[Docs] [txt|pdf] [draft-ietf-trade-...] [Diff1] [Diff2]

PROPOSED STANDARD

Network Working Group                                    D. Eastlake 3rd
Request for Comments: 4112                         Motorola Laboratories
Updates: 3106                                                  June 2005
Category: Standards Track


             Electronic Commerce Modeling Language (ECML)
                        Version 2 Specification

Status of This Memo

   This document specifies an Internet standards track protocol for the
   Internet community, and requests discussion and suggestions for
   improvements.  Please refer to the current edition of the "Internet
   Official Protocol Standards" (STD 1) for the standardization state
   and status of this protocol.  Distribution of this memo is unlimited.

Copyright Notice

   Copyright (C) The Internet Society (2005).

Abstract

   Electronic commerce frequently requires a substantial exchange of
   information in order to complete a purchase or other transaction,
   especially the first time the parties communicate.  A standard set of
   hierarchically-organized payment-related information field names in
   an XML syntax is defined so that this task can be more easily
   automated.  This is the second version of an Electronic Commerce
   Modeling Language (ECML) and is intended to meet the requirements of
   RFC 3505.




















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Table of Contents

   1. Introduction ....................................................2
   2. Field Definitions, DTD, and Schema ..............................3
      2.1. Field List and Descriptions ................................3
           2.1.1. The Field List ......................................4
           2.1.2. Field Footnotes .....................................7
      2.2. Exemplar XML Syntax .......................................12
           2.2.1. ECML v2 XML DTD ....................................13
           2.2.2. ECML v2 XML Schema .................................18
   3. Usage Notes for ECML v2 ........................................26
      3.1. Presentation of the Fields ................................26
      3.2. Methods and Flow of Setting the Fields ....................27
   4. Security and Privacy Considerations ............................28
   5. IANA Considerations ............................................29
      5.1. ECML v2 Schema Template ...................................29
      5.2. ECML v2 URN Template ......................................29
           5.2.1. Sub-registration of v2.0 ...........................30
      5.3. IANA Registries ...........................................30
   6. Acknowledgements ...............................................30
   A. Appendix: Changes from v1.1 to v2 ..............................31
   Normative References ..............................................31
   Informative References ............................................32

1.  Introduction

   Numerous parties are conducting business on the Internet using ad hoc
   fields and forms.  The data formats and structure can vary
   considerably from one party to another.  Where forms are filled out
   manually, some users find the diversity confusing, and the process of
   manually filling in these forms can be tedious and error prone.

   Software tools, including electronic wallets, can help this
   situation.  Such tools can assist in conducting online transactions
   by storing billing, shipping, payment, preference, and similar
   information and using this information to complete the data sets
   required by interactions automatically.  For example, software that
   fills out forms has 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 more automated transaction software has been
   hampered by the lack of standards.

   ECML (Electronic Commerce Modeling Language) provides a set of
   hierarchical payment-oriented data structures that will enable
   automated software, including electronic wallets from multiple
   vendors, to supply and query for needed data in a more uniform
   manner.



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   Version 2.0 extends ECML Versions 1.0 [RFC2706] and 1.1 [RFC3106] as
   described in the appendix to this document.  These enhancements
   include support for additional payment mechanisms and transaction
   information and use of XML as the exemplar syntax.

   ECML is designed to provide a simple baseline useful in a variety of
   contexts.  Likely uses for ECML v2 are consumer payment information
   input and business-to-business transactions.  At this time, the first
   is still likely to occur through HTML forms.  The second is more
   likely to use XML documents.

1.2.  History and Relationship to Other Standards

   The ECML fields were initially derived from the W3C P3P base data
   schema [P3P.BASE] by the ECML Alliance as described in [RFC2706,
   RFC3106].  Technical development and change control of ECML was then
   transferred to the IETF.  In version 2, ECML is extended by the
   fields in a W3C P3P Note related to eCommerce [P3P.ECOM], by
   [ISO8583], and other sources.  Its primary exemplar form is now an
   XML syntax.

2.  Field Definitions, DTD, and Schema

   ECML v2 is the definition and naming of a hierarchically structured
   set of fields and the provision of an optional XML syntax for their
   transmission.  These fields can be encoded in other syntaxes.
   Regardless of the encoding used, the fields can be transmitted via a
   variety of protocols.

   Section 2.1 below lists and describes the fields, Section 2.2.1
   provides an XML DTD for use with the fields, and Section 2.2.2
   provides an XML schema.

   To conform to this document, field names must be named and
   hierarchically structured as closely to the structure and naming
   listed below as is practical given the syntax and transaction
   protocol in use.  (NOTE: This does not impose any restriction on
   human visible labeling of fields, just on their name or names and
   structure as used in on-the-wire communication.)

2.1.  Field List and Descriptions

   The fields are listed below, along with the minimum data entry size
   allowed.  Implementations may accept larger data sizes, if doing so
   makes sense, and, for some applications, they will need to allow for
   larger data sizes.





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   Note that these fields are hierarchically organized as indicated in
   this table by the embedded underscore ("_") characters.  Appropriate
   data transmission mechanisms may use this to request and send
   aggregates, such as Ecom_Payment_Card_ExpDate (to encompass all of a
   set of card expiry date components) or Ecom_ShipTo (to encompass all
   the ship-to address components that a consumer is willing to
   provide).  The labeling, marshalling, and unmarshalling of the
   components of such aggregates depend on the data transfer protocol
   used.  The suggested syntax is XML as specified in Section 2.2.

2.1.1.  The Field List

   The table below is the ECML v2 field list.

   The NAME column gives the structured string name of each field as
   explained above.  The MIN column below is the minimum data size that
   MUST be allowed for on data entry.  It is NOT the minimum size for
   valid contents of the field, and merchant software should, in many
   cases, be prepared to receive a longer or shorter value.  Merchants
   dealing with areas where, for example, the state/province name or
   phone number is longer than the MIN given below obviously must permit
   longer data entry.  In some cases, however, there is a maximum size
   that makes sense, and where this is the case, it is usually
   documented in a Note for the field.

