Overview
ISO 37165:2020 provides guidance for organizing and implementing smart transportation systems that use digitally processed payment (d-payment). The standard explains how d-payment and digital wallets can be applied across transportation services (local, regional and international) to deliver safe, convenient, traceable and efficient fare collection while not replacing cash outright. It emphasizes interoperability for inter-operator, city, regional and national ticketing networks and the potential for trading services independent of local currencies.
Key topics and technical requirements
- Concept and capability of d-payment: Defines digitally processed payment and the role of a d-payment wallet, highlighting non-centralized, end-to-end transactions and both online and offline modes.
- Security: Focus on wallet security and use of public-key cryptography, tamper-free and non-repudiable transactions, and measures to protect operators and customers.
- Operational models: Guidance on operation, management and quality maintenance of d-payment systems in transport environments.
- System components: Recommended trusted infrastructure elements, including:
- credible service management modules
- transaction communication modules
- terminal application modules
- registration centres and big data analysis centres
- Performance and monitoring: Parameters for quality maintenance and operational traceability to reduce fraud and improve settlement.
- Social and economic aims: Alignment with UN Sustainable Development Goals (e.g., sustainable cities, innovation, reduced inequalities).
Practical applications
ISO 37165 is intended to guide practical deployment of d-payment across:
- Public transit ticketing (buses, trams, ferries, metros)
- Inter-operator and multi-modal fare systems
- Airport, rail and cross-border transportation payment scenarios
- Ancillary services (parking, station retail, on-board purchases)
Benefits include faster boarding, lower cash-handling costs, improved reconciliation and secure settlements between operators, banks and settlement organizations. D-payment particularly improves accessibility for users who struggle with cash (children, elderly, people with disabilities) and eases payment for international visitors.
Who should use this standard
- City planners and smart-city program managers
- Public transport operators and ticketing system vendors
- Payment system architects, fintech and wallet providers
- Banks, clearing/settlement organizations and regulators
- Procurement teams and technology integrators in mobility services
Related standards
ISO 37165 references applicability to transport services described in other ISO smart community standards (for example ISO 37154 and ISO 37157–37163 series). There are no normative references in ISO 37165:2020.
Keywords: ISO 37165, smart transportation, d-payment, digitally processed payment, digital wallet, payment security, public-key cryptography, transit ticketing, smart city.