ANSI X9.8

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This format is also named ISO format 0, VISA format 1, VISA format 4, and ECI format 1.

   P1 = CLPPPPffffffffFF

   P2 = ZZZZAAAAAAAAAAAA

   PIN Block = P1 XOR P2

where C = X'0'
      L = X'4' to X'C'
Programming Note: The rightmost 12 digits (excluding the check digit) in P2 are the rightmost 12 digits of the account number for all formats except VISA format 4. For VISA format 4, the rightmost 12 digits (excluding the check digit) in P2 are the leftmost 12 digits of the account number.