   The following fields are typically used to communicate from the
   customer to the merchant:

     FIELD                       NAME                         MIN  Notes

  ship to title             Ecom_ShipTo_Postal_Name_Prefix       4  ( 1)
  ship to first name        Ecom_ShipTo_Postal_Name_First       15  (54)
  ship to middle name       Ecom_ShipTo_Postal_Name_Middle      15  ( 2)
  ship to last name         Ecom_ShipTo_Postal_Name_Last        15  (54)
  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)
  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)






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  bill to title             Ecom_BillTo_Postal_Name_Prefix       4  ( 1)
  bill to first name        Ecom_BillTo_Postal_Name_First       15  (54)
  bill to middle name       Ecom_BillTo_Postal_Name_Middle      15  ( 2)
  bill to last name         Ecom_BillTo_Postal_Name_Last        15  (54)
  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)

  receipt to                                                        (32)
  receipt to title          Ecom_ReceiptTo_Postal_Name_Prefix    4  ( 1)
  receipt to first name     Ecom_ReceiptTo_Postal_Name_First    15  (54)
  receipt to middle name    Ecom_ReceiptTo_Postal_Name_Middle   15  ( 2)
  receipt to last name      Ecom_ReceiptTo_Postal_Name_Last     15  (54)
  receipt to name suffix    Ecom_ReceiptTo_Postal_Name_Suffix    4  ( 3)
  receipt to company name   Ecom_ReceiptTo_Postal_Company       20
  receipt to street line1   Ecom_ReceiptTo_Postal_Street_Line1  20  ( 4)

  receipt to street line2   Ecom_ReceiptTo_Postal_Street_Line2  20  ( 4)
  receipt to street line3   Ecom_ReceiptTo_Postal_Street_Line3  20  ( 4)
  receipt to city           Ecom_ReceiptTo_Postal_City          22
  receipt to state/province Ecom_ReceiptTo_Postal_StateProv      2  ( 5)
  receipt to postal code    Ecom_ReceiptTo_Postal_PostalCode    14  ( 6)
  receipt to country        Ecom_ReceiptTo_Postal_CountryCode    2  ( 7)
  receipt to phone          Ecom_ReceiptTo_Telecom_Phone_Number 10  ( 8)
  receipt to 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 issuer number        Ecom_Payment_Card_IssueNumber        2  (53)

  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 valid date day       Ecom_Payment_Card_ValidFrom_Day      2  (14)
  card valid date month     Ecom_Payment_Card_ValidFrom_Month    2  (15)
  card valid date year      Ecom_Payment_Card_ValidFrom_Year     4  (16)




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  card protocols            Ecom_Payment_Card_Protocol          20  (17)

  loyalty card name         Ecom_Loyalty_Card_Name              30  (10)
  loyalty card type         Ecom_Loyalty_Card_Type              20  (52)
  loyalty card number       Ecom_Loyalty_Card_Number            40  (34)
  loyalty card verification Ecom_Loyalty_Card_Verification       4  (13)
  loyalty card expire day   Ecom_Loyalty_Card_ExpDate_Day        2  (14)
  loyalty card expire month Ecom_Loyalty_Card_ExpDate_Month      2  (15)
  loyalty card expire year  Ecom_Loyalty_Card_ExpDate_Year       2  (16)
  loyalty card valid day    Ecom_Loyalty_Card_ValidFrom_Day      2  (14)
  loyalty card valid month  Ecom_Loyalty_Card_ValidFrom_Month    2  (15)
  loyalty card valid year   Ecom_Loyalty_Card_ValidFrom_Year     4  (16)

  consumer order ID         Ecom_ConsumerOrderID                20  (18)

  user ID                   Ecom_User_ID                        40  (19)
  user password             Ecom_User_Password                  20  (19)
  user certificate          Ecom_User_Certificate_URL          128  (55)
  user data country         Ecom_UserData_Country                2  ( 7)
  user data language        Ecom_UserData_Language              30  (33)
  user data gender          Ecom_UserData_Gender                 1  (36)
  user data birth day       Ecom_UserData_BirthDate_Day          2  (14)
  user data birth month     Ecom_UserData_BirthDate_Month        2  (15)
  user data birth year      Ecom_UserData_BirthDate_Year         4  (16)
  user data preferences     Ecom_UserData_Preferences           60  (34)

  schema version            Ecom_SchemaVersion                  30  (20)

  wallet id                 Ecom_WalletID                       40  (21)
  wallet URL                Ecom_Wallet_Location               128  (35)

  customer device ID        Ecom_Device_ID                      20  (37)
  customer device type      Ecom_Device_Type                    20  (38)

  end transaction flag      Ecom_TransactionComplete             -  (22)

   The following fields are typically used to communicate from the
   merchant to the consumer:

     FIELD                       NAME                         Min  Notes

  merchant home domain      Ecom_Merchant                      128  (23)
  processor home domain     Ecom_Processor                     128  (24)
  transaction identifier    Ecom_Transaction_ID                128  (25)
  transaction URL inquiry   Ecom_Transaction_Inquiry           500  (26)
  transaction amount        Ecom_Transaction_Amount            128  (27)
  transaction currency      Ecom_Transaction_CurrencyCode        3  (28)
  transaction date          Ecom_Transaction_Date               80  (29)



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  transaction type          Ecom_Transaction_Type               24  (30)
  transaction signature     Ecom_Transaction_Signature         160  (31)

  end transaction flag      Ecom_TransactionComplete             -  (22)

   The following fields are used to communicate between the merchant and
   a processor acting for the merchant (such a processor is commonly
   called an acquirer and is frequently a bank):

  FIELD                          NAME                         Min  Notes

merchant identifier         Ecom_Merchant_ID                     8
merchant terminal           Ecom_Merchant_Terminal_ID            8  (39)
merchant terminal data      Ecom_Merchant_Terminal_Data        128
transaction process code    Ecom_Transaction_ProcessingCode      6  (40)
transaction reference       Ecom_Transaction_Reference_ID       12
transaction acquirer        Ecom_Transaction_Acquire_ID         13  (41)
transaction forward         Ecom_Transaction_Forward_ID         13  (42)
transaction trace           Ecom_Transaction_Trace_Audit         6  (43)
transaction effective date  Ecom_Transaction_Effective_Date      4  (44)
transaction CID             Ecom_Transaction_CID                 8
transaction POS             Ecom_Transaction_POSCode            12  (45)
transaction private use     Ecom_Transaction_PrivateUseData    166
transaction response        Ecom_Transaction_ResponseData       27
transaction approval code   Ecom_Transaction_ApprovalCode       12  (46)
transaction retrieval code  Ecom_Transaction_RetrievalCode     128
transaction response action Ecom_Transaction_ActionCode         13  (47)

transaction reason          Ecom_Transaction_ReasonCode          4
transaction AAV             Ecom_Transaction_AAV                 3
transaction settlement date Ecom_Transaction_Settle_Date         4  (48)
transaction capture date    Ecom_Transaction_Capture_Date        4  (49)
transaction Track 1         Ecom_Transaction_Track1             39  (50)
transaction Track 2         Ecom_Transaction_Track2             39  (51)

2.1.2.  Field Footnotes

   (1)  For example: Mr., Mrs., Ms., Dr.  This field is commonly
        omitted.

   (2)  May also be used for middle initial.

   (3)  For example: Ph.D., Jr. (Junior), 3rd, Esq. (Esquire).  This
        field is commonly omitted.

