Category Archives: Finance

Credit card jargon

PAN – the card number

BIN – the first 6 digits of the card number, which identifies the issuer of the card  

CVV –  It is on the back of your card. Normally it has 3 digits.  Providing your CVV number to an online merchant proves that you actually have the physical credit or debit card – and helps to keep you safe while reducing fraud. 

CDE – A computer system or networked group of IT systems that processes, stores
and/or transmits cardholder data or sensitive payment authentication
data.  It is short for Cardholder Data Environment  






"对不起,操作未成功!role.user_has_not_right_status "



COBRA, or the
Consolidated Omnibus Budget Reconciliation Act, was passed in 1986.
COBRA contains health benefit provisions that protect one’s group health insurance coverage when employment is terminated or when one loses his or her coverage for another reason. Other reasons may include divorce from a covered employee, death of a covered employee, or when the child of a covered employee loses "dependent child" status.


a Federal program which provides medical insurance for people over 65 and for
those who are permanently disabled
. Contact your local Social Security Office for a copy of the

current Medicare handbook.

Medicaid— (Called MediCal in California) is funded jointly by state and federal governments

but administered by each state.
Medicaid provides medical assistance to low-income families and
individual of all ages participating in cash-assistance programs
. Medicaid recipients usually do

not need private health insurance. Contact your local county Social Services Department for

eligibility requirements.


Health Maintenance Organization (HMO): An HMO is a type of health plan that provides a network of doctors, other health care professionals, hospitals, laboratories and other related services. You usually have to select from providers within your HMO’s network or the care you receive won’t be covered by your health insurance. The HMO may provide most of the care in stand-alone facilities or in community-based facilities.   

Preferred Provider Organization (PPO): A PPO is a type of health plan that also provides a network of doctors. However, the network is larger than an HMO, and you can go to any of the doctors, health care professionals and hospitals within that plan. You usually do not need a referral to go to a specialist. However, the costs can be more if a plan participant goes to a doctor or uses a service by a provider not within the plan. Usually, the premiums for a PPO are more expensive than the premiums for an HMO.