GB/T 41460-2022Technical requirements for payment service facilities of non-bank payment institutions (English PDF)
非银行支付机构支付业务设施技术要求
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Issued by
SAMR; SAC
Level / Type
National · Recommended
Issue date
April 15, 2022
Implementation date
November 1, 2022
Scope
GB/T 41460-2022 is the English-translated version of 非银行支付机构支付业务设施技术要求.
GB/T 41460-2022 sets the technical requirements for the payment service facilities of non-bank payment institutions. It fixes the functional and management requirements, the requirements on risk monitoring and anti-money laundering, the performance requirements and the security requirements of those facilities.
It applies to the internet payment business and the bank card acquiring business of non-bank payment institutions in China. Payment institutions, their technology suppliers and the regulators that supervise them use it. Issued on 15 April 2022, it has applied since 1 November 2022.
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Document preview — GB/T 41460-2022
National Standard of the People's Republic of China
- ICS
- 03.060
- Classification
- A 11
Issued by: State Administration for Market Regulation; Standardization Administration of the PRC
Contents
- Preface
- 1 Scope
- 2 Normative references
- 3 Terms and Definitions
- 4 Abbreviations
- 5 Functional requirements and management requirements
- 6 Risk monitoring and anti-money laundering requirements
- 7 Performance Requirements
- 8 Security Requirements
- Reference
Foreword
This document is in accordance with the provisions of GB/T 1.1-2020 "Guidelines for Standardization Work Part 1: Structure and Drafting Rules of Standardization Documents" drafted.
1 Scope
This document specifies the functional requirements and management requirements, risk monitoring and anti-money laundering requirements, performance requirements of payment business facilities of non-bank payment institutions requirements and security requirements.
This document is applicable to the Internet payment business and bank cards of the payment business facilities of non-bank payment institutions within the territory of the People's Republic of China Acquiring business.
2 Normative references
The contents of the following documents constitute essential provisions of this document through normative references in the text. Among them, dated citations documents, only the version corresponding to that date applies to this document; for undated references, the latest edition (including all amendments) applies to this document.
GB/T 32905 Information Security Technology SM3 Cryptographic Hash Algorithm
GB/T 32907 Information Security Technology SM4 Block Cipher Algorithm
GB/T 32918 (all parts) Information Security Technology SM2 Elliptic Curve Public Key Cryptographic Algorithm
GB/T 39786-2021 Basic requirements for cryptographic applications of information security technology information systems
JR/T 0025.7-2018 China Financial Integrated Circuit (IC) Card Specification Part 7: Debit/Credit Application Security Specification
3 Terms and Definitions
The following terms and definitions apply to this document.
3.1 Payment service facilities
Payment business processing systems, network communication systems and special computer rooms for the above systems of non-bank payment institutions.
3.2 Mobile terminal
Terminal equipment with mobile communication capabilities.
Note: Mobile terminals include mobile phones, PDAs, etc., and mainly refer to mobile phones in this document.
3.3 Internet payment
A payment method that relies on the Internet to realize the transfer of monetary funds between the payee and the payer.
3.4 Bankcardacceptance
The acquirer signs a bank card acceptance agreement with the special merchant. After the special merchant accepts the bank card according to the agreement and concludes the transaction with the cardholder, The act of providing transaction fund settlement services for special merchants.
3.5 Barcodepayment
Using barcode as the information carrier, directly or indirectly obtain payment elements through mobile terminals or acceptance terminals, and use existing payment channels to complete the process.
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This preview omits tables, figures, formulas and parts of the technical clauses. The complete document — 37 pages — is available in the English PDF.
Referenced standards
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Related Standards
GB/T 32905-2016 — Information security techniques - SM3 cryptographic hash algorithm
GB/T 32907-2016 — Information security technology - SM4 block cipher algorithm
GB/T 32918.1-2016 — Information security technology - Public key cryptographic algorithm SM2 based on elliptic curves - Part 1: General
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