ETA CPP Study Guide
"Bug" - ANS-See Marks.
"Digital Dozen" - ANS-The 12 requirements of the Visa Cardholder Information Security
Program (CISP)
"Do Not Call Registry" - ANS-A provision of the federal Telemarketing Sales Rule introduced
in June 2003 that created a country wide registry to make it simpler and extra green for U.S.
Clients to forestall receiving telemarketing calls.
(EMV) - ANS-Technical specs developed mutually by using Europay International,
MasterCard International, and Visa International to offer standards and make certain
worldwide interoperability to be used of chip technology inside the charge industry.
A (partial fit, avenue only); - ANS-
A/P - ANS-See Accounts Payable.
A/R - ANS-See Accounts Receivable.
A2A (Account-to-Account) - ANS-The automated switch of price range from one account to
another. An example is the Fedwire or twine switch transaction.
AAV - ANS-See Accountholder Authentication Value.
ABA - ANS-See American Bankers Association.
ABA Transit Routing Number - ANS-The particular wide variety devised by means of the
American Bankers Association (ABA) in 1910 that identifies the bank provider of depository
bills. It is a ten‐digit number (9 digits and a verification digit) issued by using the Federal
Reserve Bank to become aware of each bank by way of a financial institution identity wide
variety. This wide variety (additionally called the ABA range and the routing transit number)
has changed through the years to deal with things like the Federal Reserve System, the
arrival of MICR, and the implementation of the Expedited Funds Availability Act (EFAA). It is
used each in check processing and inside the ACH (Automated Clearing House) routing of
digital checking account debits. The variety is commonly the first sequence of numbers
preceding an account number at the bottom of a check.
Access Card - ANS-A plastic card used in an automated teller device (ATM) to complete
deposits, cash withdrawals, account transfers, and different associated account capabilities.
Access Control System Format - ANS-In the smart card enterprise, a time period referring to
the bit sample that the reader transmits to the manage panel. The format specifies how
,many bits make up the data circulate and what those bits represent. For instance, the
primary few bits would possibly transmit the ability code, the following couple of the precise
ID variety, the next few parity, and so forth. (Source: Smart Card Alliance).
Access Device - ANS-A card, code, or other means of access to a patron's account that can
be used to provoke an digital budget switch. This time period does now not include the
terminal, cellphone, or private computer.
Access Point - ANS-A telecommunication time period referring to a tool or point wherein
connections may be made for testing or using particular communications circuits.
Access Provider - ANS-A business enterprise that provides its customers get entry to to the
Internet. The user typically connects to the get right of entry to providerʹs server by a modem
using a dial‐up connection or a broadband connection.
Access Time - ANS-The amount of time had to reap information from, or location statistics
into, pc garage.
Account Aggregation - ANS-See Aggregators
Account Data Compromises (ADC) - ANS-The time period used by MasterCard to explain
safety violations to card and account facts.
Account Funding Transaction - ANS-A time period used by Visa to indicate an electronic
commerce purchase transaction for the purpose of including price range to a Visa prepaid
account this is posted to a Visa card and consists of the transmission of the Account
Funding Transaction Indicator.
Account History - ANS-The price records of an account over a special duration, together with
the range of times the account was overdue or over the credit restriction.
Account Maintenance - ANS-For both the cardboard issuer and the card acquirer, the
operation concerning nondollar adjustments to the database, together with name, deal with,
and checking account adjustments, product profiles, billing data, and price adjustments.
Account Mask Information - ANS-Editing criteria used to verify the accuracy of a supplier's
account number in positive electronic fee transactions.
Account Number - ANS-Issuing: An company‐assigned range that identifies a cardholder's
account, the issuer, and the sort of economic transaction card (e.G., commercial card or
debit card). Acquiring: An acquirer‐assigned range that identifies a selected merchant or
group of merchants. Note: The first six digits of each variety identify the issuing and
acquiring establishments. See BIN.
Account Receivable Entry (ARC) - ANS-A single-access debit initiated by means of an
automatic clearinghouse (ACH) originator to a customer account of an ACH receiver
pursuant to a source document supplied through the receiver thru postal mail, or at a drop
box place or via electronic way. When a paper take a look at price is transformed to an ACH
,digital payment and with ARC, the test is destroyed after conversion; in POP, the test is back
to the take a look at author on the time of charge. These transactions waft through the ACH
Network. (Source www.NACHA.Org)
Account Takeover - ANS-See Cash Theft.
