# Key terms

- **shadowCardNumber** — Bank-internal unique card reference issued by Everest at card creation. The primary key for every card operation; the clear PAN is never exchanged after issuance.
- **cardRefNumber** — Card reference grouping a main card with its supplementary and virtual cards; used for roll-up queries and family-wide limit operations.
- **customerNumber** — Customer identifier from your core banking system, registered with Everest during onboarding.
- **productNumber** — Card product code from product management. Determines scheme, currency, fees, limits and design.
- **utid** — Unique Transaction ID returned by every financial operation; the handle for reversal, installment conversion, statements and disputes.
- **referenceNumber** — Your idempotency key. Retrying with the same reference returns the original result instead of double-posting (TRN003 on misuse).
- **clientReferenceNumber** — Numeric client reference on payment and cancellation legs for reconciliation with your ledger.
- **channelId** — Originating channel code driving channel-level limits, audit and statement narratives.
- **statementId** — Identifier of one statement period for a card.
- **caseId** — Dispute case identifier used for documents, tracking and withdrawal.
- **barcode** — Barcode on pre-personalized no-name card stock, scanned for instant issuance.
- **branchCode** — Branch owning the card record; drives reporting and branch delivery routing.
- **amount** — Monetary amount as a positive decimal with up to 2 decimal places, in the card billing currency unless currencyCode is supplied.
- **PAN** — The card number embossed or printed on the card. Regulated data: vaulted inside Everest, masked in display, accepted in clear on exactly one eligibility-check service.
- **BIN** — The leading digits of a PAN identifying the issuing institution and scheme; BIN ranges are licensed from schemes and configured in product management.
- **CVV / CVV2** — Security code proving physical possession: CVV lives in the magstripe, CVV2 is printed on the card for e-commerce. Never stored after authorization.
- **expiryDate** — Card validity end month. Renewal issues a new card carrying the relationship forward.
- **EMV** — The global chip-card standard. Chip transactions carry cryptograms that make counterfeiting far harder than magstripe.
- **main card** — The primary card in a family; supplementary and virtual cards attach to it and draw from its limit.
- **supplementary card** — An additional card (family member, employee) under a main card, taking a ratio-linked or fixed limit slice.
- **virtual card** — A digital-only card attached to a physical card for online spend, with its own limit model and permissions.
- **no-name card** — Pre-personalized stock without an embossed name, activated by barcode for instant handover at branch or kiosk.
- **GPR** — A prepaid card that can be reloaded and used anywhere the scheme is accepted, as opposed to single-load gift cards.
- **tokenization** — Replacing the PAN with a device- or merchant-specific token (Apple Pay, Google Pay, Masterpass) so the real number never leaves the vault.
- **MCC** — Scheme-assigned code classifying the merchant type (5411 grocery, 5812 restaurants). Drives installment eligibility, rewards and restrictions.
- **authorization** — The instant decision on a transaction: status, restrictions, limits and fraud checks, then a hold on the limit. No money moves yet.
- **provision** — The reserved amount an approved authorization places on the limit until clearing converts it into a booked transaction or it expires.
- **clearing** — The exchange of final transaction records between acquirers and issuers through the scheme; matches authorizations and applies fees and FX.
- **settlement** — The actual transfer of funds between issuer and acquirer banks, netted across millions of transactions on scheme settlement accounts.
- **reversal** — Unwinding a transaction inside the same-day window by utid; after the window closes, the dispute path applies.
- **cash advance** — Cash drawn against a credit card limit, disbursed to a linked account, carrying a fee and immediate profit/interest accrual.
- **authorizationCode** — Approval code from the authorization leg; printed on receipts and quoted in reversals.
- **rrn** — Scheme-assigned reference acquirers and issuers use to locate the transaction in clearing and disputes.
- **STAN** — Per-message trace number in ISO 8583 authorization traffic, unique per terminal per day.
- **ISO 8583** — The message format card networks speak for real-time authorization traffic between acquirers, schemes and issuers.
- **interchange** — The scheme-regulated fee flowing from acquirer to issuer on each transaction — a core revenue line of issuing.
- **statement** — The period cut on the card’s statement day: all activity since last cut, a total debt, a minimum due and a due date.
- **minimum due** — The smallest payment that keeps the account current; the unpaid remainder revolves with profit/interest.
- **revolving** — Carrying part of the statement debt into the next period against profit/interest accrual.
- **profit rate** — The accrual rate on carried balances and installment plans; Everest supports Islamic and conventional accrual models per product.
- **EPP** — Converting an eligible purchase into fixed monthly installments, optionally deferring the first installment.
- **IPP** — Installment cash: a lump sum disbursed to the customer’s account, repaid in fixed monthly installments with profit.
- **BNPL** — Short-tenor installment propositions at checkout; on Everest, delivered through the same installment services enabled per product.
- **early release** — Settling an installment plan ahead of schedule with unearned profit given back; always simulate first.
- **rediscount** — Recalculation of profit accruals when plans change mid-life (early settlement, restructuring).
- **chargeback** — The formal dispute process returning funds to a cardholder when a charge is successfully challenged; managed against Mastercom / VROL.
- **KYC** — Identity verification obligations before full-service banking; on prepaid, registration after KYC lifts anonymous limit caps.
- **AML** — Regulatory monitoring obligations; anonymous prepaid caps and event-based limits are AML controls in the platform.
- **PCI DSS** — The security standard governing card data handling. Everest is engineered to it — which is why you hold shadowCardNumber, never PAN.
- **HSM** — Tamper-resistant hardware holding cryptographic keys for PIN, EMV and tokenization operations.
- **3-D Secure** — The scheme protocol for authenticating e-commerce transactions (Verified by Visa, Mastercard Identity Check).
- **maker–checker** — Two-person control on sensitive operations: one user prepares, a second approves. Parametric across Everest back office and CMS content.
- **pinBlock** — Encrypted PIN block; the platform never accepts clear PINs.
- **OAuth2** — The token protocol securing every API call; scopes gate capabilities per token.
- **bearer token** — The access token from the STS carried in the Authorization header of every request.
- **mTLS** — Both sides present certificates; required for production API access in addition to OAuth2.
- **webhook** — HTTPS callback delivering platform events to your endpoint; verify the signature before processing.
- **idempotency** — The guarantee that retrying a write produces the same result once — a timeout never becomes a double charge.
- **Kafka topic** — The named stream a consumer reads platform events from. The transport is documented from the framework, but this deployment publishes no topic list, so the term is defined here and cannot yet be acted on. See Event streams for what the platform emits.
- **transactionType** — Operation code identifying the payment type being posted.
- **maskedCardNumber** — Display-safe PAN form used anywhere a human sees a card number.
- **cardStatusCode** — Card status: A active, B blocked (reversible), C closed (permanent); institutions can define further parametric statuses.
- **restrictionCode** — Transaction-type switch (e-commerce, international, ATM, contactless…). Full table in Platform concepts.
- **limitType** — Virtual card limit model: H decreasing, S fixed with daily or statement reset.
- **accountNumber** — Demand deposit account linked to the card, used for settlement, cash advance credit and debt payment funding.
- **currencyCode** — ISO 4217 alphabetic currency code. Omit to default to the card billing currency.
- **installmentCount** — Number of monthly installments. Always fetch the allowed range first — out-of-range counts return INS002.
- **statementPeriod** — Day of month the statement cuts, set at issuance and changeable via preference services.
- **pan** — Clear card number, accepted only on the debt-payment eligibility check; everywhere else use shadowCardNumber. See also PAN under Cards & products.
