核心银行系统. 移动金融服务. 第1部分: 通用框架

[中文适用范围]： 本文件定义了涉及移动设备的移动金融服务（支付和银行业务）的通用框架，重点在于：a) 国际金融行业共同商定的一组定义；b) 移动设备为发展此类服务提供的机会；c) 促进建立一个环境，以减少或最小化希望向广大客户（个人和企业）提供可持续和可靠服务的移动金融服务提供商的障碍，同时确保客户利益得到保护；d) 通过移动设备访问的各种类型的移动金融服务，包括移动近场支付、移动远程支付和移动银行，这些在其他部分中详细阐述；e) 支持移动金融服务的移动技术；f) 参与移动支付生态系统的利益相关者。 [外文原描述]： ISO 12812-1:2017 defines the general framework of mobile financial services (payment and banking services involving a mobile device), with a focus on: a) a set of definitions commonly agreed by the international financial industry; b) the opportunities offered by mobile devices for the development of such services; c) the promotion of an environment that reduces or minimizes obstacles for mobile financial service providers who wish to provide a sustainable and reliable service to a wide range of customers (persons and businesses), while ensuring that customers' interests are protected; d) the different types of mobile financial services accessed through a mobile device including mobile proximate payments, mobile remote payments and mobile banking, which are detailed in other parts of ISO 12812; e) the mobile financial services supporting technologies; f) the stakeholders involved in the mobile payment ecosystems. ISO 12812-1:2017 includes the following informative annexes: - an overview of other standardization initiatives in mobile financial services (Annex A); - a description of possible mobile payment business models (Annex B); - a description of typical payment instruments which may be used (Annex C).