Implementation of PinBlock Format 0 based on ISO-9564 standard.
The PIN block is constructed by XOR
-ing two 64-bit fields: the plain text PIN field
and the account number field
,
both of which comprise 16 four-bit nibble
s.
The plain text PIN field is :
- one nibble with the value of 0, which identifies this as a format 0 block
- one nibble encoding the length
N
of the PIN N
nibbles, each encoding one PIN digit- 14−
N
nibbles, each holding thePadding (cryptography)|fill
value 15 (i.e. 1111 or F)
The account number field is:
- four nibbles with the value of zero
- 12 nibbles containing the right-most 12 digits of the primary account number(PAN), excluding the
check digit
Formats 0 to 3 are all suitable for use with the Triple Data Encryption Algorithm, as they correspond to its 64-bit block size. However the standard allows for other encryption algorithms with larger block sizes, e.g. the Advanced Encryption Standard has a block size of 128 bits. In such cases the PIN must be encoding into an extended PIN block, the format of which is defined in a 2015 amendment to ISO 9564-1. In this library, we have used 3DES in ECB/NoPadding mode.
For better clarification please refer to the following online tool: https://neapay.com/online-tools/calculate-pin-block.html
npm install
./node_modules/mocha/bin/mocha -r esm