ISO/TS TECHNICAL SPECIFICATION 12812-4 First edition 2017-03 Core banking Mobile financial services Part 4: Mobile payments-to-persons Opérations bancaires de base - Services financiers mobiles - Partie 4: Paiements mobiles a personnes Reference number ISO/TS12812-4:2017(E) International Organization for Standardization @ IS0 2017 ZHEJIANG INSTOFSTANDARDIZATION C15956617 vided by IHS under lic ed without license from IHS IS0/TS 12812-4:2017(E) COPYRIGHTPROTECTEDDOCUMENT IS02017,PublishedinSwitzerland All rights reserved. Unless otherwise specified, no part of this publication may be reproduced or utilized otherwise in any form or by any means, electronic or mechanical, including photocopying, or posting on the internet or an intranet, without prior written permission. Permission can be requested from either ISO at the address below or ISO's member body in the country of the requester. ISOcopyrightoffice Ch. de Blandonnet 8 . CP 401 CH-1214 Vernier, Geneva, Switzerland Tel. +41 22 749 01 11 Fax+412274909 47 [email protected] www.iso.org Intenationai br PrganizationforStandardization icensee-ZHEJIANG INST OF STANDARDIZRoISQ s1.7 - All rights reserved I by IHS unde Not for Resale, 2017/5/16 00:51:41 etworking permitted without license from IHS IS0/TS 12812-4:2017(E) Contents Page Foreword ..V Introduction. ...vi 1 Scope. 2 Normative references 3 Terms and definitions 4 Abbreviated terms 3 5 Specific characteristics for mobile payments-to-persons .3 5.1 General .3 5.2 Mobile payments-to-persons concepts. 5.3 User expectations .4 5.4 Stakeholders involved in a mobile payments-to-persons program 5.4.1 Mobile financial service provider. ..4 5.4.2 Mobile network operator. 5.4.3 Agent 4 5.4.4 Electronic money serviceprovider. .4 6 Requirements for mobile payments-to-persons 6.1 General. .5 6.2 Device, network, and application selection requirements. ..5 6.2.1 General. .5 6.2.2 Requirements .5 6.3 Logging requirements 6.3.1 General. ..6 6.3.2 Requirements 6.4 Notice requirements .6 6.4.1 General. 6.4.2 Requirements .6 6.5 Authentication and authorization requirements 6.5.1 General .7 6.5.2 Requirements ..7 7 Scenarios for interoperability .7 7.1 General .7 7.2 Scenario for interoperability 1 .7 7.2.1 General. .7 7.2.2 Three-corner model .8 7.2.3 Four-corner model. 7.3 Scenario for interoperability 2 (cross-system payment) ..8 7.4 Interoperability models for payment facilitation. 7.4.1 General. 9 7.4.2 Direct interoperability model 7.4.3 Commoninfrastructure ..10 8 Implementation models ..11 8.1 General .11 8.2 High-level architecture and network technologies ..11 8.2.1 Layer 1: Infrastructure used to convey payment initiation and authorization messages. .11 8.2.2 Layer 2: Common infrastructure used for payment facilitation ..12 8.2.3 Layer 3: Value transfers and funds movement. ..12 8.3 Classification of mobile payments-to-persons ..12 8.3.1 General. ..12 8.3.2 Mobile credit transfer payment .13 8.3.3 Mobile card payment. ..13 iii ISee=ZHEJIANG INST OF STANDARDIZATION C1 5956617 vithoutlicense from IHS Not for Resale, 2017/5/16 00:51:41