Re: [foaf-dev] Credentials Community Group

Peter Williams <[email protected]> Thu, 31 Jul 2014 19:03:27 +0000
Newsgroups gmane.comp.web.rdfweb
Message-ID <50293db4bc0b461486e21639cbb3f94f@BN1PR07MB101.namprd07.prod.outlook.com>
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seems VERY un-foaf

The memo sounds like all the same issues that folks used to talk about in t=
he pre-internet EDI world,  which became the billion dollar PKI boondoggle =
of the 2001 era web, and now seems to have re-surfaced in new blob formats =
in the openid connect world - where all the same ideas are being hashed for=
 the 100th time in the last 30 years.

The very think Ive liked about foaf community it that is distinguished itse=
lf from =93ALL THAT=94. it was speciifcally about the web citizen wanting t=
o surf (and who is not some governed entity, some government id, some contr=
acted service client, someone with this our or outrage about some issue, =
=85).

Sent from Surface Pro

From: Tim Holborn<mailto:[email protected]>
Sent: =FDWednesday=FD, =FDJuly=FD =FD30=FD, =FD2014 =FD11=FD:=FD28=FD =FDPM
To: Manu Sporny<mailto:msporny-FpEJLV8oj+AqgwVRcPComAC/[email protected]>
Cc: foaf dev<mailto:foaf-dev-RyYwo1q5J+qsOXdr9/[email protected]>, [email protected]<m=
ailto:[email protected]>, Web Payments CG<mailto:[email protected]=
g>, [email protected]<mailto:[email protected]>

Hi Manu,

I=92m really pleased to see the initiative set-up to form a community that=
=92s seemingly designed to focus on identity issues specifically, rather th=
an the use of identity in trade use-cases.  Potentially a great outcome.  I=
=92m therefore hoping the notes below can be assessed, considered and perha=
ps put into more cognoscente set of considerations overall..

I haven=92t seen any references supporting loosely coupled identifiers (i.e=
. private associations between the proposed identity credential tools - and=
 psudo-anonymity / loosely coupled identifiers).

I refer back to http://www.verisigninc.com/en_US/innovation/verisign-labs/s=
peakers-series/evolution-of-internet/index.xhtml  (particularly @23minutes =
- but the whole thing is good)

This in-turn relates to issues such as =91choice of law=92, when signing-up=
 to site services and an array of other more sophisticated problems / consi=
derations, that perhaps people generally could better understand as a const=
ituent of entering into any-such agreements.

I also note that WebID and FOAF is not listed in the proposal, nor are what=
 i=92d term =91data-rights declarations=92 listed in the scope of work.  In=
 terms of =92safety=92 (per the video above) or security, i think the abili=
ty to include other identity related =91linked-data=92 issues - such as met=
hods for credential holders to make declaration about the use-expectations =
for information/data provided to 3rd parties; and, the ability to not requi=
re individuals to unnecessarily disclose identity information. Inclusively =
providing means to beneficially support protection of individuals, whilst s=
till establishing new identity related tools (which in-turn bring new safet=
y issues for web-users).  In effect, a more holistic approach may benefit t=
he requirements (and/or intent) pursuant to other safety issues inclusive t=
o identity and authentication, whether explicit or implicit; and, as descri=
bed in precedent requirements such as KYC / AML.

Without the use of identity for authentication - the identity credential it=
self becomes useless.

=92not everyone needs to know or see everything=92.

It seems that the authentication principles (inc. systems) also form import=
ant elements of the identity credentials lifecycle. I=92ve been constructin=
g concept of =91data rights=92, which has yielded some interest already - a=
nd i=92m yet to find a technical home for it, though i believe could fit in=
 well to a W3 CG that=92s appropriately broad in its considerations of pers=
onal identity requirements.

Therein; some of the =91data rights' ontological concepts i=92ve considered=
 include,

Data:Reuse
Data:Accessibility
Data:Security
Data:Privacy
Data:Sovereignty
Data:Storage

I note that in my research i=92ve found that organisations may suffer from =
the costs incurred if / when privacy (or other) legislation is passed by a =
state, incurring new obligations that in-turn need to be enacted through DB=
 related SYSADMIN tasks. therein, the capacity for individuals to be presen=
ted with choices (perhaps also incentives for different types of choices - =
i.e. join the loyalty program get 10% discount, free-updates, etc.) assists=
 all parties involved in the transaction.  I think in other instances, it=
=92s a bit like seeing advertising your actually interested in - or ensurin=
g the direct mail is being received by people, not dumped into the virtual =
dumpster - which is a waste of energy, if not to consider other issues ther=
ein.

