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Subject: Re: [ubl-lcsc] Origin of CardTypeCode for Credit Cards
Debit cards also have issuers -- a bank, Visa, MC, EC.
My original thought was something like this:
>>It was taken from the CardTypeCode of xCBL3.0 which says...
>>
>> This code identifies the type of card used for payment.
>>
>> Value: Enumeration, including:
>>
>> * Other - Other Card Type
>> * AMEX - American Express
>> * VISA - VISA
>> * MC - Master Card
>> * Discover - Discover
>> * JCB - JCB
>> * Diners - Diners
CardTypeCode:
AMEX -- American Express
VISA -- Visa Credit
MC -- Master Card Credit
Discover -- Discover
JCB -- JCB
Diners -- Diners
VISADebit -- Visa Debit
MCDebit -- Master Card Debit
Debit -- Debit
Other -- Other Card Type
My question back to you was -- is it important to know that a debit card is
a Visa or Master Card, or is just the fact that the card is a debit card
sufficient? If the latter is true, all we need is another entry in the
CardTypeCode list called Debit and we could be done. If we need to know
that it is a Visa or Master Card, then we would need separate entries in
the table for those debit cards.
We should make this as simple as possible........
____________________
Alan Stitzer
AVP
Marsh USA Inc.
1166 Avenue of the Americas
New York, NY 10036-2774
Phone: (561) 743-1938
Fax: (561) 743-1993
Internet: Alan.Stitzer@marsh.com
____________________
<<< Memo from tmcgrath@portcomm.com.au@Internet on 29 January, 2004, 08:19
Thursday >>>
tmcgrath@portcomm.com.au@Internet on 29 Jan 2004, 08:19 Thursday
To: STK
cc: Alan Stitzer; ubl-lcsc
Subject: Re: [ubl-lcsc] Origin of CardTypeCode for Credit Cards
i think we all agree that these are different things.
with credit cards there is an Issuer (we already have that) - it may be
a bank or store or club or whatever...
there is also a billing type (which we call AccountTypeCode elsewhere in
the library) - this is the debit credit (and maybe others)
there is also a network (which is what EC, MC and Visa are) - this is
what i propose as NetworkID
Stig Korsgaard wrote:
> Hi there, I really do not have the time currently - but be careful not
> mixing things here:
>
> Account type is not a question of debit or credit alone. This is more
> often used for identifying a special type of account like cash
> account, cash pool, etc. More generic it can be used to identify the
> Bank products. Credit and debit accounts may be included.
>
> But then credit and debit in connection with cards have another
> meaning so I guess you will have to not only create such an element
> but also the element for actually identifying the credit card issuer
> i.e. EC, MC, Visa - etc. So I agree with Alan that this is important.
>
>
> Best Regards
>
> Stig Korsgaard
> M.Sc.E Standardisation Manager
> Tel: +45 3370 1083
> Cell: +45 2121 8234
> Mail: stk@finansraadet.dk
>
> Danish Bankers Association
> Amaliegade 7
> DK-1256 Copenhagen K
> Tel: 3370 1000
> Fax: 3393 0260
> mail@finansraadet.dk
> www.finansraadet.dk
>
> -----Original Message-----
> From: Tim McGrath [mailto:tmcgrath@portcomm.com.au]
> Sent: 29. januar 2004 03:20
> To: Alan.Stitzer@marsh.com
> Cc: ubl-lcsc@lists.oasis-open.org
> Subject: Re: [ubl-lcsc] Origin of CardTypeCode for Credit Cards
>
> the meaning of debit and credit is different from the network used
> to exchange information. we have two semantically different
> things here. so we cannot use 'card type'.
>
> i gather what you are advocating is the approach that says we need
> another BBIE in CardAccount for Account TypeCode (we already use
> this in FinancialAccount). Its two possible values are 'debit' and
> 'credit'.
> is that correct?
>
> Alan.Stitzer@marsh.com wrote:
>
>>Is it important to know more than that a card is a debit card -- for
>>instance if it is a Visa Debit card.
>>
>>If not, why wouldn't another "card type" of DebitCard be sufficient?
>>
>>
>>
>>____________________
>>Alan Stitzer
>>AVP
>>Marsh USA Inc.
