Encryption:

The technique of scrambling data automatically in the terminal or computer before data is transmitted for security/anti-fraud purposes.

Embossing:

The process of printing data, in the form of raised characters, on the bankcard. Provides identification of the card and allows the imprinting of sales drafts.

Eligible Terminal:

A STAR Terminal at which an Acquirer Member is authorized by the STAR Network to apply a Convenience Fee to STAR Transactions. A POB Terminal is not an Eligible Terminal.

Eligible STAR Transaction:

A STAR Transaction to which a Convenience Fee may be applied. Eligible Transactions are limited to the following types of STAR Transactions:

• Withdrawal
• Cash Advance
• Purchase (not including a STAR MoneyGram Send Transaction)
• Preauthorization Completion
• Internet Purchase
• PIN-less Utility Bill Payment
• Internet Utility Bill Payment

Eligible STAR Internet Merchant:

A STAR Internet Merchant at which an Acquirer Member is authorized by the STAR Network to apply a Convenience Fee to STAR Internet Transactions.

Eligible Non-U.S. Country:

A foreign (non-U.S.) country which has been approved by STAR as a country in which International Members may be headquartered and under whose laws an International Member may be organized.

Eligible Deposit:

U.S. currency, checks and money orders payable in U.S. currency and drawn on or payable by a bank, savings bank, savings and loan association or credit union, or branch thereof located in the United States, and deposited for credit to a STAR Cardholder’s Deposit Account. Foreign (non-U.S.) currency and items payable in foreign (non-U.S.) currency, items drawn on or payable by an institution or other person located outside the United States, items with passbooks attached, photocopies, certificates of deposit, banker’s acceptances, and nonnegotiable writings are not Eligible Deposits. Returned or canceled checks or drafts are not Eligible Deposits.

Electronic Point of Sale:

A point-of-sale merchant with electronic equipment for pricing and recording transactions, but not necessarily incorporating functions for electronic funds transfer.

Electronic Mail (E-mail):

A system where a computer user can exchange messages with other computer users (or groups of users) via a communications network.

Electronic Funds Transfer at the Point of Sale:

The technology and practice of making payments for goods and services by means of electronic funds transfer initiated at the point where goods and services are purchased.