   (4)  Address lines must be filled in the order line1, then line2, and
        last line3.  Thus, for example, it is an error for line1 to be
        null if line2 or line3 is not.



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   (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 according to the
        international market served.  Use 5-character postal code 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 [ISO3166] standard two letter country codes.

   (8)  10 digits are the minimum for numbers within the North American
        Numbering Plan (<http://www.nanpa.com>: It includes the US,
        Canada and a number of Caribbean and smaller 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, etc.  Although it is desirable for telephone numbers
        to be in standard international format [E.164], it may be
        necessary to use heuristics or human examination based on the
        telephone number and addresses given to figure out how to call a
        customer, since people may enter local formatted numbers without
        area/access codes.  It is recommend that an "x" be placed before
        extension numbers and that the "x" and extension number appear
        after all other parts of the number.

   (9)  For example:  jsmith@example.com

   (10) The name of the cardholder as it appears on the card.

   (11) Case insensitive.  Use up to the first 4 letters of the
        association name (see also Note 102):

                     AMER   American Express
                     BANK   Bankcard (Australia)
                     DC     DC (Japan)
                     DINE   Diners Club
                     DISC   Discover
                     JCB    JCB
                     MAST   Mastercard
                     NIKO   Nikos (Japan)
                     SAIS   Saison (Japan)
                     UC     UC (Japan)
                     UCAR   UCard (Taiwan)
                     VISA   Visa





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   (12) Includes the check digit at the end but no spaces or hyphens
        [ISO7812].  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
        the American Express CIV, MasterCard CVC2, and Visa 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
        valid 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.  The following is the initial list of case-
        insensitive tokens:

                  none
                  set
                  setcert
                  iotp
                  echeck
                  simcard
                  phoneid

        "Set" indicates that the card is usable with SET protocol (i.e.,
        it is in a SET wallet) but that it does not have a SET
        certificate [SET].  "Setcert" indicates that the card is usable
        with SET and has a set certificate [SET].  "iotp" indicates that
        the IOTP protocol [RFC2801] is supported at the customer.
        "echeck" indicates that the eCheck protocol [eCheck] is
        supported at the customer.  "simcard" indicates an ability to
        use the transaction instrument built into a Cellphone subscriber
        for identification.  "phoneid" indicates use for the transaction
        of a billable phone number.  "None" indicates that automatic
        field fill is operating but that there is no further
        information.

   (18) A unique order ID string generated by the consumer software.

   (19) The user ID and password fields can be used if the user has a
        pre-established account with the merchant to which access is
        authenticated by such values.  For that use, one would expect an



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        application to require exactly one user ID, and one password
        field be present.

   (20) URI [RFC3986] indicating version of this set of fields.  Equal
        to "urn:ietf:params:ecml:v2.0" for this version.  See Section 5.
        (See also Note 101.)

   (21) A string to identify the source and version of form fill
        software that is acting on behalf of a user.  Should contain
        company and/or product name and version; for example, "Wallets
        Inc., SuperFill, v42.7".  (See also Note 101.)

   (22) A flag to indicate that this web-page/aggregate is the final one
        for this transaction.  (See also Note 101.)

   (23) The merchant domain name [RFC1034], such as
        www.merchant.example.  (See also Note 101.)

   (24) The domain name [RFC1034] of the gateway transaction processor
        that is actually accepting the payment on behalf of the
        merchant, such as www.processor.example.  (See also Note 101.)

   (25) A Transaction identification string whose format is specific to
        the processor.

   (26) A URL [RFC3986] that can be invoked to inquire about the
        transaction.  (See also Note 100.)

   (27) The amount of the transaction in ISO currency format [ISO4217].
        This is two integer numbers with a period in between but with no
        other currency mark (such as a "$" dollar sign).

   (28) This is the three-letter ISO currency code [ISO4217].  For
        example, US dollars is USD.

   (29) ISO Transaction date.

   (30) The type of the transaction, if known.  Currently a value from
        the following list:

                     debit
                     credit

   (31) A digital signature, base64 encoded [RFC2045].  (See also Note
        101.)






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   (32) The ReceiptTo fields are used when the BillTo entity, location,
        or address and the ReceiptTo entity, location, or address are
        different.  For example, when using some forms of Corporate
        Purchasing Cards or Agent Purchasing Cards, the individual card
        holder would be in the ReceiptTo fields, and the corporate or
        other owner would be in the BillTo fields.

   (33) An IETF Language Tag, as defined in [RFC3066].

   (34) User preferences, as specified by the merchant.  (See also Note
        102.)

   (35) The Uniform Resource Locator [RFC3986] for accessing the
        customer's "wallet" software.  (See also Note 100)

   (36) A single capital letter: M=male, F=Female, U=Unknown [ISO5218].

   (37) An immutable device identification or serial number.  (See also
        Note 102.)

   (38) User understandable device brand name.  (See also Note 102)

   (39) [ISO8583] field "card acceptor terminal identification".

   (40) [ISO8583] field "processing code".

   (41) [ISO8583] field "acquiring institution identification code".

   (42) [ISO8583] field "forwarding institution identification code".

   (43) [ISO8583] field "system trace audit field".

   (44) [ISO8583] field "date effective".

   (45) [ISO8583] field "point of sale date code".

   (46) [ISO8583] field "approval code".

   (47) [ISO8583] field "action code".

   (48) [ISO8583] field "date settlement".

   (49) [ISO8583] field "date capture".

   (50) [ISO8583] field "trace 1 data".

   (51) [ISO8583] field "trace 2 data".




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   (52) User-recognizable loyalty card brand name.  Values for this
        field are not controlled, and there is no IANA or other registry
        for them.  (See also Note 102.)

   (53) The card issuer number required by the UK-based Switch and Solo
        acquirers.

   (54) The field names "first_name" and "last_name" have been retained
        for compatibility with earlier versions of ECML.  However,
        "last_name" should be understood to refer to family or inherited
        names(s), whereas "first_name" is the first given or non-
        inherited name and "middle_name" is the subsequent given or
        non-inherited name or names, if any.

   (55) The Uniform Resource Locator [RFC3986] for accessing the user's
        X.509v3 certificate encoded as binary DER.  (See also Note 100.)

   Meta Notes (referenced by other notes)

   (100) ECML, a basic field-naming and structuring convention, does not
         impose any particular requirements on these URLs.  It is to be
         expected that most applications that make use of ECML will
         impose such limitations and perform checking to be sure that
         provided URLs conform to such limitations before attempting to
         invoke them.

   (101) This is a field that, when presented in a web page, is usually
         hidden.

   (102) An ASCII [ASCII] character string with no leading or trailing
         white space.

