INTERNET DRAFT D. Eastlake OBSOLETES RFC 2706 IBM T. Goldstein Brodia Expires May 2000 November 1999 draft-eastlake-ecom-fields2-01.txt ECML v1.1: Field Specifications for E-Commerce ---- ----- ----- -------------- --- - -------- Status of this Memo This draft is file name draft-eastlake-ecom-fields2-01.txt. Distribution of this document is unlimited. Comments should be sent to the author. This document is an Internet-Draft and is in full conformance with all provisions of Section 10 of RFC2026. Internet-Drafts are working documents of the Internet Engineering Task Force (IETF), its areas, and its working groups. Note that other groups may also distribute working documents as Internet-Drafts. Internet-Drafts are draft documents valid for a maximum of six months. Internet-Drafts may be updated, replaced, or obsoleted by other documents at any time. It is not appropriate to use Internet- Drafts as reference material or to cite them other than as a ``working draft'' or ``work in progress.'' The list of current Internet-Drafts can be accessed at http://www.ietf.org/ietf/1id-abstracts.txt The list of Internet-Draft Shadow Directories can be accessed at http://www.ietf.org/shadow.html. Copyright Notice Copyright (C) 1999, The Internet Society. All Rights Reserved. D. Eastlake, T. Goldstein [Page 1] INTERNET-DRAFT ECom Field Names November 1999 Abstract Customers are frequently required to enter substantial amounts of information at an Internet merchant site in order to complete a purchase or other transaction, especially the first time they go there. A standard set of information fields is defined as the first version of an Electronic Commerce Modeling Language (ECML) so that this task can be more easily automated, for example by wallet software that could fill in fields. Even for the manual data entry case, customers will be less confused by varying merchant sites if a substantial number adopt these standard fields. Acknowledgements The following persons, in alphabetic order, contributed substantially to the material herein: George Burne, Trintech Joe Coco, Microsoft James Salsman Kevin Weller, Visa D. Eastlake, T. Goldstein [Page 2] INTERNET-DRAFT ECom Field Names November 1999 Table of Contents Status of this Memo........................................1 Copyright Notice...........................................1 Abstract...................................................2 Acknowledgements...........................................2 Table of Contents..........................................3 1. Introduction............................................4 1.1 Background.............................................4 1.2 Relationship to Other Standards........................5 1.3 Areas Deferred to Future Versions......................5 2. Field Definitions and Schemas...........................6 2.1 Field List and Descriptions............................6 2.1.1 Field List...........................................6 2.1.2 Field Foot Notes.....................................8 2.2 Use in HTML...........................................10 2.3 An ECML 1.1 XML DTD...................................10 2.4 ECML 1.1 W3C XML Schema...............................12 2.5 ECML 1.1 IE5 XML Schema...............................12 3. Using The Fields.......................................13 3.1 Presentation of the Fields............................13 3.2 Methods and Flow of Setting the Fields................13 3.3 Examples..............................................14 3.3.1 HTML Example........................................14 3.3.2 XML Example.........................................15 4. Security and Privacy Considerations....................16 References................................................17 Appendix: Changes from ECML 1.0...........................18 Full Copyright Statement..................................19 Author's Address..........................................20 File name and Expiration..................................20 D. Eastlake, T. Goldstein [Page 3] INTERNET-DRAFT ECom Field Names November 1999 1. Introduction 1.1 Background Today, numerous merchants are successfully conducting business on the Internet using HTML-based forms. The data formats used in these forms varies considerably from one merchant to another. End-users find the diversity confusing and the process of manually filling in these forms to be tedious. The result is that many merchant