>>1166 Avenue of the Americas
>>New York, NY 10036-2774
>>Phone: (561) 743-1938
>>Fax: (561) 743-1993
>>Internet: Alan.Stitzer@marsh.com
>>____________________
>>
>>
>><<< Memo from tmcgrath@portcomm.com.au@Internet on 27 January, 2004,
23:49
>>Tuesday >>>
>>
>>
>>tmcgrath@portcomm.com.au@Internet on 27 Jan 2004, 23:49 Tuesday
>>
>>To: ubl-lcsc
>>cc: (bcc: Alan Stitzer)
>>Subject: [ubl-lcsc] Origin of CardTypeCode for Credit Cards
>>
>>
>>Stephen Green has raised an issue about the BBIE CardTypeCode
>>
>>The original intention of CardTypeCode was to denote the authority
>>responsible for the credit card.
>>
>>It was taken from the CardTypeCode of xCBL3.0 which says...
>>
>>This code identifies the type of card used for payment.
>>
>>Value: Enumeration, including:
>>
>> * Other - Other Card Type
>> * AMEX - American Express
>> * VISA - VISA
>> * MC - Master Card
>> * Discover - Discover
>> * JCB - JCB
>> * Diners - Diners
>>
>>However, the definition for CardTypeCode "the type of card used for
>>payment", could be misunderstood as being 'credit' or 'debit' card -
>>this was not its original intent.
>>
>>So what is needed is better definition of CardTypeCode and perhaps a new
>>BBIE for AccountTypeCode?
>>
>>My web research has revealed that the generic term for organisations in
>>the enumerated list above is 'networks'. So perhaps the correct
>>Property Term for this is Network, rather than Type qualified by Card
>>(as it is at present). That is we have NetworkCode.
>>
>>But of course these are not really 'codes', to connect with another
>>debate - these are identifiers. So another possibility is to call it
>>NetworkID. This also complements IssuerID (identifies the organisation
>>issuing the card). That is , we could have Network ID (identifies the
>>organisation managing the interchange of payment information).
>>
>>any suggestions?
>>
>>--
>>regards
>>tim mcgrath
>>phone: +618 93352228
>>postal: po box 1289 fremantle western australia 6160
>>
>>
>>(See attached file: C.htm)
>>
>>
>>To: ubl-lcsc@lists.oasis-open.org@Internet
>>cc: (bcc: CN=Alan Stitzer/OU=NYC-NY/OU=US/OU=Marsh/O=MMC)
>>From: tmcgrath@portcomm.com.au@Internet
>>
>>
>>
>>
>>
>>
------------------------------------------------------------------------
>>
>> Stephen Green has raised an issue about the BBIE CardTypeCode
>>
>> The original intention of CardTypeCode was to denote the
>> authority responsible for the credit card.
>>
>> It was taken from the CardTypeCode of xCBL3.0 which says...
>>
>> This code identifies the type of card used for payment.
>>
>> Value: Enumeration, including:
>>
>> * Other - Other Card Type
>> * AMEX - American Express
>> * VISA - VISA
>> * MC - Master Card
>> * Discover - Discover
>> * JCB - JCB
>> * Diners - Diners
>>
>> However, the definition for CardTypeCode "the type of card used
>> for payment", could be misunderstood as being 'credit' or 'debit'
>> card - this was not its original intent.
>>
>> So what is needed is better definition of CardTypeCode and
>> perhaps a new BBIE for AccountTypeCode?
>>
>> My web research has revealed that the generic term for
>> organisations in the enumerated list above is 'networks'. So
>> perhaps the correct Property Term for this is Network, rather
>> than Type qualified by Card (as it is at present). That is we
>> have NetworkCode.
>>
>> But of course these are not really 'codes', to connect with
>> another debate - these are identifiers. So another possibility
>> is to call it NetworkID. This also complements IssuerID
>> (identifies the organisation issuing the card). That is , we
>> could have Network ID (identifies the organisation managing the
>> interchange of payment information).
>>
>> any suggestions?
>>
>>--
>>regards
>>tim mcgrath
>>phone: +618 93352228
>>postal: po box 1289 fremantle western australia 6160
>>
>>
>
>--
>regards
>tim mcgrath
>phone: +618 93352228
>postal: po box 1289 fremantle western australia 6160
>
>
>
--
regards
tim mcgrath
phone: +618 93352228
postal: po box 1289 fremantle western australia 6160
(See attached file: C.htm)
To: STK@Finansraadet.dk@Internet
cc: Alan Stitzer/NYC-NY/US/Marsh/MMC@MMC,
ubl-lcsc@lists.oasis-open.org@Internet
From: tmcgrath@portcomm.com.au@Internet
i think we all agree that these are different things.Best Regards
Stig Korsgaard
M.Sc.E Standardisation Manager
Tel: +45 3370 1083
Cell: +45 2121 8234
Mail: stk@finansraadet.dkDanish Bankers Association
Amaliegade 7
DK-1256 Copenhagen K
Tel: 3370 1000
Fax: 3393 0260
mail@finansraadet.dk
www.finansraadet.dk-----Original Message-----the meaning of debit and credit is different from the network used to exchange information. we have two semantically different things here. so we cannot use 'card type'.
