1、 I n t e r n a t i o n a l T e l e c o m m u n i c a t i o n U n i o n ITU-T Series F TELECOMMUNICATION STANDARDIZATION SECTOR OF ITU Supplement 3 (09/2016) SERIES F: NON-TELEPHONE TELECOMMUNICATION SERVICES Overview of Telecom Finance (Finance 2.0) ITU-T F-series Recommendations Supplement 3 ITU-T
2、F-SERIES RECOMMENDATIONS NON-TELEPHONE TELECOMMUNICATION SERVICES TELEGRAPH SERVICE Operating methods for the international public telegram service F.1F.19 The gentex network F.20F.29 Message switching F.30F.39 The international telemessage service F.40F.58 The international telex service F.59F.89 S
3、tatistics and publications on international telegraph services F.90F.99 Scheduled and leased communication services F.100F.104 Phototelegraph service F.105F.109 MOBILE SERVICE Mobile services and multidestination satellite services F.110F.159 TELEMATIC SERVICES Public facsimile service F.160F.199 Te
4、letex service F.200F.299 Videotex service F.300F.349 General provisions for telematic services F.350F.399 MESSAGE HANDLING SERVICES F.400F.499 DIRECTORY SERVICES F.500F.549 DOCUMENT COMMUNICATION Document communication F.550F.579 Programming communication interfaces F.580F.599 DATA TRANSMISSION SERV
5、ICES F.600F.699 MULTIMEDIA SERVICES F.700F.799 ISDN SERVICES F.800F.849 UNIVERSAL PERSONAL TELECOMMUNICATION F.850F.899 HUMAN FACTORS F.900F.999 For further details, please refer to the list of ITU-T Recommendations. F series Supplement 3 (09/2016) i Supplement 3 to ITU-T F-series Recommendations Ov
6、erview of Telecom Finance (Finance 2.0) Summary Supplement 3 to ITU-T F-series Recommendations presents an overview of Telecom Finance, an enhanced finance which, from the telecom operators perspective, is referred to as Finance 2.0. This service will enhance the customer experience in the upcoming
7、convergence of telecom services and financial services. It will approach the new generation of financial infrastructure among customer/user, telecom operators, including service provider (SP)/network operator (NO), the financial side, government, etc. This Supplement addresses a framework of Telecom
8、 Finance, including background, basic objectives, general requirements and functionalities, architecture and implementations, etc. History Edition Recommendation Approval Study Group Unique ID* 1.0 ITU-T F Suppl. 3 2016-09-23 2 11.1002/1000/13070 _ * To access the Recommendation, type the URL http:/
9、handle.itu.int/ in the address field of your web browser, followed by the Recommendations unique ID. For example, http:/handle.itu.int/11.1002/1000/11830-en. ii F series Supplement 3 (09/2016) FOREWORD The International Telecommunication Union (ITU) is the United Nations specialized agency in the fi
10、eld of telecommunications, information and communication technologies (ICTs). The ITU Telecommunication Standardization Sector (ITU-T) is a permanent organ of ITU. ITU-T is responsible for studying technical, operating and tariff questions and issuing Recommendations on them with a view to standardi
11、zing telecommunications on a worldwide basis. The World Telecommunication Standardization Assembly (WTSA), which meets every four years, establishes the topics for study by the ITU-T study groups which, in turn, produce Recommendations on these topics. The approval of ITU-T Recommendations is covere
12、d by the procedure laid down in WTSA Resolution 1. In some areas of information technology which fall within ITU-Ts purview, the necessary standards are prepared on a collaborative basis with ISO and IEC. NOTE In this publication, the expression “Administration“ is used for conciseness to indicate b
13、oth a telecommunication administration and a recognized operating agency. Compliance with this publication is voluntary. However, the publication may contain certain mandatory provisions (to ensure, e.g., interoperability or applicability) and compliance with the publication is achieved when all of
14、these mandatory provisions are met. The words “shall“ or some other obligatory language such as “must“ and the negative equivalents are used to express requirements. The use of such words does not suggest that compliance with the publication is required of any party. INTELLECTUAL PROPERTY RIGHTSITU
15、draws attention to the possibility that the practice or implementation of this publication may involve the use of a claimed Intellectual Property Right. ITU takes no position concerning the evidence, validity or applicability of claimed Intellectual Property Rights, whether asserted by ITU members o
16、r others outside of the publication development process. As of the date of approval of this publication, ITU had not received notice of intellectual property, protected by patents, which may be required to implement this publication. However, implementers are cautioned that this may not represent th
17、e latest information and are therefore strongly urged to consult the TSB patent database at http:/www.itu.int/ITU-T/ipr/. ITU 2017 All rights reserved. No part of this publication may be reproduced, by any means whatsoever, without the prior written permission of ITU. F series Supplement 3 (09/2016)
