORIGINATORINFO ELEMENT
The OriginatorRef attribute of the OriginatorInfo element must always
be present and contain an Element Reference (see section 3.5) to the
Organisation Component of the Organisation that generated the
Signature Component.
RECIPIENTINFO ELEMENT
The RecipientRefs attribute contains a list of Element References
(see section 3.5), that point to the Organisations that might need to
validate the signature. For details see below.
7.19.2 Offer Response Signature Component
The Manifest Element of a signature which has a type of OfferResponse
should contain Digest elements for the following Components:
o the Transaction Id Component (see section 3.3.1) of the IOTP
message that contains the Offer Response Signature
o the Transaction Reference Block (see section 3.3) of the IOTP
Message that contains the Offer Response Signature
o from the TPO Block:
- the Protocol Options Component
- each of the Organisation Components
- each of the Brand List Components
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o optionally, all the Brand Selection Components if they were sent
to the Merchant in a TPO Selection Block
o from the Offer Response Block:
- the Order Component
- each of the Payment Components
- the Delivery Component
- each of the Authentication Request Components
- any Trading Role Data Components
The Offer Response Signature should also contain Digest elements for
the components that describe each of the Organisations that may or
will need to verify the signature. This involves:
o if the Merchant has received a TPO Selection Block containing
Brand Selection Components, then generate a Digest element for the
Payment Handler identified by the Brand Selection Component and
the Delivery Handler identified by the Delivery Component. See
section 6.3.1 Check Request Block sent Correct Organisation for a
description of how this can be done.
o if the Merchant is not expecting to receive a TPO Selection Block
then generate a Digest element for the Delivery Handler and all
the Payment Handlers that are involved.
7.19.3 Payment Receipt Signature Component
The Manifest Element of the Payment Receipt Signature Component
should contain Digest Elements for the following Components:
o the Transaction Id Component (see section 3.3.1) of the IOTP
message that contains the Payment Receipt Signature
o the Transaction Reference Block (see section 3.3) of the IOTP
Message that contains the Payment Receipt Signature
o the Offer Response Signature Component
o the Payment Receipt Component
o the Payment Note Component
o the Status Component
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o the Brand Selection Component.
o any Trading Role Data Components
7.19.4 Delivery Response Signature Component
The Manifest Element of the Delivery Response Signature Component
should contain Digest Elements for the following Components:
o the Transaction Id Component (see section 3.3.1) of the IOTP
message that contains the Delivery Response Signature
o the Transaction Reference Block (see section 3.3) of the IOTP
Message that contains the Delivery Response Signature
o the Consumer Delivery Data component contained in the preceding
Delivery Request (if any)
o the Signature Components contained in the preceding Delivery
Request (if any)
o the Status Component
o the Delivery Note Component
7.19.5 Authentication Request Signature Component
The Manifest Element of the Authentication Request Signature
Component should contain Digest Elements for the following
Components:
o the Transaction Reference Block (see section 3.3) for the IOTP
Message that contains information that describes the IOTP Message
and IOTP Transaction
o the Transaction Id Component (see section 3.3.1) which globally
uniquely identifies the IOTP Transaction
o the following components of the TPO Block :
- the Protocol Options Component
- the Organisation Component
o the following components of the Authentication Request Block:
- the Authentication Request Component(s) (if present)
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- the Trading Role Information Request Component (if present)
7.19.6 Authentication Response Signature Component
The Manifest Element of the Authentication Response Signature
Component should contain Digest Elements for the following
Components:
o the Transaction Reference Block (see section 3.3) for the IOTP
Message that contains information that describes the IOTP Message
and IOTP Transaction
o the Transaction Id Component (see section 3.3.1) which globally
uniquely identifies the IOTP Transaction
o the following components of the Authentication Request Block:
- the Authentication Request Component that was used in the
Authentication (if present)
- the Trading Role Information Request Component (if present)
o the Organisation Components contained in the Authentication
Response Block
7.19.7 Inquiry Request Signature Component
If the Inquiry Request is being signed (see section 9.2.1) the
Manifest Element of the Inquiry Request Signature Component should
contain Digest elements of the Inquiry Type Component, and if
present, the Payment Scheme Component.
7.19.8 Inquiry Response Signature Component
If the Inquiry Response is being signed (see section 9.2.1) the
Manifest Element of the Inquiry Response Signature Component should
contain Digest elements of the Trading Response Block and the Status
Component.
7.19.9 Ping Request Signature Component
If the Ping Request is being singed (see section 9.2.2), the Manifest
Element of the Ping Request Signature Component should contain Digest
elements for all the Organisation Components.
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7.19.10 Ping Response Signature Component
If the Ping Response is being singed (see section 9.2.2), the
Manifest Element of the Ping Response Signature Component should
contain Digest elements fir all the Organisation Components.
7.20 Certificate Component
Note: Definitions of the XML structures for signatures and
certificates are described in the paper "Digital Signatures for the
Internet Open Trading Protocol", see [IOTPDSIG].
See note at the start of section 7.19 Signature Component for more
details.
A Certificate Component contains a Digital Certificate. They are used
only when required, for example, when asymmetric cryptography is
being used and the recipient of the signature that needs to check has
not already received the Public Key.
The structure of a Certificate Component is defined in [IOTPDSIG].
7.20.1 IOTP usage of signature elements and attributes
Detailed definitions of the above elements and attributes are
contained in [IOTPDSIG]. The following contains additional
information that describes how these elements and attributes are used
by IOTP.
CERTIFICATE COMPONENT
The ID attribute is mandatory.
VALUE ELEMENT
The ID attribute is mandatory.
7.21 Error Component
The Error Component contains information about Technical Errors (see
section 4.1) in an IOTP Message which has been received by one of the
Trading Roles involved in the trade.
For clarity two phrases are defined which are used in the description
of an Error Component:
o message in error. An IOTP message which contains or causes an
error of some kind
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o message reporting the error. An IOTP message that contains an
Error Component that describes the error found in a message in
error.
The definition of the Error Component is as follows.
Attributes:
ID An identifier which uniquely identifies the Error
Component within the IOTP Transaction.
xml:lang Defines the language used by attributes or child
elements within this component, unless overridden
by an xml:lang attribute on a child element. See
section 3.8 Identifying Languages.
ErrorCode Contains an error code which indicates the nature
of the error in the message in error. Valid values
for the ErrorCode are given in section 7.21.2
Error Codes.
ErrorDesc Contains a narrative description of the error in
the language defined by xml:lang. The content of
this attribute is defined by the vendor/developer
of the software which generated the Error
Component
Severity Indicates the severity of the error. Valid values
are:
o Warning. This indicates that although there is
a message in error the IOTP Transaction can
still continue.
o TransientError. This indicates that the error
in the message in error may be recovered if the
message in error that is referred to by the
ErrorLocation element is resent
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o HardError. This indicates that there is an
unrecoverable error in the message in error and
the IOTP Transaction must stop.
MinRetrySecs This attribute should be present if Severity is
set to TransientError. It is the minimum number of
whole seconds which the IOTP aware application
which received the message reporting the error
should wait before re-sending the message in error
identified by the ErrorLocation element.
If Severity is not set to TransientError then the
value of this attribute is ignored.
SwVendorErrorRef This attribute is a reference whose value is set
by the vendor/developer of the software which
generated the Error Component. It should contain
data which enables the vendor to identify the
precise location in their software and the set of
circumstances which caused the software to
generate a message reporting the error. See also
the SoftwareId attribute of the Message Id element
in the Transaction Reference Block (section 3.3).
Content:
ErrorLocation This identifies the IOTP Transaction Id of the
message in error and, where possible, the element
and attribute in the message in error that caused
the Error Component to be generated.
If the Severity of the error is not
TransientError, more than one ErrorLocation may be
specified as appropriate depending on the nature
of the error (see section 7.21.2 Error Codes) and
at the discretion of the vendor/developer of the
IOTP Aware Application.
PackagedContent This contains additional data which can be used to
understand the error. Its content may vary as
appropriate depending on the nature of the error
(see section 7.21.2 Error Codes) and at the
discretion of the vendor/developer of the IOTP
Aware Application. For a definition of
PackagedContent see section 3.7.
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7.21.1 Error Processing Guidelines
If there is more than one Error Component in a message reporting the
error, carry out the actions appropriate for the Error Component with
the highest severity. In this context, HardError has a higher
severity than TransientError, which has a higher severity than
Warning.
7.21.1.1 Severity - Warning
If an IOTP aware application is generating a message reporting the
error with an Error Component where the Severity attribute is set to
Warning, then if the message reporting the error does not contain
another Error Component with a severity higher than Warning, the IOTP
Message must also include the Trading Blocks and Trading Components
that would have been included if no error was being reported.
If a message reporting the error is received with an Error Component
where Severity is set to Warning, then:
o it is recommended that information about the error is either
logged, or otherwise reported to the user,
o the implementer of the IOTP aware application must either, at
their or the user's discretion:
- continue the IOTP transaction as normal, or
- fail the IOTP transaction by generating a message reporting the
error with an Error Component with Severity set to HardError
(see section 7.21.1.3).
If the intention is to continue the IOTP transaction then, if there
are no other Error Components with a higher severity, check that the
necessary Trading Blocks and Trading Components for normal processing
of the transaction to continue are present. If they are not then
generate a message reporting the error with an Error Component with
Severity set to HardError.
7.21.1.2 Severity - Transient Error
If an IOTP Aware Application is generating a message reporting the
error with an Error Component where the Severity attribute is set to
TransientError, then there should be only one Error Component in the
message reporting the error. In addition, the MinRetrySecs attribute
should be present.
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If a message reporting the error is received with an Error Component
where Severity is set to TransientError then:
o if the MinRetrySecs attribute is present and a valid number, then
use the MinRetrySecs value given. Otherwise if MinRetrySecs is
missing or is invalid, then:
- generate a message reporting the error containing an Error
Component with a Severity of Warning and send it on the next
IOTP message (if any) to be sent to the Trading Role which sent
the message reporting the error with the invalid MinRetrySecs,
and
- use a value for MinRetrySecs which is set by the
vendor/developer of the IOTP Aware Application.
o check that only one ErrorLocation element is contained within the
Error Component and that it refers to an IOTP Message which was
sent by the recipient of the Error Component with a Severity of
TransientError. If more than one ErrorLocation is present then
generate a message reporting the error with a Severity of
HardError.
7.21.1.3 Severity - Hard Error
If an IOTP Aware Application is generating a message reporting the
error with an Error Component where the Severity attribute set to
HardError, then there should be only one Error Component in the
message reporting the error.
If a message reporting the error is received with an Error Component
where Severity is set to HardError then terminate the IOTP
Transaction.
7.21.2 Error Codes
The following table contains the valid values for the ErrorCode
attribute of the Error Component. The first sentence of the
description contains the text that should be used to describe the
error when displayed or otherwise reported. Individual
implementations may translate this into alternative languages at
their discretion.
An Error Code must not be more that 14 characters long.
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Value Description
Reserved Reserved. This error is reserved by the
vendor/developer of the software. Contact the
vendor/developer of the software for more information
See the SoftwareId attribute of the Message Id
element in the Transaction Reference Block(section
3.3).
XmlNotWellFrmd XML not well formed. The XML document is not well
formed. See [XML] for the meaning of "well formed".
Even if the XML is not well formed, it should still
be scanned to find the Transaction Reference Block so
that a properly formed Error Response may be
generated.
XmlNotValid XML not valid. The XML document is well formed but
the document is not valid. See [XML] for the meaning
of "valid". Specifically:
o the XML document does not comply with the
constraints defined in the IOTP document type
declaration (DTD) (see section 13 Internet Open
Trading Protocol Data Type Definition), and
o the XML document does not comply with the
constraints defined in the document type
declaration of any additional [XML Namespace] that
are declared.
As for XML not well formed, attempts should still be
made to extract the Transaction Reference Block so
that a properly formed Error Response may be
generated.
ElUnexpected Unexpected element. Although the XML document is well
formed and valid, an element is present that is not
expected in the particular context according to the
rules and constraints contained in this
specification.
ElNotSupp Element not supported. Although the document is well
formed and valid, an element is present that:
o is consistent with the rules and constraints
contained in this specification, but
o is not supported by the IOTP Aware Application
which is processing the IOTP Message.
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ElMissing Element missing. Although the document is well formed
and valid, an element is missing that should have
been present if the rules and constraints contained
in this specification are followed.
In this case set the PackagedContent of the Error
Component to the type of the missing element.
ElContIllegal Element content illegal. Although the document is
well formed and valid, the element Content contains
values which do not conform to the rules and
constraints contained in this specification.
EncapProtErr Encapsulated protocol error. Although the document is
well formed and valid, the PackagedContent of an
element contains data from an encapsulated protocol
which contains errors.
AttUnexpected Unexpected attribute. Although the XML document is
well formed and valid, the presence of the attribute
is not expected in the particular context according
to the rules and constraints contained in this
specification.
AttNotSupp Attribute not supported. Although the XML document is
well formed and valid, and the presence of the
attribute in an element is consistent with the rules
and constraints contained in this specification, it
is not supported by the IOTP Aware Application which
is processing the IOTP Message.
AttMissing Attribute missing. Although the document is well
formed and valid, an attribute is missing that should
have been present if the rules and constraints
contained in this specification are followed.
In this case set the PackagedContent of the Error
Component to the type of the missing attribute.
AttValIllegal Attribute value illegal. The attribute contains a
value which does not conform to the rules and
constraints contained in this specification.
AttValNotRecog Attribute Value Not Recognised. The attribute
contains a value which the IOTP Aware Application
generating the message reporting the error could not
recognise.
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MsgTooLarge Message too large. The message is too large to be
processed by the IOTP Aware Application.
ElTooLarge Element too large. The element is too large to be
processed by the IOTP Aware Application
ValueTooSmall Value too small or early. The value of all or part of
the Content of an element or an attribute, although
valid, is too small.
ValueTooLarge Value too large or in the future. The value of all or
part of the Content of an element or an attribute,
although valid, is too large.
ElInconsistent Element Inconsistent. Although the document is well
formed and valid, according to the rules and
constraints contained in this specification:
o the content of an element is inconsistent with the
content of other elements or their attributes, or
o the value of an attribute is inconsistent with the
value of one or more other attributes.
In this case create ErrorLocation elements which
identify all the attributes or elements which are
inconsistent.
TransportError Transport Error. This error code is used to indicate
that there is a problem with the Transport Mechanism
which is preventing the message from being received.
It is typically associated with a Transient Error.
Explanation of the Transport Error is contained
within the ErrorDesc attribute. The values which can
be used inside ErrorDesc with a TransportError is
specified in the IOTP supplement for the Transport
mechanism.
MsgBeingProc Message Being Processed. This error code is only used
with a Severity of Transient Error. It indicates that
the previous message, which may be an exchange
message or a request message, is being processed and,
if no response is received by the time indicated by
the MinRetrySecs attribute, then the original message
should be resent.
SystemBusy System Busy. This error code is only used with a
Severity of Transient Error. It indicates that the
server that received a message is currently too busy
to handle the message. If no response is received by
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the time indicated by the MinRetrySecs attribute,
then the original message should be resent.
Note: If the server/system handling the Transport Mechanism (e.g.,
HTTP) is busy then a Transport Specific error message should be used
instead of an IOTP Error message. This code should be used in
association with IOTP servers/systems or other servers/systems to
which the IOTP server is connected.
UnknownError Unknown Error. Indicates that the transaction cannot
complete for some reason that is not covered
explicitly by any of the other errors. The ErrorDesc
attribute should be used to indicate the nature of
the problem.
This could be used to indicate, for example, an
internal error in a backend server or client process
of some kind.
7.21.3 Error Location Element
An Error Location Element identifies an element and optionally an
attribute in the message in error which is associated with the error.
It contains a reference to the IOTP Message, Trading Block, Trading
Component, element and attribute, which is in error.
Attributes:
ElementType This is the name of the type of the element where
the error is located. For example if the element
was declared as |-Trading Block <--------Trading Block - an XML Element
| | |-Trading Comp. within an IOTP Message that
Trading | |-Trading Comp. contains a predefined set of
Blocks | |-Trading Comp. Trading Components
| | |-Trading Comp.
| | |-Trading Comp. <-----Trading Components - XML Elements
| | within a Trading Block that
------> |-Trading Block contain a predefined set of XML
| |-Trading Comp. elements and attributes
| |-Trading Comp. containing information required
| |-Trading Comp. to support a Trading Exchange
| |-Trading Comp.
| |-Trading Comp.
|
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 16 Trading Blocks
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Trading Blocks are defined as part of the definition of an IOTP
Message (see section 3.1.1). The definition of an IOTP Message
element is repeated here:
The remainder of this section defines the Trading Blocks in this
version of IOTP. They are:
o Authentication Request Block
o Authentication Response Block
o Authentication Status Block
o Cancel Block
o Delivery Request Block
o Delivery Response Block
o Error Block
o Inquiry Request Block
o Inquiry Response Block
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o Offer Response Block
o Payment Exchange Block
o Payment Request Block
o Payment Response Block
o Signature Block
o Trading Protocol Options Block
o TPO Selection Block
The Transaction Reference Block is described in section 3.3.
8.1 Trading Protocol Options Block
The TPO Trading Block contains options which apply to the IOTP
Transaction. The definition of a TPO Trading Block is as follows.
Attributes:
ID An identifier which uniquely identifies the
Trading Protocol Options Block within the IOTP
Transaction (see section 3.4 ID Attributes).
Content:
ProtocolOptions The Protocol Options Component (see section
7.1)defines the options which apply to the whole
IOTP Transaction (see section 9).
BrandList This Brand List Component contains one or more
payment brands and protocols which may be selected
(see section 7.7).
Org The Organisation Components (see section 7.6)
identify the Organisations and their roles in the
IOTP Transaction. The roles and Organisations
which must be present will depend on the
particular type of IOTP Transaction. See the
definition of each transaction in section 9.
Internet Open Trading Protocol Transactions.
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The TPO Block should contain:
o the Protocol Options Component
o the Organisation Component with the Trading Role of Merchant
o the Organisation Component with the Trading Role of Consumer
o optionally, the Organisation Component with the Trading Role of
DeliverTo, if there is a Delivery included in the IOTP Transaction
o Brand List Components for each payment in the IOTP Transaction
o Organisation Components for all the Payment Handlers involved
o optionally, Organisation Components for the Delivery Handler (if
any) for the transaction
o additional Organisation Components that the Merchant may want to
include. For example
- a Customer Care Provider
- an Certificate Authority that offers Merchant "Credentials" or
some other warranty on the goods or services being offered.
8.2 TPO Selection Block
The TPO Selection Block contains the results of selections made from
the options contained in the Trading Protocol Options Block (see
section 8.1).The definition of a TPO Selection Block is as follows.
