IBM PIN algorithms

There are several PIN algorithms, including the IBM® PIN generation algorithms, IBM PIN offset generation algorithm, and IBM PIN verification algorithms.

3624 PIN generation algorithm
This algorithm generates an n-digit PIN based on account-related data or person-related data, namely the validation data. The assigned PIN length parameter specifies the length of the generated PIN.
German Banking Pool PIN Generation algorithm
This algorithm generates a 4-digit PIN based on account-related data or person-related data, namely the validation data.
PIN offset generation algorithm
To allow the customer to select his own PIN, a PIN offset is used by the IBM 3624 and GBP PIN generation algorithms to relate the customer-selected PIN to the generated PIN.
3624 PIN verification algorithm
This algorithm generates an intermediate PIN based on the specified validation data. A part of the intermediate PIN is adjusted by adding an offset data. A part of the result is compared with the corresponding part of the customer-entered PIN.
German Banking Pool PIN Verification algorithm
This algorithm generates an intermediate PIN based on the specified validation data.

Parent topic: PIN formats and algorithms