BSI 15/30266425 DC:2015 Edition
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BS ISO 12812-1. Core Banking. Mobile Financial Services. Part 1. General framework
Published By | Publication Date | Number of Pages |
BSI | 2015 | 42 |
PDF Catalog
PDF Pages | PDF Title |
---|---|
8 | Foreword |
9 | Introduction |
11 | 1 Scope 2 Normative references 3 Terms and definitions |
17 | 4 Symbols and abbreviated terms 5 The concept of interoperability 5.1 Introduction |
18 | 5.2 The concept of interoperability for payments: the business layer 5.3 The concept of interoperability for payments: the technical layer 5.4 Interoperability objectives 6 Relationships between customers and MFSPs 6.1 Introduction |
19 | 6.2 Legal status of the customer 6.3 Role played by the customer 6.4 Contractual relationship between the customer and the institution 6.5 Choice of wording for this International Standard |
20 | 7 Rationale for this International Standard 7.1 Introduction 7.2 Environment description 7.2.1 Introduction 7.2.2 Increased dematerialization of financial services 7.2.3 Increased use of financial services 7.2.4 Increased cross-border payments |
21 | 7.2.5 Remote management of applications 7.2.6 Enhanced proximate functionalities 7.2.7 Enhanced multi-application environment 7.3 Standardization Challenges 7.3.1 Introduction |
22 | 7.3.2 Adaptation of mobile financial services to a fast evolving technology 7.3.3 Business environment 7.3.4 Complexity and variability of regulatory environment 7.3.5 Consumer expectation for accessing all services using the same device 7.3.6 Risk management in the mobile environment 7.3.7 Certification programs |
23 | 7.3.8 Role of the mobile device 8 Mobile Payments 8.1 General payment functions 8.1.1 Introduction 8.1.2 Payment service issuance 8.1.3 Payment service activation 8.1.4 Payment service selection by the payer 8.1.5 Application selection by the POI or the payment gateway 8.1.6 Application data retrieval 8.1.7 Customer identification 8.1.8 Payer authentication |
24 | 8.1.9 Application authentication 8.1.10 Payer authorization/confirmation 8.1.11 Transaction data authentication 8.1.12 MFSP authorization 8.1.13 Completion of the transaction 8.1.14 Clearing and settlement 8.1.15 End of service 8.2 Mobile proximate payment 8.2.1 Introduction |
25 | 8.2.2 Mobile contactless payment 8.2.3 Mobile proximate payment based on bar code |
26 | 8.3 Mobile Remote Payment 8.3.1 Introduction 8.3.2 Payment to Business |
27 | 8.3.3 Payment to Person 9 Mobile banking 9.1 Introduction |
28 | 9.2 General mobile banking functions 9.2.1 Introduction 9.2.2 Enrolment 9.2.3 Customer profile management 9.2.4 Banking service issuance 9.2.5 Customer identification 9.2.6 Customer authentication 9.2.7 Customer authorization/confirmation 9.2.8 Transaction data authentication 9.2.9 Institution authorization 9.2.10 Completion of the banking operation |
29 | 9.2.11 End of service 9.3 Channels for mobile banking 9.3.1 Introduction 9.3.2 Accessing the mobile banking service via the Internet browser of a mobile device 9.3.3 Accessing the mobile banking service through an application 9.3.4 Accessing the mobile banking service through the use of Short Messaging Service (SMS) 10 Mobile financial services supporting technologies 10.1 Mobile device |
30 | 10.2 Mobile communication 10.3 Mobile device local interface 10.4 Applications |
31 | 10.5 Mobile wallet 10.6 Secure element |
32 | 10.7 User interface 10.8 Trusted execution environment |
33 | 10.9 Secured server 10.10 Service management 11 Stakeholders involved in the mobile payment ecosystems |
34 | 12 Implementations of ISO 12812 |
35 | Annex A (informative) Organizations involved in mobile standardization and guidance |
36 | Annex B (informative) Mobile payment ecosystems and related business models for MFSPs |
38 | Annex C (informative) Payment instruments |
41 | Bibliography |