Attributes:
ID An identifier which uniquely identifies the TPO
Selection Block within the IOTP Transaction.
Content:
BrandSelection This identifies the choice of payment brand and
payment protocol to be used in a payment within
the IOTP Transaction. There is one Brand Selection
Component (see section 7.8) for each payment to be
made in the IOTP Transaction.
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The TPO Selection Block should contain one Brand Selection Component
for each Brand List in the TPO Block.
8.3 Offer Response Block
The Offer Response Block contains details of the goods, services,
amount, delivery instructions or financial transaction which is to
take place. Its definition is as follows.
Attributes:
ID An identifier which uniquely identifies the Offer
Response Block within the IOTP Transaction.
Content:
Status Contains status information about the business
success (see section 4.2) or failure of the
generation of the Offer. Note that in an Offer
Response Block, a ProcessState of NotYetStarted or
InProgress are illegal values.
Order The Order Component contains details about the
goods, services or financial transaction which is
taking place see section 7.5.
The Order Component must be present unless the
ProcessState attribute of the Status Component is
set to Failed.
Payment The Payment Components contain information about
the payments which are to be made see section 7.9.
Delivery The Delivery Component contains details of the
delivery to be made (see section 7.13).
TradingRoleData The Trading Role Data Component contains opaque
data which is needs to be communicated between the
Trading Roles involved in an IOTP Transaction (see
section 7.17).
The Offer Response Block should contain:
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o the Order Component for the IOTP Transaction
o Payment Components for each Payment in the IOTP Transaction
o the Delivery Component the IOTP Transaction requires (if any).
8.4 Authentication Request Block
The Authentication Request Block contains the data which is used by
one Trading Role to obtain information about and optionally
authenticate another Trading Role.
In outline it contains:
o information about how the authentication itself will be carried
out, and/or
o a request for additional information about the Organisation being
authenticated.
Its definition is as follows.
Attributes:
ID An identifier which uniquely identifies the
Authentication Request Block within the IOTP
Transaction.
Content:
AuthReq Each Authentication Request (see section 7.2)
component describes an alternative way in which
the recipient of the Authentication Request may
authenticate themselves by generating an
Authentication Response Component (see section
7.3).
If one Authentication Request Component is
present then that Authentication Request
Component should be used.
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If more than one Authentication Request Component
is present then the recipient should choose one
of the components based on personal preference of
the recipient or their software.
If no Authentication Request Component is present
it means that the Authentication Request Block is
requesting the return of Organisation Components
as specified in the Trading Role Information
Request Component.
TradingRoleInfoReq The Trading Role Information Request Component
(see section 7.4) contains a list of Trading
Roles about which information is being requested
There must be at least one Component (either an Authentication
Request or a Trading Role Information Request) within the
Authentication Block otherwise it is an error.
8.5 Authentication Response Block
The Authentication Response Block contains the response which results
from processing the Authentication Request Block. Its definition is
as follows.
Attributes:
ID An identifier which uniquely identifies the
Authentication Response Block within the IOTP
Transaction.
Content:
AuthResp The optional Authentication Response Component
which contains the results of processing the
Authentication Request Component - see section
7.3.
Org Optional Organisation Components that contain
information corresponding to the Trading Roles as
requested by the TradingRoleList attribute of the
Trading Role Information Request component.
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The components present in the Authentication Response Block must
match the requirement of the corresponding Authentication Request
Block otherwise it is an error.
8.6 Authentication Status Block
The Authentication Status Block indicates the success or failure of
the validation of an Authentication Response Block by an
Authenticator. Its definition is as follows.
Attributes:
ID An identifier which uniquely identifies the
Authentication Status Block within the IOTP
Transaction.
Content:
Status Contains status information about the business
success (see section 4.2) or failure of the
authentication
8.7 Payment Request Block
The Payment Request Block contains information which requests that a
payment is started. Its definition is as follows.
Attributes:
ID An identifier which uniquely identifies the
Payment Request Block within the IOTP Transaction.
Content:
Status Contains the Status Components (see section 7.13)
of the responses of the steps (e.g., an Offer
Response and/or a Payment Response) on which this
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step depends. It is used to indicate the success
or failure of those steps. Payment should only
occur if the previous steps were successful.
BrandList The Brand List Component contains a list of one or
more payment brands and protocols which may be
selected (see section 7.7).
BrandSelection This identifies the choice of payment brand, the
payment protocol and the Payment Handler to be
used in a payment within the IOTP Transaction.
There is one Brand Selection Component (see
section 7.8) for each payment to be made in the
IOTP Transaction.
Payment The Payment Components contain information about
the payment which is being made see section 7.9.
PaySchemeData The Payment Scheme Component contains payment
scheme specific data see section 7.10.
Org The Organisation Component contains details of
Organisations involved in the payment (see section
7.6). The Organisations present are dependent on
the IOTP Transaction and the data which is to be
signed. See section 6 Digital Signatures for more
details.
TradingRoleData The Trading Role Data Component contains opaque
data which is needs to be communicated between the
Trading Roles involved in an IOTP Transaction (see
section 7.17).
The Payment Request Block should contain:
o the Organisation Component with a Trading Role of Merchant
o the Organisation Component with the Trading Role of Consumer
o the Payment Component for the Payment
o the Brand List Component for the Payment
o the Brand Selection Component for the Brand List
o the Organisation Component for the Payment Handler of the Payment
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o the Organisation Component (if any) for the Organisation which
carried out the previous step, for example another Payment Handler
o the Organisation Component for the Organisation which is to carry
out the next step, if any. This may be, for example, either a
Delivery Handler or a Payment Handler.
o the Organisation Components for any additional Organisations that
the Merchant has included in the Offer Response Block
o an Optional Payment Scheme Data Component, if required by the
Payment Method as defined in the IOTP supplement for the payment
method
o any Trading Role Data Components that may be required (see section
7.17.1).
8.8 Payment Exchange Block
The Payment Exchange Block contains payment scheme specific data
which is exchanged between two of the roles in a trade. Its
definition is as follows.
Attributes:
ID An identifier which uniquely identifies the
Payment Exchange Block within the IOTP
Transaction.
Content:
PaySchemeData This Trading Component contains payment scheme
specific data see section 7.10 Payment Scheme
Component.
8.9 Payment Response Block
This Payment Response Block contains a information about the Payment
Status, an optional Payment Receipt, and an optional payment protocol
message. Its definition is as follows.
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Attributes:
ID An identifier which uniquely identifies the
Payment Response Block within the IOTP
Transaction.
Content:
Status Contains status information about the business
success (see section 4.2) or failure of the
payment. Note that in a Pay Response Block, a
ProcessState of NotYetStarted or InProgress are
illegal values.
PayReceipt Contains payment scheme specific data which can be
used to verify the payment occurred. See section
7.11 Payment Receipt Component. It must be present
if the ProcessState attribute of the Status
Component is set to CompletedOk. PayReceipt is
optional for other values as specified by the
appropriate Payment Scheme supplement.
PaySchemeData Contains payment scheme specific data see section,
for example a payment protocol message. See 7.10
Payment Scheme Component.
PaymentNote Contains additional, non payment related,
information which the Payment Handler wants to
provide to the Consumer. For example, if a
withdrawal or deposit were being made then it
could contain information on the remaining balance
on the account after the transfer was complete.
See section 7.12 Payment Note Component.
TradingRoleData The Trading Role Data Component contains opaque
data which is needs to be communicated between the
Trading Roles involved in an IOTP Transaction (see
section 7.17).
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8.10 Delivery Request Block
The Delivery Request Block contains details of the goods or services
which are to be delivered together with a signature which can be used
to check that delivery is authorised. Its definition is as follows.
Attributes:
ID An identifier which uniquely identifies the
Delivery Request Block within the IOTP
Transaction.
Content:
Status Contains the Status Components (see section
7.13) of the responses of the steps (e.g., a
Payment Response) on which this step is
dependent. It is used to indicate the success
or failure of those steps. Delivery should only
occur if the previous steps were successful.
Order The Order Component contains details about the
goods, services or financial transaction which
is taking place see section 7.5.
The Organisation Components (see section 7.6)
identify the Organisations and their roles in
Org the IOTP Transaction. The roles and
Organisations which must be present will depend
on the particular type of IOTP Transaction. See
the definition of each transaction in section
9. Internet Open Trading Protocol Transactions.
Delivery The Delivery Component contains details of the
delivery to be made (see section 7.13).
ConsumerDeliveryData Optional. Contains an identifier specified by
the Consumer which, if returned by the Delivery
Handler will enable the Consumer to identify
which Delivery is being referred to.
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TradingRoleData The Trading Role Data Component contains opaque
data which is needs to be communicated between
the Trading Roles involved in an IOTP
Transaction (see section 7.17).
The Delivery Request Block contains:
o the Organisation Component with a Trading Role of Merchant
o the Organisation Component for the Consumer and DeliverTo Trading
Roles
o the Delivery Component for the Delivery
o the Organisation Component for the Delivery Handler. Specifically
the Organisation Component identified by the ActionOrgRef
attribute on the Delivery Component
o the Organisation Component (if any) for the Organisation which
carried out the previous step, for example a Payment Handler
o the Organisation Components for any additional Organisations that
the Merchant has included in the Offer Response Block
o any Trading Role Data Components that may be required (see section
7.17.1).
8.11 Delivery Response Block
The Delivery Response Block contains a Delivery Note containing
details on how the goods will be delivered. Its definition is as
follows. Note that in a Delivery Response Block a Delivery Status
Element with a DeliveryStatusCode of NotYetStarted or InProgress is
invalid.
Attributes:
ID An identifier which uniquely identifies the
Delivery Response Block within the IOTP
Transaction.
Content:
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Status Contains status information about the business
success (see section 4.2) or failure of the
delivery. Note that in a Delivery Response Block,
a ProcessState of NotYetStarted or InProgress are
illegal values.
DeliveryNote The Delivery Note Component contains details about
how the goods or services will be delivered (see
section 7.15).
8.12 Inquiry Request Trading Block
The Inquiry Request Trading Block contains an Inquiry Type Component
and an optional Payment Scheme Component to contain payment scheme
specific inquiry messages.
Attributes:
ID An identifier which uniquely identifies the
Inquiry Request Trading Block within the IOTP
Transaction.
Content:
InquiryType Inquiry Type Component (see section 7.18) that
contains the type of inquiry.
PaySchemeData Payment Scheme Component (see section 7.10) that
contains payment scheme specific inquiry messages
for inquiries on payments. This is present when
the Type attribute of Inquiry Type Component is
Payment.
8.13 Inquiry Response Trading Block
The Inquiry Response Trading Block contains a Status Component and an
optional Payment Scheme Component to contain payment scheme specific
inquiry messages. Its purpose is to enquire on the current status of
an IOTP transaction at a server.
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Attributes:
ID An identifier which uniquely identifies the
Inquiry Response Trading Block within the
IOTP Transaction.
LastReceivedIotpMsgRef Contains an Element Reference (see section
3.5) to the Message Id Component (see section
3.3.2) of the last message this server has
received from the Consumer. If there is no
previously received message from the Consumer
in the pertinent transaction, this attribute
should be contain the value Null. This
attribute exists for debugging purposes.
LastSentIotpMsgRef Contains an Element Reference (see section
3.5) to the Message Id Component (see section
3.3.2) of the last message this server has
sent to the Consumer. If there is no
previously sent message to the Consumer in
the pertinent transaction, this attribute
should contain the value Null. This attribute
exists for debugging purposes.
Content:
Status Contains status information about the business
success (see section 4.2) or failure of a certain
trading exchange (i.e., Offer, Payment, or
Delivery).
PaySchemeData Payment Scheme Component (see section 7.10) that
contains payment scheme specific inquiry messages
for inquiries on payments. This is present when
the Type attribute of StatusType attribute of the
Status Component is set to Payment.
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8.14 Ping Request Block
The Ping Request Block is used to determine if a Server is operating
and whether or not cryptography is compatible.
The definition of a Ping Request Block is as follows.
Attributes:
ID An identifier which uniquely identifies the Ping
Request Trading Block within the IOTP Transaction.
Content:
Org Optional Organisation Components (see section
7.6).
If no Organisation Component is present then the
Ping Request is anonymous and simply determines if
the server is operating.
However if Organisation Components are present,
then it indicates that the sender of the Ping
Request wants to verify that digital signatures
can be handled.
In this case the sender includes:
o an Organisation Component that identifies
itself specifying the Trading Role(s) it is
taking in IOTP transactions (Merchant, Payment
Handler, etc.)
o an Organisation Component that identifies the
intended recipient of the message.
These are then used to generate a signature over
the Ping Response Block.
8.15 Ping Response Block
The Ping Response Trading Block provides the result of a Ping
Request.
It contains an Organisation Component that identifies the sender of
the Ping Response.
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If the Ping Request to which this block is a response contained
Organisation Components, then it also contains those Organisation
Components.
Attributes:
ID An identifier which uniquely identifies the Ping
Request Trading Block within the IOTP
Transaction.
PingStatusCode Contains a code which shows the status of the
sender software which processes IOTP messages.
Valid values are:
o Ok. Everything with the service is working
normally, including the signature
verification.
o Busy. Things are working normally but there
may be some delays.
o Down. The server is not functioning fully but
can still provide a Ping response.
SigVerifyStatusCode Contains a code which shows the status of
signature verification. This is present only
when the message containing the Ping Request
Block also contains a Signature Block. Valid
values are:
o Ok. The signature has successfully been
verified and proved compatible.
o NotSupported The receiver of this Ping
Request Block does not support validation of
signatures.
o Fail. Signature verification failed.
Xml:lang Defines the language used in PingStatusDesc.
This is present when PingStatusDesc is present.
PingStatusDesc Contains a short description of the status of
the server which sends this Ping Response Block.
Servers, if their designers want, can use this
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attribute to send more refined status
information than PingStatusCode which can be
used for debugging purposes, for example.
Content:
Org These are Organisation Components (see section
7.6).
The Organisation Components of the sender of the
Ping Response is always included in addition to
the Organisation Components sent in the Ping
Request.
Note: Ping Status Code values do not include a value such as Fail,
since, when the software receiving the Ping Request message is not
working at all, no Ping Response message will be sent back.
8.16 Signature Block
The Signature Block contains one or more Signature Components and
associated Certificates (if required) which sign data associated with
the IOTP Transaction. For a general discussion and introduction to
how IOTP uses signatures, see section 6 Digital Signatures. The
definition of the Signature Component and certificates is contained
in the paper "Digital Signatures for the Internet Open Trading
Protocol", see [IOTPDSIG]. Descriptions of how these are used by
IOTP is contained in sections 7.19 and 7.20.
The definition of a Signature Block is as follows:
Attributes:
ID An identifier which uniquely identifies the
Signature Block within the IOTP Transaction.
Content:
Signature A Signature Component. See section 7.19.
Certificate A Certificate Component. See section 7.20.
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The contents of a Signature Block depends on the Trading Block that
is contained in the same IOTP Message as the Signature Block.
8.16.1 Signature Block with Offer Response
A Signature Block which is in the same message as an Offer Response
Block contains just an Offer Response Signature Component (see
section 7.19.2).
8.16.2 Signature Block with Payment Request
A Signature Block which is in the same message as a Payment Request
Block contains:
o an Offer Response Signature Component (see section 7.19.2), and
o if the Payment is dependent on an earlier step (as indicated by
the StartAfter attribute on the Payment Component), then the
Payment Receipt Signature Component (see section 7.19.3) generated
by the previous step
8.16.3 Signature Block with Payment Response
A Signature Block which is in the same message as a Payment
Response Block contains just a Payment Receipt Signature Component
(see section 7.19.3) generated by the step.
8.16.4 Signature Block with Delivery Request
A Signature Block which is in the same message as a Delivery
Request Block contains:
o an Offer Response Signature Component (see section 7.19.2), and
o the Payment Receipt Signature Component (see section 7.19.3)
generated by the previous step.
8.16.5 Signature Block with Delivery Response
A Signature Block which is in the same message as a Delivery Response
Block contains just a Delivery Response Signature component (see
section 7.19.4) generated by the step.
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8.17 Error Block
The Error Trading Block contains one or more Error Components (see
section 7.21) which contain information about Technical Errors (see
section 4.1) in an IOTP Message which has been received by one of the
Trading Roles involved in the trade.
For clarity two phrases are defined which are used in the description
of an Error Trading Block:
o message in error. An IOTP message which contains or causes an
error of some kind
o message reporting the error. An IOTP message that contains an
Error Trading Block that describes the error found in a message in
error.
An Error Trading Block may be contained in any message reporting the
error. The action which then follows depends on the severity of the
error. See the definition of an Error Component, for an explanation
of the different types of severity and the actions which can then
occur.
in3 Note: Although, an Error Trading Block can report multiple
different errors using multiple Error Components, there is no
obligation on a developer of an IOTP Aware Application to do so.
The structure of an Error Trading Block is as follows.
Attributes:
ID An identifier which uniquely identifies the Error
Trading Block within the IOTP Transaction.
Content:
ErrorComp An Error Components (see section 7.21) that
contains information about an individual Technical
Error.
PaySchemeData An optional Payment Scheme Component (see section
7.10) which contains a Payment Scheme Message. See
the appropriate payment scheme supplement to
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determine whether or not this component needs to
be present and for the definition of what it must
contain.
8.18 Cancel Block
The Cancel Block is used by one Trading Role to inform any other that
a transaction has been cancelled. Example usage includes:
o a Consumer Role informing a non-Consumer role that it no longer
plans to continue with the transaction. This will allow the server
to close down the transaction tidily without a waiting for a
time-out to occur
o a non-Consumer Role to inform a Consumer role that the Transaction
is being stopped. In this case, the Consumer is then unlikely to
re-send the previous message that was sent in the mistaken
understanding that the original was not received.
Its definition is as follows.
Attributes:
ID An identifier which uniquely identifies the Cancel
Block within the IOTP Transaction.
Content:
Status Contains status information indicating that the
IOTP transaction has been cancelled.
9. Internet Open Trading Protocol Transactions
The Baseline Internet Open Trading Protocol supports three types of
transactions for different purposes. These are
o an Authentication IOTP transaction which supports authentication
of one party in a trade by another and/or requests information
about another Trading Role
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o IOTP Transactions that involve one or more payments. Specifically:
- Deposit
- Purchase
- Refund
- Withdrawal, and
- Value Exchange
o IOTP Transactions designed to check the correct function of the
IOTP infrastructure. Specifically:
- Transaction Status Inquiry, and
- Ping
Although the Authentication IOTP Transaction can operate on its own,
authentication can optionally precede any of the "payment"
transactions. Therefore, the rest of this section is divided into
two parts covering:
o Authentication and Payment transactions (Authentication, Deposit,
Purchase, Refund, Withdrawal and Value Exchange)
o Infrastructure Transactions (Transaction Status Inquiry and Ping)
that are designed to support inquiries on whether or not a
transaction has succeeded or a Trading Role's servers are
operating correctly, and
9.1 Authentication and Payment Related IOTP Transactions
The Authentication and Payment related IOTP Transactions consist
of six Document Exchanges which are then combined in sequence to
implement a specific transaction.
