BS ISO 9564-5:2025

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.