ISO/TS 12812-4:20 17提供了全面的要求和建议，以及实施可互操作的个人移动支付的具体用例。 重点是管理个人移动支付系统和流程的运营功能的原则，以及潜在的技术、组织、业务、法律和政策问题的介绍，利用现有支付工具的遗留基础设施（见ISO 12812？1:20 17，附件C）。 ISO/TS 12812-4:20 17包括以下项目: a)适用于个人移动支付的要求； b)关于可互操作的个人移动支付操作所涉及的机制的建议； c)对个人移动支付的不同用例的描述；d)用于向个人提供不同移动支付的通用互操作性模型； e)对个人移动支付计划通用架构的技术实现的建议； f)关于移动汇款的建议； g)具有相应交易流的用例； h)讨论无银行账户和银行服务不足者的金融包容性（附件A）； i)个人移动支付需要考虑的一些法律问题（附件B）。 ISO/TS 12812-4:20 17的结构如下: -第6条载列流动支付予个人计划必须遵守的规定。 -第7、8和9条规定了个人移动支付互操作性的不同实施级别。 -第7条描述移动支付的互操作性原则-对人。 -条款8描述: 移动支付到个人程序的三层高层架构； 这些计划支持的支付工具； 使用这些支付工具对个人进行移动支付的一系列重要用例的处理细节。 -条款9提供了针对不同移动支付到个人实施方式的逐步数据流描述:以银行为中心、以非银行为中心和以卡为中心。它们可以被映射到条款8的处理用例中，其中对支付服务提供商的性质进行抽象。

ISO/TS 12812-4:2017 provides comprehensive requirements and recommendations, as well as specific 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？1:2017, Annex C). ISO/TS 12812-4:2017 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 program; f) recommendations for mobile remittances; g) use cases with the corresponding transaction flows; h) discussion of the financial inclusion of unbanked and underbanked persons (Annex A); i) some legal aspects to consider for mobile payments-to-persons (Annex B). ISO/TS 12812-4:2017 is structured as follows: - Clause 6 sets forth the requirements that a mobile payments-to-persons program must comply with. - Clauses 7, 8 and 9 provide the different levels of implementation for the interoperability of mobile payments-to-persons. - Clause 7 describes the interoperability principles for mobiles payments-to-persons. - Clause 8 describes:

1. a three-layer high-level architecture for mobile payments-to-persons programs;
2. payments instruments sustained by these programs;
3. processing details for a series of significant use cases of mobile payments-to-persons using these payment instruments.

- 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.