Generally, there is a close, but not exact, correspondence between
a Document Exchange and a Trading Exchange. The main difference is
that some Document Exchanges implement part or all of two Trading
Exchanges simultaneously in order to minimise the number of actual
IOTP Messages which must be sent over the Internet.
The six Document Exchanges are:
o Authentication. This is a direct implementation of the
Authentication Trading Exchange
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o Brand Dependent Offer. This is the Offer Trading Exchange combined
with the Brand Selection part of the Payment Trading Exchange. Its
purpose is to provide the Merchant with information on the Brand
selected so that the content of the Offer Response may be adapted
accordingly
o Brand Independent Offer. This is also an Offer Trading Exchange.
However, in this instance, the content of the Offer Response does
not depend on the Brand selected.
o Payment. This is a direct implementation of the Payment part of a
Payment Trading Exchange
o Delivery. This is a direct implementation of the Delivery Exchange
o Delivery with Payment. This is an implementation of combined
Payment and Delivery Trading Exchanges
These Document Exchanges are combined together in different sequences
to implement each IOTP Transaction. The way in which they may be
combined is illustrated by the diagram below.
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*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
START -----------------------------------------------------
| v
| ----------------
| | AUTHENTICATION |
| ----------------
-------------------------------------- | |
| | | |
| -------------- | ------------- |
v v v v |
------------------- ----------------- |
| BRAND INDEPENDENT | | BRAND DEPENDENT | |
| OFFER | | OFFER | |
------------------- ----------------- |
| | | | |
| --------------- | | |
| | | | |
| -------------- | -- | |
v v v v |
--------- -------------- |
| PAYMENT | | PAYMENT WITH | |
| (first) | | DELIVERY | |
--------- -------------- |
| | |
----------------------------- | |
v v | | |
---------- --------- | | |
| DELIVERY | | PAYMENT | | | |
| | | {second)| | | |
---------- --------- | | |
| | | | v
----------------------------------------------> STOP
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 17 Payment and Authentication Message Flow Combinations
The combinations of Document Exchanges that are valid depend on the
particular IOTP transaction.
The remainder of this sub-section describes:
o each Document Exchange in more detail including descriptions of
the content of each Trading Block in the Document Exchanges, and
o descriptions of how each IOTP Transaction uses the Document
Exchanges to effect the desired result.
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Note: The descriptions of the Document Exchanges which follow
describe the ways in which various Business Errors (see section 4.2)
are handled. No reference is made however to the handling of
Technical Errors (see section 4.1) in any of the messages since these
are handled the same way irrespective of the context in which the
message is being sent. See section 4 for more details.
9.1.1 Authentication Document Exchange
The Authentication Document Exchange is a direct implementation of
the Authentication Trading Exchange (see section 2.2.4). It involves:
o an Authenticator - the Organisation which is requesting the
authentication, and
o an Authenticatee - the Organisation being authenticated.
The authentication consists of:
o an Authentication Request being sent by the Authenticator to the
Authenticatee,
o an Authentication Response being sent in return by the
Authenticatee to the Authenticator which is then checked, and
o an Authentication Status being sent by the Authenticator to the
Authenticatee to provide an indication of the success or failure
of the authentication.
An Authentication Document Exchange also:
o provides an Authenticatee with an Organisation Component which
describes the Authenticator, and
o optionally provides the Authenticator with Organisation Components
which describe the Authenticatee.
The Authentication Request may also be digitally signed which allows
the Authenticatee to verify the credentials of the Authenticator.
The IOTP Messages which are involved are illustrated by the diagram
below.
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*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
Organisation 1
(Authenticatee)
| Organisation 2
| (Authenticator)
STEP | |
1. First Organisation takes an action (for example by
pressing a button on an HTML page) which requires that
the Organisation is authenticated
1 --> 2 Authentication Need (outside scope of IOTP)
2. The second Organisation generates: an Authentication
Request Block containing one or more Authentication
Request Components and/or a Trading Role Information
Request Component, then sends it to the first
Organisation
1 <-- 2 TPO & AUTHENTICATION REQUEST. IotpMsg: Trans Ref Block;
Signature Block (optional); TPO Block; Auth Request Block
3. IOTP aware application started. If a Signature Block is
present, the first Organisation may use this to check the
credentials of the second Organisation. If credentials are
OK, the first Organisation selects an Authentication
Request to use (if present and more than one), then uses
the authentication algorithm selected to generate an
Authentication Response Block. If present, the Trading
Role Information Request Component is used to generate
Organisation Components. Finally a Signature Component is
created if required and all components are then sent back
to the second Organisation for validation.
1 --> 2 AUTHENTICATION RESPONSE. IotpMsg; Trans Ref Block;
Signature Block (optional) ; Auth Response Block
4. The second Organisation checks the Authentication
Response against the data in the Authentication Request
Block to check that the first Organisation is who they
appear to be, and sends an Authentication Status Block to
the first Organisation to indicate the result then
stops.
1 <-- 2 AUTHENTICATION STATUS. IotpMsg: Trans Ref Block;
Signature Block (optional); Auth Response Block
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5. The first Organisation checks the authentication Status
Block and optionally keeps information on the IOTP
transaction for record keeping purposes and stops.
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 18 Authentication Document Exchange
9.1.1.1 Message Processing Guidelines
On receiving a TPO & Authentication Request IOTP Message (see below),
an Authenticatee may either:
o generate and send an Authentication Response IOTP Message back to
the Authenticator, or
o indicate failure to comply with the Authentication Request by
sending a Cancel Block back to the Authenticator containing a
Status Component with a StatusType of Authentication a
ProcessState of Failed and the CompletionCode (see section 7.16.4)
set to either: AutEeCancel, NoAuthReq, TradRolesIncon or
Unspecified.
On receiving an Authentication Response IOTP Message (see below), an
Authenticator should send in return, an Authentication Status IOTP
Message (see below) containing a Status Block with a Status Component
where the StatusType is set to Authentication, and:
o the ProcessState attribute of the Status Component is set to
CompletedOk which indicates a successful completion, or
o the ProcessState attribute is set to Failed and the CompletionCode
attribute is set to either: AutOrCancel, AuthFailed or Unspecified
which indicates a failed authentication,
On receiving an Authentication Status IOTP Message (see below), the
Authenticatee should check the Status Component in the Status Block.
If this indicates:
o a successful authentication, then the Authenticatee should either:
- continue with the next step in the IOTP Transaction of which
the Authentication Document Exchange is part (if any), or
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- indicate a failure to continue with the rest of the IOTP
Transaction, by sending back to the Authenticator a Cancel
Block containing a Status Component with a StatusType of
Authentication, a ProcessState of Failed and the CompletionCode
(see section 7.16.4) set to AutEeCancel.
o a failed authentication, then the failure should be reported to
the Authenticatee and any further processing stopped.
If the Authenticator receives an IOTP Message containing a Cancel
block from a Consumer, then the Authenticatee may go to the
CancelNetLocn specified on the Trading Role Element in the
Organisation Component for the Authenticator contained in the Trading
Protocol Options Block.
9.1.1.2 TPO & Authentication Request IOTP Message
Apart from a Transaction Reference Block (see section 3.3), this
message consists of:
o a Trading Protocol Options Block (see section 8.1)
o an Authentication Request Block (see section 8.4), and
o an optional Signature Block (see section 8.16).
Each of these are described below.
TRADING PROTOCOL OPTIONS BLOCK
The Trading Protocol Options Block (see section 8.1) must contain the
following Trading Components:
o one Protocol Options Component (see Section 7.1) which defines the
options which apply to the whole Authentication Document Exchange.
o one Organisation Component (see section 7.6) which describes the
Authenticator. The Trading Role on the Organisation Component
should indicate the role which the Authenticator is taking in the
Trade, for example a Merchant or a Consumer.
AUTHENTICATION REQUEST BLOCK
The Authentication Request Block (see section 8.4) must contain the
following Trading Components:
o one Authentication Request Component (see section 7.2), and
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SIGNATURE BLOCK (AUTHENTICATION REQUEST)
If the Authentication Request is being digitally signed then a
Signature Block must be included. It contains Digests of the
following XML elements:
o the Transaction Reference Block (see section 3.3) for the IOTP
Message that contains information that describes the IOTP Message
and IOTP Transaction
o the Transaction Id Component (see section 3.3.1) which globally
uniquely identifies the IOTP Transaction
o the following components of the TPO Block :
- the Protocol Options Component
- the Organisation Component
o the following components of the Authentication Request Block:
- the Authentication Request Component
- the Trading Role Information Request Component
9.1.1.3 Authentication Response IOTP Message
Apart from a Transaction Reference Block (see section 3.3), this
message consists of:
o an Authentication Response Block (see section 8.5), and
o an optional Signature Block (see section 8.16).
Each of these are described below.
AUTHENTICATION RESPONSE BLOCK
The Authentication Response Block must contain the following Trading
Component:
o one Authentication Response Component (see section 7.3)
o one Organisation Component for every Trading Role identified in
the TradingRoleList attribute of the Trading Role Information
Request Component contained in the Authentication Request Block.
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SIGNATURE BLOCK (AUTHENTICATION RESPONSE)
If the Algorithm element (see section 12. IANA Considerations) within
the Authentication Request Component contained in the Authentication
Request Block indicates that the Authentication Response should
consist of a digital signature then a Signature Block must be
included in the same IOTP message that contains an Authentication
Response Block. The Signature Component contains Digest Elements for
the following XML elements:
o the Transaction Reference Block (see section 3.3) for the IOTP
Message that contains information that describes the IOTP Message
and IOTP Transaction
o the Transaction Id Component (see section 3.3.1) which globally
uniquely identifies the IOTP Transaction
o the following components of the Authentication Request Block:
- the Authentication Request Component
- the Trading Role Information Request Component
o the Organisation Components contained in the Authentication
Response Block
Note: It should not be assumed that all trading roles can support the
signing of data. Particularly it should not be assumed that Consumers
support the signing of data.
9.1.1.4 Authentication Status IOTP Message
Apart from a Transaction Reference Block (see section 3.3), this
message consists of:
o an Authentication Status Block (see section 8.5), and
o an optional Signature Block (see section 8.16).
Each of these are described below.
AUTHENTICATION STATUS BLOCK
The Authentication Status Block (see section 8.6) must contain the
following Trading Components:
o one Status Component (see section 7.16) with a ProcessState
attribute set to CompletedOk.
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SIGNATURE BLOCK (AUTHENTICATION STATUS)
If the Authentication Status Block is being digitally signed then
a Signature Block must be included that contains a Signature
Component with Digest elements for the following XML elements:
o the Transaction Reference Block (see section 3.3) for the IOTP
Message that contains information that describes the IOTP Message
and IOTP Transaction
o the Transaction Id Component (see section 3.3.1) which globally
uniquely identifies the IOTP Transaction
o the following components of the Authentication Status Block:
- the Status Component (see section 7.16).
Note: If the Authentication Document Exchange is followed by an Offer
Document Exchange (see section 9.1.2) then the Authentication Status
Block and the Signature Block (Authentication Status) may be combined
with either:
o a TPO IOTP Message (see section 9.1.2.3), or
o a TPO and Offer Response IOTP Message (see section 9.1.2.6)
9.1.2 Offer Document Exchange
The Offer Document Exchange occurs in two basic forms:
o Brand Dependent Offer Exchange. Where the content of the offer,
e.g., the order details, amount, delivery details, etc., are
dependent on the payment brand and protocol selected by the
consumer, and
o Brand Independent Offer Exchange. Where the content of the offer
is not dependent on the payment brand and protocol selected.
Each of these types of Offer Document Exchange may be preceded by
an Authentication Document Exchange (see section 9.1.1).
9.1.2.1 Brand Dependent Offer Document Exchange
In a Brand Dependent Offer Document Exchange the TPO Block and the
Offer Response Block are sent separately by the Merchant to the
Consumer, i.e.:
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o the Brand List Component is sent to the Consumer in a TPO Block,
o the Consumer selects a Payment Brand, Payment Protocol and
optionally a Currency and amount from the Brand List Component
o the Consumer sends the selected brand, protocol and
currency/amount back to the Merchant in a TPO Selection Block, and
o the Merchant uses the information received to define the content
of and then send the Offer Response Block to the Consumer.
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This is illustrated by the diagram below.
*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
Consumer
| Merchant
STEP | |
1. Consumer decides to trade and sends to the Merchant
information (e.g., using HTML) that enables the Merchant
to create an offer,
C --> M Offer information - outside scope of IOTP
2. Merchant decides which payment brand protocols,
currencies and amounts apply, places then in a Brand List
Component inside a TPO Block and sends to Consumer
C <-- M TPO. IotpMsg: Trans Ref Block; TPO Block
3. IOTP aware application started. Consumer selects the
payment brand, payment protocol and currency/amount to
use. Records selection in a Brand Selection Component and
sends back to Merchant.
C --> M TPO SELECTION. IotpMsg: Trans Ref Block; TPO Selection
Block
4. Merchant uses selected payment brand, payment protocol,
currency/amount and the offer information to create an
Offer Response Block containing details about the IOTP
Transaction including price, etc. Optionally signs it and
sends to the Consumer
C <-- M OFFER RESPONSE. IotpMsg: Trans Ref Block; Signature Block
(optional); Offer Response Block
5. Consumer checks the Offer is OK, then combines components
from the TPO Block, the TPO Selection Block and the Offer
Response Block to create the next IOTP Message for the
Transaction and sends it together with the Signature
block if present to the required Trading Role
CONTINUED ...
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 19 Brand Dependent Offer Document Exchange
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Note, a Consumer identifies a Brand Dependent Offer Document
Exchange, by the absence of an Offer Response Block in the first IOTP
Message.
MESSAGE PROCESSING GUIDELINES
On receiving a TPO IOTP Message (see below), the Consumer may either:
o generate and send a TPO Selection IOTP Message back to the
Merchant, or
o indicate failure to continue with the IOTP Transaction by sending
a Cancel Block back to the Merchant containing a Status Component
with a StatusType of Offer, a ProcessState of Failed and the
CompletionCode (see section 7.16.4) set to either: ConsCancelled
or Unspecified.
On receiving a TPO Selection IOTP Message (see below) the Merchant
may either:
o generate and send an Offer Response IOTP Message back to the
Consumer, or
o indicate failure to continue with the IOTP Transaction by sending
a Cancel Block back to the Consumer containing a Status Component
with a StatusType of Offer, a ProcessState of Failed and the
CompletionCode (see section 7.16.4) set to either: MerchCancelled
or Unspecified.
On receiving an Offer Response IOTP Message (see below) the Consumer
may either:
o generate and send the next IOTP Message in the IOTP transaction
and send it to the required Trading Role. This is dependent on the
IOTP Transaction, or
o indicate failure to continue with the IOTP Transaction by sending
a Cancel Block back to the Merchant containing a Status Component
with a StatusType of Offer, a ProcessState of Failed and the
CompletionCode (see section 7.16.4) set to either: ConsCancelled
or Unspecified.
If the Merchant receives an IOTP Message containing a Cancel block,
then the Consumer is likely to go to the CancelNetLocn specified on
the Trading Role Element in the Organisation Component for the
Merchant.
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If the Consumer receives an IOTP Message containing a Cancel block,
then the information contained in the IOTP Message should be reported
to the Consumer but no further action taken.
9.1.2.2 Brand Independent Offer Document Exchange
In a Brand Independent Offer Document Exchange the TPO Block and the
Offer Response Block are sent together by the Merchant to the
Consumer, i.e. there is one IOTP Message that contains both a TPO
Block, and an Offer Response Block.
The message flow is illustrated by the diagram below:
*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
Consumer
| Merchant
STEP | |
1. Consumer decides to trade and sends to the Merchant
information (e.g., using HTML) that enables the Merchant
to create an offer,
C --> M Offer information - outside scope of IOTP
2. Merchant decides which payment brand protocols,
currencies and amounts apply, places then in a Brand List
Component inside a TPO Block, creates an Offer Response
containing details about the IOTP Transaction including
price, etc., optionally signs it and sends to Consumer
C <-- M TPO & OFFER RESPONSE. IotpMsg: Trans Ref Block; Signature
Block; TPO Block; Offer Response Block
3. IOTP aware application started. Consumer selects the
payment brand, payment protocol and currency/amount to
use. Records selection in a Brand Selection Component,
checks offer is OK, combines the Brand Selection
Component with information from the TPO Block and Offer
Response Block to create the next IOTP Message for the
Transaction and sends it together with the Signature
Block if present to the required Trading Role.
CONTINUED ...
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 20 Brand Independent Offer Exchange
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Note that a Brand Independent Offer Document Exchange always occurs
when only one payment brand, protocol and currency/amount is being
offered to the Consumer by the Merchant. It is also likely to, but
will not necessarily, occur when multiple brands are being offered,
the Payment Handler is the same, and all brands use the same set of
protocols.
Note that the TPO Block and the Offer Response Block can be sent in
separate IOTP messages (see Brand Dependent Offer Document Exchange)
even if the Offer Response Block does not change. However this
increases the number of messages in the transaction and is therefore
likely to increase transaction response times.
IOTP aware applications supporting the Consumer Trading Role must
check for the existence of an Offer Response Block in the first IOTP
Message to determine whether the Offer Document Exchange is brand
dependent or not.
MESSAGE PROCESSING GUIDELINES
On receiving a TPO and Offer Response IOTP Message (see below), the
Consumer may either:
o generate and send the next IOTP Message in the IOTP transaction
and send it to the required Trading Role. This is dependent on the
IOTP Transaction, or
o indicate failure to continue with the IOTP Transaction by sending
a Cancel Block back to the Merchant containing a Status Component
with a StatusType of Offer, a ProcessState of Failed and the
CompletionCode (see section 7.16.1) set to either: ConsCancelled
or Unspecified.
If the Merchant receives an IOTP Message containing a Cancel block,
then the Consumer is likely to go to the CancelNetLocn specified on
the Trading Role Element in the Organisation Component for the
Merchant.
9.1.2.3 TPO IOTP Message
The TPO IOTP Message is only used with a Brand Dependent Offer
Document Exchange. Apart from a Transaction Reference Block (see
section 3.3), this message consists of just a Trading Protocol
Options Block (see section 8.1) which is described below.
