First of all understanding of credit card as phenomena.
For example white guy is walking across Harlem without money, get in fast to the nearest bank. Has communicated to the manager, has signed that was given to sign and he already can spend $3000 as soon as will receive a card, and becomes a cardholder. It’s called Credit line - the amount of the credit which the bank lets to spend.
Has come through road in weapon, has bought on a card a colt and at it has increased
Current Balance - how much was spent, so much then needed to return to bank. It’s subtracted from credit line.
Available Credit - how much money is available for spending.
The card or the credit usually is given for year or some years. Therefore there is expiration date is written on the card.
Expiration date - month and year of ending a contract with a bank. For example 10/2009.
Each card is unique on a planet. For this reason it has:
Card Number - number, usualy 16-digit. Rarely you can see 13-digit. In American Express by default 15 digits.
Watch and take care of all this large object of calculations on credit cards Visa and Mastercard/Eurocard - international payment systems. In Visa number of a card begins from 4, at Masterkard - 5. Other brands not so are developed (American Express, Discover, JCB, the Gold Crown, etc.)
It happens that cards drop, byt people don’t pay attention to it as it similar to a peace of soap and go further. And for preventing stealing money by some cleaners who can find it and try to make shopping-day for themselves it is written:
Cardholder’s Name – a name and a surname of card’s holder (not owner because card – bank’s property. It’s given to client only to use)
And for preventing just memorizing card’s info and using it by another persons by phone or internet it is written
CVC2 Or CVV2 - three confidential fdigits in small print on another side of card. On Mastercard it is called Card Validation Code, on Visa - Card Verification Value.
Statement - monthly report of all movements of money (transactions) with a card where are specified cost of a staff, services of the lawyer, the tax to entertainments etc.
There are available such important for bank and unloved by cardholders fields as
Minimum Payment Due - the amount of monthly payment calculated and recalculated every month, the client should return to bank for spended. Total amount divides for remained months till the end of the contract, plus percents and client pays parts of total amount every month.
Payment Due Date – last day cardholder must pay his Minimum payment due fir month.
LATE FEE – dayle percent for payment delay.
From limits in statement you can also see
Cash Advance Limit – the whole amount you can receive from card by cash (not for once). One-time limit on CA usually for about $500. But in different banks it can be more or less.
That’s about all of main.
Other terms:
Plastic - actually a card as it is, but not at the owner, and the duplicate in carder’s hand.
PIN number - the four-digit number. It’s a password for access to a card through a cash dispense and sometimes through a site of bank.
E-shop - an online shop site where on a card it is possible to order the goods.
billing address, billing - the residing address where Statement goes to.
billing phone – holder’s phone which the bank or a shop calls for any cases.
shipping address - the address where the shop should send the ordered goods. For large purchases it is required, that it is the same as billing address or has been entered in bank site in properties of a card as, or couldl be troubles. Troubles with a shop dares by calling - i.e. a call to shop with purchase acknowledgement, billing and shipping addresses and all loyalty. If you have troubles with English or German language, it is possible to order call-services which (professionally whenever possible) will do all you need. Caller need all information which will demand a shop at conversation. In different shops it’s different.
Order - number of the order which was made on a shop. What’s the result of caller’s and shop’s communication, you may get know not only from caller, but also from a shop site after a while. An order can have different statuses depending on shop and a software which was used in it.
So calling may be not necessary if you use
enroll - access to the card data through a bank site. Each bank has different system. Somewhere for enrolling a card you may need only
MMN (mother's maiden name) - maiden surname of holder’s mother. Somewhere together with
DOB (date of birth) - a date of birth (holder’s of course) or
SSN (social security number) - individual number of each person.
Somewhere a combination of them and with PIN number or even with
DL (driver's license) - number of holder’s driving license. Usually it is private information.
But there is services of finding SSN, DOB, MMN, DL in databases (for money of course). If there is no time to look up for this data you can by
card with full info (or simply full info) – all cardholder’s data, sufficient for enrolling card on a bank site.
Once you've enrolled the card, it is possible to change billing phone and billing address. Usually address changes on drop’s address.
Drop - the person, who’ll be agree to accept and resend bought goods (stuff). He does it usually for money or beautiful promises – there are different ways to get drops. Usually this things does
Drop-service (in Russia we call this guy dropovod) - the expert in washing of drop’s brains.
There are two types of drops – who know that the work they do is out of law and who don’t know it. It’s simpllier to work with people who know about this business they can call to shop and help you in another things but they rip oftener. Anothers you should to get by telling tales (work on “big company” and smth like this).
So about orders. The best and its last status:
shipped - it is sent on the shipping address. If drop-service (dropovod) reliable and drops at their stable, you can start to dance – things were stilled successful. You need just tell about it to drop-service.
Track (tracking number) - unique number of a parcel in delivery service, for example in DHL, UPS or FedEx. It appears on a shop site in details of the order after sending. By this number you can trace the parcel status where it is on the site of delivery service chosen for sending and that. As soon as the status becomes
delivered - it is delivered, responsibility for the stuff goes to drop (or drop-service) and within the next few days he will pay for the goods (at least he should do it). By the way, watch where the parcel was delivered to. It’s happens that the parcel comes back in the shop delivered means delivered back to sender.
I hope that you’ll have never met negative statuses of order (canceled, declined, suspended, FBI, USSS) and drop-service or drop won’t rip you. So good luck in you work guys!
P.S. Ask you don’t beat for errors – better improve and update )
The following glossary of terms and definitions is to help you understand the terminology associated with the production of plastic cards, some of which is unique to this industry and with which you may not be familiar. We hope you find it a useful adjunct to this web site. You can use the 'quick links' below to help navigate the glossary.
4-Colour Process
- is a printing term for full colour printing. It is the process of combining four primary printing colours to create a printed colour picture or colours composed from the basic four colours. See CMYK.
ABS
- an abbreviation for Acrylonitrile Butadiene Styrene is a common plastic material used for the manufacture of moulded card bodies. The plastic used to make moulded (or injected) card bodies for certain cards (See PVC). Plastic material used to manufacture cards that are resistant to heat distortion.
ANSI
- is the abbreviation for American National Standards Institute. This is the US national member body of the International Organisation for Standardisation.
ASCII
- is an abbreviation for American Standard Code for Information Interchange. This is a standard way of assigning numerical codes to characters and control codes. There are 128 alpha / control characters.
ATB
- is the abbreviation for an automated ticket and boarding pass machine at an airport, which accepts a financial transaction card to pay for an airline ticket, and issues a ticket and boarding pass.
ATM
- is an abbreviation for Automated Teller Machine (cash machine) is a device usually sited in a public place allowing cardholders to conduct basic banking operations including cash withdrawal.
Access card
- a machine-readable card used to achieve computer access, physical entry or passage.
Access Control Card
- is a plastic card used to gain/control access to premises or enter restricted areas. Usually associated with magnetic or chip cards and proximity cards with or without photo e.g. ID badges.
Acrobat PDF
– is a popular electronic document format. It embeds all typefaces, graphics and age layout information into the one compact file. Its appearance won’t change regardless of computer platform or printer. This makes it ideal for proofing work electronically.
Algorithm
- is a set of computational rules specifying the procedures to perform a specific computation. It is a mathematical routine used to perform computations (often used for cryptography).
Alpha test
- is the initial trial run of a new program, system or hardware within the organisation that developed it. See beta test.
Alphanumeric
– is a term to describe a mixture of letters and numbers – often used in passwords.
Angewandte Digital Elektronik
- is the European contactless card association (ADE).
Applet
– is a small program by which new features and services can be downloaded to a smart card even after the card has been issued, e.g. EMV, PKI or electronic purse applications.
Applications Programme
– is a programme that carries out a particular task e.g. word processing packages, databases and spreadsheets.
Area 1
- is the part of the embossing area reserved for identification of the card issuer and cardholder card issuer (defined in ISO 7811).
Area 2
- is the part of the embossing area provided for cardholder identification data such as name and address (defined in ISO 7811).
Artwork
– includes images, text or original illustrative copy or layout ready for print reproduction at pre-press stage.
Authentication
– is the process of determining the precise identity of someone who conducts an online transaction or who sends an online communication. Often used in conjunction wit Credit or Debit card transactions. This is a technique to confirm the identity of a card or a computer system.
Bps
- is an abbreviation for Bits-Per-Second which is the measure of Data transmission speed, the number of pieces of information transmitted per second. See Baud.
Barcodes
– are printed codes made from vertical lines of different thickness used for fast error free data entry. An array of machine-readable rectangular bars and spaces arranged in a specific way defined in international standards to represent letters, numbers, and other human-readable symbols.
Baud
– is a unit of transmission or signalling speed. The speed in baud is the number of discrete conditions or signal elements per second. It is now largely obsolete, often confused and now largely replaced by "bits per second" (Bps).
Beta test
- is the first public test of a new programme, system or hardware, under controlled conditions with selected users. See alpha test.
BIN
- is the card issuer identification number.
Biometrics
– is a term given to the group of technologies or authentication techniques that that rely on biological phenomena to enable people to be recognised and identified by their individual characteristics. The main types of biometric systems currently available include signature, fingerprint, hand geometry, retinal eye pattern, voice pattern and keyboard rhythm. Signature and fingerprint seem to have the best commercial advantages and are being considered for the UK retail banking system in the longer term. It is the technique of studying physical characteristics of a person.
Biometric Identifier
– is a certain physical (fingerprint) or biological (voice) characteristic of an individual that serves as a unique identifier. The identifier can be electronically stored and compared for positive identification purposes. The identifier can be recorded digitally and by comparing it with stored records the individual can be identified using some physical (fingerprint) or biological (voice) characteristic that acts as a personal identifier.
Binary
– is a numbering system in which the numbers are expressed as various combinations of 1 and 0. In computing terms, these can be represented electrically as on or off.
Bit
– is short for binary digit – the smallest unit of computer storage. Binary digits can be either 1 or 0.
Bitmap
– this is an image stored as a series of bits, in a grid type format when enlarged.
Blank Cards
– are cards with no printing usually used in imaging machines.
Bleed
– is the term for the part of an image or printing that extends beyond the Trim Marks on a page or beyond the actual size of the card - it is said to ‘bleed off the sheet’. Usually, in a printing project, a bleed will cost more to produce than one that does not bleed. A bleed requires sheet larger than the finished size of the piece to print on.
Bromide
– is a black and white proof on photographic paper.
Buffered data
- decoded data from a magnetic stripe read - held in temporary memory until needed.
Bureau service
- is a contract service card issuers, whereby printed blank cards can be embossed, thermally printed or laser engraved and encoded with cardholder and other data and, in some cases despatched to cardholders.
Byte
- is a sequence of eight bits usually operated on as a unit.
CMYK
– is an abbreviation for the colours cyan, magenta, yellow and black around which printing is based. This term is also applied to plastic card printer ribbons together with further abbreviations e.g. OKTH where O = Clear Overlay, K = Black, T = Top Coat Panel Ribbon and H = Heat Seal Panels.
CAD
- is the abbreviation for computer-aided design.
CAM
– is an abbreviation for Card Authentication Method: the method (usually Static or Dynamic Data Authentication) used to verify that a card has come from a valid issuer and has not been tampered with.
CAT
– is an abbreviation for Cardholder Activated Terminal. Card schemes further subdivide CATs into groups, for example, low-value vending machines, limited-value (e.g. petrol pumps) and unlimited value on-line terminals (e.g. kiosks and ticket booking systems).
CB
– is an abbreviation for the French “GIE Cartes Bancaires” which is an umbrella body controlling the card operations of the French banks. It sets standards as well as running the data network. The current CB standard card does not conform to ISO 7816 (its contacts are closer to the top of the card), but a migration is planned.
COS
– is an abbreviation for Card (Chip) Operating System
CPU
– is an abbreviation for Central Processing Unit that is the chip that is the brains of a computer. It is also known as the processor. Explanation: The CPU processes data and instructions. It does calculations and does what the software programs tell it to do. The CPU is the most important part of a computer.
CR80 Card
– is the description for a standard credit card size (3 3/8" x 2 1/8" x .030). Dimensions are 3.375" x 2.125" (85.6 mm x 54mm).
CVM
– is an abbreviation for Cardholder Verification Method: the signature, password, PIN or biometric used to check the identity of the cardholder, particularly for bankcards.
Card Accepting Device
– is a device used to communicate with smart card during a transaction.
Card Five
– is an ID card software used in design and printing of plastic cards. Powerful, yet easy to set-up and use, it has all the features needed to produce ID cards.
Cardholder
– is the person to whom a personal card was issued (not necessarily the person holding the card).
Card inserting and mailing
- is the process of inserting and sealing the card into an envelope along with any attachments, letter (or carrier) and / or promotional material. See also match mailing.
Card issuer
- is an individual or organisation that issues cards to individual or corporate cardholders.
Card jitter
- is poorly aligned recording on the magnetic tracks of the identification card.
Card scheme
- is an organisation or payment system which manages and controls the operation and clearing of transactions through their rules. Banks and building societies must be members of the appropriate schemes to issue cards and acquire card transactions. Examples of schemes are MasterCard, Europay, Visa, American Express, Diners Club and Switch.
Cash dispenser
- is the simplest form of ATM. Which permits only cash withdrawal.
CEN
- is the abbreviation for Comite Europ?en Normalisation – the European Standards Association.
Centronics
– is a standard interface for connecting printers and other parallel devices. Parallel ports on PC’s almost all conform to the Centronics standard. Two new parallel port standards (backwards compatible) with Centronics, offer faster transmission rates, are ECP (Extended Capabilities Port) and EPP (Enhances Parallel Port).
Character height
- is the maximum permitted height of embossed characters on an identification card. For ISO standard card this is 4.32mm (defined in ISO 7811.
Character spacing
- is the nominal spacing of embossed characters on an identification card. For 150 standard cards this is 3.63mm with a minimum spacing between two consecutive characters of 3.48mm (defined in ISO 7811).
Charge Card
– is a payment card that provides automatic credit within a given invoice date (usually monthly).
Cheque guarantee card
- is a card issued by a bank or building society for the purpose of guaranteeing settlement of cheques to third parties or supporting the encashment of cheques at financial institutions up to a specified value. Most debit and some credit cards may also function as cheque guarantee cards (multifunction cards).
Chip
– is an integrated circuit that carries card intelligence. Embedded in the plastic surface of a card and hidden by the communication contacts. It is a piece of silicon etched with an electronic circuit.
Chip Card
– is another name for a smart card; refers to a plastic card with an embedded integrated circuit, which offers memory and micro processing capabilities.
Chromalin Proofs
– are the most common way of exchanging final artwork for printing. Cromalin is registered name for a printer’s proof manufactured by Dupont. See also Digital Cromalin.
Citycard
- is a multi-application prepayment card for use within a specific urban area - also known as town card.
CKS
- is the abbreviation for Checksum – a control procedure used by applications in verifying the integrity of a card.
Closed pre-paid system
- is a system where the issuer and acquirer of the card are the same party - i.e. the card issuing party also provides those services that can be accessed by the card e.g. a university card.
Co-branding
- is a card issuing agreement between a bank and a commercial organisation, e. g. such as between MBNA and Watford Football Club.
Coercivity
– is measure of the strength of a magnetic field. Fields are expressed as low or high by the terms LoCo and HiCo.
Cold Glue Adhesion
– Cold Glue or polyvinyl acetate (PVA) is the premium multi-purpose wood and paper adhesive which dries by evaporation of water and without heat to form a tough, sturdy, non-visible strong bond. It has excellent adhesion to paper and cardboard.
Colour Separation
– is the division of colour into basic elements e.g. CMYK or flat pantone by a process of scanning or page make-up from a computer. Separate printing plates are needed for each colour.
Combi Card
– is a smart card with both “contact” and “contactless” technology on one card.
Company Card
– is a card issued to or by a company for use by an employee for business-related transactions (e.g., purchases, logical access, physical access).
Contact
– is a point of electrical connection between a smart card and its external interface device.
Contactless Smart Card
– is a smart card that transmits and receives data using radio frequencies (RF) technology to communicate with compatible terminal. Eliminates physical contact or insertion into reader terminal while retaining intelligence. Often used in walk-by or gate access applications for mass transit.
Contact Smart Card
– is a smart card that requires physical contact with a card reading device to exchange data. Any card where information is transferred to a reader via a series of contact points located on the card.
Credit Card
– is a term used for a card allowing its owner to spend money with no immediate reimbursement.
Cryptography
– is one of the sciences of keeping information secure using mechanisms and practices to encode data for security purposes.
CVC and CVV
- is the abbreviation for the verification code from MasterCard and card verification code from Visa. Encrypted numeric value contained in the data on the magnetic stripe, which can be checked to ensure that the information has not been altered in any way.
Cyan
– is a shade of blue used in four-colour printing.
DDA
– is an abbreviation for Dynamic Data Authentication: authentication of a card using a challenge and response mechanism.
DES
– is an abbreviation for Data Encryption Standard: the name of the Federal Information Processing Standard (FIPS), which describes the data encryption algorithm (DEA) or standard. When used for communication, both sender and receiver must know the same secret key, which can be used in encrypt or decrypt the message, or to generate and verify a message authentication code.
DKV
- is the abbreviation for Deutscher Kraftverker – the German service company that issues the most widely accepted and used pan-European fuel card.
Data capture terminal
- is an electronic payment terminal that captures transactions for later offline processing.
Data integrity
- is data with integrity has not been altered or destroyed in an unauthorised manner.
Debit Card
– is a card similar to a credit card, but differs by immediately withdrawing money from an account and transferring it to another account. It replaces cheques (with no delay to give the issuer time to cover it) and does not have a credit line associated.
Degaussing
– is a term for magnetic stripe data erasure.
Digital Cromalin
– is a system that makes it possible to produce digital colour proofs that reproduce the quality of the final result with very high reliability. Chromalin is a registered trademark of Agfa and is an accurate colour proof that is made from imaged film using a powder instead of ink.
Digital Imaging
- is the scanning or otherwise capturing of images that may be subsequently edited, filed or displayed on a plastic card.
Digital Optical Laser Card
– is a portable card that passively stores information in the form of high-density marks or bars.
Direct-to-Card (DTC) Printing
- is the process of printing digital images directly onto any plastic card with a smooth, clean, glossy PVC surface.
Domi.net Series
– are a range of modular products from Logika Technology Srl which can be pre-specified to include personalisation units such as the MCPU unit (see below), magnetic stripe encoding, embossing wheels, thermal printing, colour printing and tipping units. These systems can also be retro fitted.
Duplex
– refers to the transmission of data in two directions simultaneously. In card printing terms it means printing simultaneously to the front and reverse of the card.
DPI Resolution
– dots per inch usually equate to pixels e.g. a 35mm slide (1.25" x 1") scanned at 2700dpi this will approximately equate to a 3400 x 2700-pixel image. When printed with a 300dpi printer its final size would approximate 11" x 9".
Dye Sublimation
– is an imaging method for transferring controlled quantities of printer ribbon dye onto a plastic card. Inside a dye-sublimation printer is a long roll of transparent film that resembles sheets of red, blue, yellow, and grey coloured cellophane stuck together end to end. Embedded in this film are solid dyes corresponding to the four basic colours used in printing: cyan, magenta, yellow and black. As the print head heats up and passes over the film, this causes the dyes to vaporise and permeate the glossy surface of the card before they return to solid form. The solidity of the colours give dye-sublimation images a more realistic feel, unlike the images printed by inkjet printers that utilise individual dots.
Edge to edge
- refers to the maximum printable area on a card. Printer/encoders with edge-to-edge printing capability can print just to the edge of a card resulting in printed cards with virtually no border.
EEPROM
– means Electrically Erasable Programmable Read-Only Memory. This is a memory technology that can be electronically erased and rewritten.
EFT-POS
– is an abbreviation for Electronic Funds Transfer at Point of Sale: electronic payment.
Electronic Purse (e-purse)
– is a smart card that contains electronic money. It is sometimes called the electronic wallet or the stored value card (SVC).
Embossing area
- is the area on an identification card within which embossing is located (defined in ISO 7811).
e-wallet
– is a small portable device that contains electronic money. E-wallets are generally used for low-cost transactions.
EMV
– is an abbreviation for the collaboration of the Europay-Mastercard-Visa specifications for chip-based payment cards.
EPOS
– is an abbreviation for Electronic Point of Sale (terminal): a networked programmable electronic till.
EPROM
– is an abbreviation for Electrically Programmable Read-Only Memory. This is a memory technology that can be written only once before being erased using ultraviolet light, after which it may be written again.
EPS File
– is an abbreviation for Encapsulated PostScript file: a form of postscript used by a graphic designer to produce a company logo for a card. EPS files are generated from vector graphics originated in applications such as Illustrator, Freehand or Corel Draw.
Embedding
– is an operation to place a microchip module in the cavity of the card body. An electrical test is carried out and the embedded module is then encoded.