Finally - these standards most affect individuals, who are not ordinarily p=
aid-up members of W3C.   The membership of W3C in-turn have fiduciary requi=
rements around what they need, in-order to comply with law.  Due to the tru=
ly amazing behaviours, works and passion - arguably for furthering humanity=
 (can=92t think of a way to summarise it - i=92ve started considering the c=
oncepts around how we all share WWW citizenship..) the platform exists, as =
may not have been the case should some of the initial decisions have been d=
ifferent..  The motivations were designed to help organisations, by empower=
ing people to communicate more effectively.

I find "Network Theory Seminar with Tim Berners-Lee=94 presentation https:/=
/twitter.com/WebCivics/status/492707794760392704  (the https://twitter.com/=
WebCivics/ will be resourcing an array of links around this territory of co=
nsideration / =91web science=92) quite grounding; and in-turn, we are certa=
inly at a stage where identity, the digital treatment of persons is a massi=
ve issue, on so very many levels.  This area is a can of worms.  So my $0.0=
2c (or currently about 0.03488uBTC) would be that credentials is an element=
 of identity and personal permissions standards - or - regardless of the na=
me - perhaps your scope is a little too narrow, as to best serve the needs =
of its intended beneficiaries.

- Authentication is required to create =91barriers=92 around someone who is=
 not you, =91authenticating=92 as you - on computing systems.
- Permissions are required so that we=92re not entrapping people into thing=
s they=92re otherwise not required to do.
- Personal - is different from any act you make, in association to others w=
hether acting as an agent or a member of the community.

Identity is more broadly nebulous, a concept of study in many social scienc=
es / liberal arts - manifestly, something that is not digital or binary.  Y=
ET, we have credentials and identifiers, or 'footprints'=85  We are legally=
 recognised entities - or at least, we should be.

inclusive concepts of course: include, the rights, privileges and responsib=
ilities of citizenship and social participation; yet, then it starts to bec=
ome more complicated.  In this world, without economic recognition - people=
 can barely subsist.

Access to justice for incorporated entities, vs. access to justice for the =
majority of WWW citizens is not reasonably equal. large companies and indiv=
iduals have issues sharing intellectual property, without a ledger - who kn=
ows who did what first; generally, the individual does not have a legal dep=
artment, yet equally perhaps they=92ve got some strategy that could waste a=
lot of time and shareholder money - or perhaps, someone had a KPI that they=
 found difficult to meet without =91cutting corners=92.

when dealing with identity - at this level no less - I think it=92s imperat=
ive that we ensure the scope is defined in a manner that holistically ensur=
es =91duty of care=92, as we are able to discharge as professional - commun=
ity members - on a best-efforts basis, to make an attempt that our work is =
defined in such a way that it seeks not diminish the responsibility or oppo=
rtunity of any party, to act in good-faith and to maintain our responsibili=
ties as citizens throughout our affairs, including those in which we act as=
 an authorised representative and/or agent - for an incorporated entity.

love it or hate it - most things that affect us has an economic price-tag, =
whether that rational has been realised, is yet to become realised or has b=
ecome subject to barriers and may be unaccessible.

FUNCTIONAL

I note an array of community initiatives.

https://webwewant.org/
http://webfoundation.org/
http://www.purpose.com/

(noting that many others exist=85)

I=92m also working on this concept called =91web civics=92 which aims to cr=
eate events that link =91locals=92 with =91international experts=92, help f=
inish product produced by scientists such as those on these lists, etc.

I=92ve found that people are engaging me about these sorts of issues and th=
at the most interesting conversations are with people who are consummate pr=
ofessionals, in different (and sometimes related or complimentary) fields. =
 I feel it=92s important to develop these conversations, build social bridg=
es.

Yet when it gets down to functional - the concepts need to be converted int=
o standards, and i believe supporting W3C Community group works - is the be=
st possible method to get that work done.  Perhaps, this is misguided - not=
 sure.  ATM i can see an array of different groups looking at identity rela=
ted issues.  From the persistent messages about different crypto standards,=
 to ontological debates, messaging standards (i.e.: serialisation methods -=
 turtle vs. json-ld), etc.

underlying some of these issues is most likely a host of patent / IPR issue=
s, etc.