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TPO (TRADING PROTOCOL OPTIONS) BLOCK
The Trading Protocol Options Block (see section 8.1) must contain the
following Trading Components:
o one Protocol Options Component which defines the options which
apply to the whole IOTP Transaction. See Section 7.1.
o one Brand List Component (see section 7.7) for each Payment in the
IOTP Transaction that contain one or more payment brands and
protocols which may be selected for use in each payment
o Organisation Components (see section 7.6) with the following
roles:
- Merchant who is making the offer
- Consumer who is carrying out the transaction
- the PaymentHandler(s) for the payment. The "ID" of the Payment
Handler Organisation Component is contained within the PhOrgRef
attribute of the Payment Component
If the IOTP Transaction includes a Delivery then the TPO Block must
also contain:
o Organisation Components with the following roles:
- DeliveryHandler who will be delivering the goods or services
- DelivTo i.e. the person or Organisation which is to take
delivery
AUTHENTICATION STATUS AND SIGNATURE BLOCKS
If the Offer Document Exchange was preceded by an Authentication
Document Exchange, then the TPO IOTP Message may also contain:
o an Authentication Status Block (see section 8.6), and
o an optional Signature Block (Authentication Status) Signature
Block
See section 9.1.1.4 Authentication Status IOTP Message for more
details.
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9.1.2.4 TPO Selection IOTP Message
The TPO Selection IOTP Message is only used with a Brand Dependent
Offer Document Exchange. Apart from a Transaction Reference Block
(see section 3.3), this message consists of just a TPO Selection
Block (see section 8.1) which is described below.
TPO SELECTION BLOCK
The TPO Selection Block (see section 8.2) contains:
o one Brand Selection Component (see section 7.8) for use in a
later Payment Exchange. It contains the results of the consumer
selecting a Payment Brand, Payment Protocol and currency/amount
from the list provided in the Brand List Component.
9.1.2.5 Offer Response IOTP Message
The Offer Response IOTP Message is only used with a Brand Dependent
Offer Document Exchange. Apart from a Transaction Reference Block
(see section 3.3), this message consists of:
o an Offer Response Block (see section 8.1) and
o an optional Signature Block (see section 8.16).
OFFER RESPONSE BLOCK
The Offer Response Block (see section 8.3) contains the following
components:
o one Status Component (see section 7.16) which indicates the status
of the Offer Response. The ProcessState attribute should be set to
CompletedOk
o one Order Component (see section 7.5) which contains details about
the goods and services which are being purchased or the financial
transaction which is taking place
o one or more Payment Component(s) (see section 7.9) for each
payment which is to be made
o zero or one Delivery Components (see section 7.13) containing
details of the delivery to be made if the IOTP Transaction
includes a delivery
o zero or more Trading Role Data Components (see section 7.17) if
required by the Merchant.
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SIGNATURE BLOCK (OFFER RESPONSE)
If the Authentication Status Block is being digitally signed then a
Signature Block must be included that contains a Signature Component
(see section 7.19) with Digest Elements for the following XML
elements:
If the Offer Response is being digitally signed then a Signature
Block must be included that contains a Signature Component (see
section 7.19) with Digest Elements for the following XML elements:
o the Transaction Reference Block (see section 3.3) for the IOTP
Message that contains information that describes the IOTP Message
and IOTP Transaction
o the Transaction Id Component (see section 3.3.1) which globally
uniquely identifies the IOTP Transaction
o the following components of the TPO Block :
- the Protocol Options Component, and
- the Brand List Component
- all the Organisation Components present
o the following components of the Offer Response Block:
- the Order Component
- all the Payment Components present
- the Delivery Component if present
- any Trading Role Data Components present
9.1.2.6 TPO and Offer Response IOTP Message
The TPO and Offer Response IOTP Message is only used with a Brand
Independent Offer Document Exchange. Apart from a Transaction
Reference Block (see section 3.3), this message consists of:
o a Trading Protocol Options Block (see section 8.1)
o an Offer Response Block (see section 8.1) and
o an optional Signature Block (see section 8.16).
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TPO (TRADING PROTOCOL OPTIONS) BLOCK
This is the same as the Trading Protocol Options Block described in
TPO IOTP Message (see section 9.1.2.3).
OFFER RESPONSE BLOCK
This the same as the Offer Response Block in the Offer Response IOTP
Message (see section 9.1.2.5).
AUTHENTICATION STATUS
If the Offer Document Exchange was preceded by an Authentication
Document Exchange, then the TPO and Offer Response IOTP Message may
also contain an Authentication Status Block (see section 8.6).
SIGNATURE BLOCK
This is the same as the Signature Block in the Offer Response IOTP
Message (see section 9.1.2.5) with the addition that:
o if the Offer Document Exchange is Brand Dependent then the
Signature Component in the Signature Block additionally contains a
Digest Element for the Brand Selection Component contained in the
TPO Selection Block
o if the Offer Document Exchange was preceded by an Authentication
Document Exchange then the Signature Component in the Signature
Block additionally contains a Digest Element for the
Authentication Status Block.
9.1.3 Payment Document Exchange
The Payment Document Exchange is a direct implementation of the last
part of a Payment Trading Exchange (see section 2.2.2) after the
Brand has been selected by the Consumer. A Payment Exchange consists
of:
o the Consumer requesting that a payment starts by generating
Payment Request IOTP Message using information from previous IOTP
Messages in the Transaction and then sending it to the Payment
Handler
o the Payment Handler and the Consumer then swapping Payment
Exchange IOTP Messages encapsulating payment protocol messages
until the payment is complete, and finally
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o the Payment Handler sending a Payment Response IOTP Message to the
Consumer containing a receipt for the payment.
The IOTP Messages which are involved are illustrated by the diagram
below.
*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
Consumer
| Payment
| Handler
STEP | |
1. Consumer generates Pay Request Block encapsulating a
payment protocol message if required and sends to Payment
Handler with the Signature Block if present
C --> P PAYMENT REQUEST. IotpMsg: Trans Ref Block; Signature
Block (optional); Pay Request Block
2. Payment Handler processes Pay Request Block, checks
optional signature and starts exchanging payment protocol
messages encapsulated in a Pay Exchange Block, with the
Consumer
C <-> P PAYMENT EXCHANGE. IotpMsg: Trans Ref Block; Pay Exchange
Block
3. Consumer and Payment Handler keep on exchanging Payment
Exchange blocks until eventually payment protocol
messages finish so Payment Handler creates a Pay Receipt
Component inside a Pay Response Block, and an optional
Signature Component inside a Signature Block, sends them
to the Consumer and stops.
C <-- P PAYMENT RESPONSE. IotpMsg: Trans Ref Block; Signature
Block (optional); Pay Response Block
4. Consumer checks Payment Response is OK. Optionally keeps
information on IOTP Transaction for record keeping
purposes and either stops or creates the next IOTP
message for the Transaction and sends it together with
the Signature Block, if present, to the required Trading
Role
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 21 Payment Document Exchange
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9.1.3.1 Message Processing Guidelines
On receiving a Payment Request IOTP Message, the Payment Handler
should check that they are authorised to carry out the Payment (see
section 6 Digital Signatures). They may then either:
o generate and send a Payment Exchange IOTP Message back to the
Consumer, if more payment protocol messages need to be exchanged,
or
o generate and send a Payment Response IOTP Message if the exchange
of payment protocol messages is complete, or
o indicate failure to continue with the Payment by sending a Cancel
Block back to the Consumer containing a Status Component with a
StatusType of Payment, a ProcessState of Failed and the
CompletionCode (see section 7.16.4) set to either: BrandNotSupp,
CurrNotSupp, PaymtCancelled, AuthError, InsuffFunds,
InstBrandInvalid, InstNotValid, BadInstrument or Unspecified.
On receiving a Payment Exchange IOTP Message, the Consumer may
either:
o generate and send a Payment Exchange Message back to the Payment
Handler or
o indicate failure to continue with the Payment by sending a Cancel
Block back to the Payment Handler containing a Status Component
with a StatusType of Payment, a ProcessState of Failed and the
CompletionCode (see section 7.16.2) set to either: ConsCancelled
or Unspecified.
On receiving a Payment Exchange IOTP Message, the Payment Handler may
either:
o generate and send a Payment Exchange IOTP Message back to the
Consumer, if more payment protocol messages need to be exchanged,
or
o generate and send a Payment Response IOTP Message if the exchange
of payment protocol messages is complete, or
o indicate failure to continue with the Payment by sending a Cancel
Block back to the Consumer containing a Status Component with a
StatusType of Payment, a ProcessState of Failed and the
CompletionCode (see section 7.16.2) set to either: PaymtCancelled
or Unspecified.
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On receiving a Payment Response IOTP Message, the Consumer may
either:
o generate and send the next IOTP Message in the IOTP transaction
and send it to the required Trading Role. This is dependent on the
IOTP Transaction,
o stop, since the IOTP Transaction has ended, or
o indicate failure to continue with the IOTP Transaction by sending
a Cancel Block back to the Merchant containing a Status Component
with a StatusType of Payment, a ProcessState of Failed and the
CompletionCode (see section 7.16.1) set to either: ConsCancelled
or Unspecified.
If the Consumer receives an IOTP Message containing a Cancel block,
then the information contained in the IOTP Message should be reported
to the Consumer but no further action taken.
If the Payment Handler receives an IOTP Message containing a Cancel
block, then the Consumer is likely to go to the CancelNetLocn
specified on the Trading Role Element in the Organisation Component
for the Payment Handler from which any further action may take place.
If the Merchant receives an IOTP Message containing a Cancel block,
then the Consumer should have completed the payment but not
continuing with the transaction for some reason. In this case the
Consumer is likely to go to the CancelNetLocn specified on the
Trading Role Element in the Organisation Component for the Merchant
from which any further action may take place.
9.1.3.2 Payment Request IOTP Message
Apart from a Transaction Reference Block (see section 3.3), this
message consists of:
o a Payment Request Block, and
o an optional Signature Block
PAYMENT REQUEST BLOCK
The Payment Request Block (see section 8.7) contains:
o the following components copied from the Offer Response Block from
the preceding Offer Document Exchange:
- the Status Component
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- the Payment Component for the payment which is being carried
out
o the following components from the TPO Block:
- the Organisation Components with the roles of Merchant and for
the PaymentHandler that is being sent the Payment Request Block
- the Brand List Component for the payment, i.e. the Brand List
referred to by the BrandListRef attribute on the Payment
Component
o one Brand Selection Component for the Brand List, i.e. the Brand
Selection Component where BrandListRef attribute points to the
Brand List. This component can be either:
- copied from the TPO Selection Block if the payment was preceded
by a Brand Dependent Offer Document Exchange (see section
9.1.2.1), or
- created by the Consumer, containing the payment brand, payment
protocol and currency/amount selected from the Brand List, if
the payment was preceded by a Brand Independent Offer Document
Exchange (see section 9.1.2.2)
o an optional Payment Scheme Component (see section 7.10) if
required by the payment method used (see the Payment Method
supplement to determine if this is needed).
o zero or more Trading Role Data Components (see section 7.17).
Note that:
o if there is more than one Payment Components in an Offer Response
Block, then the second payment is the one within the Offer
Response Block that contains a StartAfter attribute (see section
7.9) that identifies the Payment Component for the first payment
o the Payment Handler to include is identified by the Brand
Selection Component (see section 7.8) for the payment. Also see
section 6.3.1 Check Request Block sent Correct Organisation for an
explanation on how Payment Handlers are identified
o the Brand List Component to include is the one identified by the
BrandListRef attribute of the Payment Component for the identified
payment
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o the Brand Selection Component to include from the Offer Response
Block is the one that contains an BrandListRef attribute (see
section 3.5) which identifies the Brand List Component for the
second payment.
SIGNATURE BLOCK (PAYMENT REQUEST)
If the either the preceding Offer Document Exchange included an Offer
Response Signature (see section 9.1.2.5 Offer Response IOTP Message),
or a preceding Payment Exchange included a Payment Response Signature
(see section 9.1.3.4 Payment Response IOTP Message) then they should
both be copied to the Signature Block in the Payment Request IOTP
Message.
9.1.3.3 Payment Exchange IOTP Message
Apart from a Transaction Reference Block (see section 3.3), this
message consists of just a Payment Exchange Block.
PAYMENT EXCHANGE BLOCK
The Payment Exchange Block (see section 8.8) contains:
o one Payment Scheme Component (see section 7.10) which contains
payment method specific data. See the Payment Method supplement
for the payment method being used to determine what this should
contain.
9.1.3.4 Payment Response IOTP Message
Apart from a Transaction Reference Block (see section 3.3), this
message consists of:
o a Payment Response Block, and
o an optional Signature Block
PAYMENT RESPONSE BLOCK
The Payment Response Block (see section 8.9) contains:
o one Payment Receipt Component (see section 7.11) which contains
scheme specific data which can be used to verify the payment
occurred
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o one Payment Scheme Component (see section 7.10) if required which
contains payment method specific data. See the Payment Method
supplement for the payment method being used to determine what
this should contain
o an optional Payment Note Component (see section 7.12)
o zero or more Trading Role Data Components (see section 7.17).
SIGNATURE BLOCK (PAYMENT RESPONSE)
If a signed Payment Receipt is being provided, indicated by the
SignedPayReceipt attribute of the Payment Component being set to
True, then the Signature Block should contain a Signature Component
which contains Digest Elements for the following:
o the Transaction Reference Block (see section 3.3) for the IOTP
Message which contains the first usage of the Payment Response
Block,
o the Transaction Id Component (see section 3.3.1) within the
Transaction Reference Block that globally uniquely identifies the
IOTP Transaction,
o the Payment Receipt Component from the Payment Response Block,
o the Payment Note Component from the Payment Response Block,
o the other Components referenced by the PayReceiptNameRefs
attribute (if present) of the Payment Receipt Component,
o the Status Component from the Payment Response Block,
o any Trading Role Data Components in the Payment Response Block,
and
o all the Signature Components contained in the Payment Request
Block if present.
9.1.4 Delivery Document Exchange
The Delivery Document Exchange is a direct implementation of a
Delivery Trading Exchange (see section 2.2.3). It consists of:
o the Consumer requesting a Delivery by generating Delivery Request
IOTP Message using information from previous IOTP Messages in the
Transaction and then sending it to the Delivery Handler
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o the Delivery Handler sending a Delivery Response IOTP Message to
the Consumer containing details about the Handler's response to
the request together with an optional signature.
The message flow is illustrated by the diagram below.
*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
Consumer
| Delivery
| Handler
STEP | |
1. Consumer generates Delivery Request Block and sends it to
the Delivery Handler with the Signature Block if present
C --> D DELIVERY REQUEST. IotpMsg: Trans Ref Block; Signature
Block; Delivery Request Block
2. Delivery Handler checks the Status and Order Components
in the Delivery Request and the optional Signatures,
creates a Delivery Response Block, sends to the Consumer
and stops.
C <-- D DELIVERY RESPONSE. IotpMsg: Trans Ref Block; Signature
Block; Delivery Response Block
3. Consumer checks Delivery Response Block and optional
Signature Block are OK. Optionally keeps information on
IOTP Transaction for record keeping purposes and stops.
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 22 Delivery Document Exchange
9.1.4.1 Message Processing Guidelines
On receiving a Delivery Request IOTP Message, the Delivery Handler
should check that they are authorised to carry out the Delivery (see
section 6 Digital Signatures). They may then either:
o generate and send a Delivery Response IOTP Message to the
Consumer, or
o indicate failure to continue with the Delivery by sending a Cancel
Block back to the Consumer containing a Status Component with a
StatusType of Delivery, a ProcessState of Failed and the
CompletionCode (see section 7.16.4) set to either: DelivCanceled,
or Unspecified.
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On receiving a Delivery Response IOTP Message, the Consumer should
just stop since the IOTP Transaction is complete.
If the Consumer receives an IOTP Message containing a Cancel block,
then the information contained in the IOTP Message should be reported
to the Consumer but no further action taken.
9.1.4.2 Delivery Request IOTP Message
The Delivery Request IOTP Message consists of:
o a Delivery Request Block, and
o an optional Signature Block
DELIVERY REQUEST BLOCK
The Delivery Request Block (see section 8.10) contains:
o the following components copied from the Offer Response Block:
- the Status Component (see section 7.16)
- the Order Component (see section 7.5)
- the Organisation Component (see section 7.6) with the roles of:
Merchant, DeliveryHandler and DeliverTo
- the Delivery Component (see section 7.13)
o the following Component from the Payment Response Block:
- the Status Component (see section 7.16).
o zero or more Trading Role Data Components (see section 7.17).
SIGNATURE BLOCK (DELIVERY REQUEST)
If the preceding Offer Document Exchange included an Offer Response
Signature or the Payment Document Exchange included a Payment
Response Signature, then they should both be copied to the Signature
Block.
9.1.4.3 Delivery Response IOTP Message
The Delivery Response IOTP Message contains a Delivery Response Block
and an optional Signature Block.
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DELIVERY RESPONSE BLOCK
The Delivery Response Block contains:
o one Delivery Note Component (see section 7.15) which contains
delivery instructions about the delivery of goods or services
in3 SIGNATURE BLOCK (DELIVERY RESPONSE)
The Signature Block should contain one Signature Component that
contains Digest elements that refer to
o the Transaction Id Component (see section 3.3.1) of the IOTP
message that contains the Delivery Response Signature
o the Transaction Reference Block (see section 3.3) of the IOTP
Message that contains the Delivery Response Signature
o the Consumer Delivery Data component contained in the Delivery
Request Block (if any)
o the Signature Components contained in the Delivery Request Block
(if any)
o the Status Component
o the Delivery Note Component
9.1.5 Payment and Delivery Document Exchange
The Payment and Delivery Document Exchange is a combination of the
last part of the Payment Trading Exchange (see section 2.2.2) and a
Delivery Trading Exchange (see section 2.2.3). It consists of:
o the Consumer requesting that a payment starts by generating
Payment Request IOTP Message using information from previous IOTP
Messages in the Transaction and then sending it to the Payment
Handler
o the Payment Handler and the Consumer then swapping Payment
Exchange IOTP Messages encapsulating payment protocol messages
until the payment is complete, and finally
o the Payment Handler sending to the Consumer in one IOTP Message:
- a Payment Response Block containing a receipt for the payment,
and
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- a Delivery Response Block containing details of the goods or
services to be delivered
The IOTP Messages which are involved are illustrated by the diagram
below.
