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Cobrand Glossary Acquiring Bank or Merchant bank The bank that does business with merchants that accept credit cards. Merchant deposits the value of his/her credit card sales, usually daily. Authentication verifying Ensuring a person is who she/he claims to be. Verify by account password or last 4 of CC, domain name, etc. Capture (or Payment Capture) Converting the authorization amount into a billable transaction record. The sequence is: Supply goods/services, authorize transaction, capture. Cardholder ? The person who opens a credit card account. Certificate, SSL An electronic affidavit that vouches for the identity of an entity to conduct business. CGI (Common Gateway Interface) A way of programming a web server to process requests for data. Used to build online forms, etc. Chargeback Debiting a charge from the merchant bank back to a Credit Card account. This is done when the cardholder disputes a charge. Client The receiving end of the server/client relationship. An example of a client is Firefox, which receives a webpage from a server, or Outlook Express whih receives email from a mail server. Credit card Gateway/Payment gateway The middleman between the merchant and the Merchant Bank. It passes data between the merchant's website and the bank's website. Database A way to organize information. Allows retrieval and updating of data without corruption. DNS Domain Name System, the internet's phonebook. Translates domain names to IP Addresses. Made up of whois serers and nameservers. Domain Name (Registered Domain A domain name, or registered domain name, is a unique Name) name used to identify a particular 'host' on the Internet. Because there can only be one of a particular domain name on the Internet, it has to be registered through a registrar. Electronic Check An electronic version of a traditional paper check using digital signatures. Currently not supported. Email Electronic mail. Mail is sent through the internet, to be retrieved by the recipient at their convenience. FTP FTP is how webpages and other files are put up into webspace. They can also be down-loaded to your computer using FTP. It stands for File Transfer Protocol. Gateway A device that allows communication between networks that use different protocols. Host Often synonomous with a computer running server software, it can also be a client computer. HTML The coding language used to write web pages. It stands for Hyper Text Markup Language. HTTP The protocol used to view web pages. It stands for Hyper Text Transfer Protocol. Hybrid Hosting Hosting websites on both Windows and UNIX web servers simultaneously. IMAP Email is viewed from your computer and stays on the server. It stands for "Internet Message Access Protocol. Incentive A reduction in price given to customers after a purchase has been made. A sales incentive is a bonus paid to sales persons for meeting/exceeding sales quotas. Internet Merchant A business selling products or services over the internet. IP Address A unique number that identifies a connection to the Internet. It works much the same way a telephone number identifies a unique connection to the telephone network. Link An html formatted image or text that sends a website visitor to another webpage or resource when clicked. Logs A record of network activity. Also a record of interactions with customers. Mall A collection of businesses under one administrator. There are online virtual malls, consisting of groups of ecommerce merchants. AN example is worldmall.com Merchant A business that accepts credit card payments in exchange for physical goods, services, or digital content. Merchant Account A bank account established to process payments through a payment gateway. Merchant ID A code provided by the bank or payment processor that is usually tied to a databse containing all information for a specific merchant. Nameserver A nameserver is a computer that contains the zone file for domains on the internet. Offline capture A payment capture method used by merchants who ship orders one or more days after the order is placed. The payment is captured when the order is shipped and the post- authorization message is sent to the payment processor. Online Connected to the internet. Online Capture A payment capture method used by merchants that ship orders on the same day they receive them. The payment is captured when the credit card is authorized. Online Store A website that accepts payment in exchange for goods and/or services. Payment gateway A combination of hardware and software that provides an interface to the bank card processing network. Examples are Echo, Paypal, Paymentech, etc. POP Downloads email to computer and deletes it from the server. Stands for "Post Office Protocol". Port A port is a number used to identify where data is to go when it reaches a server or computer. Each protocol has a different port number. Protocol A protocol describes a way of doing things. The format of an email or a website is set by a protocol. Common ones are POP, IMAP, and SMTP for Email, and HTTP, HTTPS, and FTP for websites. RBS Stands for Recurring Billing System, and is part of WebHostOS. Real-time Something that happens "while-you-wait" rather than being requested now and occurring later. Registrar An entity that registers internet domain names. The registrar determines which nameserver is associated with a domain. Script A file that is interpreted by the server (or client) to output a dynamic webpage. They can be either server-side or client- side scripts. Server A computer running software that provides services to clients on a network, such as email, websites, etc. SKU An SKU (Stock Keeping Unit)is a unique numeric code used to identify a product. SMTP The protocol used to send email on the internet. It stands for Simple Mail Transfer Protocol. SSL or Security Certificate A text file that is used by the SSL (Secure Sockets Layer) protocol to encrypt information sent over a network. It contains information about the certificate holder and his website to verify their identity. Swiped Card Credit card information that is electronically entered into a computerized system by swiping the credit card through a card reader or terminal Tax Class This is the type of taxes being applied; GST, HST, VAT, Federal, State, or County tax. Tax Jurisdiction A geographic area that determines which tax(es) should be charged. Ticket Specifically a technical ticket. These are created when more work needs to be done on an issue, such as work to be done on a server by a system administrator. URL Uniform Resource Locator. The address of a webpage or a file. It usually consists of a protocol (typically "http://"), domain name (E.g. "bob.com"), and possibly a path and filename ("/path/file.txt"). For example, "http://bob.com/path/file.txt". Void To cancel an purchase. Typically, a void is handled by issuing a credit to the same card which was charged. For a short period of time after a purchase is made it can be voided. Webmail email can be retrieved on a website. Email stays on the server and can be retrieved from nearly any computer. Webpage A file or group of files stored on a server computer connected to the Internet. whois A server that tells you who registered a domain, the status of the domain, and more. The information in the "whois" server is maintained by the registrar. Zone File A text file contained on a nameserver which contains the IP addresses with which to reach the website and/or email for a domain. The zone file is contained in a nameserver.
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