If,

W3 participants specialised in this field - no matter where in the ideologi=
cal spectrum they=92re focused upon - can accumulatively collaborate / coop=
erate - towards a standard that can support an array of different use-cases=
 (focused on the use of Linked-Data / RDF / including decentralised web tec=
h.) then, i believe the potential for standards work could have enormously =
beneficial implications.

However -  I equally understand that this may in-turn bring about a resourc=
ing issue.  To which, a largely philosophical strategy might need to be dep=
loyed in considering how these needs be met.




On 31 Jul 2014, at 2:03 pm, Manu Sporny <msporny-FpEJLV8oj+AqgwVRcPComAC/[email protected]<mailto:m=
sporny-FpEJLV8oj+AqgwVRcPComAC/[email protected]>> wrote:

For those of you that may have missed it in the minutes, we believe we
now have enough momentum to launch a Credentials Community Group at W3C
to take over the identity/credentials use cases and technology that this
group has been working on for a few years now.

There has been concern voiced that this group would be side-tracked by
much of the identity/credentials work. We now believe that we've found
some other organizations in the payments, education, and government ID
spaces that would like to lead the work (ensuring that the identity use
cases related to payment continue to be supported). The proposed charter
for that group is here:

https://docs.google.com/document/d/1dPzWbPF0jlox8UHnr522nBWCjLJMQ_vGbbtsA5-=
pAsg/edit

Please provide input on the charter. It's heavily modeled on the charter
for this group (so if you like the way this group is run, you should
like the way that group is run).

The discussion around the formation of the group starts here:

https://web-payments.org/minutes/2014-07-30/#2

-- manu

--
Manu Sporny (skype: msporny, twitter: manusporny, G+: +Manu Sporny)
Founder/CEO - Digital Bazaar, Inc.
blog: The Marathonic Dawn of Web Payments
http://manu.sporny.org/2014/dawn-of-web-payments/



