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There's a conceptually linked concept called the PAR (Payment Account Reference) which some payment systems return.

You can't transact with it directly, but theoretically it refers to the same payment instrument whether you accessed it by the 16-digit PAN on the card, a mobile wallet that generates a new dPAN each time, or a token that corresponds to a secure vault platform.

It's useful for things like transit payments where someone might tap their card when entering the train and their phone when exiting, and they need to treat them as equivalent for "fares for a single traveller/card can be no more than $x per day"



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