Managing personal authentication

The process of validating personal identities in a financial transaction system is called personal authentication. The personal identification number (PIN) is the basis for verifying the identity of a customer across the financial industry networks. ICSF checks a customer-supplied PIN by verifying it using an algorithm. The financial industry needs functions to generate, translate, and verify PINs. These functions prevent unauthorized disclosures when organizations handle personal identification numbers.

ICSF supports these algorithms for generating and verifying personal identification numbers:
  • IBM 3624
  • IBM 3624 PIN offset
  • IBM German Bank Pool
  • VISA PIN validation value
  • Interbank
With ICSF, you can translate PIN blocks from one format to another. ICSF supports these formats:
  • ANSI X9.8
  • ISO formats 0, 1, 2, 3, 4
  • VISA formats 1, 2, 3, 4
  • IBM 4704 Encrypting PINPAD format
  • IBM 3624 formats
  • IBM 3621 formats
  • ECI formats 1, 2, 3

With the capability to translate personal identification numbers into different PIN block formats, you can use personal identification numbers on different systems.