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thijsniks's profile
Thijs Niks
Thijs Niks
Thijs Niks
@thijsniks

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Thijs Niks

@thijsniks

Product Manager for ☎️ at @WhatsApp / ❤️ retweets

San Francisco, CA
thijs.niks.nu
Joined February 2009

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    Two-way (sending and receiving) short codes:

    Country Code For customers of
    United States 40404 (any)
    Canada 21212 (any)
    United Kingdom 86444 Vodafone, Orange, 3, O2
    Brazil 40404 Nextel, TIM
    Haiti 40404 Digicel, Voila
    Ireland 51210 Vodafone, O2
    India 53000 Bharti Airtel, Videocon, Reliance
    Indonesia 89887 AXIS, 3, Telkomsel, Indosat, XL Axiata
    Italy 4880804 Wind
    3424486444 Vodafone
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    1. Thijs Niks‏ @thijsniks 24 May 2020

      This is also where we run into some naming problems. The person paying is confirming, but no longer actively sending the money. To indicate who sends and who receives money, the payment world likes to use: payer/payee payer/beneficiary debtor/creditor

      1 reply 0 retweets 0 likes
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    2. Thijs Niks‏ @thijsniks 24 May 2020

      However, those are difficult words. payer/payee only differ one letter, making mistakes easy. beneficiary scores 36/100 on the Flesch–Kincaid test. creditor scores just 23/100 https://www.webfx.com/tools/read-able/check.php …

      1 reply 0 retweets 0 likes
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    3. Thijs Niks‏ @thijsniks 24 May 2020

      In my opinion, comprehension outweighs precision for light-weight protocols used by a broad public. Especially because the people who need the exact definition will be capable enough to read the specification.

      1 reply 0 retweets 0 likes
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    4. Thijs Niks‏ @thijsniks 24 May 2020

      Another thing to add is an idempotency key to prevent the same transaction from being completed twice. Given the decentralized nature of this scheme and the fact that the key does not need to be exposed to the user, I suggest an RFC 4122 UUID.

      1 reply 0 retweets 0 likes
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    5. Thijs Niks‏ @thijsniks 24 May 2020

      You would add: &unique_key=[uuid] And it gets passed on to the bank, which stores it for a minimum of 30 days. They also return it to the callback url. Again, ‘unique’ should be easier to understand to the general public than ‘idempotent.’

      1 reply 0 retweets 0 likes
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    6. Thijs Niks‏ @thijsniks 24 May 2020

      The callback needs to be verified though, which we can do through a combination of: (a) The unique key (which transaction) (b) HTTP Signatures (correct server) (c) Bank account number to domain name mapping maintained by the central directory (server is a bank)

      1 reply 0 retweets 0 likes
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    7. Thijs Niks‏ @thijsniks 24 May 2020

      URL maximum is 2048 characters, but they are preferably shorter than that to generate easy to scan QR codes. Every parameter has a preferred long-form and optional short-form: type = t receiver_name = rn receiver_identifier = ri sender_identifier = si recur_frequency = rf

      1 reply 0 retweets 0 likes
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    8. Thijs Niks‏ @thijsniks 24 May 2020

      And we can even merge some variables: &currency=EUR &amount=9.50 is shortened as &a=EUR9.50

      3 replies 0 retweets 0 likes
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    9. Robert Dolca‏ @robertdxyz 24 May 2020
      Replying to @thijsniks

      Pissing sensitive date (amounts and currency) as GET parameters possess a privacy and security risk. Especially if the destination page has analytics integrations.

      1 reply 0 retweets 0 likes
    10. Thijs Niks‏ @thijsniks 24 May 2020
      Replying to @robertdxyz

      The destination pages should be controlled by the central and commercial banks (so low risk), but people will put links in unencrypted channels anyway (email, tweets, etc). Not sure if that risk is so big that it prevents this whole thing

      1 reply 0 retweets 0 likes
      Thijs Niks‏ @thijsniks 24 May 2020

      PayPal does have links with username and amount https://www.paypal.me 

      9:09 PM - 24 May 2020
      • 1 Like
      • Robert Dolca
      0 replies 0 retweets 1 like

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