ISO/TR 14904:1997

Road transport and traffic telematics — Automatic fee collection (AFC) — Interface specification for clearing between operators

La présente prénorme définit les interfaces permettant la compensation entre exploitants et elle donne un plan type pour la structure des messages communs et des données à utiliser sur les interfaces. Elle a pour objectif de permettre le transfert des paiements et des données concernant le recouvrement automatique des droits (AFC) 1) entre différents systèmes de paiement d'une part, et entre des exploitants différents d'autre part, comme des agents collecteurs, des opérateurs de compensation ou des prestataires de services de transport publics et privés. La présente prénorme peut s'appliquer à : a) différents modes de paiement (par exemple pré-paiement, post-paiement) ; b) une grande variété de services de transport et de services liés au transport (péage, stationnement, ferry/pont/tunnel, transport public, paiement pour guidage routier, etc.) ; c) des services d'exploitants (coordination entre des collecteurs d'argent et des points de paiement, etc.) ; d) la sécurité et la confidentialité. Il n'est pas dans l'objet de la présente prénorme de définir des procédures administratives et des structures organisationnelles. La spécification d'un système de paiement interopérable à une plus grande échelle (paneuropéenne par exemple) est en dehors du domaine d'application de la présente prénorme. Dans la présente prénorme ne sont pas décrits les participants indirects (extérieurs) comme les autorités promulguant la législation générale ou particulière relative au systè 269me de paiement et autres règlements nationaux. Les modèles présentés dans la présente prénorme sont génériques. Des systèmes simples (systèmes fermés) peuvent être conçus en sélectionnant des sous-ensembles du plan type d'interface défini ici.

Transport routier et télématique du trafic — Prélèvement automatique de frais (AFC) — Spécification d'interface pour clarification entre opérateurs

General Information

• Status: Withdrawn
• Publication Date: 14-May-1997
• Withdrawal Date: 14-May-1997
• ICS: 03.220.20 - Road transport
• ICS: 35.240.60 - IT applications in transport
• Technical Committee: ISO/TC 204 - Intelligent transport systems
• Drafting Committee: ISO/TC 204/WG 5 - Fee and toll collection
• Current Stage: 9599 - Withdrawal of International Standard
• Completion Date: 06-Dec-2002

Relations

• Revised: ISO/TS 14904:2002 - Road transport and traffic telematics — Electronic fee collection (EFC) — Interface specification for clearing between operators
• Effective Date: 15-Apr-2008
• Consolidates: ISO 7297:1985 - Information processing — Magnetic disk for data storage devices — 96 000 flux transitions per track, 200 mm (7.9 in) outer diameter, 63,5 mm (2.5 in) inner diameter
• Effective Date: 06-Jun-2022

Standards Content (Sample)

TECHNICAL
REPORT
First edition
1997-05- 15
Road transport and traffic telematics -
Automatic fee collection (AFC) - Interface
specification for clearing between
operators
Transport routier et télématique du trafic - Prélèvement automatique de
frais (AFC) - Spécification d’interface pour clarification entre opérateurs
Reference number
ISO/TR 14904: 1997(E)

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ISOmR 14904: 1997(E)
Foreword
ISO (the International Organisation 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 interested in a subject for which
a technical committee has been established has the right to be represented
on that committee. International organizations, governmental or non-
governmental, in liaison with ISO, also take part in the work. ISO
collaborates closely with the International Electrotechnical Commission
(IEC) on all matters of electrotechnical standardization.
The main task of technical committees is to prepare International
Standards. In exceptional circumstances a technical committee may
propose the publication of a Technical Report of one of the following types:
- type 1, when the required support cannot be obtained for the
publication of an International Standard, despite repeated efforts;
- type 2, when the subject is still under technical development or where
for any other reason there is the future but not immediate possibility
of an agreement on an International Standard;
- type 3, when a technical committee has collected data of a different
kind from that which is normally published as an International
Standard (“state of the art”, for example).
Technical Reports of types 1 and 2 are subject to review within three years
of publication, to decide whether they cari be transformed into International
Standards. Technical Reports of type 3 do not necessarily have to be
reviewed until the data they provide are considered to be no longer valid or
useful.
ISO/rR 14904, which is a Technical Report of type 2, was prepared by the
European Committee for Standardization (CEN) in collaboration with ISO
Technical Committee ISO/TC 204, Transport information and control
systems, in accordance with the Agreement on technical cooperation
between ISO and CEN (Vienna Agreement).
0 ISO 1997
All rights reserved. Unless otherwise specified, no part of this publication may be reproduced
or utilized in any form or by any means, electronic or mechanical, including photocopying and
microfilm, without permission in writing from the publisher.
International Organization for Standardization
Case postale 56 l CH-121 1 Genève 20 l Switzerland
Internet central @ iso.ch
c=ch; a=400net; p=iso; o=isocs; s=central
x.400
Printed in Switzerland
II

