| 3SKEY |
A multi-bank and multi-network personal digital identity token, provided by SWIFT. |
| AdES |
Advanced Electronic Signature |
| AISP |
Account Information Service Provider: An online service to provide consolidated information on one or more payment accounts held by the payment service user with either another payment service provider or with more than one payment service provider. (see PSD2) |
| API |
Application program interface: A set of routines, protocols, and tools for building software applications. |
| ASPSP |
Account Servicing Payment Services Provider: A payment service provider providing and maintaining a payment account for a payer. (see PSD2) |
| CBDC |
Central Bank Digital Currency |
| CEF |
Bluetooth Low Energy |
| CEF |
Connecting Europe Facility |
| CGI |
Common Global Implementation |
| CSC |
Common Secure Communication. (see PSD2) |
| CSR |
Certificate Signing Request |
| CSV |
Comma-Separated Values: A file that stores tabular data (numbers and text) in plain text. Each line of the file is a data record. |
| ECDH |
Elliptic-curve Diffie–Hellman (ECDH) is a key agreement protocol that allows two parties, each having an elliptic-curve public–private key pair, to establish a shared secret over an insecure channel. |
| EBA |
European Banking Authority |
| EBA |
European Banking Authority |
| EBICS |
Electronic Banking Internet Communication Standard |
| EDS |
Electronic Distributed Signatures (see EBICS) |
| eIDAS |
REGULATION (EU) No 910/2014 on electronic identification and trust services for electronic transactions in the internal market. |
| eID |
Electronic Identification |
| ERP |
Enterprise Resource Planning |
| GDPR |
REGULATION (EU) 2016/679 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data. |
| HSM |
Hardware Security Module: A physical computing device that safeguards and manages digital keys for strong authentication and provides crypto-processing. |
| HTTPS |
Hypertext Transfer Protocol within a connection encrypted by Transport Layer Security. |
| I/O |
Input/output: A system of communication for information processing systems. |
| IoT |
Internet of Things |
| JSON |
JavaScript Object Notation: A lightweight data-interchange format. |
| MIG |
Message Interface Guide |
| NACHA |
(US) National Automated Clearinghouse Association |
| NextGenPSD2 |
NextGenPSD2 is a Berlin Group taskforce that has worked on a detailed PSD2 'Access to Account (XS2A) Framework' (Open Banking API). |
| OS |
Operating System |
| PDF |
Portable Document Format |
| PIN |
Personal Identification Number: A numeric password used to authenticate a user to a system. |
| PISP |
Payment Initiation Services Provider: A service to initiate a payment order at the request of the payment service user with respect to a payment account held at another payment service provider. (see PSD2) |
| POS |
Point of Sale |
| PSD2 |
DIRECTIVE (EU) 2015/2366 on payment services in the internal market. |
| PSP |
Payment Services Provider: e.g. Credit Institution; Electronic money institution; Post office giro institution; Payment institution; ECB; National central bank. (see PSD2) |
| PSU |
Payment Services User: A natural or legal (company) person making use of a payment service in the capacity of payer, payee, or both. (see PSD2) |
| QR |
Quick Response |
| REST |
Representational State Transfer: A set of architectural principles for designing web services. |
| RTS |
Regulatory Technical Standards, submitted to the European Commission for endorsement (and entry into force). |
| SEPA |
Single Euro Payments Area |
| SCD |
Signature Creation Device. (See eIDAS) |
| SFG |
IBM Sterling File Gateway |
| TEE |
Trusted Execution Environment: A secure area of the main processor of a device. It guarantees code and data loaded inside to be protected with respect to confidentiality and integrity. |
| TPP |
Third Pary Provider. (See PSD2) |
| XAdES |
XML Advanced Electronic Signatures |
| XML |
Extensible Mark-up Language |
