ISO 9564-5:2025

Financial services — Personal identification number (PIN) management and security — Part 5: Methods for the generation, change, and verification of PINs

This document specifies cryptographic methods for: — PIN generation; — reference PIN change; — transaction PIN verification. These PIN management functions can be implemented using: — encryption using an approved algorithm (see REF Table_tab_1 \r \h Table 1 08D0C9EA79F9BACE118C8200AA004BA90B02000000080000000C0000005400610062006C0065005F007400610062005F0031000000 ); — CMAC using an approved block cipher (see REF Table_tab_1 \r \h Table 1 08D0C9EA79F9BACE118C8200AA004BA90B02000000080000000C0000005400610062006C0065005F007400610062005F0031000000 ); — HMAC using an approved hash algorithm (see REF Table_tab_1 \r \h Table 1 08D0C9EA79F9BACE118C8200AA004BA90B02000000080000000C0000005400610062006C0065005F007400610062005F0031000000 ). Refer to ISO 9564-1 for basic principles & requirements regarding PIN establishment.

Services financiers — Gestion et sécurité du numéro personnel d'identification (PIN) — Partie 5: Méthodes pour la génération, la modification et la vérification des PIN

General Information

• Status: Published
• Publication Date: 23-Oct-2025
• ICS: 35.240.40 - IT applications in banking
• Technical Committee: ISO/TC 68/SC 2 - Financial Services, security
• Drafting Committee: ISO/TC 68/SC 2 - Financial Services, security
• Current Stage: 6060 - International Standard published
• Start Date: 24-Oct-2025
• Due Date: 22-Feb-2026
• Completion Date: 24-Oct-2025

Standards Content (Sample)

International
Standard
ISO 9564-5
First edition
Financial services — Personal
2025-10
identification number (PIN)
management and security —
Part 5:
Methods for the generation, change,
and verification of PINs
Services financiers — Gestion et sécurité du numéro personnel
d'identification (PIN) —
Partie 5: Méthodes pour la génération, la modification et la
vérification des PIN
Reference number
© ISO 2025
All rights reserved. Unless otherwise specified, or required in the context of its implementation, no part of this publication may
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Published in Switzerland
ii
Contents Page
Foreword .iv
Introduction .v
1 Scope . 1
2 Normative references . 1
3 Terms and definitions . 1
4 Symbols and reference terms . 3
5 Basic principles . 3
5.1 General .3
5.2 PIN management methods .4
5.2.1 PIN offset method .4
5.2.2 PVV method .4
5.2.3 Stored encrypted reference PIN .5
5.2.4 Approved cryptographic algorithms.5
6 PIN generation . 5
6.1 General .5
6.2 Random PIN generation method .5
6.3 Deterministic PIN generation method with PIN offset .6
6.3.1 Introduction .6
6.3.2 Method A . . .6
6.3.3 Method B . .7
6.4 PIN offset calculation method .7
7 PIN change . 8
7.1 Authentication .8
7.2 Forgotten PIN .8
8 Transaction PIN verification . 8
8.1 General .8
8.2 PVV method .9
8.2.1 General .9
8.2.2 Forming the input data .9
8.2.3 Calculating the PIN check value (PVV) . .11
8.3 Offset method .11
Annex A (informative) Worked examples .12
Annex B (informative) Mathematical support for calculations .15
Annex C (normative) Base conversion decimalization method . 17
Annex D (normative) Scanning decimalization method . 19
Bibliography .21