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0 ISO ISBITR 14904: 1997(E)
This document is being issued in the Technical Report (type 2) series of
publications (according to subclause G.3.2.2 of part 1 of the ISO/IEC
Directives, 1995) as a “prospective standard for provisional application” in
the field of transport information and control systems because there is an
urgent need for guidance on how standards in this field should be used to
meet an identified need.
This document is not to be regarded as an “International Standard”. It is
proposed for provisional application SO that information and experience of
its use in practice may be gathered. Comments on the content of this
document should be sent to the ISO/TC 204 Secretariat.
A review of this Technical Report (type 2) Will be carried out not later than
three years after its publication with the options of: extention for another
three years; conversion into a International Standard; or withdrawal.
Annexes A and ZA form an integral part of this Technical Report. Annexes
B to E are for information only.

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ISO/TR 14904:1997(E)
Contents
1. FOREWORD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .~. vi
2. INTRODUCTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .~. vi
1
3. SCOPE .*.
4. NORMATIVE REFERENCES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .“. 2
5. DEFINITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
5.1. APPORTIONMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
3
5.2. CHAINED SERVICES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
5.3. CLEARING . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5.4. CLEARING OPERATOR . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
t
5.5. COLLECTION AGENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
:
3
5 .O. CONTRACT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
5.7. (INTERSECTOR) ELECTRONIC PURSE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 3
5.8. INTEGRATED PA~MENT SYSTEMS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
3
5.9. ~SUER . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5.10. OPERATOR . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
5.11. PA~MENT MEANS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
4
5.12. PA~MENT METHOD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .~.
4
5.13. PA~MENT MODE . . . . . . . . . . . . . . .*.*.
5.14. PA~MENT SCOPE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
4
5.15. PA~MENT SYSTEM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4
5.16. SERVICE PROVIDER . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5.17. SETTLEMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
4
5.18. USER . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
6. BASIC INTERFACES FOR CLEARING BETWEEN OPERATORS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
. . . . . . . . . . . . . . . . . . .*.*.*. 6
7. INTERFACE FRAMEWORK
6
7.1. INTRODUCTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
6
7.2. SUMMARY OF MESSAGE STRUCI’URE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .*.*. 6
7.3. MESSAGE HEADER
6
7.4. MESSAGE FRAME . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
7
7.4.1. Message class. . . . . . . . . . . . . . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
7
7.4.2. Message type . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10
7.4.3. /dent@ of the sender .
10
7.4.4. Identity of the receiver .
Message iden @fier 10
7.4.5. .
10
7.4.6. Message Body .
11
7.5. SECURITY DATA .
12
8. METHOD OF DESCRIPTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
13
9. MESSAGE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
14
~.
10. AFCRELATED-PDU - LOCALLYSECUREDAFCDATA
14
10.1. MESSAGECLASS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
14
10.2. MESSAGETYPE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
15
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10.3. SENDERANDRECEIVERID
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
10.3.1. EntitylD . . . . . . . . . . . . . . . . . . . . . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
I0.3.2. CENTC224WGlLID . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
iv

