Stakeholders Driving Payment Evolution and Digital Identity

Advanced Card Technology - Glossary of Terms

D 
DCM Direct Connect Modem  
DEA Data Encryption Algorithm  
DES Data encryption standard  
DSA Digital Signature Algorithm  
DSS Digital Signature Standard  
Data Capture The electronic recording of information for subsequent use and information processing for clearing payment transactions.  
Data Encryption Algorithm A cryptographic algorithm for encrypting data that is an ANSI standard. The algorithm is a key driven and reversible process. Also referred to as the Data Encryption Standard (DES).  
Data Encryption Standard Federal Information Processing Standard publication 46. A US standard defining a cryptosystem for use by the US Federal Government. Popularly known as DES, this cryptosystem is widely used in payment systems,  
Data Tag A plastic tag that contains a chip and functions as a military dog tag or identification device.  
Data Transfer Conveyance of data by any means.  
Database A collection of records stored electronically.  
Debit Card A card used to make transactions that is linked to the cardholder’s direct deposit account.  
Debug Eliminate errors from hardware or software.  
Decipherment See decryption  
Decryption Converting encrypted information back into clear text.  
Decrementing Value Card See prepaid card  
Dedicated Network A communications facility established for a specific purpose, such as servicing point-of-sale facilities.  
Default Settings Standing instructions to configure a commuter at log on, establishing baud rate, lines per screen, characters per line and other parameters.  
Deferred Debit Card Something half way between a debit card and a charge card. The cardholder settles his entire balance for every billing period, but there is a delay between the date when a transaction is charged to his account and the date by which payment must be made.  
Degaussing Magnetic stripe data erasure  
Device Card An integrated circuit card that carries information (logic and data); used to configure, operate, and supervise a work station that accepts integrated circuit cards or contains integrated circuit card functions.  
Diagnostics Verification of proper system and subsystem operations by means of fault isolation programming techniques.  
Digit A numeric value.  
Digital Certificate An electronic “credit card” that establishes the user’s credentials when doing business or other transactions on the Internet. The certificate contains the user’s name, a serial number, the expiration dates, a copy of the certificate-holder’s public key and the digital signature of the certificate-issuing authority to verify the authenticity of the certificate.  
Digital Optical Laser Card A portable card that passively stores information in the form of high-density marks or bars.  
Digital Signature A technique used to prevent denial of a transaction or message by the sender. A technique used to authenticate a transaction or message by the sender. The digital signature is generated using a cryptographic algorithm and information that identifies the user, including a cryptographic key. Digital signatures do not, by themselves, prevent the sender from repudiating the message. The sender can claim that his private signature key was stolen and used by someone else to fraudulently sign the message.  
Digital Signature Standard (DSS) A soon to be adopted standard for generating a non-repudiatable electronic code linking the user to a specific transaction. The standard specifies a government developed algorithm call the Digital Signature Algorithm (DSA).  
Digitizing Conversion of non-textual data to digital form, especially in graphics and image processing.  
Direct Connect Modem Modem that connects directly to the telephone system with a jack as opposed to an acoustic coupler  
Display Telephone A telephone with a visual information presentation device for communicating with the user.  
Distributed Data Processing Data processing carried out by a system of commuters connected in a network and sharing tasks among themselves.  
DOS Disk Operating System. Often used to refer specifically to the MS-DOS operating system developed by Microsoft for personal commuters.  
Double-Copy Voucher A sales voucher or receipt printed in duplicate on a EFPOS or EFTPOS terminal. The cardholder keeps one copy and the card acceptor keeps the other.  
Down-line Loading Loading of data from an acquirer’s computer system to a card acceptor’s terminal via an intermediate network facility (e.g. to transmit hot card files).  
Dual Slot A telephone handset or other mobile device that has two slots for chips. One is for the Subscriber Identification Module of the network operator that resides in the phone, and the other is for reading the chip on a bankcard.  
Dual-Standard Terminal A terminal supporting both DES and RSA cryptosystems.  
Dumb Terminal A terminal with no processing capability, unlike an intelligent terminal.  
Dump To copy data to a screen, printer or another storage medium.  
Duplex Mode of transmitting data through a modem. Full duplex allows it to be sent and received simultaneously. Half duplex allows it to be sent and received simultaneously. Half duplex allows it to go in only one direction at a time.  
Dynamic Allocation A cryptographic exchange of a pseudo random number or time variant data that mutually authenticates the ICC and the SAM