Lexicon

Technology that uses an individual’s unique biological characteristics (fingerprints, facial recognition, iris scan) to authenticate identity for payments and access to banking services.

A technology for storing and transmitting information in the form of chained, unforgeable and decentralized blocks, used in particular for cryptocurrency transactions and secure financial systems.

Electronic means of payment issued by a bank or financial institution, enabling online and in-store purchases. Usually linked to a bank account, it offers a secure alternative to cash.

• Debit card: transactions are debited directly from the cardholder’s bank account, without delay.
• Credit card: with a cash reserve, you can make deferred payments, repayable according to pre-defined terms.

A 100% digital bank card, generated for secure online transactions, without the need for an associated physical card.

Procedure enabling a consumer to dispute a transaction and obtain a refund via their credit card issuer (Visa, Mastercard, etc.), often in the event of fraud or a commercial dispute.

Four-digit code associated with a bank card, known only to the cardholder. It is required to validate cash withdrawals and most in-store payments.

Agreement between a merchant and a bank or payment service provider, enabling the latter to accept credit card payments.

3-digit security code located on the back of a bank card, used to authenticate online payments.

The science of encrypting information to guarantee its security during banking transactions and digital payments.

All crimes committed via digital tools with the aim of stealing money or sensitive data.

European regulation that strengthens the security of online payments and facilitates open banking by obliging banks to share certain data with third-party service providers via secure APIs.

Fraud that targets online purchases through the theft of banking data or identity theft.

A fraud technique in which a hacker poses as an executive or supplier to persuade an employee to make a bank transfer to a fraudulent account.

Fraudulent transactions carried out without physical presentation of the card, usually online or by telephone.

Fraud committed in-store or at a physical terminal, where a card is used in an unauthorized manner.

Location-based payment analysis method to identify anomalies.

Patented technology using a transparent grid superimposed on an array of card-generated digits to create a unique code.

Unique identifier for an international bank account.

Fraudulent technique for modifying a beneficiary’s IBAN to divert a transfer.

Use of algorithms to analyze transactions in real time and detect suspicious behavior.

Attempted fraud aimed at stealing sensitive information by posing as a trusted organization via email or SMS.

Patented technology displays a unique QR Code to validate the wearer’s identity.

Cancellation of a transaction by the bank, often due to fraud or litigation.

Regulatory requirement introduced by PSD2 in 2019 to strengthen the security of online payments by relying on two of the three factors: knowledge, possession, inherence.

Fraudulent method of copying card data via devices placed on terminals.

Phishing by SMS to entice the victim to click on a fraudulent link.

Identity theft via email address, telephone number or website.

Replacement of sensitive data with a unique token to secure transactions.

Telephone scam aimed at obtaining sensitive information by posing as a trusted entity.

Security protocol for authenticating online credit card payments with enhanced validation.