Appendix J: Payment Token Details

This page provides information on each of the fields that provide details on payment tokens. The following group of settings exist:

  • Payment Token Details

  • Device Info Details

  • Wallet Details

  • Activation Information

  • Thredd Configuration

Payment Token Details

The following table describes each of the fields in the Payment Token Details section.

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Field

Description

Linked Token

Main 16-digit card token in which a payment token is linked to.

Creator Token Reference

Unique reference of a token that is used in Token Access Request (TAR) and Token Complete Notification (TCN) messages. This reference is used by the entity that created the token.

Creator's Token Reference

Unique reference of a linked card token that is used in Token Access Request (TAR) and Token Complete Notification (TCN) messages. This reference is used by the entity that created the token.

Public Token

Public token that is used in Thredd's APIs, for example, the Cards API.

Creator

Details on the tokenisation system of the Card Scheme.

Payment Token ID

Unique identifier of the Thredd token for the tokenisation process.

Expiration Date

Expiry date of the payment token.

Virtual PAN

PAN of the virtual card (last 4 digits).

Token Type

Defines the technology of the token, for example, virtual card. This is one of the following types:

  • Browser accessible Wallet

  • Contactless device PAN

  • Card on File PAN

  • Cloud-based payments PAN

  • Real PAN

  • Secure Element PAN

  • Unknown (other PAN mapping not otherwise defined)

  • Virtual PAN

Number of times replaced

Number of times in which a payment token has been replaced. This value is used in Token Event Notifications (TEN) messages, which are sent to EHI.

Old Expiry Date

Expiry date of the previously-used token.

Tokenisation Status

Status of the token to indicate whether or not it has been tokenised.

Date Linked

Date in which a token was linked to the card.

Thredd Status

Internal status of the payment token, which determines if Thredd authorises transactions.

Token Service Status

Transaction status of the token according to the Card Scheme.

Service Status Set By

The user or system that set the transaction status.

Service Status Changed

Transaction status that has been changed.

Device Info Details

The following table describes each of the fields in the Device Info Details section.

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Field

Description

Device Name

Name of the device.

ID

ID of the device.

IP Address

IP address of the device.

Device Language

Language of the device.

Device Type

Type of device, for example, watch.

Location

Location of the device.

End of Phone Number

Last 4 digits of the phone number.

First Name

First name of the device holder.

Last Name

Last name of the device holder.

Wallet Account Hash

Hash value of the wallet account, shown by relevant indicators such as the asterisk symbol.

Wallet Details

The following table describes each of the fields in the Wallet Details section.

Field

Description

Creator Digital Reference.

Reference number allocated by the Card Scheme to the token.

Wallet Provider

Provider of the wallet, for example, Apple.

Wallet Account Score

Risk score given to the cardholder's wallet account when requesting a payment token.

Wallet Device Score

Risk score given to the cardholder's device when requesting a payment token.

Orange Flow Requested

Details of an Orange Flow Request if available. This type of request is exclusive to Apple Pay transactions for high risk payments.

Thredd Decision

Decision that Thredd makes to approve or decline a transaction.

Final Decision

Payment token authorisation status. For example, A means approve request with additional authorisation.

Final Decision By

Entity that has made the authorisation decision. For example, Thredd or the Card Scheme.

Terms and Condition

Issuer's terms and conditions for the cardholder to agree on.

PAN Source

Source of the clear PAN used within the Tokenisation Authorisation Request transaction for creating a new payment token.

Activation Information

The following table describes each of the fields in the Provisioning Details section.

Field

Description

One Time Passcode (OTP)

One Time Passcode (OTP) to authenticate the cardholder and activate the payment token.

Activation Expires

Date and time when the code that activates the payment token expires.

OTP Method

Method that a cardholder selects for receiving the OTP.

Activation Status

Status of token activation.

Thredd Configuration Details

The following table describes each of the fields in the Thredd Configuration Details section.

Field

Description

Payment Token Usage Group

Payment token usage group for determining if the payment token can be created. This is a fixed record and cannot be changed.

Card Usage Group

Card Usage Group for the payment token for determining where it can be used.