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*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
Consumer
| Payment
| Handler
STEP | |
1. Consumer generates Pay Request Block encapsulating a
payment protocol message if required and sends to Payment
Handler with the Signature Block if present
C --> P PAYMENT REQUEST. IotpMsg: Trans Ref Block; Signature
Block; Pay Request Block
2. Payment Handler processes Pay Request Block, checks
optional signature and starts exchanging payment protocol
messages encapsulated in a Pay Exchange Block, with the
Consumer
C <-> P PAYMENT EXCHANGE. IotpMsg: Trans Ref Block; Pay Exchange
Block
3. Consumer and Payment Handler keep on exchanging Payment
Exchange blocks until eventually payment protocol
messages finish so Payment Handler creates a Pay Receipt
Component inside a Pay Response Block, and an optional
Signature Component inside a Signature Block, then uses
information from the Offer Response Bock to create a
Delivery Response Block and sends both to the Consumer
and stops.
C <-- P PAYMENT RESPONSE & DELIVERY RESPONSE. IotpMsg: Trans Ref
Block; Signature Block; Pay Response Block; Delivery
Response Block
4. Consumer checks Payment Response and Delivery Response
Blocks are OK. Optionally keeps information on IOTP
Transaction for record keeping purposes and either stops
or creates the next IOTP message for the Transaction and
sends it together with the Signature Block, if present,
to the required Trading Role
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 23 Payment and Delivery Document Exchange
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The Delivery Response Block and the Payment Response Block may be
combined into the same IOTP Message only if the Payment Handler has
the information available so that she can send the Delivery Response
Block. This is likely to, but will not necessarily, occur when the
Merchant, the Payment Handler and the Delivery Handler Roles are
combined.
The DelivAndPayResp attribute of the Delivery Component (see section
7.13) contained within the Offer Response Block (see section 8.3) is
set to True if the Delivery Response Block and the Payment Response
Block are combined into the same IOTP Message and is set to False if
the Delivery Response Block and the Payment Response Block are sent
in separate IOTP Messages.
9.1.5.1 Message Processing Guidelines
On receiving a Payment Request IOTP Message or a Payment Exchange
IOTP Message, the Payment Handler should carry out the same actions
as for a Payment Document Exchange (see section 9.1.3.1).
On receiving a Payment Exchange IOTP Message, the Consumer should
also carry out the same actions as for a Payment Document Exchange
(see section 9.1.3.1).
On receiving a Payment Response and Delivery Response IOTP Message
then the IOTP Transaction is complete and should take no further
action.
If the Consumer receives an IOTP Message containing a Cancel block,
then the information contained in the IOTP Message should be reported
to the Consumer but no further action taken.
If the Payment Handler receives an IOTP Message containing a Cancel
block, then the Consumer is likely to go to the CancelNetLocn
specified on the Trading Role Element in the Organisation Component
for the Payment Handler from which any further action may take place.
If the Merchant receives an IOTP Message containing a Cancel block,
then the Consumer should have completed the payment but not
continuing with the transaction for some reason. In this case the
Consumer is likely to go to the CancelNetLocn specified on the
Trading Role Element in the Organisation Component for the Merchant
from which any further action may take place.
9.1.5.2 Payment Request IOTP Message
The content of this message is the same as for a Payment Request IOTP
Message in a Payment Document Exchange (see section 9.1.3.2).
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9.1.5.3 Payment Exchange IOTP Message
The content of this message is the same as for a Payment Exchange
IOTP Message in a Payment Document Exchange (see section 9.1.3.3).
9.1.5.4 Payment Response and Delivery Response IOTP Message
The content of this message consists of:
o a Payment Response Block,
o an optional Signature Block (Payment Response), and
o a Delivery Response Block.
PAYMENT RESPONSE BLOCK
The content of this block is the same as the Payment Response Block
in the Payment Response IOTP Message associated with a Payment
Document Exchange (see section 9.1.3.4).
SIGNATURE BLOCK (PAYMENT RESPONSE)
The content of this block is the same as the Signature Block (Payment
Response) in the Payment Response IOTP Message associated with a
Payment Document Exchange (see section 9.1.3.4).
DELIVERY RESPONSE BLOCK
The content of this block is the same as the Delivery Response Block
in the Delivery Response IOTP Message associated with a Delivery
Document Exchange (see section 9.1.4.3).
9.1.6 Baseline Authentication IOTP Transaction
A Baseline Authentication IOTP Transaction may occur at any time
between any of the Trading Roles involved in IOTP Transactions. This
means it could occur:
o before another IOTP Transaction
o at the same time as another IOTP Transaction
o independently of any other IOTP Transaction.
The Baseline Authentication IOTP Transaction consists of just an
Authentication Document Exchange (see section 9.1.1) as illustrated
by the diagram below.
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*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
START -------------------------------------------------------
v
----------------
| AUTHENTICATION |
----------------
|
|
|
|
------------------- ----------------- |
| BRAND INDEPENDENT | | BRAND DEPENDENT | |
| OFFER | | OFFER | |
------------------- ----------------- |
|
|
|
|
|
--------- -------------- |
| PAYMENT | | PAYMENT WITH | |
| (first) | | DELIVERY | |
--------- -------------- |
|
|
|
---------- --------- |
| DELIVERY | | PAYMENT | |
| | | {second)| |
---------- --------- |
v
STOP
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 24 Baseline Authentication IOTP Transaction
Example uses of the Baseline Authentication IOTP Transaction include:
o when the Baseline Authentication IOTP Transaction takes place as
an early part of a session where strong continuity exists. For
example, a Financial Institution could:
- set up a secure channel (e.g., using [SSL/TLS]) with a customer
- authenticate the customer using the Baseline Authentication
IOTP Transaction, and then
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- provide the customer with access to account information and
other services with the confidence that they are communicating
with a bona fide customer.
o as a means of providing a Merchant role with Organisation
Components that contain information about Consumer and DelivTo
Trading Roles
o so that a Consumer may authenticate a Payment Handler before
starting a payment.
9.1.7 Baseline Deposit IOTP Transaction
The Baseline Deposit IOTP Transaction supports the deposit of
electronic cash with a Financial Institution.
Note: The Financial Institution has, in IOTP terminology, a role of
merchant in that a service (i.e. a deposit of electronic cash) is
being offered in return for a fee, for example bank charges of some
kind. The term "Financial Institution" is used in the diagrams and in
the text for clarity.
The Baseline Deposit IOTP Transaction consists of the following
Document Exchanges:
o an optional Authentication Document Exchange (see section 9.1.1)
o an Offer Document Exchange (see section 9.1.2), and
o a Payment Document Exchange (see section 9.1.3).
The way in which these Document Exchanges may be combined together is
illustrated by the diagram below.
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*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
START -----------------------------------------------------
| v
| ----------------
| | AUTHENTICATION |
| ----------------
-------------------------------------- |
| | |
| -------------- | -------------
v v v v
------------------- -----------------
| BRAND INDEPENDENT | | BRAND DEPENDENT |
| OFFER | | OFFER |
------------------- -----------------
| |
| |
| |
| -------------------
v v
--------- --------------
| PAYMENT | | PAYMENT WITH |
| (first) | | DELIVERY |
--------- --------------
|
----------------
|
---------- --------- |
| DELIVERY | | PAYMENT | |
| | | {second)| |
---------- --------- |
|
-----------------> STOP
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 25 Baseline Deposit IOTP Transaction
See section 9.1.12 "Valid Combinations of Document Exchanges" to
determine which combination of document exchanges apply to a
particular instance of an IOTP Transaction
Note that:
o a Merchant (Financial Institution) may be able to accept a deposit
in several different types of electronic cash although, since the
Consumer role that is depositing the electronic cash usually knows
what type of cash they want to deposit, it is usually constrained
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in practice to only one type. However, there may be several
different protocols which may be used for the same "brand" of
electronic cash. In this case a Brand Dependent Offer may be
appropriate to negotiate the protocol to be used.
o the Merchant (Financial Institution) may use the results of the
authentication to identify not only the consumer but also the
account to which the payment is to be deposited. If no single
account can be identified, then it must be obtained by other
means. For example:
- the consumer could specify the account number prior to the
Baseline Deposit IOTP Transaction starting, or
- the consumer could have been identified earlier, for example
using a Baseline Authentication IOTP Transaction, and an
account selected from a list provided by the Financial
Institution.
o The Baseline Deposit IOTP Transaction without an Authentication
Document Exchange might be used:
- if a previous IOTP transaction, for example a Baseline
Withdrawal or a Baseline Authentication, authenticated the
consumer, and a secure channel has been maintained, therefore
the authenticity of the consumer is known
- if authentication is achieved as part of a proprietary payment
protocol and is therefore included in the Payment Document
Exchange
- if authentication of the consumer has been achieved by some
other means outside of the scope of IOTP, for example, by using
a pass phrase, or a proprietary banking software solution.
9.1.8 Baseline Purchase IOTP Transaction
The Baseline Purchase IOTP Transaction supports the purchase of goods
or services using any payment method. It consists of the following
Document Exchanges:
o an optional Authentication Document Exchange (see section 9.1.1)
o an Offer Document Exchange (see section 9.1.2)
o either:
- a Payment Document Exchange (see section 9.1.3) followed by
Burdett Informational [Page 220]
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- a Delivery Document Exchange (see section 9.1.4)
o a Payment Document Exchange only, or
o a combined Payment and Delivery Document Exchange (see section
9.1.5).
The ways in which these Document Exchanges are combined is
illustrated by the diagram below.
*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
START -----------------------------------------------------
| v
| ----------------
| | AUTHENTICATION |
| ----------------
-------------------------------------- | |
| | | |
| -------------- | ------------- |
v v v v |
------------------- ----------------- |
| BRAND INDEPENDENT | | BRAND DEPENDENT | |
| OFFER | | OFFER | |
------------------- ----------------- |
| | | | |
| --------------- | | |
| | | | |
| -------------- | -- | |
v v v v |
--------- -------------- |
| PAYMENT | | PAYMENT WITH | |
| (first) | | DELIVERY | |
--------- -------------- |
| | |
----------------------------- | |
v | | |
---------- --------- | | |
| DELIVERY | | PAYMENT | | | |
| | | {second)| | | |
---------- --------- | | |
| | | v
----------------------------------------------> STOP
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 26 Baseline Purchase IOTP Transaction
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See section 9.1.12 "Valid Combinations of Document Exchanges" to
determine which combination of document exchanges apply to a
particular instance of an IOTP Transaction.
9.1.9 Baseline Refund IOTP Transaction
In business terms the refund process typically consists of:
o a request for a refund being made by the Consumer to the Merchant,
typically supported by evidence to demonstrate:
- the original trade took place, for example by providing a
receipt for the original transaction
- using some type of authentication, that the consumer requesting
the refund is the consumer, or a representative of the
consumer, who carried out the original trade
- the reason why the merchant should make the refund
o the merchant agreeing (or not) to the refund. This may involve
some negotiation between the Consumer and the Merchant, and, if
the merchant agrees,
o a refund payment by the Merchant to the Consumer.
The Baseline Refund IOTP Transaction supports a subset of the above,
specifically it supports:
o stand alone authentication of the Consumer using a separate
Baseline Authentication IOTP Transaction (see section 9.1.6)
o a refund payment by the Merchant to the Consumer using the
following two Trading Exchanges:
- an optional Authentication Document Exchange (see section
9.1.1)
- an Offer Document Exchange (see section 9.1.2), and
- a Payment Document Exchange (see section 9.1.3).
The ways in which these Document Exchanges are combined is
illustrated by the diagram below.
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*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
START -----------------------------------------------------
| v
| ----------------
| | AUTHENTICATION |
| ----------------
-------------------------------------- |
| | |
| -------------- | -------------
v v v v
------------------- -----------------
| BRAND INDEPENDENT | | BRAND DEPENDENT |
| OFFER | | OFFER |
------------------- -----------------
| |
| |
| |
| -------------------
v v
--------- --------------
| PAYMENT | | PAYMENT WITH |
| (first) | | DELIVERY |
--------- --------------
|
----------------
|
---------- --------- |
| DELIVERY | | PAYMENT | |
| | | {second)| |
---------- --------- |
|
-----------------> STOP
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 27 Baseline Refund IOTP Transaction
A Baseline Refund IOTP Transaction without an Authentication Document
Exchange might be used:
o when authentication of the consumer has been achieved by some
other means, for example, the consumer has entered some previously
supplied code in order to identify herself and the refund to which
the code applies. The code could be supplied, for example on a web
page or by e-mail.
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o when a previous IOTP transaction, for example a Baseline
Authentication, authenticated the consumer, and a secure channel
has been maintained, therefore the authenticity of the consumer is
known and therefore the previously agreed refund can be
identified.
o when the authentication of the consumer is carried out by the
Payment Handler using a payment scheme authentication algorithm.
9.1.10 Baseline Withdrawal IOTP Transaction
The Baseline Withdrawal IOTP Transaction supports the withdrawal of
electronic cash from a Financial Institution.
Note: The Financial Institution has, in IOTP terminology, a role of
merchant in that a service (i.e. a withdrawal of electronic cash) is
being offered in return for a fee, for example bank charges of some
kind. The term "Financial Institution" is used in the diagrams and in
the text for clarity.
The Baseline Withdrawal IOTP Transaction consists of the following
Document Exchanges:
o an optional Authentication Document Exchange (see section 9.1.1)
o an Offer Document Exchange (see section 9.1.2), and
o a Payment Document Exchange (see section 9.1.3).
The way in which these Document Exchanges may be combined together is
illustrated by the diagram below.
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*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
START -----------------------------------------------------
| v
| ----------------
| | AUTHENTICATION |
| ----------------
-------------------------------------- |
| | |
| -------------- | -------------
v v v v
------------------- -----------------
| BRAND INDEPENDENT | | BRAND DEPENDENT |
| OFFER | | OFFER |
------------------- -----------------
| |
| |
| |
| -------------------
v v
--------- --------------
| PAYMENT | | PAYMENT WITH |
| (first) | | DELIVERY |
--------- --------------
|
----------------
|
---------- --------- |
| DELIVERY | | PAYMENT | |
| | | {second)| |
---------- --------- |
|
-----------------> STOP
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 28 Baseline Withdrawal IOTP Transaction
Note that:
o a Merchant (Financial Institution) may be able to offer withdrawal
of several different types of electronic cash. In practice usually
only one form of electronic cash may be offered. However, there
may be several different protocols which may be used for the same
"brand" of electronic cash.
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o the Merchant (Financial Institution) may use the results of the
authentication to identify not only the consumer but also the
account from which the withdrawal is to be made. If no single
account can be identified, then it must be obtained by other
means. For example:
- the consumer could specify the account number prior to the
Baseline Withdrawal IOTP Transaction starting, or
- the consumer could have been identified earlier, for example
using a Baseline Authentication IOTP Transaction, and an
account selected from a list provided by the Financial
Institution.
o a Baseline Withdrawal without an authentication might be used:
- if a previous IOTP transaction, for example a Baseline Deposit
or a Baseline Authentication, authenticated the consumer, and a
secure channel has been maintained, therefore the authenticity
of the consumer is known
- if authentication is achieved as part of a proprietary payment
protocol and is therefore included in the Payment Document
Exchange
- if authentication of the consumer has been achieved by some
other means, for example, by using a pass phrase, or a
proprietary banking software solution.
9.1.11 Baseline Value Exchange IOTP Transaction
The Baseline Value Exchange Transaction uses Payment Document
Exchanges to support the exchange of value in one currency obtained
using one payment method with value in the same or another currency
using the same or another payment method. Examples of its use
include:
o electronic cash advance on a credit card. For example the first
payment could be a "dollar SET Payment" using a credit card with
the second payment being a download of Visa Cash e-cash in
dollars.
o foreign exchange using the same payment method. For example the
payment could be an upload of Mondex value in British Pounds and
the second a download of Mondex value in Euros
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o foreign exchange using different payment methods. For example the
first payment could be a SET payment in Canadian Dollars followed
a download of GeldKarte in Deutchmarks.
The Baseline Value Exchange uses the following Document Exchanges:
o an optional Authentication Document Exchange (see section 9.1.1)
o an Offer Document Exchange (see section 9.1.2), which provides
details of what values and currencies will be exchanged, and
o two Payment Document Exchanges (see section 9.1.3) which carry out
the two payments involved.
The way in which these Document Exchanges may be combined together is
illustrated by the diagram below.
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*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
START -----------------------------------------------------
| v
| ----------------
| | AUTHENTICATION |
| ----------------
-------------------------------------- |
| | |
| -------------- | -------------
v v v v
------------------- -----------------
| BRAND INDEPENDENT | | BRAND DEPENDENT |
| OFFER | | OFFER |
------------------- -----------------
| |
| |
| |
| -------------------
v v
--------- --------------
| PAYMENT | | PAYMENT WITH |
| (first) | | DELIVERY |
--------- --------------
|
----
v
---------- ---------
| DELIVERY | | PAYMENT |
| | | {second)|
---------- ---------
|
-----------------------------> STOP
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 29 Baseline Value Exchange IOTP Transaction
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The Baseline Value Exchange IOTP Transaction occurs in two basic
forms:
o Brand Dependent Value Exchange. Where the content of the offer,
for example the rate at which one form of value is exchanged for
another, is dependent on the payment brands and protocols selected
by the consumer, and
o Brand Independent Value Exchange. Where the content of the offer
is not dependent on the payment brands and protocols selected.
Note: In the above the role is a Merchant even though the
Organisation carrying out the Value Exchange may be a Bank or some
other Financial Institution. This is because the Bank is acting as a
merchant in that they are making an offer which the Consumer can
either accept or decline.
The TPO Block and Offer Response Block may only be combined into the
same IOTP Message if the content of the Offer Response Block does not
change as a result of selecting the payment brands and payment
protocols to be used in the Value Exchange.
BASELINE VALUE EXCHANGE SIGNATURES
The use of signatures to ensure the integrity of a Baseline Value
Exchange is illustrated by the diagram below.
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*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
Signature generated IotpMsg (TPO)
by Merchant ensures - Trans Ref Block
integrity of the Offer --------> - - Signature Block
| - TPO Block MERCHANT
| - Offer Response Block
|
Signature generated by |
the Payment Handler of | IotpMsg (Pay Resp 1)
the first payment binds | - Trans Ref Block PAYMENT
Pay Receipt for the first -----> -> - Signature Block ----- HANDLER
payment to the Offer - Pay Response Block 1 | 1
|
Signature generated by |
the Payment Handler of IotpMsg (Pay Resp 2) | PAYMENT
the second payment binds - Trans Ref Block | HANDLER
the second payment to the -----> - Signature Block <------ 2
first payment and therefore - Pay Response Block 2
to the Offer
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 30 Baseline Value Exchange Signatures
9.1.12 Valid Combinations of Document Exchanges
The following diagram illustrates the data conditions in the various
IOTP messages which can be used by a Consumer Trading Role to
determine whether the combination of Document Exchanges are valid.
