Your advice requested for UBL Library.

[Tim McGrath <tmcgrath@portcomm.com.au>]

Welcome back! your response to ubl-comment exposed you lurking on the 
lists, so we are going to ask for some help.

We have been debating in the UBL Library team about the properties for 
the thing we call CardAccount.  I have been asked to ask you if you can 
give your expert opinion on a few matters.

Firstly the structure of CardAccount currently looks like this...
PrimaryAccountNumberID - the identifying number of the card, known as 
the PAN - Primary Account Number.
CardTypeCode - the type of card used for payment
CustomerID - the customer reference number. This is used to enable 
transmission of customer specific information with the card.
ValidFromDate - the date from which the card is valid .
ExpiryDate - the date up to which the card is valid .
IssuerID - identifies the organisation issuing the card, known as the 
BIN - Bank Id.No.
IssueNumberID - identifies the issue number, relevant only to SWITCH cards
CV2 - The CV2 identity on the reverse of the card for added security.
ChipCode - distinction between CHIP and MAG STRIPE cards
ChipApplicationID - identifies the application (AID) on a Chip card that 
provides the information quoted
Holder - the name of the holder of the card.

The first question relates to IssuerID.  We see this as being banks, 
stores, oil companies, airlines, etc - who brand the cards.  Is that 
correct?
Secondly, if these are Issuers, what do we call Visa, Mastercard, Diners 
Club, etc?  research suggests these are called Networks, so we are 
considering adding a new property called NetworkID.  So a card may have 
a NetworkID and an IssuerID. Does this seems sensible?
Finally, we have been using the property CardTypeCode to denote whether 
it was a Credit or Debit card.  We are now unsure if we need this 
informattion - do you think trading parties would care?  If they do then 
isn't it possible for one card to have both debit and credit 
facilitites?  In fact, aren't there other types of card (e.g. 
entertainment, procurement, etc...)?  

If you have some time, we would appreciate your ideas.

-- 
regards
tim mcgrath
phone: +618 93352228  
postal: po box 1289   fremantle    western australia 6160