SIPPING C. Jennings Internet-Draft Cisco Systems Intended status: Standards Track J. Fischl Expires: April 26, 2007 CounterPath Solutions, Inc. H. Tschofenig Siemens Networks GmbH & Co KG G. Jun Bitpass, Inc. October 23, 2006 Payment for Services in Session Initiation Protocol (SIP) draft-jennings-sipping-pay-05.txt Status of this Memo By submitting this Internet-Draft, each author represents that any applicable patent or other IPR claims of which he or she is aware have been or will be disclosed, and any of which he or she becomes aware will be disclosed, in accordance with Section 6 of BCP 79. Internet-Drafts are working documents of the Internet Engineering Task Force (IETF), its areas, and its working groups. Note that other groups may also distribute working documents as Internet- Drafts. Internet-Drafts are draft documents valid for a maximum of six months and may be updated, replaced, or obsoleted by other documents at any time. It is inappropriate to use Internet-Drafts as reference material or to cite them other than as "work in progress." The list of current Internet-Drafts can be accessed at http://www.ietf.org/ietf/1id-abstracts.txt. The list of Internet-Draft Shadow Directories can be accessed at http://www.ietf.org/shadow.html. This Internet-Draft will expire on April 26, 2007. Copyright Notice Copyright (C) The Internet Society (2006). Abstract Service usage might require some form of compensation and this is also true for many communication systems where an entity receiving a call should be able to charge the caller. This is necessary for Jennings, et al. Expires April 26, 2007 [Page 1] Internet-Draft SIP Payment October 2006 allowing fair communication between two communicating parties and is a major strategy for reducing the viability of SPAM. This draft proposes an approach for doing this in SIP using the Security Assertion Markup Language (SAML). It relies on a third party to act as a payment provider and is designed for low value transactions. It does not aim to provide the same capability as other authentication, authorization and accounting backend infrastructures. Table of Contents 1. Introduction . . . . . . . . . . . . . . . . . . . . . . . . . 4 1.1. SAML Payment Scenario using Assertions . . . . . . . . . . 4 1.2. SAML Payment Scenario using URI References . . . . . . . . 6 2. Terminology . . . . . . . . . . . . . . . . . . . . . . . . . 7 3. Requirements, Assumptions and Goals . . . . . . . . . . . . . 9 4. Non-Goals . . . . . . . . . . . . . . . . . . . . . . . . . . 9 5. Extended SIP SAML Profile . . . . . . . . . . . . . . . . . . 10 5.1. New Option Tags and a SAML Header Created . . . . . . . . 10 5.2. 424 (Bad SAML Information) Response Code . . . . . . . . . 13 6. SIP Payment Protocol . . . . . . . . . . . . . . . . . . . . . 13 6.1. UAC Behavior (Customer) . . . . . . . . . . . . . . . . . 13 6.2. UAS Behavior (Merchant) . . . . . . . . . . . . . . . . . 14 6.3. Computing costs . . . . . . . . . . . . . . . . . . . . . 16 6.4. Transition Scenarios . . . . . . . . . . . . . . . . . . . 16 6.4.1. Merchant Proxy . . . . . . . . . . . . . . . . . . . . 16 6.4.2. Customer Proxy . . . . . . . . . . . . . . . . . . . . 18 6.5. Payment Provider Behavior . . . . . . . . . . . . . . . . 20 6.6. Merchant Fetching Public Key . . . . . . . . . . . . . . . 21 7. SIP Extensions . . . . . . . . . . . . . . . . . . . . . . . . 21 7.1. Update response code 402 . . . . . . . . . . . . . . . . . 21 8. Syntax . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 8.1. Payment Offer . . . . . . . . . . . . . . . . . . . . . . 21 8.2. Request for Payment . . . . . . . . . . . . . . . . . . . 23 8.3. Payment Receipt . . . . . . . . . . . . . . . . . . . . . 25 8.4. Refunds . . . . . . . . . . . . . . . . . . . . . . . . . 27 8.5. Verifying the Receipt . . . . . . . . . . . . . . . . . . 27 9. Usage Scenarios for SIP Payment . . . . . . . . . . . . . . . 28 9.1. SPAM . . . . . . . . . . . . . . . . . . . . . . . . . . . 28 9.2. Micro Billing . . . . . . . . . . . . . . . . . . . . . . 28 10. XML Schemas . . . . . . . . . . . . . . . . . . . . . . . . . 28 10.1. PaymentOffer XML Schema . . . . . . . . . . . . . . . . . 28 10.2. Payment Request . . . . . . . . . . . . . . . . . . . . . 31 10.3. Payment Receipt . . . . . . . . . . . . . . . . . . . . . 33 11. HTTP Binding . . . . . . . . . . . . . . . . . . . . . . . . . 34 12. Security Considerations . . . . . . . . . . . . . . . . . . . 34 12.1. Stolen Assertion . . . . . . . . . . . . . . . . . . . . . 35 12.2. MitM Attack . . . . . . . . . . . . . . . . . . . . . . . 35 Jennings, et al. Expires April 26, 2007 [Page 2] Internet-Draft SIP Payment October 2006 12.3. Forged Assertion . . . . . . . . . . . . . . . . . . . . . 36 12.4. Replay Attack . . . . . . . . . . . . . . . . . . . . . . 36 13. IANA Considerations . . . . . . . . . . . . . . . . . . . . . 36 13.1. Payment-Receipt Header . . . . . . . . . . . . . . . . . . 36 13.2. 402 Response . . . . . . . . . . . . . . . . . . . . . . . 37 13.3. charge+xml . . . . . . . . . . . . . . . . . . . . . . . . 37 13.4. IANA Registration for the SIP SAML Header . . . . . . . . 38 13.5. IANA Registration for Two New SIP Option Tags . . . . . . 38 13.6. IANA Registration for Response Code 4XX . . . . . . . . . 38 14. Acknowledgments . . . . . . . . . . . . . . . . . . . . . . . 38 15. References . . . . . . . . . . . . . . . . . . . . . . . . . . 38 15.1. Normative References . . . . . . . . . . . . . . . . . . . 38 15.2. Informational References . . . . . . . . . . . . . . . . . 39 Authors' Addresses . . . . . . . . . . . . . . . . . . . . . . . . 40 Intellectual Property and Copyright Statements . . . . . . . . . . 41 Jennings, et al. Expires April 26, 2007 [Page 3] Internet-Draft SIP Payment October 2006 1. Introduction Service usage might require some form of compensation and this is also true for many communication systems where an entity receiving a call should be able to charge the caller. This is necessary for allowing fair communication between two communicating parties and is a major strategy for reducing the viability of SPAM. This draft proposes an approach for doing this in SIP using the Security Assertion Markup Language (SAML). It relies on a third party to act as a payment provider and is designed for low value transactions. It does not aim to provide the same capability as other authentication, authorization and accounting backend infrastructures. This document creates SAML profiles and bindings in addition to those specified in [1]. Although this document provides a very specific usage scenario for SAML usage within SIP it is written in a generic way to support other usage scenarios following the same communication pattern. This approach is inline with the idea of SAML. The abstract model allows a SAML assertion or an URI reference to a SAML assertion to be requested from a trusted third party via HTTP. The SAML assertion or URI reference is returned to the requesting party. Then, it is conveyed in SIP to another party that is performing an authorization decision based on the received information. To resolve a URI reference into a SAML assertion it is additionally necessary to contact the trusted third party using HTTP (see [1]). Section 1.1 shows the basic message exchange using SAML assertions and Section 1.2 shows a variation with URI references to SAML assertions. Both message exchanges show the high-level SIP payment interaction where three parties are involved: o a consumer who is the caller (or SAML requester), o a merchant who is the person being called (or SAML responder), o and the Payment Provider (or SAML Authority). 