Best Practices and Guidelines for Mobile Financial Services.Image.Marked文档.pdfVIP

Best Practices and Guidelines for Mobile Financial Services Version 01.14.2009 Effective Date: January 28, 2009 TABLE OF CONTENTS Section 1 - Purpose 1 Section 2 - Applicability 1 Section 3 – Guidelines 2 A. Guidelines Specific to Mobile Banking and Mobile Payments 2 1. Authentication and Authorization 2 2. Banking and Payment Alerts; Transaction Records 2 3. Limiting Liability for Unauthorized Transactions 3 B. Guidelines Specific to Mobile Commerce 3 1. Disclosure of Material Terms of Purchase 3 2. Obtaining User Authorization 3 3. Receipts, Order Status and Account Information 3 4. Mobile Coupons, Rebates, Loyalty Programs, etc. 3 5. Minors 4 C. General Guidelines 4 1. Disclosure of Terms; Disclaimers 4 2. Consent to Enrollment in MFS 4 3. Compliance with Laws and Regulations 4 4. Security of Data Transmissions 5 5. Security on the Mobile Device or in Storage 5 6. Access Controls and Security of Sensitive Information 5 7. Fraud and Identity Theft Protection 6 8. Collection, Use, and Disclosure of Information 6 9. Dispute Resolution Processes and Customer Service 6 Industry Guidelines for MFS Providers i Section 1 - Purpose Mobile financial services (“MFS”), such as mobile banking, mobile payments and