Knowledge (XXG)

ISO 9564

Source ๐Ÿ“

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The PIN shall never appear where it can be associated with a customer's account. For example, a PIN mailer must not include the account number, but only sufficient information for its physical delivery (e.g. name and address). The PIN and the associated card shall not be mailed together, nor at the
172:– including transmission of PINs between those entities – so a common set of rules for handling and securing PINs is required, to ensure both technical compatibility and a mutually agreed level of security. ISO 9564 provides principles and techniques to meet these requirements. 428:, an envelope designed so that it can be printed without the PIN being visible (even at printing time) until the envelope is opened. A PIN mailer must also be constructed so that any prior opening will be obvious to the customer, who will then be aware that the PIN may have been disclosed. 290:
The keyboard layout should be standardized, with consistent and unambiguous labels for function keys, such as "enter", "clear" (this entry) and "cancel" (the transaction). The standard also recommends specific colours for function keys: green for "enter", yellow for "clear", red for
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system, and (typically) to authorize the transfer or withdrawal of funds. Therefore, it is important to protect PINs against unauthorized disclosure or misuse. Modern banking systems require interoperability between a variety of
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To protect the PIN during transmission from the PIN entry device to the verifier, the standard requires that the PIN be encrypted, and specifies several formats that may be used. In each case, the PIN is encoded into a
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Only the customer (i.e. the user of a card) and/or authorized card issuer staff shall be involved with PIN selection or issuing. Where card issuer staff are involved, appropriate strictly enforced procedures shall be
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The standard specifies that PINs shall be from four to twelve digits long, noting that longer PINs are more secure but harder to use. It also suggests that the issuer should not assign PINs longer than six digits.
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If the PIN entry device and the card reader are not both part of an integrated secure unit, then the PIN shall be encrypted while it is transmitted from the PIN entry device to the card reader.
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Financial services — Personal Identification Number (PIN) management and security — Part 1: Basic principles and requirements for PINs in card-based systems AMENDMENT 1
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Financial services — Personal Identification Number (PIN) management and security — Part 4: Requirements for PIN handling in eCommerce for Payment Transactions
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Format 3 is the same as format 0, except that the "fill" digits are random values from 10 to 15, and the first nibble (which identifies the block format) has the value 3.
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Financial services — Personal Identification Number (PIN) management and security — Part 1: Basic principles and requirements for PINs in card-based systems
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should be constructed in such a way as to prevent someone monitoring the communications to the card by inserting a monitoring device into the card slot.
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The standard includes requirements for keeping the PIN secret while transmitting it, after generation, from the issuer to the customer. These include:
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ISO 9564-1:2011 specifies the basic principles and techniques of secure PIN management. It includes both general principles and specific requirements.
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The PIN shall not be communicated verbally. In particular bank personnel shall never ask the customer to disclose the PIN, nor recommend a PIN value.
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Banking — Personal Identification Number management and security — Part 3: Requirements for offline PIN handling in ATM and POS systems
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Financial services — Personal Identification Number (PIN) management and security — Part 2: Approved algorithms for PIN encipherment
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This format should be used where no PAN is available. The PIN block is constructed by concatenating the PIN with a transaction number thus:
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The card issuer generates the PIN by applying some cryptographic function to the account number or other value associated with the customer.
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All PIN entry devices shall allow entry of the digits zero to nine. Numeric keys may also have letters printed on them, e.g. as per
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used for the card that will verify the PIN may be integrated into a single physically secure unit, but they do not need to be.
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PIN management functions shall be implemented in software and hardware in such a way that the functionality cannot be modified
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ISO 9564-2:2014 specifies which encryption algorithms may be used for encrypting PINs. The approved algorithms are:
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ISO 9564-4:2016 defines minimum security requirements and practices for the use of PINs and PIN entry devices in
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or similar.) The standard also recommends that customers should be warned that not all devices may have letters.
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The PIN can only be displayed or printed for the customer in an appropriately secure manner. One method is a
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nibbles encoding a unique value, which may be a transaction sequence number, time stamp or random number
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The PIN entry device should be designed or installed so as to prevent other people from
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Financial services — Personal Identification Number (PIN) management and security
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All hardware and software used for PIN processing shall be implemented such that:
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has a block size of 128 bits. In such cases the PIN must be encoding into an
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Part 4: Requirements for PIN handling in eCommerce for Payment Transactions
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The customer shall be advised of the importance of keeping the PIN secret.
