Processing personal identification numbers

Edit online

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. The financial industry needs functions to generate, translate, and verify PINs. These functions prevent unauthorized disclosures when organizations handle personal identification numbers.

The coprocessor supports the following algorithms for generating and verifying personal identification numbers:
  • IBM® 3624
  • IBM 3624 PIN offset
  • IBM German Bank Pool
  • IBM German Bank Pool PIN Offset (GBP-PINO)
  • VISA PIN validation value
  • Interbank

You can translate PIN blocks from one format to another without the PIN being exposed in cleartext form. The coprocessor supports the following 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.