To send an Interac e-Transfer, all you need is an email address, online access to your bank account at a participating financial institution and the email address or mobile phone number of the person that you are sending money to.
Tokenization is a method for protecting card data by substituting a card's Primary Account Number (PAN) with a unique, randomly generated sequence of numbers, alphanumeric characters, or a combination of a truncated PAN and a random alphanumeric sequence.
Database Normalization. Normalization is the process of removing redundant data from your tables in order to improve storage efficiency, data integrity and scalability. This improvement is balanced against an increase in complexity and potential performance losses from the joining of the normalized tables at query-time.