The jPOS Common Message Format specification is getting an update. CMF v3 is still a work in progress, but an early-access draft is available at jpos.org/doc/jPOS-CMFv3.pdf for anyone who wants to follow along. The most significant addition in v3 is first-class support for the ISO 8583 dataset model—and that's what this post is about.
PCI DSS version 4.0.1 was published on June 11, 2024. That's less than two years ago. It already feels like a different industry.
In that time, AI agents have gone from research curiosity to production infrastructure. The Model Context Protocol gave language models a standard way to call tools. Autonomous agents that read messages, query databases, push commits, and manage tasks are now deployed in organizations running payment systems.
The standard has nothing to say about any of this.