*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
START
|
v
Auth Request Block in =TRUE
first IOTP Message ? ---------------------------------------
| = FALSE |
v v
Offer Response Block in ----------------
first IOTP Message ? | AUTHENTICATION |
|=TRUE |=FALSE ----------------
| | |
| | v
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| ---------------------- TPO & Offer Response
------------- | Blocks in last IOTP Msg
| | |=TRUE |=FALSE
| | | v
| ------------- | ---- TPO Block only if
| | | last IOTP Message
| | | of Authentication
| | | |=TRUE |=FALSE
v v v v |
------------------- ----------------- |
| BRAND INDEPENDENT | | BRAND DEPENDENT | |
| OFFER | | OFFER | |
------------------- ----------------- |
| | |
v v |
Offer Response Block contains |
Delivery Component ? |
|=FALSE |=TRUE |
--- v |
| Value of DelivAndPayResp |
| attribute of Delivery Component ? |
| |=FALSE |=TRUE |
| | | |
v v v |
--------- -------------- |
| PAYMENT | | PAYMENT WITH | |
| (first) | | DELIVERY | |
--------- -------------- |
| | |
v | |
Offer and Response Block contains -------------->|
Delivery Component ? |
|=TRUE |=FALSE |
| v |
| Two Payment Components |
| present in Offer Response Block? |
| |=TRUE |=FALSE |
v v | |
---------- --------- | |
| DELIVERY | | PAYMENT | | |
| | | {second)| | |
---------- --------- | |
| | | v
----------------------------------------------> STOP
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 31 Valid Combinations of Document Exchanges
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1) If first IOTP Message of an IOTP Transaction contains an
Authentication Request then:
a) IOTP Transaction includes an Authentication Document Exchange
(see section 9.1.1). (Note 1)
b) If the last IOTP Message of the Authentication Document
Exchange includes a TPO Block and an Offer Response Block then:
i) IOTP Transaction includes a Brand Independent Offer Document
Exchange (see section 9.1.2.2). (Note 2)
c) Otherwise, if the last IOTP Message of the Authentication
Exchange includes a TPO Block but NO Offer Response Block,
then:
i) IOTP Transaction includes a Brand Dependent Offer Document
Exchange (see section 9.1.2.1). (Note 2)
d) Otherwise (Authentication Status IOTP Message of the
Authentication Document Exchange contains neither a TPO Block
but nor an Offer Response Block)
i) IOTP Transaction consists of just an Authentication Document
Exchange. (Note 3)
2) Otherwise (no Authentication Request in first IOTP Message):
e) IOTP Transaction does not include an Authentication Document
Exchange (Note 2)
f) If first IOTP Message contains an Offer Response Block, then:
i) the IOTP Transaction contains a Brand Independent Offer
Document Exchange (Note 2)
g) Otherwise (no Offer Response Block in first IOTP Message):
i) the IOTP Transaction includes a Brand Dependent Offer
Document Exchange (Note 2)
3) If an Offer Response Block exists in any IOTP message then:
h) If the Offer Response Block contains a Delivery Component then:
i) If the DelivAndPayResp attribute of the Delivery Component
is set to True, then:
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(1) the IOTP Transaction consists of a Payment And Delivery
Document Exchange (see section 9.1.5) (Note 4)
ii) otherwise (the DelivAndPayResp attribute of the Delivery
Component is set to False)
(1) the IOTP Transaction consists of a Payment Document
Exchange (see section 9.1.3) followed by a Delivery
Document Exchange (see section 9.1.4) (Note 4)
i) otherwise (the Offer Response Block does not contain a Delivery
Component)
i) if the Offer Response Block contains just one Payment
Component, then:
(1) the IOTP Transaction contains just one Payment Document
Exchange (Note 5)
ii) if the Offer Response Block contains two Payment Components,
then:
(1) the IOTP Transaction contains two Payment Document
Exchanges. The StartAfter attribute of the Payment
Components is used to indicate which payment occurs
first (Note 6)
iii) if the Offer Response Block contains no or more than two
Payment Components, then there is an error
4) Otherwise (no Offer Response Block) there is an error.
The following table indicates the types of IOTP Transactions which
can validly have the conditions indicated above.
Note IOTP Transaction Validity
1. Any Payment and Authentication IOTP Transaction
2. Any Payment and Authentication IOTP Transaction except Baseline
Authentication
3. Either Baseline Authentication, or a Baseline Purchase, Refund,
Deposit, Withdrawal or Value Exchange with a failed Authentication
4. Baseline Purchase only
5. Baseline Purchase, Refund, Deposit or Withdrawal
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6. Baseline Value Exchange only
9.1.13 Combining Authentication Transactions with other Transactions
In the previous sections an Authentication Document Exchange is shown
preceding an Offer Document Exchange as part of a single IOTP
Transaction with the same IOTP Transaction Id.
It is also possible to run a separate Authentication Transaction at
any point, even in parallel with another IOTP Transaction. Typically
this will be used:
o by a Consumer to authenticate a Merchant, Payment Handler or a
Delivery Handler, or
o by a Payment Handler or Delivery Handler to authenticate a
Consumer.
In outline the basic process consists of:
o the Trading Role that decides it wants to carry out an
authentication of another role suspends the current IOTP
transaction being carried out
o a stand-alone Authentication transaction is then carried out. This
may, at implementer's option, be linked to the original IOTP
Transaction using a Related To Component (see section 3.3.3) in
the Transaction Reference Block.
o if the Authentication transaction is successful, then the original
IOTP Transaction is restarted
o if the Authentication fails then the original IOTP Transaction is
cancelled.
For example, a Consumer could:
o authenticate the Payment Handler for a Payment between receiving
an Offer Response from a Merchant and before sending the Payment
Request to that Payment Handler
o authenticate a Delivery Handler for a Delivery between receiving
the Payment Response from a Payment Handler and before sending the
Delivery Request
A Payment Handler could authenticate a Consumer after receiving the
Payment Request and before sending the next Payment related message.
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A Delivery Handler could authenticate a Consumer after receiving the
Delivery Request and before sending the Delivery Response.
Note: Some Payment Methods may carry out an authentication within the
Payment Exchange. In this case the information required to carry out
the authentication will be included in Payment Scheme Components.
In this instance IOTP aware application will not be aware that an
authentication has occurred since the Payment Scheme Components that
contain authentication request information will be indistinguishable
from other Payment Scheme Components.
9.2 Infrastructure Transactions
Infrastructure Transactions are designed to support inquiries about
whether or not a transaction has succeeded or a Trading Role's
servers are operating correctly. There are two types of transaction:
o a Transaction Status Inquiry Transaction which provides
information on the status of an existing or complete IOTP
transaction, and
o Ping Transaction that enables one IOTP aware application to
determine if the IOTP aware application at another Trading Role is
operating and verify whether or not signatures can be handled.
Each of these is described below
9.2.1 Baseline Transaction Status Inquiry IOTP Transaction
The Baseline IOTP Transaction Status Inquiry provides information on
the status of an existing or complete IOTP transaction.
The Trading Blocks used by the Baseline Transaction Status Inquiry
Transaction are:
o an Inquiry Request Trading Block (see section 8.12),
o an Inquiry Response Trading Block (see section 8.13)
o an optional Signature Block (see section 8.16).
The Inquiry IOTP Transaction can be used for a variety of reasons.
For example:
o to help in resuming a suspended transaction to determine the
current state of processing of one of the other roles,
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o for a merchant to determine if a payment, delivery, etc., was
completed. For example, a Consumer might claim that payment was
made but no signed IOTP payment receipt was available to prove it.
If the Merchant makes an inquiry of the Payment Handler then the
Merchant can determine whether or not payment was made.
Note: Inquiries on Baseline Ping IOTP Transactions (see section
9.2.2) are ignored.
MAKING INQUIRIES OF ANOTHER TRADING ROLE
One Trading Role may make an inquiry of any other Trading Role at any
point in time.
IOTP aware software that supports the Consumer Trading Role may not:
o digitally sign a response if requested, since it may not have the
capability, or
o respond to an Inquiry Request at all since it may not be on-line,
or may consider that the request is not reasonable since, for
example, the Request was not digitally signed.
As a guideline:
o the Consumer should send a Transaction Status Inquiry Block to a
Trading Role only after the following events have occurred:
- to the Merchant, after sending a TPO Selection Block,
- to the Payment Handler, after sending a Payment Request Block,
- to the Delivery Handler, after sending a Delivery Request Block,
o other Trading Roles should send a Transaction Status Inquiry Block
to the Consumer only after receiving a message from the Consumer
and before sending the final "Response" message to the Consumer
o there are no restrictions on non-Consumer Trading Roles sending
Inquiries to other trading roles.
TRANSACTION STATUS INQUIRY TRANSPORT SESSION
For a Transaction Status Inquiry on an ongoing transaction a
different transport session from the ongoing transaction is used. For
a Transaction Status Inquiry on a past transaction, how the IOTP
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module on the software at the Trading Role is started upon the
receipt of Inquiry Request message is defined in each Mapping to
Transport supplement for IOTP.
TRANSACTION STATUS INQUIRY ERROR HANDLING
Errors in a Transaction Status Inquiry can be categorised into one of
the following three cases:
o Business errors (see section 4.2) in the original (inquired)
messages
o Technical errors (see section 4.1) - both IOTP and payment scheme
specific ones - in the original IOTP (inquired) messages
o Technical errors in the message containing the Inquiry Request
Block itself
The following outlines what the software should do in each case
BUSINESS ERRORS IN THE ORIGINAL MESSAGES
Return an Inquiry Response Block containing the Status Component
which was last sent to the Consumer Role.
TECHNICAL ERRORS IN THE ORIGINAL MESSAGES
Return an Inquiry Response Block containing a Status Component. The
Status Component should contain a ProcessState attribute set to
ProcessError. In this case send back an Error Block indicating where
the error was found in the original message.
TECHNICAL ERRORS IN THE INQUIRY REQUEST BLOCK
Return an Error message. That is, send back an Error Block containing
the Error Code (see section 7.21.2) which describes the nature of the
error in the Inquiry Request message.
INQUIRY TRANSACTION MESSAGES
The following Figure outlines the Baseline IOTP Transaction Status
Inquiry process.
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*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
1st Role
| 2nd Role
STEP | |
1. The first role decides to inquire on an IOTP Transaction
by, for example, clicking on the inquiry button of an
IOTP Aware Application. This will then generate an
Inquiry Request Block and send it to the appropriate
Trading Role.
1 --> 2 INQUIRY REQUEST. IotpMsg: TransRef Block; Signature Block
(optional); Inquiry Request Block
2. The Trading Role checks the digital signature (if
present). If the recipient wants to respond, then the
Trading Role checks the transaction status of the
transaction that is being inquired upon by using the
IotpTransId in the Transaction ID Component of the
Transaction Reference Block, then generates the
appropriate Inquiry Response Block, sends the message
back to the 1st Role and stops
1 <-- 2 INQUIRY RESPONSE. IotpMsg: TransRef Block; Inquiry
Response Block; Signature Block (Optional)
3. First role checks the Inquiry Response Block and optional
signature, takes whatever action is appropriate or
perhaps stops. This may include displaying status
information to the end user.
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 32 Baseline Transaction Status Inquiry
The remainder of this sub-section on the Baseline Transaction Status
Inquiry IOTP Transaction defines the contents of each Trading Block.
Note that the term "original transaction" is the transaction which a
trading role wants to discover some information about.
TRANSACTION REFERENCE BLOCK
A Trading Role making an inquiry must use a Transaction Id Component
(see section 3.3.1) where both the IotpTransId and TransTimeStamp
attributes are the same as in the Transaction Id Component of the
original transaction that is being inquired upon. The IotpTransId
attribute in this component serves as the key in querying the
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transaction logs maintained at the Trading Role's site. The value of
the ID attribute of the Message Id Component should be different from
those of any in the original transaction (see section 3.4.1).
If up-to-date status information is required then the MsgId
Component, and in particular the ID attribute for the MsgId Component
must be different from any other IOTP Message that has been sent by
the Trading Role. This is required because of the way that
Idempotency is handled by IOTP (see section 4.5.2.2 Checking/Handling
Duplicate Messages).
INQUIRY REQUEST BLOCK
The Inquiry Request Block (see section 8.12) contains the following
components:
o one Inquiry Type Component (see section 7.18). This identifies
whether the inquiry is on an offer, payment, or delivery.
o zero or one Payment Scheme Components (see section 7.10). This is
for encapsulating payment scheme specific inquiry messages for
inquiries on a payment.
SIGNATURE BLOCK (INQUIRY REQUEST)
If a signature block is present on the message containing the Inquiry
Request Block then it may be checked to determine if the Inquiry
Request is authorised.
If present, the Inquiry Request Signature Block (see section 8.12)
contains the following components:
o one Signature Component (see section 7.19)
o one or more Certificate Components, if required.
Inquiry Response Blocks should only be generated if the Transaction
is authorised.
Note: Digital signatures on an Inquiry Request is only likely to
occur if the recipient of the request expects the Inquiry Request to
be signed. In this version of IOTP this will require some kind of
pre-existing agreement. This means that:
o Consumers are unlikely to generate requests with signatures,
although it is not an error if they do
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o the other trading roles may agree that digital signatures are
required. For example a Payment Handler may require that an
Inquiry Request is digitally signed by the Merchant so that they
can check that the request is valid.
On the other hand if the original transaction to which the Inquiry
relates was carried out over a secure channel (e.g., [SSL]) then it
is probably reasonable to presume that if the sender of the Inquiry
knows the Transaction Id component of the original message (including
for example the timestamp) then the inquiry is likely to be genuine.
INQUIRY RESPONSE BLOCK
The Inquiry Response Block (see section 8.13) contains the following
components:
o one Status Component (see section 7.16). This component holds the
status information on the inquired transaction,
o zero or one Payment Scheme Components. These contain encapsulated
payment scheme specific inquiry messages for inquiries on payment.
SIGNATURE BLOCK (INQUIRY RESPONSE)
If a signature block is present on the message containing the Inquiry
Response Block then it may be checked by the receiver of the block to
determine if the Inquiry Response is valid.
If present, the Inquiry Response Signature Block (see section 8.13)
contains the following components:
o one Signature Component (see section 7.19)
o one or more Certificate Components, if required.
Note: Digital signatures on an Inquiry Response is only likely to
occur if the recipient of the response expects the Inquiry Request to
be signed. In this version of IOTP this will require some kind of
pre-existing agreement. This means that:
o Consumers are unlikely to generate responses with signatures,
although it is not an error if they do
o the other trading roles may agree that digital signatures are
required. For example a Merchant may require that an Inquiry
Response is digitally signed by the Payment Handler so that they
can check that the request response is valid.
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9.2.2 Baseline Ping IOTP Transaction
The purpose of the Baseline IOTP Ping Transaction is to test basic
connectivity between the Trading Roles that may take part in an IOTP
Transaction.
It enables IOTP aware application software to:
o determine if the IOTP aware application at another Trading Role is
operating, and
o verify whether or not the two trading roles signatures can be
processed.
For example it can be used by a Merchant to determine if a Payment
Handler or Delivery Handler is up and running prior to starting a
Purchase transaction that uses those trading roles.
The Trading Blocks used by the Baseline Ping IOTP Transaction are:
o a Ping Request Block (see section 8.14)
o a Ping Response Block (see section 8.15), and
o a Signature Block (see section 8.16).
PING MESSAGES
The following figure outlines the message flows in the Baseline IOTP
Ping Transaction.
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*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*
1st Role
| 2nd Role
STEP | |
1. The IOTP Aware Application in the first Trading Role
decides to check whether the counterparty IOTP
application is up and running. It generates a Ping
Request Block and optional Signature Block and sends them
to the second trading role.
1 --> 2 PING REQUEST. IotpMsg: Trans Ref Block; Signature Block
(Optional); Ping Request Block
2. The second Trading Role which receives the Ping Request
Block generates a Ping Response Block and sends it back
to the sender of the original Ping Request with a
signature block if required.
1 <-- 2 PING Response. IotpMsg: Trans Ref Block; Signature Block
(Optional); Ping Response Block
3. The first Trading Role checks the Ping Response Block and
takes appropriate action, if necessary
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Figure 33 Baseline Ping Messages
The verification that signatures can be handled is indicated by the
sender of the Ping Request Block including:
o Organisation Components that identify itself and the intended
recipient of the Ping Request Block, and
o a Signature Block that signs data in the Ping Request.
In this way the receiver of the Ping Request:
o knows who is sending the Ping Request and can therefore verify the
Signature on the Request, and
o knows who to generate a signature for on the Ping Response.
Note that a Ping Request:
o does not affect any on-going transaction
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o does NOT initiate an IOTP transaction, unlike other IOTP
transaction messages such as TPO or Transaction Status Inquiry.
All IOTP aware applications must return a Ping Response message to
the sender of a Ping Request message when it is received.
A Baseline IOTP Ping request can also contain an optional Signature
Block. IOTP aware applications can, for example, use the Signature
Block to check the recipient of a Ping Request can successfully
process and check signatures it has received.
For each Baseline Ping IOTP Transaction, each IOTP role shall
establish a different transport session from other IOTP transactions.
Any IOTP Trading Role can send a Ping request to any other IOTP
Trading Role at any time it wants. A Ping message has its own
IotpTransId, which is different from other IOTP transactions.
The remainder of this sub-section on the Baseline Ping IOTP
Transaction defines the contents of each Trading Block.
TRANSACTION REFERENCE BLOCK
The IotpTransId of a Ping transaction should be different from any
other IOTP transaction.
PING REQUEST BLOCK
If the Ping Transaction is anonymous then no Organisation Components
are included in the Ping Request Block (see section 8.7).
If the Ping Transaction is not anonymous then the Ping Request Block
contains Organisation Components for:
o the sender of the Ping Request Block, and
o the verifier of the Signature Component
If Organisation Components are present, then it indicates that the
sender of the Ping Request message has generated a Signature Block.
The signature block must be verified by the Trading Role that
receives the Ping Request Block.
SIGNATURE BLOCK (PING REQUEST)
The Ping Request Signature Block (see section 8.16) contains the
following components:
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o one Signature Component (see section 7.19)
o one or more Certificate Components, if required.
PING RESPONSE BLOCK
The Ping Response Block (see section 8.15) contains the following
component:
o the Organisation Component of the sender of the Ping Response
message
If the Ping Transaction is not anonymous then the Ping Response
additionally contains:
o copies of the Organisation Components contained in the Ping
Request Block.
SIGNATURE BLOCK (PING RESPONSE)
The Ping Response Signature Block (see section 8.16) contains the
following components:
o one Signature Component (see section 7.19)
o one or more Certificate Components, if required.
