Optimization Protection

Account updated report

This report provides a comprehensive summary of account updater activities, detailing the volume, and types of updates, as well as the methods used for all accounts processed during the reporting period. This ensures that you have access to current payment details.

Account updated report details
Report type	Supported entity types	Supported file formats
Account updater	PE - Processing Entity TD - Transaction Division BU - Business Unit FTI - Fund Transfer Instruction CO - Company RG - Reporting Group	Comma Seperated Values (CSV) Gzip or GNU Zip (GZ)

Note

You must subscribe to Value Added Services (VAS) to access the report.

Use cases

Provide details of the changes to consumer accounts, such as new card numbers or expiration dates along with the status.
Provide detailed view on instances where a consumer’s accounts could not be updated with reason codes for failure - such as invalid account numbers or closed accounts.
Provide information on whether the requests come from the real-time updater service or tokenization service.

Granularity

Summary: Combination of Response Message, Method (Source System), Method of Payment
Detailed: Profile, Method (Source System), Response ID, Payment Brand Change, Submitted Account Number, Submitted Expiry, New Masked Account Number, New Expiry, Reason Message, Network Response, and Request Status

Fields

The following table shows the summary section field details.

Summary section fields
Alias	Field name	Description
Record Type	(Constant Value: "ACP-01")	Identifies the section title. A constant value of ACP-01 is put for this field.
Reason Message	Firm Account Updater Response Type Name	Label given to the type of account updater request received from the network. Sample Values: NEW_ACCOUNT NEW_EXPIRY NEW_ACCOUNT_AND_EXPIRY CLOSED_ACCOUNT PROVIDED_EXPIRY_NEWER CONTACT_CARDHOLDER MATCH_NO_UPDATE NO_MATCH_NON_PARTICIPATING_BIN NO_MATCH_PARTICIPATING_BIN ISSUER_NOT_PARTICIPATING CARDHOLDER_OPT_OUT PORTFOLIO_CONVERSION.
Response Message	Account Updater Status Message Text	Provides textual information about the account updater process status.
Method	Account Updater Inquiry Source Code	The source system API inquiry that was made from account updater
Method of Payment	Payment Method Code	Code that identifies the method of payment for the transaction.
Total	Firm Account Updater Response Type Name	Indicates the count of account updater requests received from the network, categorized by Status & Source system from which the inquiry is generated

The following table shows the detailed section field details.

Detailed section fields
Alias	Field name	Description
Record Type	(Constant Value: "ACP-02")	Identifies the section title. A constant value of ACP-01 is put for this field.
Profile ID	Profile ID	Unique identifier of a consumer maintained in the firm as requested by merchant. Consumer profile contains information relevant to processing transactions such as name, address, account and payment methods information.
