BS ISO 9564-5:2025

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.