10. Retrieving Logos
This section describes how to retrieve logos for display by IOTP
aware software using the Logo Net Locations attribute contained in
the Brand Element (see section 7.7.1) and the Organisation Component
(see section 7.6).
The full address of a logo is defined as follows: Logo_address ::=
Logo_net_location "/" Logo_size Logo_color_depth ".gif"
Where:
o Logo_net_location is obtained from the LogoNetLocn attribute in
the Brand Element (see section 7.7.1) or the Organisation
Component. Note that:
- the content of this attribute is dependent on the Transport
Mechanism (such as HTTP) that is used. See the Transport
Mechanism supplement,
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- implementers should check that if the rightmost character of
Logo Net Location is set to right-slash "/" then another, right
slash should not be included when generating the Logo Address,
o Logo_size identifies the size of the logo,
o Logo_color_depth identifies the colour depth of the logo
o "gif" indicates that the logos are in "gif" format
Logo_size and Logo_color_depth are specified by the implementer of
the IOTP software that is retrieving the logo depending on the size
and colour that they want to use.
10.1 Logo Size
There are five standard sizes for logos. The sizes in pixels and the
corresponding values for Logo Size are given in the table below.
Size in Logo Size
Pixels Value
32 x 32 or exsmall
32 x 20
53 x 33 small
103 x 65 medium
180 x 114 large
263 x 166 exlarge
10.2 Logo Color Depth
There are three standard colour depths. The colour depth (including
bits per pixel) and the corresponding value for Logo_Color_Depth are
given in the table below.
Color Depth Logo Color
(bits per pixel) Depth Value
4 (16 colors) 4
8 (256 colors) nothing
24 (16 million colors) 24
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Note that if Logo Color Depth is omitted then a logo with the default
colour depth of 256 colours will be retrieved.
10.3 Logo Net Location Examples
If Logo Net Location was set to "ftp://logos.xzpay.com", then:
o "ftp://logos.xzpay.com/medium.gif" would retrieve a medium size
256 colour logo
o "http://logos.xzpay.com/small4.gif" would retrieve a small size 16
colour logo
Note: Organisations which make logos available for use with IOTP
should always make available "small" and "medium" size logos and use
the "gif" format.
11. Brands
This section contains:
o a definition of Brands and an outline of Brand Selection using
Brand Lists, and
o some XML examples of Brand Lists
11.1 Brand Definitions and Brand Selection
One of the key features of IOTP is the ability for a merchant to
offer a list of Brands from which a consumer may make a selection.
This section provides an overview of what is involved and provides
guidance on how selection of a brand and associated payment
instrument can be carried out by a Consumer. It covers:
o definitions of Payment Instruments and Brands - what are Payment
Instruments and Brands in an IOTP context. Further categorises
Brands as optionally a "Dual Brand" or a "Promotional Brand",
o identification and selection of Promotional Brands - Promotional
Brands offer a Consumer some additional benefit, for example
loyalty points or a discount. This means that both Consumers and
Merchant must be able to correctly identify that a valid
Promotional Brand is being used.
Also see the following sections:
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o Brand List Component (section 7.7) which contains definitions of
the XML elements which contain the list of Brands offered by a
Merchant to a Consumer, and
o Brand Selection Component (section 7.8) for details of how a
Consumer records the Brand, currency, amount and payment protocol
that was selected.
11.1.1 Definition of Payment Instrument
A Payment Instrument is the means by which a Consumer pays for goods
or services offered by a Merchant. It can be, for example:
o a credit card such as MasterCard or Visa;
o a debit card such as MasterCard's Maestro;
o a smart card based electronic cash payment instrument such as a
Mondex Card, a GeldKarte card or a Visa Cash card
o a software based electronic payment account such as a CyberCash or
DigiCash account.
Most Payment Instruments have a number, typically an account number,
by which the Payment Instrument can be identified.
11.1.2 Definition of Brand
A Brand is the mark which identifies a particular type of Payment
Instrument. A list of Brands are the payment options which are
presented by the Merchant to the Consumer and from which the Consumer
makes a selection. Each Brand may have a different Payment Handler.
Examples of Brands include:
o payment association and proprietary Brands, for example
MasterCard, Visa, American Express, Diners Club, Mondex,
GeldKarte, CyberCash, etc.
o promotional brands (see below). These include:
- store brands, where the Payment Instrument is issued to a
Consumer by a particular Merchant, for example Walmart, Sears,
or Marks and Spencer (UK)
- cobrands, for example American Advantage Visa, where an
Organisation uses their own brand in conjunction with,
typically, a payment association Brand.
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11.1.3 Definition of Dual Brand
A Dual Brand means that a single payment instrument may be used as if
it were two separate Brands. For example there could be a single
Japanese "UC" MasterCard which can be used as either a UC card or a
regular MasterCard. The UC card Brand and the MasterCard Brand could
each have their own separate Payment Handlers. This means that:
o the merchant treats, for example "UC" and "MasterCard" as two
separate Brands when offering a list of Brands to the Consumer,
o the consumer chooses a Brand, for example either "UC" or
"MasterCard,
o the consumer IOTP aware application determines which Payment
Instrument(s) match the chosen Brand, and selects, perhaps with
user assistance, the correct Payment Instrument to use.
Note: Dual Brands need no special treatment by the Merchant and
therefore no explicit reference is made to Dual Brands in the DTD.
This is because, as far as the Merchant is concerned, each Brand in a
Dual Brand is treated as a separate Brand. It is at the Consumer,
that the matching of a Brand to a Dual Brand Payment Instrument needs
to be done.
11.1.4 Definition of Promotional Brand
A Promotional Brand means that, if the Consumer pays with that Brand,
then the Consumer will receive some additional benefit which can be
received in two ways:
o at the time of purchase. For example if a Consumer pays with a
"Walmart MasterCard" at a Walmart web site, then a 5% discount
might apply, which means the consumer actually pays less,
o from their Payment Instrument (card) issuer when the payment
appears on their statement. For example loyalty points in a
frequent flyer scheme could be awarded based on the total payments
made with the Payment Instrument since the last statement was
issued.
Note that:
o the first example (obtaining the benefit at the time of purchase),
requires that:
- the Consumer is informed of the benefits which arise if that
Brand is selected
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- if the Brand is selected, the Merchant changes the relevant
IOTP Components in the Offer Response to reflect the correct
amount to be paid
o the second (obtaining a benefit through the Payment Instrument
issuer) does not require that the Offer Response is changed
o each Promotional Brand should be identified as a separate Brand in
the list of Brands offered by the Merchant. For example:
"Walmart", "Sears", "Marks and Spencer" and "American Advantage
Visa", would each be a separate Brand.
11.1.5 Identifying Promotional Brands
There are two problems which need to handled in identifying
Promotional Brands:
o how does the Merchant or their Payment Handler positively identify
the promotional brand being used at the time of purchase
o how does the Consumer reliably identify the correct promotional
brand from the Brand List presented by the Merchant
The following is a description of how this could be achieved.
Note: Please note that the approach described here is a model
approach that solves the problem. Other equivalent methods may be
used.
11.1.5.1 Merchant/Payment Handler Identification of Promotional Brands
Correct identification that the Consumer is paying using a
Promotional Brand is important since a Consumer might fraudulently
claim to have a Promotional Brand that offers a reduced payment
amount when in reality they do not.
Two approaches seem possible:
o use some feature of the Payment Instrument or the payment method
to positively identify the Brand being used. For example, the SET
certificate for the Brand could be used, if one is available, or
o use the Payment Instrument (card) number to look up information
about the Payment Instrument on a Payment Instrument issuer
database to determine if the Payment Instrument is a promotional
brand.
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Note that:
o the first assumes that SET is available.
o the second is only possible if the Merchant, or alternatively the
Payment Handler, has access to card issuer information.
IOTP does not provide the Merchant with Payment Instrument
information (e.g., a card or account number). This is only sent as
part of the encapsulated payment protocol to a Payment Handler. This
means that:
o the Merchant would have to assume that the Payment Instrument
selected was a valid Promotional Brand, or
o the Payment Handler would have to check that the Payment
Instrument was for the valid Promotional Brand and fail the
payment if it was not.
A Payment Handler checking that a brand is a valid Promotional Brand
is most likely if the Payment Handler is also the Card Issuer.
11.1.5.2 Consumer Selection of Promotional Brands
Two ways by which a Consumer can correctly select a Promotional Brand
are:
o the Consumer visually matching a logo for the Promotional Brand
which has been provided to the Consumer by the Merchant,
o the Consumer's IOTP aware application matching a code for the
Promotional Brand which the application has registered against a
similar code contained in the list of Brands offered by the
Merchant.
In the latter case, the code contained in the Consumer wallet must
match exactly the code in the list offered by the Merchant otherwise
no match will be found. Ways in which the Consumer's IOTP Aware
Application could obtain such a code include:
o the Consumer types the code in directly. This is error prone and
not user friendly, also the consumer needs to be provided with the
code. This approach is not recommended,
o using one of the Brand Identifiers defined by IOTP and pre-loaded
into the Consumers IOTP Aware application or wallet by the
developer of the Wallet,
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o using some information contained in the software or other data
associated with the Payment Instrument. This could be:
- a SET certificate for Brands which use this payment method
- a code provided by the payment software which handles the
particular payment method, this could apply to, for example,
GeldKarte, Mondex, CyberCash and DigiCash,
o the consumer making an initial "manual" link between a Promotional
Brand in the list of Brands offered by the Merchant and an
individual Payment Instrument, the first time the promotional
brand is used. The IOTP Aware application would then "remember"
the code for the Promotional Brand for use in future purchases.
11.1.5.3 Consumer Software Brand Id recommendation
New Brand Ids are allocated under IANA procedures (see section 12
IANA Considerations). Which also contains an initial list of Brand
Identifiers.
It is recommended that implementers of consumer IOTP aware
applications (e.g., software wallets) pre-load their software with
the then current set of Brand Ids and provide a method by which they
can be updated. For example, by going to the software developer's web
site.
11.2 Brand List Examples
This example contains three examples of the XML for a Brand List
Component. It covers:
o a simple credit card based example
o a credit card based brand list including promotional credit card
brands, and
o a complex electronic cash based brand list
Note that:
o brand lists can be as complex or as simple as required
o all example techniques described in this appendix can be included
in one brand list.
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11.2.1 Simple Credit Card Based Example
This is a simple example involving:
o only major credit card payment brands
o a single price in a single currency
o a single Payment Handler, and
o a single payment protocol
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11.2.2 Credit Card Brand List Including Promotional Brands
An example of a Credit Card based Brand List follows. It includes:
o two ordinary card association brands and two promotional credit
card brands. The promotional brands consist of one loyalty based
(British Airways MasterCard) which offers additional loyalty
points and one store based (Walmart) which offers a discount on
purchases over a certain amount
o two payment protocols:
- SET (Secure Electronic Transactions) see [SET], and
- SCCD (Secure Channel Credit Debit) see [SCCD].
238djqw1298erh18dhoire
238djqw1298erh18dhoire
8ueu26e482hd82he82
82hd82he8226e48ueu
11.2.3 Brand Selection Example
In order to pay by 'British Airways' MasterCard using the example
above using SET and therefore getting double air miles, the Brand
Selection would be:
11.2.4 Complex Electronic Cash Based Brand List
The following is an fairly complex example which includes:
o payments using either Mondex, GeldKarte, CyberCash or DigiCash
o in currencies including US dollars, British Pounds, Italian Lira,
German Marks and Canadian Dollars
o a discount on the price if the payment is made in Mondex using
British pounds or US dollars, and
o more than one Payment Handler is used for payments involving
Mondex or CyberCash
o support for more than one version of a CyberCash CyberCoin payment
protocol.
12. IANA Considerations
This section describes the codes that are controlled by IANA, and
also how new codes can be created for testing purposes that are not
controlled by IANA.
12.1 Codes Controlled by IANA
To help ensure interoperability, there is a need for codes used by
IOTP to be maintained in a controlled environment so that their
meaning and usage are well defined and duplicate codes avoided.
[IANA] is the mechanism to be used for this purpose as described in
RFC 2434.
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The element types and attributes names to which this procedure
applies is shown in the table below together with the initial values
that are valid for these attributes.
Note that:
o the IETF Trade mailing list's email address is ietf-
trade@elistx.com
o "Designated Experts" (see [IANA]) are appointed by the IESG.
Element Type/ Attribute Values
Attribute Name
Algorithm/ "sha1" - indicates that a [SHA1] authentication
Name will apply
(When Algorithm
is a child of an "signature" - indicates that authentication
AuthReq consists of the generation of a digital signature.
Component)
"Pay:ppp" where "ppp" may be set to any valid
value for "iotpbrand" (see below)
With the exception of Algorithms that begin with
"pay:", new values are allocated following review
on the IETF Trade mailing list and by the
Designated Expert.
Note: The Algorithm element is likely to be eventually defined
within the [DSIG] name space. It is likely that the maintenance
procedure defined here may need to vary over time, as the DSIG
proposals become more widely adopted.
Element Type/ Attribute Values
Attribute Name
Brand/BrandId The following list of initial BrandIds have been
taken from those Organisations that have applied
for SET certificates as at 1st June 1999:
"Amex" - American Express
"Dankort" - Dankort
"JCB" - JCB
"Maestro" - Maestro
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"MasterCard" - MasterCard
"NICOS" - NICOS
"VISA" - Visa
In addition the following Brand Id values are
defined:
"Mondex"
"GeldKarte"
New values of BrandId must be announced to the
IETF Trade mailing list and, if there are no
objections within three weeks, are allocated on a
"first come first served" basis.
CurrencyAmount/ Currency codes are dependent on CurrCodeType (see
CurrCode below).
If CurrCodeType is "ISO4217-A" then the currency
code is an alphabetic currency code as defined by
[ISO4217].
If CurrCodeType is "IOTP" then new values must be
announced to the IETF Trade mailing list and, if
there are no objections within three weeks, are
allocated on a "first come first served" basis.
Note: The Currency Code Type of IOTP, is designed to allow the
support of "new" psuedo currencies such as loyalty or frequent flyer
points. At the time of writing this specification, no currency codes
of this type have been defined.
Element Type/ Attribute Values
Attribute Name
CurrencyAmount/ "ISO4217-A"
CurrCodeType
"IOTP"
New values of CurrCodeType attribute are allocated
following review on the IETF Trade mailing list
and by the Designated Expert.
DeliveryData/ "Post"
DelivMethod
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"Web"
"Email"
New values of Delivery Method attribute are
allocated following review on the IETF Trade
mailing list and by the Designated Expert. This
may require the publication of additional
documentation to describe how the delivery method
is used.
PackagedContent/ "PCDATA"
Content
"MIME"
"MIME:mimetype" (where mimetype must be the same
as content-type as defined by [MIME] )
"XML"
If the Content attribute is of the form
"MIME"mimetype", then control of new values for
"mimetype" is as defined in [MIME].
Otherwise, new values of the Content attribute are
allocated following review on the IETF Trade
mailing list and by the Designated Expert. This
may require the publication of additional
documentation to describe how the new attribute is
used within a Packaged Content element.
RelatedTo/ "IotpTransaction"
RelationshipType
"Reference"
New values of the RelationshipType attribute are
allocated following review on the IETF Trade
Working Group mailing list and by the Designated
Expert. This may require the publication of
additional documentation to describe how the
Element Type/ Attribute Values
Attribute Name
delivery method is used.
Status/ Offer
StatusType
Payment
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Delivery
Authentication
Unidentified
New values of the Status Type attribute are
allocated following:
o publication to the IETF Trade Working Group,
of an RFC describing the Trading Exchange,
Trading Roles and associated components that
relate to the Status, and
o review of the document on the IETF Trade
mailing list and by the Designated Expert.
Note: The document describing new values for the Status Type
attribute may be combined with documents that describe new Trading
Roles and types of signatures (see below).
TradingRole/ "Consumer"
TradingRole
"Merchant"
"PaymentHandler"
"DeliveryHandler"
"DelivTo"
"CustCare"
New values of the Trading Role attribute are
allocated following:
o publication to the IETF Trade Working Group,
of an RFC describing the Trading Exchange,
Trading Roles and associated components that
relate to the Trading Role, and
o review of the document on the IETF Trade
mailing list and by the Designated Expert.
Note: The document describing new values for the Trading Role
attribute may be
Element Type/ Attribute Values
Attribute Name
combined with documents that describe
new Status Types (see above) and
types of signatures (see below).
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TransId/ "BaselineAuthentication"
IotpTransType
"BaselineDeposit"
"BaselinePurchase"
"BaselineRefund"
"BaselineWithdrawal"
"BaselineValueExchange"
"BaselineInquiry"
"BaselinePing"
New values of the IotpTransType attribute are
allocated following:
o publication to the IETF Trade mailing list, of
an RFC describing the new IOTP Transaction, and
o review of the document on the IETF Trade
Working Group mailing list and by the
Designated Expert.
Attribute/ Content
(see Signature
"OfferResponse"
Component) "PaymentResponse"
"DeliveryResponse"
"AuthenticationRequest"
"AuthenticationResponse"
"PingRequest"
"PingResponse"
New values of the code that define the type of a
signature are allocated following:
o publication to the IETF Trade Working Group,
of an RFC describing the Trading Exchange where
the signature is being used, and
o review of the document on the IETF Trade
mailing list and by the Designated Expert.
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Element Type/ Attribute Values
Attribute Name
Note: The document describing new values for the types of signatures
may be combined with documents that describe new Status Types and
Trading Roles (see above).
12.2 Codes not controlled by IANA
In addition to the formal development and registration of codes as
described above, there is still a need for developers to experiment
using new IOTP codes. For this reason, "user defined codes" may be
used to identify additional values for the codes contained within
this specification without the need for them to be registered with
IANA.
The definition of a user defined code is as follows:
user_defined_code ::= ( "x-" | "X-" ) NameChar (NameChar)*
NameChar NameChar has the same definition as the [XML]
definition of NameChar
Use of domain names (see [DNS]) to make user defined codes unique is
recommended although this method cannot be relied upon.
13. Internet Open Trading Protocol Data Type Definition
This section contains the XML DTD for the Internet Open Trading
Protocols.
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14. Glossary
This section contains a glossary of some of the terms used within
this specification in alphabetical order.
NAME DESCRIPTION
Authenticator The Organisation which is requesting the
authentication of another Organisation, and
Authenticatee The Organisation being authenticated by an
Authenticator
Business Error See Status Component.
Brand A Brand is the mark which identifies a particular
type of Payment Instrument. A list of Brands are
the payment options which are presented by the
Merchant to the Consumer and from which the
Consumer makes a selection. Each Brand may have a
different Payment Handler. Examples of Brands
include:
o payment association and proprietary Brands,
for example MasterCard, Visa, American Express,
Diners Club, American Express, Mondex,
GeldKarte, CyberCash, etc.
o Promotional Brands (see below). These include:
o store Brands, where the Payment Instrument is
issued to a Consumer by a particular Merchant,
for example Walmart, Sears, or Marks and
Spencer (UK)
o coBrands, for example American Advantage Visa,
where an a company uses their own Brand in
conjunction with, typically, a payment
association Brand.