1.1. SAML Payment Scenario using Assertions Jennings, et al. Expires April 26, 2007 [Page 4] Internet-Draft SIP Payment October 2006 P C M | | 1) Call | | |------------------------>| | | | | | 2) 402 + Payment Offer | | 3) Request for |<------------------------| | a Payment | | |<-------------------------| | | | | | 4) SAML Assertion | | | (=Receipt) | | |------------------------->| | | | 5) Call + Receipt | | |------------------------>| | | | | | 6) 200 OK | | |<------------------------| | | | Figure 1: Overview for SAML Assertion Handling The Customer (C) and the Merchant (M) interact with each other using SIP and the Customer uses HTTP to exchange messages with the Payment Provider (P). Initially, C makes a call to M (1). M determines that a payment is required and includes information about the payment in an Offer body of a 402 (Payment Required) response to C (2). C looks at this Offer and decides to make a payment. The Customer instructs its Payment Provider to make a transfer from the Customer's account to the Merchants's account (3) using a request for a SAML assertion with the extensions defined in this document. The Payment Provider returns a receipt for this transfer (4). This receipt is a SAML assertion. C resubmits the call to M but this time provides the Receipt for the transaction (5). If the authorization was successful, M determines whether the Receipt is valid (by checking the digital signature and the content of the assertion) and continues with the call processing. The Offer contains information about the parties P, that are acceptable to M, the amount of the transaction, the account identifier for M at P, and random data (carried in the merchantBits field) to make it easier for M to avoid replay attacks. C includes this information when making the Request for Payment to P; adds its own account information and authorization password; and sends this to P, which produces a Receipt for the transaction if it is successful. This transfer from C to P is made across an encrypted, integrity protected channel. The Receipt includes a timestamp when P made the transaction and protects the Receipt with a digital signature. C resubmits the call to M with the Receipt from P. M can check for Jennings, et al. Expires April 26, 2007 [Page 5] Internet-Draft SIP Payment October 2006 replay attacks using the timestamp and the merchantBits initially provided with the Offer. M can then check the signature is valid using P's public key. 1.2. SAML Payment Scenario using URI References This section shows a variation of the message exchange presented in Section 1.1 with the difference that C requests a URI reference rather than an assertion (see message 3). The Payment Provider creates a SAML assertion after authentication and authorization and crafts a URI reference that points to it, which is then returned to C as part of a successful response message (see message 4). This URI reference is then forwarded to M in message 5. When M wants to resolve the URI reference to an assertion it uses the 'SIP SAML URI- based Assertion Fetch Profile' described in Section 6.1 of [1]. This exchange is shown in message 6 and 7. The receipt is carried in a SIP header. P C M | | 1) Call | | |------------------------>| | | | | | 2) 402 + Payment Offer | | 3) Request for |<------------------------| | a Payment | | |<-------------------------| | | | | | 4) SAML URI Reference | | | (=Receipt) | | |------------------------->| | | | 5) Call + Receipt | | |------------------------>| | | | | 6) HTTP URI Resolution | |<---------------------------------------------------| | | | | 7) HTTP/1.1 200 OK & Assertion | |----------------------------------------------------| | | | | | 8) 200 OK | | |<------------------------| | | | Figure 2: Overview for SAML URI Reference Handling Figure 1 and Figure 2 do not show the interaction between the Merchant and the Customer if refunding is necessary. Additionally, Jennings, et al. Expires April 26, 2007 [Page 6] Internet-Draft SIP Payment October 2006 the interaction between the Merchant and the Payment Provider to reconcile is not shown in these two figures. Further message exchanges that are shown as transition scenarios (see Section 6.4) finish the message exchange. The proposal described in this document does not aim to provide functionality equivalent to AAA protocols. For example, there is no guarantee or recourse if M does not provide the service after C transfers money into M's account. The system is designed for low value transactions in which, if M cheats, C can choose to never deal with M again but the value of the transaction is lost. This scheme is designed for systems whereby the communication between M and C and the communication between C and P can be executed in real time. While it is possible to develop schemes that deal with some of these problems, Payment Providers deploying them have not been willing to provide services for transaction fees on the order of one US cent. The authors believe that the simplified scheme presented here will make it easier to reach these low value transactions. 2. Terminology The key words "MUST", "MUST NOT", "REQUIRED", "SHALL", "SHALL NOT", "SHOULD", "SHOULD NOT", "RECOMMENDED", "MAY", and "OPTIONAL" in this document are to be interpreted as described in RFC 2119 [2]. This work adopts the terminology from the framework in RFC 2801 [13]. Additionally, the following terms are used: Customer: The entity that is paying for the call, typically the SIP User Agent Client (UAC) or a proxy in the same administrative domain as the UAC. Merchant: The entity wishing to be paid for the call, typically the SIP User Agent Server (UAS) or a proxy in the same administrative domain as the UAS. Payment Provider: The third party that handles the transfer of funds from Customer to Merchant. The Internet Open Trading Protocol (IOTP) [13] refers to this as the Brand. Jennings, et al. Expires April 26, 2007 [Page 7] Internet-Draft SIP Payment October 2006 Offer: The information sent from the Merchant to the Customer describing what payment is needed. Request for Payment: The information sent from the Customer to the Payment Provider describing the transfer of currency needed. This request is implemented as a request for a SAML assertion. Receipt: The information sent from the Payment Service Provider to the Customer and passed on to the Merchant. The Receipt is either a SAML assertion or a URI reference to a SAML assertion. The Receipt tells the Customer that the payment transaction was successfully completed (if either a SAML assertion or a SAML URI reference is returned). The Merchant receives an assurance that the transaction was successful after receiving the Receipt and verifying it succesfully. Currency: Could be a classical currency such as the Euro or US Dollar or could be a pseudo currency such as airline mileage points. Assertion: An assertion is an XML document that contains authentication statements, attribute statements and authorization decision statements. In an authentication statement, an issuing authority asserts that a certain subject was authenticated by certain means at a certain time. In an attribute statement, an issuing authority asserts that a certain subject is associated with certain attributes which has certain values. In an authorization decision statement, a certain subject with a certain access type to a certain resource has given certain evidence that the identity is correct. The assertion is digitally signed to protect it against unwanted modifications by third parties. HTTP-based SAML URI Reference: The SAML URI Binding specifies a means by which SAML assertions can be referenced by URIs and thus be obtained through resolution of such URIs. These references point to a server that temporarily stores an assertion. An advantage of SAML URI Bindings is that Jennings, et al. Expires April 26, 2007 [Page 8] Internet-Draft SIP Payment October 2006 they may be placed into a SIP header by intermediate SIP proxy elements. For further terminology related to SAML the reader is referred to [3]. 