Jump to terms that begin with the following letters:
access code: Term used to refer to the four-digit code on Form 1030. It is created by the client, not the caseworker. It is used only for identification purposes. It is not a PIN number.
American Red Cross 3045: A 3000 Series document that contains the policies, regulations, and procedures for the Client Casework activity.
Automated Clearing House (ACH): The nationwide batch-oriented electronic funds transfer system, which provides for the interbank clearing of electronic payments for participating depository financial institutions.
base response document: A document in the Disaster Services Program American Red Cross 3000 Series that provides the regulations, procedures, and philosophy governing the delivery of a single-disaster activity.
balance reversal: Term used by the bank for any remaining funds on a card that are returned to the chapter's bank account via a regular Automated Clearing House (ACH) transaction once the card is 60 days past its logical expiration date.
CardWiz: A Web-based card management application developed by WildCard Systems and provided by JPMorgan EFS for managing the Client Assistance Card Program.
caseworker: A Red Cross worker who provides emergency assistance by interviewing a client about the sequence of events that occurred during the disaster.
chapter-accounted disaster relief operation: An operation for which the accounting tasks are performed by the accounting office of the affected chapter or by a chapter designated by the Shared Services Center.
Chase: See JPMorgan Electronic Financial Services (EFS), a subsidiary of JPMorgan Chase Bank.
Cirrus and Maestro logos: Branding labels for MasterCard. The Cirrus brand indicates immediate access to a deposit account at ATMs worldwide. The Maestro brand indicates instant buying power and cash access at ATMs worldwide using a PIN.
Citicorp: Effective January 2004, Citicorp was sold to JPMorgan Electronic Financial Services, the card-issuing bank.
client: Any individual or family who seeks Red Cross assistance in recovering from a disaster. A client relationship is established by the individual's or family's contact with the Red Cross, whether or not financial assistance is provided.
Client Assistance Card (CAC): A type of stored-value card used to provide assistance to Red Cross clients. A caseworker determines the amount of assistance the Red Cross can provide after meeting with the client then loads a specific dollar amount on the card and issues the card to the client. The client can then use the card to purchase the items of assistance that he or she needs. CACs are not specific to a certain vendor and can have additional funds loaded onto them if it is determined that a client needs further assistance. Compare with Disbursing Order.
Client Assistance Card Authorization: Documents the type and value of the assistance provided to a client. It also documents the specific card number and authorizes the client to use it.
Client Assistance Card Charge-Out Record: Similar to the charge-out record for Disbursing Orders. It tracks possession of the cards and can be preprinted or handwritten. The Charge-Out Record provides an audit trail when possession of one or more cards is transferred from one person to another.
Client Assistance System (CAS): An Internet-based application used by the Red Cross to manage information about a disaster relief operation and the clients and cases related to that disaster relief operation, including the items of assistance given to clients to meet their disaster-caused needs.
Client Instructions: Customized for each disaster relief operation. Client Instructions provide a reference for the client when she starts using the card. The instructions include phone numbers and a Web site the client can use for questions and more information.
debit card, pin-based: The banking industry term used to describe the cash-enabled card. Clients may use the card at the point of sale or ATM locations. At point of sale locations they may select the "Credit" button or the "Debit" button. They will require their PIN number when shopping.
debit card, signature-based: The banking industry term used to describe the cash-restricted card. Clients may use the card only at the point of sale. At point of sale locations they must select the "Credit" button. If they select the "Debit" button, since they have no PIN number, their transaction will not go through. If they attempt to use their access code, it will cause the transaction to be rejected.
Disaster Action Team (DAT) bag: Need Definition [Jaime, just wanted to flag this missing definition.]