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ISO/TR 14904: 1997(E)
0 ISO
10.3.3. lS09.594. . . . .*.*. . . . . . . . . . . . .-. 16
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .- . . . . . . . . 16
10.3.4. CENTC278WG12-ID
10.4. MESSAGEID . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .*. 16
10.5. MESSAGEBODY . . . . . . . . . . . . . . . . . . . . . . . . . . . .~. 17
. . . . . . . . . . . . . . . . . .O.~.*.~.~.*.*.*.*.~.~. 17
11. ERRORCODE
12. REPORTSENT . . . . . .C.*.~.~.~.~. 18
13. STATUSLIST . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .~.~. 19
13.1. STATUSLISTTYPE .~.,.,. 19
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
13 2. STATUSLISTOPERATION
13.3. STATUSLISTORJECT . . . . . .~. 20
14. PAYMENT . .~.~.~.~.~.~. 22
14.1. SIMPLEACCOUNTPAYMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .~. 22
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
14.2. BANKCARDPAYMENT 23
14.3. WG9PAYMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .~. 23
14.4. WG 1 OPAYMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
14.5. WGI ~PA~MENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
15. PT03 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .~.~. 24
ANNEX A (NORMATIVE): OBJECT IDENTIFIERS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
ANNEX B (INFORMATIVE): CONCEPTUAL MODEL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .~. 26
ANNEX C (INFORMATIVE): RELATION BETWEEN CONCEPTUAL MODEL AND
ORGANISATIONAL MODELS . . . . . . . . . . .~.~.~. 29
ANNEX D (INFORMATIVE): PAYMENT OBJECTS BASED ON DATA ELEMENTS DEFINED IN
. . . . . . . . . . . . . . .*.*.*.
KS08583 33
ANNEX E (INFORMATIVE): BIBLIOGRAPHY . . . . . . . . . . . . . . . . . . . . . . . . . . . .~. 35
V

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ISO/TR 14904: 1997(E)
1 . Foreword
The text of ENV ISO 14904: 1997 has been prepared by Technical Committee CEN/TC 278 “Road transport
and traffic telematics”, the secretariat of which is heid by NNI, in collaboration with Technical Committee
ISO/TC 204 “Transport information and control systems”.
This Prestandard is prepared under the authority of CEN/TC 278 “Road transport and traffic telematics“ by
a project team (PTl) set up by CEN/TC 278 and consisting of a group of experts from the financial and
transport sectors.
The Prestandard references standards made by other project teams and working groups under CEN/TC 224,
ISO/TC 204 as well as existing standards made by ISO.
According to the CEN/CENELEC Interna1 Regulations, the national standards organizations of the
following countries are bound to implement this European Standard: Austria, Belgium, Czech Republic,
Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Netherlands, Norway,
Portugal, Spain, Sweden, Switzerland and the United Kingdom.
NOTE: Normative references to Internationa Standards are listed in annex ZA (normative).
2 Introduction
Iniegration of payment systems concerns the :o-ordination and handling of all payment services for traffic
1 1 1 1’ 1. rpl - 1. 1 -
ana transport applications. 1 ms co-ordination mvolves:
a) the use of a common payment concept for services within or related to road traffic and transport,
b) the enabling of exchange of payment transactions and operational information between different
operators involved in public and private transport services and
c) the method of payment itself, i.e. the access to electronic payment means, for the settlement of
these acquired services.
In order to enable the integration of payment systems on a higher (e. g. pan-European) level and make
clearing between operators possible, the interfaces involved need to be standardised.
Therefore this Prestandard is designed as an interface specification enabling data to be exchanged between
different operators and systems adopting a variety of application specifications.
It should be noted that although the data structures defined in the current version of the Prestandard reflect a
focus on information transfers for clearing purposes, the interface specifïcation defined herein supports
equally well other types of information transfers required within and between payment systems.
AH amendments and additions to this Prestandard Will be handled by CEN TC 278/WGl through the use of
a database of data abjects maintained by the Workgroup.

