{"id":346899,"date":"2024-10-20T00:23:25","date_gmt":"2024-10-20T00:23:25","guid":{"rendered":"https:\/\/pdfstandards.shop\/product\/uncategorized\/bsi-pd-iso-ts-12812-42017\/"},"modified":"2024-10-25T23:51:43","modified_gmt":"2024-10-25T23:51:43","slug":"bsi-pd-iso-ts-12812-42017","status":"publish","type":"product","link":"https:\/\/pdfstandards.shop\/product\/publishers\/bsi\/bsi-pd-iso-ts-12812-42017\/","title":{"rendered":"BSI PD ISO\/TS 12812-4:2017"},"content":{"rendered":"<p>This document provides comprehensive requirements and recommendations, as well as specific use cases for implementation of interoperable mobile payments-to-persons.<\/p>\n<p>The emphasis is placed on the principles governing the operational functioning of mobile payments-to-persons systems and processes, as well as the presentation of the underlying technical, organizational, business, legal and policy issues, leveraging legacy infrastructures of existing payment instruments (see ISO&nbsp;12812\u20111:2017, Annex C).<\/p>\n<p>This document includes the following items:<\/p>\n<ol style=\"list-style-type:lower-alpha\">\n<li>\n<p>requirements applicable to mobile payments-to-persons;<\/p>\n<\/li>\n<li>\n<p>recommendations regarding mechanisms involved in the operation of interoperable mobile payments-to-persons;<\/p>\n<\/li>\n<li>\n<p>a description of the different use cases for mobile payments-to-persons;<\/p>\n<\/li>\n<li>\n<p>a generic interoperability model for the provision of different mobile payments-to-persons;<\/p>\n<\/li>\n<li>\n<p>recommendations for the technical implementation of the generic architectures for the mobile payments-to-persons program;<\/p>\n<\/li>\n<li>\n<p>recommendations for mobile remittances;<\/p>\n<\/li>\n<li>\n<p>use cases with the corresponding transaction flows;<\/p>\n<\/li>\n<li>\n<p>discussion of the financial inclusion of unbanked and underbanked persons (Annex A);<\/p>\n<\/li>\n<li>\n<p>some legal aspects to consider for mobile payments-to-persons (Annex B).<\/p>\n<\/li>\n<\/ol>\n<p>The document is structured as follows:<\/p>\n<ul>\n<li>\n<p>Clause 6 sets forth the requirements that a mobile payments-to-persons program must comply with.<\/p>\n<\/li>\n<li>\n<p>Clauses 7, 8 and 9 provide the different levels of implementation for the interoperability of mobile payments-to-persons.<\/p>\n<\/li>\n<li>\n<p>Clause 7 describes the interoperability principles for mobiles payments-to-persons.<\/p>\n<\/li>\n<li>\n<p>Clause 8 describes:<\/p>\n<ol style=\"list-style-type:decimal\">\n<li>\n<p>a three-layer high-level architecture for mobile payments-to-persons programs;<\/p>\n<\/li>\n<li>\n<p>payments instruments sustained by these programs;<\/p>\n<\/li>\n<li>\n<p>processing details for a series of significant use cases of mobile payments-to-persons using these payment instruments.<\/p>\n<\/li>\n<\/ol>\n<\/li>\n<li>\n<p>Clause 9 provides a step-by-step data flow description for different mobile payments-to-persons implementations: bank-centric, non-bank centric and card-centric. They can be mapped into the processing use cases of Clause 8, where abstraction is made in the nature of the payment service providers.<\/p>\n<\/li>\n<\/ul>\n<h4>PDF Catalog<\/h4>\n<table border=\"1px\" class=\"des-table\">\n<tr>\n<th>PDF Pages<\/th>\n<th>PDF Title<\/th>\n<\/tr>\n<tr>\n<td><b>6<b><\/td>\n<td>Foreword  <\/td>\n<\/tr>\n<tr>\n<td><b>7<b><\/td>\n<td>Introduction  <\/td>\n<\/tr>\n<tr>\n<td><b>10<b><\/td>\n<td>1 Scope  <\/td>\n<\/tr>\n<tr>\n<td><b>11<b><\/td>\n<td>2 Normative references <br \/> 3 Terms and definitions  <\/td>\n<\/tr>\n<tr>\n<td><b>12<b><\/td>\n<td>4 Abbreviated terms <br \/> 5 Specific characteristics for mobile payments-to-persons <br \/> 5.1 General <br \/> 5.2 Mobile payments-to-persons concepts  <\/td>\n<\/tr>\n<tr>\n<td><b>13<b><\/td>\n<td>5.3 User expectations <br \/> 5.4 Stakeholders involved in a mobile payments-to-persons program <br \/> 5.4.1 Mobile financial service provider <br \/> 5.4.2 Mobile network operator <br \/> 5.4.3 Agent <br \/> 5.4.4 Electronic money service provider  <\/td>\n<\/tr>\n<tr>\n<td><b>14<b><\/td>\n<td>6 Requirements for mobile payments-to-persons <br \/> 6.1 General <br \/> 6.2 Device, network, and application selection requirements <br \/> 6.2.1 General <br \/> 6.2.2 Requirements  <\/td>\n<\/tr>\n<tr>\n<td><b>15<b><\/td>\n<td>6.3 Logging requirements <br \/> 6.3.1 General <br \/> 6.3.2 Requirements <br \/> 6.4 Notice requirements <br \/> 6.4.1 General <br \/> 6.4.2 Requirements  <\/td>\n<\/tr>\n<tr>\n<td><b>16<b><\/td>\n<td>6.5 Authentication and authorization requirements <br \/> 