Glossary
D & B Duns Numbe |
Dun & Bradstreet Data Universal Numbering System. A unique 9 digit code that identifies and links more than 57 million companies worldwide. |
Data Encryption Standard (DES) |
A cryptographic algorithm adopted by the National Bureau of Standards for data security. The algorithm encrypts or decrypts 64 bits of data using a 56-bit key. |
Data Integrity |
Measures to prevent unauthorized alteration of data. |
Database |
A database is an organized collection of information. Computer databases allow for quick retrieval of information and flexible methods of searching through the data. |
Debit |
A charge to a customers bankcard account. A transaction, such as a check, automated teller machine (ATM) withdrawal, or point-of-sale (POS) debit purchase that debits a demand deposit account. |
Deciphering |
Conversion of ciphertext back into plaintext. |
Decryption |
Decryption is the process of transforming ciphertext back into plaintext. It is the reverse of encryption. |
Deposit |
Process of transmitting a batch of transactions from the merchant to the acquiring institution in preparation for settlement. |
Digital Signature |
A data element allowing the recipient of a message or transaction to verify the content and sender. |
Discount Fee |
Fee paid by the merchant to the merchant bank or other contracted party for processing the merchants credit card sales (transactions). |
Discount Rate |
This is the percentage rate that a merchant institution charges the merchant giving deposit credit for handling merchant sales drafts or electronic sales transmissions. The discount fee is the currency amount charged. |
Draft Capture |
The act of electronically capturing transactions. See Electronic Draft Capture. |
DSA |
Also known as electronic draft capture (EDC) or draft capture. A data processing term for collecting, formatting, and storing data in computer memory according to predefined fields, for example, customer name, account number, and currency amount of purchase. When a terminal reads this information from a plastic card or from entries at a terminal, the information is stored in computer memory for later output as a hard copy printout or as soft copy on a CRT display. |