Embossing
– is the action whereby metal dies are used to raise / stamp characters in relief on the front surface of a plastic card. The raised letters or numbers are usually tipped with a contrasting coloured foil.
Encoding
– is the process of electronically “writing” or recording information on magnetic stripes or smart card chips. Encoded information or machine-readable codes placed on the cards for use with automatic reading devices e.g. automatic tellers, cash dispensers, and point-of-sale terminals.
Encryption
– is the scrambling of data for confidentiality purposes: a practice that allows only intended recipients to decode information and unintelligible to unauthorised parties.
Envelope Sizes
– ISO standard metric envelope sizes:
Euro
- is a European Union currency.
Europay
- is an international payment association controlled by its members and is MasterCard's strategic partner in Europe.
Expiry Date
– is the date after which a card, account, or application ceases to be valid for transaction use, unless an exception process is used to gain permission.
Farrington 7B
- is a type font comprising letters and digits only and used for embossing text on identification cards (defined in ISO 7811).
Ferrous oxide
- are the metal 'rust' particles that are used to make magnetic stripes. The controlled rusting (oxidation) determines the recording characteristics of the magnetic material.
Financial Hologram Card
– is a card using a hologram, 30 mil thickness, ISO cards, e.g. MasterCard / Visa and others.
Financial Cards (Other)
– are typically Debit, Cheque, Charge or ATM cards not using a hologram.
Firewall
– is an application or a dedicated computer that protects the resources of one network from users on other networks.
Foil Stamping
– is hot stamp printing achieved by using pressure and heat to affix coloured foil in to tile plastic surface.
Four Colour Process
– is the method of printing in full colour by colour separation producing lour colour plates for printing cyan, magenta, yellow and black.
Fuel card
- is a special purpose charge card used most by transport drivers to pay for fuel on the road
Fulfilment
– is the process by which the card is matched to a letter, inserted into an envelope, metered and delivered to the Post Office. Personalisation is available using several different methods along with continuous form equipment or individual hand fulfilled piecework.
GSM
– is an abbreviation for Global System for Mobile Communication: a communications standard for mobile phones.
Generic Card
– is a card that utilises a base card stock of a pre-designed, centralised image and is not individualised to a specific issuer (or department) within its basic design. It may have an IIN (Issuer Identification Number) that groups the issuer with other organisations (for benefits of scales of volumes) but the users’ card can be subsequently individualised by personalisation techniques.
Gift Card
– is a standard or custom size CR80 card with a stored or prepaid value placed on the card through magnetic striping or bar coding. Usually a retail card initiated at cash desks or checkouts.
Graduation
– is the smooth transition from one tone or colour to another, or the range of values between black and white. Graduation can be used to achieve advanced designs in cards of one or two colours.
Http
– is an abbreviation for Hypertext transfer protocol: a client/server protocol used for connections to servers on the World Wide Web. Addresses of Websites begin with an http:// prefix.
Halftone
– is the name printers’ use for a photograph that has to be turned to a fine dot pattern before being printed. This process is called screening and is the process by which continuous tone is simulated by a pattern of dots of varying size.
Health Card
– is a card used to store information about medical history or insurance coverage. Commonly used in the USA these cards can be of any technology.
High Coercivity Magnetic Stripe
– is magnetic tape that requires more than 2,750 Oersted to encode, change, or erase.
Hologram
– is a unique form of photographic printing that is a flat optical image that to the naked eye looks and provides a three-dimensional effect on a flat surface. Holograms cannot be easily copied and are used for security and aesthetic purposes on cards.
Hologram card
- is an identification card bearing a hologram as a security measure against counterfeiting.
Holographic Foil
– is the foil used to carry embossed holographic images.
Holographic Technology
- adjective of or relating to holography or holograms.
Hybrid Cards
– are cards that support more than one technology, such as an IC (integrated circuit) card with a magnetic stripe.
IC
- is an abbreviation for Integrated Circuit.
IC Card
– is an abbreviation for Integrated Circuit or “chip card”. The banking industry prefers the term “IC card” or “ICC”.
ID-1
- is the most popular of identification card formats in which the length and width are in the ratio 3:2 (hence the term 60:40 format). ISO 78/0 prescribes the actual dimensions as 85.60mm by 53.98mm.
ID Card
– is an abbreviation for identity card: a card that identifies both the bearer and the issuer. All financial transaction cards are I.D. cards.
IFD
– is an abbreviation for Interface Device: same as a Card Accepting Device or Read-Write Unit, the equivalent of a card reader.
IIN
– is an abbreviation for Issuer Identification Number: the purpose of the numbering system is to uniquely identify a card issuing institution in an international interchange environment. All IINs assigned are six digit numbers and each card issuer is entitled to one IIN (outside of its membership of any card schemes, for example an IIN assigned from Visa). Therefore only one IIN will be assigned to each card issuer. This IIN must be used only to identify the card issuer. Additional IINs will not be issued to identify products, services or geographical location.
ISDN
– is an abbreviation for Integrated Services Digital Network: an international communications standard for sending voice, video, and data over digital telephone lines or normal telephone wires. ISDN supports data transfer rates of 64 Kbps (64,000 bits per second).
ISO
– is an abbreviation for the International Standards Organisation, central body for formation and dissemination of industry standards for all national standards bodies.
ISO 1073
- is the ISO standard defining the OCR-A and OCR-B character sets for embossing on plastic cards. This details the Alphabetic character sets for optical character recognition. OCR-A is defined in Part 1 and OCR-B in Part 2 of the standard.
ISO 7810
– is the recognised standard for all credit cards and debit cards. Most ID cards are the same shape and size as specified by this standard.
ISO 7811
- is the ISO standard defining how information is recorded on ISO standard identification cards. It includes the following identification cards recording techniques:
Part 1: Embossing
Part 2: Magnetic stripe
Part 3: Location of embossed characters on ID-1 cards
Part 4: Location of read-only magnetic stripes – tracks 1 and 2
Part 5: Location of read – write magnetic track – track 3
ISO 7816
– is the base standard for Smart cards.
Imprinter
- is a device used to print embossed details from financial transaction cards on to sale vouchers.
Indent printing
- this is the technique where characters and numbers are 'stamped' into the plastic and 'infilled' with a tape, typically black. Used for the CVV verification numbers often placed on the signature panel on the reverse of credit cards. Indenting can be placed either to the face or reverse of a card.
Infill printing
- is the filling of otherwise blank areas of printed material with fine detail printing as a countermeasure against counterfeiting (see also fine line security pattern).
Integrated Circuit
– is an electronic component designed to perform processing and/or memory functions.
Integrity (of data or a message)
– means it has not been altered since it was originated.
Issuer
– means the institution identified on the card issued to the user.
Initialisation
– is the first stage of the card issuing process. The purpose of this process is to load all the data common to one application into the smart card’s EEPROM.
Insert
– is the term for a loose advert / papers that are sometimes included, but usually not secured, within a mailing, brochure, magazine, book or pack.
JCB
- is the abbreviation for Japan Credit Bureau (Japan's domestic credit card company established in 1961 by Sanwa Bank).
Java
– is an object oriented programming language developed by Sun Microsystems. Java is a machine independent language and offers considerable protection between applications.
Java Card
– is a smart card that supports applications written in JAVA.
Key
– is a device used in conjunction with a cryptographic algorithm to determine: (i) The transformation of plaintext (unencrypted text) data into cipher (encrypted text) data. (ii) The transformation of cipher text data into plain text data. (iii) A digital signature. (iv) A message authentication code. A key can come in many different forms and be regarded as a string of meaningless bits until it is used to encode or decode a message. The algorithm is generally (assumed to be) known, and what is kept secret is the key.
Key Card
– is a plastic card used to gain access to premises, usually associated with magnetic stripe and proximity cards.
Laser Engraved Cards
– see Polycarbonate cards.
Laser Engraving
– is a personalisation technique whereby personal data and a facial image can be burned into a plastic ID card or passport data page using a laser beam. This can be a three dimensional image. Printing inks and consumables are not used in this technology. The finished document is virtually tamper and forgery proof. Best results are produced using polycarbonate cards.
Laminate
– is a transparent plastic coating applied through heat or pressure to protect paper or card and give it a matt or gloss surface. Its purpose is to protect the printing on the card from being scratched off.
Lamination
– is the process of combining lamination material and core material using time, heat and pressure. Using plates on a press to fuse the various layers of a plastic card together. A clear plastic (usually about .0015” thick) is placed on the front and/or back of a card and fused to the printed core with heat and pressure over a period of time (15-25 minutes). Lamination finishes are available in “polish” (P) or “matte” (M). The polish or matte finish can be applied to either or both sides of the card.
Landscape
– is term used to describe the orientation of the page so that the long edge is along the bottom.
Lithography or Offset Printing
– is a common process for printing plastic cards utilising the concept that oil and water are not compatible. The ink represents the oil and the alkaline fountain solution represents the water. During printing ink adheres to the image area of a printing plate while the fountain solution repels the ink from the non-image areas.
Lockable Hopper
- this is a card hopper provided with a lockable door. This lock is intended to help prevent theft of blank card stock. This feature is especially helpful if using valuable card stock such as pre-printed cards, smart cards or cards with built-in security features such as holograms.
Low Coercivity Magnetic Stripe
– is magnetic tape that requires more than 300 Oersted to encode, change, or erase. LoCo magnetic stripes made from gamma ferric oxide.
Loyalty Card
– is typically a standard CR80 size card that has off line accounting capabilities e.g. mileage recording or merchandise purchases and often used as a retail frequent user card offering promotional benefits.
MCPU
– is an abbreviation for Multi Chip Processing Unit that performs electronic personalisation of memory and smart cards. Logika have designed a unit to be integrated within their Dominet systems.
Machine-Readable
– code or characters that can be read by machines e.g. OCR or simplex characters.
Magenta
– is the name of the shade of red from the standard four colour printing inks.
Magnetic Stripe
– is magnetic material, applied as a strip in the surface of a card, used to encode cardholder information. It is the strip of magnetic recording material typically found on an ID card.
Magnetic Stripe Card
– is a card that has a strip of magnetic tape material attached to its surface. This is the standard technology used for bankcards (ATM, credit, and debit cards) and for other applications.
Magnetic stripe reader
- is a device that reads information recorded on the magnetic tracks of an identification card.
Magnetic stripe writer
- is a device that writes information recorded to magnetic tracks on an identification card. Note that track 1 and track 2 are read-only on ISO standard cards.
Magnetic track
- is I linear path on a magnetic stripe along with data recorded. Positions of magnetic tracks are defined in ISO 7811.
Mailer Plus II
– this is Logika’s match mailing system designed to work either in tandem with machines from the Domi.Net series or, as a stand alone machine the system reads the magnetic strips, chips or bar codes of the plastic cards that pass through it, prior to attaching a card folding and inserting into an envelope.
MasterCard
- is an international payment systems organisation controlled by its members.
Match mailing
- is the process of inserting and sealing the card into an envelope along with any attachments, letter (or carrier) and / or promotional material. See also card inserting and mailing.
Membership Card
– is usually a club member card for ID purpose.
Memory Card
– is a type of smart card. Also known as a synchronous card, it features 256 bits or 32-byte memory and is suitable for use as a token or identification card. It is controlled only by fixed logic rather than by a microprocessor.
Micromodule
– is the electronic unit on a smart card. The mircomodule is formed of a chip and a contact plate, connected by fine wires and encapsulated in a drop of epoxy resin. The mircomodule is inserted into a cavity in the card body to form a finished card.
Microprocessor
– is a semiconductor device that can execute a program. In a microprocessor-based smart card, the processor is combined with memory, power control and other functions on a single “chip” of silicon.
Microprocessor Card
– is a type of smart card, also known as an asynchronous card. Features 1 kilobyte to 64 Kbytes of memory and is suitable for portable or confidential files, identification, tokens, electronic purse or any combination of uses.
Mifare Card
– is a proprietary contactless smart card standard, equivalent to ISO 14443 Type A.
Mondex
– is the electronic purse system developed by National Westminster Bank in the UK; it is now 51% owned by MasterCard International and is licensed to banks in many countries. Mondex is unusual amongst bank-owned electronic purse schemes in that the individual transactions are not reported back to the scheme owner, and transactions between purses are allowed. This makes it closer to a true cash substitute than other schemes.
Monochrome
– is a term to describe an item being reproduced in one colour. The one colour could be black or any Pantone ink colour.
Monochrome Thermal Printer
– is a transfer printer for paper and plastic card printing or badge personalisation for ID, security, membership, time attendance etc.
Multi-application Smart Card
– is a microprocessor smart card that can handle a variety of applications - typically with lots of memory and computing power – whilst maintaining separate security conditions.
Multos
– is an abbreviation for Multi-Application Operating Systems: a programming language developed by Mondex for systems using MAOS for smart cards.
NBS
- is the abbreviation for the US National Bureau of Standards – the predecessor body to the US National Institute of Standards and Technology. This body is the US government body concerned with the development of standards for use by the US federal government.
Non-magnetic Card
– is a card without a magnetic stripe e.g. ID cards.
OCR
– is an abbreviation for Optical Character Recognition: the technology that allows transforming paper documents into editable computer files. This technology is often used with OCR, ICR, OMR, and barcode recognition technologies for automated data capture, document recognition.
OCR-A
- is a character set for optical character recognition defined in ISO 1073 Part I.
OCR-B
- is a character set for optical character recognition defined in ISO 1073 Part 2.
Oersted
– The unit of magnetic coercive force used to define the difficulty of erasure of magnetic material.
Operating System
– is the programme that controls the flow of data in a computer and its peripherals.
Optical Card
– is a card with information recorded on an optical memory stripe, similar to compact disks.
Originals
– the basic elements of the artwork. These include photographs on print or transparencies, illustrations, line artwork etc.
Other Secure Card
– are usually retail, oil/gas, telecom, transport, and pay TV cards.
Overlay Varnish
– is a thin transparent layer applied to cards to resist scratching and fading from exposure to UV radiation.
Overs
– is a quantity of printed material in excess of the amount ordered.
Output Stacker
- is a stacking container used to store printed cards in a first-in/first-out order. This feature makes it easy to keep printed cards in a specific order for faster issuance or to print serialised cards.
Overlaminate
- is a protective clear or holographic material designed to offer advanced card security and durability.
Overlay Panel
- is the clear overlay panel CO) is provided on dye sublimation print ribbons. This panel is automatically applied to printed cards and helps prevent images from premature wear or UV fading. All dye sublimation printed images must have either this overlay panel or an overlaminate applied to protect them.
PAN
– is an abbreviation for Primary Account Number: the assigned number that identifies the card issuer and cardholder. This number is composed of an issuer identification number, individual account identification, and an accompanying check digit, as defined in ISO 7812.
PCMCIA Card
– is an abbreviation for Personal Computer Memory Card International Association: it is not considered to be a smart card, as, whilst this card type contains semiconductor chips, it is (a) physically thicker than a smart card, and (b) the connection means is through an edge connector, not via the standard surface-contact method.
PETG
– is an abbreviation for polyethylene terephthalate-glycol-modified: PETG is extremely clear and does not contain a UV inhibitor. (Polycarbonate)
PIN
– is an abbreviation for Personal Identification Number: it is the number or code that a cardholder possesses for verification of identity and must use to confirm authenticity of ownership. The code is usually 4 to 6 digits long.
POS
– is an abbreviation for Point Of Sale: these are the locations at which a transaction is contracted.
PVC
– is an abbreviation for Polyvinyl Chloride. This is the primary and most widely used material for plastic cards. A type of plastic used in production of laminated card bodies for certain types of cards, notably those that require embossing, signature panel or overlays.
Pay TV Card
– is usually a chip card subscribing to a television service e.g. satellite TV.
Pantone Matching System (PMS)
– is an international system and brand name of a colour matching system produced by Pantone, Inc of the USA used for colour standardisation. This is method of making sure that all specified colours used and specified in printing produce standard results across the industry. Colours are specified as numbers, i.e. PMS 032, PMS 300 etc., sometimes with a U (uncoated) or C (coated) suffix. This is used, as the colours often look totally different on each. Pantone inks provide a much greater range of colours than can be achieved by CMYK.
Paper Sizes
– ISO standard Metric Paper Sizes:
Payment Card
– is a card that is used as an identifier when used to transact full or part payment a bill. It enables the payees’ details to be swiftly recorded automatically and credit lodged against the account.
Personalisation
– is the printing encoding and programming of a card with data specific to an individual cardholder. It is the process by which specific information - such as applications and personal information – are loaded onto a smart card or magnetic stripe on an individual card after manufacture, including the cardholder data on the magnetic stripe or in the chip’s memory. Typically, the cardholder’s name and an expiry date is printed or embossed on the front. It may include other forms of personalisation such as a photograph.
Phone Card
– is a stored value card that allows the user to access telephone networks via a PIN number which is usually covered by a scratch-off panel for security.
Photo ID card
- is an identification card bearing a photographic image of the cardholder. The image can be an actual photograph or one captured wholly electronically.
Plastic card
- is a generic description of all payment cards including credit, debit and cheque guarantee.
Plastic key card
- is a token in the form of an identification card, e.g. hotel key cards.
Polycarbonate Cards
– are cards produced from a particular group of thermoplastics. These have the properties of high-durability, light weight and flexibility because they are polymers linked together by carbonate groups. Polycarbonate cards are stronger than Polyvinyl Chloride (PVC) cards and thus more expensive. However, for applications where longevity and higher security is pre- requisite e.g. National ID, Passport and Driver’s Licence cards, Polycarbonate cards are ideal. These cards are utilised where the virtually tamper-proof personalisation technique of laser engraving is required.
Polyvinyl chloride
- is one of two plastics (the other is polyvinyl chloride acetate) specified by ISO 7810 as a suitable material for identification cards.
Portrait
– is the orientation of the page so that the short edge is along the bottom.
Prepaid Card
– is a card paid for at Point of Sale and permits the holder to buy goods or services up to the prepaid value. Not all such cards show the identity of the bearer (e.g. phone cards).
Proof
– is a sample or prototype of the art instructions that the customer has supplied the card manufacturer.
Promotional Card
– is typically a card offering special benefits to users e.g. discounts or rewards.
Protected Memory Card
– is a smart card that requires a secret code or PIN number to be entered before the data can be sent/received from the chip.
Proximity Card
– is typically a contact less card whose presence and data can be sensed by an interface device not in physical contact with the card and used for access control applications. Embedded in the card is a metallic antenna coil, which allows it to communicate with an RF external antenna.
Quark Xpress
– Industry standard Desktop Publishing application suitable for accurate page Iayout and assigning Pantone ink shades and process colours that will separate correctly when plated.
RF/DC
– This is a method of communication without physical contact. Accomplished through the use of radio waves.
RFID
– is the abbreviation for Radio Frequency Identification: a technology which allows an object or person to be identified at a distance, without physical contact, using radio waves to energise and communicate with some form of tag or card.
Radio Frequency Card
– is a proximity card in which the coupling between the card and the interface device is by radio. These are generally credit card size plastic cards that communicate with a transceiver (transmitter and receiver), ranging in distance up to twenty feet.
Rainbow printing
- is infill printing using graded areas of colour that merge into one another.
Reader-writer
- is a device that can both read from and write to a recording medium.
Read-write track
- is track 3 on an ISO standard identification card.
Reflex hologram
- is a hologram produced in film form similar to a photonegative that gives full 3-D imagery.
Resolution
– is the dimension of the smallest element of an image that can be printed. Usually stated as dots-per-inch (dpi).
Retailer (Store) Card
– is a proprietary card used and issued by a retailer or retailing group.
Reversed Out
– is a printing technique producing white lettering on a solid background. Offset Litho Ink is transparent so offset printing cannot use white ink so any white type has to be made from the paper/plastic colour showing through a solid.
Run-on
– Often when a printing price is quoted it is given as a figure for the basic job plus a figure for additional copies, e.g. the price may be 2000 copies at ?300 with ?25 for a 500 run-on. This enables you to calculate a range of prices for different quantities. It is very important to note that the run-on price is for copies printed at the same time as the main run. For instance, in the example given, you could not have 2000 copies today and then expect to have another 500 at some future date for just ?25. In many cases the set-up and make ready charges represent a large proportion of the print cost.
Scan
– is the reading of a bar code with a device known as a scanner, which converts optical information into electrical signals, or the search for a symbol that is to be optically recognised. Scanning utilises the movement of a light source over a bar code and recognition of the reflective qualities of the returned signal.
Scratch Card
– is a card that is produced with special ink that can be scratched away to reveal a number or message.
Screen Printing
– is a method in which ink is forced through a design-bearing screen made of silk or other material onto the substrate being printed.
Screen Tints
– are determined by percentage of colours.
Secure Card
– are cards with an intrinsic value e.g. financial, other secure cards etc.
Security printing
- is printing which incorporates anti-counterfeiting measures such as fine-line security patterns, infill printing, lenticular patterns, rainbow printing and serial numbering, etc. and that is carried out under tightly controlled conditions to prevent fraud.
