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IBM 3624 PIN Calculator

Calculate the Intermediate (Natural) PIN using the IBM 3624 algorithm with DES/3DES encryption and configurable decimalization

💳 Card Data

13–19 digit card number. Used as validation data for PIN derivation.

🔑 Key & Parameters

16 hex chars (single DES) or 32 hex chars (3DES double-length key).

16 digits mapping hex 0-F to decimal 0-9. Default: 0123456789012345

Number of digits to extract from decimalized ciphertext.

How it works: The IBM 3624 algorithm generates a Natural (Intermediate) PIN deterministically from a card's PAN and a secret PIN Generation Key (PGK). The issuer never stores the PIN directly — only a PIN Offset derived from the difference between the Natural PIN and the customer-selected PIN is stored.

Validation Data: The PAN is right-justified into a 16-character (8-byte) block. If the PAN is shorter than 16 digits, it is left-padded with zeros. If longer, the rightmost 16 digits are used.

Encryption & Decimalization: The validation data is encrypted with DES (8-byte key) or 3DES ECB (16-byte key) using the PGK. Each hex digit of the 16-character ciphertext is then mapped through the decimalization table to produce decimal digits. The leftmost N digits form the Natural PIN.

Default Table: The standard decimalization table 0123456789012345 maps hex digits 0-9 to themselves, and A→0, B→1, C→2, D→3, E→4, F→5.

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📖 About This Tool

What is the IBM 3624 PIN Calculator?

The IBM 3624 PIN Calculator computes the Natural (Intermediate) PIN using the IBM 3624 method. It encrypts validation data derived from the PAN using a PIN Verification Key and applies a decimalization table to produce the natural PIN.

🛠️ How to Use
  1. Enter the PIN Verification Key (32 hex characters).
  2. Enter the PAN or validation data.
  3. Enter the decimalization table.
  4. Click Calculate to generate the natural PIN.
❓ FAQ

What is the IBM 3624 method?

IBM 3624 is a PIN derivation method that computes a "natural" PIN from the PAN using DES encryption and a decimalization table. The customer PIN is typically the natural PIN plus a secret offset, allowing PIN verification without storing the actual PIN.