3. Requirements, Assumptions and Goals This section lists some basic requirements and goals for the protocol presented in this document. This document extends the SIP SAML profile and binding described in [1] and describes a usage scenario utilizing these extensions, namely SIP payment. The goals and assumptions below refer to the application of SAML usage for SIP payment. o Provide a system for callers to pay the person they are calling using a 3rd party clearing house. A trust relationship between the Merchant and the Payment Provider and between the Customer and the Payment Provider must exist. The Customer must be able to authenticate itself to the Payment Provider and to instruct the Payment Provider to transfer money from its account to another account (i.e., the account of the Merchant). It is not necessary for the Customer and Merchant to have a direct relationship with each other. The Payment Provider acts as a clearinghouse. o The protocol must support multiple currencies and must offer the ability for the Customer to learn the price before initiating a transaction. o Support various billing models including: flat rate, per unit time, per unit data o The solution must be cost effective for low cost transactions. o The solution must allow Customers to remain anonymous towards the Merchants. o Support for a simple refund mechanism must be provided. 4. Non-Goals There needs to be a mechanism for Customers and Merchants to enroll and transfer money in and out of their accounts. The mechanisms to accomplish this functionality are outside the scope of this document. They can be provided by using web forms to enroll, obtain an account number, and provide the typical credit card mechanism to transfer money into the account. Transfers out of the account could be done with the typical wire transfer mechanism to bank accounts. Jennings, et al. Expires April 26, 2007 [Page 9] Internet-Draft SIP Payment October 2006 5. Extended SIP SAML Profile Several push-based SIP Request Methods are capable (and applicable) of carrying a SAML assertion or URI reference, including: o INVITE, o REGISTER, o UPDATE, and o MESSAGE, More than one SAML assertion or URI reference to a SAML assertion MAY be included in the same message body part. While the authors do not yet see a reason to have payment receipts carried in the ACK, PRACK, BYE, REFER and CANCEL Methods, we do not see a reason to prevent carrying a SAML assertion or a URI reference within these Method Requests as long as the SIP message meets the requirements stated within this document. SIP end points SHOULD use SIP Identity [4] to tie the SAML assertion to the SIP message end-to-end. Furthermore, in addition to the protection provided by SIP Identity, the security protection equivalent to SIPS SHOULD be used (i.e., channel security hop-by-hop between the involved signaling entities). This ensures that eavesdroppers located along the signaling path are unable to eavesdrop an assertion in transit. This is mainly a mechanism to ensure privacy of the transmitted information. Since SIP proxies are therefore still able to see the assertion in clear it is necessary to include enough information in the SAML assertion in order to prevent replay attacks. For more information about replay attacks regarding SAML and SIP the reader is referred to Section 9 of [1]. Self-signed certificates should only be used in combination with [5] for protecting a SAML assertion (or a URI reference). SIP Methods such as SUBSCRIBE and NOTIFY (in combination with PUBLISH) are considered a pull-based mechanism, and will be discribed in a future version of this document. 5.1. New Option Tags and a SAML Header Created This document creates and IANA registers two new option tags, "SAML" or "unable-SAML". User agent clients who support this specification will indicate that support by including either of these option-tags in a Supported header. This document also creates and IANA registers a new SAML header. The SAML header, if present, will have one of three header values defined by this document: Jennings, et al. Expires April 26, 2007 [Page 10] Internet-Draft SIP Payment October 2006 o a HTTP URI Reference to a SAML assertion o a Content ID indicating where the SAML assertion or URI reference to a SAML assertion is within the message body o a SAML based option tag A URI reference to a SAML assertion is a pointer to a record on a remote node containing the SAML assertion. If the SAML assertion is contained in a SIP message, a SAML header will be present in the message with a content-ID (cid-url) [6] indicating where in the message body a SAML assertion or a URI reference is for this UA. This is to aid a node in not having to parse the whole message body or body parts looking for this body type. The Unknown-SAML option tag in a SAML header indicates a UA understands the concept of SAML conveyance, but does not have the desired SAML assertion to provide. This can save error messages from being generated looking for an answer the UA does not have to give. It can also allow a processing entity the immediate knowledge it needs to act as if the UA will not learn SAML on its own, and perhaps call on another process to address the needs for that message. The new "SAML" header has the following BNF syntax: SAML = "SAML" HCOLON SAML-value *(COMMA SAML-value) SAML-value = (addr-spec / option-tag / token) addr-spec = cid-url / absoluteURI option-tag = string token = token / quoted-string cid-url = "cid" ":" content-id / absoluteURI = SIP or SIPS-URI content-id = url-addr-spec url-addr-spec = addr-spec ; URL encoding of RFC 822 addr-spec The Content-ID (cid) is defined in [6] to locate message body parts. The absoluteURI is the SIP or SIPS URI of the reference, which points at a SAML of a UA in a record on a remote node. The following table extends the values in Table 2/3 of RFC 3261 [7]. Jennings, et al. Expires April 26, 2007 [Page 11] Internet-Draft SIP Payment October 2006 Header field where proxy INV ACK CAN BYE REG OPT PRA ---------------------------------------------------------------- SAML Rr ar o - - o o o - Header field where proxy SUB NOT UPD MSG REF INF PUB ---------------------------------------------------------------- SAML Rr ar - - o o o o - The SAML header MAY be added, or read if present in a Request message listed above. A proxy MAY add the SAML header in transit if one is not present. [7] states message bodies cannot be added by proxies. A proxy MAY read the SAML header in transit if present. It is RECOMMENDED that only one SAML header be in the same message, but this is not mandatory. Here is an example INVITE that includes the proper SAML