Signature pad
- is an electronic device that captures a digitised image of a person's signature to facilitate signature verification electronically.
Signature Panel
– is the area, usually a panel silk-screened or hot-stamped onto a laminated ID card, designated for the cardholder to enter a signature. A non-Iaminated card may not require a special signature panel application, since the raw plastic card will absorb the ink from a ballpoint pen.
SIM card
– is an abbreviation for Subscriber Identification Module: a smart card that connects to a GSM phone and establishes the users identity.
Single-application Smart Card
– is a smart card issued to a single organisation for a singular purpose.
Skimming
– is the fraudulent copying or alteration of the magnetic stripe stored information (e.g. credit limit) encoding from one (financial) card to another.
Smart Card/Contact Smart Card
- also called a "chip" card or IC card. A smart card is a plastic card with an embedded microchip that may be used to store information about the cardholder or record card transactions as they occur. Plastic credit sized card that contains one or more semiconductor chips. This is a credit card or SIM card sized plastic card with an embedded microcircuit that contains either a: Memory Card, Protected Memory Card or Microprocessor Card.
Spot Colour
– is a colour that is printed self-coloured inks such as Pantone rather than using four colour printing.
Smart Card Operating System
– is the software on a smart card that controls the operation of a card: manages the applications and provides services, such as secure segregation, memory management, input/output and access to cryptographic primitives.
Store card
- is a financial transaction card associated with a retailer or group of retail stores that can be used only for purchases from the retailers concerned.
Stored Value Card
– is a financial card e.g. cash card, electronic purse, prepaid card that is loaded with a certain amount of money/value e.g. loyalty points or credit for canteen meals with each 'purchase' amount deducted from the card.
Substrate
– is the material upon which a plastic card is printed.
Swatch
– is a colour specimen.
Swipe reader
- is a magnetic stripe reader in which the magnetic stripe is read by passing the card manually right through the reader past the magnetic heads.
Telephone Card
– is a. card that can be utilised for the payment of telephone calls. This type of card maybe a prepaid card, a credit card, or one that adds the cost of the call to a standard bill.
Terminal
– is any device that can communicate with a smart card e.g. a reader or a coupler. Certain terminals can operate in stand-alone mode, while others must be connected to a central information system to access an application.
Thermal Printing
- is the process of creating an image from a foil on a plastic card using a heated print head.
Thermal transfer overlaminate
- is a card overlaminate available in a .25 thickness that increases card security and durability; often used for moderate durability applications or when additional security (such as holographic images) are needed.
Tint
– is any area of colour on a print job that is made up of a halftone screen of one or more of the solid colours used on the job. Tints are expressed in percentages i.e. 10%, 20% etc. They are made up of a percentage of tiny dots of one of the ink colours. Laying tints is an extra cost on any job. Great care should be taken when selecting tints, as they can often look totally different on the finished job than they did on the designer s screen. Dark tints of 50% and more tend to look much darker on the printed job than on the screen, due to dot gain on the press.
Tipping/Topping
– is the personalisation technique of laying down a contrasting colour, by means of heated foil, onto the embossed OCR and simplex characters should they be applied to a card. This is done to make the characters easier to read and for cosmetic purposes.
Town card
- See City card.
Transaction
– is a business or payment event for the exchange of value for goods and services.
Transit Card
– is a magnetic or chip card used for transportation services e.g. bus, Underground, Metro cards.
Travel and Entertainment Card (T&E Card)
– is a card issued primarily for travel and entertainment expense activity by organisations and their employees.
USB
– is an abbreviation for Universal Serial Bus: comprising a serial 4 wire bus architecture for peripheral I/O ports.
UV Printing
- is printing with ink visible only under ultraviolet light. UV printing is used to print on plastic, foil, and specialty substrates. UV light is used to dry specially formulated inks that are printed on non-porous materials. In conventional printing, ink dries as it is absorbed into paper. Because plastic is not absorbent, the ink must be dried on the top surface it is absorbed into
Vector Graphic
– is the generic name given to any graphic created in applications such as Adobe Illustrator, Freehand or Corel Draw. These packages allow correct construction of a logo and access to electronic Pantone guides for assigning colours to cards so not to lose image size or quality. When it is saved in an EPS format it is perfectly suitable to use directly for any application that we support.
Visa
- is an international payment system or organisation controlled by its members.
Weigand wire
- is magnetic media embedded in cards used for access control applications.
AMVA--Association of American Motor Vehicle Agencies
ACCOUNT NUMBER--A unique sequence of numbers assigned to a cardholder account that identifies the issuer and type of financial transaction card.
ACQUIRER--A licensed member that maintains the merchant relationship and acquires the data relating to a transaction from the merchant or card acceptor and submits that data into interchange, either directly or indirectly.
ADDRESS VERIFICATION SERVICE--A fraud prevention tool designed for mail order, telephone order and Internet transactions.
AMC--American Magnetics Corporation
AUTHORIZE--A process defined in operations regulations whereby a transaction is approved by or on behalf of an issuer; commonly understood to be receiving a sales validation by the merchant, by telephone, or authorization terminal.
AUTOMATED TELLER MACHINE (ATM)--An unattended, magnetic stripe-reading terminal that dispenses cash; accepts deposits and loan payments; enables a bank customer to order transfers among accounts and make account inquiries.
BANKCARD--A debit or credit card issued by a bank or other financial institution, such as a MasterCard card or Visa card. BIOMETRICS--Biometrics utilize "something you are" to authenticate identification. This might include fingerprints, retina pattern, iris, hand geometry, vein patterns, voice password, or signature dynamics. Biometrics can be used with a smart card to authenticate the user. The user's biometrics information is stored on a smart card, the card is placed in a reader, and a biometrics scanner reads the information to match it against that on the card. This is a fast, accurate, and highly-secure form of user authentication.
BIT (Binary Digit)--The smallest unit of information in a binary system: a 1 or 0 condition.
BPI--Bits Per Inch.
BYTE--A binary clement string functioning as a unit. Eight-bit bytes are most common. Also called a "character".
BUSINESS CARD--A Business card is similar to the Corporate card, but issued to a business with a few employees and where each employee is responsible for their purchases.
CARDHOLDER--The customer to whom a card has been issued or the individual authorized to use the card.
CARDING--Credit card fraud. Carding texts offer advice on how to make credit cards, how to use them, and otherwise exploit the credit card system.
CASH DISBURSEMENT--A transaction that is posted to a cardholder's credit card account in which the cardholder receives cash at an ATM, or cash or travelers checks at a branch of a member financial institution or at a qualified and approved agent of a member financial institution.
CIRRUS SYSTEM INCORPORATED--A wholly owned subsidiary of MasterCard International Incorporated, operates the international ATM sharing association known as "Cirrus® ATM Network."
CLEANING--The process of exchanging financial transaction details between an acquirer and an issuer to facilitate posting of a cardholder's account and reconciliation of a customer's settlement position.
CO-BRANDED CARD--A credit card issued by a member bank and a merchant, bearing the "brand" of both.
CARDJET CARDS--Teslin®-based, CR-80 size cards with a surface that is specially formulated for thermal inkjet printing. CardJet Inks bond to cards and dry instantly, without smearing. CardJet cards stand up well to abrasion, dye-migration and UV fading.
CHECK READER--A peripheral device used to read encoded information on a check to be transmitted and processed by a computer or register for authorization and approval.
COERCIVITY--The measure of how much magnetic force is needed to change the state of a magnetized element. The higher the coercivity, the more force is needed. There are two types of magnetic stripe cards, low coercivity and high coercivity. While low coercivity cards can be erased if they get too close to a common magnet, high coercivity cards are not as easily erased.
COLOR MATCHING--Several color matching options are included with FARGO Card Printer/Encoders. These options are built directly into the printer driver so they are easily selected. Colors print with more clarity, detail, and accuracy.
COLOR MONITOR--A monitor that displays data and graphics in color. Color monitors vary in the number of colors, dot-pitch and intensities they can produce.
COMMPORT--Communications Port. Most IBM compatible computers have from one to four commports used to communicate with devices attached to the computer (COM1, COM2, COM3, COM4). You need a commport to communicate with the 712 Encoder.
COMMUNICATION PROTOCOL--The rules governing the exchange of information between devices on a data link.
CONTACT SMART CARD ENCODER--The contact smart card encoder connects the ISO contact pins mounted on the e-card docking station to a Gemplus GemCore 410 smart card coupler mounted inside the printer. The GemCore 410's digital I/O is converted to a RS-232 signal which is accessible to application programs through a dedicated DB-9 port on the outside of the printer labeled "Smart Card."
CONTACTLESS SMART CARD ENCODER--The contactless smart card encoder connects an antenna mounted on the e-card docking station to a Gemplus GemEasyLink 680SL coupler mounted inside the printer/encoder. Application programs can access Mifare® contactless cards via a RS-232 signal through a dedicated DB-9 port on the outside of the printer labeled "Mifare/Contactless."
CONTROL NUMBERS--Measure card usage and be used as a tracking device if the card is lost. ID Services will print these on cards after the numbers have been supplied.
CREDIT CARD AUTHORIZATION--The process in which a credit card is accepted, read and approved for a sales transaction. Credit card authorization is normally accomplished by reading a credit cared through a credit card reader that is integrated into a register or stand-alone reading device. Generally, pertinent credit information is transmitted via a modem and telephone line to a credit card "clearinghouse". The clearing house (authorization source) communicates with the credit card’s bank for approval and the appropriate debit amount of the sale.
CREDIT CARD READER (Magnetic Stripe Reader)--A device that reads the magnetic stripe on a credit card for account information to automatically be processed for a transaction. A credit card reader is either integrated into a register, attached onto a register as a separate component or is part of a stand-alone terminal dedicated for the sole function of processing credit card transactions.
CURSOR--A blinking symbol on the screen that shows where data may be entered next.
CUSTOMER POLE DISPLAY--A peripheral device designed to show customers information about their transaction. This information normally consists of a description and price of the product they are purchasing. Customer pole displays are also used to display marketing information and other messages.
COMMERCIAL CARDS--This is the formal name for a group of cards issued to businesses, commercial organizations and governments. Types of commercial cards include: Corporate Card, Purchase Card, and Business Card. Corporate card A Corporate card is usually issued to the employees of a corporation, where the corporation assumes all liability for the card's usage. These tend to be to larger corporations.
CURRENCY CONVERSION--The process by which the transaction currency is converted into the currency of settlement or the currency of the issuer for the purpose of facilitating transaction authorization, clearing and settlement reporting. The acquirer determines the currency of the transaction; the currency of the issuer is the preferred currency used by the issuer, and most often, the currency in which the cardholder will be billed.
DEBIT CARD--A plastic card used to initiate a debit transaction. In general, these transactions are used primarily to purchase goods and services and to obtain cash, for which the cardholder's asset account is debited by the issuer
DECODE--A term used to describe the process of interpreting scanned or "read" information and presenting it in a usable fashion to the computer.
DENSITY--Defined in bits per inch (BPI), recording density is the number of information bits which are recorded on one inch of a magnetic strip.
DIRECT THERMAL--Direct thermal is a printing technology method in which the printer utilizes a paper that reacts chemically to heat. The label rolls are coated with a thermo-sensitive layer that darkens when exposed to intense heat. Direct thermal printers require no ink or ribbon and are typically used when a bar code label needs to endure for a year or less.
DIRECT-TO-CARD (DTC) PRINTING--The Direct-to-Card printing process prints digital images directly onto any plastic card with a smooth, clean, glossy PVC surface.
DISKETTE / FLOPPY DISK--A flexible disk which holds information that can be read by the computer.
DOS (Disk Operation System)--The standard operation system for all computers advertised as "IBM Compatible".
DOT-MATRIX PRINTER--A printer that forms characters or images using a matrix of pins that strike an inked ribbon.
DOWNLOADING--The process of sending configuration parameters, operating software or related data from a central source to remote stations.
DPI (dots per inch)--Measurement of a printer's resolution. Example: 600 dpi indicates that the printer can produce 600 dots of color in each inch of a card. NOTE: When judging color reproduction for a CardJet Card Printer, the inkjet resolution must be at 2400 dpi or better to achieve the color equivalent of a 300 dpi dye-sub printer.
DUAL HOPPERS--Select FARGO Card Printer/Encoders provide a dual-stack, 200 card capacity Card inp<-b>ut Hopper. This unique dual hopper allows you to load up to 200 of the same type of card for maximum card production or allows you to load a different stack of cards into each hopper for added versatility and efficiency. Loading two different stacks of cards is often beneficial if, for example, you are using two types of preprinted card backgrounds (i.e. gold cards versus silver cards) in order to more easily distinguish between two types of members, employees, students, etc.
DUAL TRACK--A type of credit cared reader that is capable of reading both Track 1 and 2 on a credit card.
DYE-SUBLIMATION--Dye-sublimation is the print process FARGO Card Printer/Encoders use to print smooth, continuous-tone, photo-quality images. This process uses a dye-based ribbon roll that is divided into a series of color panels. The color panels are grouped in a repeating series of three separate colors along the length of the ribbon: Yellow, Magenta, and Cyan (YMC). As the ribbon and card pass simultaneously beneath the Printhead, hundreds of thermal elements heat the dyes on the ribbon. Once the dyes are heated, they vaporize and diffuse into the surface of the card. Varying the heat intensity of each thermal element within the Printhead makes it possible for each transferred dot of color to vary saturation. This blends one color into the next. The result is continuous-tone, photo-realistic color images.
E-CARD DOCKING STATION--FARGO provides an optional e-card docking station on select models that can be ordered with encoders for one, two or three different types of e-cards. These printer/encoders allow application software to read and/or store information in the memory of e-cards. The optional encoders provide everything needed for an application program to communicate with a specific type e-card through a standard RS-232 interface. The FARGO e-card docking station comes standard with the read/write pins (as defined by ISO) needed to communicate with contact smart cards. The e-card docking station can also be ordered with a magnetic stripe encoder for either an ISO magnetic stripe that supports dual high/low coercivity tracks 1, 2 and 3 or a JIS II magnetic stripe.
E-CARD ENCODER--Select FARGO Card Printer/Encoders support reading and/or storing information in up to three different types of e-cards: ISO 7816 contact smart cards, Mifare® contactless smart cards and HID proximity cards.
EDGE-TO-EDGE--Refers to the maximum printable area on a card. Printer/Encoders with edge-to-edge printing capability can print just to the edge of a card resulting in printed cards with virtually no border.
EMBOSSING--Raised characters are produced through the use of a male and female die brought together by pressure applied above and below a marking surface. Embossing is ideal for variable information data cards, strip tags, and identification molding processes.
EBT (ELECTRONICS BENEFITS TRANSACTION)--Allows governments to implement social aid programs such as food stamps through the use of a magnetic-stripe card, which can be accepted at merchant locations set up to accept this plan.
ELECTRONIC DRAFT CAPTURE (EDC)--A system in which the transaction data is captured at the merchant location for processing and storage.
ELECTRONIC FUNDS TRANSFER (EFT)--A paperless transfer of funds initiated from a terminal, computer, telephone instrument, or magnetic tape.
EMBOSS-The process of printing identifying data on a bankcard in the form of raised characters.
ENTERPRISE--An "enterprise" e-commerce solution indicates technology for a large business enterprise. This usually involves a number of systems that are required to interface with each other as well as a central database management system. The design and management of an enterprise solution can be very complex.
EMULATION--The imitation of a computer system, performed by a combination of hardware and software, that allows programs to run between incompatible systems.
ENCODER--A device used to write data onto magnetic stripe cards.
EPROM--Read-only, non-volatile, semi-conductor memory that is erasable via ultra violet light and reprogrammable.
EXPANSION BOARD / EXPANSION SLOT--The optional device board that is usually added inside the system cabinet at an available expansion slot.
FACTORING--Also known as laundering. When a merchant submits transactions for another merchant that were not conducted at the original merchant's business establishment, this is known as factoring.
FIRMWARE--A computer program or software stored permanently in PROM or ROM.
FIELDS--A specific position on each track where data may be written or read.
FIXED DATA--Data which doesn't change. In Card Template, data remains constant from encoding session to encoding session. This means that, until it is modified, each card will encoded with this information. In Set-Up/Encode Fields, data is fixed.
FOIL--Decorative foils are applied to cards with heat. If you have a specific foil in mind, we can apply it for you, ID Services has a wide variety to choose from.
HAND-HELD DATA COLLECTOR--See Portable Data Collector
HARD DISK DRIVE--Enclosed disk drive that contains one or more metallic disks for data storage. A hard disk has many times the capacity of a diskette.
HIGH COERCIVITY--See coercivity.
HIGH-VOLUME PRINTING--Fast, efficient printing for producing large quantities of cards with minimal down time for supplies loading or maintenance.
HIGH DEFINITION PRINTING™ (HDP™)--The High-Definition Printing process prints full-color images onto clear HDP transfer film. The HDP film is then fused to the card through heat and pressure via a heated roller. This revolutionary technology enhances card durability and consistently produces the best card color available - even on tough-to-print matte-finished cards, proximity cards, and smart cards.
HIGH SPEED PRINTING--FARGO Card Printer/Encoders are among the fastest desktop card printer/encoders in the industry. High-speed printing allows for more efficient card production - saving time, money, and resources.
HOLOGRAM--This security feature prevents the reproduction of ATM/Bank cards and credit cards. ID Services has a variety of holograms to choose from or will apply your own custom hologram.
HOST COMPUTER--A central computer, such as a mainframe computer at a company’s headquarters or central office. The central computer in a star network.
ISO--International Standards Organization specification for magnetic stripe encoding. The FARGO encoder supports dual high/low coercivity and tracks 1, 2 and 3.
ID CARDS--An important record-keeping tool for hospitals, nursing homes, healthcare providers, insurance companies and colleges/universities are ID cards. ID Services offers them in four sizes, CR50, 60, 70 and 80, to fit any standard imprinting or embossing system. ID Services offers a variety of card compositions to meet the needs of the specific application. Composite cards are recommended for College/University ID’s due to their flexibility and long life span.
IN-COUNTER SCANNER--A bar code scanner that normally has multiple laser beams emitting from it to read bar codes in high-speed environments (i.e. grocery stores). An in-counter scanner is usually mounted into a countertop so that products can quickly and easily be passed over the scanner for bar code reading.
IMPRINTER--A device supplied to the merchant to produce an image of the embossed characters of the bankcard on all copies of sales drafts and credit slips.
ISSUER--A member that enters into a contractual agreement with MasterCard or Visa to issue MasterCard or Visa cards.
JIS II--Japanese Industrial Standard for magnetic stripe encoding, published and translated into English by Japan Standards Association.
KEYLOCK CARDS--Hotels and resorts all over the world are changing the traditional door locks to electronic swipe key cards. Keylock cards are becoming a necessity to keep hotel guests safe. For excellent performance, the cards must match the system and the applications. ID Services offers roll-on magnetic stripes as well as laminated magnetic stripes in both high energy and low energy coercivity with the hotel and/or its logo perfectly printed.
KEY GENERATOR--Any tool designed to break software copy protection by extracting internally-stored keys, which can then be entered into the program to convince it that the user is an authorized purchaser.
KEY LOGGER--(Keystroke Logger). A program that runs in the background, recording all the keystrokes. Once keystrokes are logged, they are hidden in the machine for later retrieval, or shipped raw to the attacker. The attacker then peruses them carefully in the hopes of either finding passwords, or possibly other useful information that could be used to compromise the system or be used in a social engineering attack. For example, a key logger will reveal the contents of all e-mail composed by the user. Keylog programs are commonly included in rootkits and RATs (remote administration trojans).
LCD DISPLAY--The LCD - or Liquid Crystal Display - shows the current status of the printer, and changes according to the printer's current mode of operation. LCD communicates an error with text, which is easier to interpret than LED lights.
LOW COERCIVITY--See coercivity.
LASER SCANNER--A bar code scanner that utilizes laser technology. These scanners emit laser beams that read bar codes. Laser scanners have "depth of field" which enables them to read bar codes from short distances away (6" to a few feet).
LED (Light Emitting Diode)--A semiconductor light source that emits visible light or invisible infrared radiation.
LOCKABLE HOPPER--Some FARGO Card Printer/Encoders provide a lockable Card Hopper Door. This lock is intended to help prevent theft of your blank card stock. This feature is especially helpful if using valuable card stock such as preprinted cards, smart cards, or cards with built-in security features such as holograms.
MAGSTRIPE STRIPE--The magnetically encoded stripe on the bankcard plastic that contains information pertinent to the cardholder account. The physical and magnetic characteristics of the magnetic stripe are specified in ISO Standards 7810, 7811, and 7813.
MAGNETIC STRIPE READER--A device that reads information recorded on the magnetic stripe of a card.
MEMBER--An institution that participates in the programs offered by MasterCard International Incorporated.
MERCHANT--A retailer, or any other person, firm, or corporation that (pursuant to a merchant agreement) agrees to accept credit cards, debit cards, or both, when properly presented.
