CEN/TR 16092:2011
(Main)Electronic fee collection - Requirements for pre-payment systems
Electronic fee collection - Requirements for pre-payment systems
This technical report (TR) analyses requirements for a universal Pre-Pay account system for EFC including the following issues:
- relations to other existing standards in this domain;
- the core requirements and functionality that must be provided.
This technical report will show an analysis of the requirements for a universal prepay system and categorise possible different types of pre-pay solutions, in terms of functionality, technical and legal considerations. As far as legal requirements are concerned it will be clarified whether the pre-payment means fall within the scope of European Directive 2000/46/EC on the taking up, pursuit of and prudential supervision of the business of electronic money institutions and whether the medium-issuing organisation has to act as a financial institution and falls within the scope of the Payment Service Directive 2007/64/EC. The latter applying exactly to payment activities undertaken by entities but do not require a full bank license.
The technical report will describe the current state-of-affairs of EFC pre-payment systems, including the demand for standards and inventory of provisions provided by standards. It will identify and prioritize gaps in terms of standards or other enablers needed in order for the market to provide viable pre-payment solutions in a European context.
There are two general approaches to represent the content of the TR:
a) allocate each requirement under each pre-pay solution;
b) allocate each pre-pay solution under each requirement.
To achieve a better understanding and readability alternative a) has been decided (this refers to Clause 8 and Clause 9 only).
The TR does not give any decision on how or whether one of the pre-payment solutions described is commercially feasible to be considered as an implementable offer to the Service User. The return for invest for any TSP regarding the system architecture requirements and other obligations (refunding of SU) is questionable.
Elektronische Gebührenerfassung - Anforderungen für Systeme zur Vorauszahlung
Perception de télépéage - Exigences relatives aux systèmes de pré-paiement
Elektronsko pobiranje pristojbin - Zahteve za predplačilne sisteme
Trenutna razprava o načinu plačila v okolju elektronskega pobiranja pristojbin temelji na obstoju poplačilne pogodbe med ponudnikom storitve pobiranja pristojbin (TSP) in uporabnikom storitve (SU). Nujni pogoji takega pogodbenega dogovora so:
- zadostna kreditna sposobnost SU in
- obstoj bančnega računa pri SU.
Vprašanja se pojavljajo v okviru dostopa do sistema EFC za:
- SU, ki niso sposobni doseči zgoraj navedenih nujnih pogojev;
- občasni SU (predvsem iz zasebnega sektorja);
- ki nočejo odpreti bančnega računa;
- ki ne morejo odpreti bančnega računa (zaradi katerega koli razloga) in jim zato ni dovoljeno sodelovati.
Za izpolnitev zahtev teh strank je treba vzpostaviti enega ali več primernih načinov predplačil, da EFC dodeli interoperabilnost:
- shranjene vrednosti elektronskega medija;
- shranjene vrednosti osrednjega računa;
Kar se tiče zasebnih uporabnikov, bi lahko zakonodaja zahtevala anonimen način plačevanja, ker nihče ne more biti prisiljen odpreti bančnega računa. Pred določevanjem potrebnih standardov na tem področju je treba oceniti zmožnost komunikacije univerzalnega predplačilnega sistema z OBU, še posebno glede veljavnosti in izvedljivosti za zasebne uporabnike.
To tehnično poročilo opisuje in kategorizira različne predplačilne rešitve, glede na funkcionalnost, tehnične in pravne lastnosti. Kar se tiče pravnih zahtev, pojasnjuje, ali načini predplačila spadajo na področje uporabe Direktive 2000/46/ES o začetku opravljanja in o opravljanju dejavnosti ter nadzoru skrbnega in varnega poslovanja institucij za izdajo elektronskega denarja in ali mora organizacija, ki izdaja medije, delovati kot finančna ustanova.
Tehnično poročilo opisuje trenutno dejansko stanje predplačilnih sistemov EFC, vključno s povpraševanjem po standardih in seznamom določb, ki jih predpisujejo standardi. Prepoznava in prednostno določa vrzeli standardov ali drugih potrebnih sredstev.
General Information
Standards Content (Sample)
SLOVENSKI STANDARD
01-maj-2011
(OHNWURQVNRSRELUDQMHSULVWRMELQ=DKWHYH]DSUHGSODþLOQHVLVWHPH
Electronic fee collection - Requirements for pre-payment systems
Elektronische Gebührenerfassung - Anforderungen für Systeme zur Vorauszahlung
Perception de télépéage - Exigences sur les systèmes de pré-paiement
Ta slovenski standard je istoveten z: CEN/TR 16092:2011
ICS:
03.220.20 Cestni transport Road transport
35.240.60 Uporabniške rešitve IT v IT applications in transport
transportu in trgovini and trade
2003-01.Slovenski inštitut za standardizacijo. Razmnoževanje celote ali delov tega standarda ni dovoljeno.
TECHNICAL REPORT
CEN/TR 16092
RAPPORT TECHNIQUE
TECHNISCHER BERICHT
March 2011
ICS 03.220.20; 35.240.60
English Version
Electronic fee collection - Requirements for pre-payment
systems
Perception de télépéage - Exigences relatives aux Elektronische Gebührenerfassung - Anforderungen für
systèmes de pré-paiement Systeme zur Vorauszahlung
This Technical Report was approved by CEN on 16 August 2010. It has been drawn up by the Technical Committee CEN/TC 278.
