RE: Free ISO 20022 std. was: NGMTP Class 9 Questions & Answers

Anders,

I am also an ISO 20022 representative on W3C payments activities. Kris is absolutely right. Whilst the ISO 20022 standard itself, which defines the methodology of developing ISO 20022 messages and artefacts, is chargeable as this is under the IPR of ISO, the messages and artefacts themselves are in fact free of charge, openly accessible and under no royalty restrictions. The ISO 20022 standard itself just describes this methodology, however iso20022.org publishes the rich source of data and messages that have been developed over the years using that methodology e.g. payment initiation, cash management, payments, clearing and settlement messages. All for free!

So when a submitter of new ISO 20022 messages submits these internationally they are doing so cognisant that this opens up their development for others to use. ISO 20022 is a truly open process where these messages, even though submitted by one entity, may change over time as others use them and want to see changes from them as the industry moves on.

ISO has many standards that it produces via industry. Mobile banking – ISO 12812 – is not related to ISO 20022 and is like all ISO standards subject to ISO IPR and therefore chargeable to download, but not chargeable to use on any royalty basis.

I hope this helps in addition to Kris’ comments.

Many thanks,

Lauren Jones
Head of Standards

T: +44 (0)20 3217 8206 I   M: +44 (0)7435 963 499   I   paymentsuk.org.uk<http://www.paymentsuk.org.uk/>   I   @PaymentsUK<http://www.twitter.com/PaymentsUK>

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From: KETELS Kris [mailto:Kris.KETELS@swift.com]
Sent: 10 January 2017 15:28
To: Anders Rundgren; public-payments-wg@w3.org
Subject: RE: Free ISO 20022 std. was: NGMTP Class 9 Questions & Answers

Anders,

I think the confusion may arise around the fact that there is a difference between the specification of the ISO 20022 'standard' which is what you are referring too, and all of the standards that are produced that are compliant to that 'standard'.
I believe 99.99 % of all implementers are interested in the latter, which means the repository, the messages, the documentation, the schemas and these are all for free. The ISO 20022 Registration Authority is the only entity I know of who was interested in the actual standard, as they had to build a tool that was compliant to that standard to allow submitters to create those messages.

This distinction makes that ISO 20022 has its own website, where all standards compliant to ISO 20022 can be downloaded, for free: www.iso2002.org<http://www.iso2002.org>

Real time payments are part of ISO 20022 and can be found here: https://www.iso20022.org/payments_rtpg.page

Mobile payments is yet another ISO standard.  That  -understandably- may be confusing.

Kris
-----Original Message-----
From: Anders Rundgren [mailto:anders.rundgren.net@gmail.com]
Sent: 10 January 2017 06:48
To: KETELS Kris; public-payments-wg@w3.org<mailto:public-payments-wg@w3.org>
Subject: Free ISO 20022 std. was: NGMTP Class 9 Questions & Answers

On 2017-01-09 14:26, KETELS Kris wrote:
> All ISO 20022 standards are for free: the repository, the messages, the documentation,..... Consumers, implementations, submitters,....don't have to pay anything for any standard based of ISO 20022.

> I have no idea where this misinterpretation is coming from.

Is the ISO site not up to date?
http://www.iso.org/iso/home/store/catalogue_tc/catalogue_detail.htm?csnumber=55006
I couldn't possibly know that.

There are also ISO mobile payment standards which I couldn't find any free source of.

Anyway, my request is not limited to 20022 but to the entire catalog of IT standards.
The same apply to X9 and CEN standards.

The DRM arrangement used in the Web Payment IG seems like a very awkward way of dealing with copyrighted standards:
https://lists.w3.org/Archives/Public/public-webpayments-ig/2015Jul/0225.html

Anders


>
> Regards
> Kris
>
> -----Original Message-----
> From: Anders Rundgren [mailto:anders.rundgren.net@gmail.com]
> Sent: 08 January 2017 06:55
> To: Anton Tveretin; public-payments-wg@w3.org<mailto:public-payments-wg@w3.org>
> Subject: Re: NGMTP Class 9 Questions & Answers
>
> On 2017-01-07 22:34, Anton Tveretin wrote:
>> Hello All,
>> I have published a small memo for the format of payment documents. This is not the actual specification.
>> Direct URL: http://www.fit-rulez.narod.ru/ngmtp/ngmtp_c9_qa.html
>> In the past, both work groups showed interest in these.
>
> Interesting notes about the ISO standards :-)
>
> May, I add another comment regarding ISO standards?
> The concept of copy-righted paid-for standards is incompatible with the [software] world of today.
> That you can get some parts for free, is just a lame excuse for defending a dated system.
>
> Anders
>
>> Regards,
>> Anton
>>
>
>



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