References

• EMVco is owned by American Express, Mastercard and Visa, and is responsible for managing EMV standards.  The organization has a number of useful reference documents in the following categories:
• Specifications
• Best practices
• Interoperability advisories
• The SmartCard Alliiance is a non-profit group dedicated to promoting smart card usage.  There are several groups of documents available from their website:
• Financial applications
• CreditCall Communications has a website focused on their EMVx chip and PIN solutions.  They have some useful links:
• Diagram of typical EMV transaction flow (there is also a transaction flow reference at Wikipedia)
  
• Glossary of EMV terms
  

Programming references

• Smartcard Standards is a web page of links to various smart card interface standards, hosted by Cardwerk Smart Card Solutions
  

Terminology

• EMV Smart card standard based on standards set by Europay, Mastercard and Visa
  
• ICC card Integrated Circuit Chip card, another term for smart card