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algun Gothic', 'sans-serif';font-size:12pt;">
<div>seems VERY un-foaf </div>
<div><br>
</div>
<div>The memo sounds like all the same issues that folks used to talk about=
 in the pre-internet EDI world,&nbsp; which became the billion dollar PKI b=
oondoggle of the 2001 era web, and now seems to have re-surfaced in new blo=
b formats in the openid connect world
 - where all the same ideas are being hashed for the 100th time in the last=
 30 years.</div>
<div><br>
</div>
<div>The very think Ive liked about foaf community it that is distinguished=
 itself from&nbsp;=93ALL THAT=94. it was speciifcally about the web citizen=
 wanting to surf (and who is not some governed entity, some government id, =
some contracted service client, someone with
 this our or outrage about some issue, =85).<br>
</div>
<div data-signatureblock=3D"true">
<div><br>
</div>
<div>Sent from Surface Pro</div>
<div><br>
</div>
</div>
<div style=3D"padding-top: 5px; border-top-color: rgb(229, 229, 229); borde=
r-top-width: 1px; border-top-style: solid;">
<div><font face=3D" 'Calibri', 'Segoe UI', 'Meiryo', 'Microsoft YaHei UI', =
'Microsoft JhengHei UI', 'Malgun Gothic', 'sans-serif'" style=3D"line-heigh=
t: 15pt; letter-spacing: 0.02em; font-family: &quot;Calibri&quot;, &quot;Se=
goe UI&quot;, &quot;Meiryo&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Mic=
rosoft JhengHei UI&quot;, &quot;Malgun Gothic&quot;, &quot;sans-serif&quot;=
; font-size: 12pt;"><b>From:</b>&nbsp;<a href=3D"mailto:timothy.holborn@gma=
il.com" target=3D"_parent">Tim
 Holborn</a><br>
<b>Sent:</b>&nbsp;=FDWednesday=FD, =FDJuly=FD =FD30=FD, =FD2014 =FD11=FD:=
=FD28=FD =FDPM<br>
<b>To:</b>&nbsp;<a href=3D"mailto:msporny-FpEJLV8oj+AqgwVRcPComAC/[email protected]" target=3D"_par=
ent">Manu Sporny</a><br>
<b>Cc:</b>&nbsp;<a href=3D"mailto:foaf-dev-RyYwo1q5J+qsOXdr9/[email protected]" target=
=3D"_parent">foaf dev</a>,
<a href=3D"mailto:[email protected]" target=3D"_parent">[email protected]=
rg</a>, <a href=3D"mailto:[email protected]" target=3D"_parent">
Web Payments CG</a>, <a href=3D"mailto:[email protected]" target=3D"_parent=
">[email protected]</a></font></div>
</div>
<div><br>
</div>
<div dir=3D"">Hi Manu,
<div><br>
</div>
<div>I=92m really pleased to see the initiative set-up to form a community =
that=92s seemingly designed to focus on identity issues specifically, rathe=
r than the use of identity in trade use-cases. &nbsp;Potentially a great ou=
tcome. &nbsp;I=92m therefore hoping the notes below
 can be assessed, considered and perhaps put into more cognoscente set of c=
onsiderations overall..</div>
<div><br>
</div>
<div>I haven=92t seen any references supporting loosely coupled identifiers=
 (i.e. private associations between the proposed identity credential tools =
- and psudo-anonymity / loosely coupled identifiers).</div>
<div><br>
</div>
<div>I refer back to&nbsp;<a href=3D"http://www.verisigninc.com/en_US/innov=
ation/verisign-labs/speakers-series/evolution-of-internet/index.xhtml" targ=
et=3D"_parent">http://www.verisigninc.com/en_US/innovation/verisign-labs/sp=
eakers-series/evolution-of-internet/index.xhtml</a>&nbsp;
 (particularly @23minutes - but the whole thing is good)</div>
<div><br>
</div>
<div>This in-turn relates to issues such as =91choice of law=92, when signi=
ng-up to site services and an array of other more sophisticated problems / =
considerations, that perhaps people generally could better understand as a =
constituent of entering into any-such
 agreements.&nbsp;</div>
<div><br>
</div>
<div>I also note that WebID and FOAF is not listed in the proposal, nor are=
 what i=92d term =91data-rights declarations=92 listed in the scope of work=
. &nbsp;In terms of =92safety=92 (per the video above) or security, i think=
 the ability to include other identity related
 =91linked-data=92 issues - such as methods for credential holders to make =
declaration about the use-expectations for information/data provided to 3rd=
 parties; and, the ability to not require individuals to unnecessarily disc=
lose identity information. Inclusively
 providing means to beneficially support protection of individuals, whilst =
still establishing new identity related tools (which in-turn bring new safe=
ty issues for web-users). &nbsp;In effect, a more holistic approach may ben=
efit the requirements (and/or intent)
 pursuant to other safety issues inclusive to identity and authentication, =
whether explicit or implicit; and, as described in precedent requirements s=
uch as KYC / AML.&nbsp;</div>
<div><br>
</div>
<div>
<div>Without the use of identity for authentication - the identity credenti=
al itself becomes useless. &nbsp;&nbsp;</div>
</div>
<div><br>
</div>
<div>=92not everyone needs to know or see everything=92.&nbsp;</div>
<div><br>
</div>
<div>It seems that the authentication principles (inc. systems) also form i=
mportant elements of the identity credentials lifecycle. I=92ve been constr=
