Depository Financial Institution:

A financial institution that:

• Is authorized by law to accept deposits;
• Is eligible for Federal Deposit Insurance Corporation (FDIC) or National Credit Union Share Insurance Fund (NCUSIF) insurance
• Is insured by the FDIC or the NCUSIF; or If not federally insured, has funded an account as security against the unwillingness or inability of the financial institution to meet its obligations under these Rules, in an amount and form determined by STAR.

Doing Business As (DBA):

Refers to the specific name and location of the merchant establishment where credit card purchases are made.

Data Capture (AKA Draft Capture):

The collection, formatting and storage of information in computer memory. Some point-of-sale terminals perform data capture functions. See EDC Terminal.

Data Encryption Algorithm (DEA OR 3DEA):

The cryptographic algorithm as defined in ANS X3.92-1987, Data Encryption Algorithm and updated in ANS X9.52-1998, Triple Data Encryption Algorithm Modes of Operation. It is the only cryptographic method approved for use in the STAR Network for PIN and key Encryption.

Data Encryption Key (DEK):

Used for the encryption of message text and for the computation of message integrity checks (signatures).

Data Encryption Standard (DES):

The NIST Federal Information Processing Publication (FIPS Pub. 46) standard which defines the use of the Data Encryption Algorithm. The cryptographic method used by the STAR Network for data Encryption.

Database:

A collection of data organized and designed for easy access, e.g., a collection of customer names and addresses.

Debit:

A charge to a customer’s bankcard account.

Debit Card:

Any card that primarily accesses a Deposit Account.

Debit Transaction:

A bankcard used to purchase goods and services and to obtain cash, which debits the cardholder’s personal deposit account.