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  -­‐