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A
Glossary
Annex I -
262
Worldline
2016 Registration Document
“CRM”/ “customer relationship
management”
Management of the customer relationship.
“cross-channel”/“omni-channel”
Adoption of new behavior by customers who change channels during their
decision-making process, where previously they were required to perform all of the steps
in the process (identification of a need, search for information, evaluation of the
alternatives, selection, post-purchase evaluation) through the only channel available.
“cryptographic accelerator”
Electronic device that increases the speed of encryption operations on payment
terminals.
“data center”
(central computers, servers, storage facilities, network and telecommunications
equipment, etc.).
Physical site used to house the equipment comprising a business’ information system
“data mining”
techniques.
Analysis of data with a view to deriving knowledge and understanding from vast
amounts of data by means of a variety of automatic and semi-automatic methods and
“DCC”/“dynamic currency conversion”
Financial service in which holders of credit cards have the cost of a transaction
converted to their local currency when making a payment in a foreign currency.
“e/m Payment”
e-Payment or m-Payment.
“e-Banking” or “online banking”
Refers to Internet banks offering their customers remote banking services, without using
tellers or physical branches for carrying out their transactions.
“e-Commerce”
The sale or purchase of goods or services by a business, an individual, a governmental
authority or any other public or private organization, carried out through a computer
network.
“e-Consumer”
A consumer who carries out transactions using digital technologies.
“e-Government”
The use of digital technologies (often by Internet) to provide government services.
“electronic wallet”/“e-Wallet”
cards).
and user-friendly access to several payment solutions (for example, credit cards or debit
A device for storing currency without any need for a bank account, and for making direct
online payments through a payment terminal. By extension, a device permitting unique
“EMV”
be certified pursuant to the procedures required by EMV Co, the supervisory body for
the EMV standard.
Europay – MasterCard – Visa. International standard governing payment cards with
chips as well as the performance of payment terminals. EMV cards and terminals must
“encryption”
data to ensure its confidentiality, integrity and/or authentication, for example.
Application of mathematical theory to create techniques and algorithms to be applied to
“e-Payment”
the Internet.
Means of performing commercial transactions for the exchange of goods or services on
“e-Ticketing”
Electronic system enabling the issuance, verification and payment of tickets, in particular
in the area of public transportation.
“HCE”/“host card emulation”
Virtual representation of a physical smart card using software on a mobile telephone.
“HSM/hardware security module”
Electronic equipment providing security services consisting of the generation, storage
and protection of encryption keys.
“Interchange fees”
for a customer’s payment to a merchant.
The amount that the acquiring bank (the merchant’s counterparty) must pay to the
issuing bank (the bank that issued the card to the cardholder) each time the card is used
“IoE”
Internet of Everything. Connection of people, systems and objects by computer network.
“issuer”/“issuing bank”
Financial institution (or similar) that issues a card to a cardholder.
“issuing processing”
sub-contracted to a specialized company.
Set of technical operations performed to carry out the issuer’s activity, which may be
“issuing”
Issuance of means of payment such as credit cards, debit cards and pre-paid cards.
“ITSO”
Integrated Transport Smartcard Organization.
“kiosk”
An interactive terminal.
“licensed payment institution”
Legal entity authorized pursuant to the Payment Services Directive to provide payment
services.
“M2M”/“machine to machine”
Technology allowing for communications between machines without human intervention.