Format 01 is the format adopted by the American National Standards Institute (ANSI X9.8) and is one of two formats supported by the International Standards Organisation (ISO 95641 - format 0).
The format combines the customer PIN and account number as follows:
· A 16-digit block is made from the digit 0, the length of the PIN, the PIN, and a pad character (hexadecimal F). For example, for the 5-digit PIN 92389, the block is:
0592 389F FFFF FFFF
· Another 16-digit block is made from four zeros and the 12 right-most digits of the account number, excluding the check digit. For example, for the 13-digit account number 4000 0012 3456 2, where the check digit is 2, the block is:
0000 4000 0012 3456
· The two blocks are exclusive-OR added:
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05 |
92 |
38 |
9F |
FF |
FF |
FF |
FF |
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00 |
00 |
40 |
00 |
00 |
12 |
34 |
56 |
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PIN block: |
05 |
92 |
78 |
9F |
FF |
ED |
CB |
A9 |
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