2.2.  Exemplar XML Syntax

   The following sections provide an XML DTD and an XML Schema that
   express the ECML fields with ECML v2 naming and ECML v2 hierarchical
   structure.  In case of conflict between this DTD and Schema, the
   Schema should prevail.  Note that the ECML v2 naming and structure
   may be used in non-XML syntaxes.

   The ECML v2 XML syntax is deliberately liberal because it is assumed
   that specific applications making use of ECML will impose their own
   additional constraints.

   For internationalization of ECML, use the general XML character-
   encoding provisions [XML] (which mandate support of UTF-8 and UTF-16
   and permit support of other character sets) and the xml:lang
   attribute, which may be used to specify language information.



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2.2.1.  ECML v2 XML DTD

   The following is an XML DTD for ECML v2.

      <!-- Electronic Commerce Modeling Language v2 -->

      <!ELEMENT Ecom ( #PCDATA | ShipTo | BillTo | ReceiptTo | Payment |
                       Loyalty | User | Merchant | Transaction |
                       TransactionComplete )* >
      <!ATTLIST Ecom
                id        ID         #IMPLIED
                ConsumerOrderID CDATA #IMPLIED
                Merchant  CDATA      #IMPLIED
                Mode      (Query|Assert) #IMPLIED
                Processor CDATA      #IMPLIED
                SchemaVersion (urn:ietf:params:ecml:v2.0)
                                     #IMPLIED
                WalletID  CDATA      #IMPLIED
                WalletLocation CDATA #IMPLIED >

      <!ELEMENT ShipTo ( #PCDATA | Postal | Telecom | Online )* >
      <!ATTLIST ShipTo
                id        ID         #IMPLIED
                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT BillTo  ( #PCDATA | Postal | Telecom | Online )* >
      <!ATTLIST BillTo
                id        ID         #IMPLIED
                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT ReceiptTo ( #PCDATA | Postal | Telecom | Online )* >

      <!ATTLIST ReceiptTo
                id        ID         #IMPLIED
                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT Postal ( #PCDATA | Name | Company |
                                   Street | City | StateProv )* >
      <!ATTLIST Postal
                id        ID         #IMPLIED
                PostalCode NMTOKEN   #IMPLIED
                Mode      (Query|Assert) #IMPLIED
                CountryCode NMTOKEN  #IMPLIED >

      <!ELEMENT Name EMPTY >
      <!ATTLIST Name
                id        ID         #IMPLIED
                Mode      (Query|Assert) #IMPLIED



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                Prefix    NMTOKEN    #IMPLIED
                First     NMTOKEN    #IMPLIED
                Middle    NMTOKEN    #IMPLIED
                Last      NMTOKEN    #IMPLIED
                Suffix    NMTOKEN    #IMPLIED >

      <!ELEMENT Street EMPTY >
      <!ATTLIST Street
                id        ID         #IMPLIED
                Mode      (Query|Assert) #IMPLIED
                Line1     CDATA      #REQUIRED
                Line2     CDATA      #IMPLIED
                Line3     CDATA      #IMPLIED >

      <!ELEMENT Company (#PCDATA) >
      <!ATTLIST Company
                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT City (#PCDATA) >
      <!ATTLIST City
                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT StateProv (#PCDATA) >
      <!ATTLIST StateProv
                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT Telecom ( #PCDATA | Phone )* >
      <!ATTLIST Telecom
                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT Phone EMPTY >
      <!ATTLIST Phone
                id         ID        #IMPLIED
                Mode       (Query|Assert) #IMPLIED
                Number     CDATA     #REQUIRED >

      <!ELEMENT Online ( #PCDATA | Email )* >
      <!ATTLIST Online
                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT Email EMPTY >
      <!ATTLIST Email
                id         ID        #IMPLIED
                Mode       (Query|Assert) #IMPLIED
                Address    CDATA     #REQUIRED >

      <!ELEMENT Payment (Card) >
      <!ATTLIST Payment



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                Mode       (Query|Assert) #IMPLIED >

      <!ELEMENT Card (ExpDate, ValidDate?) >
      <!ATTLIST Card
                id          ID        #IMPLIED
                Mode       (Query|Assert) #IMPLIED
                Name        CDATA     #IMPLIED
                Type        NMTOKEN   #IMPLIED
                Number      NMTOKEN   #REQUIRED
                Protocols   NMTOKENS  #IMPLIED
                Verification NMTOKEN  #IMPLIED
                Issuer      NMTOKEN   #IMPLIED >

      <!ELEMENT Loyalty (ExpDate?, ValidDate?) >
      <!ATTLIST Loyalty
                id          ID        #IMPLIED
                Mode        (Query|Assert) #IMPLIED
                Name        CDATA     #IMPLIED
                Type        NMTOKEN   #IMPLIED
                Number      NMTOKEN   #REQUIRED
                Verification NMTOKEN  #IMPLIED >

      <!ELEMENT ExpDate EMPTY >
      <!ATTLIST ExpDate
                id          ID        #IMPLIED
                Mode        (Query|Assert) #IMPLIED
                Day         NMTOKEN   #IMPLIED
                Month       NMTOKEN   #REQUIRED
                Year        NMTOKEN   #REQUIRED >

      <!ELEMENT ValidDate EMPTY >
      <!ATTLIST ValidDate
                id          ID        #IMPLIED
                Mode        (Query|Assert) #IMPLIED
                Day         NMTOKEN   #IMPLIED
                Month       NMTOKEN   #IMPLIED
                Year        NMTOKEN   #REQUIRED >

      <!ELEMENT User ( #PCDATA | UserID | Password )* >
      <!ATTLIST User
                id          ID        #IMPLIED
                Mode        (Query|Assert) #IMPLIED
                CertificateURL CDATA  #IMPLIED
                DataCountry NMTOKEN   #IMPLIED
                DataLanguage CDATA    #IMPLIED >

      <!ELEMENT UserID (#PCDATA) >
      <!ATTLIST UserID



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                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT Password (#PCDATA) >
      <!ATTLIST Password
                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT Merchant (Terminal) >
      <!ATTLIST Merchant
                Mode        (Query|Assert) #IMPLIED
                id          ID        #IMPLIED >

      <!ELEMENT Terminal EMPTY >
      <!ATTLIST Terminal
                Id          ID     #IMPLIED
                Mode        (Query|Assert) #IMPLIED
                Data        CDATA  #IMPLIED >

      <!ELEMENT Transaction ( #PCDATA | Id | Code | Date | Data |
                              Inquiry | Signature )* >
      <!ATTLIST Transaction
                Amount      CDATA     #IMPLIED
                Currency    NMTOKEN   #IMPLIED
                Mode        (Query|Assert) #IMPLIED
                Type        NMTOKEN   #IMPLIED >

