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[taler-docs] branch master updated: fees fees fees
From: |
gnunet |
Subject: |
[taler-docs] branch master updated: fees fees fees |
Date: |
Tue, 07 Dec 2021 13:30:47 +0100 |
This is an automated email from the git hooks/post-receive script.
grothoff pushed a commit to branch master
in repository docs.
The following commit(s) were added to refs/heads/master by this push:
new 6ab70ce fees fees fees
6ab70ce is described below
commit 6ab70cee59b805bc897cd6de1962e17445294a44
Author: Christian Grothoff <christian@grothoff.org>
AuthorDate: Tue Dec 7 13:30:33 2021 +0100
fees fees fees
---
design-documents/026-refund-fees.rst | 61 ++++++++++++++++++++++++++++++++++++
1 file changed, 61 insertions(+)
diff --git a/design-documents/026-refund-fees.rst
b/design-documents/026-refund-fees.rst
new file mode 100644
index 0000000..f65da4a
--- /dev/null
+++ b/design-documents/026-refund-fees.rst
@@ -0,0 +1,61 @@
+Refunds and Fees
+################
+
+Summary
+=======
+
+This document discusses what should happen with deposit fees when a
+deposit is refunded.
+
+
+Motivation
+==========
+
+When a user receives a refund, we have to decide what happens to the deposit
+fee that was originally paid on the associated deposit. Originally, we said
+that the deposit fee is waived when any refund happens. However, if the
+refund fee is zero and the deposit fee is non-zero, this results in a
+problematic scenario where merchants issue miniscule refunds that primarily
+enable customers to effectively obtain the deposit fee.
+
+
+Requirements
+============
+
+ * If the refund and refresh fees are zero, it should be possible for
+ consumers to get 100% of their digital cash back on refunds.
+ * This should not result in a problematic situation where merchants
+ conspire with consumers and issue miniscule refunds to allow consumers
+ to work around deposit fees.
+
+Proposed Solution
+=================
+
+ * Only waive the deposit fee for full refunds where for the
+ specific coin (!) the refunded amount is the total value of the
+ refunded deposit.
+
+Alternatives
+============
+
+ * Only waive the deposit fee for full refunds where for the
+ specific coin the refunded amount is the total value of the
+ denomination of the coin. This may slightly simplify the
+ logic, but has the problem that it does not enable 100%
+ refunds if the original payment already required a refresh
+ because the coin's value exceeded the paid amount.
+ * Waive the deposit fee on any (including partial) refund.
+ This creates a bad incentive structure if combined refresh
+ and refund fees are below deposit fees.
+
+Drawbacks
+=========
+
+ * We need to update and test an already complex fee calculation
+ logic.
+
+
+Discussion / Q&A
+================
+
+(This should be filled in with results from discussions on mailing lists /
personal communication.)
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