1、Core banking Mobile financial services Part 2: Security and data protection for mobile financial services PD ISO/TS 12812-2:2017 BSI Standards Publication WB11885_BSI_StandardCovs_2013_AW.indd 1 15/05/2013 15:06National foreword This Published Document is the UK implementation of ISO/TS 12812- 2:201
2、7. The UK participation in its preparation was entrusted to Technical Committee IST/12, Financial services. A list of organizations represented on this committee can be obtained on request to its secretary. This publication does not purport to include all the necessary provisions of a contract. User
3、s are responsible for its correct application. The British Standards Institution 2017. Published by BSI Standards Limited 2017 ISBN 978 0 580 82718 1 ICS 03.060 Compliance with a British Standard cannot confer immunity from legal obligations. This Published Document was published under the authority
4、 of the Standards Policy and Strategy Committee on 30 April 2017. Amendments/corrigenda issued since publication Date Text affected PUBLISHED DOCUMENT PD ISO/TS 12812-2:2017 ISO 2017 Core banking Mobile financial services Part 2: Security and data protection for mobile financial services Oprations b
5、ancaires de base Services financiers mobiles Partie 2: Scurit et protection des donnes pour les services financiers mobiles TECHNICAL SPECIFICATION ISO/TS 12812-2 Reference number ISO/TS 12812-2:2017(E) First edition 2017-03 ISO/TS 12812-2:2017(E)ii ISO 2017 All rights reserved COPYRIGHT PROTECTED D
6、OCUMENT ISO 2017, Published in Switzerland All rights reserved. Unless otherwise specified, no part of this publication may be reproduced or utilized otherwise in any form or by any means, electronic or mechanical, including photocopying, or posting on the internet or an intranet, without prior writ
7、ten permission. Permission can be requested from either ISO at the address below or ISOs member body in the country of the requester. ISO copyright office Ch. de Blandonnet 8 CP 401 CH-1214 Vernier, Geneva, Switzerland Tel. +41 22 749 01 11 Fax +41 22 749 09 47 copyrightiso.org www.iso.org ISO/TS 12
8、812-2:2017(E)Foreword v Introduction vi 1 Scope . 1 2 Normative references 1 3 Terms and definitions . 2 4 Abbreviated terms 4 5 Summary of the technical nature of the clauses 5 6 Security management considerations . 7 6.1 General . 7 6.2 Three-layer model to manage security for mobile financial ser
9、vices 8 6.2.1 Process layer 9 6.2.2 Application layer .10 6.2.3 Infrastructure layer 10 7 Security principles and minimum requirements for mobile financial services .11 7.1 Security architecture aspects to be considered .11 7.2 Mobile financial services hardening techniques overview 13 7.2.1 General
10、.13 7.2.2 Mobile device hardening techniques overview 13 7.2.3 Wireless networks hardening techniques overview .13 7.2.4 Secure remote management of mobile device components using OTA .14 7.2.5 Mobile financial applications hardening techniques .14 7.2.6 Platform security services 15 7.2.7 Applicati
11、on level security services for mobile financial applications .16 7.2.8 Application management security services .17 7.3 Minimum set of security requirements for mobile financial services17 7.3.1 General.17 7.3.2 Remote MFS access requirements .17 7.3.3 Transaction processing requirements .18 7.3.4 P
12、rotection of sensitive data .19 7.3.5 Mobile device requirements .20 7.3.6 Customer education .20 7.4 Minimum set of security requirements for mobile application management 21 7.4.1 Customer enrolment and provisioning requirements 21 7.4.2 Key management 21 7.4.3 Mobile financial service provider an
13、d trusted service manager exchanges .22 7.4.4 Application downloading 22 7.4.5 Application deactivation 22 7.5 Summary: Requirements for security services for mobile financial services .22 8 Security requirements for cryptographic components used for MFS 23 8.1 Mobile device secure environments 23 8
14、.1.1 Mobile Device requirements for MFS 23 8.1.2 Software-based secure environment 24 8.1.3 Trusted execution environment (TEE) 24 8.1.4 Secure element requirements .26 8.1.5 Secure element requirements for digital signature services 28 8.2 Security requirements for cryptographic modules used for MF
15、S 30 8.2.1 General.30 8.2.2 List of requirements for cryptographic hardware modules 30 8.2.3 Requirements for cryptographic software modules 31 9 Security evaluation and certification aspects .31 9.1 General recommendation .31 ISO 2017 All rights reserved iii Contents Page PD ISO/TS 12812-2:2017 ISO
16、/TS 12812-2:2017(E)9.2 Cryptographic modules 31 9.3 Software modules 32 9.4 Interoperability of security certifications 32 9.5 Guidance for TEE security evaluation and certification .33 10 Security requirements for mobile proximate payments .33 10.1 General 33 10.2 Common security requirements .34 1
17、0.2.1 Integrity of sensitive data and applications at rest .34 10.2.2 Authentication 34 10.2.3 Data protection in transit 34 11 Security requirements for mobile remote payments 34 11.1 General 34 11.2 Security requirements .35 11.2.1 Authentication 35 11.2.2 Proof of consent .35 11.2.3 Payment gatew
