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	128-bit Encryption
	This is a computer security program that helps protect the data sent through the internet by scrambling it into unreadable format.
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	A
	Account Statement
	Summarizes your banking activity. Looks similar to the monthly statement that you receive in the mail.
	Address
	It is the location of a site in the internet. Also referred to as the URL (Uniform Resource Locator).
	Application
	It is a set of instructions to be followed by the computer. Also referred to as software or program.
	ATM
	Automated Teller Machine. A device that allows you to access your deposit accounts 24 hours a day. It permits the flexibility to do your usual banking transaction without the aid of a human teller.
	Authentication
	The process by which clients and financial institutions can verify the identity of their counterparts during the exchange of personal or financial information.
	Available Balance
	It is your withdrawal balance as of date of inquiry (real time) or the amount that is accessible at the moment.
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	B
	Backslash (\)
	It is a symbol used in MS-DOS that separates directories and filenames.
	Backup
	It is a copy(ies) made of a file(s) that is/are used in situations where the original file(s) is/are destroyed.
	Banking Day
	Days of transacting business. Monday to Friday, excluding holidays and legal holidays. Saturday, Sunday and legal holidays are considered part of the next banking day.
	Baud
	It is a unit that measures speed of transmission of data. The speed of transmission is measured through a modem.
	Binary Digit or Bit
	It is used in the measurement of the capability of a microprocessor to process data.
	Bookmark
	It is a way to mark a web page the web browser users want to return to.
	Boot
	The process of starting a computer.
	Browser
	It is a program (e.g. Netscape Communicator, Microsoft Internet Explorer) that allows you to view Internet locations.
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	C
	Cabling
	Wires that connect the different parts of the computer.
	Cache
	Web site’s database generating static copies of frequently requested pages, that reduces processing the time.
	Carrier Detect
	It is a signal used in establishing a connection between two modems through a telephone line.
	CD-ROM
	Compact Disk-Read Only Memory. It is a device that allows you to read optical compact disc media.
	Central Processing Unit (CPU)
	It is so called the "brain" of the computer. The chip or set of chips inside the computer that performs most calculations; controls peripherals and other parts of the computer, and extracts, decodes, and executes instructions from the memory.
	Certificate Authority
	A trusted third party that issues certificate which can be used by individuals or organizations to verify their identity or credentials. Certificates generally contain an entity name, their public key, an expiration date, a serial number and identifying information about the certificate authority including their digital signature.
	Ciphertext
	It is the text that is impossible to read without having a key to unscramble the information to its original readable form.
	Commercial Online Service Provider
	It is a company that provides access to the Internet in addition to its proprietary content and services.
	Communication Software
	It is a program used in transferring data from one computer to another through a modem or a network.
	Common Gateway Interface (CGI)
	A server-side communication standard supported by all web servers for accessing external programs.
	Cookie
	It is a small information file that is transferred from a web server to your web browser to be stored and accessed on your computer. There are several types of cookies and they are used for many different reasons depending on the web site that you are visiting. One of the most common reasons for a web site to send you cookies is to remember who you are and your preferences for certain kinds of information. Only the site that sends you cookies is able to read them.
	Cryptography
	It is the practice and study of encryption and decryption – encoding data so that it can only be decoded by specific individuals.
	Cryptosystem
	It is the system for encrypting and decrypting data.
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	D
	Data
	It is a digital form of numbers and text used by a computer in order to do its work.
	Default
	The assumption that lets the computer perform a certain action unless the web user specifies differently.
	Device
	Equipment that sends or receives data (e.g. printer, modem).
	Dialog Box
	A window that pops up in a program, which asks the user for information.
	Directory
	It is the organization of files.
	Digital Certificates
	Also referred to as digital ID’s or public key certificates. Digital certificates allow individuals or organizations to electronically verify their identity. Certificates are the digital equivalent to a passport or a driver’s license and are used in applications where higher levels of authentication are required and where passwords may be either insufficient or inconvenient.