Account-Based Stored Value Card - ANS-A patron prepaid price card, with financial fee
stored in an account that is accessed and its price up to date when the customer uses the
price card. (Source: Smart Card Alliance)
Account-Number-Verifying Terminal - ANS-A point‐of‐transaction terminal that can be
required via Visa at certain high‐hazard locations. This terminal reads the account number
encoded on the magnetic stripe or embedded within the chip (clever card), compares the
remaining four digits of the encoded account variety to the keyentered remaining 4 digits of
the embossed account number, and transmits the overall, unaltered contents of the magnetic
stripe or chip in the authorization message.
Account-to-Account - ANS-See A2A
Accountholder Authentication Value (AAV) - ANS-One type of protection used inside the
smart card industry to describe a price at the chip that is used to authenticate the
accountholder. (Source: Smart Card Alliance)
Accounts Payable (A/P) - ANS-Debts a enterprise owes its creditors.
Accounts Receivable (A/R) - ANS-Debts owed to a business.
ACH - ANS-Automated Clearing House (ACH) is an electronic network for financial
transactions in the United States. ACH strategies large volumes of credit and debit
transactions in batches.
ACH - ANS-See Automated Clearing House
ACH Debit - ANS-this is the method wherein the purchaser gives a pre-approval to have
funds debited from either their checking or savings account. This is not a actual-time
transaction and can be challenge to non-enough finances rejection.
ACH Fraud - ANS-Utilizing the automated clearinghouse community to access finances
illegally. Some ACH fraud classes consist of: unauthorized transactions; returns/60‐day right
of recredit; patron fraud towards merchants; fraudulent use of stolen bank accounts;
transaction‐degree fraud; and service provider‐degree fraud.
ACH Network - ANS-The Automated Clearing House (ACH) Network allows commerce,
electronically, by serving as an efficient, reliable and steady payments gadget. NACHA, led
with the aid of member depository monetary establishments and payments associations,
fulfills this purpose via handling the improvement, management, and governance of the ACH
Network, and via imparting advanced offerings and fee to its individuals because the
, enterprise association liable for ACH bills. The ACH Network connects the originating
depository economic institutions with the receiving depository financial institutions.
ACH Operator - ANS-The valuable clearing facility, operated by way of a Federal Reserve
Bank or a private‐quarter company on behalf of depository economic institutions, wherein
taking part financial establishments transmit or receive ACH entries.
ACH Regional Associations - ANS-The 36 nearby governing our bodies of the Automated
Clearing House Network rules and regulations.
Acquirer - ANS-The financial institutions that directly or not directly enter into contractual
relationships with merchants for the attractiveness of plastic playing cards as a shape of fee
and for preserving and servicing such relationships.
Acquirer Fraud Activity Level - ANS-See Acquirer Monitoring Program.
Acquirer Monitoring Program - ANS-A application that video display units an acquirer's fraud
pastime level and offers reports to the acquirer while its degree exceeds established
thresholds. Advices and/or Alerts are despatched at predefined volumes of fraudulent hobby,
whilst the fraud amount exceeds a fixed greenback quantity per month, or while the
acquirer's fraud pastime to sales ratio exceeds a calculated average.
Acquirer Payment Gateway - ANS-See Payment Gateway.
Acquirer's Processing Date - ANS-The date upon which the transactions are submitted into
interchange for clearing and settlement.
Acquirer's Reference Number (ARN) - ANS-A 23‐digit or 24‐digit identity number unique by
using the Visa and MasterCard policies and submitted with the clearing information with the
aid of the backend processor. It consists of the bank identity range (BIN) and the acquirer's
processing date.
Acquiring Bank - ANS-The financial institution that contracts with a service provider, as
required by using card affiliation rules allowing the service provider to simply accept the
association‐branded financial institution playing cards. These playing cards may be
purchaser and/or company and credit score and/or debit or pay as you go. The merchant
has an account with this financial institution and every day deposits the price of the dayʹs
credit card income. Acquirers buy (acquire) the merchantʹs sales slips and credit the ticketsʹ
price to the merchantʹs account. See Merchant Bank.
Acquiring financial institution (or acquirer) - ANS-the bank or financial organization that
processes credit score and/or debit card bills for a mer- chant. Examples of acquirers include
HSBC and Wells Fargo.
Acquiring Member - ANS-The member of MasterCard or Visa that holds the legal
responsibility for service provider relationships and in go back receives all financial institution
card transactions from the merchant. This term can also be used to describe the disburser of
budget in a cash disbursement.