forms, reportedly around two thirds, are abandoned during the fill in process. Software tools called wallets can help this situation. A digital wallet is an application or service that assists consumers in conducting online transactions by allowing them to store billing, shipping, payment, and preference information and to use this information to automatically complete merchant interactions. This greatly simplifies the check-out process and minimizes the need for a consumer to think about and complete a merchant's form every time. Digital wallets that fill forms have been successfully built into browsers, as proxy servers, as helper applications to browsers, as stand-alone applications, as browser plug-ins, and as server-based applications. But the proliferation of electronic wallets has been hampered by the lack of standards. ECML (Electronic Commerce Modeling Language, ) Version 1.1 provides a set of simple guidelines for web merchants that will enable electronic wallets from multiple vendors to fill in their web forms. The end-result is that more consumers will find shopping on the web to be easy and compelling. The set of fields documented herein was developed by the ECML Alliance which now includes, in alphabetic order, the following, the fifteen Steeting Committee members listed below and numerous General Members some of whom are listed on the ECML web site. 1. American Express (www.americanexpress.com> 2. AOL (www.aol.com) 3. Brodia (www.brodia.com) 4. Compaq (www.compaq.com) 5. CyberCash (www.cybercash.com) 6. Discover (www.discovercard.com) 7. FSTC (www.fstc.org) 8. IBM (www.ibm.com) 9. Mastercard (www.mastercard.com) 10. Microsoft (www.microsoft.com) 11. Novell (www.novell.com> 12. SETCo (www.setco.org) 13. Sun Microsystems (www.sun.com) D. Eastlake, T. Goldstein [Page 4] INTERNET-DRAFT ECom Field Names November 1999 14. Trintech (www.trintech.com> 15. Visa International (www.visa.com) The ECML fields were initially derived from and are consistent with the W3C P3P base data schema at . 1.2 Relationship to Other Standards ECML Version 1.1 is is a minor enhancement of Version 1.0. See not a replacement or alternative to SSL/TLS [RFC 2246], SET [SET], XML [XML], or IOTP [draft-ietf-trade-iopt-protocol-07.txt]. These are important standards that provide functionality such as non- repudiatable transactions, automatable payment scheme selection, and smart card support. ECML may be used with any payment mechanism. It simply allows a merchant to publish consistent simple web forms. Multiple wallets and multiple merchants interoperably support ECML. This is an open standard. ECML is designed to be simple. It adds no new technology to the web. A merchant can adopt ECML and gain the support of these multiple Wallets by making very simple changes to their site. Use of ECML requires no license. 1.3 Areas Deferred to Future Versions Standardization of information fields transmitted from the merchant to the consumer including merchant identification, considerations for business purchasing cards, non-card payment mechanisms, wallet activation, shipping and fulfillment information, privacy related mechanisms, additional payment mechanisms, currency exchange, and any sort of "negotiation" were among the areas deferred to consideration in future versions. Hidden or other special fields were minimized. D. Eastlake, T. Goldstein [Page 5] INTERNET-DRAFT ECom Field Names November 1999 2. Field Definitions and Schemas The ECML Standard is primarily the definition and naming of fields. These fields can be encoded in a variety of syntaxes and protocols. Section 2.1 below lists and describes the fields, Section 2.2 gives additional notes on HTML usage of the fields, and the remaining subsections (2.3, 2.4, 2.5) provide an XML syntax and schemas for use with the fields. 