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3 . Scope
This Prestandard defines the interfaces for clearing between operators and gives a framework of the
common message structure and data elements to be used on the interfaces. Its objective is to make the
transfer of payment and Automatic Fee Collection (AFC) related data possible both between different
payment systems and between different operators such as collection agents, clearing operators, or providers
of public and private transport services.
Th is Prestandard supports:
a) different payment modes (e.g. pre-payment, post-payment),
b) a wide variety of transport and transport related services (tolling, parking, ferry/bridge/tunneI, public
transport, payment for route guidance etc.),
c) operator services (co-ordination between collectors of money and charge points etc.),
d) security and privacy.
It is not within the scope of this Prestandard to define administrative procedures and organisational
structures. The specification of a higher (e.g. pan-European) level inter-operable payment system is outside
the scope of this Prestandard.
Not described within this Prestandard are indirect (external) participants such as authorities, enacting
general or special legislation concerning the payment system and other national regulations.
The models presented in this standard are generic. Simple systems (closed systems) cari be designed by
selecting subsets of the interface framework described herein.

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ISOTTR 14904:1997(E)
4 Normative references
This Prestandard incorporates by dated or undated reference, provisions from other publications and
standards. These normative references are cited at the appropriate places in the text and the publications are
listed hereafter. For dated references, subsequent amendments to or revisions of any of these publications or
standards apply to this Prestandard only when incorporated in it by amendment or revision. For undated
references, the latest edition of the publication referred to applies.
Identification cards - Identification of issuer - Part 1: Numbering scheme
ISO 7812-I
Identification cards - Identification of issuer - Part 2: Application and registration
ISO 7812-2
procedures
ISO 78 16-5 Identification cards - Integrated circuit cards with contacts - Registration system for
applications in IC cards
Open Systems Interconnection - Specification of
ISO 8824 Information processing systems -
Abstract Syntax Notation One (ASN. 1)
ISO 8825 Information processing systems - Open Systems Interconnection - Specification of basic
encoding rules for Abstract Syntax Notation One (ASN. 1)
Financial transaction tard originated message - Interchange message specifïcations
ISO 8583
ISO 9735 Electronic Data Interchange for Administration, Commerce and Transport (EDIFACT)
- Application level syntax rules (amended and reprinted)
9594 Information technology - The Directory
ISO

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ISO/TR 14904:1997(E)
0 iso
Definitions
5
For the purpose of this Prestandard the following definitions apply:
. . Apportionment
51
The allocation of money to transport service operators according to the consumption of the services
provided, e.g. a bus operator being paid an amount based on the number of a particular type of customer
carried.
52 Chained Services
À combination of services that result in a discount and/or access rights in one or more of the consumed
services. The discount or access rights are usually given to the User as a result of having consumed a
previous service.
53 Clearing
The operation of re-allocating value generated in the payment system(s) between the various operators in a
payment system or between payment systems. This operation reflects commercial agreements existing
between those parties. An example of such an operation is the exchange of information between Service
ProMers and an Zssuer which enables the transfer of money from the Issuer, collecting the money from the
User, to the Service Provider.
54 Clearing Operator
The’ entity that collects and possibly aggregates transactions from one or more Service Providers for delivery
to the Issuer(sJ. The Clearing Operator cari also handle the Apportionment between the Service Providers.
In the financial world this operator is equivalent to an Acquirer.
Collection agent
55
The’ entity responsible for selling, reloading or delivering the Payment Means to the User and collecting the
payment from the User. The Collection Agent cari also collect user related application specific data from the
User.
56 Contract
This is the expression of an agreement between two or more parties in a payment system or between
payment systems. An example of a contract is the specific relationship between a User and an Operator in a
payment system. The contract in this case defines the conditions under which the user may use the services
and the amount to be charged.
57 (Intersector) Electronic Purse
Àn application in an Integrated Circuit Card which stores and manipulates electronic value in a secure way
and which replaces cash for payments by the User.
58 Integrated Payment Systems
À common framework of payment methods and information exchange between operators or payment
systems that makes transfer of money from one payment system or operator to another possible
(Clearing/Appo~tionment).
59 Issuer
The entity responsible for the payment system and responsible for issuing the Payment Means to the User.
Operator
5.10.
Generic term for the entities Issuer, Clearing Operator, Collection Agent and Service Provider.
5.11. Payment Means
The expression of a Contract between the User and the huer (or via a Collection Agent) that allows the
User to access the services available in the Payment System, e.g. an account in a credit tard system or an
Electronic Purse.
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ISO/rR 14904: 1997(E)
5.12. Payment Method
A combination of a Payment Means, a Payment Mode and a Pay
...