      <!ELEMENT Id EMPTY >
      <!ATTLIST Id
                Id          ID        #IMPLIED
                Mode        (Query|Assert) #IMPLIED
                CID         NMTOKEN   #IMPLIED
                Reference   NMTOKEN   #IMPLIED
                Acquire     NMTOKEN   #IMPLIED
                Forward     NMTOKEN   #IMPLIED >

      <!ELEMENT Code EMPTY >
      <!ATTLIST Code
                Mode        (Query|Assert) #IMPLIED
                Processing  CDATA     #IMPLIED
                Approval    NMTOKEN   #IMPLIED
                Retrieval   NMTOKEN   #IMPLIED
                Action      NMTOKEN   #IMPLIED
                Reason      NMTOKEN   #IMPLIED
                POS         NMTOKEN   #IMPLIED >

      <!ELEMENT Date (Effective?, Settle?, Capture?) >
      <!ATTLIST Date
                Mode        (Query|Assert) #IMPLIED
                id          ID        #IMPLIED >



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      <!ELEMENT Effective EMPTY >
      <!ATTLIST Effective
                id          ID        #IMPLIED
                Mode        (Query|Assert) #IMPLIED
                Day         NMTOKEN   #REQUIRED
                Month       NMTOKEN   #REQUIRED
                Year        NMTOKEN   #REQUIRED >

      <!ELEMENT Settle EMPTY >
      <!ATTLIST Settle
                id          ID        #IMPLIED
                Mode        (Query|Assert) #IMPLIED
                Day         NMTOKEN   #REQUIRED
                Month       NMTOKEN   #REQUIRED
                Year        NMTOKEN   #REQUIRED >

      <!ELEMENT Capture EMPTY >
      <!ATTLIST Capture
                id          ID        #IMPLIED
                Mode        (Query|Assert) #IMPLIED
                Day         NMTOKEN   #REQUIRED
                Month       NMTOKEN   #REQUIRED
                Year        NMTOKEN   #REQUIRED >

      <!ELEMENT Data (#PCDATA | Trace | PrivateUse | Response |
                       AAV | Track1 | Track2 )* >
      <!ATTLIST Data
                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT Trace (#PCDATA) >
      <!ATTLIST Trade
                id        ID         #IMPLIED
                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT PrivateUse (#PCDATA) >
      <!ATTLIST PrivateUse
                id        ID         #IMPLIED
                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT Response (#PCDATA) >
      <!ATTLIST Response
                id        ID         #IMPLIED
                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT AAV (#PCDATA) >
      <!ATTLIST AAV
                id        ID         #IMPLIED
                Mode      (Query|Assert) #IMPLIED >



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      <!ELEMENT Track1 (#PCDATA) >
      <!ATTLIST Track1
                id        ID         #IMPLIED
                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT Track2 (#PCDATA) >
      <!ATTLIST Track2
                id        ID         #IMPLIED
                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT Inquiry (#PCDATA) >
      <!ATTLIST Inquiry
                id        ID         #IMPLIED
                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT Signature (#PCDATA) >
      <!ATTLIST Signature
                id        ID         #IMPLIED
                Mode      (Query|Assert) #IMPLIED >

      <!ELEMENT TransactionComplete EMPTY >

2.2.2.  ECML v2 XML Schema

   The following is an XML Schema for ECML v2.

   <?xml version="1.0" encoding="utf-8"?>
   <!-- Electronic Commerce Modeling Language v2 -->

   <xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema"
     elementFormDefault="qualified">

     <xs:attribute name="Mode">
       <xs:simpleType>
         <xs:restriction base="xs:string">
           <xs:enumeration value="Query"/>
           <xs:enumeration value="Assert"/>
         </xs:restriction>
       </xs:simpleType>
     </xs:attribute>
     <xs:attribute name="id" type="xs:ID"/>
     <xs:complexType name="EcomSimpleText">
       <xs:simpleContent>
         <xs:extension base="xs:string">
           <xs:attribute ref="Mode" use="optional"/>
           <xs:attribute ref="id" use="optional"/>
         </xs:extension>
       </xs:simpleContent>



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     </xs:complexType>

     <xs:element name="Ecom">
       <xs:complexType mixed="true">
         <xs:choice minOccurs="0" maxOccurs="unbounded">
           <xs:element ref="ShipTo"/>
           <xs:element ref="BillTo"/>
           <xs:element ref="ReceiptTo"/>
           <xs:element ref="Payment"/>
           <xs:element ref="Loyalty"/>
           <xs:element ref="User"/>
           <xs:element ref="Merchant"/>
           <xs:element ref="Transaction"/>
           <xs:element ref="TransactionComplete"/>
         </xs:choice>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="ConsumerOrderID" use="optional"/>
         <xs:attribute name="Merchant" use="optional"/>
         <xs:attribute name="Processor" use="optional"/>
         <xs:attribute name="SchemaVersion" type="xs:string"
           fixed="urn:ietf:params:ecml:v2.0"/>
         <xs:attribute name="WalletID" use="optional"/>
         <xs:attribute name="WalletLocation" type="xs:anyURI"
           use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="ShipTo">
       <xs:complexType mixed="true">
         <xs:choice minOccurs="0" maxOccurs="unbounded">
           <xs:element ref="Postal"/>
           <xs:element ref="Telecom"/>
           <xs:element ref="Online"/>
         </xs:choice>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="BillTo">
       <xs:complexType mixed="true">
         <xs:choice minOccurs="0" maxOccurs="unbounded">
           <xs:element ref="Postal"/>
           <xs:element ref="Telecom"/>
           <xs:element ref="Online"/>
         </xs:choice>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
       </xs:complexType>



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     </xs:element>
     <xs:element name="ReceiptTo">
       <xs:complexType mixed="true">
         <xs:choice minOccurs="0" maxOccurs="unbounded">
           <xs:element ref="Postal"/>
           <xs:element ref="Telecom"/>
           <xs:element ref="Online"/>
         </xs:choice>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Postal">
       <xs:complexType mixed="true">
         <xs:choice minOccurs="0" maxOccurs="unbounded">
           <xs:element ref="Name"/>
           <xs:element ref="Company"/>
           <xs:element ref="Street"/>
           <xs:element ref="City"/>
           <xs:element ref="StateProv"/>
         </xs:choice>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="PostalCode" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="CountryCode" type="xs:NMTOKEN"
           use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Telecom">
       <xs:complexType mixed="true">
         <xs:sequence maxOccurs="unbounded">
           <xs:element name="Phone">
             <xs:complexType>
               <xs:attribute ref="Mode" use="optional"/>
               <xs:attribute ref="id" use="optional"/>
               <xs:attribute name="Number"/>
             </xs:complexType>
           </xs:element>
         </xs:sequence>
         <xs:attribute ref="Mode" use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Online">
       <xs:complexType mixed="true">
         <xs:sequence maxOccurs="unbounded">
           <xs:element name="Email">
             <xs:complexType>



