Energy which is transferred due to a temperature difference is sometimes known as heat or heat energy (or even thermal energy, although this is not a standard term). Conduction is sometimes described as a thermal energy transfer. You will have to decide if any of these terms are appropriate to your own scheme of work.
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Answer Wiki. The short answer is that American Express cards have a different PAN format than Visa, MasterCard and Discover because they offer a different kind of financial service. American Express cards are travel and entertainment cards. The digits on the front of almost all credit cards are known as the Primary Account Number, or PAN. Almost all credit card companies generate PANs (including debit cards but not including merchant cards) according to ANSI Standard X4.13-1983.