"Bug" - ANS-See Marks.
"Digital Dozen" - ANS-The 12 requirements of the Visa Cardholder Information Security
Program (CISP)
"Do Not Call Registry" - ANS-A provision of the federal Telemarketing Sales Rule introduced
in June 2003 that created a country wide registry to make it simpler and extra green for U.S.
Clients to forestall receiving telemarketing calls.
(EMV) - ANS-Technical specs developed mutually by using Europay International,
MasterCard International, and Visa International to offer standards and make certain
worldwide interoperability to be used of chip technology inside the charge industry.
A (partial fit, avenue only); - ANS-
A/P - ANS-See Accounts Payable.
A/R - ANS-See Accounts Receivable.
A2A (Account-to-Account) - ANS-The automated switch of price range from one account to
another. An example is the Fedwire or twine switch transaction.
AAV - ANS-See Accountholder Authentication Value.
ABA - ANS-See American Bankers Association.
ABA Transit Routing Number - ANS-The particular wide variety devised by means of the
American Bankers Association (ABA) in 1910 that identifies the bank provider of depository
bills. It is a ten‐digit number (9 digits and a verification digit) issued by using the Federal
Reserve Bank to become aware of each bank by way of a financial institution identity wide
variety. This wide variety (additionally called the ABA range and the routing transit number)
has changed through the years to deal with things like the Federal Reserve System, the
arrival of MICR, and the implementation of the Expedited Funds Availability Act (EFAA). It is
used each in check processing and inside the ACH (Automated Clearing House) routing of
digital checking account debits. The variety is commonly the first sequence of numbers
preceding an account number at the bottom of a check.
Access Card - ANS-A plastic card used in an automated teller device (ATM) to complete
deposits, cash withdrawals, account transfers, and different associated account capabilities.
Access Control System Format - ANS-In the smart card enterprise, a time period referring to
the bit sample that the reader transmits to the manage panel. The format specifies how
,many bits make up the data circulate and what those bits represent. For instance, the
primary few bits would possibly transmit the ability code, the following couple of the precise
ID variety, the next few parity, and so forth. (Source: Smart Card Alliance).
Access Device - ANS-A card, code, or other means of access to a patron's account that can
be used to provoke an digital budget switch. This time period does now not include the
terminal, cellphone, or private computer.
Access Point - ANS-A telecommunication time period referring to a tool or point wherein
connections may be made for testing or using particular communications circuits.
Access Provider - ANS-A business enterprise that provides its customers get entry to to the
Internet. The user typically connects to the get right of entry to providerʹs server by a modem
using a dial‐up connection or a broadband connection.
Access Time - ANS-The amount of time had to reap information from, or location statistics
into, pc garage.
Account Aggregation - ANS-See Aggregators
Account Data Compromises (ADC) - ANS-The time period used by MasterCard to explain
safety violations to card and account facts.
Account Funding Transaction - ANS-A time period used by Visa to indicate an electronic
commerce purchase transaction for the purpose of including price range to a Visa prepaid
account this is posted to a Visa card and consists of the transmission of the Account
Funding Transaction Indicator.
Account History - ANS-The price records of an account over a special duration, together with
the range of times the account was overdue or over the credit restriction.
Account Maintenance - ANS-For both the cardboard issuer and the card acquirer, the
operation concerning nondollar adjustments to the database, together with name, deal with,
and checking account adjustments, product profiles, billing data, and price adjustments.
Account Mask Information - ANS-Editing criteria used to verify the accuracy of a supplier's
account number in positive electronic fee transactions.
Account Number - ANS-Issuing: An company‐assigned range that identifies a cardholder's
account, the issuer, and the sort of economic transaction card (e.G., commercial card or
debit card). Acquiring: An acquirer‐assigned range that identifies a selected merchant or
group of merchants. Note: The first six digits of each variety identify the issuing and
acquiring establishments. See BIN.
Account Receivable Entry (ARC) - ANS-A single-access debit initiated by means of an
automatic clearinghouse (ACH) originator to a customer account of an ACH receiver
pursuant to a source document supplied through the receiver thru postal mail, or at a drop
box place or via electronic way. When a paper take a look at price is transformed to an ACH
,digital payment and with ARC, the test is destroyed after conversion; in POP, the test is back
to the take a look at author on the time of charge. These transactions waft through the ACH
Network. (Source www.NACHA.Org)
Account Takeover - ANS-See Cash Theft.
