May be you want to look at
1. Payment works wallet architecture from Brokat AG
2. MIGS on QSI architecture - three party payment model
3. JECF - I am not sure if this is still active
MIGS - Mastercard Internet Gateway Service.
JECF - Java E-Commerce Framework - also has a wallet architecture
Using XML does not have any connection to the problem you are addressing, you
can infact use any format you want. You might also want to look at basics of
security protocols.. to understand the term arbitrator.
"Gribble, Jo" wrote:
> I am currently investigating options for our company about pre populating
> credit card details for on-line purchasing. Our web site links into other
> companies sites which sell on-line. We don't want to become a merchant
> retailer but allow the visitors to the site to enter in their credit card
> details on our site and transfer the details to the other site (making the
> visit to the site easy and seemless to the user).
> Does anyone know if this can be done using XML? I have read about using
> SSL as well when collecting this type of information on-line, will this
> also be required with the XML transfer of data?