2.1 Field List and Descriptions The fields are listed below along with the minimum data entry size to allow. Note that these fields are hierarchically organized as indicated by the embedded underscore ("_") characters. Appropriate consumer to merchant transmission mechanisms may use this to request and send aggregates, such as Ecom_Payment_Card_ExpDate to encompass all the date components or Ecom_ShipTo to encompass all the ship to components that the consumer is willing to provide. The labeling, marshalling, unmarshalling of the components of such aggregates depends on the data transfer protocol used. 2.1.1 Field List IMPORTANT NOTE: "MIN" in the table below is the MINIMUM DATA SIZE TO ALLOW FOR ON DATA ENTRY. It is NOT the minimum size for valid contents of the field and merchant software should, in most cases, be prepared to receive a longer or shorter value. Merchant dealing with areas where, for example, the state/province name or phone number is longer than the "Min" given below must obviously permit longer data entry. In some cases, however, there is a maximum size that makes sense and where this is the case, it is documented in a Note for the field. FIELD NAME Min Notes ship to title Ecom_ShipTo_Postal_Name_Prefix 4 ( 1) ship to first name Ecom_ShipTo_Postal_Name_First 15 ship to middle name Ecom_ShipTo_Postal_Name_Middle 15 ( 2) ship to last name Ecom_ShipTo_Postal_Name_Last 15 ship to name suffix Ecom_ShipTo_Postal_Name_Suffix 4 ( 3) ship to company name Ecom_ShipTo_Postal_Company 20 ship to street line1 Ecom_ShipTo_Postal_Street_Line1 20 ( 4) ship to street line2 Ecom_ShipTo_Postal_Street_Line2 20 ( 4) ship to street line3 Ecom_ShipTo_Postal_Street_Line3 20 ( 4) D. Eastlake, T. Goldstein [Page 6] INTERNET-DRAFT ECom Field Names November 1999 ship to city Ecom_ShipTo_Postal_City 22 ship to state/province Ecom_ShipTo_Postal_StateProv 2 ( 5) ship to zip/postal code Ecom_ShipTo_Postal_PostalCode 14 ( 6) ship to country Ecom_ShipTo_Postal_CountryCode 2 ( 7) ship to phone Ecom_ShipTo_Telecom_Phone_Number 10 ( 8) ship to email Ecom_ShipTo_Online_Email 40 ( 9) bill to title Ecom_BillTo_Postal_Name_Prefix 4 ( 1) bill to first name Ecom_BillTo_Postal_Name_First 15 bill to middle name Ecom_BillTo_Postal_Name_Middle 15 ( 2) bill to last name Ecom_BillTo_Postal_Name_Last 15 bill to name suffix Ecom_BillTo_Postal_Name_Suffix 4 ( 3) bill to company name Ecom_BillTo_Postal_Company 20 bill to street line1 Ecom_BillTo_Postal_Street_Line1 20 ( 4) bill to street line2 Ecom_BillTo_Postal_Street_Line2 20 ( 4) bill to street line3 Ecom_BillTo_Postal_Street_Line3 20 ( 4) bill to city Ecom_BillTo_Postal_City 22 bill to state/province Ecom_BillTo_Postal_StateProv 2 ( 5) bill to zip/postal code Ecom_BillTo_Postal_PostalCode 14 ( 6) bill to country Ecom_BillTo_Postal_CountryCode 2 ( 7) bill to phone Ecom_BillTo_Telecom_Phone_Number 10 ( 8) bill to email Ecom_BillTo_Online_Email 40 ( 9) receiptTo title Ecom_ReceiptTo_Postal_Name_Prefix 4 ( 1) receiptTo first name Ecom_ReceiptTo_Postal_Name_First 15 receiptTo middle name Ecom_ReceiptTo_Postal_Name_Middle 15 ( 2) receiptTo last name Ecom_ReceiptTo_Postal_Name_Last 15 receiptTo name suffix Ecom_ReceiptTo_Postal_Name_Suffix 4 ( 3) receiptTo company name Ecom_ReceiptTo_Postal_Company 20 receiptTo street line1 Ecom_ReceiptTo_Postal_Street_Line1 20 ( 4) receiptTo street line2 Ecom_ReceiptTo_Postal_Street_Line2 20 ( 4) receiptTo street line3 Ecom_ReceiptTo_Postal_Street_Line3 20 ( 4) receiptTo city Ecom_ReceiptTo_Postal_City 22 receiptTo state/province Ecom_ReceiptTo_Postal_StateProv 2 ( 5) receiptTo postal code Ecom_ReceiptTo_Postal_PostalCode 14 ( 6) receiptTo country Ecom_ReceiptTo_Postal_CountryCode 2 ( 7) receiptTo phone Ecom_ReceiptTo_Telecom_Phone_Number 10 ( 8) receiptTo email Ecom_ReceiptTo_Online_Email 40 ( 9) name on card Ecom_Payment_Card_Name 30 (10) card type Ecom_Payment_Card_Type 4 (11) card number Ecom_Payment_Card_Number 19 (12) card verification value Ecom_Payment_Card_Verification 4 (13) card expire date day Ecom_Payment_Card_ExpDate_Day 2 (14) card expire date month Ecom_Payment_Card_ExpDate_Month 2 (15) card expire date year Ecom_Payment_Card_ExpDate_Year 4 (16) card protocols Ecom_Payment_Card_Protocol 20 (17) D. Eastlake, T. Goldstein [Page 7] INTERNET-DRAFT ECom Field Names November 1999 consumer order ID Ecom_ConsumerOrderID 20 (18) schema version Ecom_SchemaVersion 30 (19) wallet id Ecom_WalletID 40 (20) end transaction flag Ecom_TransactionComplete - (21) FIELD NAME Min Notes IMPORTANT NOTE: "MIN" in the table above is the MINIMUM DATA SIZE TO ALLOW FOR ON DATA ENTRY. It is NOT the minimum size for valid contents of the field and merchant software should, in most cases, be prepared to receive a longer or shorter value. Merchant dealing with areas where, for example, the state/province name or phone number is longer than the "Min" given below must obviously permit longer data entry. In some cases, however, there is a maximum size that makes sense and this is documented in a Note for the field. 