10 Key Attributes of a Card

This section provides details of some the key card attributes which are included in the card record and in the Card generation File sent to your card manufacturer.

10.1 Key Attributes of a Physical Card Record

Below are examples of some of the attributes of a card record that are typically associated with a physical card.

Card Attribute	Description	How is this created?
PAN	The permanent account number (PAN) is the long number (typically 16-19 digits) that is either printed or embossed on the card.	Automatically assigned by the Thredd system out of your available PAN stock.
Expiry Date	The card's expiry date. This date determines when you will need to renew or replace the card and is typically printed on a physical card.	Determined by the card record creation date, based on the Card Validity Period defined for your card programme. See Calculating the Expiry Date.
Cardholder Name	The cardholder's name, as printed on the card. (May be omitted on certain types of cards, such as Gift cards and corporate cards.)	Based on information supplied in your create card request.
CVC2	The Card Verification Value (CVV) on a credit card or debit card is a 3 digit number on Visa and Mastercard branded credit and debit cards. Cardholders are typically required to enter the CVV during any online or cardholder not present transaction.	Automatically assigned by the Thredd system.
Track data	This is secure data to be included on the card's magnetic strip. This is provided in three track fields. For details, see the Thredd Card Generation Interface Specification.	Generated by the Thredd system.
Chip track data	Chip track data for EMV transactions. This is provided in two Chip track-equivalent fields. For details, see the Thredd Card Generation Interface Specification.	Generated by the Thredd system.
PINBLOCK	Holds the encrypted PIN to be placed on the chip card.	Generated by the Thredd system.
Service code	Three decimal digits as defined in ISO 7813. • First digit: Use and Technology • Second digit: Authorisation requirements • Third digit: Service and PIN requirements For details, see the Thredd Card Generation Interface Specification.	Generated by the Thredd system, based on your card product configuration.
Type	Type of product (e.g., Mastercard, Maestro, Visa card).	Generated by the Thredd system, based on your card product configuration.
Language	Defines the language of the card product, if it is not already defined by the card type elements.	Generated by the Thredd system, based on your card product configuration.

10.2 Other Important Card Record Attributes

Below are examples of some additional attributes that are associated with a card record.

Card Attribute	Description
Public Token	Unique Thredd token that is generated when a card is created and is always linked to the card. You can use the public token to query and update your cards, without needing to store or process the full PAN. (The public token is internal to Thredd only. This is separate from a digital token (DPAN) created using the tokenisation (digital wallets) service, for online merchant or mobile transactions.)
Status	The current status of the card (e.g., active or inactive). A card issued in an active status can be immediately used (provided it has an available balance). A card issued in an inactive state must first be activated before it can be used.
Available balance	The available balance on the card. This balance is adjusted after any transaction on the card that affects the available balance, such as a payment authorisation.
Billing and Fulfilment Address	The address that is linked to the card. Note that this address may be used for sending replacement cards, and for payment authorisations that use the Address Verification Service (AVS). You can configure an alternative delivery address for cards such as corporate cards or prepaid cards. Note: you can provide separate billing and delivery addresses. Thermal Line 1 and Thermal Line 2 fields can be used to supply additional address details.
Telephone	The telephone number linked to the card. Note that for certain services, such as payment tokenisation, the linked mobile phone number may be used for sending SMS notifications to the cardholder.
Delivery method	For a physical card record, you can specify the delivery method or a delivery code, which your card manufacturer can use for meeting your delivery requirements. (Delivery methods include: Standard mail, Registered mail and Direct delivery (Courier).)
PIN	The PIN associated with the card. The cardholder enters their PIN when using the card at an ATM or Point of Sale (POS) terminal.
PIN Mailer	For printed cards, you can optionally define whether a letter containing the PIN is sent out with the new card, Please discuss your requirements with you card manufacturer.
Order reference	You can optionally define a unique customer order reference number, which can be printed on the card or used to track the card production.

For a list of additional configurable card attributes, please refer to the Web Services Guide or the Cards API Website.