BS PD ISO/TS 12812-4:2017提供了全面的要求和建议，以及具体用途 向个人实施可互操作移动支付的案例。重点放在管理移动支付个人运营功能的原则上 系统和流程，以及基本技术、组织和， 业务、法律和政策问题，利用现有支付工具的遗留基础设施 （见ISO 12812-1:2017，附录C）。本文件包括以下内容:适用于个人移动支付的要求；关于互操作移动设备操作所涉及机制的建议 向个人支付的款项；移动支付不同用例的描述- 对个人；为个人提供不同移动支付的通用互操作性模型；移动设备通用体系结构的技术实施建议 个人支付计划；关于移动汇款的建议；具有相应事务流的用例；讨论无银行和银行存款不足人士的金融包容性（附件A）；有关移动支付给人的一些法律方面的考虑（附件B）。交叉引用:ISO 12812-1ISO 12812-2:2017ISO 12812-5ISO 12812-3ISO/IEC 18092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 12812-4:2017 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-topersons 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).This document includes the following items:requirements applicable to mobile payments-to-persons;recommendations regarding mechanisms involved in the operation of interoperable mobile payments-to-persons;a description of the different use cases for mobile payments-to-persons;a generic interoperability model for the provision of different mobile payments-to-persons;recommendations for the technical implementation of the generic architectures for the mobile payments-to-persons program;recommendations for mobile remittances;use cases with the corresponding transaction flows;discussion of the financial inclusion of unbanked and underbanked persons (Annex A);some legal aspects to consider for mobile payments-to-persons (Annex B).Cross References:ISO 12812-1ISO 12812-2:2017ISO 12812-5ISO 12812-3ISO/IEC 18092All current amendments available at time of purchase are included with the purchase of this document.