MAS (Merchant Accounting System)--The Vital back-end system that handles settlement, interchange and billing.
MERCHANT BANK--A bank that has entered into an agreement with a merchant to accept deposits generated by bankcard transactions; also called the acquirer or acquiring bank.
MCC (MERCHANT CATEGORY CODE)--Four-digit classification codes used in the warning bulletin, authorization, clearing, and settlement systems to identify the type of merchant business in various stages of transaction processing.
MMS (MERCHANT MANAGEMENT SYSTEM)--The Vital front-end system that handles point of sale functions such as terminal types, cut-off times, etc.
MOTO (MAIL ORDER/TELEPHONE ORDER)--A transaction initiated by mail or telephone to be debited or credited to a bankcard account.
MAGNETIC STRIPE--The black stripe found on the back of most credit cards and many other types of identification cards and drivers licenses. Used to encode and read data, usually identifying the owner of the card.
MAGNETIC (“MAG”) STRIPE--Mag Stripe refers to the black or brown magnetic stripe on a card. The stripe is made of magnetic particles of resin. The resin particle material determines the coercivity of the stripe; the higher the coercivity, the harder it is to encode -- and erase -- information from the stripe. Magnetic stripes are often used in applications for access control, time and attendance, lunch programs, library cards, and more.
MAGNETIC STRIPES--Offered in five different sizes and are available in both low coercivity (300 oersteds) and high coercivity (2750 (USA), or 4000 (European) oersteds.)
· 1/8" Covers one track (HEM only)
· 5/16" Covers two tracks
· 6/16" Covers three tracks (3/8")
· 7/16" Covers three tracks
· 8/16" Covers three and one half tracks (1/2")
· 9/16" Covers four tracks (super stripe)
· We can apply roll-on magnetic stripes as well as flush laminated magnetic stripes.
For additional security ID Services offers holo-magnetic stripes. The stripes are custom made with your company name appearing in the stripe. Multiple magnetic stripes can be applied to each card.
MAGNETIC STRIPE READER--See Credit Card Reader
MASTER REGISTER--A cash register that acts as the central register or "file server" in a multiple register environment. The master register normally controls "slave" registers that are networked and cable to it.
MEGABYTE--A unit of measure that consists of 1,014 bytes.
MICROCOMPUTER (Personal Computer)--A small. low cost computer originally designed for individual users. Recently, microcomputers have become powerful tools for many businesses that, when networked together, have replace minicomputers and in some cases mainframes and information tools.
MICRO-PRINTING--Very small text printed into the plastic card and generally look like thin lines to the naked eye. The text is printed at 9600 dpi (dots per inch) and require a magnifying glass to view the micro-printed text. Desktop card printers print at 300 dpi and can not reproduce micro-printing making micro-printing a very handy feature when checking for counterfeit cards.
MICROPROCESSOR--Integrated circuit chip that monitors, controls and executes the machine language instructions.
MICR READER--MICR is an acronym for Magnetic Ink Character Recognition. MICR Readers are normally used to read the encoded information within the ink on a check.
MODEM (Modulator - Demodulator)--A device used to convert serial digital data for transmission over a telephone channel, or to reconvert the transmitted signal to serial digital data for acceptance by a receiving terminal.
MONOCHROME MONITOR--A monitor that displays characters in only one color, such as amber or green.
MULTI-USER--Multi-user systems consist of two or more computers that are connected together and that share data and peripherals. A multi-user system includes a host computer (file server) and one or more stations. All stations share the same hard disk and may share other devices such as printers.
MTBF (Mean Time Between Failures)--The average time between failures of a particular device based on statistical or anticipated experience.
NETWORK--A communications system connecting two or more computers and their peripheral devices.
NETWORK CARD--An expansion card that is installed in an available slot in a computer so that it may connect and communicate to another computer.
OPERATING SYSTEM--System that consists of several programs that help the computer manage its own resources, such as manipulating files, running programs and controlling the keyboard and screen.
OUTPUT STACKER--The Output Stacker stores printed cards in a first-in/first-out order. This feature makes it easy to keep printed cards in a specific order for faster issuance or to print serialized cards.
OVERSIZED CARDS--Oversized cards are used for more efficient visual identification and are available in many non-standard sizes. The most popular sizes are CR-90 (3.63" x 2.37"/92mm x 60mm) and CR-100 (3.88" x 2.63"/98.5mm x 67mm).
OVERLAMINATE--Protective clear or holographic material designed to offer advanced card security and durability. Two types are available from FARGO: Thermal Transfer Overlaminate is a .25 mil thick material that enhances card security and durability. PolyGuard Overlaminate is available in a 1 mil and .6 mil thick material and provides extraordinary protection for applications that require highly durable cards.
OVERLAY PANEL--The clear overlay panel (O) is provided on dye-sublimation print ribbons. This panel is automatically applied to printed cards and helps prevent images from premature wear or UV fading. All dye-sublimation printed images must have either this overlay panel or an overlaminate applied to protect them.
OVER-THE-EDGE--Refers to the maximum printable area on a card. Printer/Encoders with over-the-edge printing capability can print past the edge of a card resulting in printed cards with absolutely no border.
PARALLEL TRANSMISSION--Transmission mode that sends a number of bits simultaneously over separate lines. Usually unidirectional.
PERIPHERAL DEVICE--Hardware that is outside of the system unit, such as a disk drive, printer, cash drawer or scanner.
POLLING--A means of controlling devices on multi-point line. Usually utilized to send/receive information via modem from remote computers to a central computer.
POLYGUARD™--A card overlaminate available in 1 mil and .6 mil thicknesses that provides extraordinary card protection; ideal for harsh or more secure environments. Available as clear or with embedded holographic-type security images.
POS (Point-of-Sale)--Term normally used to describe cash register systems that record transactions or the area of "checkout" in a retail store.
PIN NUMBERS--This security feature will activate usage of the card. Once the numbers have been supplied from our customers, ID Services can apply them to the customer cards.
PINPAD--A "pin pad" is a small keyboard that normally contains numeric keys. PIN is an acronym for personal identification number which is normally entered into the keyboard "pad" to verify account information for a transaction (i.e. similar to an automated teller machine).
PORTABLE DATA COLLECTOR--A hand-held computer that can be used as a stand alone portable unit for point-of-sale, inventory, receiving and other applications. A portable data collector is normally a temporary storage device that gathers information and downloads data into a main or central computer.
PROGRAMMABLE KEYBOARD--A keyboard that is capable of being configured and programmed in a variety of ways. Programmable keyboards allow keys to represent special departments, functions, product, etc.
PROJECTION SCANNER--A type of bar code reader that is normally placed vertically, and that projects laser beams horizontally to scan bar codes. Often used when high performance and speed to reading bar codes is critical.
PROTOCOLS--A set of rules for the exchange of information, such as those used for successful data transmission.
PROXIMITY (“PROX”) CARD--Proximity cards allow access and tracking utilizing contactless technology (usually by communicating through a built-in antenna).
PROX CARD ENCODER--The prox card encoder uses a HID ProxPoint® Plus reader mounted on the e-card docking station inside the printer/encoder. The ProxPoint is a "read only" device producing a Wiegand signal that is converted to RS-232 using a Cypress Computer Systems CVT-2232. Application programs can read information from HID prox cards via a RS-232 signal through a dedicated DB-9 port on the outside of the printer labeled "Prox."
PVC (POLYVINYLCHLORIDE)--These cards are manufactured for mechanical style embossing and to be our least expensive card option. They are available in 23 different colors and three different card finishes. Heat distortion occurs at 130°F and the cards will flex approximately 2,500 flex cycles. Estimated normal card life: 18 months.
PDF (PORTABLE DOCUMENT FORMAT--Adobe's file format is the de facto standard for electronic document distribution. It is the preferred means of distributing documents online because it preserves fonts, formatting, colors and graphics regardless of the application or platform used to create it. The Adobe Acrobat Reader, required to read PDF files, is available free from the Adobe web site.
PIN PERSONAL IDENTIFICATION NUMBER)--A four-to-12 character secret code that allows an issuer to positively authenticate the cardholder for the purpose of approving an ATM or terminal transaction occurring at a point-of-interaction device.
POTS (PLAIN OLD TELEPHONE SERVICE)--The standard analog telephone service with no enhancements like call waiting, etc.
PURCHASE CARD--The Purchase card is issued to corporations, businesses and governments. It provides control over daily and monthly spending limits, total credit limits, and where the card may be used. It also reduces the administrative cost associated with authorizing, tracking, paying, and reconciling those purchases. Many employees may be issued the same card number.
RAM (Random Access Memory)--Temporary storage that holds the program and data the CPU is processing.
RESIN THERMAL TRANSFER--Resin Thermal Transfer is the process used to print sharp black text and crisp bar codes that can be read by both infra-red and visible-light bar code scanners. It is also the process used to print ultra-fast, economical one-color cards. Like dye-sublimation, this process uses a thermal Printhead to transfer color from the ribbon roll to the card. The difference, however, is that solid dots of color are transferred in the form of a resin-based ink which fuses to the surface of the card when heated. This produces very durable, single-color images.
SCALE--A scale is a peripheral device used to record the weight of an item and transmit the amount to a computer for processing.
SCRATCH-OFF PANELS--Applied through hot stamping or silk screening. Typically they are used to cover pin numbers on pre-paid phone cards.
SERIAL TRANSMISSION--Transmission mode that sends data one bit at a time. In most cases, in personal computers, serial data is passed through as RS232 serial interface port.
SIGNATURE CAPTURE--A peripheral device that electronically captures an individual’s signature for customer identification and transaction applications.
SLAVE REGISTER--A cash register that is driven by a "master" register in a multiple register environment.
SMART CARD--A smart card contains a "chip" with memory and is typically used to hold customer account information and a "balance" of money similar to a checking account. The card is inserted into a device that can read and write to it updating information appropriately.
SMART CARD--Smart cards have an embedded computer circuit that contains either a memory chip or a microprocessor chip. There are several types of smart cards: Memory, Contact, Contactless, Hybrid (Twin), Combi (Dual Interface), Proximity and Vicinity.
SMARTGUARD™--SmartGuard is a printer security option that uses a custom access card and a built-in reader to restrict printer access. With this feature, only those with a valid access card can print cards. This makes both your printed cards and your overall system more secure.
SMARTLOAD™--SmartLoad is an exclusive FARGO technology used in CardJet Card and Ink Cartridges to advise you on the status of your CardJet supplies. In CardJet Ink Cartridges, SmartLoad technology reports the number of prints remaining in the cartridge and alerts you when ink is low or out. In CardJet Card Cartridges, SmartLoad technology tells you to install a new cartridge when the card supply runs out.
SMARTLOAD CARD CARTIDGE--Cartridge that is pre-loaded with CardJet Cards at the factory. They snap into the back of the printer in just seconds. SmartLoad technology inside the cartridges alerts you to install a new cartridge when the card supply runs out.
SMARTLOAD INK CARTIDGE--CardJet Ink Cartridges are available with both full-color and black (used for infrared bar codes only) inkjet inks. Cartridges snap into the printer just like the cartridges used in other familiar office or home inkjet printers. SmartLoad technology inside the cartridges reports the number of prints remaining in the cartridge and alerts you when ink is low or out.
SMARTSHIELD™--This option allows the printer/encoder to print custom, reflective security images on the card that fluoresce under a black or UV light source.
SOLENOID--Solenoids are commonly used in "dumb" cash drawers and incorporate a cable connected trigger which releases the drawer. Cash drawers with solenoids are interfaced to receipt printers that "drive" them. Solenoids have different voltages and are integrated into the cash drawer dependent on the printer they are interfaced to.
STANDARD CARDS--The standard card size is CR-80. CR-80 dimensions are 3.375" x 2.125" (85.6mm x 54mm).
THERMAL TRANSFER--Thermal transfer is a printing technology method in which printers use regular paper and a heat sensitive ribbon. The ribbon deposits a coating of dark material on the paper when exposed to intense heat. Thermal transfer printers produce a more durable label that won’t fade as quickly as direct thermal labels and are often used when a label needs to endure longer than a year.
THERMAL TRANSFER OVERLAMINATE--A card overlaminate available in a .25 mil thickness that increases card security and durability; often used for moderate durability applications or when additional security (such as holographic images) are needed.
TILL--The paper money and currency tray that holds money in a cash drawer. Tills are usually available in 4 or 5 till versions, available with lock and cover and are removable.
TRACK--One of up to three portions of a magnetic stripe where data can be written.
TRACK 1--Track one is a "track" of information on a credit card that has a 79 character alphanumeric field for information. Normally a credit card number, expiration date and customer name are contained on track 1.
TRACK 2--Track two is a "track" of information on a credit card that has a 40 character field for information. Normally a credit cad number and expiration date are contained on track 2.
TRACK3--Track three is a "track" of information on a credit card that has 107 character field for alphanumeric information. Normally a credit card number, expiration date and room for additional information are available on track 3.
UNIX--UNIX is a terminal based operation system in which "dumb" terminals are communicating back to a "smart" processing unit or host.
UPS--An acronym for uninterruptible power source. A UPS is primarily used as a back up power source for computers and computer networks to insure on-going operation in the event of a power failure. Sophisticated units also have power conditioning and power monitoring features.
UV INKS--most commonly used to put hidden graphics and text on a plastic card. The inks are invisible until the card is subjected to a certain colored light (for instance, when placing a California drivers license under a black light the image of the California flag will become visible in green and orange.) UV inks are used as an aid in detecting counterfeit cards. They come in a variety of colors and can react to different colored lights. Desktop card printers are unable to print UV ink.
VARIABLE DATA--is information which changes with each encoding session or on a card-by-card basis.
VERTICAL SCANNER--See Projection Scanner.
WAND--A pen-shaped bar code scanner that emits a beam from the end or tip of the wand. Wands are older, bar code reading technology but inexpensive and still widely used where speed and performance are not crucial.
WEDGE--A wedge decodes "read" data (i.e. bar codes, credit cards) and communicates that information through a keyboard port on a computer. The keyboard plugs into the wedge and the wedge device plugs into the computer where the keyboard was. Sophisticated wedges can accept a few different peripheral devices. Also See Decode
ABA Routing Code ni. ABA Routing Number
Terminology (Used word- explanation )
Parking (parked) - Installing device
Lips - Reader
Jacket (dress jacket) - Installing reader on ATM
Trousers - Pinpad
Dress trousers - Installing pinpad on ATM
Ironing jacket - Charging battery of reader
Ironing trousers-Charging battery of pinpad
Cover - Big panel, on which pinpad placing
Piece of iron , box, parking - ATM
Stuff - Cards or tracks
Second step - Cashing
Institute - Bank (like Finance institute)
Observer - Person, who take care of all working
Fitter - Person, who install and take off device
Inhabitant - Cardholders
Side-show - Time of device working (ex: today a lot of inhabitant on side-show)
Sofa - Model of ATM
Citroen - Model of ATM
Flat - Model of ATM
Toothed - Model of ATM
Disco - Model of ATM
Tourists - Group of workers who must install device
Chief - Head of group
Harvest - Stuff from one ATM
Bank-emitent (Issuing bank) - bank which has issued the card
Billing address - the card owner address
Drop - innerman. His task is to receive the money or goods and, accordingly, to give the part of the earnings to you.
Biling - office, which has agreement with a bank. Also this office assumes payments for the cards.
Card bill - it's a Bank emitent card bill.
Bank-equirer - bank, in which the store opens the account.
Merchant account - bank account for accepting credit cards.
Merchant Bank - bank, through which occur the payments between the buyer and the salesman (frequently it is used as synonym "bank-equirer").
Cardholder - owner of the card.
Validity - suitability card using.
White plastic - a piece of the pure plastic, where the information is plot.
CR-80 - rectangular piece of pure white plastic (without the drawing image) with the size of a credit card with the magnetic strip.
Transaction - charege to the credit card
POS terminal (Point Of Sale terminal) - reading card device, which stands at commercial point.
PIN-code - the sequence, which consists of 4-12 numbers. It is known only to the owner of card. By simple words password for the work with ATM and so on.
AVS - the card owner address checking. It is used for the confirmation of the card belonging exactly to its holder.
"Globe" - card holographic gluing with the image of two hemispheres (MasterCard).
Pigeon (hen) - card holographic gluing with the image of the flying pigeon (VISA).
Reader - information reading device for the readout from the magnetic strip of card.
Encoder - read/write device for the magnetic track of the card.
Embosser - card symbol extrusion device.
Card printer - card information printing device.
Exp.date - card validity period.
Area code - the first of 3 or 6 numbers of the card owner phone.
CVV2, cvv, cvn - 3 or 4 additional numbers, which stand at the end of the number of card.
ePlus - program for checking the cards.
BIN - first 6 numbers of the card number due to those it is possible to learn what bank issued out the card and what is the type of this card (ATM-card, credit, gold, etc.). Synonym of word "Prefix".
Chargeback - the cardholder's bank voids the removal of money from its card.
Dump - information, which is written to the magnetic strip of the card, it consists of 1,2 or 3 tracks.
Track (road) - a part of the dump with the specific information. Every 1-st track is the information about the owner of the card, 2-nd track - information about the owner of card, about the bank issued the card, etc. 3-rd track - it is possible to say - spare, it is used by stores for the addition of the points and other.
Slip - synonym to the word "cheque" (conformably to card settlings).
Card balance - money sum that finding on the card account.
MMN Mothers Maiden Name, important if you want to change the billing address
some terms:
Automated Clearing House (ACH) - the automated clearing house. The voluntary association of depositors, which achieves clearing of checks and electronic units by the direct exchange of means between the members of association.
Continuous Acqusition and Life-cycle Support (CALS) - the integrated system of the production guaranteeing, purchase and expluatation. This system makes possible to computerize all data about the design, development, production, servicing and the propagation of the production.
Debit Card - Card, which resembles the credit card by the method of using, but making possible to realize direct buyer account debiting at the moment of the purchase of goods or service.
Delivery Versus Payment (DVP) - the system of calculations in the operations with the valuable papers, which ensures the mechanism, which guarantees that the delivery will occur only in the case of payment and at the moment of payment.
Direcht debit - payment levy method, mainly, with the repetitive nature (lease pay, insurance reward, etc.) with which the debitor authorizes his financial establishment to debit his current account when obtaining of calculation on payment from the indicated creditor.
Electronic Fund Transfer (EFT) - the remittance of means, initiated from the terminal, telephone or magnetic carrier (tape or diskette), by transfer of instructions or authorities to financial establishment, that concern to the debiting or crediting of the account (see Electronic Fund Transfer/Point of Sale - EFT/POS).
Electronic Fund Transfer/Point of Sale - EFT/POS - debiting from the electronic terminal, for the means transfer purpose from the account of a buyer into the payment on the obligations, which arose in the course of transaction at the point of sale.
Integrated Circuit (IC) Card - It is known also as chip card. Card equipped with one either several computer micros-chip or integrated microcircuits for identification and storing of data or their special treatment, utilized for the establishment of the authenticity of personal identification number (PIN), for delivery of permission for the purchase, account balance checking and storing the personal records. In certain cases, the card memory renewal during each use (renewed account balance).
Internet - the open world communication infrastructure, which consists of the interrelated computer networks and which provides access to the remote information and information exchange between the computers.
International Standardisation Organisation (ISO) - International organization, which carries out standardization, with the staff office in Geneva, Switzerland.
Magnetic Ink Character Recignition (MICR) - System, which ensures the machine reading of the information, substituted by magnetic inks in the lower part of the check, including the number of check, the code of department, sum and the number of account.
RSA - the coding and autentification technology, developed in 1977 in MIT by Rivest, Shamir and Adel'man, which subsequently opened their own company RSA Data Sechurity, Inc., purchased recently by the company Security Dynamics Technologies, Inc.
Real-Time Gross Settlement (RTGS) - the payment method, with which the transfer of means is achieved for each transaction in obtaining of instructions about the payment. Decrease the risk with the payment.
Smart Card - card equipped with integrated circuit and microprocessor, capable to carrying out the calculations.
System risk - the risk, with which the incapacity of one of the payment system participants either financial market participants as a whole to fullfill their obligations causes the incapacity of other participants or financial establishments to fulfill its obligations (including obligations regarding the realization of calculations in means transfer systems) properly. This failure can cause significant liquidity or crediting problems and, as result, it can cause loss to the stability of financial markets (with the subsequent action on the level of economic activity).
Truncation - procedure, which makes it possible to limit the physical displacements of a paper document, in the ideal version, by the bank of the first presentation, by the replacement by electronic transfer of entire or part of the information, which is contained on this document (check).
Tipper - a machine designed for use with PVC plastic cards to create raised print. (basically a plastic card embosser)
COB - Change of billing. Used for online carding, to change the billing address of a card since Online Stores will only ship large items if the billing and shipping address match. You can obtain these from vendors in CP. Once you have this, you can easily change the card address to that of your drop so that the stores ship items to your drop, since the billing and shipping addresses will match.
