ISO Format 3

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The formats of the intermediate PIN-block, the PAN block, and the ISO-3 PIN-block.

An ISO-3 PIN-block format is equivalent to the ANSI X9.8, VISA-1, and ECI-1 PIN-block formats in length. A PIN that is longer than 12 digits is truncated on the right.

Figure 1. ISO-3 PIN-block format
ISO-3 PIN-block format
where:
3
Is the value X'3' for ISO-3.
L
Is the length of the PIN, which is a 4-bit value from X'4' - X'C'.
P
Is a PIN digit, which is a 4-bit value from X'0' - X'9'. The values of the PIN digits are independent.
P/R
Is a PIN digit or pad value. A PIN digit has a 4-bit value from X'0' - X'9'. A pad value has a random 4-bit value of X'A' - X'F'. The number of pad values in the intermediate PIN block (IPB) is from 2 - 10.
R
Is the random value X'A' - X'F' for the pad value.
PAN
Is twelve 4-bit digits that represent one of the following:
  • The rightmost 12 digits of the primary account-number (excluding the check digit) if the format of the PIN block is ISO-3, ANSI X9.8, VISA-1, or ECI-1.
  • The leftmost 12 digits of the primary account-number (excluding the check digit) if the format of the PIN block is VISA-4.

Each PAN digit has a value from X'0' - X'9'.

The PIN block is the result of XORing the 64-bit IPB with the 64-bit PAN block.

Example: 
     L = 6, PIN = 123456, Personal Account Number = 111222333444555
     36123456AFBECDDC : IPB
     0000222333444555 : PAN block for ISO-3 (ANSI X9.8, VISA-1, ECI-1) format
     361216759CFA8889 : PIN block for ISO-3 (ANSI X9.8, VISA-1, ECI-1) format