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This part of ISO 9992 is applicable to the use of Integrated Circuit Cards issued by Financial Institutions in retail financial applications in an interchange environment. It specifically addresses :

• the functions required for financial interchange,
• the structure and types of messages between the Integrated Circuit Card (ICC) and the Card Accepting Device (CAD) to effect those functions,
• the identification and definition of data elements which may or shall be used during exchanges between the ICC and the CAD.

ISO 9992-1 establishes the concepts by which the ICC and the CAD exchange messages. This makes it necessary also to describe the logical structure of data within the ICC.

This part of ISO 9992 defines messages to support the security requirements of authentication (e.g. card authentication, CAD authentication, cardholder verification).It does not specify or recommend any method or procedure. Security techniques shall be implemented in accordance with ISO 10202.

This part of ISO 9992 is independent of the capabilities of the CAD (connectable or not, attended or unattended) and its status (on-line or off-line).

This part of ISO 9992 does not define the methodologies deployed to implement an application.

This part of ISO 9992 is based on the existence of a logical data structure and provides rules for the way data in the ICC is logically referenced by the CAD. It does not define how data is physically structured in the ICC.