Worldline - 2019 Universal Registration Document

APPENDIX Definitions

“Licensed payment institution” “M2M”/“machine to machine”

Legal entity authorized pursuant to the Payment Services Directive to provide payment services.

Technology allowing for communications between machines without human intervention.

“m-Commerce”/“mobile commerce” “m-Payment”/“mobile payment” The use of wireless technologies, more specifically mobile telephony technology, to conduct commercial transactions. Transaction carried out from a mobile telephone and charged to a credit or debit card, the operator’s invoice or an electronic wallet. Near-Field Communication. Short-range, high-frequency wireless communication technology permitting the exchange of information between devices up to a distance of approximately ten centimeters. Type of payment network developed by the banking industry in coordination with technology providers, designed specifically to meet the unique requirements of payments made by Internet. Technology based on contactless payment card usage in order to settle fares. Centralization of worldwide payment transactions with numerous local acquirers for a given merchant. Internet site permitting the acceptance of online payments and accessible through numerous other websites. Commonly refers to an organization in charge of defining and ensuring compliance with rules specific to a method of payment. Visa and MasterCard are payment schemes. Services enabling cash to be placed on or withdrawn from a payment account, as well as all the operations required for managing a payment account; execution of payment transactions; transmission of funds; Issuance of payment instruments and/or acquisition of payment orders; execution of payment transactions where the consent of the payer is given by means of a telecommunication, digital or IT device and the payment is made to the telecommunication, IT system or network operator, acting only as an intermediary between the payment service user and the supplier of the goods and services. European Directive 2007/64/CE of November 13, 2007 on payment services in the internal market. Refers to cross-channel commerce solutions. Abbreviation for petabyte, which is a multiple of the byte, a unit of storage or transmission of digital information. A petabyte (PB) is different from a petabit (Pbit): a byte is a unit of information that is defined as a multiple of a bit (one byte equals eight bits). Payment Card Industry Data Security Standard. Data security standard developed by the Payment Card Industry. Association of the principal payment schemes: Visa, MasterCard, American Express, Discover, and JCB. Computer network model similar to the client-server model but in which each client is also a server. Personal identification number. A secret code required in order to confirm a user’s identity. Terminal combining the functions of a payment terminal with other functions relating to the merchant’s business and to payments other than by card, such as cash or cheque. The location where a commercial transaction takes place. A point of sale may include several points of acceptance (for example, a supermarket is a point of sale, whereas each of the supermarket’s cash registers is a point of acceptance). With rare exceptions, any French point of sale is legally defined by its SIRET number. Pan-European Automated Clearing House. “Payment services hub” Electronic payment platform that enables centralized processing of batch and individual payments on a single end-to-end platform, irrespective of instrument type, value of payment, customer, channel or transaction type. It supports standards based interfaces and provides a holistic, real-time view and sharing of information across all payments. “Payment terminal”/“terminal” Equipment used for electronic payments. Terminal that performs electronic reading of payment cards, certain verifications of validity and automatic transmission of transactions to the acquirer. “PB” “PCI-DSS” “PCI/Payment Card Industry” “PEACH” “Peer-to-Peer” “PIN” “POS terminal” “POS/point of sale” “NFC” “OBeP”/“online banking e-Payments” “Omni-commerce” “Open payments“ “Payment collecting“ “Payment gateway” “Payment scheme” “Payment services” “Payment Services Directive”

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459 Universal Registration Document 2019