For example white guy is walking across Harlem without money, get in fast to the nearest bank. Has communicated to the manager, has signed that was given to sign and he already can spend $3000 as soon as will receive a card, and becomes a cardholder. It’s called Credit line - the amount of the credit which the bank lets to spend.
Has come through road in weapon, has bought on a card a colt and at it has increased
Current Balance - how much was spent, so much then needed to return to bank. It’s subtracted from credit line.
Available Credit - how much money is available for spending.
The card or the credit usually is given for year or some years. Therefore there is expiration date is written on the card.
Expiration date - month and year of ending a contract with a bank. For example 10/2009.
Each card is unique on a planet. For this reason it has:
Card Number - number, usualy 16-digit. Rarely you can see 13-digit. In American Express by default 15 digits.
Watch and take care of all this large object of calculations on credit cards Visa and Mastercard/Eurocard - international payment systems. In Visa number of a card begins from 4, at Masterkard - 5. Other brands not so are developed (American Express, Discover, JCB, the Gold Crown, etc.)
It happens that cards drop, byt people don’t pay attention to it as it similar to a peace of soap and go further. And for preventing stealing money by some cleaners who can find it and try to make shopping-day for themselves it is written:
Cardholder’s Name – a name and a surname of card’s holder (not owner because card – bank’s property. It’s given to client only to use)
And for preventing just memorizing card’s info and using it by another persons by phone or internet it is written
CVC2 Or CVV2 - three confidential fdigits in small print on another side of card. On Mastercard it is called Card Validation Code, on Visa - Card Verification Value.
Statement - monthly report of all movements of money (transactions) with a card where are specified cost of a staff, services of the lawyer, the tax to entertainments etc.
There are available such important for bank and unloved by cardholders fields as
Minimum Payment Due - the amount of monthly payment calculated and recalculated every month, the client should return to bank for spended. Total amount divides for remained months till the end of the contract, plus percents and client pays parts of total amount every month.
Payment Due Date – last day cardholder must pay his Minimum payment due fir month.
LATE FEE – dayle percent for payment delay.
From limits in statement you can also see
Cash Advance Limit – the whole amount you can receive from card by cash (not for once). One-time limit on CA usually for about $500. But in different banks it can be more or less.
That’s about all of main.
Other terms:
Plastic - actually a card as it is, but not at the owner, and the duplicate in carder’s hand.
PIN number - the four-digit number. It’s a password for access to a card through a cash dispense and sometimes through a site of bank.
E-shop - an online shop site where on a card it is possible to order the goods.
billing address, billing - the residing address where Statement goes to.
billing phone – holder’s phone which the bank or a shop calls for any cases.
shipping address - the address where the shop should send the ordered goods. For large purchases it is required, that it is the same as billing address or has been entered in bank site in properties of a card as, or couldl be troubles. Troubles with a shop dares by calling - i.e. a call to shop with purchase acknowledgement, billing and shipping addresses and all loyalty. If you have troubles with English or German language, it is possible to order call-services which (professionally whenever possible) will do all you need. Caller need all information which will demand a shop at conversation. In different shops it’s different.
Order - number of the order which was made on a shop. What’s the result of caller’s and shop’s communication, you may get know not only from caller, but also from a shop site after a while. An order can have different statuses depending on shop and a software which was used in it.
So calling may be not necessary if you use
enroll - access to the card data through a bank site. Each bank has different system. Somewhere for enrolling a card you may need only
MMN (mother's maiden name) - maiden surname of holder’s mother. Somewhere together with
DOB (date of birth) - a date of birth (holder’s of course) or
SSN (social security number) - individual number of each person.
Somewhere a combination of them and with PIN number or even with
DL (driver's license) - number of holder’s driving license. Usually it is private information.
But there is services of finding SSN, DOB, MMN, DL in databases (for money of course). If there is no time to look up for this data you can by
card with full info (or simply full info) – all cardholder’s data, sufficient for enrolling card on a bank site.
Once you've enrolled the card, it is possible to change billing phone and billing address. Usually address changes on drop’s address.
Drop - the person, who’ll be agree to accept and resend bought goods (stuff). He does it usually for money or beautiful promises – there are different ways to get drops. Usually this things does
Drop-service (in Russia we call this guy dropovod) - the expert in washing of drop’s brains.
There are two types of drops – who know that the work they do is out of law and who don’t know it. It’s simpllier to work with people who know about this business they can call to shop and help you in another things but they rip oftener. Anothers you should to get by telling tales (work on “big company” and smth like this).
So about orders. The best and its last status:
shipped - it is sent on the shipping address. If drop-service (dropovod) reliable and drops at their stable, you can start to dance – things were stilled successful. You need just tell about it to drop-service.
Track (tracking number) - unique number of a parcel in delivery service, for example in DHL, UPS or FedEx. It appears on a shop site in details of the order after sending. By this number you can trace the parcel status where it is on the site of delivery service chosen for sending and that. As soon as the status becomes
delivered - it is delivered, responsibility for the stuff goes to drop (or drop-service) and within the next few days he will pay for the goods (at least he should do it). By the way, watch where the parcel was delivered to. It’s happens that the parcel comes back in the shop delivered means delivered back to sender.
I hope that you’ll have never met negative statuses of order (canceled, declined, suspended, FBI, USSS) and drop-service or drop won’t rip you. So good luck in you work guys!
P.S. Ask you don’t beat for errors – better improve and update )
The following glossary of terms and definitions is to help you understand the terminology associated with the production of plastic cards, some of which is unique to this industry and with which you may not be familiar. We hope you find it a useful adjunct to this web site. You can use the 'quick links' below to help navigate the glossary.
4-Colour Process
- is a printing term for full colour printing. It is the process of combining four primary printing colours to create a printed colour picture or colours composed from the basic four colours. See CMYK.
ABS
- an abbreviation for Acrylonitrile Butadiene Styrene is a common plastic material used for the manufacture of moulded card bodies. The plastic used to make moulded (or injected) card bodies for certain cards (See PVC). Plastic material used to manufacture cards that are resistant to heat distortion.
ANSI
- is the abbreviation for American National Standards Institute. This is the US national member body of the International Organisation for Standardisation.
ASCII
- is an abbreviation for American Standard Code for Information Interchange. This is a standard way of assigning numerical codes to characters and control codes. There are 128 alpha / control characters.
ATB
- is the abbreviation for an automated ticket and boarding pass machine at an airport, which accepts a financial transaction card to pay for an airline ticket, and issues a ticket and boarding pass.
ATM
- is an abbreviation for Automated Teller Machine (cash machine) is a device usually sited in a public place allowing cardholders to conduct basic banking operations including cash withdrawal.
Access card
- a machine-readable card used to achieve computer access, physical entry or passage.
Access Control Card
- is a plastic card used to gain/control access to premises or enter restricted areas. Usually associated with magnetic or chip cards and proximity cards with or without photo e.g. ID badges.
Acrobat PDF
– is a popular electronic document format. It embeds all typefaces, graphics and age layout information into the one compact file. Its appearance won’t change regardless of computer platform or printer. This makes it ideal for proofing work electronically.
Algorithm
- is a set of computational rules specifying the procedures to perform a specific computation. It is a mathematical routine used to perform computations (often used for cryptography).
Alpha test
- is the initial trial run of a new program, system or hardware within the organisation that developed it. See beta test.
Alphanumeric
– is a term to describe a mixture of letters and numbers – often used in passwords.
Angewandte Digital Elektronik
- is the European contactless card association (ADE).
Applet
– is a small program by which new features and services can be downloaded to a smart card even after the card has been issued, e.g. EMV, PKI or electronic purse applications.
Applications Programme
– is a programme that carries out a particular task e.g. word processing packages, databases and spreadsheets.
Area 1
- is the part of the embossing area reserved for identification of the card issuer and cardholder card issuer (defined in ISO 7811).
Area 2
- is the part of the embossing area provided for cardholder identification data such as name and address (defined in ISO 7811).
Artwork
– includes images, text or original illustrative copy or layout ready for print reproduction at pre-press stage.
Authentication
– is the process of determining the precise identity of someone who conducts an online transaction or who sends an online communication. Often used in conjunction wit Credit or Debit card transactions. This is a technique to confirm the identity of a card or a computer system.
Bps
- is an abbreviation for Bits-Per-Second which is the measure of Data transmission speed, the number of pieces of information transmitted per second. See Baud.
Barcodes
– are printed codes made from vertical lines of different thickness used for fast error free data entry. An array of machine-readable rectangular bars and spaces arranged in a specific way defined in international standards to represent letters, numbers, and other human-readable symbols.
Baud
– is a unit of transmission or signalling speed. The speed in baud is the number of discrete conditions or signal elements per second. It is now largely obsolete, often confused and now largely replaced by "bits per second" (Bps).
Beta test
- is the first public test of a new programme, system or hardware, under controlled conditions with selected users. See alpha test.
BIN
- is the card issuer identification number.
Biometrics
– is a term given to the group of technologies or authentication techniques that that rely on biological phenomena to enable people to be recognised and identified by their individual characteristics. The main types of biometric systems currently available include signature, fingerprint, hand geometry, retinal eye pattern, voice pattern and keyboard rhythm. Signature and fingerprint seem to have the best commercial advantages and are being considered for the UK retail banking system in the longer term. It is the technique of studying physical characteristics of a person.
Biometric Identifier
– is a certain physical (fingerprint) or biological (voice) characteristic of an individual that serves as a unique identifier. The identifier can be electronically stored and compared for positive identification purposes. The identifier can be recorded digitally and by comparing it with stored records the individual can be identified using some physical (fingerprint) or biological (voice) characteristic that acts as a personal identifier.
Binary
– is a numbering system in which the numbers are expressed as various combinations of 1 and 0. In computing terms, these can be represented electrically as on or off.
Bit
– is short for binary digit – the smallest unit of computer storage. Binary digits can be either 1 or 0.
Bitmap
– this is an image stored as a series of bits, in a grid type format when enlarged.
Blank Cards
– are cards with no printing usually used in imaging machines.
Bleed
– is the term for the part of an image or printing that extends beyond the Trim Marks on a page or beyond the actual size of the card - it is said to ‘bleed off the sheet’. Usually, in a printing project, a bleed will cost more to produce than one that does not bleed. A bleed requires sheet larger than the finished size of the piece to print on.
Bromide
– is a black and white proof on photographic paper.
Buffered data
- decoded data from a magnetic stripe read - held in temporary memory until needed.
Bureau service
- is a contract service card issuers, whereby printed blank cards can be embossed, thermally printed or laser engraved and encoded with cardholder and other data and, in some cases despatched to cardholders.
Byte
- is a sequence of eight bits usually operated on as a unit.
CMYK
– is an abbreviation for the colours cyan, magenta, yellow and black around which printing is based. This term is also applied to plastic card printer ribbons together with further abbreviations e.g. OKTH where O = Clear Overlay, K = Black, T = Top Coat Panel Ribbon and H = Heat Seal Panels.
CAD
- is the abbreviation for computer-aided design.
CAM
– is an abbreviation for Card Authentication Method: the method (usually Static or Dynamic Data Authentication) used to verify that a card has come from a valid issuer and has not been tampered with.
CAT
– is an abbreviation for Cardholder Activated Terminal. Card schemes further subdivide CATs into groups, for example, low-value vending machines, limited-value (e.g. petrol pumps) and unlimited value on-line terminals (e.g. kiosks and ticket booking systems).
CB
– is an abbreviation for the French “GIE Cartes Bancaires” which is an umbrella body controlling the card operations of the French banks. It sets standards as well as running the data network. The current CB standard card does not conform to ISO 7816 (its contacts are closer to the top of the card), but a migration is planned.
COS
– is an abbreviation for Card (Chip) Operating System
CPU
– is an abbreviation for Central Processing Unit that is the chip that is the brains of a computer. It is also known as the processor. Explanation: The CPU processes data and instructions. It does calculations and does what the software programs tell it to do. The CPU is the most important part of a computer.
CR80 Card
– is the description for a standard credit card size (3 3/8" x 2 1/8" x .030). Dimensions are 3.375" x 2.125" (85.6 mm x 54mm).
CVM
– is an abbreviation for Cardholder Verification Method: the signature, password, PIN or biometric used to check the identity of the cardholder, particularly for bankcards.
Card Accepting Device
– is a device used to communicate with smart card during a transaction.
Card Five
– is an ID card software used in design and printing of plastic cards. Powerful, yet easy to set-up and use, it has all the features needed to produce ID cards.
Cardholder
– is the person to whom a personal card was issued (not necessarily the person holding the card).
Card inserting and mailing
- is the process of inserting and sealing the card into an envelope along with any attachments, letter (or carrier) and / or promotional material. See also match mailing.
Card issuer
- is an individual or organisation that issues cards to individual or corporate cardholders.
Card jitter
- is poorly aligned recording on the magnetic tracks of the identification card.
Card scheme
- is an organisation or payment system which manages and controls the operation and clearing of transactions through their rules. Banks and building societies must be members of the appropriate schemes to issue cards and acquire card transactions. Examples of schemes are MasterCard, Europay, Visa, American Express, Diners Club and Switch.
Cash dispenser
- is the simplest form of ATM. Which permits only cash withdrawal.
CEN
- is the abbreviation for Comite Europ?en Normalisation – the European Standards Association.
Centronics
– is a standard interface for connecting printers and other parallel devices. Parallel ports on PC’s almost all conform to the Centronics standard. Two new parallel port standards (backwards compatible) with Centronics, offer faster transmission rates, are ECP (Extended Capabilities Port) and EPP (Enhances Parallel Port).
Character height
- is the maximum permitted height of embossed characters on an identification card. For ISO standard card this is 4.32mm (defined in ISO 7811.
Character spacing
- is the nominal spacing of embossed characters on an identification card. For 150 standard cards this is 3.63mm with a minimum spacing between two consecutive characters of 3.48mm (defined in ISO 7811).
Charge Card
– is a payment card that provides automatic credit within a given invoice date (usually monthly).
Cheque guarantee card
- is a card issued by a bank or building society for the purpose of guaranteeing settlement of cheques to third parties or supporting the encashment of cheques at financial institutions up to a specified value. Most debit and some credit cards may also function as cheque guarantee cards (multifunction cards).
Chip
– is an integrated circuit that carries card intelligence. Embedded in the plastic surface of a card and hidden by the communication contacts. It is a piece of silicon etched with an electronic circuit.
Chip Card
– is another name for a smart card; refers to a plastic card with an embedded integrated circuit, which offers memory and micro processing capabilities.
Chromalin Proofs
– are the most common way of exchanging final artwork for printing. Cromalin is registered name for a printer’s proof manufactured by Dupont. See also Digital Cromalin.
Citycard
- is a multi-application prepayment card for use within a specific urban area - also known as town card.
CKS
- is the abbreviation for Checksum – a control procedure used by applications in verifying the integrity of a card.
Closed pre-paid system
- is a system where the issuer and acquirer of the card are the same party - i.e. the card issuing party also provides those services that can be accessed by the card e.g. a university card.
Co-branding
- is a card issuing agreement between a bank and a commercial organisation, e. g. such as between MBNA and Watford Football Club.
Coercivity
– is measure of the strength of a magnetic field. Fields are expressed as low or high by the terms LoCo and HiCo.
Cold Glue Adhesion
– Cold Glue or polyvinyl acetate (PVA) is the premium multi-purpose wood and paper adhesive which dries by evaporation of water and without heat to form a tough, sturdy, non-visible strong bond. It has excellent adhesion to paper and cardboard.
Colour Separation
– is the division of colour into basic elements e.g. CMYK or flat pantone by a process of scanning or page make-up from a computer. Separate printing plates are needed for each colour.
Combi Card
– is a smart card with both “contact” and “contactless” technology on one card.
Company Card
– is a card issued to or by a company for use by an employee for business-related transactions (e.g., purchases, logical access, physical access).
Contact
– is a point of electrical connection between a smart card and its external interface device.
Contactless Smart Card
– is a smart card that transmits and receives data using radio frequencies (RF) technology to communicate with compatible terminal. Eliminates physical contact or insertion into reader terminal while retaining intelligence. Often used in walk-by or gate access applications for mass transit.
Contact Smart Card
– is a smart card that requires physical contact with a card reading device to exchange data. Any card where information is transferred to a reader via a series of contact points located on the card.
Credit Card
– is a term used for a card allowing its owner to spend money with no immediate reimbursement.
Cryptography
– is one of the sciences of keeping information secure using mechanisms and practices to encode data for security purposes.
CVC and CVV
- is the abbreviation for the verification code from MasterCard and card verification code from Visa. Encrypted numeric value contained in the data on the magnetic stripe, which can be checked to ensure that the information has not been altered in any way.
Cyan
– is a shade of blue used in four-colour printing.
DDA
– is an abbreviation for Dynamic Data Authentication: authentication of a card using a challenge and response mechanism.
DES
– is an abbreviation for Data Encryption Standard: the name of the Federal Information Processing Standard (FIPS), which describes the data encryption algorithm (DEA) or standard. When used for communication, both sender and receiver must know the same secret key, which can be used in encrypt or decrypt the message, or to generate and verify a message authentication code.
DKV
- is the abbreviation for Deutscher Kraftverker – the German service company that issues the most widely accepted and used pan-European fuel card.
Data capture terminal
- is an electronic payment terminal that captures transactions for later offline processing.
Data integrity
- is data with integrity has not been altered or destroyed in an unauthorised manner.
Debit Card
– is a card similar to a credit card, but differs by immediately withdrawing money from an account and transferring it to another account. It replaces cheques (with no delay to give the issuer time to cover it) and does not have a credit line associated.
Degaussing
– is a term for magnetic stripe data erasure.
Digital Cromalin
– is a system that makes it possible to produce digital colour proofs that reproduce the quality of the final result with very high reliability. Chromalin is a registered trademark of Agfa and is an accurate colour proof that is made from imaged film using a powder instead of ink.
Digital Imaging
- is the scanning or otherwise capturing of images that may be subsequently edited, filed or displayed on a plastic card.
Digital Optical Laser Card
– is a portable card that passively stores information in the form of high-density marks or bars.
Direct-to-Card (DTC) Printing
- is the process of printing digital images directly onto any plastic card with a smooth, clean, glossy PVC surface.
Domi.net Series
– are a range of modular products from Logika Technology Srl which can be pre-specified to include personalisation units such as the MCPU unit (see below), magnetic stripe encoding, embossing wheels, thermal printing, colour printing and tipping units. These systems can also be retro fitted.
Duplex
– refers to the transmission of data in two directions simultaneously. In card printing terms it means printing simultaneously to the front and reverse of the card.
DPI Resolution
– dots per inch usually equate to pixels e.g. a 35mm slide (1.25" x 1") scanned at 2700dpi this will approximately equate to a 3400 x 2700-pixel image. When printed with a 300dpi printer its final size would approximate 11" x 9".
Dye Sublimation
– is an imaging method for transferring controlled quantities of printer ribbon dye onto a plastic card. Inside a dye-sublimation printer is a long roll of transparent film that resembles sheets of red, blue, yellow, and grey coloured cellophane stuck together end to end. Embedded in this film are solid dyes corresponding to the four basic colours used in printing: cyan, magenta, yellow and black. As the print head heats up and passes over the film, this causes the dyes to vaporise and permeate the glossy surface of the card before they return to solid form. The solidity of the colours give dye-sublimation images a more realistic feel, unlike the images printed by inkjet printers that utilise individual dots.
Edge to edge
- refers to the maximum printable area on a card. Printer/encoders with edge-to-edge printing capability can print just to the edge of a card resulting in printed cards with virtually no border.
EEPROM
– means Electrically Erasable Programmable Read-Only Memory. This is a memory technology that can be electronically erased and rewritten.
EFT-POS
– is an abbreviation for Electronic Funds Transfer at Point of Sale: electronic payment.
Electronic Purse (e-purse)
– is a smart card that contains electronic money. It is sometimes called the electronic wallet or the stored value card (SVC).
Embossing area
- is the area on an identification card within which embossing is located (defined in ISO 7811).
e-wallet
– is a small portable device that contains electronic money. E-wallets are generally used for low-cost transactions.
EMV
– is an abbreviation for the collaboration of the Europay-Mastercard-Visa specifications for chip-based payment cards.
EPOS
– is an abbreviation for Electronic Point of Sale (terminal): a networked programmable electronic till.
EPROM
– is an abbreviation for Electrically Programmable Read-Only Memory. This is a memory technology that can be written only once before being erased using ultraviolet light, after which it may be written again.
EPS File
– is an abbreviation for Encapsulated PostScript file: a form of postscript used by a graphic designer to produce a company logo for a card. EPS files are generated from vector graphics originated in applications such as Illustrator, Freehand or Corel Draw.
Embedding
– is an operation to place a microchip module in the cavity of the card body. An electrical test is carried out and the embedded module is then encoded.
