Hello. WELCOME to the forums! Glad to have you here
I don't know the difference but you can go to control panel the add or remove user accounts and you will see who is and isn't administrators you can also make a different user one.
Im pretty sure owner is the default side when you buy a computer
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The owner account by default has administrative rights. If its a new PC the owner is the default account to log on to. You can always go to start>right click computer>click manage>configuration>local users and groups>enable the administrator account and log on to administrator if you'd rather than owner.