ISO/TS 12812-5:2017 核心银行 移动金融服务 第5部分：移动支付企业

标准编号：ISO/TS 12812-5:2017

中文名称：核心银行 移动金融服务 第5部分：移动支付企业

英文名称：Core banking — Mobile financial services — Part 5: Mobile payments to businesses

发布日期：2017-03

标准范围

ISO/TS 12812-5:2017侧重于个人（“消费者”、“付款人”或“企业”）使用移动设备向企业实体（“商户”或“收款人”）发起支付的机制。这种支付可以使用传统的商户交互点（POI）系统，其中支付结算方式遵循成熟的商户服务模式。此外，消费者还可以通过其他方式向商户付款，使用移动设备在传统支付网络之外使用安全支付工具发起、授权和处理交易。因此，本文件支持“推送”和“拉送”支付（即从移动设备推送或传输到POI或拉送或接收到移动设备或POI的交易），由消费者发起和/或确认购买商品和/或服务，包括近距离支付、远程安全服务器支付，以及利用其他技术的移动支付[e。g、 云计算、快速响应（“QR”）代码、生物特征识别、地理位置和其他验证和授权交易的方法]。MFS环境最重要的一个方面是面向企业的移动支付。消费者或作为消费者的企业可以通过多种方式向商家付款。ISO 12812提供了一个全面的标准，用于使用动员资金转移所涉及的机制，无论谁参与了该过程。本文件旨在供移动零售支付解决方案的潜在实施者使用，而ISO 12812-4旨在供个人移动支付解决方案的潜在实施者使用。注ISO 12812-1:2017第5.4节解释了这些术语的使用差异。因此，ISO 12812（所有部分）寻求支持所有可能的技术，并不是为了强调或认可竞争市场中的特定技术。尽管本文件涉及消费者或作为消费者的企业进行的移动支付，但就与MFSP的关系而言，这些交易受各种消费者保护要求的约束，消费者（或企业）是MFSP的客户。然而，本文件将使用术语“消费者”

ISO/TS 12812-5:2017 focuses on mechanisms by which a person ("consumer", "payer" or "business") uses a mobile device to initiate a payment to a business entity ("merchant" or "payee"). Such a payment may use the traditional merchant point of interaction (POI) system, where the manner of settling the payment follows well-established merchant services paradigms. Additionally, there are other ways for a consumer to make a payment to a merchant, using the mobile device to initiate, authorize and process transactions outside of traditional payment networks using secure payment instruments. Accordingly, this document supports both "push" and "pull" payments (i.e. transactions that are pushed or transmitted from a mobile device into a POI or pulled or received into a mobile device or POI), which are initiated and/or confirmed by a consumer to purchase goods and or services, including proximate payments, remote secure server payments, as well as mobile payments that leverage other technologies [e.g. cloud computing, quick response ("QR") codes, biometrics, geo-location and other methods to authenticate and authorize the transaction].One of the most important aspects of the MFS environment is mobile payments to businesses. There are many ways a consumer, or a business as a consumer, can make a payment to a merchant. ISO 12812 provides a comprehensive standard for using the mechanisms involved in mobilizing the transfer of funds regardless of who is involved in the process. This document is intended to be used by potential implementers of mobile retail payment solutions, while ISO 12812-4 is intended for potential implementers of solutions for mobile payments to persons.NOTE ISO 12812？1:2017, 5.4 explains the differences in the use of these terms. As such, the ISO 12812 (all parts) seeks to support all possible technologies and is not designed to highlight or endorse specific technologies in the competitive marketplace.Although this document deals with mobile payments made by a consumer or a business acting as a consumer, which transactions are subject to a variety of consumer protection requirements, in terms of the relationship to the MFSP, the consumer (or business) is the customer of the MFSP. Nevertheless, this document will use the term "consumer."

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