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Consumer The Organisation which is to receive the benefit
of and typically pay for the goods or services.
ContentSoftwareId This contains information which identifies the
software which generated the content of the
element. Its purpose is to help resolve
interoperability problems that might occur as a
result of incompatibilities between messages
produced by different software. It is a single
text string in the language defined by xml:lang.
It must contain, as a minimum:
o the name of the software manufacturer
o the name of the software
o the version of the software, and
o the build of the software
It is recommended that this attribute is included
whenever the software which generated the content
cannot be identified from the SoftwareId attribute
on the Message Id Component (see section 3.3.2)
Customer Care An Organisation that is providing customer care
Provider typically on behalf of a Merchant. Examples of
customer care include, responding to problems
raised by a Consumer arising from an IOTP
Transaction that the Consumer took part in.
Delivery Handler The Organisation that directly delivers the goods
or services to the Consumer on behalf of the
Merchant. Delivery can be in the form of either
digital goods (e.g., a [MIME] message), or
physically delivered using the post or a courier.
Document Exchange A Document Exchange consists of a set of IOTP
Messages exchanged between two parties that
implement part or all of two Trading Exchanges
simultaneously in order to minimise the number of
actual IOTP Messages which must be sent over the
Internet.
Document Exchanges are combined together in
sequence to implement a particular IOTP
Transaction.
Dual Brand A Dual Brand means that a single Payment
Instrument may be used as if it were two separate
Brands. For example there could be a single
Japanese "UC" MasterCard which can be used as
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either a UC card or a regular MasterCard. The UC
card Brand and the MasterCard Brand could each
have their own separate Payment Handlers. This
means that:
o the Merchant treats, for example "UC" and
"MasterCard" as two separate Brands when
offering a list of Brands to the Consumer,
o the Consumer chooses a Brand, for example
either "UC" or "MasterCard,
o the Consumer IOTP aware application determines
which Payment Instrument(s) match the chosen
Brand, and selects, perhaps with user
assistance, the correct Payment Instrument to
use.
Error Block An Error Block reports that a Technical Error was
found in an IOTP Message that was previously
received. Typically Technical Errors are caused by
errors in the XML which has been received or some
technical failure of the processing of the IOTP
Message. Frequently the generation or receipt of
an Error Block will result in failure of the IOTP
Transaction. They are distinct from Business
Errors, reported in a Status Component, which can
also cause failure of an IOTP Transaction.
Exchange Block An Exchange Block is sent between the two Trading
Roles involved in a Trading Exchange. It contains
one or more Trading Components. Exchange Blocks
are always sent after a Request Block and before a
Response Block in a Trading Exchange. The content
of an Exchange Block is dependent on the type of
Trading Exchange being carried out.
IOTP Message An IOTP Message is the outermost wrapper for the
document(s) which are sent between Trading Roles
that are taking part in a trade. It is a well
formed XML document. The documents it contains
consist of:
o a Transaction Reference Block to uniquely
identify the IOTP Transaction of which the IOTP
Message is part,
o an optional Signature Block to digitally sign
the Trading Blocks or Trading Components
associated with the IOTP Transaction
o an optional Error Block to report on technical
errors contained in a previously received IOTP
Message, and
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o a collection of IOTP Trading Blocks which
carries the data required to carry out an IOTP
Transaction.
IOTP Transaction An instance of an Internet Open Trading Protocol
Transaction consists of a set of IOTP Messages
transferred between Trading Roles. The rules for
what may be contained in the IOTP Messages is
defined by the Transaction Type of the IOTP
Transaction.
IOTP Transaction A Transaction Type identifies the type an of IOTP
Type Transaction. Examples of Transaction Type include:
Purchase, Refund, Authentication, Withdrawal,
Deposit (of electronic cash). The Transaction Type
specifies for an IOTP Transaction:
o the Trading Exchanges which may be included in
the transaction,
o how those Trading Exchanges may be combined to
meet the business needs of the transaction
o which Trading Blocks may be included in the
IOTP Messages that make up the transaction
o Consult this specification for the rules that
apply for each Transaction Type.
Merchant The Organisation from whom the service or goods
are being obtained, who is legally responsible for
providing the goods or services and receives the
benefit of any payment made
Merchant Customer The Organisation that is involved with customer
Care Provider dispute negotiation and resolution on behalf of
the Merchant
Organisation A company or individual that takes part in a Trade
as a Trading Role. The Organisations may take one
or more of the roles involved in the Trade
Payment Handler The Organisation that physically receives the
payment from the Consumer on behalf of the
Merchant
Payment A Payment Instrument is the means by which
Instrument Consumer pays for goods or services offered by a
Merchant. It can be, for example:
o a credit card such as MasterCard or Visa;
o a debit card such as MasterCard's Maestro;
o a smart card based electronic cash Payment
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Instrument such as a Mondex Card, a GeldKarte
card or a Visa Cash card
o a software based electronic payment account
such as a CyberCash's CyberCoin or DigiCash
account.
All Payment Instruments have a number, typically
an account number, by which the Payment Instrument
can be identified.
Promotional Brand A Promotional Brand means that, if the Consumer
pays with that Brand, then the Consumer will
receive some additional benefit which can be
received in two ways:
o at the time of purchase. For example if a
Consumer pays with a "Walmart MasterCard" at a
Walmart web site, then a 5% discount might
apply, which means the Consumer actually pays
less,
o from their Payment Instrument (card) issuer
when the payment appears on their statement.
For example loyalty points in a frequent flyer
scheme could be awarded based on the total
payments made with the Payment Instrument since
the last statement was issued.
Each Promotional Brand should be identified as a
separate Brand in the list of Brands offered by
the Merchant.
Receipt Component A Receipt Component is a record of the successful
completion of a Trading Exchange. Examples of
Receipt Components include: Payment Receipts, and
Delivery Notes. It's content may dependent on the
technology used to perform the Trading Exchange.
For example a Secure Electronic Transaction (SET)
payment receipt consists of SET payment messages
which record the result of the payment.
Request Block A Request Block is Trading Block that contains a
request for a Trading Exchange to start. The
Trading Components in a Request Block may be
signed by a Signature Block so that their
authenticity may be checked and to determine that
the Trading Exchange being requested is
authorised. Authorisation for a Trading Exchange
to start can be provided by the signatures
contained on Receipt Components contained in
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Response Blocks resulting from previously
completed Trading Exchanges. Examples of Request
Blocks are Payment Request and Delivery Request
Response Block A Response Block is a Trading Block that indicates
that a Trading Exchange is complete. It is sent by
the Trading Role that received a Request Block to
the Trading Role that sent the Request Block. The
Response Block contains a Status Component that
contains information about the completion of the
Trading Exchange, for example it indicates whether
or not the Trading Exchange completed
successfully. For some Trading Exchanges the
Response Block contains a Receipt Component that
forms a record of the Trading Exchange. Receipt
Components may be digitally signed using a
Signature Block to make completion non-refutable.
Examples of Response Blocks include Offer
Response, Payment Response and Delivery Response.
Signature Block A Signature Block is a Trading Block that contains
one or more digital signatures in the form of
Signature Components. A Signature Component may
digitally sign any Block or Component in any IOTP
Message in the same IOTP Transaction.
Status Component A Status Component contains information that
describes the state of a Trading Exchange.
Before the Trading Exchange is complete the Status
Component can indicate information about how the
Trading Exchange is progressing.
Once a Trading Exchange is complete the Status
Component can only indicate the success of the
Trading Exchange or that a Business Error has
occurred.
A Business Error indicates that continuation with
the Trading Exchange was not possible because of
some business rule or logic, for example,
"insufficient funds available", rather than any
Technical Error associated with the content or
format of the IOTP Messages in the IOTP
Transaction.
Technical Error See Error Block.
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Trading Block A Trading Block consists of one or more Trading
Components. One or more Trading Blocks may be
contained within the IOTP Messages which are
physically sent in the form of [XML] documents
between the different Trading Roles that are
taking part in a trade. Trading Blocks are of
three main types:
o a Request Block,
o an Exchange Block, or a
o a Response Block
Trading Component A Trading Component is a collection of XML
elements and attributes. Trading Components are
the child elements of the Trading Blocks. Examples
of Trading Components are: Offer, Brand List,
Payment Receipt, Delivery [information], Payment
Amount [information]
Trading Exchange A Trading Exchange consists of the exchange,
between two Trading Roles, of a sequence of
documents. The documents may be in the form of
Trading Blocks or they may be transferred by some
other means, for example through entering data
into a web page. Each Trading Exchange consists of
three main parts:
o the sending of a Request Block by one Trading
Role (the initiator) to another Trading Role
(the recipient),
o the optional exchange of one or more Exchange
Blocks between the recipient and the initiator,
until eventually,
o the Trading Role that received the Request
Block sends a Response Block to the initiator.
A Trading Exchange is designed to implement a
useful service of some kind. Examples of Trading
Exchanges/services are:
o Offer, which results in a Consumer receiving
an offer from a Merchant to carry out a
business transaction of some kind,
o Payment, where a Consumer makes a payment to a
Payment Handler,
o Delivery, where a Consumer requests, and
optionally obtains, delivery of goods or
services from a Delivery Handler, and
o Authentication, where any Trading Role may
request and receive information about another
Trading Role.
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Trading Role A Trading Role identifies the different ways in
which Organisations can participate in a trade.
There are five Trading Roles: Consumer, Merchant,
Payment Handler, Delivery Handler, and Merchant
Customer Care Provider.
Transaction A Transaction Reference Block identifies an IOTP
Reference Block Transaction. It contains data that identifies:
o the Transaction Type,
o the IOTP Transaction uniquely, through a
globally unique transaction identifier
o the IOTP Message uniquely within the IOTP
Transaction, through a message identifier
The Transaction Reference Block may also contain
references to other transactions which may or may
not be IOTP Transactions
15. References
This section contains references to related documents identified in
this specification.
[Base64] Freed, N. and N. Borenstein, "Multipurpose Internet Mail
Extensions (MIME) Part One: Format of Internet Message
Bodies", RFC 2045, November 1996.
[DOM-HASH] Maruyama, H., Tamura, K. and N. Uramoto, "Digest Values
for DOM (DOMHASH)", RFC 2803, April 2000.
[DNS] Mockapetris, P., "Domain names - concepts and
facilities", STD 13, RFC 1034, November 1987.
[DNS] Mockapetris, P., "Domain names - implementation and
specification", STD 13, RFC 1035, November 1987.
[DSA] The Digital Signature Algorithm (DSA) published by the
National Institute of Standards and Technology (NIST) in
the Digital Signature Standard (DSS), which is a part of
the US government's Capstone project.
[ECCDSA] Elliptic Curve Cryptosystems Digital Signature Algorithm
(ECCDSA). Elliptic curve cryptosystems are analogues of
public-key cryptosystems such as RSA in which modular
multiplication is replaced by the elliptic curve addition
operation. See: V. S. Miller. Use of elliptic curves in
cryptography. In Advances in Cryptology - Crypto '85,
pages 417-426, Springer-Verlag, 1986.
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[HMAC] Krawczyk, H., Bellare, M. and R. Canetti, "HMAC: Keyed-
Hashing for Message Authentication", RFC 2104, February
1997.
[HTML] Berners-Lee, T. and D. Connolly, "Hypertext Markup
Language - 2.0", RFC 1866, November 1995.
[HTML] Hyper Text Mark Up Language. The Hypertext Mark-up
Language (HTML) is a simple mark-up language used to
create hypertext documents that are platform independent.
See the World Wide Web (W3C) consortium web site at:
http://www.w3.org/MarkUp/
[HTTP] Berners-Lee, T., Fielding, R. and H. Frystyk, "Hypertext
Transfer Protocol -- HTTP/1.0", RFC 1945, May 1996.
[HTTP] Fielding, R., Gettys, J., Mogul, J., Frystyk, T. and T.
Berners-Lee, "Hypertext Transfer Protocol -- HTTP/1.1.",
RFC 2616, June 1999.
[IANA] The Internet Assigned Numbers Authority. The organisation
responsible for co-ordinating the names and numbers
associated with the Internet. See http://www.iana.org/
[ISO4217] ISO 4217: Codes for the Representation of Currencies.
Available from ANSI or ISO.
[IOTPDSIG] Davidson, K. and Y. Kawatsura, "Digital Signatures for
the v1.0 Internet Open Trading Protocol (IOTP)", RFC
2802, April 2000.
[MD5] Rivest, R., "The MD5 Message-Digest Algorithm", RFC 1321,
April 1992.
[MIME] Crocker, D., "Standard for the Format of ARPA Internet
Text Messages", STD 11, RFC 822, August 1982.
[MIME] Freed, N. and N. Borenstein, "Multipurpose Internet Mail
Extensions (MIME) Part One: Format of Internet Message
Bodies", RFC 2045, November 1996.
[MIME] Freed, N. and N. Borenstein, "Multipurpose Internet Mail
Extensions (MIME) Part Two: Media Types", RFC 2046,
November 1996.
[MIME] Moore, K., "MIME (Multipurpose Internet Mail Extensions)
Part Three: Message Header Extensions for Non-ASCII Text"
RFC 2047, November 1996.
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[MIME] Freed, N., Klensin, J. and J. Postel, "Multipurpose
Internet Mail Extensions (MIME) Part Four: Registration
Procedures", RFC 2048, November 1996.
[MIME] Freed, N. and N. Borenstein, "Multipurpose Internet Mail
Extensions (MIME) Part Five: Conformance Criteria and
Examples" RFC 2049, November 1996.
[OPS] Open Profiling Standard. A proposed standard which
provides a framework with built-in privacy safeguards for
the trusted exchange of profile information between
individuals and web sites. Being developed by Netscape
and Microsoft amongst others.
[RFC1738] Berners-Lee, T., Masinter, L. and M. McCahill, "Uniform
Resource Locators (URL)", RFC 1738, December 1994.
[RFC2434] Narten, T. and H. Alvestrand, "Guidelines for Writing an
IANA Considerations Section in RFCs", BCP 26, RFC 2434,
October 1998.
[RSA] RSA is a public-key cryptosystem for both encryption and
authentication supported by RSA Data Security Inc. See:
R. L. Rivest, A. Shamir, and L.M. Adleman. A method for
obtaining digital signatures and public-key
cryptosystems. Communications of the ACM, 21(2): 120-126,
February 1978.
[SCCD] Secure Channel Credit Debit. A method of conducting a
credit or debit card payment where unauthorised access to
account information is prevented through use of secure
channel transport mechanisms such as SSL/TLS. An IOTP
supplement describing how SCCD works is under
development.
[SET] Secure Electronic Transaction Specification, Version 1.0,
May 31, 1997. Supports credit and debit card payments
using certificates at the Consumer and Merchant to help
ensure authenticity. Download from:
.
[SSL/TLS] Dierks, T. and C. Allen, "The TLS Protocol Version 1.0",
RFC 2246, January 1999.
[SHA1] [FIPS-180-1]"Secure Hash Standard", National Institute of
Standards and Technology, US Department Of Commerce,
April 1995. Also known as: 59 Fed Reg. 35317 (1994). See
http://www.itl.nist.gov/div897/pubs/fip180-1.htm
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[UTC] Universal Time Co-ordinated. A method of defining time
absolutely relative to Greenwich Mean Time (GMT).
Typically of the form: "CCYY-MM-DDTHH:MM:SS.sssZ+n"
where the "+n" defines the number of hours from GMT. See
ISO DIS8601.
[UTF16] The Unicode Standard, Version 2.0. The Unicode
Consortium, Reading, Massachusetts. See ISO/IEC 10646 1
Proposed Draft Amendment 1
[X.509] ITU Recommendation X.509 1993 | ISO/IEC 9594-8: 1995,
Including Draft Amendment 1: Certificate Extensions
(Version 3 Certificate)
[XML Recommendation for Namespaces in XML, World Wide Web
Namespace] Consortium, 14 January 1999, "http://www.w3.org/TR/REC-
xml-names"
[XML] Extensible Mark Up Language. A W3C recommendation. See
http://www.w3.org/TR/1998/REC-xml-19980210 for the 10
February 1998 version.
16. Author's Address
The author of this document is:
David Burdett
Commerce One
4440 Rosewood Drive, Bldg 4
Pleasanton
California 94588
USA
Phone: +1 (925) 520 4422
EMail: david.burdett@commerceone.com
The author of this document particularly wants to thank Mondex
International Limited (www.mondex.com) for the tremendous support
provided in the formative stages of the development of this
specification.
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In addition the author appreciates the following contributors to this
protocol (in alphabetic order of company) without which it could not
have been developed.
- Phillip Mullarkey, British Telecom plc
- Andrew Marchewka, Canadian Imperial Bank of Commerce
- Brian Boesch, CyberCash Inc.
- Tom Arnold, CyberSource
- Terry Allen, Commerce One (formally Veo Systems)
- Richard Brown, GlobeSet Inc.
- Peter Chang, Hewlett Packard
- Masaaki Hiroya, Hitachi Ltd
- Yoshiaki Kawatsura, Hitachi Ltd
- Mark Linehan, International Business Machines
- Jonathan Sowler, JCP Computer Services Ltd
- John Wankmueller, MasterCard International
- Steve Fabes, Mondex International Ltd
- Donald Eastlake 3rd, Motorola Inc (formerly International
Business Machines Inc)
- Surendra Reddy, Oracle Corporation
- Akihiro Nakano, Plat Home, Inc. (ex Hitachi Ltd)
- Chris Smith, Royal Bank of Canada
- Hans Bernhard-Beykirch, SIZ (IT Development and Coordination
Centre of the German Savings Banks Organisation)
- W. Reid Carlisle, Spyrus (ex Citibank Universal Card Services,
formally AT&T Universal Card Services)
- Efrem Lipkin, Sun Microsystems
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- Tony Lewis, Visa International
The author would also like to thank the following organisations for
their support:
- Amino Communications
- DigiCash
- Fujitsu
- General Information Systems
- Globe Id Software
- Hyperion
- InterTrader
- Nobil I T Corp
- Mercantec
- Netscape
- Nippon Telegraph and Telephone Corporation
- Oracle Corporation
- Smart Card Integrations Ltd.
- Spyrus
- Verifone
- Unisource nv
- Wells Fargo Bank
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17. Full Copyright Statement
Copyright (C) The Internet Society (2000). 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.
Acknowledgement
Funding for the RFC Editor function is currently provided by the
Internet Society.
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