At the risk of sounding glib, the first way that comes to mind is that the learner is using their own intellect and (short-term) memory to code the information

At the risk of sounding glib, the first way that comes to mind is that the learner is using their own intellect and (short-term) memory to code the information into their own words (often or usually entailing at least some self-checking and critique) instead of merely "reviewing" (really, seeing for the first time) an unfamiliar association of prompt and response, which was generated by a stochastic program, and which may not be correct at all.