2.1.2 Field Foot Notes ( 1) For example: Mr., Mrs., Ms., Dr. This field is commonly not used. ( 2) May also be used for middle initial ( 3) For example: Ph.D., Jr. (Junior), 3rd, Esq. (Esquire). This field is commonly not used. ( 4) Address lines must be filled in the order line1, then line2, last line3. ( 5) 2 characters are the minimum for the US and Canada, other countries may require longer fields. For the US use 2 character US Postal state abbreviation. ( 6) Minimum field lengths for Postal Code will vary based on international market served. Use 5 character or 5+4 ZIP for the US and 6 character postal code for Canada. The size given, 14, is believed to be the maximum required anywhere in the world. ( 7) Use [ISO 3166] standard two letter codes for country names. ( 8) 10 digits are the minimum for numbers local to the North American Numbering Plan (: US, Canada and a D. Eastlake, T. Goldstein [Page 8] INTERNET-DRAFT ECom Field Names November 1999 number of smaller Caribbean and Pacific nations (but not Cuba)), other countries may require longer fields. Telephone numbers are complicated by differing international access codes, variant punctuation of area/city codes within countries, confusion caused by the fact that the international access code in the NANP region is usually the same as the "country code" for that area (1), etc. It will probably be necessary to use heuristics or human examination based on the telephone number and addresses given to figure out how to actually call a customer. It is recommend that an "x" be placed before extension numbers. ( 9) For example: jsmith@example.com (10) The name of the cardholder. (11) Use the first 4 letters of the association name: American Express=AMER; Diners Club=DINE; Discover=DISC; JCB=JCB; Mastercard=MAST; Visa=VISA. (12) Includes the check digit at end but no spaces or hyphens [ISO 7812]. The Min given, 19, is the longest number permitted under the ISO standard. (13) An additional cardholder verification number printed on the card (but not embossed or recorded on the magnetic stripe) such as American Express' CIV, MasterCard's CVC2, and Visa's CVV2 values. (14) The day of the month. Values: 1-31. A leading zero is ignored so, for example, 07 is valid for the seventh day of the month. (15) The month of the year. Jan - 1, Feb - 2, March - 3, etc.; Values: 1-12. A leading zero is ignored so, for example, 07 is avlid for July. (16) The value in the wallet cell is always four digits, e.g., 1999, 2000, 2001, ... (17) A space separated list of protocols available in connection with the specified card. Initial list of case insensitive tokens: none, set, setcert, iotp, ach, and echeck. "Set" indicates usable with SET protocol (i.e., is in a SET wallet) but does not have a SET certificate. "Setcert" indicates same but does have a set certificate. "iotp" indicates the IOTP protocol [draft-ietf-trade- iotp-protocol-07.txt] is supported at the customer. "ach" indicates that an Automated Clearing House based check payment system is available. "echeck" indicates that the eCheck protocol [eCheck] is supported at the customer. "None" indicates that automatic field fill is operating but there is no SET wallet or the card is not entered in any SET wallet. D. Eastlake, T. Goldstein [Page 9] INTERNET-DRAFT ECom Field Names November 1999 (18) A unique order ID generated by the consumer software. (19) URI indicating version of this set of fields. Usually a hidden field. Equal to "http://www.ecml.org/version/1.1" for this version. (20) A string to identify the source and version of the form fill software that is acting on behalf of the user. Should contain company and/or product name and version. Example "Wallets Inc., SuperFill, v42.7". Usually a hidden field. (21) A flag to indicate that this web-page/aggregate is the final one for this transaction. Usually a hidden field. 2.2 Use in HTML The normal use of ECML is HTML is as a form with input ield names identical to those given in section 2.1 above. In general, tags with type text, hidden, and password must be supported as must
The card number
Expiration date (MM YY)
After all of the pages are submitted, the merchant will reply with a D. Eastlake, T. Goldstein [Page 14] INTERNET-DRAFT ECom Field Names November 1999 confirmation page informing both the user and the wallet that the transaction is complete. eCom Transaction Complete Example
Thank you for your order. It will be shipped in several days.