and Supported headers (without the SAML message body part): INVITE sip:bob@biloxi.example.com SIP/2.0 Via: SIP/2.0/TCP pc33.atlanta.example.com ;branch=z9hG4bK74bf9 Max-Forwards: 70 To: Bob From: Alice ;tag=9fxced76sl Call-ID: 3848276298220188511@atlanta.example.com SAML: cid:alice123@atlanta.example.com Supported: SAML Accept: application/sdp, application/samlassertion+xml CSeq: 31862 INVITE Contact: Content-Type: multipart/mixed; boundary=boundary1 Content-Length: ... --boundary1 Content-Type: application/sdp ...SDP here --boundary1 Content-Type: application/samlassertion+xml Content-ID: alice123@atlanta.example.com ...SAML assertion in here Jennings, et al. Expires April 26, 2007 [Page 12] Internet-Draft SIP Payment October 2006 --boundary1-- The SAML header from the above INVITE: SAML: cid:alice123@atlanta.example.com indicates the Content-ID SAML [6] within the multipart message body of were the SAML assertion is. If the SAML header were this instead: SAML: https://example.com/assns/?ID=abcde this would indicate that a URI reference to a SAML assertion was included in this message and no SAML body would be required. 5.2. 424 (Bad SAML Information) Response Code In the case that a UAS or SIP intermediary detects an error in a Request message specific to the SAML assertion supplied by-value or by-reference, a new 4XX level error is created here to indicate this is the problem with the request message. This document creates the new error code: 424 (Bad SAML Information) The 424 (Bad SAML Information) Response code is a rejection of the SAML contents, whether by-value or by-reference of the original SIP Request. The server function of the recipient (UAS or intermediary) has deemed this URI reference to a SAML assertion or the SAML assertion to be bad. No further action by the UAC is required. The UAC can use whatever means it knows to verify/refresh its SAML information before attempting a new request. There is no cross- transaction awareness expected by either the UAS or SIP intermediary as a result of this error message. This new error code will be IANA registered in Section 13. 6. SIP Payment Protocol 6.1. UAC Behavior (Customer) The UAC SHOULD indicate that it can accept the application/charge MIME type in SIP requests it sends. Jennings, et al. Expires April 26, 2007 [Page 13] Internet-Draft SIP Payment October 2006 In the case where the UAC receives a 402 response containing an application/charge body, it MUST check that this offer is acceptable to the user of the UAC. This could be done using a policy that was previously entered by the user. If the offer contains a Payment Provider with which the user has an account and the offer is acceptable, then the UAC sends a Request for Payment to the Payment Provider. The UAC needs to look at the available Payment Providers, cost, and currency and select an appropriate one. The UAC MUST copy the PaymentServiceProviderData fields from the offer into the Request for Payment parameters. The UAC must look at the cost elements in the offer to decide how large a payment the user wishes to make and set the amount and currency parameters appropriately. Finally, it needs to fill the CustomerData parameters. It is critical that the UAC check the certificate of the HTTPS TLS connection as specified in RFC 2818 [8] and RFC 2246 [9]. After selecting and constructing the SAML request message it is sent over the HTTPS secured connection. The detailed format of the request is shown in Section 10. The response will be either an error, a SAML assertion or a URI reference. The user needs to be informed if an error is received and the transaction SHOULD NOT be retried unchanged. When a valid response is received, the UAC SHOULD resubmit the SIP request that caused the 402 but this time by including the Receipt (i.e., the URI reference or the SAML assertion). The UAC needs to compute the amount of payment it wishes to make by looking at the cost information provided as part of the Offer. The UAC is also responsible for determining when a new payment has to be made and refreshing the call with additional payments before this happens. For example, the UAC could initially decide to provide enough payment for a 3 minute call. After 2.5 minutes the UAC might decide to pay for an additional 3 minutes. It would do this by issuing a new Payment Request to the Payment Provider for an additional 3 minutes' worth of resources and then sending the new receipt with a SIP Re-INVITE or UPDATE transaction to the UAS. 6.2. UAS Behavior (Merchant) When the UAS receives a request it wishes to charge for, the UAS should check whether the UAC has set the Accept header to include application/charge. If it has, it MAY reject the request with a 402 and attach an application/charge to the response. Note that the application/charge document can be attached on any failure response. For example, this could allow a UAS to combine the offer with a Jennings, et al. Expires April 26, 2007 [Page 14] Internet-Draft SIP Payment October 2006 request for authorization in a 401 response. It needs to include lists of all the Payment Providers that are acceptable to the UAS and include the identity of the Merchant. It also needs to form a list of currencies that are acceptable and what the cost in each one is. The merchant may also specify a minimum cost and/or a maximum cost in the offer. The costs are described in Section 6.3. When the UAS receives a request that contains a Receipt (as a SAML assertion) as defined in [1], the UAS MUST verify that the assertion/ artifact is valid using the following steps. 1. Ensure that the amount of the payment is appropriate and if this receipt matches to a previous Offer to prevent replay attacks. 2. Check that the digital signature of the Receipt is valid. This includes path validation and to check that the certificate of Payment Provider is still valid. 3. Check that the time between the payment and now is acceptably low. This MUST be a configurable parameter and should default to 30 seconds. The UAS SHOULD support NTP RFC 1305 [14]. [Editor's Note: Is this mechanism really needed?] 4. The UAS MUST check that this receipt has not been previous used. The limited time window limits the amount of state the UAS must keep to make this check. If several UASs are using the same merchant-id, this replay detection needs to be done across all the UASs. The OfferData can be used with opaque encrypted data to help do this. If the payment is accepted, it the Merchant's responsibility to end the call after the amount paid becomes inadequate to cover the session. The UAS SHOULD use a mechanism like that specified in SIP session timer [15]. The UAC MAY send a re-INVITE or an UPDATE message with a new receipt for a payment to prolong the session. There are certain cases where the Merchant may wish to offer a refund. This could occur if the Customer has prepaid for a 10 minute session and the call terminates after 1 minute. In this case, the Merchant may wish to provide a refund for the 9 minutes that were not used. Alternatively, the Customer could provide a receipt to place a call but the destination is busy. In this case, the Merchant would likely want to provide a full refund. The refund mechanism is simple and identical to the Payment Request procedure described in Section 6.1. In this case, the Merchant posts a Payment Request to the Payment Provider specified in the Payment Receipt. If the call ends early or can not be completed, it may still be possible that the Customer has provided a receipt of payment where no service has been delivered. This may have occurred due to an Jennings, et al. Expires April 26, 2007 [Page 15] Internet-Draft SIP Payment October 2006 upstream proxy error or a network connectivity problem between the UAC and the UAS. Since the receipt of payment was never delivered to the UAS, there is no immediate mechanism of delivering a refund to the Customer. 