Introduction to PAN Finder in Thredd Portal

PAN Finder is a feature of the Thredd Portal application that lets you find the 16-digit PAN (Primary Account Number)Closed The Primary Account Number (PAN) is the card identifier found on credit and debit cards, as well as in stored-value, gift and other similar cards. The 16-digit PAN is typically embossed on a physical card.from its associated 9-digit Public Token.Closed A Public Token (or Thredd Token) refers to a digital representation of a payment card, created as part of the tokenisation process. Tokenisation is a security measure that replaces sensitive card information, such as the Primary Account Number (PAN), with a unique identifier or "token."The feature also allows you to find a Thredd token from a 16-digit PAN. Retrieving the cardholder's PAN enables you to:

  • Contact the Card Scheme to query a transaction.
  • Initiate a chargeback process.
  • Check if the associated transaction is fraudulent with parties such as the Card Scheme or the police.

PAN Finder is for organisations that are Payment Card Industry Security Standard (PCI DSS) compliant. Your organisation is responsible for making sure its implementation complies with this standard.

Accessing PAN Finder

A user with an Admin role (for example an administrator in your organisation) can set up a PAN Finder user, who has met the eligibility requirements, by assigning them the Sensitive Information Manager role. Alternatively, if the organisation has not migrated to Thredd's Identity and Access Management (IAM) Platform, Thredd can assign the role on the Admin User's behalf.

Sensitive Information Manager Role

The Sensitive Information Manager is a role specifically for finding the customer's PAN, and does not allow you to perform the main card management functions in Thredd Portal.

Because the 16-digit PAN is sensitive personal data, the user with the role of Sensitive Information Manager will bear the risk of managing customer cardholder data.

As a PAN Finder user, when you have been set up with the role of Sensitive Information Manager, you will see the PAN Finder option on the Home page when you sign in to Thredd Portal.

Legal Disclaimer

When accessing the user interface for PAN Finder, you must agree to the following disclaimer:

This system is restricted to authorised users only. By proceeding, you acknowledge that you are authorised to access this system and agree to comply with all applicable policies, procedures, and legal requirements. Thredd shall have no liability whatsoever for unauthorised use of the system. Unauthorised access, use, or modification of this system is strictly prohibited and may result in disciplinary action, civil liability, and/or criminal penalties. If you are not an authorised user, you must exit this system immediately.