Alternative Payment Methods. New way for people to pay for things without using cash or cards.

Card Verification Value (Visa)

Data to be encrypted etc. Always a multiple of 8 bytes

Data Encryption Standard

Data Protect Key. Usually a random generated session key (KS)

Derived Unique Key Per Transaction

Europay, MasterCard and Visa. Technical standard for smart payment cards.

Electronic Funds Transfer

A specialized EFT payments application running on a payment device

Initial PIN Encryption Key

Graphical User Interface

Hardware Abstraction Layer

headstart EFT simplification layer for 3^rd party EFT Client applications/devices

Message authentication algorithm using SHA-1 hash

Hardware Security Module

The iPhone operating system

Electronic Point Of Sale software application

Key Check Value.

Key Exchange Key (MasterCard).

Key Generation Key

Magnetic Stripe Card

Magnetic Stripe Reader

A mobile PED

Operating System

The customer Primary Account Number.

The Personal Id Number. It may be formatted in several ways depending on the
function.

PIN Protect Key

The PIN Verification Key may be used for PIN protection as well as for PIN
Verification.

Payment Card Industry, regulations exposed on the PCI web site

PIN Entry Device, a hardware device accepting credit cards and verifying PIN validity

Point Of Sale application/device

PIN Verification Key Indicator (Visa).

PIN Verification Number

PIN Verification Service (Visa).

PIN Verification Value (Visa).

Return Code

The second field in all response messages. If this field is non-zero then an error is
indicated and none of the fields which normally follow will be sent.

Remote Key Injection

Random Number

Secret Key

Security Management Information Data

Shared Secret Key

Also referred to as 3DES, a mode of the DES encryption algorithm that encrypts data
three times

Terminal Key

Tamper Resistant Security Module