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Advanced Card Technology - Glossary of Terms

CAD Card Accepting Device  
CAT Credit Authorization Terminal  
CCCC Canadian Chip Card Committee  
CD Compact Disk  
CEN Committee for European Normalization.  
CEPS Common Electronic Purse Standards Visa
CEPT Council of European Post and Telecommunications  
CMOS Complimentary Metal Oxide Semi-Conductor  
COB Chip on Board  
COS Card (Chip) Operating System.  
CPA Canadian Payments Association  
Capacitive Card A capacitively coupled memory card.  
Capture Date The date on which a transaction is processed by an acquirer.  
Card A rectangular paper or plastic medium used to carry information relating to its issuer and user.  
Card Acceptor Device (CAD) The mechanism, a key component of reader/writers, into which an Integrated Circuit (IC) card is inserted.  
  The device used to interface with the ICC during a session. ISO
Card Acceptor Identification Code Within a payment system, a code identifying the point at which a transaction takes place.  
Card Acceptor Terminal Identification Within a payment system, a code identifying a terminal at a “Point of Service”  
Card Base A population of cardholders, especially in the context of a single card family.  
Card Bureau A contract service to card issuers, whereby printed blank cards can be embossed and encoded with cardholder and other data and, in some cases, dispatched to cardholders.  
Card Duality Issuing/acquiring activities conducted with more than one payment system.  
Card Encoding The original recording of information on an identification card by the card issuer.  
Card Family A group of related financial transaction cards, often bearing the same logo, facilitating transactions through a common payment system.  
Card Issuer An individual or organization that issues identification cards, to individual or corporate cardholders.  
  The institution (or its agent) which issues the financial transaction ICC to the cardholder. ISO
Card Jitter Poorly aligned recording on the magnetic tracks of an identification card.  
Card Life Cycle The stages for a card from initial manufacturing to usage completion and destruction.  
Card Number See Primary Account Number.  
Card Payment System A payment system supporting payments made by financial transaction cards.  
Card Read-Writer Equipment that can electronically read the information on one or many types of card and modify specific data fields.  
Card Registration Service A service to cardholders which registers cardholders identification cards and notifies card issuers if the cardholder advises the service of card loss, theft or destruction. If the cardholder loses all his cards, a single call to the service is all he need make. Usually the service will then initiate lost card replacement procedures. Some card issuers offer card registration as an enhancement service.  
Card Sequence Number A number distinguishing between separate financial transaction cards which have the same identification number.  
Card Supplier Manufacturer of plastic cards.  
Card World The industry journal for plastic card, retail and financial services.  
Cardholder Generally the person to whom an identification card is issued. For financial transactions cards it is usually the customer associated with the primary account number recorded on the card.  
  The person for whom the financial transaction ICC has been issued. ISO
Cardholder Billing Currency The currency in which a cardholder is billed, especially in contexts where this differs from the currency in which his transactions have been denominated.  
Cardholder Servicing The provision to cardholders of services, enhancement services, associated with their cards or accounts.  
Cash Currency in any form, including, but not limited to paper bills, coins, electronic value ACT Canada
Cash Management System System which allows customers to obtain information about their account, access databases and obtain forecasts using appropriate terminals such as television sets or personal computers.  
Cathode Ray Tube A visual display medium in the form of a glass vacuum tube whose interior front surface data is coated with electro-phosphorescent material and which is made to display data by directing an electron beam at the surface.  
CD-ROM Compact Disk Read Only Memory. A disk-shaped mass storage medium that employs optical recording technology to store data. CD-ROM conforms to specific standards different from CD-A, CD-XA, and CD-1 (audio, extended audio and interactive).  
Central Processing Unit The part of a computer which performs arithmetic and other computing functions (as opposed to I/O or storage).  
Challenge - Response see asynchronous password generation  
Charge Back Issuer generated reversal of all or part of an amount previously posted to a cardholder account.  
Character Height The maximum permitted height of embossed characters on an identification card. For ISO standard card this is 4.32mm(as defined by ISO 7811).  
Character Spacing The nominal spacing of embossed characters one identification card. For ISO standard cards this is 3.63mm with a minimum spacing between two consecutive characters of 3.48mm (defined in ISO 7811)  
Chargeback Dispute A disagreement between parties to a transaction over whether or when the transaction actually occurred or what amount was involved.  