6.3. Computing costs There are three types of costs: o initial setup costs, o costs per second, and o cost per unit data. All three costs are added together to form the total cost and are assumed to be zero if not specified. The cost of the first time unit block size worth of time and the first data unit block size of data are considered to be included in the initial connection or setup costs. For example, if a call costs 30 cents to connect and then 12 cents per minute and is billed in 15 second increments (rounded down), the cost would be set so that the currency was USD and the currency divisor (power of 10) was 1000 making the initial cost 300, the cost per unit time is 40, and the time unit size is 15000. If the time is to be rounded up, then some extra to cover the price of the first increment would be added to the connect cost. Note that the additional specification of a currency divisor allows all currency amounts to be specified in fixed point. In the above example, a currency divisor of 1000 means that all currency amounts are in tenths of a cent (USD). 6.4. Transition Scenarios The deployment of the mechanisms described in this document might take place incrementally. This section provides some information about two likely transition scenarios: Merchant Proxy and Customer Proxy. 6.4.1. Merchant Proxy In this scenario, the Customer places a call to a Merchant where the Merchant's UAS does not implement this mechanism. The Merchant's Proxy acts on behalf of the Merchant. The key difference here is that the Merchant's proxy must use SAML URI references instead of SAML assertions and an extra step must be taken by the Proxy to validate the URI reference with the Payment Provider. Note: Many of the normal steps in a SIP call flow have been left out of this example to focus on the pertinent items. Jennings, et al. Expires April 26, 2007 [Page 16] Internet-Draft SIP Payment October 2006 Customer Merchant Proxy Payment Provider Merchant | | | | | INVITE F1 | | | |--------------->| | | | 402+Payment Offer F2 | | |<---------------| | | | | | | | Request for Payment F3 | | |-------------------------------->| | | Receipt (Reference) F4 | | |<--------------------------------| | | | | | | INVITE F5 | | | | + Receipt | | | |----------------> | | | 180 F6 | | | |<---------------| | | | | Reference F7 | | | |--------------->| | | | Assertion F8 | | | |<---------------| | | | INVITE F9 | | |-------------------------------->| | | 200 F10 | | 200 F11 |<--------------------------------| |<---------------| | | F1 INVITE: Customer -> Merchant Proxy The Customer sends a SIP INVITE which arrives at the Merchant's Proxy. F2 402 + Payment Offer: Merchant Proxy -> Customer The Merchant's Proxy, acting on behalf of the Merchant, sends a 402 response with a Payment Offer back to the Customer. The Payment Offer must indicate that the Payment Provider must provide a URI reference rather than a SAML assertion as a Receipt. F3 Request for Payment: Customer -> Payment Provider Based on the contents of the Payment Offer, the Customer makes a Request for Payment to one of the specified Payment Providers. The Request for Payment specifies that the Payment Provider should return a URI reference. F4 Receipt (Artifact): Payment Provider -> Customer Jennings, et al. Expires April 26, 2007 [Page 17] Internet-Draft SIP Payment October 2006 The Payment Provider transfers the appropriate funds to the Merchant's account and returns a URI reference to the Customer. F5 Invite + Receipt: Customer -> Merchant Proxy The Customer inserts a new header containing the URI reference into the INVITE request. F6 180: Merchant Proxy -> Customer The Merchant Proxy immediately sends a 180 response to the Customer indicating that the Receipt is being validated with the Payment Provider. F7 URI Reference: Merchant Proxy -> Payment Provider The Merchant Proxy, acting on behalf of the Merchant, requests the SAML assertion from the Payment Provider by providing the URI reference. F8 Assertion: Payment Provider -> Merchant Proxy The SAML assertion is returned to the Merchant Proxy. F9 INVITE: Merchant Proxy -> Merchant Since the SAML assertion was valid, and was not used before by this Merchant, the Merchant Proxy forwards the INVITE request to the Merchant. 6.4.2. Customer Proxy In this example, the Customer endpoint does not implement this payment mechanism so the Customer's Edge Proxy acts on behalf of the Customer. Note that the Merchant's Proxy has been left out of the example. Jennings, et al. Expires April 26, 2007 [Page 18] Internet-Draft SIP Payment October 2006 Customer Customer Proxy Payment Provider Merchant | | | | | INVITE F1 | | | |--------------->| | | | 100 F2 | | | |<---------------| INVITE F3 | | |------------------------------------->| | | 402+Payment Offer F4 | | |<-------------------------------------| | | | | | | Request Payment F5 | | | |-------------------->| | | |Receipt(Reference)F6 | | | |<--------------------| | | | | | | | INVITE+Receipt F7 | | |------------------------------------->| | | | 180 F8 | | |<-------------------------------------| | 180 F9 | | | |<---------------| | | | | | Reference F10 | | | |<---------------| | | | Assertion F11 | | | |--------------->| | | | | | | |200 F12 | | |<-------------------------------------| | 200 F13 | | | |<---------------| | | F1 INVITE: Customer -> Customer Proxy The Customer sends an INVITE to the Customer's Edge Proxy (in the same administrative domain as the Customer). F2 100: Customer Proxy -> Customer The Customer's Proxy sends a 100 response to the Customer in order to quench retransmissions. F3 INVITE: Customer Proxy -> Merchant The Customer's Proxy forwards the request to the Merchant. In most cases, the Merchant will also have a Proxy but this has not been indicated in this example. Jennings, et al. Expires April 26, 2007 [Page 19] Internet-Draft SIP Payment October 2006 F4 402 + Payment Offer: Merchant -> Customer Proxy The Merchant sends back a 402 response with a Payment Offer to the Customer's Proxy. F5 Request Payment: Customer Proxy -> Payment Provider The Customer Proxy, acting on behalf of the Customer, makes a Request for Payment to the selected Payment Provider specifying that a URI reference is to be returned. It is assumed that the Customer's Proxy would have the payment credentials and Payment Provider preferences for the Customer. F6 Receipt (URI Reference): Payment Provider -> Customer Proxy The Receipt is returned as a URI reference. F7 INVITE + Receipt: Customer Proxy -> Merchant The Customer Proxy now inserts the URI reference as a SIP header in the INVITE request to be sent to the Merchant. F10 Artifact: Merchant -> Payment Provider The Merchant pulls the URI reference from the INVITE and sends a request to the specified Payment Provider to return the SAML assertion. F11 Assertion: Payment Provider -> Merchant When the SAML assertion is verified, the Merchant completes the call and sends a 200 OK response. 