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               <xs:attribute ref="Mode" use="optional"/>
               <xs:attribute ref="id" use="optional"/>
               <xs:attribute name="Address"/>
             </xs:complexType>
           </xs:element>
         </xs:sequence>
         <xs:attribute ref="Mode" use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Payment">
       <xs:complexType>
         <xs:sequence>
           <xs:element name="Card">
             <xs:complexType>
               <xs:sequence>
                 <xs:element ref="ExpDate"/>
                 <xs:element ref="ValidDate" minOccurs="0"/>
               </xs:sequence>
               <xs:attribute ref="Mode" use="optional"/>
               <xs:attribute ref="id" use="optional"/>
               <xs:attribute name="Name" use="optional"/>
               <xs:attribute name="Type" type="xs:NMTOKEN"
                 use="optional"/>
               <xs:attribute name="Number" type="xs:decimal"/>
               <xs:attribute name="Protocols" type="xs:NMTOKENS"
                 use="optional"/>
               <xs:attribute name="Verification"
                 type="xs:NMTOKEN" use="optional"/>
               <xs:attribute name="Issuer" type="xs:NMTOKEN"
                 use="optional"/>
             </xs:complexType>
           </xs:element>
         </xs:sequence>
         <xs:attribute ref="Mode" use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Loyalty">
       <xs:complexType>
         <xs:sequence>
           <xs:element ref="ExpDate"/>
           <xs:element ref="ValidDate" minOccurs="0"/>
         </xs:sequence>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="Name" use="optional"/>
         <xs:attribute name="Type" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Number" type="xs:NMTOKEN"/>



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         <xs:attribute name="Verification" type="xs:NMTOKEN"
           use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="ExpDate">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="Day" type="xs:positiveInteger"/>
         <xs:attribute name="Month" type="xs:positiveInteger"/>
         <xs:attribute name="Year" type="xs:positiveInteger"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="ValidDate">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="Day" type="xs:positiveInteger"/>
         <xs:attribute name="Month" type="xs:positiveInteger"/>
         <xs:attribute name="Year" type="xs:positiveInteger"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="User">
       <xs:complexType mixed="true">
         <xs:choice minOccurs="0" maxOccurs="unbounded">
           <xs:element ref="UserID"/>
           <xs:element ref="Password"/>
         </xs:choice>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="CertificateURL" type="xs:anyURI"
           use="optional"/>
         <xs:attribute name="DataCountry" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="DataLanguage" type="xs:language"
           use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Transaction">
       <xs:complexType mixed="true">
         <xs:choice minOccurs="0" maxOccurs="unbounded">
           <xs:element ref="Id"/>
           <xs:element ref="Code"/>
           <xs:element ref="Date"/>
           <xs:element ref="Data"/>
           <xs:element ref="Inquiry"/>
           <xs:element ref="Signature"/>
         </xs:choice>



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         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute name="Currency" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Type" type="xs:NMTOKEN"
           use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Date">
       <xs:complexType>
         <xs:sequence>
           <xs:element ref="Effective" minOccurs="0"/>
           <xs:element ref="Settle" minOccurs="0"/>
           <xs:element ref="Capture" minOccurs="0"/>
         </xs:sequence>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Data">
       <xs:complexType mixed="true">
         <xs:choice minOccurs="0" maxOccurs="unbounded">
           <xs:element ref="Trace"/>
           <xs:element ref="PrivateUse"/>
           <xs:element ref="Response"/>
           <xs:element ref="AAV"/>
           <xs:element ref="Track1"/>
           <xs:element ref="Track2"/>
         </xs:choice>
         <xs:attribute ref="Mode" use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Merchant">
       <xs:complexType>
         <xs:sequence>
           <xs:element name="Terminal">
             <xs:complexType>
               <xs:attribute ref="Mode" use="optional"/>
               <xs:attribute ref="id" use="optional"/>
               <xs:attribute name="Data" use="optional"/>
             </xs:complexType>
           </xs:element>
         </xs:sequence>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
       </xs:complexType>
     </xs:element>

     <xs:element name="AAV" type="EcomSimpleText"/>



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     <xs:element name="Capture">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="Day" type="xs:NMTOKEN"/>
         <xs:attribute name="Month" type="xs:NMTOKEN"/>
         <xs:attribute name="Year" type="xs:NMTOKEN"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="City" type="EcomSimpleText"/>
     <xs:element name="Code">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute name="Processing" use="optional"/>
         <xs:attribute name="Approval" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Retrieval" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Action" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Reason" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="POS" type="xs:NMTOKEN"
           use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Company" type="EcomSimpleText"/>
     <xs:element name="Effective">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="Day" type="xs:NMTOKEN"/>
         <xs:attribute name="Month" type="xs:NMTOKEN"/>
         <xs:attribute name="Year" type="xs:NMTOKEN"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Id">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="CID" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Reference" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Acquire" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Forward" type="xs:NMTOKEN"
           use="optional"/>



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       </xs:complexType>
     </xs:element>
     <xs:element name="Inquiry">
       <xs:complexType>
         <xs:simpleContent>
           <xs:extension base="xs:anyURI">
             <xs:attribute ref="Mode" use="optional"/>
             <xs:attribute ref="id" use="optional"/>
           </xs:extension>
        </xs:simpleContent>
       </xs:complexType>
     </xs:element>
     <xs:element name="Name">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="Prefix" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="First" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Middle" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Last" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Suffix" type="xs:NMTOKEN"
           use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Password" type="EcomSimpleText"/>
     <xs:element name="PrivateUse" type="EcomSimpleText"/>
     <xs:element name="Response" type="EcomSimpleText"/>
     <xs:element name="Settle">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="Day" type="xs:NMTOKEN"/>
         <xs:attribute name="Month" type="xs:NMTOKEN"/>
         <xs:attribute name="Year" type="xs:NMTOKEN"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Signature">
       <xs:complexType>
         <xs:simpleContent>
           <xs:extension base="xs:string">
             <xs:attribute ref="Mode" use="optional"/>
             <xs:attribute ref="id" use="optional"/>
           </xs:extension>
        </xs:simpleContent>



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       </xs:complexType>
     </xs:element>
     <xs:element name="StateProv" type="EcomSimpleText"/>
     <xs:element name="Street">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="Line1"/>
         <xs:attribute name="Line2" use="optional"/>
         <xs:attribute name="Line3" use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Trace" type="EcomSimpleText"/>
     <xs:element name="Track1" type="EcomSimpleText"/>
     <xs:element name="Track2" type="EcomSimpleText"/>
     <xs:element name="TransactionComplete">
       <xs:complexType/>
     </xs:element>
     <xs:element name="UserID" type="EcomSimpleText"/>

   </xs:schema>

3.  Usage Notes for ECML v2

   This section provides a general usage guide for ECML v2.