Check Digit A digit calculated from the digits of a number and appended to it as a form or integrity. Check digits on ISO standard Identification cards are calculated using the “Luhn Formula”.  
Chip A small square of thin, semiconductor material, such as silicon, that has been chemically processed to have a specific set of electrical characteristics such as circuits, storage, and/or logic elements. Also known as an Integrated Circuit (IC)  
Chip Card See Integrated Circuit Card.  
Ciphertext Enciphered plain text ISO
Clear Text Data in its original, unencrypted form. Also known as plain text.  
Clearing The processing of financial transactions between the Acquirer and Issuer for reconciliation, billing, and statement use.  
CLK Clock Signal An electronic signal presented at contact C3 of an integrated circuit card for synchronization between the card and its external interface device.  
Clock Transition A flux transition marking a bit-cell boundary (see two-frequency recording).  
Closed Prepaid System A system where the Issuer and Acquirer of the card are the same party. The card is issued by the party that provides those services that can be accessed by the card.  
Cluster Terminal A terminal comprising more than one VDU integrated into a single functional unit.  
CMOS A chip fabrication technology requiring moderate performance and moderate power.  
COBOL Acronym for Common Business Orientated Language, the most widely used language for commercial computer programming.  
Coercive Force The strengths of the reverse magnetic field required to demagnetize a given piece of magnetic material, expressed in “Oersteds.”  
Coercivity The magnetic “retention value” of different ferromagnetic materials. For example, a high coercivity magnetic stripe will be less vulnerable to degaussing or erasure than a low coercivity magnetic stripe.  
Color ID Card A photo ID card bearing a color image of the cardholder. The image may be formed by photographic or electronic means.  
Common Data File (CDF) A mandatory file that contains the common data elements stored in the ICC and used to identify the card, the card issuer and the cardholder. ISO
Common Electronic Purse Standards (CEPS) A unique standard for the global interoperability of smart cards, developed by Visa initially, and subsequently passed on to the European Committee for Banking Standards. Visa
Company Card A card issued to a company for use by an employee for business purchases.  
Compatible Able to communicate with or act upon.  
Compiler A program that translates a program written by a programmer into machine language a computer understands.  
Complementary Metal Oxide On Silicon A semiconductor material used to make integrated circuits with very low power consumption. Without it IC cards would not be possible.  
Computer-aided Design The use of computers in the evolution checking or presentation of design for goods or services.  
Computer-aided Manufacturing The use of computers in the design, fabrication and testing of manufactured goods.  
Connectivity The ability of facilities of data processing systems to connect and interwork with each other.  
Contact An electrical connecting surface on an integrated circuit cared and/or interfacing device that permits a flow of current between the two.  
Contactless Card An integrated circuit card that enables energy to flow between the card and the interfacing device without the use of contact. Instead, induction or high-frequency transmission techniques are used.  
Country Code A numeric code identifying the country of origin of a party in a payment system.  
Credit Authorization Telephone (CAT) Telephone equipped with a card reader that automatically dial the Issuer to obtain an authorization for each transaction above the floor limit.  
Credit Card A card that enables the cardholder to make transactions against a credit account established with the Issuer, whereby the Issuer has agreed to make available a specified amount of funds to the cardholder.  
Credit Limit Maximum amount that can be borrowed by a cardholder at any one time on an account  
Credit Transaction A transaction resulting in a credit to a cardholders account  
Cryptographic Function A process performed (e.g. encryption, authentication, certification) using a cryptographic algorithm. ISO
Cryptographic Key (key) A parameter used in conjunction with a cryptographic algorithm for executing cryptographic transformations. ISO
Cryptography The process of concealing the contents of a message from all except those who know the key.  
Cryptology The methods and practice of transforming confidential information to make it unintelligible to parties not authorized to know it.  
Cryptoki Cryptographic Token Interface; RSA Security Inc. driven standard for Smart Cards, PCMCIA cards and other hardware and software solutions.  
Cryptosystem A system which encrypts and decrypts information  
Custom Chip A chip whose characteristics have been set for the handling of a specific set of application or job requirements.