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one nibble with the value of 2, which identifies this as a format 2 block
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one nibble with the value of 1, which identifies this as a format 1 block
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one nibble with the value of 0, which identifies this as a format 0 block
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Part 1: Basic principles and requirements for PINs in card-based systems
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The standard specifies some characteristics required or recommended of
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Security of the PIN encryption shall depend on secrecy of the key, not
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so that it is not feasible to modify its operation or extract PINs or
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Part 3: Requirements for offline PIN handling in ATM and POS systems
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The PIN is used to verify the identity of a customer (the user of a
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There are three accepted methods of selecting or generating a PIN:
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Additional requirements that apply to smart card readers include:
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The data cannot be inappropriately accessed, modified or misused.
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A PIN shall be revoked if it is compromised, or suspected to be.
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Encrypting the same PIN with the same key but for a different
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PIN encryption keys should not be used for any other purpose.
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A stored encrypted PIN shall be protected from substitution.
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Format 2 is for local use with off-line systems only, e.g.
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ISO 9564 comprises three parts, under the general title of
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The card issuer shall be responsible for PIN verification.
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12 nibbles containing the right-most 12 digits of the
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They cannot be modified or accessed without detection.
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The PIN is never available to the card issuing staff.
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nibbles, each holding the "fill" value 15 (i.e. 1111
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The PIN entry device and the 868: 854: 846: 342:Their correct functioning can be assured. 109:Learn how and when to remove this message 758: 738: 331:Other specific PIN control requirements 45:Please improve this article by adding 473:, both of which comprise 16 four-bit 335:Other specific requirements include: 7: 593:nibbles, each encoding one PIN digit 556:nibbles, each encoding one PIN digit 497:nibbles, each encoding one PIN digit 628:, as they correspond to its 64-bit 520:four nibbles with the value of zero 408:The customer selects the PIN value. 