Worldline - 2019 Universal Registration Document

H

APPENDIX Definitions

“Commercial processing”/“processing”

Set of technical operations performed to carry out a merchant’s payment transactions.

“CRM”/“customer relationship management” “Cross-channel”/ “omni-channel

Management of the customer relationship.

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. Electronic device that increases the speed of encryption operations on payment terminals. Physical site used to house the equipment comprising a business’s information system (central computers, servers, storage facilities, network and telecommunications equipment, etc.). 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 techniques. 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. Refers to Internet banks offering their customers remote banking services, without using tellers or physical branches for carrying out their transactions. 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. The use of digital technologies (often by Internet) to provide government services. 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 and user-friendly access to several payment solutions (for example, credit cards or debit cards). Europay - MasterCard - Visa. International standard governing payment cards with chips as well as the performance of payment terminals. EMV cards and terminals must be certified pursuant to the procedures required by EMV Co, the supervisory body for the EMV standard. Application of mathematical theory to create techniques and algorithms to be applied to data to ensure its confidentiality, integrity and/or authentication, for example. Means of performing commercial transactions for the exchange of goods or services on the Internet. Electronic system enabling the issuance, verification and payment of tickets, in particular in the area of public transportation. Virtual representation of a physical smart card using software on a mobile telephone. Electronic equipment providing security services consisting of the generation, storage and protection of encryption keys. 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 for a customer’s payment to a merchant. Internet of Everything. Connection of people, systems and objects by computer network. Clearing and settlement mechanism. e-Payment or m-Payment. A consumer who carries out transactions using digital technologies.

“Cryptographic accelerator”

“CSM”

“Data center”

“Data mining”

“DCC”/“dynamic currency conversion”

“e/m Payment”

“e-Banking” or “online banking”

“e-Commerce”

“e-Consumer” “e-Government” “electronic wallet”/“e-Wallet”

“EMV”

“Encryption”

“e-Payment” “ e-Ticketing ”

“HCE”/“host card emulation” “HSM/hardware security module” “Interchange fees”

“IoE”

“Issuer”/“issuing bank” Financial institution (or similar) that issues a card to a cardholder. “ Issuing Processing ”

Set of technical operations performed to carry out the issuer’s activity, which may be sub-contracted to a specialized company.

“Issuing”

Issuance of means of payment such as credit cards, debit cards and pre-paid cards.

“ITSO” “kiosk”

Integrated Transport Smartcard Organization.

An interactive terminal.

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Universal Registration Document 2019