Embossing
– is the action whereby metal dies are used to raise / stamp characters in relief on the front surface of a plastic card. The raised letters or numbers are usually tipped with a contrasting coloured foil.
Encoding
– is the process of electronically “writing” or recording information on magnetic stripes or smart card chips. Encoded information or machine-readable codes placed on the cards for use with automatic reading devices e.g. automatic tellers, cash dispensers, and point-of-sale terminals.
Encryption
– is the scrambling of data for confidentiality purposes: a practice that allows only intended recipients to decode information and unintelligible to unauthorised parties.
Envelope Sizes
– ISO standard metric envelope sizes:
Euro
- is a European Union currency.
Europay
- is an international payment association controlled by its members and is MasterCard's strategic partner in Europe.
Expiry Date
– is the date after which a card, account, or application ceases to be valid for transaction use, unless an exception process is used to gain permission.
Farrington 7B
- is a type font comprising letters and digits only and used for embossing text on identification cards (defined in ISO 7811).
Ferrous oxide
- are the metal 'rust' particles that are used to make magnetic stripes. The controlled rusting (oxidation) determines the recording characteristics of the magnetic material.
Financial Hologram Card
– is a card using a hologram, 30 mil thickness, ISO cards, e.g. MasterCard / Visa and others.
Financial Cards (Other)
– are typically Debit, Cheque, Charge or ATM cards not using a hologram.
Firewall
– is an application or a dedicated computer that protects the resources of one network from users on other networks.
Foil Stamping
– is hot stamp printing achieved by using pressure and heat to affix coloured foil in to tile plastic surface.
Four Colour Process
– is the method of printing in full colour by colour separation producing lour colour plates for printing cyan, magenta, yellow and black.
Fuel card
- is a special purpose charge card used most by transport drivers to pay for fuel on the road
Fulfilment
– is the process by which the card is matched to a letter, inserted into an envelope, metered and delivered to the Post Office. Personalisation is available using several different methods along with continuous form equipment or individual hand fulfilled piecework.
GSM
– is an abbreviation for Global System for Mobile Communication: a communications standard for mobile phones.
Generic Card
– is a card that utilises a base card stock of a pre-designed, centralised image and is not individualised to a specific issuer (or department) within its basic design. It may have an IIN (Issuer Identification Number) that groups the issuer with other organisations (for benefits of scales of volumes) but the users’ card can be subsequently individualised by personalisation techniques.
Gift Card
– is a standard or custom size CR80 card with a stored or prepaid value placed on the card through magnetic striping or bar coding. Usually a retail card initiated at cash desks or checkouts.
Graduation
– is the smooth transition from one tone or colour to another, or the range of values between black and white. Graduation can be used to achieve advanced designs in cards of one or two colours.
Http
– is an abbreviation for Hypertext transfer protocol: a client/server protocol used for connections to servers on the World Wide Web. Addresses of Websites begin with an http:// prefix.
Halftone
– is the name printers’ use for a photograph that has to be turned to a fine dot pattern before being printed. This process is called screening and is the process by which continuous tone is simulated by a pattern of dots of varying size.
Health Card
– is a card used to store information about medical history or insurance coverage. Commonly used in the USA these cards can be of any technology.
High Coercivity Magnetic Stripe
– is magnetic tape that requires more than 2,750 Oersted to encode, change, or erase.
Hologram
– is a unique form of photographic printing that is a flat optical image that to the naked eye looks and provides a three-dimensional effect on a flat surface. Holograms cannot be easily copied and are used for security and aesthetic purposes on cards.
Hologram card
- is an identification card bearing a hologram as a security measure against counterfeiting.
Holographic Foil
– is the foil used to carry embossed holographic images.
Holographic Technology
- adjective of or relating to holography or holograms.
Hybrid Cards
– are cards that support more than one technology, such as an IC (integrated circuit) card with a magnetic stripe.
IC
- is an abbreviation for Integrated Circuit.
IC Card
– is an abbreviation for Integrated Circuit or “chip card”. The banking industry prefers the term “IC card” or “ICC”.
ID-1
- is the most popular of identification card formats in which the length and width are in the ratio 3:2 (hence the term 60:40 format). ISO 78/0 prescribes the actual dimensions as 85.60mm by 53.98mm.
ID Card
– is an abbreviation for identity card: a card that identifies both the bearer and the issuer. All financial transaction cards are I.D. cards.
IFD
– is an abbreviation for Interface Device: same as a Card Accepting Device or Read-Write Unit, the equivalent of a card reader.
IIN
– is an abbreviation for Issuer Identification Number: the purpose of the numbering system is to uniquely identify a card issuing institution in an international interchange environment. All IINs assigned are six digit numbers and each card issuer is entitled to one IIN (outside of its membership of any card schemes, for example an IIN assigned from Visa). Therefore only one IIN will be assigned to each card issuer. This IIN must be used only to identify the card issuer. Additional IINs will not be issued to identify products, services or geographical location.
ISDN
– is an abbreviation for Integrated Services Digital Network: an international communications standard for sending voice, video, and data over digital telephone lines or normal telephone wires. ISDN supports data transfer rates of 64 Kbps (64,000 bits per second).
ISO
– is an abbreviation for the International Standards Organisation, central body for formation and dissemination of industry standards for all national standards bodies.
ISO 1073
- is the ISO standard defining the OCR-A and OCR-B character sets for embossing on plastic cards. This details the Alphabetic character sets for optical character recognition. OCR-A is defined in Part 1 and OCR-B in Part 2 of the standard.
ISO 7810
– is the recognised standard for all credit cards and debit cards. Most ID cards are the same shape and size as specified by this standard.
ISO 7811
- is the ISO standard defining how information is recorded on ISO standard identification cards. It includes the following identification cards recording techniques:
Part 1: Embossing
Part 2: Magnetic stripe
Part 3: Location of embossed characters on ID-1 cards
Part 4: Location of read-only magnetic stripes – tracks 1 and 2
Part 5: Location of read – write magnetic track – track 3
ISO 7816
– is the base standard for Smart cards.
Imprinter
- is a device used to print embossed details from financial transaction cards on to sale vouchers.
Indent printing
- this is the technique where characters and numbers are 'stamped' into the plastic and 'infilled' with a tape, typically black. Used for the CVV verification numbers often placed on the signature panel on the reverse of credit cards. Indenting can be placed either to the face or reverse of a card.
Infill printing
- is the filling of otherwise blank areas of printed material with fine detail printing as a countermeasure against counterfeiting (see also fine line security pattern).
Integrated Circuit
– is an electronic component designed to perform processing and/or memory functions.
Integrity (of data or a message)
– means it has not been altered since it was originated.
Issuer
– means the institution identified on the card issued to the user.
Initialisation
– is the first stage of the card issuing process. The purpose of this process is to load all the data common to one application into the smart card’s EEPROM.
Insert
– is the term for a loose advert / papers that are sometimes included, but usually not secured, within a mailing, brochure, magazine, book or pack.
JCB
- is the abbreviation for Japan Credit Bureau (Japan's domestic credit card company established in 1961 by Sanwa Bank).
Java
– is an object oriented programming language developed by Sun Microsystems. Java is a machine independent language and offers considerable protection between applications.
Java Card
– is a smart card that supports applications written in JAVA.
Key
– is a device used in conjunction with a cryptographic algorithm to determine: (i) The transformation of plaintext (unencrypted text) data into cipher (encrypted text) data. (ii) The transformation of cipher text data into plain text data. (iii) A digital signature. (iv) A message authentication code. A key can come in many different forms and be regarded as a string of meaningless bits until it is used to encode or decode a message. The algorithm is generally (assumed to be) known, and what is kept secret is the key.
Key Card
– is a plastic card used to gain access to premises, usually associated with magnetic stripe and proximity cards.
Laser Engraved Cards
– see Polycarbonate cards.
Laser Engraving
– is a personalisation technique whereby personal data and a facial image can be burned into a plastic ID card or passport data page using a laser beam. This can be a three dimensional image. Printing inks and consumables are not used in this technology. The finished document is virtually tamper and forgery proof. Best results are produced using polycarbonate cards.
Laminate
– is a transparent plastic coating applied through heat or pressure to protect paper or card and give it a matt or gloss surface. Its purpose is to protect the printing on the card from being scratched off.
Lamination
– is the process of combining lamination material and core material using time, heat and pressure. Using plates on a press to fuse the various layers of a plastic card together. A clear plastic (usually about .0015” thick) is placed on the front and/or back of a card and fused to the printed core with heat and pressure over a period of time (15-25 minutes). Lamination finishes are available in “polish” (P) or “matte” (M). The polish or matte finish can be applied to either or both sides of the card.
Landscape
– is term used to describe the orientation of the page so that the long edge is along the bottom.
Lithography or Offset Printing
– is a common process for printing plastic cards utilising the concept that oil and water are not compatible. The ink represents the oil and the alkaline fountain solution represents the water. During printing ink adheres to the image area of a printing plate while the fountain solution repels the ink from the non-image areas.
Lockable Hopper
- this is a card hopper provided with a lockable door. This lock is intended to help prevent theft of blank card stock. This feature is especially helpful if using valuable card stock such as pre-printed cards, smart cards or cards with built-in security features such as holograms.
Low Coercivity Magnetic Stripe
– is magnetic tape that requires more than 300 Oersted to encode, change, or erase. LoCo magnetic stripes made from gamma ferric oxide.
Loyalty Card
– is typically a standard CR80 size card that has off line accounting capabilities e.g. mileage recording or merchandise purchases and often used as a retail frequent user card offering promotional benefits.
MCPU
– is an abbreviation for Multi Chip Processing Unit that performs electronic personalisation of memory and smart cards. Logika have designed a unit to be integrated within their Dominet systems.
Machine-Readable
– code or characters that can be read by machines e.g. OCR or simplex characters.
Magenta
– is the name of the shade of red from the standard four colour printing inks.
Magnetic Stripe
– is magnetic material, applied as a strip in the surface of a card, used to encode cardholder information. It is the strip of magnetic recording material typically found on an ID card.
Magnetic Stripe Card
– is a card that has a strip of magnetic tape material attached to its surface. This is the standard technology used for bankcards (ATM, credit, and debit cards) and for other applications.
Magnetic stripe reader
- is a device that reads information recorded on the magnetic tracks of an identification card.
Magnetic stripe writer
- is a device that writes information recorded to magnetic tracks on an identification card. Note that track 1 and track 2 are read-only on ISO standard cards.
Magnetic track
- is I linear path on a magnetic stripe along with data recorded. Positions of magnetic tracks are defined in ISO 7811.
Mailer Plus II
– this is Logika’s match mailing system designed to work either in tandem with machines from the Domi.Net series or, as a stand alone machine the system reads the magnetic strips, chips or bar codes of the plastic cards that pass through it, prior to attaching a card folding and inserting into an envelope.
MasterCard
- is an international payment systems organisation controlled by its members.
Match mailing
- is the process of inserting and sealing the card into an envelope along with any attachments, letter (or carrier) and / or promotional material. See also card inserting and mailing.
Membership Card
– is usually a club member card for ID purpose.
Memory Card
– is a type of smart card. Also known as a synchronous card, it features 256 bits or 32-byte memory and is suitable for use as a token or identification card. It is controlled only by fixed logic rather than by a microprocessor.
Micromodule
– is the electronic unit on a smart card. The mircomodule is formed of a chip and a contact plate, connected by fine wires and encapsulated in a drop of epoxy resin. The mircomodule is inserted into a cavity in the card body to form a finished card.
Microprocessor
– is a semiconductor device that can execute a program. In a microprocessor-based smart card, the processor is combined with memory, power control and other functions on a single “chip” of silicon.
Microprocessor Card
– is a type of smart card, also known as an asynchronous card. Features 1 kilobyte to 64 Kbytes of memory and is suitable for portable or confidential files, identification, tokens, electronic purse or any combination of uses.
Mifare Card
– is a proprietary contactless smart card standard, equivalent to ISO 14443 Type A.
Mondex
– is the electronic purse system developed by National Westminster Bank in the UK; it is now 51% owned by MasterCard International and is licensed to banks in many countries. Mondex is unusual amongst bank-owned electronic purse schemes in that the individual transactions are not reported back to the scheme owner, and transactions between purses are allowed. This makes it closer to a true cash substitute than other schemes.
Monochrome
– is a term to describe an item being reproduced in one colour. The one colour could be black or any Pantone ink colour.
Monochrome Thermal Printer
– is a transfer printer for paper and plastic card printing or badge personalisation for ID, security, membership, time attendance etc.
Multi-application Smart Card
– is a microprocessor smart card that can handle a variety of applications - typically with lots of memory and computing power – whilst maintaining separate security conditions.
Multos
– is an abbreviation for Multi-Application Operating Systems: a programming language developed by Mondex for systems using MAOS for smart cards.
NBS
- is the abbreviation for the US National Bureau of Standards – the predecessor body to the US National Institute of Standards and Technology. This body is the US government body concerned with the development of standards for use by the US federal government.
Non-magnetic Card
– is a card without a magnetic stripe e.g. ID cards.
OCR
– is an abbreviation for Optical Character Recognition: the technology that allows transforming paper documents into editable computer files. This technology is often used with OCR, ICR, OMR, and barcode recognition technologies for automated data capture, document recognition.
OCR-A
- is a character set for optical character recognition defined in ISO 1073 Part I.
OCR-B
- is a character set for optical character recognition defined in ISO 1073 Part 2.
Oersted
– The unit of magnetic coercive force used to define the difficulty of erasure of magnetic material.
Operating System
– is the programme that controls the flow of data in a computer and its peripherals.
Optical Card
– is a card with information recorded on an optical memory stripe, similar to compact disks.
Originals
– the basic elements of the artwork. These include photographs on print or transparencies, illustrations, line artwork etc.
Other Secure Card
– are usually retail, oil/gas, telecom, transport, and pay TV cards.
Overlay Varnish
– is a thin transparent layer applied to cards to resist scratching and fading from exposure to UV radiation.
Overs
– is a quantity of printed material in excess of the amount ordered.
Output Stacker
- is a stacking container used to store printed cards in a first-in/first-out order. This feature makes it easy to keep printed cards in a specific order for faster issuance or to print serialised cards.
Overlaminate
- is a protective clear or holographic material designed to offer advanced card security and durability.
Overlay Panel
- is the clear overlay panel CO) is provided on dye sublimation print ribbons. This panel is automatically applied to printed cards and helps prevent images from premature wear or UV fading. All dye sublimation printed images must have either this overlay panel or an overlaminate applied to protect them.
PAN
– is an abbreviation for Primary Account Number: the assigned number that identifies the card issuer and cardholder. This number is composed of an issuer identification number, individual account identification, and an accompanying check digit, as defined in ISO 7812.
PCMCIA Card
– is an abbreviation for Personal Computer Memory Card International Association: it is not considered to be a smart card, as, whilst this card type contains semiconductor chips, it is (a) physically thicker than a smart card, and (b) the connection means is through an edge connector, not via the standard surface-contact method.
PETG
– is an abbreviation for polyethylene terephthalate-glycol-modified: PETG is extremely clear and does not contain a UV inhibitor. (Polycarbonate)
PIN
– is an abbreviation for Personal Identification Number: it is the number or code that a cardholder possesses for verification of identity and must use to confirm authenticity of ownership. The code is usually 4 to 6 digits long.
POS
– is an abbreviation for Point Of Sale: these are the locations at which a transaction is contracted.
PVC
– is an abbreviation for Polyvinyl Chloride. This is the primary and most widely used material for plastic cards. A type of plastic used in production of laminated card bodies for certain types of cards, notably those that require embossing, signature panel or overlays.
Pay TV Card
– is usually a chip card subscribing to a television service e.g. satellite TV.
Pantone Matching System (PMS)
– is an international system and brand name of a colour matching system produced by Pantone, Inc of the USA used for colour standardisation. This is method of making sure that all specified colours used and specified in printing produce standard results across the industry. Colours are specified as numbers, i.e. PMS 032, PMS 300 etc., sometimes with a U (uncoated) or C (coated) suffix. This is used, as the colours often look totally different on each. Pantone inks provide a much greater range of colours than can be achieved by CMYK.
Paper Sizes
– ISO standard Metric Paper Sizes:
Payment Card
– is a card that is used as an identifier when used to transact full or part payment a bill. It enables the payees’ details to be swiftly recorded automatically and credit lodged against the account.
Personalisation
– is the printing encoding and programming of a card with data specific to an individual cardholder. It is the process by which specific information - such as applications and personal information – are loaded onto a smart card or magnetic stripe on an individual card after manufacture, including the cardholder data on the magnetic stripe or in the chip’s memory. Typically, the cardholder’s name and an expiry date is printed or embossed on the front. It may include other forms of personalisation such as a photograph.
Phone Card
– is a stored value card that allows the user to access telephone networks via a PIN number which is usually covered by a scratch-off panel for security.
Photo ID card
- is an identification card bearing a photographic image of the cardholder. The image can be an actual photograph or one captured wholly electronically.
Plastic card
- is a generic description of all payment cards including credit, debit and cheque guarantee.
Plastic key card
- is a token in the form of an identification card, e.g. hotel key cards.
Polycarbonate Cards
– are cards produced from a particular group of thermoplastics. These have the properties of high-durability, light weight and flexibility because they are polymers linked together by carbonate groups. Polycarbonate cards are stronger than Polyvinyl Chloride (PVC) cards and thus more expensive. However, for applications where longevity and higher security is pre- requisite e.g. National ID, Passport and Driver’s Licence cards, Polycarbonate cards are ideal. These cards are utilised where the virtually tamper-proof personalisation technique of laser engraving is required.
Polyvinyl chloride
- is one of two plastics (the other is polyvinyl chloride acetate) specified by ISO 7810 as a suitable material for identification cards.
Portrait
– is the orientation of the page so that the short edge is along the bottom.
Prepaid Card
– is a card paid for at Point of Sale and permits the holder to buy goods or services up to the prepaid value. Not all such cards show the identity of the bearer (e.g. phone cards).
Proof
– is a sample or prototype of the art instructions that the customer has supplied the card manufacturer.
Promotional Card
– is typically a card offering special benefits to users e.g. discounts or rewards.
Protected Memory Card
– is a smart card that requires a secret code or PIN number to be entered before the data can be sent/received from the chip.
Proximity Card
– is typically a contact less card whose presence and data can be sensed by an interface device not in physical contact with the card and used for access control applications. Embedded in the card is a metallic antenna coil, which allows it to communicate with an RF external antenna.
Quark Xpress
– Industry standard Desktop Publishing application suitable for accurate page Iayout and assigning Pantone ink shades and process colours that will separate correctly when plated.
RF/DC
– This is a method of communication without physical contact. Accomplished through the use of radio waves.
RFID
– is the abbreviation for Radio Frequency Identification: a technology which allows an object or person to be identified at a distance, without physical contact, using radio waves to energise and communicate with some form of tag or card.
Radio Frequency Card
– is a proximity card in which the coupling between the card and the interface device is by radio. These are generally credit card size plastic cards that communicate with a transceiver (transmitter and receiver), ranging in distance up to twenty feet.
Rainbow printing
- is infill printing using graded areas of colour that merge into one another.
Reader-writer
- is a device that can both read from and write to a recording medium.
Read-write track
- is track 3 on an ISO standard identification card.
Reflex hologram
- is a hologram produced in film form similar to a photonegative that gives full 3-D imagery.
Resolution
– is the dimension of the smallest element of an image that can be printed. Usually stated as dots-per-inch (dpi).
Retailer (Store) Card
– is a proprietary card used and issued by a retailer or retailing group.
Reversed Out
– is a printing technique producing white lettering on a solid background. Offset Litho Ink is transparent so offset printing cannot use white ink so any white type has to be made from the paper/plastic colour showing through a solid.
Run-on
– Often when a printing price is quoted it is given as a figure for the basic job plus a figure for additional copies, e.g. the price may be 2000 copies at ?300 with ?25 for a 500 run-on. This enables you to calculate a range of prices for different quantities. It is very important to note that the run-on price is for copies printed at the same time as the main run. For instance, in the example given, you could not have 2000 copies today and then expect to have another 500 at some future date for just ?25. In many cases the set-up and make ready charges represent a large proportion of the print cost.
Scan
– is the reading of a bar code with a device known as a scanner, which converts optical information into electrical signals, or the search for a symbol that is to be optically recognised. Scanning utilises the movement of a light source over a bar code and recognition of the reflective qualities of the returned signal.
Scratch Card
– is a card that is produced with special ink that can be scratched away to reveal a number or message.
Screen Printing
– is a method in which ink is forced through a design-bearing screen made of silk or other material onto the substrate being printed.
Screen Tints
– are determined by percentage of colours.
Secure Card
– are cards with an intrinsic value e.g. financial, other secure cards etc.
Security printing
- is printing which incorporates anti-counterfeiting measures such as fine-line security patterns, infill printing, lenticular patterns, rainbow printing and serial numbering, etc. and that is carried out under tightly controlled conditions to prevent fraud.
