The 'payto' URI scheme for payments
draft-dold-payto-02

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Internet Engineering Task Force                                  F. Dold
Internet-Draft                                                     INRIA
Intended status: Informational                               C. Grothoff
Expires: April 11, 2019                                              BFH
                                                         October 8, 2018

                  The 'payto' URI scheme for payments
                          draft-dold-payto-02

Abstract

   This document defines the 'payto' Uniform Resource Identifier (URI)
   scheme for designating targets for payments.

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   This Internet-Draft is submitted in full conformance with the
   provisions of BCP 78 and BCP 79.

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   This Internet-Draft will expire on April 11, 2019.

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Table of Contents

   1.  Introduction  . . . . . . . . . . . . . . . . . . . . . . . .   2
   2.  Syntax of a 'payto' URL . . . . . . . . . . . . . . . . . . .   2
   3.  Semantics . . . . . . . . . . . . . . . . . . . . . . . . . .   3
   4.  Examples  . . . . . . . . . . . . . . . . . . . . . . . . . .   3
   5.  Generic Options . . . . . . . . . . . . . . . . . . . . . . .   3
   6.  Encoding  . . . . . . . . . . . . . . . . . . . . . . . . . .   4
   7.  Security Considerations . . . . . . . . . . . . . . . . . . .   4
   8.  IANA Considerations . . . . . . . . . . . . . . . . . . . . .   4
     8.1.  URI Scheme Registration . . . . . . . . . . . . . . . . .   4
   9.  Payto Payment Method Registry . . . . . . . . . . . . . . . .   5
   10. References  . . . . . . . . . . . . . . . . . . . . . . . . .   6
     10.1.  Normative References . . . . . . . . . . . . . . . . . .   6
     10.2.  Informational References . . . . . . . . . . . . . . . .   6
   Authors' Addresses  . . . . . . . . . . . . . . . . . . . . . . .   7

1.  Introduction

   This document defines the 'payto' Uniform Resource Identifier (URI)
   [RFC3986] scheme for designating targets for payments.  In its
   simplest form, a 'payto' URL identifies a payment target type and
   optionally a target identifier.  Additional parameters, such as an
   amount or a payment reference, can be provided.

   The interpretation of the target identifier is defined by the payment
   target type, and typically represents either a bank account or an
   (unsettled) transaction.

2.  Syntax of a 'payto' URL

   This document uses the Augmented Backus-Naur Form (ABNF) of
   [RFC5234].

     payto-URI = "payto" "://" authority path-abempty [ "?" opts ]
     opts = opt *( "&" opt )
     opt = (generic-opt / authority-specific-opt) "=" *( pchar )
     generic-opt = "amount" / "creditor-name" / "debitor-name" /
                   "message" / "instruction"
     authority = <authority, see [RFC3986], Section 3.2>
     path-abempty = <path-abempty, see [RFC3986], Section 3.3>
     pchar = <pchar, see [RFC3986], Appendix A.>

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3.  Semantics

   The authority component of a payment URI identifies the payment
   target type.  The payment target types are defined in the Payto
   Payment Target Type Registry, see Section 9.  The path component of
   the URI identifies the target for a payment as interpreted by the
   respective payment target type.  The query component of the URI can
   provide additional parameters for a payment.  Every payment method
   SHOULD accept the options defined in generic-opt.  The default
   operation of applications that invoke a URI with the payto scheme
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