Enhanced Data

2 min

Overview

Beyond surface level attributes, BIN data will allow us to understand the following questions for improved ICR:

Can this card be used by this vendor for this purchase
- Domestic only, Gambling blocked, Express benefit transfer
Error code additional mapping
- By knowing the underlying network and bank we can go to the network to find more explicit error codes (PSPs provide a mapped view of errors)
Determine if card type is worth using given error code
- Reloadable/Gift cards/Preloaded - cannot be reloaded so insufficient funds would mark this card as empty
- Express benefit transfer - Government benefits are not eligible for many types of purchase
Cost reduction
- Determine next best card to attempt (card rotator) based on BIN acceptance rates (reduce retry attempts)
- Understand expected cost of using this BIN (network fees vary by BIN)
Dispute and Fraud monitoring
- Fraud rules will differ by issuer
- Disputes rate differ by BIN
Success and error rates correlation between API messages and BIN
- Absence or presence of API values by PSP will correlate with higher or lower success rates
Banking rules
- Specific countries will have varying rates of success by BIN
- Specific currencies will have different success rates by BIN

Enhanced Data Example Payload

{
  "account_updater": true,
  "additional_card_brands": [
    {
      "card_brand": "Visa",
      "card_brand_product": "Platinum",
      "card_brand_bank_name": "Example Bank"
    }
  ],
  "alm": "Managed",
  "authentication": {
    "authentication_required": true,
    "authentication_name": "3ds"
  },
  "bank": {
    "name": "JPMORGAN CHASE BANK, N.A.",
    "phone": "800-432-3117",
    "url": "www.jpmorganchase.com",
    "clean_name": "JPMORGAN CHASE BANK, N.A."
  },
  "bin_length": "6",
  "card_brand": "VISA",
  "card_segment_type": "Consumer",
  "combo_card": "Gold",
  "cost": [
    {
      "cap_fixed_amount": 0,
      "cap_advalorem_amount": 0.0115,
      "cap_type_qualifier_text": "EU XB CNP MIF"
    }
  ],
  "domestic_only": true,
  "gambling_blocked": true,
  "issuer_currency": "USD",
  "level2": false,
  "level3": true,
  "pan_or_token": "Token",
  "product": {
    "code": "F",
    "name": "Visa Classic"
  },
  "reloadable": false,
  "type": "Debit"
}