From: Tim McGrath [mailto:tmcgrath@portcomm.com.au]
Sent: 29. januar 2004 03:20
To: Alan.Stitzer@marsh.com
Cc: ubl-lcsc@lists.oasis-open.org
Subject: Re: [ubl-lcsc] Origin of CardTypeCode for Credit Cards
i gather what you are advocating is the approach that says we need another BBIE in CardAccount for Account TypeCode (we already use this in FinancialAccount). Its two possible values are 'debit' and 'credit'.
is that correct?
Alan.Stitzer@marsh.com wrote:
Is it important to know more than that a card is a debit card -- for instance if it is a Visa Debit card. If not, why wouldn't another "card type" of DebitCard be sufficient? ____________________ Alan Stitzer AVP Marsh USA Inc. 1166 Avenue of the Americas New York, NY 10036-2774 Phone: (561) 743-1938 Fax: (561) 743-1993 Internet: Alan.Stitzer@marsh.com ____________________ <<< Memo from tmcgrath@portcomm.com.au@Internet on 27 January, 2004, 23:49 Tuesday >>> tmcgrath@portcomm.com.au@Internet on 27 Jan 2004, 23:49 Tuesday To: ubl-lcsc cc: (bcc: Alan Stitzer) Subject: [ubl-lcsc] Origin of CardTypeCode for Credit Cards Stephen Green has raised an issue about the BBIE CardTypeCode The original intention of CardTypeCode was to denote the authority responsible for the credit card. It was taken from the CardTypeCode of xCBL3.0 which says... This code identifies the type of card used for payment. Value: Enumeration, including: * Other - Other Card Type * AMEX - American Express * VISA - VISA * MC - Master Card * Discover - Discover * JCB - JCB * Diners - Diners However, the definition for CardTypeCode "the type of card used for payment", could be misunderstood as being 'credit' or 'debit' card - this was not its original intent. So what is needed is better definition of CardTypeCode and perhaps a new BBIE for AccountTypeCode? My web research has revealed that the generic term for organisations in the enumerated list above is 'networks'. So perhaps the correct Property Term for this is Network, rather than Type qualified by Card (as it is at present). That is we have NetworkCode. But of course these are not really 'codes', to connect with another debate - these are identifiers. So another possibility is to call it NetworkID. This also complements IssuerID (identifies the organisation issuing the card). That is , we could have Network ID (identifies the organisation managing the interchange of payment information). any suggestions? -- regards tim mcgrath phone: +618 93352228 postal: po box 1289 fremantle western australia 6160 (See attached file: C.htm) To: ubl-lcsc@lists.oasis-open.org@Internet cc: (bcc: CN=Alan Stitzer/OU=NYC-NY/OU=US/OU=Marsh/O=MMC) From: tmcgrath@portcomm.com.au@Internet
Stephen Green has raised an issue about the BBIE CardTypeCode
The original intention of CardTypeCode was to denote the authority responsible for the credit card.
It was taken from the CardTypeCode of xCBL3.0 which says...
This code identifies the type of card used for payment.
Value: Enumeration, including:
However, the definition for CardTypeCode "the type of card used for payment", could be misunderstood as being 'credit' or 'debit' card - this was not its original intent.
- Other - Other Card Type
- AMEX - American Express
- VISA - VISA
- MC - Master Card
- Discover - Discover
- JCB - JCB
- Diners - Diners
So what is needed is better definition of CardTypeCode and perhaps a new BBIE for AccountTypeCode?
My web research has revealed that the generic term for organisations in the enumerated list above is 'networks'. So perhaps the correct Property Term for this is Network, rather than Type qualified by Card (as it is at present). That is we have NetworkCode.
But of course these are not really 'codes', to connect with another debate - these are identifiers. So another possibility is to call it NetworkID. This also complements IssuerID (identifies the organisation issuing the card). That is , we could have Network ID (identifies the organisation managing the interchange of payment information).
any suggestions?
-- regards tim mcgrath phone: +618 93352228 postal: po box 1289 fremantle western australia 6160
-- regards tim mcgrath phone: +618 93352228 postal: po box 1289 fremantle western australia 6160
-- regards tim mcgrath phone: +618 93352228 postal: po box 1289 fremantle western australia 6160
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