3.3.2 XML Example A customer could return to a merchant the information asked for in section 3.3.1 above using XML as follows, assuming an XML based protocol was in place: D. Eastlake, T. Goldstein [Page 15] INTERNET-DRAFT ECom Field Names November 1999 4. Security and Privacy Considerations The information called for by many of these fields is sensitive and should be secured if being sent over the public Internet or through other channels where it can be observed. Mechanisms for such protection are not specified herein but channel encryption such as SSL/TLS [RFC 2246] or IPSec [RFC 2411] would be appropriate in many cases. User control over release of such information is needed to protect the user's privacy. A wallet that is installed on a shared or public terminal should be configurable such that the ECML memory of address and other contact information is fully disabled. This is vital to protect the privacy of library patrons, students, and customers using public terminals, and children who might, for example, use a form on a public terminal without realizing that their information is being stored. When contact information is stored, the operator should have an option to protect the information with a password, without which the information might be unavailable, even to someone who has access to the file(s) in which it is being stored. This would also allow for a convenient method for multiple people to use their own ECML information from the same browser. Any multi-web-page or other multi-aggregate field fill in or data provision mechanism should check for the Ecom_TransactionComplete field and cease automated fill when it is encountered until fill is further authorized. D. Eastlake, T. Goldstein [Page 16] INTERNET-DRAFT ECom Field Names November 1999 References [eCheck] - [HTML] - HTML 3.2 Reference Specification , D. Raggett, January 1997. [IANA] - Internet Assigned Numbers Authority, Official Names for Character Sets, ed. Keld Simonsen et al. . [ISO 3166] - Codes for the representation of names of countries, [ISO 7812] - "Identification card - Identification of issuers - Part 1: Numbering system" [RFC 1766] - "Tags for the Identification of Languages", H. Alvestrand. March 1995. [RFC 2026] - "The Internet Standards Process -- Revision 3", S. Bradner, October 1996. [RFC 2246] - "The TLS Protocol: Version 1.0", T. Dierks, C. Allen. January 1999. [RFC 2411] - "IP Security: Document Roadmap", R. Thayer, N. Doraswany, R. Glenn. November 1998. [RFC 2706] - "ECML v1: Field Names for E-Commerce", D. Eastlake, T. Goldstein, September 1999. [draft-ietf-trade-iotp-protocol-07.txt] - "Internet Open Trading Protocol - IOTP, Version 1.0", D. Burdett [SET] - Secure Electronic Transaction, [XML] - Extensible Markup Language (XML) 1.0, , T. Bray, J. Paoli, C. M. Sperberg-McQueen D. Eastlake, T. Goldstein [Page 17] INTERNET-DRAFT ECom Field Names November 1999 Appendix: Changes from ECML 1.0 ECML 1.0 is documented in [RFC 2706]. (1) Fields added are listed below. Adding fields is a backward compatible change (1a) Wallet ID to identify source and version of the form fill agent acting for the consumer. (1b) Company Name (2) Change Ecom_SchemaVersion field value to "http://www.ecml.org/version/1.1". (3) Addition of XML DTD, XML Schemas, and XML example. (4) Add "iotp", "ach", and "echeck" as allowed tokens in Ecom_Payment_Card_Protocol. (5) Specify that a leading zero is permitted in day and month number fields. (6) Change "Security Considerations" section to "Security and Privacy Consderations" and add material. (7) Add internationalization material to HTML and XML subsections of section 2. (8) Enumerate HTML form elements that must be supported (section 2.2) including SELECT. D. Eastlake, T. Goldstein [Page 18] INTERNET-DRAFT ECom Field Names November 1999 Full Copyright Statement Copyright (C) 1999, The Internet Society. 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. D. Eastlake, T. Goldstein [Page 19] INTERNET-DRAFT ECom Field Names November 1999 Author's Address Donald E. Eastlake, 3rd IBM 17 Skyline Drive Hawthorne, NY 10532 USA tel: +1-914-784-7913 fax: +1-914-784-3833 email: dee3@us.ibm.com Ted Goldstein Brodia 221 Main Street, Suite 1530 San Francisco, CA 94105 USA tel: +1 415-495-3100 x222 fax: +1 415-495-3177 email: tgoldstein@brodia.com File name and Expiration This file is draft-eastlake-ecom-fields2-01.txt. It expires May 2000. D. Eastlake, T. Goldstein [Page 20]