PIN Block format ISO 9564 Format 0

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Last updated: Feb 05, 2024 by Yan Mu
1 min read

ISO-0 (Format 0)

Is the first and most common PIN block encoding format based on ISO 9564 - an international standard for personal identification number (PIN) management and security in retail banking.

Calculation steps:

  1. Prepare a PIN - L is the length of the PIN, P is the PIN digit, F is the padding value "F"

     

  2. Prepare PAN - take 12 rightmost digits of the primary account number (excluding the check digit)



  3. XOR both values



Example:

PIN blocks: PIN block encrypt operation finished
****************************************
PAN:            43219876543210987
PIN:            1234
PAD:            N/A
Format:         Format 0 (ISO-0)
----------------------------------------
Clear PIN block:0412AC89ABCDEF67

PIN blocks: PIN block decode operation finished
****************************************
PIN block:      0412AC89ABCDEF67
PAN:            43219876543210987
PAD:            N/A
Format:         Format 0 (ISO-0)
----------------------------------------
Decoded PIN:    1234