The SCF identifies four different domains for interoperability: Cardholder-to-terminal interface; Cards-to-terminal (EMV); Terminal-to-acquirer interface (protocols or minimum requirements); Acquirer-to-issuer interface, including network protocols (authorization and clearing). Working groups in these areas include: CIR, part of the Berlin Group, already an established EMV working group, is the key player in the card to terminal interface; Two [...]
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