ISO/DIS 12812-4:2015 en

Core Banking - Mobiele Financiele Diensten - Deel 4: Mobiele betaling-naar-persoon

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Over deze norm

Status Ontwerp
Aantal pagina's 36
Commissie Financiƫle diensten
Gepubliceerd op 01-04-2015
Taal Engels
This document provides comprehensive requirements and practices involved in mobilizing the transfer of funds as well as spefic use cases for implementation of interoperable mobile payments to persons. 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 12812-1, Annex C). This part of the standard includes the following items: a) Requirements applicable to Mobile payments to persons; b) Recommendations regarding mechanisms involved in the operation of interoperable Mobile payments to persons; c) A description of the different use cases for Mobile payments to persons; d) A generic interoperability model for the provision of different Mobile payments to persons; e) Recommendations for the technical implementation of the generic architectures for the mobile payments to persons services; f) Recommendations for mobile remittances; g) Use cases with the corresponding transaction flows; and h) Discussion of the financial inclusion of Unbanked and Underbanked persons (Annex B). Mobile payments to persons systems described in this part of the standard relate to both open collaborative systems (also known as 4-corner systems) and closed systems (also known as 3-corner systems). See also ISO 12812-1, Annex B. A MFSP closed system is one requiring both the payer and the payee to be registered with this system. However, two closed systems may decide to enter into a bilateral agreement so members of one system can exchange funds with members of another system. Similarly, several closed Mobile payments to persons systems may decide to connect to a hub or central service provider to enable cross-system Mobile payments to persons. This standard is intended to facilitate such agreements.


ICS-code 03.060
Nederlandse titel Core Banking - Mobiele Financiele Diensten - Deel 4: Mobiele betaling-naar-persoon
Engelse titel Core Banking - Mobile Financial Services - Part 4: Mobile payments-to-person



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