351:The PIN cannot be determined by a 285:observing the PIN as it is entered 14: 132:(PIN) management and security in 3159: 3158: 693: 653:Triple Data Encryption Algorithm 626:Triple Data Encryption Algorithm 461:The PIN block is constructed by 300:A PIN may be stored in a secure 23: 583:one nibble encoding the length 546:one nibble encoding the length 487:one nibble encoding the length 272:The PIN entry device shall be 220:The PIN must always be stored 130:personal identification number 1: 516:The account number field is: 480:The plain text PIN field is: 47:secondary or tertiary sources 664:Advanced Encryption Standard 634:Advanced Encryption Standard 465:-ing two 64-bit fields: the 840:Complete list of PIN-blocks 780:ISO 9564-1:2011/Amd 1:2015 504:nibbles, each holding the " 453:The PIN block formats are: 3206: 3154: 887: 413:PIN issuance and delivery 145:electronic funds transfer 215:secrecy of the algorithm 398:random number generator 525:primary account number 224:or physically secured. 126:international standard 34:relies excessively on 16:International standard 527:(PAN), excluding the 508:" value 15 (i.e. 1111 405:customer selected PIN 3190:Financial technology 471:account number field 467:plain text PIN field 385:assigned derived PIN 727:electronic commerce 620:Extended PIN blocks 393:assigned random PIN 881:by standard number 705:. You can help by 670:Part 3 (withdrawn) 638:extended PIN block 450:of the standard). 353:brute-force search 296:Smart card readers 274:physically secured 134:financial services 3172: 3171: 895:ISO romanizations 723: 722: 251:PIN entry devices 245:PIN entry devices 201:without detection 150:PIN entry devices 119: 118: 111: 93: 3197: 3162: 3161: 882: 870: 863: 856: 847: 827: 822:ISO 9564-4:2016 819: 813: 808:ISO 9564-3:2003 805: 799: 794:ISO 9564-2:2014 791: 785: 777: 771: 766:ISO 9564-1:2011 763: 746: 743: 718: 715: 697: 690: 191:Basic principles 114: 107: 103: 100: 94: 92: 51: 27: 19: 3205: 3204: 3200: 3199: 3198: 3196: 3195: 3194: 3175: 3174: 3173: 3168: 3150: 3074: 2800: 1952: 901: 883: 880: 874: 842:, with examples 836: 831: 830: 820: 816: 806: 802: 792: 788: 778: 774: 764: 760: 755: 750: 749: 744: 740: 735: 719: 713: 710: 703:needs expansion 688: 672: 646: 622: 614: 603: 570: 537: 511: 459: 439: 415: 379: 370: 333: 304:, and verified 298: 278:encryption keys 253:(also known as 247: 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1392: 1390: 1387: 1385: 1382: 1378: 1375: 1373: 1370: 1368: 1365: 1364: 1363: 1360: 1358: 1355: 1353: 1350: 1348: 1345: 1343: 1340: 1338: 1335: 1333: 1330: 1328: 1325: 1323: 1320: 1318: 1315: 1313: 1310: 1308: 1305: 1303: 1300: 1298: 1295: 1293: 1290: 1288: 1285: 1283: 1280: 1278: 1275: 1273: 1270: 1268: 1265: 1263: 1260: 1258: 1255: 1253: 1250: 1248: 1245: 1243: 1240: 1238: 1235: 1233: 1230: 1228: 1225: 1223: 1220: 1218: 1215: 1213: 1210: 1208: 1205: 1203: 1200: 1198: 1195: 1193: 1190: 1188: 1185: 1183: 1180: 1178: 1175: 1173: 1170: 1168: 1165: 1163: 1160: 1158: 1155: 1153: 1150: 1148: 1145: 1143: 1140: 1136: 1133: 1131: 1128: 1126: 1123: 1121: 1118: 1116: 1113: 1112: 1111: 1108: 1106: 1103: 1101: 1098: 1096: 1093: 1091: 1088: 1086: 1083: 1081: 1078: 1076: 1073: 1071: 1068: 1066: 1063: 1061: 1058: 1056: 1053: 1051: 1048: 1046: 1043: 1041: 1038: 1036: 1033: 1031: 1028: 1024: 1021: 1019: 1016: 1014: 1011: 1009: 1006: 1004: 1001: 999: 996: 994: 991: 989: 986: 984: 981: 979: 976: 974: 971: 969: 966: 964: 961: 960: 959: 956: 954: 951: 949: 946: 944: 941: 939: 936: 934: 931: 929: 926: 924: 921: 919: 916: 914: 911: 910: 908: 904: 900: 899:IEC standards 896: 892: 891:ISO standards 886: 878: 871: 866: 864: 859: 857: 852: 851: 848: 841: 838: 837: 833: 826: 825: 818: 815: 812: 811: 804: 801: 798: 797: 790: 787: 784: 783: 776: 773: 770: 769: 762: 759: 752: 742: 739: 732: 730: 728: 717: 708: 704: 701:This section 699: 696: 692: 691: 685: 683: 681: 677: 669: 665: 662: 659: 656: 654: 651: 650: 649: 643: 641: 639: 635: 631: 627: 619: 617: 611: 609: 599: 595: 592: 589: 586: 582: 579: 578: 