iii
Foreword
ISO (the International Organization for Standardization) is a worldwide federation of national standards
bodies (ISO member bodies). The work of preparing International Standards is normally carried out through
ISO technical committees. Each member body interested in a subject for which a technical committee
has been established has the right to be represented on that committee. International organizations,
governmental and non-governmental, in liaison with ISO, also take part in the work. ISO collaborates closely
with the International Electrotechnical Commission (IEC) on all matters of electrotechnical standardization.
The procedures used to develop this document and those intended for its further maintenance are described
in the ISO/IEC Directives, Part 1. In particular, the different approval criteria needed for the different types
of ISO document should be noted. This document was drafted in accordance with the editorial rules of the
ISO/IEC Directives, Part 2 (see www.iso.org/directives).
ISO draws attention to the possibility that the implementation of this document may involve the use of (a)
patent(s). ISO takes no position concerning the evidence, validity or applicability of any claimed patent
rights in respect thereof. As of the date of publication of this document, ISO had not received notice of (a)
patent(s) which may be required to implement this document. However, implementers are cautioned that
this may not represent the latest information, which may be obtained from the patent database available at
www.iso.org/patents. ISO shall not be held responsible for identifying any or all such patent rights.
Any trade name used in this document is information given for the convenience of users and does not
constitute an endorsement.
For an explanation of the voluntary nature of standards, the meaning of ISO specific terms and expressions
related to conformity assessment, as well as information about ISO’s adherence to the World Trade
Organization (WTO) principles in the Technical Barriers to Trade (TBT), see www.iso.org/iso/foreword.html.
This document was prepared by Technical Committee ISO/TC 68, Financial services, Subcommittee SC 2,
Financial Services, security.
A list of all parts in the ISO 9564 series can be found on the ISO website.
Any feedback or questions on this document should be directed to the user’s national standards body. A
complete listing of these bodies can be found at www.iso.org/members.html.

iv
Introduction
This document specifies requirements and recommendations for cryptographic methods for the generation,
change and verification of PINs.
This document has been prepared so that institutions involved in financial services activities wishing to
implement PIN management functions can do so in a manner that is secure and facilitates interoperability
between separate implementations.
This document identifies ciphers and algorithms from ISO/IEC 18033-3 and ISO/IEC 9797 that are
specifically approved for secure banking purposes.

v
International Standard ISO 9564-5:2025(en)
Financial services — Personal identification number (PIN)
management and security —
Part 5:
Methods for the generation, change, and verification of PINs
1 Scope
This document specifies cryptographic methods for:
— PIN generation;
— reference PIN change;
— transaction PIN verification.
These PIN management functions can be implemented using:
— encryption using an approved algorithm (see Table 1);
— CMAC using an approved block cipher (see Table 1);
— HMAC using an approved hash algorithm (see Table 1).
Refer to ISO 9564-1 for basic principles & requirements regarding PIN establishment.
2 Normative references
The following documents are referred to in the text in such a way that some or all of their content constitutes
requirements of this document. For dated references, only the edition cited applies. For undated references,
the latest edition of the referenced document (including any amendments) applies.
ISO 9564-1, Financial services — Personal Identification Number (PIN) management and security — Part 1:
Basic principles and requirements for PINs in card-based systems
ISO/IEC 9797-1:2011, Information technology — Security techniques — Message Authentication Codes (MACs)
— Part 1: Mechanisms using a block cipher
ISO/IEC 9797-2:2021, Information security — Message authentication codes (MACs) — Part 2: Mechanisms
using a dedicated hash-function
ISO 11568, Financial services — Key management (retail)
ISO/IEC 18031, Information technology — Security techniques — Random bit generation
3 Terms and definitions
For the purposes of this document, the following terms and definitions apply.
ISO and IEC maintain terminology databases for use in standardization at the following addresses:
— ISO Online browsing platform: available at https:// www .iso .org/ obp
— IEC Electropedia: available at https:// www .electropedia .org/

3.1
advanced encryption standard
AES
16-byte block cipher
Note 1 to entry: AES is defined in ISO/IEC 18033-3.
3.2
binary coded decimal
BCD
binary coding of a sequence of integers using 4 bits for each integer (where the bit weights are 8421) and
encoding two integers per byte, and where a 0 digit is appended to the left of an integer sequence containing
an uneven number of digits before encoding
[SOURCE: ISO/IEC 18013-2:2020(en), 3.1.2, modified — Note 1 to entry, Note 2 to entry and Example have
been removed.]
3.3
cipher-based message authentication code
CMAC
block cipher-based message authentication code algorithm
Note 1 to entry: CMAC is defined as algorithm 5 in ISO/IEC 9797-1:2011.
3.4
hash-based message authentication code
HMAC
message authentication code that uses a cryptographic key in conjunctio
...