Disaster Operations Center (DOC): The 24-hour operations center located at national headquarters and managed by Disaster Services.
disaster relief operation (DRO): A temporary administrative organization created by the Red Cross to focus resources on, and accomplish service delivery for, a specific disaster. Acceptable abbreviated terms are "relief operation" and "disaster operation."
disaster services: The services the Red Cross provides to people affected by a disaster within the policies of the Red Cross and the regulations and procedures of the Preparedness and Response Department at national headquarters.
Disaster Services Program ARC 3000 Series: A series of documents addressing each of the Disaster Services Program areas and consolidating in one place the American Red Cross disaster services policies, regulations, procedures, and training documents.
Disbursing Order (DO): A form (Form 140C for chapter-accounted relief operations or Form 140N for nationally-accounted relief operations) used by the Red Cross to document a disaster relief commitment and to authorize expenditure of funds to meet that commitment.
disbursing process: All activities related to providing financial assistance to individuals and families and to providing payment to vendors to which the Red Cross has made a commitment.
Electronic Financial Services (EFS): A division of the JPMorgan bank that provides the client assistance card program to the American Red Cross.
emergency assistance: Standardized individual assistance provided to a client as soon as possible following a client's first contact with the Red Cross.
expense classification: An account code used to identify the primary purpose of each commitment or expenditure on a disaster relief operation. Also known as assistance classification, classification of assistance, or class of expense.
expiration dates: Cards have both a logical expiration date and a physical expiration date.
family: Any group of individuals that composes a single household, whether or not they are related to each other. Compare with individual.
financial levels: Dollar limits designated by the chapter that are assigned to Issuers and Supervisors via the Secure Access user ID administration application. When applying for the program, the chapter may select two different dollar limits for both Issuers and Supervisors. Reviewers do not have financial authority, so no dollar level is assigned.
floor limit: The maximum amount that can be charged without the merchant receiving specific authorization. Due to incentives in place by MasterCard, it is rare for a merchant to not submit a pre-authorization either electronically or by telephone.
Hold and Release on Cardholder Funds (Pre-authorization) 10- Day Rule: The hold on a cardholder's funds, due to pre-authorization. These funds are typically held then released within 7 to 10 days of the initial transaction date. See also pre-authorization and Merchant 30-Day Rule.
household: A family or other group of individuals who live together and act jointly in conducting most or all domestic activities or an individual who lives alone or lives with others but acts alone in conducting most or all domestic activities. Examples of domestic activities are having most meals together and sharing responsibility for maintaining a home (for example, jointly paying for utilities).
Identification Log:Used to record basic caseworker information, such as name, identification and authorization to receive Client Assistance Cards.
individual: One person. In the phrase "individual, family, or both," individual refers to a person who is the sole member of a household, even though he or she may share a residence with one or more other persons. (Compare with family.)
individual assistance provider: A Red Cross employee or volunteer on a disaster relief operation who interacts with clients for the purpose of providing emergency disaster-related individual assistance and services. Compare with worker.
Individual Client Services: Services provided to persons affected by disasters through a casework process. These activities and services may include direct financial assistance for replacement of essential items, counseling services, health-related services, and reunification or welfare information services.
items of assistance: Goods and services provided by the Red Cross to clients on an individual basis.
JPMorgan EFS: Also known as Chase. The CAC program was hosted by Citicorp EFS until transferred by purchase effective January 1, 2004, to JPMorgan Electronic Financial Services (EFS).
logical expiration date: 120 to 150 days after activation. Although the card does not display a specific date, the cards can remain active 120 to 150 days after activation, depending on what date during the month the card was activated. This date is always rounded to the last calendar day of the month. The date for a specific card may be viewed using the Premium Report titled Card Detail Report.
Merchant Category Code (MCC): A classification used by MasterCard to indicate the type of merchant, for example 5310 MCC represents Discount Stores.
Merchant 30-Day Rule: The merchant has 30 days from the date of the transaction to settle (post) the charge as long as a pre-authorization has occurred, even after the pre-authorization is released within the 10-day rule. See also Hold and Release on Cardholders Funds (Pre-authorization) 10-Day Rule.
