ISO 37165:2020
Smart community infrastructures — Guidance on smart transportation with the use of digitally processed payment (d-payment)

Standard No.

ISO 37165:2020

Release Date

2020

Published By

International Organization for Standardization (ISO)

Latest

ISO 37165:2020

Introduction

Analysis of the core framework of the standard

ISO 37165:2020 establishes a complete standardization framework for the transportation payment system in the smart community infrastructure, focusing on the implementation specifications of key technical components such as digital wallet and transaction security module. The standard systematically defines the application paradigm of digital payment in transportation scenarios through 7 core chapters.

Pain points of traditional payment	d-payment solution	Efficiency improvement rate
High cash management cost	Fully digital transaction process	Operation cost reduced by 37%
Inconvenient cross-border payment	Reserve currency linkage mechanism	International passenger satisfaction increased by 82%
Slow transaction speed	200ms fast authentication technology	Traffic efficiency increased by 5.8 times

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Key technology implementation path

4.2 Core capabilities of digital payment

The standard explicitly requires the use of a decentralized end-to-end transaction model, which is implemented through public key cryptography:

• Temporary key pair generation mechanism (valid for one time)
• Two-factor matching verification field
• Transaction verification completed within 350ms (required for Chinese public transportation scenarios)

Kyoto Case Study

The Kyoto case in Japan cited in the standard shows that the lack of an international payment interface leads to:
- The payment delay rate for foreign tourists reached 42%
- The transaction failure rate for local merchants increased by 23%
After the implementation of d-payment, the cross-border transaction success rate increased to 98.7%

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Security Architecture Design Specifications

Chapter 7 details the three-level security protection system:

1. Wallet layer: Using ECC elliptic curve encryption algorithm
2. Communication layer: Support NFC/Bluetooth offline transaction encryption
3. Data layer: Requirements for the construction of a big data anti-fraud analysis center

Security Threats	Standard Countermeasures	Detection Accuracy
Double Spending Attack	Timestamp + Transaction Hash Chain	99.99%
Man-in-the-middle Attack	Temporary Key Pair Mechanism	100%

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Implementation Recommendations

10.2 Key Performance Indicators

The standard recommends monitoring 6 core indicators:

• Payment selection rate (benchmark value ≥ 65%)
• Time for a single transaction (target ≤ 400ms)
• Number of verification steps (recommended ≤ 3 steps)
• Requirements for connection with ISO 37122 smart city indicators

Phase-based implementation strategy

1. Pilot phase: Prioritize deployment in bus/subway scenarios
2. Expansion phase: Integrate parking/shared bicycle systems
3. Ecological phase: Connect with urban service payment platforms