This specification explains how credit card–related information should be delivered across multiple endpoints via the Common Standard. It defines the required data elements, their relationships, and the logic for consistent delivery when responding to requests from public entities. The goal is to ensure uniform interpretation and implementation across all affected endpoints in the Finance Industry.
Attributes
| Endpoint | Attribute | Description |
|---|---|---|
| Accounts | accounts (general) | Refers to the credit agreement, not the account itself |
| accountIdentifier | Deliver 11-num account number, or other reference to the specific agreement/KID | |
| type | Allways "creditCardAccount" | |
| primaryOwner.identifier.value | Personal- or organizational number of credit owner | |
| primaryOwner.identifier.startDate | Date when the credit owner last was granted the role | |
| primaryOwner.identifier.endDate | Date when the credit owner last was removed from the role. Value = Null if role is still active |
|
| Account details | account.status | Refers to the credit agreement, not the account itself |
| accountIdentifier | Deliver 11-num account number, or other reference to the specific agreement/KID | |
| type | Allways "creditCardAccount" | |
| primaryOwner.identifier.value | Personal- or organizational number of credit owner. | |
| primaryOwner.name | Name of the credit owner | |
| primaryOwner.startDate | Date when the credit owner last was granted the role | |
| primaryOwner.endDate | Date when the credit owner last was removed from the role. Value = Null if role is still active |
|
| startDate | Date when the credit was opened | |
| endDate | Date when the credit was ended. Null if the credit is still active |
|
| Transaction | paymentCard (general) | • IF data subject = credit owner, the whole transaction list shall be delivered (within the request period) for accounts where onlyPrimaryOwner = true. • IF data subject is not equal to credit owner, only deliver transactions related to the data subject where onlyPrimaryOwner = false.
|
| Cards | paymentCards.cardIdentifier | • IF data subject = credit owner, deliver all cards related to the credit for accounts where onlyPrimaryOwner = true. • IF data subject is not equal to credit owner, only deliver cards related to the data subject where onlyPrimaryOwner = false.
|
| Roles | accountRole | • IF data subject = credit owner, deliver all roles related to the credit for accounts where onlyPrimaryOwner = true. • IF data subject is not equal to credit owner, only deliver the role related to the data subject where onlyPrimaryOwner = false.
|
| accountRole.permission | rightToUseAlone for all roles |
|
| accountRole.startDate | For credit owner: Date when credit was opened. For other cardholders: Date when role was given (not same as date when current card was issued) |
|
| accountRole.endDate | For credit owner: Date when credit was closed. For other cardholders: Date when role was removed (not same as date when current card was blocked). - Null if role is still active. |
Balance and credit delivery
| Attribute | Explanation |
|---|---|
| creditLineIncluded | It is up to the Data provider to decide if the value of creditLineIncluded is to true or false. However, the chosen value will directly impact the value returned in amount and the need to return data via creditLineAmount. |
| amount | The booked or available balance (depending on type) with credit line included or not (depending on creditLineIncluded). |
| creditDebtIndicator | The balance can be positive or negative. Credit is for positive balance and debit is for negative balance. |
| registered | Date and time of amount returned in the balance. The return values in registered may differ between booked and available balance. |
| type | Indicate if the balance is booked (bokført) or available (disponibel). |
| creditLineAmount | Amount of the credit line. The value of creditLineAmount must be included in order to calculate the actual amount of the balance if creditLineIncluded = true. |
| creditLineCurrency | CurrencyCode for the balance creditLineAmount. |
| currency | CurrencyCode for the balance amount. |
Change log
| Date | Change |
|---|---|
| 10.02.26 | Simpler description of how transactions, cards and roles are treated when data subject is not the credit owner. |
| 04.02.26 | Initial release of the credit card data delivery specification. |