577: 575: 567: 562: 558: 555: 552: 549: 545: 542: 541: 540: 534: 530: 526: 522: 519: 518: 517: 507: 503: 499: 496: 493: 490: 486: 483: 482: 481: 478: 476: 472: 468: 464: 456: 454: 451: 449: 445: 436: 430: 427: 423: 420: 419: 418: 412: 407: 404: 403: 399: 395: 392: 391: 387: 384: 383: 382: 377:PIN selection 376: 374: 367: 362: 359: 354: 350: 347: 344: 341: 340: 338: 337: 336: 330: 325: 322: 318: 317: 316: 313: 311: 307: 303: 295: 289: 286: 282: 279: 275: 271: 268: 264: 260: 259: 258: 256: 252: 244: 239: 236: 233: 230: 226: 223: 219: 216: 212: 209: 205: 202: 198: 197: 196: 190: 188: 182: 180: 178: 173: 171: 167: 163: 159: 155: 151: 146: 142: 137: 135: 131: 127: 123: 113: 110: 102: 91: 88: 84: 81: 77: 74: 70: 67: 63: 60: โ€“  59: 55: 54:Find sources: 48: 42: 41: 37: 32:This article 30: 26: 21: 20: 3017:27000 series 1897: 823: 817: 809: 803: 795: 789: 781: 775: 767: 761: 741: 724: 714:October 2016 711: 707:adding to it 702: 675: 673: 647: 637: 623: 615: 607: 597: 590: 584: 571: 560: 553: 547: 538: 515: 501: 494: 488: 479: 470: 466: 460: 452: 443: 440: 425: 416: 380: 371: 334: 314: 299: 250: 248: 208:bank account 194: 186: 176: 174: 162:card issuers 158:card readers 143:) within an 138: 121: 120: 105: 99:October 2016 96: 86: 79: 72: 65: 53: 33: 2805:20000โ€“29999 1957:10000โ€“19999 674:ISO 9564-3 574:smart cards 529:check digit 321:card reader 154:smart cards 3179:Categories 2584:16949 (TS) 2181:11941 (TR) 879:standards 753:References 630:block size 587:of the PIN 550:of the PIN 491:of the PIN 432:same time. 426:PIN mailer 368:PIN length 302:smart card 69:newspapers 58:"ISO 9564" 36:references 2539:15926 WIP 1903:9592/9593 1828:9000/9001 1716:8805/8806 444:PIN block 291:"cancel". 267:multi-tap 222:encrypted 170:retailers 141:bank card 3164:Category 889:List of 612:Format 3 568:Format 2 535:Format 1 469:and the 457:Format 0 280:from it. 255:PIN pads 122:ISO 9564 3065:29199-2 2937:23094-2 2932:23094-1 2922:23090-3 2791:19794-5 2786:19775-1 2574:16612-2 2564:16355-1 2253:13406-2 2211:12234-2 1979:10118-3 475:nibbles 306:offline 83:scholar 3079:30000+ 1918:9797-1 1726:8820-5 1671:8501-1 1227:1073-2 1222:1073-1 906:1โ€“9999 680:part 1 448:part 2 310:reader 124:is an 85:  78:  71:  64:  56:  3146:80000 3141:56000 3136:55000 3131:50001 3126:45001 3121:42010 3116:40500 3111:39075 3106:38500 3101:37001 3096:32000 3091:31000 3086:30170 3070:29500 3060:29148 3056:29110 3052:28000 3047:27729 3042:27006 3037:27005 3032:27002 3027:27001 3022:27000 3012:26324 3007:26300 3002:26262 2997:26000 2992:25964 2987:25178 2982:24728 2977:24707 2972:24617 2967:24613 2962:24517 2957:23941 2952:23360 2947:23271 2942:23270 2927:23092 2917:23009 2912:23008 2907:23003 2902:23000 2897:22537 2892:22395 2887:22301 2882:22300 2877:22275 2872:22000 2867:21827 2862:21500 2857:21122 2852:21047 2847:21001 2842:21000 2837:20830 2832:20802 2827:20400 2822:20121 2817:20022 2812:20000 2796:19831 2781:19770 2776:19757 2771:19752 2766:19600 2761:19510 2756:19509 2751:19508 2746:19507 2741:19506 2736:19505 2731:19503 2726:19502 2721:19501 2716:19500 2711:19439 2706:19407 2701:19136 2696:19125 2691:19115 2686:19114 2669:19092 2664:19011 2659:19005 2654:18916 2649:18629 2644:18245 2639:18181 2634:18014 2629:18004 2624:17799 2619:17506 2614:17442 2609:17369 2604:17203 2599:17100 2594:17025 2589:17024 2579:16750 2569:16485 2559:16262 2554:16023 2549:15938 2544:15930 2534:15926 2529:15924 2524:15919 2519:15897 2514:15707 2502:15706 2497:15693 2492:15686 2487:15511 2482:15504 2477:15438 2472:15445 2455:15444 2450:15408 2445:15398 2440:15291 2435:15288 2430:15189 2425:15022 2420:14971 2415:14882 2410:14764 2405:14698 2400:14651 2395:14649 2390:14644 2385:14617 