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Mother's maiden name refers to the mother's unmarried name -- usually the surname before she married. Mary Jones married John Smith, so Jones was her maiden name and she is now Mrs John Smith (alternatively Mary Smith). If you had to explain it to a child (presumably a rather young one), I would suggest: Mother's maiden name was her real name before she married daddy.
Source(s): http://dictionary.reference.com/browse/m... mother's maiden name means - her name given by her parents at the time of her naming cermoney. after marriage her initial will change from her parents to her husband side.