3.1.  Presentation of the Fields

   ECML v2 merely names fields and specifies their content and
   hierarchical organization.  It does not constrain the order or
   completeness of communication of or query for these fields.

   Some parties may wish to provide or ask for more information, and
   some for less by omitting fields.  Some may ask for the information
   they want in one interaction or web page, and others may ask for
   parts of the information at different times in multiple interactions
   or different web pages.  For example, it is common to ask for "ship
   to" information earlier so that the shipping cost can be computed
   before the payment method information.  Some parties may require that
   all the information they request be provided whereas others may make
   much of the information optional.  Other variations are likely.

   Every element may be flagged as a query or assertion by including,
   when XML syntax is in use, the optional Mode attribute with the value
   "Query" or "Assert" respectively.  The Mode attribute effects all
   descendant elements until overridden by a lower level element with a
   Mode attribute.  Thus it is easy to indicate that all of the elements
   in an ECML v2 structure are present as queries or assertions.



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   Query elements may have data content.  Such content SHOULD be
   interpreted as a default value to be returned if no better value is
   known.

   There is no way with Version 2.0 of ECML to indicate what query
   fields a party considers mandatory to be answered.  From this point
   of view, all fields queried are optional to complete.  However, a
   party may give an error or re-present a request for information if
   some field it requires is not completed, just as it may if a field is
   completed in a manner that it considers erroneous.

3.2.  Methods and Flow of Setting the Fields

   A variety of methods of communication is possible between the parties
   by which each can indicate what fields it wants the other to provide.
   Probably the easiest method for currently deployed mass software is
   through fields in an [HTML] form.  Other possibilities include using
   an [XML] exchange, the IOTP Authenticate transaction [RFC2801], or
   proprietary protocols.

   So that browser software can tell what version it is dealing with, it
   is REQUIRED that the Ecom_SchemaVersion field be included in every
   transaction when ECML is being used on the web.  Ecom_SchemaVersion
   SHOULD appear on every web page that has any Ecom fields.  It is
   usually a hidden field in HTML Forms.

   User action or the appearance of the Ecom_SchemaVersion field are
   examples of triggers that can be used to initiate a facility capable
   of providing information in response to an ECML-based query or of
   using information from ECML assertions.  Because some web software
   may require user activation, it is RECOMMENDED that there be at least
   one user-visible Ecom field on every web page with any Ecom fields
   present when ECML is used via the web.

   Under some circumstances, communications can proceed very slowly, so
   it may not be clear to an automated processing function when it is
   finished receiving ECML fields on a web page or the like.  For this
   reason, it is RECOMMENDED that the Ecom_SchemaVersion field be the
   last Ecom field on a web page.

   Transfer or requests for information can extend over several
   interactions or web pages.  Without further provision, a facility
   could either require re-starting on each page or possibly violate or
   appear to violate privacy by continuing to provide personal data
   beyond the end of the transaction with a particular business.  For
   this reason, the Ecom_TransactionComplete field, which is normally
   hidden when it is part of an HTML Form, is provided.  It is
   RECOMMENDED that it appear on the last interaction or web page



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   involved in a transaction, just before an Ecom_SchemaVersion field,
   so that multi-interaction automated logic receives a hint as to when
   to stop if it chooses to check for this field.

4.  Security and Privacy Considerations

   The information called for by many of these fields is sensitive.  It
   should be protected from unauthorized modification and kept
   confidential if it is stored in a location or transmitted over a
   channel where it might otherwise be observed.  In addition, the
   authenticity of the information will be a concern in many systems.

   Mechanisms for such protection and authentication are not specified
   herein but might, depending on circumstances, include object security
   protocols (such as XMLDSIG [RFC3275], XML encryption [XMLENC], or CMS
   [RFC3852]), or channel security (such as TLS [RFC2246] or IPSec
   [RFC2411]).  Systems in which an ECML field or fields are stored and
   later forwarded will likely find object security the most
   appropriate.

   When information is being requested from a user, the user's control
   over the release of such information is needed to protect the user's
   privacy.

   Software that is installed on shared or public terminals should be
   configurable so that memory of any sensitive or individual identity
   information is fully disabled.  This is vital to protect the privacy
   of library patrons, students, and customers using public terminals,
   and of children who might, for example, use a form on a public
   terminal without realizing that their information is being stored.

   When sensitive or individual identification information is stored,
   the operator or user should have an option to protect the
   information; for example, with a password without which the
   information will be unavailable, even to someone who has access to
   the file(s) in which it is being stored.

   Any multi-page/screen 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.

   It should be remembered that default, hidden, and other values
   transferred to another party may be maliciously modified before being
   returned.






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5.  IANA Considerations

   The sections below provide for:

   1.  registration of the ECML v2 XML schema contained in this
       document,

   2.  a version URN for ECML versions,

   3.  the subsidiary registration of particular ECML versions and the
       specific registration of Version 2.0, and

   4.  three additional IANA registries for elements appearing in three
       ECML v2 fields.

5.1.  ECML v2 Schema Template

   The ECML v2 schema give in Section 2.2.2 above is registered as
   follows:

   URI: urn:ietf:params:xml:schema:ECMLv2

   Registrant Contact: The IESG <iesg@ietf.org>

   XML: The XML Schema in Section 2.2.2 above.

5.2.  ECML v2 URN Template

   As specified by the template below from [RFC3553],
   urn:ietf:params:ecml is permanently registered with sub-registration
   via RFC publication.

   Registry name: urn:ietf:params:ecml

   Specification: RFC 4112

   Repository:    RFC 4112

   Index value:   Values subordinate to urn:ietf:params:ecml are
                  registered by RFC publication.  As provided in
                  [RFC3553], once such a value is registered, it may
                  never change.









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5.2.1.  Sub-registration of v2.0

   The subordinate value "v2.0" is hereby permanently registered so that
   the URN

        urn:ietf:params:ecml:v2.0

   is used to indicate an ECML field or fields that conform to this
   specification.  Although it is not anticipated that deeper values
   subordinate to this URN will need to be registered, if necessary,
   they are registered by IESG approval.

5.3.  IANA Registries

   There are three fields described in Section 2.1.2 that require the
   establishment of IANA registries as described below:

   Ecom_Payment_Card_Type
         A registry of case-insensitive alphanumeric ASCII [ASCII]
         card-type designations from one to four characters in length
         with no white space.  See Section 2.1.2, Note 11, for the
         initial 12 designations.  Designations are added based on
         expert approval.  Applicants for registration will normally be
         required already to have an ISO Issuer Identification Number
         (IIN) or set of IINs.