Processor Profile ID	JPMC Consumer Profile ID	Unique identifier of a consumer's information maintained by the firm across merchant.
Payment Method ID	Payment Method ID	Unique identifier of payment method accepted by a level of the hierarchy of the merchant acquiring account.
Submitted Date	Transaction Timestamp	Designates the hour, minute, seconds and date (if timestamp) or year, month, and date (if date) when the transaction (monetary or non-monetary) occurred.
Method	Account Updater Inquiry Source Code	The source system of the API inquiry that was made from account updater.
Card Account Action	Account Updater Inquiry Type Code	The source system inquiry type whether inquiry is an automated subsequent inquiry or merchant-initiated inquiry.
Sub Merchant ID	Soft Merchant Identifier	Identifier of a merchant account as it appears on the accountholders statement.
Response ID	Transaction Identifier	Unique identifier of a transaction.
Payment Brand	Payment Method Code	The method used to pay for the exchange of money, goods, or services between a merchant and their consumer. Examples: Visa, Mastercard, PayPal, Bill Me Later etc.
Payment Brand Change	Card Brand Changed Indicator	Indicates whether an inquiry card number brand is changed.
Merchant Record Identifier	Merchant Provided Account Update Identifier	Identifier provided by merchant to identify record in their systems.
Submitted Account Number	Old Account Number	A concealed number associated with the card number recognized by various payment systems. This is typically concealed by storing only the first 6 and/or last 4 digits of the card number or some variation.
Submitted Expiry	Old Card Expiration Month Year Number	A number in the form of Month/Year that is displayed on a card (Debit/Credit). This number is used for the date which is no longer in effect for transactions being processed at the Point of Sale.
New Masked Account	Account Number	A concealed number associated with the card number recognized by various payment systems. This is typically concealed by storing only the first 6 and/or last 4 digits of the card number or some variation.
New Expiry	Card Expiration Month Year Number	A number in the form of Month/Year that is displayed on a card (Debit/Credit). This number is used for the date which is no longer in effect for transactions being processed at the Point of Sale.
Reason Message	Firm Account Updater Response Type Name	The label given to the type of account updater request received from the network. Sample Values: NEW_ACCOUNT NEW_EXPIRY NEW_ACCOUNT_AND_EXPIRY CLOSED_ACCOUNT PROVIDED_EXPIRY_NEWER CONTACT_CARDHOLDER MATCH_NO_UPDATE NO_MATCH_NON_PARTICIPATING_BIN NO_MATCH_PARTICIPATING_BIN ISSUER_NOT_PARTICIPATING CARDHOLDER_OPT_OUT PORTFOLIO_CONVERSION
Network Response	Network Account Update Response Code	Payment method provider provided response category for account update purpose.
Request Status	Card Account Action Code	Codifies the change request on the card account. Sample values are: REGISTER, UNREGISTER.