18、 iii Table of Contents Page 1 Scope . 1 2 References . 1 3 Definitions 1 4 Abbreviations and acronyms 2 5 Conventions 3 6 Introduction . 3 7 Background . 3 8 Basic objectives 4 9 Concept of Telecom Finance 5 10 Definition of e-money . 6 11 Architecture of Telecom Finance . 6 12 Requirements of Telec
19、om Finance . 7 13 Functions of Telecom Finance 9 14 Security . 10 15 Technology implementation of Telecom Finance 11 16 Contrast between traditional finance and Telecom Finance . 12 17 Scenarios for Telecom Finance 12 18 Roadmap for Telecom Finance . 13 19 Summary . 14 F series Supplement 3 (09/2016
20、) 1 Supplement 3 to ITU-T F-series Recommendations Overview of Telecom Finance (Finance 2.0) 1 Scope This Supplement presents an overview of Telecom Finance, an enhanced finance which, from Telecom Operators perspective, is referred to as Finance 2.0. This service will enhance the customer experienc
21、e in the upcoming convergence of telecom services and financial services. It will approach the new generation of financial infrastructure among customer/user, telecom operators, including SP/NO, the financial side, government, etc. This Supplement addresses a framework of Telecom Finance, including
22、background, basic objectives, general requirements and functionalities, architecture and implementations. 2 References ITU-T M.3016.0 Recommendation ITU-T M.3016.0 (2005), Security for the management plane: Overview. ITU-T M.3016.1 Recommendation ITU-T M.3016.1 (2005), Security for the management pl
23、ane: Security requirements. ITU-T M.3016.2 Recommendation ITU-T M.3016.2 (2005), Security for the management plane: Security services. ITU-T M.3016.3 Recommendation ITU-T M.3016.3 (2005), Security for the management plane: Security mechanism. ITU-T M.3016.4 Recommendation ITU-T M.3016.4 (2005), Secu
24、rity for the management plane: Profile proforma. ITU-T X.1252 Recommendation ITU-T X.1252 (2010), Baseline identity management terms and definitions. 3 Definitions This Supplement defines the following terms: 3.1 cash in: A customer can deposit cash in an e-money account by interacting with an organ
25、ization. 3.2 cash out: A customer can withdraw cash from an e-money account by interacting with an organization. 3.3 G2P finance: Government to people financial activities to care for peoples lives using the Telecom Finance network. This includes public medical assurance, life assurance, social bene
26、fit and government aids. 3.4 eID: Refers to the electronic identity that lawfully identifies citizens in one country. 3.5 e-money: Money that is issued lawful, existing and exchanged electronically, including virtual money. Electronic money can be exchanged isolated from banks and be stored in a han
27、dset or a mobile terminal and exchanged electronically among entities such as individuals and businesses. 3.6 e-wallet: Digital wallet that can hold e-money for transactions and could be initiated to hold international money in different currency areas for international transactions. 3.7 finance: Ac
28、tivities of money exchange or money stream among social entities. 2 F series Supplement 3 (09/2016) 3.8 financial services: Money exchange, or money stream for some objectives provided by organizations, such as payment, banking, insurance/assurance, stock exchange, G2P, P2P, etc. 3.9 digital financi
29、al services: Financial services that could be digitalized and addressed through ICT technologies. 3.10 identification network: Communication network in Telecom Finance that could provide functions of identification at the user, service and infrastructure levels. 3.11 identification terminal: Communi
30、cation terminal in Telecom Finance that could provide identification information to be identified. 3.12 mobile banking: Access to all banking services using a mobile phone. 3.13 mobile payment: A payment that is initiated by a mobile phone host using a mobile phone. It includes onsite payment and re
31、mote payment. 3.14 P2P finance: Person to person financial activities, such as lending and payment, without the intervention of banks and using a telecom network. 3.15 Telecom Finance: Finance 2.0, which is to provide digital financial services based on telecom network technologies. This includes th
32、e traditional financial service (Finance 1.0) and new financial services that meet the new financial requirements in the integrated information service era. 4 Abbreviations and acronyms This Supplement uses the following abbreviations and acronyms: ATM Automatic Teller Machine B2B Business to Busine
33、ss B2C Business to Customer B2P Business to Person B2G Business to Government C2C Customer to Customer eID Electronic Identity G2P Government to People G2B Government to Business G2G Government to Government ICT Information and Communication Technology IdM Identification Management NO Network Operat
