收购制度
金融机构持有的商户 账户 partaking在金融交易 ，通常是第一家银行参与处理 付款 。
程序
一个小型的计算机程序提供了便利的表现特别任务。
带宽
的能力，一台服务器进行或处理信息。 更高的带宽的速度越快图形拉丹的网页下载。
浏览器
短期的 Web浏览器，应用软件用于查找并显示网页 。 两种最流行的浏览器是Netscape Navigator和Microsoft Internet Explorer中 。 这两项的图形浏览器，这意味着他们可以显示图形和文字 。 In addition, most modern browsers can present multimedia information, including sound and video, though they require plug-ins for some formats.
Caching
The automatic copying and storage of frequently used information onto a computer system – Typically caching is seen whilst surfing the internet (graphics, etc.) and used by Internet Services Providers ( ISP ’s) to reduce the amount of data requested from the user onto the internet .
Issuer
The Financial Institution which issued the cardholder’s account and card .
Cardholder
The individual participating in the financial transaction whose card is being credited or debited.
Card Verification Data
The additional information printed on the card to be processed. This is used to verify if the card was present when the transaction was initiated. This is the additional digits imprinted on the card usually on the reverse side for VISA & Mastercard and on the front for AMEX.
Certificate
An x.509 certificate used to authenticate entities such as Merchants and Payment Gateways. Certificates can be used to identify and/or encrypt sensitive data such as card numbers and personal cardholder information.
CGI
Common Gateway Interface : A protocol that allows a Web page to run a program on a Web server . Forms, counters, and guest books are common examples of CGI programs.
Any piece of software can be a CGI program if it handles input and output according to the CGI standard. Usually a CGI program is a small program that takes data from a web server and does something with it, like putting the content of a form into an e-mail message, or turning the data into a database query. CGI “scripts” are just scripts which use CGI. CGI is often confused with Perl, which is a programming language, while CGI is an interface to the server from a particular program.
Client
A computer or software that requests a service of another computer system or process (a “ server ”). For example, a workstation requesting the contents of a file from a file server is a client of the file server . A web browser is commonly referred to as a client.
Clients and Servers
In general, all of the machines on the Internet can be categorised as two types: servers and clients. Those machines that provide services (like Web servers or FTP servers) to other machines are servers. And the machines that are used to connect to those services are clients.
When you connect to Yahoo at www.google.com to read a page, Google is providing a machine (probably a cluster of very large machines), for use on the Internet , to service your request. Google is providing a server . Your machine, on the other hand, is probably providing no services to anyone else on the Internet . Therefore, it is a user machine, also known as a client. It is possible and common for a machine to be both a server and a client !
Cookie
A file sent by some web servers to your computer’s hard drive to enable you to quickly and easily return to particular sites. Cookies give rise to privacy concerns as they are often used to store information used for marketing purposes.
The main purpose of cookies is to identify users and possibly prepare customised Web pages for them. When you enter a Web site using cookies, you may be asked to fill out a form providing such information as your name and interests. This information is packaged into a cookie and sent to your Web browser which stores it for later use. The next time you go to the same Web site, your browser will send the cookie to the Web server . The server can use this information to present you with custom Web pages. So, for example, instead of seeing just a generic welcome page you might see a welcome page with your name on it.
CRN
The Customer Receipt Number (CRN) is used to assist the card holder, the payment gateway and the transaction acquirer to confirm the transaction has been processed and to track the transaction throughout the end-to-end transaction process. This is often used when making enquiries about a transaction or for transaction tracking.
Cybersquatting
Bad faith, abusive domain name registration. Cybersquatters register company and product names as domain names with a view to selling them at inflated prices to the “rightful” owners.
/CVC
The additional information printed on the card to be processed. This is used to verify if the card was present when the transaction was initiated. This is the additional digits imprinted on the card usually on the reverse side for VISA & Mastercard and on the front for AMEX.
Database
A collection of data : part numbers, product codes, customer information, etc. It usually refers to data organised and stored on a computer that can be searched and retrieved by a computer program.
Deep link
A hypertext link directly to a web page, often bypassing home pages or other identifying pages.
Digital Certificate
A pop up window that allows you to identify the level of encryption used to secure a particular web site.
Digital Signature
A complex numeric “signature” designed to be used, in conjunction with special software, to authenticate the sender of a message and guarantee that the contents of the message have not been altered during transmission to the recipient. The EU has adopted legislation which makes electronic signatures legally valid. The Electronic Transaction Bill (Cth) 1999 has the same effect in Australia .
Domain Name
The plain English name given to a host destination on the Internet , for example, www.madrock.net. The suffix, dot.com is known as the generic top level domain, the prefix madrock. The domain name forms part of the Internet Address or URL.