	Digital Signature
	A digital signature is an electronic identifier that can be amended to electronic documents or transactions. It serves three main purposes – it provides authentication, non-repudiation and integrity – and any attempt to alter the information would be detected.
	Disk Operating System or DOS
	A system which tells a personal computer how to work.
	Download
	It is the process of transferring / receiving files from one computer to another using a modem.
	Data Terminal Ready (DTR)
	It is a signal used by a computer to tell its modem that it is ready to receive information.
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	E
	Electronic Mail or E-mail
	These are messages you send through your computer over the Internet.
	Encryption
	The process of scrambling data into an unreadable format that is more secure for transmission over the Internet. Information is scrambles or encrypted at the client side (web browser) and then unscrambled or decrypted at the server side (web server). The two most common levels of encryption are 40 bit and 128 bit and they have both been implemented commercially on popular browsers like Microsoft Internet Explorer and Netscape Navigator.
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	F
	Frequently Asked Questions or FAQ
	It is a section that helps the user to get quick answers to questions they may have. These are common to a lot of sites in the internet.
	File
	It is a named data or program stored in a disk.
	File Transfer Protocol
	It is a standard that allows user to transfer files from one computer to another using modem and telephone lines.
	Floppy Disk
	It is a magnetically coated disk used in storing data or program for a computer. Also known as disk or diskette.
	Firewall
	It is a security program that acts as a barrier between public networks (e.g. Internet) and private networks (e.g. Intranet site or company’s internal network). The firewall either authenticates an outside user or prevents him from gaining access. It is a combination of industrial strength computer hardware and software that securely separates the Internet from internal web servers and computer systems.
	Fund Transfer
	An Internet-based service where funds are transferred online. The account where the transfer came from will be deducted with the transferred amount while it will be added to the account where it would be transferred.
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	G
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	H
	Handshake
	It is the exchange of signals between two connected computers. It indicates that data transmission can be done safely.
	Hard Drive
	It is the internal drive of the computer, where data, files and programs are being stored.
	Home Page
	It serves as the welcome page of a web site. It provides links to other web pages of the site.
	HTML Editor
	It is a software program that makes creating a web page nearly as easy as typing a memo using a word processor.
	Hyperlink
	It is a connection found in web pages and other electronic documents that when clicked with a mouse, automatically opens a file or web page. It may be a word, icon, or graphic.
	Hypertext Markup Language (HTML)
	It is a language used in creating web pages and other documents that can contain text, graphics and hyperlinks.
	Hypertext Transfer Protocol (HTTP)
	It is a set of standards that allows computer user to access the World Wide Web.
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	I
	Import
	It is the method of loading a file created by another program.
	Install
	It is the method of loading a program on the computer’s hard drive.
	Interface
	It is the connection (e.g. keyboard or monitor) between the computer and the user.
	Internet
	It is basically a set of computers linked together through a network so computer users in different locations can have access to the same information. It is the information superhighway made possible by standard transmission controls/Internet protocols (TCP/IP).
	Internet Address
	It is the location of a site in the internet. Also referred to as the URL (Uniform Resource Locator).
	Internet Banking
	Allows you to perform banking transactions through a computer with internet connection and a secure browser. It allows you to check your account balances and transaction history, transfer funds, request for check stop payment, check your bills, reorder checkbooks and avail of other banking services anytime and anywhere.
	Internet Service Provider
	It is a company or organization that provides users connection to the World Wide Web by dialing into its computer using a modem.
	Intranet
	It is the company’s internal web site. It is accessible to employees but protected from the general public by a firewall.
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	J
	Java
	It is a computer language that can be read by different computer platforms without the need for programmers to port the program to each platform.
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	K
	Key
	A value that must be fed into the algorithm used to decode an encrypted message in order to reproduce the original plain text. Some encryption schemes use the same (secret) key to encrypt and decrypt a message, but public key encryption uses a “private” (secret) key and a “public” which is know by all the parties.
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	L
	Launch
	To start a program.
	Lightweight Directory Access Protocol (LDAP)
	It is an open standard for programs to store and retrieve names, addresses, email, phone numbers, and other information from an online directory.