Signature pad
- is an electronic device that captures a digitised image of a person's signature to facilitate signature verification electronically.
Signature Panel
– is the area, usually a panel silk-screened or hot-stamped onto a laminated ID card, designated for the cardholder to enter a signature. A non-Iaminated card may not require a special signature panel application, since the raw plastic card will absorb the ink from a ballpoint pen.
SIM card
– is an abbreviation for Subscriber Identification Module: a smart card that connects to a GSM phone and establishes the users identity.
Single-application Smart Card
– is a smart card issued to a single organisation for a singular purpose.
Skimming
– is the fraudulent copying or alteration of the magnetic stripe stored information (e.g. credit limit) encoding from one (financial) card to another.
Smart Card/Contact Smart Card
- also called a "chip" card or IC card. A smart card is a plastic card with an embedded microchip that may be used to store information about the cardholder or record card transactions as they occur. Plastic credit sized card that contains one or more semiconductor chips. This is a credit card or SIM card sized plastic card with an embedded microcircuit that contains either a: Memory Card, Protected Memory Card or Microprocessor Card.
Spot Colour
– is a colour that is printed self-coloured inks such as Pantone rather than using four colour printing.
Smart Card Operating System
– is the software on a smart card that controls the operation of a card: manages the applications and provides services, such as secure segregation, memory management, input/output and access to cryptographic primitives.
Store card
- is a financial transaction card associated with a retailer or group of retail stores that can be used only for purchases from the retailers concerned.
Stored Value Card
– is a financial card e.g. cash card, electronic purse, prepaid card that is loaded with a certain amount of money/value e.g. loyalty points or credit for canteen meals with each 'purchase' amount deducted from the card.
Substrate
– is the material upon which a plastic card is printed.
Swatch
– is a colour specimen.
Swipe reader
- is a magnetic stripe reader in which the magnetic stripe is read by passing the card manually right through the reader past the magnetic heads.
Telephone Card
– is a. card that can be utilised for the payment of telephone calls. This type of card maybe a prepaid card, a credit card, or one that adds the cost of the call to a standard bill.
Terminal
– is any device that can communicate with a smart card e.g. a reader or a coupler. Certain terminals can operate in stand-alone mode, while others must be connected to a central information system to access an application.
Thermal Printing
- is the process of creating an image from a foil on a plastic card using a heated print head.
Thermal transfer overlaminate
- is a card overlaminate available in a .25 thickness that increases card security and durability; often used for moderate durability applications or when additional security (such as holographic images) are needed.
Tint
– is any area of colour on a print job that is made up of a halftone screen of one or more of the solid colours used on the job. Tints are expressed in percentages i.e. 10%, 20% etc. They are made up of a percentage of tiny dots of one of the ink colours. Laying tints is an extra cost on any job. Great care should be taken when selecting tints, as they can often look totally different on the finished job than they did on the designer s screen. Dark tints of 50% and more tend to look much darker on the printed job than on the screen, due to dot gain on the press.
Tipping/Topping
– is the personalisation technique of laying down a contrasting colour, by means of heated foil, onto the embossed OCR and simplex characters should they be applied to a card. This is done to make the characters easier to read and for cosmetic purposes.
Town card
- See City card.
Transaction
– is a business or payment event for the exchange of value for goods and services.
Transit Card
– is a magnetic or chip card used for transportation services e.g. bus, Underground, Metro cards.
Travel and Entertainment Card (T&E Card)
– is a card issued primarily for travel and entertainment expense activity by organisations and their employees.
USB
– is an abbreviation for Universal Serial Bus: comprising a serial 4 wire bus architecture for peripheral I/O ports.
UV Printing
- is printing with ink visible only under ultraviolet light. UV printing is used to print on plastic, foil, and specialty substrates. UV light is used to dry specially formulated inks that are printed on non-porous materials. In conventional printing, ink dries as it is absorbed into paper. Because plastic is not absorbent, the ink must be dried on the top surface it is absorbed into
Vector Graphic
– is the generic name given to any graphic created in applications such as Adobe Illustrator, Freehand or Corel Draw. These packages allow correct construction of a logo and access to electronic Pantone guides for assigning colours to cards so not to lose image size or quality. When it is saved in an EPS format it is perfectly suitable to use directly for any application that we support.
Visa
- is an international payment system or organisation controlled by its members.
Weigand wire
- is magnetic media embedded in cards used for access control applications.
AMVA--Association of American Motor Vehicle Agencies
ACCOUNT NUMBER--A unique sequence of numbers assigned to a cardholder account that identifies the issuer and type of financial transaction card.
ACQUIRER--A licensed member that maintains the merchant relationship and acquires the data relating to a transaction from the merchant or card acceptor and submits that data into interchange, either directly or indirectly.
ADDRESS VERIFICATION SERVICE--A fraud prevention tool designed for mail order, telephone order and Internet transactions.
AMC--American Magnetics Corporation
AUTHORIZE--A process defined in operations regulations whereby a transaction is approved by or on behalf of an issuer; commonly understood to be receiving a sales validation by the merchant, by telephone, or authorization terminal.
AUTOMATED TELLER MACHINE (ATM)--An unattended, magnetic stripe-reading terminal that dispenses cash; accepts deposits and loan payments; enables a bank customer to order transfers among accounts and make account inquiries.
BANKCARD--A debit or credit card issued by a bank or other financial institution, such as a MasterCard card or Visa card. BIOMETRICS--Biometrics utilize "something you are" to authenticate identification. This might include fingerprints, retina pattern, iris, hand geometry, vein patterns, voice password, or signature dynamics. Biometrics can be used with a smart card to authenticate the user. The user's biometrics information is stored on a smart card, the card is placed in a reader, and a biometrics scanner reads the information to match it against that on the card. This is a fast, accurate, and highly-secure form of user authentication.
BIT (Binary Digit)--The smallest unit of information in a binary system: a 1 or 0 condition.
BPI--Bits Per Inch.
BYTE--A binary clement string functioning as a unit. Eight-bit bytes are most common. Also called a "character".
BUSINESS CARD--A Business card is similar to the Corporate card, but issued to a business with a few employees and where each employee is responsible for their purchases.
CARDHOLDER--The customer to whom a card has been issued or the individual authorized to use the card.
CARDING--Credit card fraud. Carding texts offer advice on how to make credit cards, how to use them, and otherwise exploit the credit card system.
CASH DISBURSEMENT--A transaction that is posted to a cardholder's credit card account in which the cardholder receives cash at an ATM, or cash or travelers checks at a branch of a member financial institution or at a qualified and approved agent of a member financial institution.
CIRRUS SYSTEM INCORPORATED--A wholly owned subsidiary of MasterCard International Incorporated, operates the international ATM sharing association known as "Cirrus® ATM Network."
CLEANING--The process of exchanging financial transaction details between an acquirer and an issuer to facilitate posting of a cardholder's account and reconciliation of a customer's settlement position.
CO-BRANDED CARD--A credit card issued by a member bank and a merchant, bearing the "brand" of both.
CARDJET CARDS--Teslin®-based, CR-80 size cards with a surface that is specially formulated for thermal inkjet printing. CardJet Inks bond to cards and dry instantly, without smearing. CardJet cards stand up well to abrasion, dye-migration and UV fading.
CHECK READER--A peripheral device used to read encoded information on a check to be transmitted and processed by a computer or register for authorization and approval.
COERCIVITY--The measure of how much magnetic force is needed to change the state of a magnetized element. The higher the coercivity, the more force is needed. There are two types of magnetic stripe cards, low coercivity and high coercivity. While low coercivity cards can be erased if they get too close to a common magnet, high coercivity cards are not as easily erased.
COLOR MATCHING--Several color matching options are included with FARGO Card Printer/Encoders. These options are built directly into the printer driver so they are easily selected. Colors print with more clarity, detail, and accuracy.
COLOR MONITOR--A monitor that displays data and graphics in color. Color monitors vary in the number of colors, dot-pitch and intensities they can produce.
COMMPORT--Communications Port. Most IBM compatible computers have from one to four commports used to communicate with devices attached to the computer (COM1, COM2, COM3, COM4). You need a commport to communicate with the 712 Encoder.
COMMUNICATION PROTOCOL--The rules governing the exchange of information between devices on a data link.
CONTACT SMART CARD ENCODER--The contact smart card encoder connects the ISO contact pins mounted on the e-card docking station to a Gemplus GemCore 410 smart card coupler mounted inside the printer. The GemCore 410's digital I/O is converted to a RS-232 signal which is accessible to application programs through a dedicated DB-9 port on the outside of the printer labeled "Smart Card."
CONTACTLESS SMART CARD ENCODER--The contactless smart card encoder connects an antenna mounted on the e-card docking station to a Gemplus GemEasyLink 680SL coupler mounted inside the printer/encoder. Application programs can access Mifare® contactless cards via a RS-232 signal through a dedicated DB-9 port on the outside of the printer labeled "Mifare/Contactless."
CONTROL NUMBERS--Measure card usage and be used as a tracking device if the card is lost. ID Services will print these on cards after the numbers have been supplied.
CREDIT CARD AUTHORIZATION--The process in which a credit card is accepted, read and approved for a sales transaction. Credit card authorization is normally accomplished by reading a credit cared through a credit card reader that is integrated into a register or stand-alone reading device. Generally, pertinent credit information is transmitted via a modem and telephone line to a credit card "clearinghouse". The clearing house (authorization source) communicates with the credit card’s bank for approval and the appropriate debit amount of the sale.
CREDIT CARD READER (Magnetic Stripe Reader)--A device that reads the magnetic stripe on a credit card for account information to automatically be processed for a transaction. A credit card reader is either integrated into a register, attached onto a register as a separate component or is part of a stand-alone terminal dedicated for the sole function of processing credit card transactions.
CURSOR--A blinking symbol on the screen that shows where data may be entered next.
CUSTOMER POLE DISPLAY--A peripheral device designed to show customers information about their transaction. This information normally consists of a description and price of the product they are purchasing. Customer pole displays are also used to display marketing information and other messages.
COMMERCIAL CARDS--This is the formal name for a group of cards issued to businesses, commercial organizations and governments. Types of commercial cards include: Corporate Card, Purchase Card, and Business Card. Corporate card A Corporate card is usually issued to the employees of a corporation, where the corporation assumes all liability for the card's usage. These tend to be to larger corporations.
CURRENCY CONVERSION--The process by which the transaction currency is converted into the currency of settlement or the currency of the issuer for the purpose of facilitating transaction authorization, clearing and settlement reporting. The acquirer determines the currency of the transaction; the currency of the issuer is the preferred currency used by the issuer, and most often, the currency in which the cardholder will be billed.
DEBIT CARD--A plastic card used to initiate a debit transaction. In general, these transactions are used primarily to purchase goods and services and to obtain cash, for which the cardholder's asset account is debited by the issuer
DECODE--A term used to describe the process of interpreting scanned or "read" information and presenting it in a usable fashion to the computer.
DENSITY--Defined in bits per inch (BPI), recording density is the number of information bits which are recorded on one inch of a magnetic strip.
DIRECT THERMAL--Direct thermal is a printing technology method in which the printer utilizes a paper that reacts chemically to heat. The label rolls are coated with a thermo-sensitive layer that darkens when exposed to intense heat. Direct thermal printers require no ink or ribbon and are typically used when a bar code label needs to endure for a year or less.
DIRECT-TO-CARD (DTC) PRINTING--The Direct-to-Card printing process prints digital images directly onto any plastic card with a smooth, clean, glossy PVC surface.
DISKETTE / FLOPPY DISK--A flexible disk which holds information that can be read by the computer.
DOS (Disk Operation System)--The standard operation system for all computers advertised as "IBM Compatible".
DOT-MATRIX PRINTER--A printer that forms characters or images using a matrix of pins that strike an inked ribbon.
DOWNLOADING--The process of sending configuration parameters, operating software or related data from a central source to remote stations.
DPI (dots per inch)--Measurement of a printer's resolution. Example: 600 dpi indicates that the printer can produce 600 dots of color in each inch of a card. NOTE: When judging color reproduction for a CardJet Card Printer, the inkjet resolution must be at 2400 dpi or better to achieve the color equivalent of a 300 dpi dye-sub printer.
DUAL HOPPERS--Select FARGO Card Printer/Encoders provide a dual-stack, 200 card capacity Card inp<-b>ut Hopper. This unique dual hopper allows you to load up to 200 of the same type of card for maximum card production or allows you to load a different stack of cards into each hopper for added versatility and efficiency. Loading two different stacks of cards is often beneficial if, for example, you are using two types of preprinted card backgrounds (i.e. gold cards versus silver cards) in order to more easily distinguish between two types of members, employees, students, etc.
DUAL TRACK--A type of credit cared reader that is capable of reading both Track 1 and 2 on a credit card.
DYE-SUBLIMATION--Dye-sublimation is the print process FARGO Card Printer/Encoders use to print smooth, continuous-tone, photo-quality images. This process uses a dye-based ribbon roll that is divided into a series of color panels. The color panels are grouped in a repeating series of three separate colors along the length of the ribbon: Yellow, Magenta, and Cyan (YMC). As the ribbon and card pass simultaneously beneath the Printhead, hundreds of thermal elements heat the dyes on the ribbon. Once the dyes are heated, they vaporize and diffuse into the surface of the card. Varying the heat intensity of each thermal element within the Printhead makes it possible for each transferred dot of color to vary saturation. This blends one color into the next. The result is continuous-tone, photo-realistic color images.
E-CARD DOCKING STATION--FARGO provides an optional e-card docking station on select models that can be ordered with encoders for one, two or three different types of e-cards. These printer/encoders allow application software to read and/or store information in the memory of e-cards. The optional encoders provide everything needed for an application program to communicate with a specific type e-card through a standard RS-232 interface. The FARGO e-card docking station comes standard with the read/write pins (as defined by ISO) needed to communicate with contact smart cards. The e-card docking station can also be ordered with a magnetic stripe encoder for either an ISO magnetic stripe that supports dual high/low coercivity tracks 1, 2 and 3 or a JIS II magnetic stripe.
E-CARD ENCODER--Select FARGO Card Printer/Encoders support reading and/or storing information in up to three different types of e-cards: ISO 7816 contact smart cards, Mifare® contactless smart cards and HID proximity cards.
EDGE-TO-EDGE--Refers to the maximum printable area on a card. Printer/Encoders with edge-to-edge printing capability can print just to the edge of a card resulting in printed cards with virtually no border.
EMBOSSING--Raised characters are produced through the use of a male and female die brought together by pressure applied above and below a marking surface. Embossing is ideal for variable information data cards, strip tags, and identification molding processes.
EBT (ELECTRONICS BENEFITS TRANSACTION)--Allows governments to implement social aid programs such as food stamps through the use of a magnetic-stripe card, which can be accepted at merchant locations set up to accept this plan.
ELECTRONIC DRAFT CAPTURE (EDC)--A system in which the transaction data is captured at the merchant location for processing and storage.
ELECTRONIC FUNDS TRANSFER (EFT)--A paperless transfer of funds initiated from a terminal, computer, telephone instrument, or magnetic tape.
EMBOSS-The process of printing identifying data on a bankcard in the form of raised characters.
ENTERPRISE--An "enterprise" e-commerce solution indicates technology for a large business enterprise. This usually involves a number of systems that are required to interface with each other as well as a central database management system. The design and management of an enterprise solution can be very complex.
EMULATION--The imitation of a computer system, performed by a combination of hardware and software, that allows programs to run between incompatible systems.
ENCODER--A device used to write data onto magnetic stripe cards.
EPROM--Read-only, non-volatile, semi-conductor memory that is erasable via ultra violet light and reprogrammable.
EXPANSION BOARD / EXPANSION SLOT--The optional device board that is usually added inside the system cabinet at an available expansion slot.
FACTORING--Also known as laundering. When a merchant submits transactions for another merchant that were not conducted at the original merchant's business establishment, this is known as factoring.
FIRMWARE--A computer program or software stored permanently in PROM or ROM.
FIELDS--A specific position on each track where data may be written or read.
FIXED DATA--Data which doesn't change. In Card Template, data remains constant from encoding session to encoding session. This means that, until it is modified, each card will encoded with this information. In Set-Up/Encode Fields, data is fixed.
FOIL--Decorative foils are applied to cards with heat. If you have a specific foil in mind, we can apply it for you, ID Services has a wide variety to choose from.
HAND-HELD DATA COLLECTOR--See Portable Data Collector
HARD DISK DRIVE--Enclosed disk drive that contains one or more metallic disks for data storage. A hard disk has many times the capacity of a diskette.
HIGH COERCIVITY--See coercivity.
HIGH-VOLUME PRINTING--Fast, efficient printing for producing large quantities of cards with minimal down time for supplies loading or maintenance.
HIGH DEFINITION PRINTING™ (HDP™)--The High-Definition Printing process prints full-color images onto clear HDP transfer film. The HDP film is then fused to the card through heat and pressure via a heated roller. This revolutionary technology enhances card durability and consistently produces the best card color available - even on tough-to-print matte-finished cards, proximity cards, and smart cards.
HIGH SPEED PRINTING--FARGO Card Printer/Encoders are among the fastest desktop card printer/encoders in the industry. High-speed printing allows for more efficient card production - saving time, money, and resources.
HOLOGRAM--This security feature prevents the reproduction of ATM/Bank cards and credit cards. ID Services has a variety of holograms to choose from or will apply your own custom hologram.
HOST COMPUTER--A central computer, such as a mainframe computer at a company’s headquarters or central office. The central computer in a star network.
ISO--International Standards Organization specification for magnetic stripe encoding. The FARGO encoder supports dual high/low coercivity and tracks 1, 2 and 3.
ID CARDS--An important record-keeping tool for hospitals, nursing homes, healthcare providers, insurance companies and colleges/universities are ID cards. ID Services offers them in four sizes, CR50, 60, 70 and 80, to fit any standard imprinting or embossing system. ID Services offers a variety of card compositions to meet the needs of the specific application. Composite cards are recommended for College/University ID’s due to their flexibility and long life span.
IN-COUNTER SCANNER--A bar code scanner that normally has multiple laser beams emitting from it to read bar codes in high-speed environments (i.e. grocery stores). An in-counter scanner is usually mounted into a countertop so that products can quickly and easily be passed over the scanner for bar code reading.
IMPRINTER--A device supplied to the merchant to produce an image of the embossed characters of the bankcard on all copies of sales drafts and credit slips.
ISSUER--A member that enters into a contractual agreement with MasterCard or Visa to issue MasterCard or Visa cards.
JIS II--Japanese Industrial Standard for magnetic stripe encoding, published and translated into English by Japan Standards Association.
KEYLOCK CARDS--Hotels and resorts all over the world are changing the traditional door locks to electronic swipe key cards. Keylock cards are becoming a necessity to keep hotel guests safe. For excellent performance, the cards must match the system and the applications. ID Services offers roll-on magnetic stripes as well as laminated magnetic stripes in both high energy and low energy coercivity with the hotel and/or its logo perfectly printed.
KEY GENERATOR--Any tool designed to break software copy protection by extracting internally-stored keys, which can then be entered into the program to convince it that the user is an authorized purchaser.
KEY LOGGER--(Keystroke Logger). A program that runs in the background, recording all the keystrokes. Once keystrokes are logged, they are hidden in the machine for later retrieval, or shipped raw to the attacker. The attacker then peruses them carefully in the hopes of either finding passwords, or possibly other useful information that could be used to compromise the system or be used in a social engineering attack. For example, a key logger will reveal the contents of all e-mail composed by the user. Keylog programs are commonly included in rootkits and RATs (remote administration trojans).
LCD DISPLAY--The LCD - or Liquid Crystal Display - shows the current status of the printer, and changes according to the printer's current mode of operation. LCD communicates an error with text, which is easier to interpret than LED lights.
LOW COERCIVITY--See coercivity.
LASER SCANNER--A bar code scanner that utilizes laser technology. These scanners emit laser beams that read bar codes. Laser scanners have "depth of field" which enables them to read bar codes from short distances away (6" to a few feet).
LED (Light Emitting Diode)--A semiconductor light source that emits visible light or invisible infrared radiation.
LOCKABLE HOPPER--Some FARGO Card Printer/Encoders provide a lockable Card Hopper Door. This lock is intended to help prevent theft of your blank card stock. This feature is especially helpful if using valuable card stock such as preprinted cards, smart cards, or cards with built-in security features such as holograms.
MAGSTRIPE STRIPE--The magnetically encoded stripe on the bankcard plastic that contains information pertinent to the cardholder account. The physical and magnetic characteristics of the magnetic stripe are specified in ISO Standards 7810, 7811, and 7813.
MAGNETIC STRIPE READER--A device that reads information recorded on the magnetic stripe of a card.
MEMBER--An institution that participates in the programs offered by MasterCard International Incorporated.
MERCHANT--A retailer, or any other person, firm, or corporation that (pursuant to a merchant agreement) agrees to accept credit cards, debit cards, or both, when properly presented.