ucting concept of =91data rights=92, which has yielded some interest alread=
y - and i=92m yet to find a technical home
 for it, though i believe could fit in well to a W3 CG that=92s appropriate=
ly broad in its considerations of personal identity requirements. &nbsp;</d=
iv>
<div><br>
</div>
<div>Therein; some of the =91data rights' ontological concepts i=92ve consi=
dered include,</div>
<div><br>
</div>
<div>
<div>Data:Reuse</div>
<div>Data:Accessibility</div>
<div>Data:Security</div>
<div>Data:Privacy</div>
<div>Data:Sovereignty&nbsp;</div>
<div>Data:Storage</div>
</div>
<div><br>
</div>
<div>I note that in my research i=92ve found that organisations may suffer =
from the costs incurred if / when privacy (or other) legislation is passed =
by a state, incurring new obligations that in-turn need to be enacted throu=
gh DB related SYSADMIN tasks. therein,
 the capacity for individuals to be presented with choices (perhaps also in=
centives for different types of choices - i.e. join the loyalty program get=
 10% discount, free-updates, etc.) assists all parties involved in the tran=
saction. &nbsp;I think in other instances,
 it=92s a bit like seeing advertising your actually interested in - or ensu=
ring the direct mail is being received by people, not dumped into the virtu=
al dumpster - which is a waste of energy, if not to consider other issues t=
herein.</div>
<div><br>
</div>
<div>Finally - these standards most affect individuals, who are not ordinar=
ily paid-up members of W3C. &nbsp; The membership of W3C in-turn have fiduc=
iary requirements around what they need, in-order to comply with law. &nbsp=
;Due to the truly amazing behaviours, works
 and passion - arguably for furthering humanity (can=92t think of a way to =
summarise it - i=92ve started considering the concepts around how we all sh=
are WWW citizenship..) the platform exists, as may not have been the case s=
hould some of the initial decisions
 have been different.. &nbsp;The motivations were designed to help organisa=
tions, by empowering people to communicate more effectively. &nbsp;</div>
<div><br>
</div>
<div>I find &quot;Network Theory Seminar with Tim Berners-Lee=94 presentati=
on&nbsp;<a href=3D"https://twitter.com/WebCivics/status/492707794760392704"=
 target=3D"_parent">https://twitter.com/WebCivics/status/492707794760392704=
</a>&nbsp; (the
<a href=3D"https://twitter.com/WebCivics/" target=3D"_parent">https://twitt=
er.com/WebCivics/</a> will be resourcing an array of links around this terr=
itory of consideration / =91web science=92) quite grounding; and in-turn, w=
e are certainly at a stage where identity,
 the digital treatment of persons is a massive issue, on so very many level=
s. &nbsp;This area is a can of worms. &nbsp;So my $0.02c (or currently abou=
t 0.03488uBTC) would be that credentials is an element of identity and pers=
onal permissions standards - or - regardless
 of the name - perhaps your scope is a little too narrow, as to best serve =
the needs of its intended beneficiaries.</div>
<div><br>
</div>
<div>- Authentication is required to create =91barriers=92 around someone w=
ho is not you, =91authenticating=92 as you - on computing systems.</div>
<div>- Permissions are required so that we=92re not entrapping people into =
things they=92re otherwise not required to do.</div>
<div>- Personal - is different from any act you make, in association to oth=
ers whether acting as an agent or a member of the community.</div>
<div><br>
</div>
<div>Identity is more broadly nebulous, a concept of study in many social s=
ciences / liberal arts - manifestly, something that is not digital or binar=
y. &nbsp;YET, we have credentials and identifiers, or 'footprints'=85 &nbsp=
;We are legally recognised entities - or at
 least, we should be. &nbsp;</div>
<div><br>
</div>
<div>inclusive concepts of course: include, the rights, privileges and resp=
onsibilities of citizenship and social participation; yet, then it starts t=
o become more complicated. &nbsp;In this world, without economic recognitio=
n - people can barely subsist.&nbsp;</div>
<div><br>
</div>
<div>Access to justice for incorporated entities, vs. access to justice for=
 the majority of WWW citizens is not reasonably equal. large companies and =
individuals have issues sharing intellectual property, without a ledger - w=
ho knows who did what first; generally,
 the individual does not have a legal department, yet equally perhaps they=
=92ve got some strategy that could waste alot of time and shareholder money=
 - or perhaps, someone had a KPI that they found difficult to meet without =
=91cutting corners=92. &nbsp;</div>
<div><br>
</div>
<div>when dealing with identity - at this level no less - I think it=92s im=
perative that we ensure the scope is defined in a manner that holistically =
ensures =91duty of care=92, as we are able to discharge as professional - c=
ommunity members - on a best-efforts basis,