Account-Based Stored Value Card - ANS-A patron prepaid price card, with financial fee
stored in an account that is accessed and its price up to date when the customer uses the
price card. (Source: Smart Card Alliance)
Account-Number-Verifying Terminal - ANS-A point‐of‐transaction terminal that can be
required via Visa at certain high‐hazard locations. This terminal reads the account number
encoded on the magnetic stripe or embedded within the chip (clever card), compares the
remaining four digits of the encoded account variety to the keyentered remaining 4 digits of
the embossed account number, and transmits the overall, unaltered contents of the magnetic
stripe or chip in the authorization message.
Account-to-Account - ANS-See A2A
Accountholder Authentication Value (AAV) - ANS-One type of protection used inside the
smart card industry to describe a price at the chip that is used to authenticate the
accountholder. (Source: Smart Card Alliance)
Accounts Payable (A/P) - ANS-Debts a enterprise owes its creditors.
Accounts Receivable (A/R) - ANS-Debts owed to a business.
ACH - ANS-Automated Clearing House (ACH) is an electronic network for financial
transactions in the United States. ACH strategies large volumes of credit and debit
transactions in batches.
ACH - ANS-See Automated Clearing House
ACH Debit - ANS-this is the method wherein the purchaser gives a pre-approval to have
funds debited from either their checking or savings account. This is not a actual-time
transaction and can be challenge to non-enough finances rejection.
ACH Fraud - ANS-Utilizing the automated clearinghouse community to access finances
illegally. Some ACH fraud classes consist of: unauthorized transactions; returns/60‐day right
of recredit; patron fraud towards merchants; fraudulent use of stolen bank accounts;
transaction‐degree fraud; and service provider‐degree fraud.
ACH Network - ANS-The Automated Clearing House (ACH) Network allows commerce,
electronically, by serving as an efficient, reliable and steady payments gadget. NACHA, led
with the aid of member depository monetary establishments and payments associations,
fulfills this purpose via handling the improvement, management, and governance of the ACH
Network, and via imparting advanced offerings and fee to its individuals because the
, enterprise association liable for ACH bills. The ACH Network connects the originating
depository economic institutions with the receiving depository financial institutions.
ACH Operator - ANS-The valuable clearing facility, operated by way of a Federal Reserve
Bank or a private‐quarter company on behalf of depository economic institutions, wherein
taking part financial establishments transmit or receive ACH entries.
ACH Regional Associations - ANS-The 36 nearby governing our bodies of the Automated
Clearing House Network rules and regulations.
Acquirer - ANS-The financial institutions that directly or not directly enter into contractual
relationships with merchants for the attractiveness of plastic playing cards as a shape of fee
and for preserving and servicing such relationships.
Acquirer Fraud Activity Level - ANS-See Acquirer Monitoring Program.
Acquirer Monitoring Program - ANS-A application that video display units an acquirer's fraud
pastime level and offers reports to the acquirer while its degree exceeds established
thresholds. Advices and/or Alerts are despatched at predefined volumes of fraudulent hobby,
whilst the fraud amount exceeds a fixed greenback quantity per month, or while the
acquirer's fraud pastime to sales ratio exceeds a calculated average.
Acquirer Payment Gateway - ANS-See Payment Gateway.
Acquirer's Processing Date - ANS-The date upon which the transactions are submitted into
interchange for clearing and settlement.
Acquirer's Reference Number (ARN) - ANS-A 23‐digit or 24‐digit identity number unique by
using the Visa and MasterCard policies and submitted with the clearing information with the
aid of the backend processor. It consists of the bank identity range (BIN) and the acquirer's
processing date.
Acquiring Bank - ANS-The financial institution that contracts with a service provider, as
required by using card affiliation rules allowing the service provider to simply accept the
association‐branded financial institution playing cards. These playing cards may be
purchaser and/or company and credit score and/or debit or pay as you go. The merchant
has an account with this financial institution and every day deposits the price of the dayʹs
credit card income. Acquirers buy (acquire) the merchantʹs sales slips and credit the ticketsʹ
price to the merchantʹs account. See Merchant Bank.
Acquiring financial institution (or acquirer) - ANS-the bank or financial organization that
processes credit score and/or debit card bills for a mer- chant. Examples of acquirers include
HSBC and Wells Fargo.
Acquiring Member - ANS-The member of MasterCard or Visa that holds the legal
responsibility for service provider relationships and in go back receives all financial institution
card transactions from the merchant. This term can also be used to describe the disburser of
budget in a cash disbursement.