MAS (Merchant Accounting System)--The Vital back-end system that handles settlement, interchange and billing.
MERCHANT BANK--A bank that has entered into an agreement with a merchant to accept deposits generated by bankcard transactions; also called the acquirer or acquiring bank.
MCC (MERCHANT CATEGORY CODE)--Four-digit classification codes used in the warning bulletin, authorization, clearing, and settlement systems to identify the type of merchant business in various stages of transaction processing.
MMS (MERCHANT MANAGEMENT SYSTEM)--The Vital front-end system that handles point of sale functions such as terminal types, cut-off times, etc.
MOTO (MAIL ORDER/TELEPHONE ORDER)--A transaction initiated by mail or telephone to be debited or credited to a bankcard account.
MAGNETIC STRIPE--The black stripe found on the back of most credit cards and many other types of identification cards and drivers licenses. Used to encode and read data, usually identifying the owner of the card.
MAGNETIC (“MAG”) STRIPE--Mag Stripe refers to the black or brown magnetic stripe on a card. The stripe is made of magnetic particles of resin. The resin particle material determines the coercivity of the stripe; the higher the coercivity, the harder it is to encode -- and erase -- information from the stripe. Magnetic stripes are often used in applications for access control, time and attendance, lunch programs, library cards, and more.
MAGNETIC STRIPES--Offered in five different sizes and are available in both low coercivity (300 oersteds) and high coercivity (2750 (USA), or 4000 (European) oersteds.)
· 1/8" Covers one track (HEM only)
· 5/16" Covers two tracks
· 6/16" Covers three tracks (3/8")
· 7/16" Covers three tracks
· 8/16" Covers three and one half tracks (1/2")
· 9/16" Covers four tracks (super stripe)
· We can apply roll-on magnetic stripes as well as flush laminated magnetic stripes.
For additional security ID Services offers holo-magnetic stripes. The stripes are custom made with your company name appearing in the stripe. Multiple magnetic stripes can be applied to each card.
MAGNETIC STRIPE READER--See Credit Card Reader
MASTER REGISTER--A cash register that acts as the central register or "file server" in a multiple register environment. The master register normally controls "slave" registers that are networked and cable to it.
MEGABYTE--A unit of measure that consists of 1,014 bytes.
MICROCOMPUTER (Personal Computer)--A small. low cost computer originally designed for individual users. Recently, microcomputers have become powerful tools for many businesses that, when networked together, have replace minicomputers and in some cases mainframes and information tools.
MICRO-PRINTING--Very small text printed into the plastic card and generally look like thin lines to the naked eye. The text is printed at 9600 dpi (dots per inch) and require a magnifying glass to view the micro-printed text. Desktop card printers print at 300 dpi and can not reproduce micro-printing making micro-printing a very handy feature when checking for counterfeit cards.
MICROPROCESSOR--Integrated circuit chip that monitors, controls and executes the machine language instructions.
MICR READER--MICR is an acronym for Magnetic Ink Character Recognition. MICR Readers are normally used to read the encoded information within the ink on a check.
MODEM (Modulator - Demodulator)--A device used to convert serial digital data for transmission over a telephone channel, or to reconvert the transmitted signal to serial digital data for acceptance by a receiving terminal.
MONOCHROME MONITOR--A monitor that displays characters in only one color, such as amber or green.
MULTI-USER--Multi-user systems consist of two or more computers that are connected together and that share data and peripherals. A multi-user system includes a host computer (file server) and one or more stations. All stations share the same hard disk and may share other devices such as printers.
MTBF (Mean Time Between Failures)--The average time between failures of a particular device based on statistical or anticipated experience.
NETWORK--A communications system connecting two or more computers and their peripheral devices.
NETWORK CARD--An expansion card that is installed in an available slot in a computer so that it may connect and communicate to another computer.
OPERATING SYSTEM--System that consists of several programs that help the computer manage its own resources, such as manipulating files, running programs and controlling the keyboard and screen.
OUTPUT STACKER--The Output Stacker stores printed cards in a first-in/first-out order. This feature makes it easy to keep printed cards in a specific order for faster issuance or to print serialized cards.
OVERSIZED CARDS--Oversized cards are used for more efficient visual identification and are available in many non-standard sizes. The most popular sizes are CR-90 (3.63" x 2.37"/92mm x 60mm) and CR-100 (3.88" x 2.63"/98.5mm x 67mm).
OVERLAMINATE--Protective clear or holographic material designed to offer advanced card security and durability. Two types are available from FARGO: Thermal Transfer Overlaminate is a .25 mil thick material that enhances card security and durability. PolyGuard Overlaminate is available in a 1 mil and .6 mil thick material and provides extraordinary protection for applications that require highly durable cards.
OVERLAY PANEL--The clear overlay panel (O) is provided on dye-sublimation print ribbons. This panel is automatically applied to printed cards and helps prevent images from premature wear or UV fading. All dye-sublimation printed images must have either this overlay panel or an overlaminate applied to protect them.
OVER-THE-EDGE--Refers to the maximum printable area on a card. Printer/Encoders with over-the-edge printing capability can print past the edge of a card resulting in printed cards with absolutely no border.
PARALLEL TRANSMISSION--Transmission mode that sends a number of bits simultaneously over separate lines. Usually unidirectional.
PERIPHERAL DEVICE--Hardware that is outside of the system unit, such as a disk drive, printer, cash drawer or scanner.
POLLING--A means of controlling devices on multi-point line. Usually utilized to send/receive information via modem from remote computers to a central computer.
POLYGUARD™--A card overlaminate available in 1 mil and .6 mil thicknesses that provides extraordinary card protection; ideal for harsh or more secure environments. Available as clear or with embedded holographic-type security images.
POS (Point-of-Sale)--Term normally used to describe cash register systems that record transactions or the area of "checkout" in a retail store.
PIN NUMBERS--This security feature will activate usage of the card. Once the numbers have been supplied from our customers, ID Services can apply them to the customer cards.
PINPAD--A "pin pad" is a small keyboard that normally contains numeric keys. PIN is an acronym for personal identification number which is normally entered into the keyboard "pad" to verify account information for a transaction (i.e. similar to an automated teller machine).
PORTABLE DATA COLLECTOR--A hand-held computer that can be used as a stand alone portable unit for point-of-sale, inventory, receiving and other applications. A portable data collector is normally a temporary storage device that gathers information and downloads data into a main or central computer.
PROGRAMMABLE KEYBOARD--A keyboard that is capable of being configured and programmed in a variety of ways. Programmable keyboards allow keys to represent special departments, functions, product, etc.
PROJECTION SCANNER--A type of bar code reader that is normally placed vertically, and that projects laser beams horizontally to scan bar codes. Often used when high performance and speed to reading bar codes is critical.
PROTOCOLS--A set of rules for the exchange of information, such as those used for successful data transmission.
PROXIMITY (“PROX”) CARD--Proximity cards allow access and tracking utilizing contactless technology (usually by communicating through a built-in antenna).
PROX CARD ENCODER--The prox card encoder uses a HID ProxPoint® Plus reader mounted on the e-card docking station inside the printer/encoder. The ProxPoint is a "read only" device producing a Wiegand signal that is converted to RS-232 using a Cypress Computer Systems CVT-2232. Application programs can read information from HID prox cards via a RS-232 signal through a dedicated DB-9 port on the outside of the printer labeled "Prox."
PVC (POLYVINYLCHLORIDE)--These cards are manufactured for mechanical style embossing and to be our least expensive card option. They are available in 23 different colors and three different card finishes. Heat distortion occurs at 130°F and the cards will flex approximately 2,500 flex cycles. Estimated normal card life: 18 months.
PDF (PORTABLE DOCUMENT FORMAT--Adobe's file format is the de facto standard for electronic document distribution. It is the preferred means of distributing documents online because it preserves fonts, formatting, colors and graphics regardless of the application or platform used to create it. The Adobe Acrobat Reader, required to read PDF files, is available free from the Adobe web site.
PIN PERSONAL IDENTIFICATION NUMBER)--A four-to-12 character secret code that allows an issuer to positively authenticate the cardholder for the purpose of approving an ATM or terminal transaction occurring at a point-of-interaction device.
POTS (PLAIN OLD TELEPHONE SERVICE)--The standard analog telephone service with no enhancements like call waiting, etc.
PURCHASE CARD--The Purchase card is issued to corporations, businesses and governments. It provides control over daily and monthly spending limits, total credit limits, and where the card may be used. It also reduces the administrative cost associated with authorizing, tracking, paying, and reconciling those purchases. Many employees may be issued the same card number.
RAM (Random Access Memory)--Temporary storage that holds the program and data the CPU is processing.
RESIN THERMAL TRANSFER--Resin Thermal Transfer is the process used to print sharp black text and crisp bar codes that can be read by both infra-red and visible-light bar code scanners. It is also the process used to print ultra-fast, economical one-color cards. Like dye-sublimation, this process uses a thermal Printhead to transfer color from the ribbon roll to the card. The difference, however, is that solid dots of color are transferred in the form of a resin-based ink which fuses to the surface of the card when heated. This produces very durable, single-color images.
SCALE--A scale is a peripheral device used to record the weight of an item and transmit the amount to a computer for processing.
SCRATCH-OFF PANELS--Applied through hot stamping or silk screening. Typically they are used to cover pin numbers on pre-paid phone cards.
SERIAL TRANSMISSION--Transmission mode that sends data one bit at a time. In most cases, in personal computers, serial data is passed through as RS232 serial interface port.
SIGNATURE CAPTURE--A peripheral device that electronically captures an individual’s signature for customer identification and transaction applications.
SLAVE REGISTER--A cash register that is driven by a "master" register in a multiple register environment.
SMART CARD--A smart card contains a "chip" with memory and is typically used to hold customer account information and a "balance" of money similar to a checking account. The card is inserted into a device that can read and write to it updating information appropriately.
SMART CARD--Smart cards have an embedded computer circuit that contains either a memory chip or a microprocessor chip. There are several types of smart cards: Memory, Contact, Contactless, Hybrid (Twin), Combi (Dual Interface), Proximity and Vicinity.
SMARTGUARD™--SmartGuard is a printer security option that uses a custom access card and a built-in reader to restrict printer access. With this feature, only those with a valid access card can print cards. This makes both your printed cards and your overall system more secure.
SMARTLOAD™--SmartLoad is an exclusive FARGO technology used in CardJet Card and Ink Cartridges to advise you on the status of your CardJet supplies. In CardJet Ink Cartridges, SmartLoad technology reports the number of prints remaining in the cartridge and alerts you when ink is low or out. In CardJet Card Cartridges, SmartLoad technology tells you to install a new cartridge when the card supply runs out.
SMARTLOAD CARD CARTIDGE--Cartridge that is pre-loaded with CardJet Cards at the factory. They snap into the back of the printer in just seconds. SmartLoad technology inside the cartridges alerts you to install a new cartridge when the card supply runs out.
SMARTLOAD INK CARTIDGE--CardJet Ink Cartridges are available with both full-color and black (used for infrared bar codes only) inkjet inks. Cartridges snap into the printer just like the cartridges used in other familiar office or home inkjet printers. SmartLoad technology inside the cartridges reports the number of prints remaining in the cartridge and alerts you when ink is low or out.
SMARTSHIELD™--This option allows the printer/encoder to print custom, reflective security images on the card that fluoresce under a black or UV light source.
SOLENOID--Solenoids are commonly used in "dumb" cash drawers and incorporate a cable connected trigger which releases the drawer. Cash drawers with solenoids are interfaced to receipt printers that "drive" them. Solenoids have different voltages and are integrated into the cash drawer dependent on the printer they are interfaced to.
STANDARD CARDS--The standard card size is CR-80. CR-80 dimensions are 3.375" x 2.125" (85.6mm x 54mm).
THERMAL TRANSFER--Thermal transfer is a printing technology method in which printers use regular paper and a heat sensitive ribbon. The ribbon deposits a coating of dark material on the paper when exposed to intense heat. Thermal transfer printers produce a more durable label that won’t fade as quickly as direct thermal labels and are often used when a label needs to endure longer than a year.
THERMAL TRANSFER OVERLAMINATE--A card overlaminate available in a .25 mil thickness that increases card security and durability; often used for moderate durability applications or when additional security (such as holographic images) are needed.
TILL--The paper money and currency tray that holds money in a cash drawer. Tills are usually available in 4 or 5 till versions, available with lock and cover and are removable.
TRACK--One of up to three portions of a magnetic stripe where data can be written.
TRACK 1--Track one is a "track" of information on a credit card that has a 79 character alphanumeric field for information. Normally a credit card number, expiration date and customer name are contained on track 1.
TRACK 2--Track two is a "track" of information on a credit card that has a 40 character field for information. Normally a credit cad number and expiration date are contained on track 2.
TRACK3--Track three is a "track" of information on a credit card that has 107 character field for alphanumeric information. Normally a credit card number, expiration date and room for additional information are available on track 3.
UNIX--UNIX is a terminal based operation system in which "dumb" terminals are communicating back to a "smart" processing unit or host.
UPS--An acronym for uninterruptible power source. A UPS is primarily used as a back up power source for computers and computer networks to insure on-going operation in the event of a power failure. Sophisticated units also have power conditioning and power monitoring features.
UV INKS--most commonly used to put hidden graphics and text on a plastic card. The inks are invisible until the card is subjected to a certain colored light (for instance, when placing a California drivers license under a black light the image of the California flag will become visible in green and orange.) UV inks are used as an aid in detecting counterfeit cards. They come in a variety of colors and can react to different colored lights. Desktop card printers are unable to print UV ink.
VARIABLE DATA--is information which changes with each encoding session or on a card-by-card basis.
VERTICAL SCANNER--See Projection Scanner.
WAND--A pen-shaped bar code scanner that emits a beam from the end or tip of the wand. Wands are older, bar code reading technology but inexpensive and still widely used where speed and performance are not crucial.
WEDGE--A wedge decodes "read" data (i.e. bar codes, credit cards) and communicates that information through a keyboard port on a computer. The keyboard plugs into the wedge and the wedge device plugs into the computer where the keyboard was. Sophisticated wedges can accept a few different peripheral devices. Also See Decode
ABA Routing Code ni. ABA Routing Number
Terminology (Used word- explanation )
Parking (parked) - Installing device
Lips - Reader
Jacket (dress jacket) - Installing reader on ATM
Trousers - Pinpad
Dress trousers - Installing pinpad on ATM
Ironing jacket - Charging battery of reader
Ironing trousers-Charging battery of pinpad
Cover - Big panel, on which pinpad placing
Piece of iron , box, parking - ATM
Stuff - Cards or tracks
Second step - Cashing
Institute - Bank (like Finance institute)
Observer - Person, who take care of all working
Fitter - Person, who install and take off device
Inhabitant - Cardholders
Side-show - Time of device working (ex: today a lot of inhabitant on side-show)
Sofa - Model of ATM
Citroen - Model of ATM
Flat - Model of ATM
Toothed - Model of ATM
Disco - Model of ATM
Tourists - Group of workers who must install device
Chief - Head of group
Harvest - Stuff from one ATM
Bank-emitent (Issuing bank) - bank which has issued the card
Billing address - the card owner address
Drop - innerman. His task is to receive the money or goods and, accordingly, to give the part of the earnings to you.
Biling - office, which has agreement with a bank. Also this office assumes payments for the cards.
Card bill - it's a Bank emitent card bill.
Bank-equirer - bank, in which the store opens the account.
Merchant account - bank account for accepting credit cards.
Merchant Bank - bank, through which occur the payments between the buyer and the salesman (frequently it is used as synonym "bank-equirer").
Cardholder - owner of the card.
Validity - suitability card using.
White plastic - a piece of the pure plastic, where the information is plot.
CR-80 - rectangular piece of pure white plastic (without the drawing image) with the size of a credit card with the magnetic strip.
Transaction - charege to the credit card
POS terminal (Point Of Sale terminal) - reading card device, which stands at commercial point.
PIN-code - the sequence, which consists of 4-12 numbers. It is known only to the owner of card. By simple words password for the work with ATM and so on.
AVS - the card owner address checking. It is used for the confirmation of the card belonging exactly to its holder.
"Globe" - card holographic gluing with the image of two hemispheres (MasterCard).
Pigeon (hen) - card holographic gluing with the image of the flying pigeon (VISA).
Reader - information reading device for the readout from the magnetic strip of card.
Encoder - read/write device for the magnetic track of the card.
Embosser - card symbol extrusion device.
Card printer - card information printing device.
Exp.date - card validity period.
Area code - the first of 3 or 6 numbers of the card owner phone.
CVV2, cvv, cvn - 3 or 4 additional numbers, which stand at the end of the number of card.
ePlus - program for checking the cards.
BIN - first 6 numbers of the card number due to those it is possible to learn what bank issued out the card and what is the type of this card (ATM-card, credit, gold, etc.). Synonym of word "Prefix".
Chargeback - the cardholder's bank voids the removal of money from its card.
Dump - information, which is written to the magnetic strip of the card, it consists of 1,2 or 3 tracks.
Track (road) - a part of the dump with the specific information. Every 1-st track is the information about the owner of the card, 2-nd track - information about the owner of card, about the bank issued the card, etc. 3-rd track - it is possible to say - spare, it is used by stores for the addition of the points and other.
Slip - synonym to the word "cheque" (conformably to card settlings).
Card balance - money sum that finding on the card account.
MMN Mothers Maiden Name, important if you want to change the billing address
some terms:
Automated Clearing House (ACH) - the automated clearing house. The voluntary association of depositors, which achieves clearing of checks and electronic units by the direct exchange of means between the members of association.
Continuous Acqusition and Life-cycle Support (CALS) - the integrated system of the production guaranteeing, purchase and expluatation. This system makes possible to computerize all data about the design, development, production, servicing and the propagation of the production.
Debit Card - Card, which resembles the credit card by the method of using, but making possible to realize direct buyer account debiting at the moment of the purchase of goods or service.
Delivery Versus Payment (DVP) - the system of calculations in the operations with the valuable papers, which ensures the mechanism, which guarantees that the delivery will occur only in the case of payment and at the moment of payment.
Direcht debit - payment levy method, mainly, with the repetitive nature (lease pay, insurance reward, etc.) with which the debitor authorizes his financial establishment to debit his current account when obtaining of calculation on payment from the indicated creditor.
Electronic Fund Transfer (EFT) - the remittance of means, initiated from the terminal, telephone or magnetic carrier (tape or diskette), by transfer of instructions or authorities to financial establishment, that concern to the debiting or crediting of the account (see Electronic Fund Transfer/Point of Sale - EFT/POS).
Electronic Fund Transfer/Point of Sale - EFT/POS - debiting from the electronic terminal, for the means transfer purpose from the account of a buyer into the payment on the obligations, which arose in the course of transaction at the point of sale.
Integrated Circuit (IC) Card - It is known also as chip card. Card equipped with one either several computer micros-chip or integrated microcircuits for identification and storing of data or their special treatment, utilized for the establishment of the authenticity of personal identification number (PIN), for delivery of permission for the purchase, account balance checking and storing the personal records. In certain cases, the card memory renewal during each use (renewed account balance).
Internet - the open world communication infrastructure, which consists of the interrelated computer networks and which provides access to the remote information and information exchange between the computers.
International Standardisation Organisation (ISO) - International organization, which carries out standardization, with the staff office in Geneva, Switzerland.
Magnetic Ink Character Recignition (MICR) - System, which ensures the machine reading of the information, substituted by magnetic inks in the lower part of the check, including the number of check, the code of department, sum and the number of account.
RSA - the coding and autentification technology, developed in 1977 in MIT by Rivest, Shamir and Adel'man, which subsequently opened their own company RSA Data Sechurity, Inc., purchased recently by the company Security Dynamics Technologies, Inc.
Real-Time Gross Settlement (RTGS) - the payment method, with which the transfer of means is achieved for each transaction in obtaining of instructions about the payment. Decrease the risk with the payment.
Smart Card - card equipped with integrated circuit and microprocessor, capable to carrying out the calculations.
System risk - the risk, with which the incapacity of one of the payment system participants either financial market participants as a whole to fullfill their obligations causes the incapacity of other participants or financial establishments to fulfill its obligations (including obligations regarding the realization of calculations in means transfer systems) properly. This failure can cause significant liquidity or crediting problems and, as result, it can cause loss to the stability of financial markets (with the subsequent action on the level of economic activity).
Truncation - procedure, which makes it possible to limit the physical displacements of a paper document, in the ideal version, by the bank of the first presentation, by the replacement by electronic transfer of entire or part of the information, which is contained on this document (check).
Tipper - a machine designed for use with PVC plastic cards to create raised print. (basically a plastic card embosser)
COB - Change of billing. Used for online carding, to change the billing address of a card since Online Stores will only ship large items if the billing and shipping address match. You can obtain these from vendors in CP. Once you have this, you can easily change the card address to that of your drop so that the stores ship items to your drop, since the billing and shipping addresses will match.
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