Table of Contents

Foreword
Introduction
1 Scope
2 Normative references
3 Terms and definitions
4 Symbols and abbreviated terms
5 Requirements
6 Clause
  6.1 Business Roles
      6.1.1 The Consumer
      6.1.2 The Merchant
      6.1.3 The Merchant's Financial Institution
      6.1.4 The Consumer's Financial Institution
  6.2 Business Functions
      6.2.1 Authentication of Merchant
      6.2.2 Electronic Shopping experience
      6.2.3 Electronic Payment Negotiation
      6.2.4 Electronic Payment Object Delivery
      6.2.5 Payment or Consideration Acknowledgment
      6.2.6 Interface to Settlement
      6.2.7 Clearing and Settlement
      6.2.8 Account Statement to Consumer
      6.2.9 Electronic Wallet
  6.3 Business Services
      6.3.1 Privacy and Data Confidentiality
      6.3.2 Non-repudiation
      6.3.3 Fraud prevention
  6.4 Schematic Representation
  6.5 Payment Framework
  6.6 Information Interchanged
      6.6.1 Merchant Information
      6.6.2 CFI Information
      6.6.3 Consumer Payment Instructions
      6.6.4 Merchant Authorization/Payment Request
      6.6.5 Payment Ack
      6.6.6 Consideration Ack
      6.6.7 Payment Query
      6.6.8 Consumer Request for Refund
  6.7 Payment Mechanisms to be Supported
      6.7.1 Payment Cards
      6.7.2 Electronic Checks
  6.8 Consumer Client Option Selection
      6.8.1 Payment Option Presentment
7 Object Content
  7.1 Entity Model
  7.2 ASN.1 Definitions
  7.3 Concepts used in the Payment Object
      7.3.1 Link between Consumer and CFI
      7.3.2 Link to Order
      7.3.3 Link between Merchant Certificates
      7.3.4 Certificates
      7.3.5 Locally Unique Identifier (LUID)
      7.3.6 Signature
      7.3.7 Authentication Hash of Order Details
      7.3.8 Payment Routing Code (PRC)
  7.4 Content of the Individual Objects
      7.4.1 Content of the Consumer's Payment Object
      7.4.2 Content of the Merchant's Payment Acknowledgment
      7.4.3 Content of the Consideration Acknowledgment
      7.4.4 Content of the Query Object
      7.4.5 Content of the Query Response Object
      7.4.6 Content of the Request for Refund
  7.5 Concrete Syntax
Annex A (normative) Message Sequencing
  A.1 Bill Payment
  A.2 Customer Initiated Money Order
  A.3 Payment upon Delivery Transactions
  A.4 Shopping Experience
Annex B (Informative) Payment Cards Example
  B.1 Definitions for Payment Card Example
  B.2 Data Elements
  B.3 Description
  B.4 High-Level Flow
  B.5 Considerations
  B.6 Attacks
  B.7 Credit Card Settlement
Annex C (Informative) Bank Account Example
  C.1 Definitions for Check Example
  C.2 The Standard Check Model
  C.3 The Z-flow Model
  C.4 Other Models
  C.5 The Check Book

Abstract

Describes a model of account based electronic payments. It identifies the roles played by different components of the payment process and the flow of information between those roles.

General Product Information

Published
Document Type	Standard
Status	Current
Publisher	American Bankers Association
Pages
ISBN
Committee	X9