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Resources > Glossary of Terms

Authorisation Levels / Signature Classes
E Single Signature User can personally authorise orders. Where orders specify a minimum of 2 signatures, a second subscriber's signature (E, A or B) is required.
A First Signature User can personally authorise orders. Where orders specify a minimum of 1 or 2 signatures, a second subscriber's signature (E, A or B) is required.
B Second Signature User can personally authorise orders. Where orders specify a minimum of 1 or 2 signatures, a second subscriber's signature (E or A) is required.
T Transport Signature User can submit orders. Their signature does not provide personal authorisation.
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