6.5.1 General <br \/> 6.5.2 Requirements <br \/> 7 Scenarios for interoperability <br \/> 7.1 General <br \/> 7.2 Scenario for interoperability 1 <br \/> 7.2.1 General  <\/td>\n<\/tr>\n<tr>\n<td><b>17<b><\/td>\n<td>7.2.2 Three-corner model <br \/> 7.2.3 Four-corner model <br \/> 7.3 Scenario for interoperability 2 (cross-system payment)  <\/td>\n<\/tr>\n<tr>\n<td><b>18<b><\/td>\n<td>7.4 Interoperability models for payment facilitation <br \/> 7.4.1 General <br \/> 7.4.2 Direct interoperability model  <\/td>\n<\/tr>\n<tr>\n<td><b>19<b><\/td>\n<td>7.4.3 Common infrastructure  <\/td>\n<\/tr>\n<tr>\n<td><b>20<b><\/td>\n<td>8 Implementation models <br \/> 8.1 General <br \/> 8.2 High-level architecture and network technologies <br \/> 8.2.1 Layer 1: Infrastructure used to convey payment initiation and authorization messages  <\/td>\n<\/tr>\n<tr>\n<td><b>21<b><\/td>\n<td>8.2.2 Layer 2: Common infrastructure used for payment facilitation <br \/> 8.2.3 Layer 3: Value transfers and funds movement <br \/> 8.3 Classification of mobile payments-to-persons <br \/> 8.3.1 General  <\/td>\n<\/tr>\n<tr>\n<td><b>22<b><\/td>\n<td>8.3.2 Mobile credit transfer payment <br \/> 8.3.3 Mobile card payment <br \/> 8.3.4 Electronic money transfer <br \/> 8.4 Mobile remittances  <\/td>\n<\/tr>\n<tr>\n<td><b>23<b><\/td>\n<td>8.5 High-level description for significant use cases <br \/> 8.5.1 General <br \/> 8.5.2 Mobile payments-to-persons by card  <\/td>\n<\/tr>\n<tr>\n<td><b>25<b><\/td>\n<td>8.5.3 Payments-to-persons by credit transfer  <\/td>\n<\/tr>\n<tr>\n<td><b>29<b><\/td>\n<td>9 Detailed payments-to-persons transaction flows <br \/> 9.1 General <br \/> 9.2 Models for the processing of mobile payments-to-persons  <\/td>\n<\/tr>\n<tr>\n<td><b>30<b><\/td>\n<td>9.3 Bank-centric payments-to-persons models <br \/> 9.3.1 Split payment over the ACH system  <\/td>\n<\/tr>\n<tr>\n<td><b>32<b><\/td>\n<td>9.3.2 Bank-centric single payment over the ACH system consortium model  <\/td>\n<\/tr>\n<tr>\n<td><b>34<b><\/td>\n<td>9.4 Non-bank-centric models <br \/> 9.4.1 General  <\/td>\n<\/tr>\n<tr>\n<td><b>35<b><\/td>\n<td>9.4.2 Three-corner non-bank-centric methods funded by non-bank account  <\/td>\n<\/tr>\n<tr>\n<td><b>36<b><\/td>\n<td>9.4.3 Split non-bank centric model funded by bank account  <\/td>\n<\/tr>\n<tr>\n<td><b>38<b><\/td>\n<td>9.4.4 Three-corner non-bank-centric single model funded by bank account  <\/td>\n<\/tr>\n<tr>\n<td><b>39<b><\/td>\n<td>9.5 Card-based payments <br \/> 9.5.1 Processing functionalities <br \/> 9.5.2 Detailed transaction flow  <\/td>\n<\/tr>\n<tr>\n<td><b>42<b><\/td>\n<td>Annex\u00a0A (informative)  Financial inclusion for mobile payments-to-persons  <\/td>\n<\/tr>\n<tr>\n<td><b>44<b><\/td>\n<td>Annex\u00a0B (informative)  Intra-jurisdictional versus inter-jurisdictional aspects for mobile payments-to-persons  <\/td>\n<\/tr>\n<tr>\n<td><b>45<b><\/td>\n<td>Bibliography  <\/td>\n<\/tr>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p><b>Core banking. Mobile financial services &#8211; Mobile payments-to-persons<\/b><\/p>\n<table class=\"shortdes-table\" style=\"width: 100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td>Published By<\/td>\n<td>Publication Date<\/td>\n<td>Number of Pages<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/pdfstandards.shop\/product-category\/publishers\/bsi\/\"><b>BSI<\/b><\/a><\/td>\n<td>2017<\/td>\n<td>50<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"featured_media":346907,"template":"","meta":{"rank_math_lock_modified_date":false,"ep_exclude_from_search":false},"product_cat":[2641],"product_tag":[],"class_list":{"0":"post-346899","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-bsi","8":"first","9":"instock","10":"sold-individually","11":"shipping-taxable","12":"purchasable","13":"product-type-simple"},"_links":{"self":[{"href":"https:\/\/pdfstandards.shop\/wp-json\/wp\/v2\/product\/346899","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pdfstandards.shop\/wp-json\/wp\/v2\/product"}],"about":[{"href":"https:\/\/pdfstandards.shop\/wp-json\/wp\/v2\/types\/product"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pdfstandards.shop\/wp-json\/wp\/v2\/media\/346907"}],"wp:attachment":[{"href":"https:\/\/pdfstandards.shop\/wp-json\/wp\/v2\/media?parent=346899"}],"wp:term":[{"taxonomy":"product_cat","embeddable":true,"href":"https:\/\/pdfstandards.shop\/wp-json\/wp\/v2\/product_cat?post=346899"},{"taxonomy":"product_tag","embeddable":true,"href":"https:\/\/pdfstandards.shop\/wp-json\/wp\/v2\/product_tag?post=346899"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}