The 'payto' URI scheme for payments
draft-dold-payto-07

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Last updated 2019-07-29 (latest revision 2019-07-21)
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Independent Stream                                               F. Dold
Internet-Draft                                          Taler Systems SA
Intended status: Informational                               C. Grothoff
Expires: January 22, 2020                                            BFH
                                                           July 21, 2019

                  The 'payto' URI scheme for payments
                          draft-dold-payto-07

Abstract

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

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   This Internet-Draft will expire on January 22, 2020.

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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.  Internationalization and Character Encoding . . . . . . . . .   4
   7.  Security Considerations . . . . . . . . . . . . . . . . . . .   4
   8.  IANA Considerations . . . . . . . . . . . . . . . . . . . . .   5
     8.1.  URI Scheme Registration . . . . . . . . . . . . . . . . .   5
     8.2.  Payment Target Type Registry  . . . . . . . . . . . . . .   5
       8.2.1.  ACH Bank Account  . . . . . . . . . . . . . . . . . .   6
       8.2.2.  Business Identifier Code  . . . . . . . . . . . . . .   6
       8.2.3.  International Bank Account Number . . . . . . . . . .   7
       8.2.4.  Unified Payments Interface  . . . . . . . . . . . . .   7
       8.2.5.  Bitcoin Address . . . . . . . . . . . . . . . . . . .   7
       8.2.6.  Interledger Protocol Address  . . . . . . . . . . . .   8
   9.  References  . . . . . . . . . . . . . . . . . . . . . . . . .   8
     9.1.  Normative References  . . . . . . . . . . . . . . . . . .   8
     9.2.  Informational References  . . . . . . . . . . . . . . . .   9
   Authors' Addresses  . . . . . . . . . . . . . . . . . . . . . . .   9

1.  Introduction

   This document defines the 'payto' Uniform Resource Identifier (URI)
   [RFC3986] scheme for designating transfer form data for payments.  In
   particular, it always identifies the target of a payment.  A 'payto'
   URL consists of a payment target type, a target identifier and
   optional parameters such as an amount or a payment reference.

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

   A unified URI scheme for all payment target types allows applications
   to offer user interactions with URIs that represent payment targets,
   simplifying the introduction of new payment systems and applications.

2.  Syntax of a 'payto' URL

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

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     payto-URI = "payto" "://" authority path-abempty [ "?" opts ]
     opts = opt *( "&" opt )
     opt = (generic-opt / authority-specific-opt) "=" *( pchar )
     generic-opt = "amount" / "receiver-name" / "sender-name" /
                   "message" / "instruction"
     authority = ALPHA *( ALPHA / DIGIT / "-" / "." )
     path-abempty = <path-abempty, see [RFC3986], Section 3.3>
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