Whereas Primary Account Number (PAN) is the real card number, usually depicted on the card, the Device PAN (DPAN) is assigned to the card as a pseudonym. It looks like a PAN but it is not. It is associated with a particular device (e.g. a smartphone) which emulates the card virtually stored in the Google Pay or Apple Pay wallet.

当客户将其银行卡添加到 Apple 或 Google Pay 后，Apple 和 Google 将自动生成一个新的卡号，称为 DPAN（设备 PAN），随附新的有效期。 DPAN 与真实卡号完全不同： 发卡行通常为每个 PAN BIN 使用配对的 "DPAN BIN"（具有相同的资金类型，长度通常为 8 位），但这不能保证一致。 这一切都是在幕后进行的，并未明确地向持卡人公开。 每当客户使用 Apple 或 Google Pay 付款时，系统都会将此 DPAN 发送给商家/处理商，确保他们绝对不会看到真实的卡号或真实的有 …

When a customer adds their card to Apple or Google Pay, Apple and Google will automatically generate a new card number called a DPAN (Device PAN) with a new expiration date. The DPAN is completely different from the real card number:

利用者が Apple Pay または Google Pay にカードを追加すると、Apple や Google により、新しい有効期限のある DPAN (Device PAN) という新しいカード番号が自動的に生成されます。 DPAN は以下の点で実際のカード番号とは全く異なります。

DPAN over FPAN status is an optional setting that specifies how GPS should treat the Digital PAN (DPAN) and Financial PAN (FPAN) statuses during DPAN transactions:

Apple Pay, Android Pay and Google Pay (Mobile) payment tokens contain an EMV tokenised card number also known as a device-specific number (DPAN) rather than the Cardholder’s actual card number (FPAN).

Device Primary Account Number (DPAN) — A device-specific token from the wallet provider to identify the underlying card that is associated with a cardholder’s FPAN. We also support the ability to make payments using Apple Pay or Google Pay tokens that you have decrypted.

The FPAN can be tokenised (converted into a unique digital payment token - the device PAN or DPAN) that can be used in payments and prevents the need to expose or store actual card details. The DPAN can be used to make purchases from merchant websites or from linked devices such as smart phones and wearables like smart watches and rings.

Tokenisation, or the use of digital wallets, is a security technology which replaces the sensitive 16-digit Primary Account Number (PAN) that is typically embossed on a physical card with a unique payment token (a digital PAN or DPAN) that can be used in payments and prevents the need to expose or store actual card details.

Tokenisation is a security technology which replaces the sensitive 16-digit primary account number (PAN) that is typically embossed on a physical card with a unique payment token (a digital PAN or DPAN) that can be used in payments and prevents the need to expose or store actual card details.