ATM Machine - An automated teller machine (ATM) is a computerized telecommunications device that provides the customersfinancial institution with access to financial transactions in a public space without the need for a human clerk or bank teller. On most modern ATMs, the customer is identified by inserting a plastic ATM card with a magnetic stripe or a plastic smartcard with a chip, that contains a unique card number and some security information, such as an expiration date or CVC (CVV). Security is provided by the customer entering a personal identification number (PIN). Using an ATM, customers can access their accounts in order to make cash withdrawals and check their account balances. ATMs are known by various casual terms including automated banking machine, cash machine, hole-in-the-wall, cashpoint or Bancomat (in Europe and Russia).

BIN / BIN Sponsor - A Bank Identification Number (BIN) is the first six digits of the number of various financial cards. These digits identify which network the card belongs to as well as which organization issued it. Cards participating in the BIN system include:credit cards, debit cards, stored value cards and electronic benefit transfer cards. A BIN Sponsor is a financial institution who issues a card program on behalf of another financial institution or program manager.

Card Processing Services -  A service provided by a company to manage the authorizations, profiles, balances, settlements, debits, credits and security of a card program.  Card Processing services may also inlcude client support schemes such as call centre, IVR, web support and related customer service functions.

Financial Institution - In financial economics, a financial institution acts as an agent that provides financial services for its clients. Financial institutions generally fall under financial regulation from a government authority. Common types of financial institutions include banks, building societies, credit unions, stock brokerages, asset management firms, and similar businesses.

Financial Services Commission (Gibraltar) - The functions of the Commission are to keep under review the operation of Gibraltar legislation and the effectiveness of supervision of financial services; to monitor the extent to which Gibraltar legislation and supervision complies with European Union obligations and supervisory standards governing financial services in the United Kingdom where Community law applies; to protect the public against financial loss arising out of dishonesty, incompetence or malpractice; to advise the Government of Gibraltar and the Government of the United Kingdom on matters concerning financial services; and to draw up codes for regulating the terms of service of persons employed by the Commission. 

The Commissioner, who is also the Commissioner of Banking and the Commissioner of Insurance, is the chief executive officer of the Commission and is charged with the responsibility of supervising institutions carrying on finance business in or from within Gibraltar. He is required to ensure that such supervision complies with any applicable obligation Gibraltar has as a constituent of the European Union and to establish supervisory standards which match those required by legislation and supervisory practice governing the provision of financial services within the United Kingdom.

Loading Network - A network of retail business locations which have an established a secure electronic facility with the issuer of a stored value card program to accept a cash transaction. The retailer through its electronic facility will communicate the acceptance of a cash tranaaction to the issuer and the corresponsing value will be added to the customers stored value card. The retailer usually receives a processing fee for this service.

Stored Value Card - A stored-value card represents money on deposit with the issuer, and is similar to a debit card. One major difference between stored value cards and debit cards is that debit cards are usually issued in the name of individual account holders, while stored value cards are usually anonymous, although the trend and regulatory issues are changing this and increasing the number of registered cards, especially in the case of cards which are re-loadable. The term stored-value card is usually a misnomer, as most indicia of the cards' value are maintained on computers affiliated with the card issuer. The value associated with the card can be accessed using a magnetic stripe embedded in the card, on which the card number is encoded; using radio-frequency identification (RFID) or smart card chips.