A name that identifies one or more IP addresses. For example, the domain name microsoft .com represents about a dozen IP addresses. Domain names are used in URLs to identify particular Web pages. For example, in the URL http://www.madrock.net, the domain name is madrock.net.
Download
To transfer information from one computer to your computer.
Dynamic web page
A web document that is created from a database in real-time or “on the fly” at the same time it is being viewed, providing a continuous flow of new information and giving visitors a new experience each time they visit the web site.
Dynamic web sites offer the user the ability to interact with the web site. This interaction can take place in the form of a search for products, a questionnaire that automatically posts results or online polls. Basically, dynamic web pages and content are generated from the input of the user.
EC
Electronic Commerce .
Often referred to as simply e- commerce , business that is conducted over the Internet using any of the applications that rely on the Internet , such as e-mail, instant messaging, shopping carts, Web services, and FTP, among others. Electronic commerce can be between two businesses transmitting funds, goods, services and/or data or between a business and a customer.
ECI
The Electronic Commerce Indicator (ECI), is used to determine the source of the original transaction request. This is a program that the banks have developed and have mandated it’s use.
Electronic Data Interchange (EDI)
Systems set up by businesses, which facilitate the electronic exchange of information.
Encryption
The process of scrambling data to prevent it being viewed by unauthorized persons.
Expiry Date
The date printed on the card indicating when the card will expire. Not to be confused with the card issue date found on some cards.
Firewall
An electronic security barrier and/or traffic filter.
Forms
Forms are web pages comprised of text and “fields” for a user to fill in with information. They are an excellent way of collecting and processing information from people visiting a web site, as well as allowing them to interact with web pages. Forms are written in HTML and processed by CGI programs.
Frame
A means of dividing a web screen into a number of compartments. Frames may give rise to legal disputes if web sites created by third parties are framed as your own.
FTP servers
One of the oldest of the Internet services, File Transfer Protocol makes it possible to move one or more files securely between computers while providing file security and organisation as well as transfer control.
Fulfilment
1. Process of supplying goods after an order has been received.
2. Process of reacting to a customer’s request, covering everything that has to happen from the time the customer places an order until they are completely satisfied.
Host
Any computer on a network that provides services or information to other computers on the network . A host is also called a server .
Integration
The software and/or business processes which combine the Merchant ’s (website, back office, etc.) order processing system with the EFT Network Electronic Payment System.
IP address
Every computer connected to the Internet is assigned a unique number known as an Internet Protocol (IP) address. Since these numbers are usually assigned in country-based blocks, an IP address can often be used to identify the country from which a computer is connecting to the Internet .
Gateway
A system allowing incompatible computer networks to send and receive information.
HTML (Hypertext Markup Language)
Language used to translate text documents into a form which can be sent over the web .
Hyperlink
A highlighted phrase in a document which permits linking to another document or part of a document.
Internet Content Host (ICH)
Those who host or propose to host content on the Internet . Anybody who is responsible for a web site, news group or bulletin board that contains articles, graphics or other internet content provided by others. The host may/may not also produce their own content and/or provide access to the Internet through a carriage service, ie they may also be an ISP .
Internet Service Provider ( ISP )
A company that provides an Internet connection through some kind of Internet carriage service, for example Sprint, Chello Broadband, Telstra Bigpond, Adam Internet , Internode. ISP ’s may/may not also be ICHs.
Mail servers
Almost as ubiquitous and crucial as Web servers, mail servers move and store mail over corporate networks (via LANs and WANs) and across the Internet .
Merchant account
This is an account set up with a bank to process credit card orders from customers.
Merchant
The entity receiving payments for goods and/or services.
Merchant Account
The merchant ’s account into which transactions are credited or debited.
Merchant Server
The software installed on the Merchant ’s web sites or back office system to enable real-time or batched processing of financial transactions.
Merchant Server Administrator
The individual(s) responsible for the maintenance of the Merchant Server , including issuing and importing merchant certificates.
MTL
Merchant Transaction Layer (MTL)
PAN
Primary Account Number (PAN) is the number printed on the customers card to reference the cardholder’s financial account . This is typically the card number.
Payment Gateway
The Payment Gateway provides a central point of contact/ transaction switching with the banking network for the Merchant Server software or devices. The EFT Networks Payment gateway provides advanced integrated reporting , merchant integration services (Mainframe, Mini, Windows, UNIX, OS400, Desktop/ Server , EFT PoS Terminals. Loyalty systems, etc.) and Merchant / Bank customised solutions not offered by regional or global banking institutions.
An online system for real-time charging of credit cards when a customer places an order. Normally requires a merchant account .
A common question f