	Local
	It is a computer hardware used by an end user on a computer network or the Internet to query a remote server.
	Localization
	It is the process of adapting a computer program for a specific international market. It includes translating the user interface into a foreign language and resizing dialog boxes to fit the new language.
	LPT
	It is the name given to the parallel ports of the computer in MS-DOS.
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	M
	Megabyte or MB
	It is used to measure the computer’s memory capacity.
	Megahertz or MHz
	It is used to measure a computer system’s speed.
	Memory
	It refers to the chips in the computer where information is stored. The two types of memory are Read Only Memory (ROM) and Random Access Memory (RAM).
	Modem
	A device that translates the digital signals from the user's computer into analog signals that can travel over a standard phone line. Modems come in different speeds and can be installed inside your computer (internal), or connected to your computer’s serial port (external).
	Mouse
	It is a pointing device used in selecting input for the computer.
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	N
	Network
	It is a system of autonomous computers connected to each other for communication and data transfer.
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	O
	Offline Cache
	It allows users to download information from an information broadcast channel, automatically save it on their system’s hard drive, and view it at a later date.
	Online Banking
	Allows you to perform banking transactions through a computer with internet connection and a secure browser. It allows you to check your account balances and transaction history, transfer funds, request for check stop payment, check your bills, reorder checkbooks and avail of other banking services anytime and anywhere.
	Online Check Free Payment
	Internet-based service providing payments to third parties from your designated accounts. This allows you to pay virtually anyone – companies and individuals – at any time.
	Operating System
	It is the software (e.g. Windows 98) that manages the hardware and programs of the computer.
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	P
	Path
	It is the location of a file, which includes the drive, directory, and filename.
	PC
	Personal computer.
	Platform
	It is a computer operating system such as Windows, Sun, Macintosh, or Unix.
	Port
	It is an electrical connection that translates a computer application into another computer language so it can be read on another operating system.
	Prompt
	It is a computer’s request for you to provide information or perform an action.
	Protocols
	It is a set of standards that allows file transfer or communication to take into place between two computers.
	Push
	It is a software program that retrieves information from web sites and deposits a copy on the user’s computer to view offline.
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	Q
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	R
	README
	It is a text file that contains an up-to-date information about a program.
	Real Time Transfer Protocol or RTP
	It is a protocol that provides support for applications with real time properties, including timing construction, loss detection, and security and content identification.
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	S
	Search Engine
	It is a web-based program that allows users to search and retrieve specific information from the World Wide Web.
	Secure Multipurpose Internet Mail Extension or S/MIME
	It is a standard for sending and receiving encrypted mail.
	Secure Socket Layer (SSL)
	It provides a high level of security for Internet communications. SSL provides an encrypted communications sessions between your web browser and a web server.
	Server
	It is a computer hardware and software that is attached to a network and which automatically stores, processes, and transmits data or information that is generally accessed by many people using client programs.
	Spreadsheet
	It is a computer program (e.g. Microsoft Excel or Lotus 1-2-3), which allows users to chart information in a series of boxes or cells.
	Standard Mail Transfer Protocol (SMTP)
	The standard mail protocol for sending email over intranets and the Internet.
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	T
	Time Deposit (CD or Certificate of Deposit)
	It is a bank account which pays a fixed or variable amount of interest over a fixed period of time.
	Total Balance
	Fund availability.
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	U
	Uploading
	To transmit a copy of file from one computer to another using a modem.
	Uniform Resource Locator or URL
	The location or address of a site on the Internet.
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	V
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	W
	Web Browser
	It is the software program (e.g. Microsoft Internet Explorer, Netscape Navigator) you use to access the World Wide Web., the graphical portion of the Internet.
	Web Page
	It is a single document of a Web site containing text, hyperlinks, and graphics that relate to one specific topic.
	Web Server
	It is a computer hardware where web pages are stored and accessed by users.
	Web Site
	It is a group of similar linked web pages managed by a company, organization, or individual.
	World Wide Web
	Group of web sites that can viewed in the internet world wide.
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	X
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	Y
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	Z
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