Network Tokenization - Network Token Life-Cycle Management

Life-cycle management is a key feature of credentials-on-file (COF) network tokenization. Issuers can keep COF network tokens updated as changes are made to their cardholders' accounts.

TMS notifies you in real time when updates are made to a card represented by the COF network token in your TMS vault. Issuers push the life-cycle management updates either in real time or via a batch process to the card brands. Life-cycle updates and timelines will vary by issuer based on their update process. For example, TMS notifies you when a card becomes inactive.

TMS and webhooks enable you to stay informed about the status of COF network tokens in different ways:

Subscribe to real time notifications for lifecycle management events using Webhooks. For information about webhooks subscription, see Manage Webhook Subscriptions.

Generate reports that contain life-cycle management events for network tokens. For information about network token life-cycle management, see Network Token Life-Cycle Management Reports.

Simulate life-cycle management for Visa cards using the simulator. For information about simulating life-cycle events, see Simulate Life-Cycle Management Events.

When a network token is provisioned, these life-cycle management reasons can be applied:

Life-Cycle Management Reasons and Descriptions
Reason	Description
PROVISIONED	A network token has been provisioned.
CARD_UPDATED	The card expiration date or last four digits have been updated.
TOKEN_EXPIRY_UPDATED	The token expiration date has been updated.
TOKEN_UPDATED	The token expiration date and token status have been updated.
METADATA_UPDATED	The card metadata such as card art or issuer data has been updated.
REDIGITALIZATION	A new network token has been created due to redigitization. This status is available only for Mastercard.
TOKEN_STATUS_UPDATED	The status of the network token has been updated.

When you receive the

TOKEN_STATUS_UPDATED

life-cycle management update reason, one of these network token statuses is applied:

TOKEN_STATUS_UPDATED
Statuses and Descriptions
Status	Description
ACTIVE	The account and network token are active and in good standing. When COF network tokens are active, merchants can process transactions according to their COF agreement.
SUSPENDED	This status is temporary for COF network tokens and can change to ACTIVE or DELETED . Merchants should not send authorizations on suspended tokens. These tokens can be re-activated by the issuer later.
DELETED	This is the final state for a network token. A network token can be deleted when the account is closed or on cardholder instruction.

IMPORTANT

When a network token passes its expiration date and no life-cycle management update has occurred, the network token status will change to

EXPIRED

. This is not a status that results from a life-cycle management update.

Barclays does not process transactions with network tokens that have an

EXPIRED

status and merchants should not send transactions with network tokens that have an

EXPIRED

status. When the network token status is

EXPIRED

, there should be a life-cycle management notification from the issuer to update the expiration date of the token, or the merchant can submit another provision request.