18、ay processing requirements .35 12 Security requirements for mobile banking .35 12.1 General 35 12.2 Authentication considerations .36 12.3 Security requirements .37 13 Electronic money .37 13.1 General 37 13.2 Anonymity requirements 37 13.3 Security requirements .37 14 Data protection requirements 3
19、8 14.1 General considerations and legal framework for compliance 38 14.2 Requirements and recommendations for data protection .39 14.2.1 Requirements 39 14.2.2 Recommendations for data protection 39 14.3 Privacy assessment 39 Annex A (informative) Risk analysis guidelines 40 Annex B (informative) Mo
20、bile financial system implementation of Know-Your- Customer requirements .45 Annex C (informative) Cryptographic mechanisms for mobile financial services.46 Annex D (informative) Vulnerabilities and attacks on mobile financial services 51 Bibliography .55 iv ISO 2017 All rights reserved PD ISO/TS 12
21、812-2:2017 ISO/TS 12812-2:2017(E) Foreword ISO (the International Organization for Standardization) is a worldwide federation of national standards bodies (ISO member bodies). The work of preparing International Standards is normally carried out through ISO technical committees. Each member body int
22、erested in a subject for which a technical committee has been established has the right to be represented on that committee. International organizations, governmental and non-governmental, in liaison with ISO, also take part in the work. ISO collaborates closely with the International Electrotechnic
23、al Commission (IEC) on all matters of electrotechnical standardization. The procedures used to develop this document and those intended for its further maintenance are described in the ISO/IEC Directives, Part 1. In particular the different approval criteria needed for the different types of ISO doc
24、uments should be noted. This document was drafted in accordance with the editorial rules of the ISO/IEC Directives, Part 2 (see www .iso .org/ directives). Attention is drawn to the possibility that some of the elements of this document may be the subject of patent rights. ISO shall not be held resp
25、onsible for identifying any or all such patent rights. Details of any patent rights identified during the development of the document will be in the Introduction and/or on the ISO list of patent declarations received (see www .iso .org/ patents). Any trade name used in this document is information g
26、iven for the convenience of users and does not constitute an endorsement. For an explanation on the voluntary nature of standards, the meaning of ISO specific terms and expressions related to conformity assessment, as well as information about ISOs adherence to the World Trade Organization (WTO) pri
27、nciples in the Technical Barriers to Trade (TBT) see the following URL: w w w . i s o .org/ iso/ foreword .html. This document was prepared by Technical Committee ISO/TC 68, Financial services, Subcommittee SC 7, Core banking. A list of all the parts in the ISO 12812 series can be found on the ISO w
28、ebsite. ISO 2017 All rights reserved v PD ISO/TS 12812-2:2017 ISO/TS 12812-2:2017(E) Introduction ISO 12812 is made up of ISO 12812-1, an International Standard, and ISO/TS 12812-2 to ISO/TS 12812- 4, published as Technical Specifications addressing interoperable and secure systems for the provision
29、, operation and management of Mobile Financial Services (MFS). This document is intended to assist MFS developers and MFS providers (MFSPs) to evaluate and select security mechanisms for an MFS to be managed according to a pre-established security policy. It is also important for users of MFS to und
30、erstand how security requirements and considerations come into play in the mobile environment. Security is a central requirement for any MFS. Institutions increasingly seek to mitigate the risk of fraud in order to protect their customers and hence their own business. Security objectives focus on ri
31、sk mitigation of identified threats against the integrity and confidentiality of data. Any sustainable MFS business model relies on security and fraud prevention. Consequently, the MFSP needs to define the confidentiality and availability of data prior to implementing any MFS. Mobile technology has
32、security-specific concerns due to the proliferation and ease of availability of mobile devices and the observed hacking of mobile applications. The experience with traditional card payments is different than that with the mobile device and the wireless channel and requires that risks and controls be
33、 reassessed and re-implemented where necessary. Hence, MFSPs require a common understanding of the risks faced by the ecosystem and the suitability of existing security standards (architecture, devices and mechanisms) to address them. This document assumes that when the MFSP is deciding on the secur
