The scope of Work Package 7 (WP7) within the NOBID Consortium is twofold. The first is to issue and test digital payment instruments to perform simple, fast and secure person-to-business (P2B) payments. The second is to provide standalone strong customer authentication (SCA) functionality for out-of-band payment initiations using the European Digital Identity Wallet (EUDIW) for transactions aimed at both in-store and e-commerce purchases.
The goal is to ensure minimal disruption to well-established payment infrastructures while reducing requirements for users to perform payments or out-of-band Strong Customer Authentications (SCAs) through the EUDIW – and for Relying Parties to accept identification and payments from the users.
Key objectives, activities, and milestones
WP7 is responsible for the detailed design and development of the payment use case in line with the proposed EUDIW Architecture Reference Framework (ARF). This includes identifying high-level solutions in terms of scope, user journey and technical specifications.
Integrating digital identity and payment frameworks and issuing bank credentials require the analysis and application of technical standards, regulatory and contractual requirements (EU regulation and directives, relevant national laws) and current market implementations. All of this enables users to download and manage their payment credentials in their wallets.
WP7 also tests the payment use case at both the national and cross-border levels. The process includes:
- Selecting and onboarding a test group of users and Relying Parties
- Testing the issuing of payment credentials through the EUDIW and executing the payments
- Collecting results and gathering feedback from the users.
Finally, WP7 assesses the potential market impact of the proposed payment solution and issues recommendations to support a broader rollout of the EUDIW.
Benefits for citizens, businesses and stakeholders
This use case aims at creating a seamless, secure and inclusive payment ecosystem across Europe, transforming the financial landscape for citizens and businesses.
An ecosystem where citizens and businesses will effortlessly make and receive payments across borders, benefiting from the interoperability of the wallet.
Since high levels of security and privacy are integrated into the wallet’s design, user data and transactions are protected from unauthorized access, and sensitive information is handled securely.
Moreover, the wallet leverages and builds on established standards, ensuring compatibility and reliability across different platforms and services.
Finally, through Value-Added Services (VAS), the wallet allows users to share additional attributes beyond payment information, enhancing the overall user experience.
Main participants and contributors
WP7 is co-led by the German Savings Banks Association (DSGV) and Intesa Sanpaolo, involved in the design and testing of the payment use case.
The main contributors who participate with high-level expert knowledge to the definition of the payment use case and the key activities of the WP are ABI Lab, Auðkenni, Bancomat, BankID, Digdir, Greidsluveitan, DNB Bank, InfoCert, Intesi Group, Ministry of Finance and Economic Affairs of Iceland, Ministry of Environmental Protection and Regional Development of the Republic of Latvia, PagoPA, Paymenttools, SEB, and Thales.
Progress and next steps
As of today, WP7 successfully consolidated the scope and detailed design of the payment use case, and significant progress was made towards the finalization of the technical specifications.
WP7 is currently in the development phase and has set the timeline for the implementation phase. Additionally, it has set out the structure of the impact assessment analysis.
The next steps include the following tasks:
- Continue technical developments: WP7 will proceed with ongoing technical enhancements while refining the impact assessment analysis to ensure a thorough understanding of the project’s implications;
- Define the testing phase: This phase will be outlined in detail, specifying relevant use cases and selecting a user group for usability testing to gather meaningful feedback on the user experience;
- Compile results for final Whitepaper: All findings and outcomes will be collected and organized into the final version of the Whitepaper, which will be shared with stakeholders and the wider community to communicate WP7 conclusions and recommendations effectively.
Join the community!
The derived works of the White Paper on the detailed design of the payment use case are now available and open for comments on GitHub!
The documentation, resulting from WP7 group’s ongoing work, is now open to the public and will be consistently updated.
Aligned with the Architecture Reference Framework (ARF), the Payment Regulation and the European Commission’s guidelines, this release includes detailed specifications for implementing Strong Customer Authentication in payments using the EUDI Wallet. It contains annexes on high-level security and technical requirements and offers more clarity on the trust model and the EUDI wallet certification process.
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