PAN Information Summary (PIS) 1.1

Field NameTypeSizeField Format/Description

activeIndicator

Text

1

PAN activation indicator:

  • Y = Yes
  • N = No

aipCombined

Text

1

Indicates the ability of a chip card to support DDA/AC Generation (CDA) as part of the Application Interchange Profile:

  • Y = CDA is supported.
  • N = CDA is not supported.
  • Blank = Unknown/not provided.

aipDynamic

Text

1

Indicates the ability of a chip card to support Dynamic Data Authentication (DDA) as part of the Application Interchange Profile:

  • Y = DDA is supported.
  • N = DDA is not supported.
  • Blank = Unknown/not provided.

aipIssuerAuthentication

Text

1

Indicates the ability of a chip card to support Issuer Authentication as part of the Application Interchange Profile:

  • Y = Issuer Authentication is supported
  • N = Issuer Authentication is not supported
  • Blank = Unknown/not provided.

aipRisk

Text

1

Indicates the ability of a chip card to perform Terminal Risk Management as part of the Application Interchange Profile:

  • Y = Terminal Risk Management is to be performed
  • N = Terminal Risk Management is not to be performed
  • Blank = Unknown/not provided.

aipStatic

Text

1

Indicates the ability of a chip card to support Static Data Authentication (SDA) as part of the Application Interchange Profile:

  • Y = SDA is supported.
  • N = SDA is not supported.
  • Blank = Unknown/not provided.

aipVerify

Text

1

Indicates the ability of a chip card to support Cardholder Verification as part of the Application Interchange Profile:

  • Y = Cardholder Verification is supported.
  • N = Cardholder Verification is not supported.
  • Blank = Unknown/not provided.

association

Text

1

Credit card association under which the card was issued:

  • A = AMEX
  • D = Discover
  • J = JCB
  • M = MasterCard
  • N = Diners Club
  • O = Other
  • P = Proprietary
  • V = Visa

cardholderCity

Text

40

PAN primary address: city

cardholderCountryCode

Text

3

PAN primary address: ISO numeric country code.

cardholderPostalCode

Text

10

PAN primary address: postal code.

cardholderStateProvince

Text

5

PAN primary address: state or province.

category

Text

1

Card category:

  • P = Platinum
  • G = Gold
  • S = Standard

chipSpecVersion

Text

3

Chip specification version. Examples:

  • 140 = Version 1.4
  • 210 = Version 2.1
  • 400 = Version 4.0

chipSpecification

Text

1

Chip specification:

  • V = VIS
  • C = CCD
  • M = M/Chip
  • Blank = Unknown/not provided

clientIdFromHeader

Text

16

Unique identifier for the client or subclient. The value of this field is determined jointly by the client and FICO.

creditLimit

Numeric

10

Format: nnnnnnnnnn

Credit limit for the PAN. Expressed in full units of the currency specified in currencyCode.

currencyCode

Text

3

ISO numeric currency code. This is the currency unit used for all currency-based fields.

currencyConversionRate

Numeric

13

Format: nnnnnn.nnnnnn

The multiplicative currency conversion rate that is used to convert the currency specified in currencyCode to US dollars. The number of US dollars in the currency specified in currencyCode.

customerAcctNumber

Text

40

Unique identifier for the account associated with the transaction/record.

customerIdFromHeader

Text

20

For PAN-level PIS record:

Primary Customer Number. Financial institution's unique identifier for the primary customer of the PAN.

For Payment Instrument-level PIS record:

Customer Number. Financial institution's unique identifier for the customer.

dailyCashLimit

Numeric

10

Format: nnnnnnnnnn

Daily limit for cash (ATM) transactions for the PAN. Expressed in full units of the currency specified in currencyCode.

dailyLimitType

Text

1

Type of daily limit:

  • 0 = No daily limits
  • 1 = Daily CASH and POS limits enforced, cashback debited from POS limit
  • 2 = Daily CASH and POS limits enforced, cashback debited from CASH limit
  • 3 = Daily CASH limit enforced, no daily POS limit
  • 4 = Daily CASH and TOTAL limits enforced, cashback debited from total

dailyPosLimit

Numeric

10

Format: nnnnnnnnnn

Daily limit for POS transactions for the PAN. Expressed in full units of the currency specified in currencyCode.

dataSpecificationVersion

Text

5

1.1

expirationDate

Date

8

Format: yyyymmdd

PAN expiration date.

externalTransactionId

Text

32

Client-generated unique transaction ID that is unique across all data feeds for a specific installation of Falcon Fraud Manager.

gmtOffset

Numeric

6

Filled with blanks.

incentive

Text

1

Incentive program associated with the payment instrument, if any. Valid values:

  • A = Auto discount
  • C = Cash back (for example, rebate program)
  • F = Frequent-flier miles
  • G = Gas discount
  • H = Charity contribution
  • I = Internet discount
  • L = Telephone discount
  • M = Merchandise rebate
  • O = Other
  • R = General purpose points/rewards
  • N = None

issuingCountry

Text

3

ISO numeric country code for the country from which the card was issued.

lastIssueDate

Date

8

Format: yyyymmdd

PAN issue date.

mediaType

Text

1

Medium carrying the payment information:

  • C = Chip card
  • D = Contactless-capable chip card
  • M = Magnetic-stripe card
  • N = Contactless-capable magnetic-stripe card
  • P = Mobile Phone
  • V = Virtual card (no physical instrument exists)
  • W = Contactless only card
  • Blank = Unknown/not provided.

memberSinceDate

Date

8

Format: yyyymmdd

Card member since date, as printed on the card.

nameOnInstrument

Text

40

For PAN-level PIS record:

This field is blank if the name is not the same for all payment instruments with the specified PAN.