 to make an attempt that our work is defined in such a way that it seeks no=
t diminish the responsibility or opportunity of any party, to act in good-f=
aith and to maintain our responsibilities as citizens throughout our affair=
s, including those in which we act
 as an authorised representative and/or agent - for an incorporated entity.=
&nbsp;</div>
<div>&nbsp;</div>
<div>love it or hate it - most things that affect us has an economic price-=
tag, whether that rational has been realised, is yet to become realised or =
has become subject to barriers and may be unaccessible.&nbsp;</div>
<div><br>
</div>
<div>FUNCTIONAL</div>
<div><br>
</div>
<div>I note an array of community initiatives.</div>
<div><br>
</div>
<div><a href=3D"https://webwewant.org/" target=3D"_parent">https://webwewan=
t.org/</a></div>
<div><a href=3D"http://webfoundation.org/" target=3D"_parent">http://webfou=
ndation.org/</a></div>
<div><a href=3D"http://www.purpose.com/" target=3D"_parent">http://www.purp=
ose.com/</a></div>
<div><br>
</div>
<div>(noting that many others exist=85)</div>
<div><br>
</div>
<div>I=92m also working on this concept called =91web civics=92 which aims =
to create events that link =91locals=92 with =91international experts=92, h=
elp finish product produced by scientists such as those on these lists, etc=
.&nbsp;</div>
<div><br>
</div>
<div>I=92ve found that people are engaging me about these sorts of issues a=
nd that the most interesting conversations are with people who are consumma=
te professionals, in different (and sometimes related or complimentary) fie=
lds. &nbsp;I feel it=92s important to develop
 these conversations, build social bridges.</div>
<div><br>
</div>
<div>Yet when it gets down to functional - the concepts need to be converte=
d into standards, and i believe supporting W3C Community group works - is t=
he best possible method to get that work done. &nbsp;Perhaps, this is misgu=
ided - not sure. &nbsp;ATM i can see an array
 of different groups looking at identity related issues. &nbsp;From the per=
sistent messages about different crypto standards, to ontological debates, =
messaging standards (i.e.: serialisation methods - turtle vs. json-ld), etc=
.</div>
<div><br>
</div>
<div>underlying some of these issues is most likely a host of patent / IPR =
issues, etc.</div>
<div><br>
</div>
<div>If,&nbsp;</div>
<div><br>
</div>
<div>W3 participants specialised in this field - no matter where in the ide=
ological spectrum they=92re focused upon - can accumulatively collaborate /=
 cooperate - towards a standard that can support an array of different use-=
cases (focused on the use of Linked-Data
 / RDF / including decentralised web tech.) then, i believe the potential f=
or standards work could have enormously beneficial implications.</div>
<div><br>
</div>
<div>However - &nbsp;I equally understand that this may in-turn bring about=
 a resourcing issue. &nbsp;To which, a largely philosophical strategy might=
 need to be deployed in considering how these needs be met. &nbsp;</div>
<div><br>
</div>
<div><br>
</div>
<div><br>
</div>
<div>&nbsp;<br>
<div>
<div>On 31 Jul 2014, at 2:03 pm, Manu Sporny &lt;<a href=3D"mailto:msporny@=
digitalbazaar.com" target=3D"_parent">msporny-FpEJLV8oj+AqgwVRcPComAC/[email protected]</a>&gt; wro=
te:</div>
<br class=3D"Apple-interchange-newline">
<blockquote style=3D"margin-top: 0px; margin-bottom: 0px;">For those of you=
 that may have missed it in the minutes, we believe we<br>
now have enough momentum to launch a Credentials Community Group at W3C<br>
to take over the identity/credentials use cases and technology that this<br=
>
group has been working on for a few years now.<br>
<br>
There has been concern voiced that this group would be side-tracked by<br>
much of the identity/credentials work. We now believe that we've found<br>
some other organizations in the payments, education, and government ID<br>
spaces that would like to lead the work (ensuring that the identity use<br>
cases related to payment continue to be supported). The proposed charter<br=
>
for that group is here:<br>
<br>
<a href=3D"https://docs.google.com/document/d/1dPzWbPF0jlox8UHnr522nBWCjLJM=
Q_vGbbtsA5-pAsg/edit" target=3D"_parent">https://docs.google.com/document/d=
/1dPzWbPF0jlox8UHnr522nBWCjLJMQ_vGbbtsA5-pAsg/edit</a><br>
<br>
Please provide input on the charter. It's heavily modeled on the charter<br=
>
for this group (so if you like the way this group is run, you should<br>
like the way that group is run).<br>
<br>
The discussion around the formation of the group starts here:<br>
<br>
https://web-payments.org/minutes/2014-07-30/#2<br>
<br>
-- manu<br>
<br>
-- <br>
Manu Sporny (skype: msporny, twitter: manusporny, G&#43;: &#43;Manu Sporny)=
<br>
Founder/CEO - Digital Bazaar, Inc.<br>
blog: The Marathonic Dawn of Web Payments<br>
http://manu.sporny.org/2014/dawn-of-web-payments/<br>
<br>
</blockquote>
</div>
<br>
</div>
</div>
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