6.5. Payment Provider Behavior The primary function of the Payment Provider is to receive Requests for Payments over HTTPS, to transfer the currency from one account to another one, and to return a Receipt over HTTPS. A Payment Provider MUST support TLS to offer channel security (with integrity, replay and confidentiality protection). When a Payment Provider receives a Request for Payment, it performs the following steps: 1. Verify that the customer-id corresponds to a valid account and that the presented credentials are correct for the given account. If either the account is invalid or the authentication of the account holder was not succesfull then an error message MUST be Jennings, et al. Expires April 26, 2007 [Page 20] Internet-Draft SIP Payment October 2006 returned. The procedure for responding with error responses is described in the respective SAML specifications and the Payment Provider MUST respect the SAML specific message processing handling. 2. it MUST validate that the currency is acceptable by the Merchant 3. it MUST ensure that the Customer has sufficient funds, and 4. it MUST verify that the account identifier of the Merchant corresponds to a valid account. 5. it MUST create a Receipt as a SAML assertion (or a URI reference) by setting the corresponding fields in the assertion. 6. it MUST set the Date to the current time. 7. it MUST digitally sign the assertion. 8. it MUST transfer the money from the customer's account to the merchant's account. 9. it MUST return either the assertion or the Artifact back to the payment requesting entity (depending on the request). 6.6. Merchant Fetching Public Key The Merchant needs to be able to fetch the Payment Provider's public key. This MAY be done by an HTTPS request to a URI provided by the Payment Service Provider. The Merchant MAY use some standard online certificate revocation mechanism to protect against the private key being compromised. Note that the Payment Provider may wish to use signing certificates that are only valid for a short period of time. The duration should be determined by the Payment Provider based on the amount of money at risk. 7. SIP Extensions 7.1. Update response code 402 This document updates the 402 response code in RFC 3261 [7] to mean that "A Payment is Required". Other mechanisms are used to indicate what type of payment is required. In this specification, a particular MIME body type indicates the type of payment required. A single 402 may indicate that more than one type of payment is required. Both proxies and UASs can issue a 402 response code. 8. Syntax 8.1. Payment Offer The Payment Offer contains a list of costs and a list of Payment Providers. The Customer can choose to pay any one of the provided costs and can choose any one of the Payment Providers to use, as long Jennings, et al. Expires April 26, 2007 [Page 21] Internet-Draft SIP Payment October 2006 as the Payment Provider supports the currency for the chosen cost. A Merchant can also specify a currency namespace with a particular cost. This allows the Merchant to create non-standard currencies, e.g., airline mileage/points. A cost can also specify an optional minimum and/or maximum cost. The currency is specified as 3 uppercase letters using the ISO currency code from ISO.4217. All cost attributes (initialCost, costPerUnitTime, costPerUnitData, minCost, maxCost) are specified in currency units where the actual cost is to be divided by currencyDivisor. All amounts are base 10 integers with no leading zeros and zero is not a valid entry. The timeUnitSize is in milliseconds. The dataUnitSize is in octets. merchantBits and pspBits are base 64 encoded data Each PaymentServiceProvider provided in a Payment Offer has a serviceUrl attribute which is where the PaymentRequest will be sent to. There is also an optional url attribute which is a general HTTP URL that can provide information about the specific Payment Provider. A simple example is provided with a single charge for a single Payment Provider where the initial cost is $0.25 and the charge is 0.06/minute charged in 6 second increments. Jennings, et al. Expires April 26, 2007 [Page 22] Internet-Draft SIP Payment October 2006 Figure 11: Payment Offer Example The XML schema of the PaymentOffer corresponding to the instance document shown in Figure 11 can be found in Section 10.1. 8.2. Request for Payment In order to make the generation of the Request for Payment as simple as possible for both the Customer and the Payment Provider, the RequestForPayment is constructed as a SAML Request. The Request for Payment consists of four components: o The OfferData is copied from the Payment Offer from the Merchant. o The PaymentServiceProviderData is selected from the possible Payment Providers by the Customer. Jennings, et al. Expires April 26, 2007 [Page 23] Internet-Draft SIP Payment October 2006 o The amount that needs to be payed. o Additionally, the Customer might provide authentication credentials as part of the SAML request. Note that it is up to the Customer to select a currency. The OfferData consists of the following fields from the Payment Request: offerExpiry and merchantBits. The PaymentServiceProviderData is copied from the chosen Payment Provider/Cost in the Payment Request consisting of the following fields: merchantId, serviceUrl, pspBits, currencyNamespace, currencyDivisor, and currency. The CustomerData is provided by the Customer and consists of the following fields: customerId, customerAuth, customerBillingCode and an amount. The customerBillingCode is optional and could be stored by the PaymentServiceProvider and included in the transaction history for the convenience of the Customer. The amount divided by currencyDivisor indicates the amount of funds being requested to be transferred from the Customer to the Merchant in currency units. The customerId is a token identifying the Customer's account with the Payment Provider and the customerAuth is the authentication credentials. The SAML Request MUST be TLS protected. Authentication of the client MUST be provided, either as part of the TLS handshake or using SAML specific mechanisms. The XML schema of the Payment Request is shown in Section 10. Below is an example 'Payment Request' based on the previous 'Offer' example with a payment of $0.30. The following XML instance document shows a AuthnRequest that was extended to carry the parameters for a payment request. Jennings, et al. Expires April 26, 2007 [Page 24] Internet-Draft SIP Payment October 2006 2005-02-01T13:40:26.52Z MDE1Mw== 15 https://psp.example.com/paymentService 1000 USD joe 300 joe@example.com Figure 12: Request for Payment Example The XML schema of the PaymentRequest corresponding to the instance document shown in Figure 12 can be found in Section 10.2. 8.3. Payment Receipt A SAML assertion or a reference to a SAML assertion is returned, as a Receipt, in response to the Request for Payment. The SAML assertion or the URI reference to a SAML assertion is included in the SIP Jennings, et al. Expires April 26, 2007 [Page 25] Internet-Draft SIP Payment October 2006 message in the reINVITE from the UAC. The following example receipt is returned from the Payment Provider and corresponds to a Receipt for a payment of $0.30. Success www.payment-provider.com joe@example.com urn:oasis:names:tc:SAML:2.0:ac:classes:PasswordProtectedTransport Figure 13: Payment Receipt Example The XML schema of the PaymentReceipt corresponding to the instance document shown in Figure 13 can be found in Section 10.3. 