定义用户和金融服务提供商之间安全且受保护的信息交换的最低安全要求。提供的保护将在传输过程中为消息提供完整性；在传输过程中为信息保密；在数据传输之前和传输过程中识别合法用户和金融服务提供商；并防止任何一方拒绝接受信息或交易。

Defines the minimum security requirements for a secure and protected exchange of information between a user and a financial service provider. The protection offered will provide integrity for a message during transmission; provide secrecy of the message during transmission; identify the rightful user and financial service provider prior to and during data transmission; and prevent repudiation of a message or transaction by either party.