2333:14496 2328:14443 2323:14396 2318:14289 2313:14224 2308:14031 2303:14000 2298:13818 2293:13816 2288:13616 2283:13584 2278:13568 2273:13567 2268:13490 2263:13485 2258:13450 2248:13399 2243:13250 2238:13216 2221:13211 2216:12620 2206:12207 2201:12182 2196:12052 2191:12006 2186:11992 2176:11941 2166:11940 2161:11898 2156:11889 2151:11801 2146:11785 2141:11784 2136:11783 2131:11544 2126:11404 2121:11179 2116:11172 2111:11170 2106:11073 2101:10967 2096:10962 2091:10957 2086:10861 2081:10746 2076:10664 2071:10646 2066:10628 2061:10589 2056:10585 2051:10383 2019:10303 2014:10279 2009:10218 2004:10206 1999:10179 1994:10165 1989:10161 1984:10160 1974:10116 1969:10007 1964:10006 733:Notes 263:E.161 228:used. 90:JSTOR 76:books 2044:-238 1948:9995 1943:9985 1938:9984 1933:9945 1928:9899 1923:9897 1913:9660 1908:9594 1898:9564 1893:9529 1888:9506 1883:9496 1878:9407 1873:9362 1868:9314 1863:9293 1858:9241 1853:9227 1848:9141 1843:9126 1838:9075 1833:9036 1823:8879 1776:-8-I 1731:8859 1721:8807 1711:8691 1706:8652 1701:8651 1696:8632 1691:8613 1686:8601 1681:8583 1676:8571 1666:8373 1661:8217 1656:8178 1651:8093 1646:8000 1641:7942 1636:7816 1631:7813 1626:7812 1621:7811 1616:7810 1611:7736 1606:7637 1594:7498 1589:7200 1584:7185 1579:7098 1574:7064 1569:7027 1564:7010 1559:7002 1554:7001 1549:6943 1544:6709 1539:6523 1534:6438 1529:6429 1524:6425 1519:6385 1514:6373 1509:6346 1504:6344 1499:6166 1494:5964 1489:5807 1484:5800 1479:5776 1474:5775 1469:5725 1464:5428 1459:5427 1454:5426 1449:5218 1444:4909 1439:4217 1434:4165 1429:4157 1424:4031 1419:3977 1414:3950 1409:3901 1404:3864 1399:3602 1394:3601 1389:3307 1384:3297 1362:3166 1357:3103 1352:3029 1347:2921 1342:2852 1337:2848 1332:2788 1327:2720 1322:2711 1317:2709 1312:2533 1307:2281 1302:2240 1297:2146 1292:2145 1287:2108 1282:2047 1277:2033 1272:2022 1267:2015 1262:2014 1257:1989 1252:1745 1247:1629 1242:1538 1237:1413 1232:1155 1217:1007 1212:1004 1207:1000 1030:68-1 506:fill 319:The 168:and 128:for 62:news 2378:-20 2373:-17 2368:-14 2363:-12 2358:-11 2353:-10 2039:-28 2034:-22 2029:-21 2024:-11 1816:-16 1811:-15 1806:-14 1801:-13 1796:-12 1791:-11 1786:-10 1202:999 1197:965 1192:898 1187:860 1182:843 1177:838 1172:764 1167:732 1162:704 1157:690 1152:668 1147:657 1142:646 1110:639 1105:519 1100:518 1095:500 1090:361 1085:306 1080:302 1075:262 1070:261 1065:259 1060:233 1055:228 1050:226 1045:217 1040:216 1035:128 1023:-13 1018:-12 1013:-11 1008:-10 877:ISO 709:. 658:RSA 596:14โˆ’ 559:14โˆ’ 500:14โˆ’ 463:XOR 38:to 3181:: 2679:-2 2674:-1 2507:-2 2465:-9 2460:-3 2348:-6 2343:-3 2338:-2 2231:-2 2226:-1 2170:-2 1781:-9 1771:-8 1766:-7 1761:-6 1756:-5 1751:-4 1746:-3 1741:-2 1736:-1 1599:-1 1377:-3 1372:-2 1367:-1 1135:-6 1130:-5 1125:-3 1120:-2 1115:-1 1003:-9 998:-8 993:-7 988:-6 983:-5 978:-4 973:-3 968:-1 963:-0 958:31 953:17 948:16 897:โ€“ 893:โ€“ 729:. 682:. 477:. 179:. 164:, 160:, 156:, 152:, 136:. 49:. 2172:) 2168:( 943:9 938:7 933:6 928:4 923:3 918:2 913:1 869:e 862:t 855:v 716:) 712:( 660:; 604:) 602:2 598:N 591:N 585:N 561:N 554:N 548:N 512:) 510:2 502:N 495:N 489:N 400:. 355:. 287:. 217:. 112:) 106:( 101:) 97:( 87:ยท 80:ยท 73:ยท 66:ยท 43:.

Index


references
primary sources
secondary or tertiary sources
"ISO 9564"
news
newspapers
books
scholar
JSTOR
Learn how and when to remove this message
international standard
personal identification number
financial services
bank card
electronic funds transfer
PIN entry devices
smart cards
card readers
card issuers
acquiring banks
retailers
without detection
bank account
secrecy of the algorithm
encrypted
PIN pads
E.161
multi-tap
physically secured

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