Sample report configurations

The following samples help you get an idea of how to configure account updated reports.

CO/BU/TD

The following request code block shows how to configure an account updated report for entityType = CO/BU/TD.

Json

{
    "entityType": "CO",
    "entityIds": [
        "393931"
    ],
    "reportSections": [
        {
            "sectionTitle": "Account Updated Summary",
            "sectionReportTypeName": "Account Updater",
            "sectionReportTypeId": "3018",
            "sectionSelectedFields": [
                {
                    "alias": "Record Type",
                    "constantValueText": "ACP-01 "
                },
                {
                    "alias": "Reason Message",
                    "reportAttributeName": "Firm Account Updater Response Type Name"
                },
                {
                    "alias": "Response Message",
                    "reportAttributeName": "Account Updater Status Message Text"
                },
                {
                    "alias": "Method",
                    "reportAttributeName": "Account Updater Inquiry Source Code"
                },
                {
                    "alias": "Method of Payment",
                    "reportAttributeName": "Payment Method Code"
                },
                {
                    "alias": "Total",
                    "reportAttributeName": "Firm Account Updater Response Type Name",
                    "aggregateOperationText": "count"
                }
            ],
            "sectionSortOrderList": [
                {
                    "reportAttributeName": "Firm Account Updater Response Type Name",
                    "sortOrderCode": "asc"
                },
                {
                    "reportAttributeName": "Account Updater Status Message Text",
                    "sortOrderCode": "asc"
                },
                {
                    "reportAttributeName": "Account Updater Inquiry Source Code",
                    "sortOrderCode": "asc"
                },
                {
                    "reportAttributeName": "Payment Method Code",
                    "sortOrderCode": "asc"
                }
            ]
        },
        {
            "sectionReportTypeName": "Account Update",
            "sectionTitle": "Account Updated Details",
            "sectionReportTypeId": "3018",
            "sectionSelectedFields": [
                {
                    "alias": "Record Type",
                    "constantValueText": "ACP-02 "
                },
                {
                    "reportAttributeName": "ProfileID"
                },
                {
                    "alias": "Processor Profile ID ",
                    "reportAttributeName": "JPMC Consumer Profile ID"
                },
                {
                    "reportAttributeName": "Payment Method Id"
                },
                {
                    "alias": "Submitted Date ",
                    "reportAttributeName": "Transaction Timestamp"
                },
                {
                    "alias": "Method",
                    "reportAttributeName": "Account Updater Inquiry Source Code"
                },
                {
                    "alias": "Card Account Action",
                    "reportAttributeName": "Account Updater Inquiry Type Code"
                },
                {
                    "alias": "Sub Merchant ID",
                    "reportAttributeName": "Soft Merchant Identifier"
                },
                {
                    "alias": "Response ID",
                    "reportAttributeName": "Transaction Identifier"
                },
                {
                    "alias": "Payment Brand",
                    "reportAttributeName": "Payment Method Code"
                },
                {
                    "alias": "Payment Brand Change",
                    "reportAttributeName": "Card Brand Changed Indicator"
                },
                {
                    "alias": "Merchant Record Identifier ",
                    "reportAttributeName": "Merchant Provided Account Update Identifier"
                },
                {
                    "alias": "Submitted Account Number",
                    "reportAttributeName": "Old Account Number"
                },
                {
                    "alias": "Submitted Expiry",
                    "reportAttributeName": "Old Card Expiration Month Year Number"
                },
                {
                    "alias": "New Masked Account",
                    "reportAttributeName": "Account Number"
                },
                {
                    "alias": "New Expiry",
                    "reportAttributeName": "Card Expiration Month Year Number"
                },
                {
                    "alias": "Reason Message",
                    "reportAttributeName": "Firm Account Updater Response Type Name"
                },
                {
                    "alias": "Network Response",
                    "reportAttributeName": "Network Account Update Response Code"
                },
                {
                    "alias": "Request Status",
                    "reportAttributeName": "Card Account Action Code"
                }
            ]
        }
    ],
    "fileDelimiter": ",",
    "reportConfigurationName": "Account Updated Report",
    "reportFileName": "ACP-01<Processing Entity ID>.<Report Type>.<frequency>.<From Date YYYY-MM-DD>.<To Date YYYY-MM-DD>",
    "reportHeader": "ProcessingEntityId=<Processing Entity ID>,ReportTypeName=<Report Type>,Frequency=<frequency>,FromDate=<From Date YYYY-MM-DD>,ToDate=<To Date YYYY-MM-DD>,GenerationDate=<Generation Date YYYY-MM-DD>,GenerationTime=<Generation Time HH:MM:SS>",
    "fileHeader": "BEGIN,ProcessingEntityId=<Processing Entity ID>,Frequency=<frequency>",
    "fileTrailer": "END,ProcessingEntityId=<Processing Entity ID>,Frequency=<frequency>",
    "csvColumnNameDisplayIndicator": true,
    "totalRowCountDisplayIndicator": false,
    "sectionRowCountDisplayIndicator": false,
    "reportConfigStatus": "active",
    "frequencyConfig": {
        "scheduleFrequency": "adhoc",
        "reportingPeriodStartTimestamp": "2025-03-17 10:23:29",
        "reportingPeriodEndTimestamp": "2025-03-31 10:23:29"
    }
}

PE

The following request code block shows how to configure an account updated report for entityType = PE.

