Worldline - 2020 Universal Registration Document

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APPENDICES Glossary

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: 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). EMV: 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. Encryption: Application of mathematical theory to create techniques and algorithms to be applied to data to ensure its confidentiality, integrity and/or authentication, for example. e-Payment: Means of performing commercial transactions for the exchange of goods or services on the Internet. 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: 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. Issuer / issuing bank: Financial institution (or similar) that issues a card to a cardholder. Issuing: Issuance of means of payment such as credit cards, debit cards and pre-paid cards. Issuing Processing : Set of technical operations performed to carry out the issuer’s activity, which may be sub-contracted to a specialized company. 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. m-Commerce / mobile commerce: The use of wireless technologies, more specifically mobile telephony technology, to conduct commercial transactions. m-Payment / mobile payment: Transaction carried out from a mobile telephone and charged to a credit or debit card, the operator’s invoice or an electronic wallet. NFC / Near-Field Communication: 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. OBeP / Online Banking e-Payments: 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. Omni-commerce: Refers to cross-channel commerce solutions. Open payments: Technology based on contactless payment card usage in order to settle fares. Payment collecting: Centralization of worldwide payment transactions with numerous local acquirers for a given merchant. Payment gateway: Internet site permitting the acceptance of online payments and accessible through numerous other websites. Payment scheme: 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. Payment services: 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. Payment Services Directive: European Directive 2007/64/CE of November 13, 2007 on payment services in the internal market. 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. PCI / Payment Card Industry: Association of the principal payment schemes: Visa, MasterCard, American Express, Discover, and JCB.

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Universal Registration Document 2020