ISO/TS TECHNICAL SPECIFICATION 12812-5 First edition 2017-03 Core banking Mobile financial services Part 5: Mobile payments to businesses Opérations bancaires de base - Services financiers mobiles - Partie 5: Paiements mobiles a entreprises Reference number ISO/TS12812-5:2017(E) os1 International Organization for Standardization @ IS0 2017 HEJIANG INST OF STANDARDIZATION C1 5956617 vided by IHS underI Not for Resale, 2017/5/16 00:51:55 IS0/TS 12812-5:2017(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. ISO copyrightoffice Ch. de Blandonnet 8 . CP 401 CH-1214 Vernier, Geneva, Switzerland Tel. +41 22 749 01 11 Fax +41 22 749 09 47 [email protected] www.iso.org Intenationaibr PrganizationforStandardization icensee-ZHEJIANG INST OF STANDARDIZRoISQ s1.7 - All rights reserved Not for Resale, 2017/5/16 00:51:55 etworking permitted without license from IHS IS0/TS 12812-5:2017(E) Contents Page Foreword ..iv Introduction. ..V 1 Scope 2 Normative references 3 Terms and definitions 4 Requirements of a mobile payments-to-businesses system ..2 4.1 Device, network and application selection requirements .2 Security requirements .3 4.2 4.3 Logging requirements. .3 4.4 Notice requirements. ..4 4.5 Receipt requirements. 4 4.6 Data privacy requirements .4 5 Types of mobile payments ..5 5.1 Mobile proximate payments. .5 5.2 Mobile remote payments .6 5.3 Other mobile payments technologies. .6 5.3.1 Quick response (QR) based payments .. 6 5.3.2 Mobile payments through short messaging service (SMS) ..6 5.3.3 Mobile payments through mobile airtime. ..6 5.3.4 Mobile wallet. 1 6 Payment instruments 6.1 Direct debit ..8 6.2 Credit transfer 6.3 Payment card ..8 6.4 Other payment instruments ..8 6.4.1 Mobile bill account .9 6.4.2 Stored value account (SVA) .9 7 Use cases ..9 7.1 Proximate card payments use cases .9 7.1.1 User verification method .9 7.1.2 Single tap: Analysis of UVMs ..10 7.1.3 Double tap: Analysis of UVMs .14 7.1.4 Mobile contactless payment transaction .16 7.1.5 Risk management in mobile proximate payments (MPPs) 26 7.1.6 Additional features.. 31 7.1.7 Interoperability and MPP service availability 32 7.2 Remote payments use cases. 33 7.2.1 Mobile remote card payments .33 7.2.2 Mobile remote credit transfer. .39 7.2.3 Mobile remote transactions using remote secured server ..47 7.2.4 Interoperability model based on a centralized common infrastructure .49 7.2.5 Mobile remote payments using other payment instruments. 50 7.2.6 Risk management in mobile remote payments (MRPs) .51 8 Requirements in the consumer environment .51 8.1 General 51 8.2 Requirements in the consumer environment .52 AnnexA(informative)Hostcardemulation .53 Annex B (informative) Procedures for redress and dispute resolution ..54 Bibliography. ..55 iii ISee=ZHEJIANG INST OF STANDARDIZATION C1 5956617 vided by IHS under license with ISC ted without license from IHS