BS PD ISO/TS 12812-5:2017侧重于个人（“消费者”、“付款人”或“企业”）使用的机制 向商业实体（“商户”或“收款人”）发起支付的移动设备。这样的付款 可能会使用传统的商户交互点（POI）系统，其中 支付遵循成熟的商户服务模式。此外，还有其他方法 消费者向商户付款，使用移动设备发起、授权和 使用安全的支付工具处理传统支付网络之外的交易。 因此，本文档支持“推送”和“拉送”支付（即推送的交易） 或从移动设备传输到POI，或拉入或接收到移动设备或POI），其中 由消费者发起和/或确认购买商品和/或服务，包括proximate 支付、远程安全服务器支付，以及利用其他技术的移动支付 [例如，云计算、快速响应（“QR”）代码、生物特征识别、地理位置和其他方法 验证并授权交易]。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，无论过程中涉及到谁。本文件旨在供以下人员使用: 移动零售支付解决方案的潜在实施者，而ISO 12812-4旨在为潜在的 面向个人的移动支付解决方案的实施者。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 零件）旨在支持所有可能的技术，而不是为了强调或认可特定的技术 在竞争激烈的市场中。虽然本文档涉及消费者或作为客户的企业进行的移动支付 消费者，这些交易在以下方面受到各种消费者保护要求的约束: 与MFSP的关系中，消费者（或企业）是MFSP的客户。然而，这 文档将使用术语“消费者”交叉引用:ISO 12812-1ISO/TS 12812-2ISO/TS 12812-3ISO/IEC 18004ISO/IEC 18092ISO/IEC 21481ISO 8583ISO 9564ISO 10002ISO 10003ISO/TS 12812- 4ISO 18245ISO 20022ISO/IEC 14443ISO/IEC/TR 14516EPC 492.09EPC 178-10IEEE 802.11购买本文件时提供的所有当前修订版均包含在购买本文件中。

BS PD 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."Cross References:ISO 12812-1ISO/TS 12812-2ISO/TS 12812-3ISO/IEC 18004ISO/IEC 18092ISO/IEC 21481ISO 8583ISO 9564ISO 10002ISO 10003ISO/TS 12812-4ISO 18245ISO 20022ISO/IEC 14443ISO/IEC/TR 14516EPC 492.09EPC 178-10IEEE 802.11All current amendments available at time of purchase are included with the purchase of this document.