34、or P2B Person to Business P2G People to Government P2P Person to Person SMS Short Messaging System SP Service Provider TMN Telecommunication Management Network VIP Very Important Person F series Supplement 3 (09/2016) 3 5 Conventions This Supplement does not use any specific conventions. 6 Introduct
35、ion In the integrated information service era, the value of telecom is changing. The traditional value of telecom is for communications, which refers to communicating anytime, anywhere, with anyone. The new value of telecom is changing towards doing anything anytime anywhere, including communication
36、. With respect to “doing anything“, three streams are the very basic factors, information stream, money stream and logistics, where the link between information stream and money stream is tightening. The information stream refers to communication or telecom. The money stream refers to finance. Typic
37、al applications that cover telecom and finance are online shopping, mobile payment, mobile banking, online games, etc. Also, the relationship between telecom and finance is tighter because of business to business (B2B), customer to customer (C2C), business to customer (B2C), real-time payment and ta
38、x, virtual bank and government to people (G2P) application in the SP/NO ecosystem today. Online payment, mobile payment and fixed payment, etc., are very initial applications in the telecom finance field. Telecom exchanges information and finance exchanges money. Convergence of telecom and finance i
39、s a kind of new innovation and application across different industries. With this in scope, this Supplement considers how to promote the update and development of finance, how to innovate and develop new service and new technologies across telecom and finance. This is about Telecom Finance, which is
40、 a new concept and new field worth of further research. Today, Telecom Finance is one of the priority requirements for current global telecom operators and customers, especially in underdeveloped and developing countries. Telecom Finance will take the advantages of telecom and provide a better finan
41、cial service and capabilities of innovation. Compared to current finance, the advantages of telecom technologies are: better coverage better interoperability better interaction better collaboration better identification for network, individuals and group better security and control more mature ecosy
42、stem for industry greener makes our society better. Because of these advantages, Telecom Finance can provide a more flexible, more innovative and safer financial service in a wider area. To telecom operators, Telecom Finance will be a very important service and a new opportunity for network operatio
43、ns. To traditional finance players, it means not only to provide service in a wider area, but also easier financial services innovation. 7 Background Current services in the Telecom Finance field, such as mobile payment and mobile banking are provided through the direct interface between public netw
44、ork and terminal, and current financial systems, which is a temporary solution described in Figure 1. This temporary solution needs to be 4 F series Supplement 3 (09/2016) further considered, including a new financial service support, huge transactions, macro-payment, real-time payment and tax, inte
45、rnational roaming, better security, easier to regulate, etc. Figure 1 Provision of current services in Telecom Finance From the point of view of business, current services in the Telecom Finance field are just starting as there is not yet a large-scale business. Although there are a number of strate
46、gic cooperations between telecom and finance, each side does not really enter deeply into the other field. The idea of co-innovation across telecom and finance is not strong, so the win-win large-scale business model is not yet present. The current functions in the Telecom Finance field are at a ver
47、y initial phase. Some limited features like mobile payment, mobile banking, handset wallet and limited e-money are available in some special areas such as mobile money. However, this is very positive for the development of Telecom Finance and very helpful to promote the future market and industry. A
48、s for technology in Telecom Finance, some technologies for the identification network are appearing, but these are not yet used in the Telecom Finance field. Currently, technology of Telecom Finance is to some degree empty and needs to be further developed. As for standardization in these fields, so
49、me standards development organizations (SDOs) are developing standards focusing on specific topics such as mobile payment and mobile money. In one word, the ecosystem of Telecom Finance is, for time being, very basic and at an initial phase of development. However, Telecom Finance will allow more people to access financial services in the future. 8 Basic objectives The following are the major objectives for Telecom Finance: to provide basic financial services or activities to provid