Json

{
    "entityType": "PE",
    "entityIds": [
        "997946715419"
    ],
    "reportSections": [
        {
            "sectionTitle": "Account Updated Summary",
            "sectionReportTypeName": "Account Updater",
            "sectionReportTypeId": "3018",
            "sectionSelectedFields": [
                {
                    "alias": "Record Type",
                    "constantValueText": "ACP-01 "
                },
                {
                    "alias": "Reason Message",
                    "reportAttributeName": "Firm Account Updater Response Type Name"
                },
                {
                    "alias": "Response Message",
                    "reportAttributeName": "Account Updater Status Message Text"
                },
                {
                    "alias": "Method",
                    "reportAttributeName": "Account Updater Inquiry Source Code"
                },
                {
                    "alias": "Method of Payment",
                    "reportAttributeName": "Payment Method Code"
                },
                {
                    "alias": "Total",
                    "reportAttributeName": "Firm Account Updater Response Type Name",
                    "aggregateOperationText": "count"
                }
            ],
            "sectionSortOrderList": [
                {
                    "reportAttributeName": "Firm Account Updater Response Type Name",
                    "sortOrderCode": "asc"
                },
                {
                    "reportAttributeName": "Account Updater Status Message Text",
                    "sortOrderCode": "asc"
                },
                {
                    "reportAttributeName": "Account Updater Inquiry Source Code",
                    "sortOrderCode": "asc"
                },
                {
                    "reportAttributeName": "Payment Method Code",
                    "sortOrderCode": "asc"
                }
            ]
        },
        {
            "sectionReportTypeName": "Account Updater",
            "sectionTitle": "Account Updated Details",
            "sectionReportTypeId": "3018",
            "sectionSelectedFields": [
                {
                    "alias": "Record Type",
                    "constantValueText": "ACP-02 "
                },
                {
                    "reportAttributeName": "ProfileID"
                },
                {
                    "alias": "Processor Profile ID ",
                    "reportAttributeName": "JPMC Consumer Profile ID"
                },
                {
                    "reportAttributeName": "Payment Method Id"
                },
                {
                    "alias": "Submitted Date ",
                    "reportAttributeName": "Transaction Timestamp"
                },
                {
                    "alias": "Method",
                    "reportAttributeName": "Account Updater Inquiry Source Code"
                },
                {
                    "alias": "Card Account Action",
                    "reportAttributeName": "Account Updater Inquiry Type Code"
                },
                {
                    "alias": "Sub Merchant ID",
                    "reportAttributeName": "Soft Merchant Identifier"
                },
                {
                    "alias": "Response ID",
                    "reportAttributeName": "Transaction Identifier"
                },
                {
                    "alias": "Payment Brand",
                    "reportAttributeName": "Payment Method Code"
                },
                {
                    "alias": "Payment Brand Change",
                    "reportAttributeName": "Card Brand Changed Indicator"
                },
                {
                    "alias": "Merchant Record Identifier ",
                    "reportAttributeName": "Merchant Provided Account Update Identifier"
                },
                {
                    "alias": "Submitted Account Number",
                    "reportAttributeName": "Old Account Number"
                },
                {
                    "alias": "Submitted Expiry",
                    "reportAttributeName": "Old Card Expiration Month Year Number"
                },
                {
                    "alias": "New Masked Account",
                    "reportAttributeName": "Account Number"
                },
                {
                    "alias": "New Expiry",
                    "reportAttributeName": "Card Expiration Month Year Number"
                },
                {
                    "alias": "Reason Message",
                    "reportAttributeName": "Firm Account Updater Response Type Name"
                },
                {
                    "alias": "Network Response",
                    "reportAttributeName": "Network Account Update Response Code"
                },
                {
                    "alias": "Request Status",
                    "reportAttributeName": "Card Account Action Code"
                }
            ]
        }
    ],
    "fileDelimiter": ",",
    "reportConfigurationName": "Account Updated Report",
    "reportFileName": "ACP-01<Processing Entity ID>.<Report Type>.<frequency>.<From Date YYYY-MM-DD>.<To Date YYYY-MM-DD>",
    "reportHeader": "ProcessingEntityId=<Processing Entity ID>,ReportTypeName=<Report Type>,Frequency=<frequency>,FromDate=<From Date YYYY-MM-DD>,ToDate=<To Date YYYY-MM-DD>,GenerationDate=<Generation Date YYYY-MM-DD>,GenerationTime=<Generation Time HH:MM:SS>",
    "fileHeader": "BEGIN,ProcessingEntityId=<Processing Entity ID>,Frequency=<frequency>",
    "fileTrailer": "END,ProcessingEntityId=<Processing Entity ID>,Frequency=<frequency>",
    "csvColumnNameDisplayIndicator": true,
    "totalRowCountDisplayIndicator": false,
    "sectionRowCountDisplayIndicator": false,
    "reportConfigStatus": "active",
    "frequencyConfig": {
        "scheduleFrequency": "adhoc",
        "reportingPeriodStartTimestamp": "2025-03-17 10:23:29",
        "reportingPeriodEndTimestamp": "2025-03-31 10:23:29"
    }
}

Download sample report

Download the sample Account updated report.

Scheduled and adhoc report configurations