34、ity policy to be implemented, the principle of proportionality applies. In other words, security countermeasures should be proportional to the potential risk of financial and reputational damage of a particular MFS. MFS are initiated from a mobile device which is able to support different wireless c
35、ommunication protocols for different modes of operation. The mobile device can leverage various technologies to deliver MFS, including but not limited to near-field communications in conjunction with the presence of an appropriate secure environment (e.g. SE, TEE, software with supplementary securit
36、y controls) resident in the mobile device or accessible from a remote/cloud-based back-office. Both types of technology offer different methods for securing financial data, financial applications, and personal data. In order to define security requirements for MFS, this document differentiates betwe
37、en: a proximate mode of operation, appropriate for various forms of payments where the mobile device directly communicates with another mobile device (i.e. a payees mobile device) or a payment terminal located at a merchant. Proximate payments are defined as those occurring where the payer and the p
38、ayee are physically present in the same location (see ISO 12812-1). a mobile remote mode of operation, where the mobile device uses a mobile communication network which enable MFS to operate where the payer and the payee are not physically located in the same place (see ISO 12812-1). In remote mode,
39、 the wireless communication channel is established according to a specific set of standard protocols (e.g. GSM, CDMA, WiFi) which includes authentication procedures to grant access to the network services. A second authentication process of the mobile financial application enables the connection wit
40、h the corresponding peer application in a remote platform. This document analyses the various security issues that may arise from the choice of platform and technologies for the operation of MFS. This document also identifies various mobile malware vulnerabilities (e.g. worms, viruses, trojans) spec
41、ific to mobile devices. ISO/TS 12812-2 objectives include a) defining the minimum security requirements, recommendations and guidelines as appropriate, b) facilitating a generic security framework for the provision and execution of MFS with sufficient flexibility to accommodate different security po
42、licies, c) establishing a generic model for managing security of MFS,vi ISO 2017 All rights reserved PD ISO/TS 12812-2:2017 ISO/TS 12812-2:2017(E) d) providing references for implementers to use in evaluating risks of MFS, and e) identifying security management practices for the operation of MFS, in
43、cluding reference to specific national legal requirements to combat criminal activities (e.g. anti-money laundering) and to enhance data security through the use of proven cryptographic methods. This document is structured as follows. Clause 5 categorizes the technical content of the clauses of the
44、document as types of materials: descriptive, recommendations or requirements. Clause 6 introduces the concept of security management, addressing all different aspects of MFS security including risk management. Insight into risk analysis is found in Annex A. Clause 7 describes the minimum set of secu
45、rity requirements for MFS, starting with challenges and technologies for a secure mobile application system design. Clause 8 sets out requirements for those components specifically designed to create a secure environment in the mobile device, as well as cryptographic modules used for MFS transaction
46、 processing. Clause 9 provides insight and sets out requirements for secure evaluation and certification methods. Clause 10 through Clause 12 discuss more in depth the concepts outlined in Clause 7, by providing further requirements for security services needed to balance the vulnerabilities and thr
47、eats of different wireless networks both in proximate and remote modes. Clause 13 is specific to electronic money security requirements. Clause 14 provides information relevant for selecting countermeasures to mitigate the legal risks of infringement of data protection laws. Annex A focus on risk an
48、alysis including principles to establish a security management program for MFS. Annex B provides insight into regulatory constraints that are taken into account when designing and/or operating an MFS. Annex C is a list of ISO recommended cryptographic standards and implementations to design the secu
49、rity services set out in this document. Annex D elaborates on vulnerabilities and threats for different communication channels used for MFS. For additional information on the security of mobile payments, please refer to the Bibliography. ISO 2017 All rights reserved vii PD ISO/TS 12812-2:2017PD ISO/TS 12812-2:2017 Core banking Mobile financial services Part 2: Security and data protection for mobile financial services 1 Scope This document describes and specifies a framework for the management of the security of MFS. It includes a g
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