CEN members are the national standards bodies of Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia,
Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland,
Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland and United Kingdom.
EUROPEAN COMMITTEE FOR STANDARDIZATION
COMITÉ EUROPÉEN DE NORMALISATION
EUROPÄISCHES KOMITEE FÜR NORMUNG
Management Centre: Avenue Marnix 17, B-1000 Brussels
© 2011 CEN All rights of exploitation in any form and by any means reserved Ref. No. CEN/TR 16092:2011: E
worldwide for CEN national Members.
Contents Page
Foreword . 4
Introduction . 5
1 Scope . 6
2 Normative references . 6
3 Terms and definitions . 7
4 Abbreviations . 9
5 Interoperability Issues . 10
5.1 Interoperability based on EFC Roles Model . 10
5.2 Interoperability and Payment . 11
6 Classification of Pre-Pay solutions . 11
6.1 Pre-Pay Account held in Central System . 11
6.2 Pre-Pay Account held on OBE . 12
7 Requirements for Pre-Pay account held in Central Systems . 13
7.1 General . 13
7.2 Business Process Requirements . 13
7.2.1 General . 13
7.2.2 Issuing of an EFC contract to the Service User . 13
7.2.3 Personalisation of OBE . 15
7.2.4 Loading of value onto an account . 15
7.2.5 Charging of Toll . 17
7.2.6 Invoicing of the Service User . 17
7.2.7 Refund of residual amount . 17
7.2.8 Clearing of Transactions . 18
7.2.9 Handling of Complaints . 18
7.2.10 Security Considerations . 18
7.3 Technical Requirements . 18
7.3.1 Requirements for OBE . 18
7.3.2 Requirements for POS Networks . 18
7.3.3 Requirements for Information and Payment Flow (Interfaces) . 19
7.4 Legal and Functional Constraints . 19
7.4.1 Legal Considerations . 19
7.4.2 Functional Constraints . 21
8 Requirements for Pre-Pay account held on OBE . 22
8.1 Prerequisites . 22
8.2 Business Process Requirements . 22
8.2.1 Issuing of the Pre-Pay mode . 22
8.2.2 Personalisation of OBE . 22
8.2.3 Loading of stored value onto a VBD . 23
8.2.4 Loading of stored value into the OBE . 23
8.2.5 Charging of the toll . 24
8.2.6 Clearing of transactions . 26
8.2.7 Hotlisting / Enforcement . 27
8.2.8 Invoicing of the Service User . 27
8.2.9 Refund of residual amount . 28
8.2.10 Proof of Transactions . 28
8.2.11 Handling of Complaints . 28
8.2.12 Security Considerations . 28
8.3 Technical Requirements . 29
8.3.1 Requirements for Value Unit bearing User Media . 29
8.3.2 Requirements for OBE . 30
8.3.3 Requirements for POS Networks . 31
8.3.4 Requirements for Information and Payment Flow (Interfaces) . 31
8.4 Legal and Functional Constraints . 31
8.4.1 Legal Considerations . 31
8.4.2 Functional constraints . 33
9 Invoicing of the Service User . 34
9.1 General . 34
9.2 VAT considerations . 34
9.3 Business model considerations . 35
9.4 Invoice considerations . 35
10 Gaps in terms of Standards and recommendations . 37
10.1 Pre-Pay Account held in Central System . 37
10.2 Pre-Pay Account held on OBE . 37
10.3 Recommendation for next steps . 37
Annex A (informative) Examples of implementations . 38
Bibliography . 40
Foreword
This document (CEN/TR 16092:2011) has been prepared by Technical Committee CEN/TC 278 “Road Transport
and Traffic Telematics”, the secretariat of which is held by NEN.
Attention is drawn to the possibility that some of the elements of this document may be the subject of patent rights.
CEN [and/or CENELEC] shall not be held responsible for identifying any or all such patent rights.
This document has been prepared under a mandate given to CEN by the European Commission and the
European Free Trade Association.
Introduction
The discussion on payment-modes within the environment of electronic fee collection at present is based on the
existence of a post-payment contract between the Toll Service Provider (TSP) and the Service User (SU).
Pre-conditions of such a contractual agreement are
sufficient creditworthiness of the SU, and
existence of a bank account with the SU.
Questions arise in the context of the access to an EFC system for
SUs not being able to meet the aforementioned pre-conditions;
SUs with occasional needs to use an EFC system (mainly from the private sector)
not willing to open a bank account;
not able to open a bank account (by reasons what so ever) and therefore not allowed to participate;
from countries with limited access to the card market to participate in an interoperable EFC system, which
may otherwise not be open to them.
To meet the requirements of this clientele, one or more suitable ways of pre-payments have to be established for
EFC to grant interoperability:
stored value on an electronic medium;
stored value in a central account.
As far as private users are concerned legislation could ask for anonymous payment modes as nobody can be
forced to open or communicate a bank account. On the other hand such payment modes help Toll Service
Providers to offer an interoperable EFC service to customers with a limited monetary risk.
Before defining necessary standards in that field the requirements of a universal Pre-Payment system able to
communicate with the OBE have to be evaluated, especially with regard to validity and feasibility for private users.
1 Scope
This technical report (TR) analyses requirements for a universal Pre-Pay account system for EFC including the
following issues:
relations to other existing standards in this domain;
the core requirements and functionality that must be provided.
This technical report will show an analysis of the requirements for a universal prepay system and categorise
possible diff
...
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