acquiring
the
substance,
meaning
or
purport
of
such
and
any
acts
capable
of
blocking
or
preventing
any
of
these
functions;
“Issuer”
includes
a
financial
institution
which
or
any
other
entity
who
is
authorised
by
the
Central
Bank
to
issue
a
payment
card;
“law
enforcement
agencies”
-‐
includes
any
agency
for
the
time
being
responsible
for
implementation
and
enforcement
of
the
provisions
of
this
Act;
“Minister”
means
the
Attorney
–
General
of
the
Federation;
“Modification”
means
deletion,
deterioration,
alteration,
restriction
or
suppression
of
data
within
computer
systems
or
networks,
including
data
transfer
from
a
computer
system
by
any
means.
“network”
means
a
collection
of
hardware
components
and
computers
interconnected
by
communications
channels
that
allow
sharing
of
resources
and
information;
“payment
Card”
means
any
instrument,
token,
device,
or
card,
or
known
by
any
other
similar
name,
and
encoded
with
a
stated
money
value
and
issued
with
or
without
a
fee
by
an
issuer
for
use
of
the
cardholder
in
obtaining
goods,
services,
or
anything
else
of
value,
except
money;
“person”
includes
an
individual,
body
corporate,
organisation
or
group
of
persons;
“President”
means
the
President,
Commander-‐in-‐Chief
of
the
Armed
Forces
of
the
Federal
Republic
of
Nigeria;
“Phishing”
means
the
criminal
and
fraudulent
process
of
attempting
to
acquire
sensitive
information
such
as
usernames,
passwords
and
credit
card
details,
by
masquerading
as
a
trustworthy
entity
in
an
electronic
communication
through
e-‐
mails
or
instant
messaging
either
in
form
of
an
email
from
what
appears
from
your
bank
asking
a
user
to
change
his
or
her
password
or
reveal
his
or
her
identity
so
that
such
information
can
later
be
used
to
defraud
the
user;
“Purchasing
Forged
Electronic”
Means
of
Credit/Debit
Transfer
Instruments
Such
as
Credit
Card,
Debit
Card,
Smart
Card,
ATM
or
Other
Related
Electronic
Payment
System
Devices;
“Receives”
or
“Receiving”
means
acquiring
possession,
title
or
control
or
accepting
a
card
as
security
for
credit;
“Revoked
Card”
means
a
card
which
is
no
longer
valid
because
permission
to
use
it
has
been
suspended
or
terminated
by
the
issuer,
whether
on
its
own
or
on
the
request
of
the
cardholder;
“Service
provider”
means
-‐