   Ecom_Payment_Card_Protocol
         This field holds a space-separated list of protocols designated
         by case-insensitive alphanumeric ASCII [ASCII] tokens from this
         registry or holds the token "none".  See Section 2.1.2, note
         17, for the initial seven registered tokens (including "none")
         and further information.  Tokens are added to the registry
         based on expert approval.

   Ecom_Transaction_Type
         A case-insensitive alphabetic ASCII [ASCII] value indicating
         the type of transaction.  See Section 2.1.2, note 30, for the
         initial two registered values.  Values are added based on
         expert approval.

6.  Acknowledgements

   The following, listed is alphabetic order, have contributed to the
   material herein:  Ray Bellis, Steve Bellovin, Scott Hollenbeck, Russ
   Housley, Jon Parsons, Lauri Piikivi, David Shepherd, and James J.
   Peter.





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A.  Appendix: Changes from v1.1 to v2

   Substantial rewording of text to change the emphasis from HTML Form
   Fields to XML Syntax.

   Addition of the merchant -> processor fields.

   Addition of the Ecom_Wallet_Location and Ecom_User_Certificate_URL
   fields.

   Addition of the "Mode" attribute.

   Addition of the ECom_Payment_Card_IssueNumber, Loyalty Card fields,
   Device ID, Valid From, and User Data fields.

   Addition of an XML schema.

   Some minor fixes related to telephone numbers.

   Addition of IANA Considerations section.

   Updating of RFC references for obsoleted RFCs.

Normative References

   [ASCII]    USA Standard Code for Information Interchange, X3.4
              American National Standards Institute; New York, 1968.

   [E.164]    ITU-T Recommendation E.164/I.331 (05/97): The
              International Public Telecommunication Numbering Plan.
              1997.

   [ISO3166]  "Codes for the representation of names of countries and
              their subdivisions -- Part 1: Country codes", ISO 3166-1,
              1997.

   [ISO4217]  "Codes for the representation of currencies and funds",
              ISO 4217, 2001.

   [ISO5218]  "Information interchange -- Representation of human
              sexes", ISO 5218, 1977.

   [ISO7812]  "Identification card - Identification of issuers - Part 1:
              Numbering system", ISO 7812-1, 2000.

   [ISO8583]  "Financial transaction card originated messages -
              Interchange message specifications - Part 1: Messages,
              elements and code values", ISO 8583-1, 2001.



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   [RFC2045]  Freed, N. and N. Borenstein, "Multipurpose Internet Mail
              Extensions (MIME) Part One: Format of Internet Message
              Bodies", RFC 2045, November 1996.

   [RFC3066]  Alvestrand, H., "Tags for the Identification of
              Languages", BCP 47, RFC 3066, January 2001.

   [RFC3986]  Berners-Lee, T., Fielding, R., and L. Masinter, "Uniform
              Resource Identifier (URI): Generic Syntax", STD 66, RFC
              3986, January 2005.

   [XML]      Extensible Markup Language (XML) 1.0 (Third Edition),
              Yergeau, F., Bray, T., Paoli, J., Sperberg-McQueen, C. M.,
              Maler, E., and F. Yergeau, February 2004,
              <http://www.w3.org/TR/REC-xml>.

Informative References

   [eCheck]   <http://www.echeck.org>

   [HTML]     "HTML 3.2 Reference Specification", D. Raggett, January
              1997, <http://www.w3.org/TR/REC-html32.html>.

   [P3P.BASE] "The Platform for Privacy Preferences 1.0 (P3P1.0)
              Specification", Cranor, L., Langheinrich, M., Marchiori,
              M., Presler-Marshall, M., and J. Reagle, December 2000,
              <http://www.w3.org/TR/WD-P3P/>.

   [P3P.ECOM] "Using P3P for E-Commerce", Coco, J., Klien, S., Schutzer,
              D., Yen, S., and A. Slater, November 1999,
              <http://www.w3.org/TR/P3P-for-ecommerce>.

   [RFC1034]  Mockapetris, P., "Domain names - concepts and facilities",
              STD 13, RFC 1034, November 1987.

   [RFC2246]  Dierks, T. and C. Allen, "The TLS Protocol Version 1.0",
              RFC 2246, January 1999.

   [RFC2411]  Thayer, R., Doraswamy, N., and R. Glenn, "IP Security
              Document Roadmap", RFC 2411, November 1998.

   [RFC2706]  Eastlake 3rd, D. and T. Goldstein, "ECML v1: Field Names
              for E-Commerce", RFC 2706, October 1999.

   [RFC2801]  Burdett, D., "Internet Open Trading Protocol - IOTP
              Version 1.0", RFC 2801, April 2000.





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   [RFC3106]  Eastlake 3rd, D. and T. Goldstein, "ECML v1.1: Field
              Specifications for E-Commerce", RFC 3106, April 2001.

   [RFC3275]  Eastlake 3rd, D., Reagle, J., and D. Solo, "(Extensible
              Markup Language) XML-Signature Syntax and Processing", RFC
              3275, March 2002.

   [RFC3553]  Mealling, M., Masinter, L., Hardie, T., and G. Klyne, "An
              IETF URN Sub-namespace for Registered Protocol
              Parameters", BCP 73, RFC 3553, June 2003.

   [RFC3852]  Housley, R., "Cryptographic Message Syntax (CMS)", RFC
              3852, July 2004.

   [SET]      Secure Electronic Transaction,
              <http://www.setco.org/set_specifications.html>.

   [XMLENC]   "XML Encryption Syntax and Processing", Eastlake 3rd, D.
              and J. Reagle, December 2002,
              <http://www.w3.org/TR/xmlenc-core/>.

Author's Address

   Donald E. Eastlake 3rd
   Motorola Laboratories
   155 Beaver Street
   Milford, MA 01757 USA

   Phone:  1-508-786-7554 (work)
           1-508-634-2066 (home)
   EMail:  Donald.Eastlake@motorola.com




















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RFC 4112                 ECML v2 Specification                 June 2005


Full Copyright Statement

   Copyright (C) The Internet Society (2005).

   This document is subject to the rights, licenses and restrictions
   contained in BCP 78, and except as set forth therein, the authors
   retain all their rights.

   This document and the information contained herein are provided on an
   "AS IS" basis and THE CONTRIBUTOR, THE ORGANIZATION HE/SHE REPRESENTS
   OR IS SPONSORED BY (IF ANY), THE INTERNET SOCIETY AND THE INTERNET
   ENGINEERING TASK FORCE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED,
   INCLUDING BUT NOT LIMITED TO ANY WARRANTY THAT THE USE OF THE
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   Copies of IPR disclosures made to the IETF Secretariat and any
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   The IETF invites any interested party to bring to its attention any
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Acknowledgement

   Funding for the RFC Editor function is currently provided by the
   Internet Society.







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