8.4. Refunds Refunds share the same syntax as a Request for Payment. The refund fields populated from the Receipt are: offerId, offerExpiry, merchantBits, merchantId, serviceUrl, pspBits, currencyNamespace, currencyDivisor, and currency. The customerId and customerAuth refer to the Merchant's account information referenced by the serviceUrl. The amount to refund is determined by the Merchant at the time of the refund. Editor's Note: Add an example here. 8.5. Verifying the Receipt The Merchant MUST verify the signature in the Receipt by applying the following steps: 1. Check ReceiptData.Date. If too old, reject. 2. Check whether receipt-id has been accepted in a previous payment since the TTL used by the UAS. If so, reject. 3. Check whether Offer comes from this UAS. If not, reject. 4. Perform RSA signature verification. UAS chooses the public key based on PaymentServiceProvider-id. Jennings, et al. Expires April 26, 2007 [Page 27] Internet-Draft SIP Payment October 2006 9. Usage Scenarios for SIP Payment This section shows the applicability of SIP payment for two example scenarios. 9.1. SPAM Payment at risk has been suggested as part of a possible solution to SPAM in VoIP systems [16]. The idea is that A would call B. If A was not on B's white list, B could ask A to pay 5 cents for the privilege of ringing B's phone. A could pay, and if B wished, B could refund the 5 cents by simply doing a second payment from B to A. The payment service provider would collect two transaction fees in this scenario. Another possible scenario is that B simply requests that A donate 5 cents to one of B's favorite charities and show B the receipt for this transaction. 9.2. Micro Billing In this scenario, a merchant running a PSTN GW may charge a customer 5 cents to connect and operate for the first 90 seconds and then may charge 5 more cents for each additional minute. The customer would initially transfer 5 cents and then, before the 90 seconds ran out, would transfer another 5 cents and keep on doing this until the call ended. 10. XML Schemas This section defines the XML schema for the protocol introduced in this document. 10.1. PaymentOffer XML Schema This section shows the XML schema for the PaymentOffer that the Merchant sends to the Customer. Jennings, et al. Expires April 26, 2007 [Page 28] Internet-Draft SIP Payment October 2006 Jennings, et al. Expires April 26, 2007 [Page 30] Internet-Draft SIP Payment October 2006 PaymentOffer XML Schema 10.2. Payment Request This section shows the XML schema for the PaymentRequest that is used inside the SAML AuthnRequest request message. Jennings, et al. Expires April 26, 2007 [Page 31] Internet-Draft SIP Payment October 2006 Payment Request XML Schema Jennings, et al. Expires April 26, 2007 [Page 32] Internet-Draft SIP Payment October 2006 10.3. Payment Receipt This section defines the XML schema for the Payment Receipt that is used in the SAML Response message returned after a successful processing of the SAML AuthnRequest. Document identifier: payment-receipt-schema Location: http://www.tschofenig.com/svn/draft-jennings-sipping-pay/Schema/ Revision history: V1.0 (June, 2006): Custom schema for SIP Payment attribute profile. Jennings, et al. Expires April 26, 2007 [Page 33] Internet-Draft SIP Payment October 2006 Payment Receipt XML Schema 11. HTTP Binding This section defines an HTTP [10] binding for the protocol between the Customer and the Payment Provider, which all conforming implementations MUST support. The three request messages are carried in this binding as the body of an HTTP POST request. The MIME type of both request and response bodies should be "application/xml", except that a SAML assertion SHOULD have the MIME type "application/samlassertion+xml". The Payment Provider SHOULD populate the HTTP headers so that they are consistent with the contents of the message. In particular, the "Expires" and cache control headers SHOULD be used to control the caching of any SAML assertion. The HTTP status code SHOULD have the same first digit as any "contextResponse" or "error" body included, and it SHOULD indicate a 2xx series response when a SAML assertion is included. This binding also includes a default behaviour, which is triggered by a GET request, or a POST with no request body. In this case, the Payment Provider MUST attempt to provide a SAML assertion. This binding MUST use TLS as described in [8]. TLS provides message integrity and confidentiality between the Customer and the Payment Provider. The Payment Provider MUST use server-side authentication. Client authentication can either be provided as part of the TLS handshake or using HTTP specific mechanisms. 12. Security Considerations The security properties of the proposed protocol depends on the security of the communication between the three parties. The following threats and countermeasures have been considered: Jennings, et al. Expires April 26, 2007 [Page 34] Internet-Draft SIP Payment October 2006 12.1. Stolen Assertion Threat: An adversary can eavesdrop on the communication between the Customer and the Payment Provider and between the Customer and the Merchant and thereby learn the SAML assertion (Receipt). The adversary could use this assertion to request a service from the Merchant on behalf of the legitimate Customer. Countermeasures: Two countermeasures are provided to deal with this treat. The communication between the Customer and the Payment Provider must be confidentiality, integrity and replay protected. The communication between the Customer and the Merchant SHOULD experience hop-by-hop protection (e.g., TLS in a hop-by-hop fashion between the Customer, SIP proxies and the Merchant) and end-to-end security using the SIP Identity mechanism. Furthermore, the content of the requested SAML assertion contains statements that prevent reusage of the SAML assertion in other contexts. The Offer, for example, provides a merchantBits value that allows the Merchant to match the Offer to the Receipt. The identities of the Customer and the Merchant are included in the Receipt and the lifetime might be limited. 12.2. MitM Attack Threat: Since the SAML assertion is carried within a SIP message sent by the Customer towards the Merchant an intermedidate SIP proxy could use the assertion in order to impersonate the user towards the Merchant in future protocol sessions. Countermeasures: This document does not assume that the assertion is bound to a symmetric or an asymmetric key although SAML provides this capability using the holder-of-the-key concept. If there is no such holder-of-the-key concept utlized with the assertion then only the content of the assertion can be used to prevent replay attacks and man-in-the-middle attacks. Similarly to the threat described in Section 12.1 the content of the assertion limits its usage to particular endpoints, potentially for a particular duration, for a particular service and for certain amount of time. Jennings, et al. Expires April 26, 2007 [Page 35] Internet-Draft SIP Payment October 2006 12.3. Forged Assertion Threat: A malicious Customer or a malicious intermediate SIP proxy could forge or alter a SAML assertion in order to communicate with the Merchant to lead to unexpected behavior or even to refunding to a preselected account. Countermeasures: To avoid this kind of attack, the Payment Provider must assure that proper mechanisms for protecting the SAML assertion is provided. It is RECOMMENDED to protect the assertion using a digital signature. 