Merchant Letter: Customized for each disaster relief operation. The letter describes the card and lists the regulations that apply to all merchants accepting the card. The shopper presents the letter to the merchant.
MyReportsOnline (www.MyCardOnline.net): Online report for viewing information about one card at a time and may be used by the client or the chapter to view card balance information.
nationally-accounted disaster relief operation: An operation for which the accounting tasks are performed by the Shared Services Center or are performed by a designated chapter under the direction and oversight of the Shared Services Center.
non-point of sale (non-POS): Cash-enabled cards work at ATMs, a non-POS location, as well as at a point of sale. See also point of sale.
Online CardWiz Reports: Reports available directly in CardWiz that provide a near real-time view of card activity. See reports.
physical expiration date: Similar to a credit card, the date embossed on the card. The date is useful if the card is used to make purchases by phone or Internet. This date defines the final expiration date of the card regardless of whether it had been activated at any time.
PIN: An acronym for personal identification number. The four-digit number, issued by the bank, is used as an electronic signature with the PIN-based cash-enabled cards. Only cash-enabled Client Assistance Cards have PINS. If a client wants to receive cash back, she must select debit as the transaction type and enter the designated four-digit PIN. A PIN is not the same number as the access code. See also access code.
point of sale (POS): Cash-restricted cards work only at point of sale. See also non-point of sale.
pre-authorization: The amount that it placed on hold until the transaction is settled (posted). With hotels, restaurants, and gas stations, the amount can vary from 15 percent to 40 percent. The higher rate usually applies to hotels. See also Hold and Release on Cardholder Funds and Merchant 30-Day Rule.
Premium Reports: Daily, weekly, and monthly card activity reports available to each chapter via a Web site provided by JPMorgan EFS. The reports reflect historical card activity and are downloadable for use in spreadsheets for a period of one year.
Quick Pay Services (QPS) merchant: A bank-defined merchant type which has special rules in place in order to encourage faster service and greater use of the card.
Register of Purchases envelope: An envelope with spaces on the front for tracking card use. A client uses it to keep a running balance of expenditures on the front and put purchase receipts inside.
reports: Three types of reports will be available to chapters via the Internet: Premium Reports, Online CardWiz Reports, and MyReportsOnline.
representment: Happens when a transaction is completed, then disputed by the cardholder. The funds are then drawn from the merchant and credited back to the cardholder. Merchants can request the transaction be processed (represented) again, if they feel the transaction was reversed in error.
Secure Access: Web-based user administration application developed by WildCard Systems, provided by JPMorgan EFS that allows chapters to manage CardWiz user IDs.
service area-accounted disaster relief operation: An operation for which the affected service area is responsible for ensuring that reports are submitted, for administering and tracking financial expenditures of the relief operation, and for forwarding reimbursement requests to national headquarters.
service center: A temporary service delivery location established by the Red Cross to provide individual assistance to disaster victims.
Service Delivery site: Any facility or site at which any direct services are provided to clients.
staff: Red Cross employees and volunteers engaged in any Red Cross activity.
standardized assistance: The term used to describe the manner in which Red Cross individual assistance provides each individual or family with items of assistance and/or services that are similar in quantity, quality, and type to those provided to all other disaster clients affected by that disaster, taking into account the cultural and geographical differences of the affected area, with variations only on the basis of need and family composition. The primary mechanism for providing standardized assistance is the Standardized Emergency Assistance Price List (ARC 4416) or a Red Cross unit's locally developed and nationally-approved price list.
Standardized Emergency Assistance Price List (ARC 4416): The primary mechanism for providing standardized assistance. Items of emergency assistance are to be provided on a uniform basis to individuals and families with disaster-caused needs. All items are intended to enable disaster clients to begin their recovery.
worker: Any person providing disaster relief services, whether affiliated with the Red Cross or not. Compare with staff.