For Payment Instrument-level PIS record:

Name that appears on the payment instrument.

numberOfPaymentIds

Numeric

3

Number of activated payment instruments for this Primary Account Number (PAN).

offlineLowerLimit

Text

2

Lower consecutive off-line limit for card.

Blank = Unknown/not provided

offlineUpperLimit

Text

2

Upper consecutive off-line limit for card.

Blank = Unknown/not provided

overdraftLimit

Numeric

10

Format: nnnnnnnnnn

Overdraft limit for the PAN. Expressed in full units of the currency specified in currencyCode.

pan

Text

19

Primary Account Number (PAN) of the payment instrument. This is the number encoded or embossed on the payment instrument.

panOpenDate

Date

8

Format: yyyymmdd

Date on which a card was first provided on the account.

paymentInstrumentId

Text

30

Filled with blanks for initial PIS record for each PAN.

For token provisioning, populated with most recent token or virtual

card number.

pinLength

Numeric

2

Length of PIN.

pinSetDate

Date

8

Format: yyyymmdd

Date on which the PIN was last set.

pinType

Text

1

Type of PIN:

  • I = Issuer selected
  • C = Customer selected
  • Blank = Unknown

plasticIssueType

Text

1

Card issue type for most recently issued payment instrument:

  • F = Force emboss (reissue due to lost or stolen card, fraud, or other cardholder request such as a request for an additional card)
  • I = Initial issue (first plastic issued on the account)
  • R = Normal reissue
  • S = Special reissue (due to an issuer's special project, such as a rebranding)
  • T = Token or virtual card issue
  • Blank = Unknown/other

recordCreationDate

Date

8

Format: yyyymmdd

Date that this record was created. Time zone must be GMT.

recordCreationMilliseconds

Numeric

3

Format: sss

Milliseconds portion of the time that this record was created.

recordCreationTime

Date

6

Format: hhmmss

Time that this record was created. Time zone must be GMT.

recordType

Text

8

PIS11

status

Text

2

Current card status:

  • 00 = Open, non-statused, active
  • 11 = Open, inactive
  • 20 = Closed
  • 21 = Closed, cardholder request
  • 22 = Closed, bankruptcy or filing for bankruptcy
  • 23 = Closed, bank action (revoked)
  • 24 = Closed, charged-off
  • 25 = Closed, fraud
  • 26 = Closed, stolen
  • 27 = Closed, lost
  • 28 = Closed, deceased
  • 29 = Closed, other
  • 30 = Closed, due to inactivity
  • 31 = Closed, non-fraud, transacted at point of compromise (POC)
  • 32 = Closed, bank-initiated upgrade of card technology
  • 33 = Closed, customer verified attempted fraud
  • 40 = Statused, other (blocked)

statusDate

Date

8

Format: yyyymmdd

Effective date of current status.

subType

Text

2

Card subtype.

Credit subtypes:

  • B = Commercial, corporate, business, purchasing, fleet, and so on.
  • C = Co-branded
  • L = Oil card
  • R = Retail card
  • N = No subtype - standard consumer card

Debit subtypes:

  • DA = ATM only
  • DD = Debit ATM/Check (PIN & Signature)
  • DP = PIN only (ATM or POS with PIN)
  • DH = HELOC

Prepaid subtypes:

  • PA = Travel
  • PB = Commercial reloadable
  • PG = General purpose non-reloadable (gift)
  • PI = Income (payroll)
  • PR = General purpose reloadable
  • PT = Teen

type

Text

1

Type of the card:

  • C = Credit card
  • D = Debit card
  • M = Multi-card (combined credit and debit)
  • P = Pre-paid (stored value)

userCode1

Text

3

User-defined information.

userCode2

Text

3

User-defined information.

userData01

Text

6

User-defined information. Editable in Falcon Expert rules.

userData02

Text

6

User-defined information. Editable in Falcon Expert rules.

userData03

Text

10

User-defined information. Editable in Falcon Expert rules.

userData04

Text

10

User-defined information. Editable in Falcon Expert rules.

userData05

Text

15

User-defined information. Editable in Falcon Expert rules.

userData06

Text

20

User-defined information. Editable in Falcon Expert rules.

userData07

Text

40

This field can be configured for PIS emergency updates. Contact FICO Modeling for more details.

userIndicator01

Text

1

User-defined information. Editable in Falcon Expert rules.

userIndicator02

Text

1

User-defined information. Editable in Falcon Expert rules.

workflow

Text

16

Contains the name of the workflow to be executed by Falcon Fraud Manager.
PAN Information Summary (PIS) 1.1 Field Descriptions

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