12.4. Replay Attack Threat: An adversary might eavesdrop an assertion in order to later replay it to gain access to resources (e.g., to access a SIP service). Countermeasures: When the Customer transmits a SIP message that requires payment then the Merchant creates an Offer that contains a merchantBits value. The Offer will be used by the Customer to obtain an assertion by the Payment Provider and will again be presented to the Merchant. The Merchant is therefore able to determine whether the merchantBits is still valid and that it can be associated with an Offer. The Offer is only valid for a certain time. Timestamp information carried inside the assertion might also indicate a validity timeframe. 13. IANA Considerations 13.1. Payment-Receipt Header Add the following entry to the header sub-registry. Header Name compact Reference ----------------- ------- --------- Payment-Receipt [RFCXXXX] Jennings, et al. Expires April 26, 2007 [Page 36] Internet-Draft SIP Payment October 2006 13.2. 402 Response Add the following entry to the response code sub-registry under the "Request Failure 4xx" heading. 402 Payment Required [RFCXXXX] 13.3. charge+xml To: ietf-types@iana.org Subject: Registration of MIME media type application/charge+xml MIME media type name: application MIME subtype name: charge+xml Required parameters: None Optional parameters: charset Same as charset parameter of application/xml [RFC3023] Encoding considerations: Same as for application/xml [RFC3023] Security considerations: TBD Interoperability considerations: TBD Published specification: None Applications which use this media type: Any MIME-compliant transport Additional information: Magic number(s): None File extension(s): None Macintosh File Type Code(s): None Person & email address to contact for further information: Hannes Tschofenig Hannes.Tschofenig@siemens.com; Intended usage: COMMON Author/Change controller: the IESG Jennings, et al. Expires April 26, 2007 [Page 37] Internet-Draft SIP Payment October 2006 13.4. IANA Registration for the SIP SAML Header The SAML header is created by this document, with its definition and rules in Section 5 of this document. 13.5. IANA Registration for Two New SIP Option Tags Two new SIP option tags are created by this document, "SAML" and "Unknown-SAML", with the definitions and rules for each in Section 5 of this document. 13.6. IANA Registration for Response Code 4XX Reference: RFC-XXXX (i.e., this document) Response code: 424 Default reason phrase: Bad SAML Information The 'application/samlassertion+xml' URN sub-namespace and Content- type is already registered by IANA (see [11]). 14. Acknowledgments The authors would like to thank James Polk and Brian Rosen for their work with SIP Location Conveyance. Text from their draft was reused in this document due to the perceived similarity of the mechanisms. 15. References 15.1. Normative References [1] Tschofenig, H., "SIP SAML Profile and Binding", draft-ietf-sip-saml-00 (work in progress), June 2006. [2] Bradner, S., "Key words for use in RFCs to Indicate Requirement Levels", BCP 14, RFC 2119, March 1997. [3] Madsen, P. and E. Maler, "SAML V2.0 Executive Overview", OASIS SSTC Committee Draft sstc-saml-exec-overview-2.0-cd-01, April 2005. [4] Peterson, J. and C. Jennings, "Enhancements for Authenticated Identity Management in the Session Initiation Protocol (SIP)", RFC 4474, August 2006. [5] Jennings, C., "Certificate Management Service for The Session Jennings, et al. Expires April 26, 2007 [Page 38] Internet-Draft SIP Payment October 2006 Initiation Protocol (SIP)", draft-ietf-sip-certs-01 (work in progress), June 2006. [6] Levinson, E., "Content-ID and Message-ID Uniform Resource Locators", RFC 2392, August 1998. [7] Rosenberg, J., Schulzrinne, H., Camarillo, G., Johnston, A., Peterson, J., Sparks, R., Handley, M., and E. Schooler, "SIP: Session Initiation Protocol", RFC 3261, June 2002. [8] Rescorla, E., "HTTP Over TLS", RFC 2818, May 2000. [9] Dierks, T. and C. Allen, "The TLS Protocol Version 1.0", RFC 2246, January 1999. [10] Fielding, R., Gettys, J., Mogul, J., Frystyk, H., Masinter, L., Leach, P., and T. Berners-Lee, "Hypertext Transfer Protocol -- HTTP/1.1", RFC 2616, June 1999. [11] OASIS Security Services Technical Committee (SSTC), "application/samlassertion+xml MIME Media Type Registration", IANA MIME Media Types Registry application/samlassertion+xml, December 2004. [12] International Organization for Standardization, "Codes for the representation of currencies and funds", ISO Standard 4217, 2001. 15.2. Informational References [13] Burdett, D., "Internet Open Trading Protocol - IOTP Version 1.0", RFC 2801, April 2000. [14] Mills, D., "Network Time Protocol (Version 3) Specification, Implementation", RFC 1305, March 1992. [15] Donovan, S. and J. Rosenberg, "Session Timers in the Session Initiation Protocol (SIP)", draft-ietf-sip-session-timer-15 (work in progress), August 2004. [16] Rosenberg, J., "The Session Initiation Protocol (SIP) and Spam", draft-ietf-sipping-spam-02 (work in progress), March 2006. [17] Klyne, G. and C. Newman, "Date and Time on the Internet: Timestamps", RFC 3339, July 2002. Jennings, et al. Expires April 26, 2007 [Page 39] Internet-Draft SIP Payment October 2006 Authors' Addresses Cullen Jennings Cisco Systems 170 West Tasman Drive MS: SJC-21/2 San Jose, CA 95134 USA Phone: +1 408 902-3341 Email: fluffy@cisco.com Jason Fischl CounterPath Solutions, Inc. 8th Floor, 100 West Pender Street Vancouver, BC V6B 1R8 Canada Phone: +1 604 320-3340 Email: jason@counterpath.com Hannes Tschofenig Siemens Networks GmbH & Co KG Otto-Hahn-Ring 6 Munich, Bavaria 81739 Germany Email: Hannes.Tschofenig@siemens.com URI: http://www.tschofenig.com Gyuchang Jun Bitpass, Inc. 3300 Hillview Avenue, Suite 165 Palo Alto, CA 94304 USA Phone: 650 354-1882 Jennings, et al. Expires April 26, 2007 [Page 40] Internet-Draft SIP Payment October 2006 Full Copyright Statement Copyright (C) The Internet Society (2006). 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 INFORMATION HEREIN WILL NOT INFRINGE ANY RIGHTS OR ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. Intellectual Property The IETF takes no position regarding the validity or scope of any Intellectual Property Rights or other rights that might be claimed to pertain to the implementation or use of the technology described in this document or the extent to which any license under such rights might or might not be available; nor does it represent that it has made any independent effort to identify any such rights. Information on the procedures with respect to rights in RFC documents can be found in BCP 78 and BCP 79. Copies of IPR disclosures made to the IETF Secretariat and any assurances of licenses to be made available, or the result of an attempt made to obtain a general license or permission for the use of such proprietary rights by implementers or users of this specification can be obtained from the IETF on-line IPR repository at http://www.ietf.org/ipr. The IETF invites any interested party to bring to its attention any copyrights, patents or patent applications, or other proprietary rights that may cover technology that may be required to implement this standard. Please address the information to the IETF at ietf-ipr@ietf.org. Acknowledgment Funding for the RFC Editor function is provided by the IETF Administrative Support Activity (IASA). Jennings, et al. Expires April 26, 2007 [Page 41]