IBM 3624 PIN Offset Calculator
Calculate PIN offsets for IBM 3624 PIN validation, or verify a customer PIN from a stored offset using mod-10 arithmetic
13–19 digit card number. Used as validation data for PIN derivation.
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 for the PIN and offset.
The customer's desired PIN. Must match the selected PIN length.
The stored offset value. Must match the selected PIN length.
Calculate Offset: For each digit position i:
offset[i] = (customerPIN[i] − naturalPIN[i] + 10) mod 10
Verify PIN: For each digit position i:
customerPIN[i] = (naturalPIN[i] + offset[i]) mod 10
Example: If the Natural PIN is
3846 and Customer PIN is
1234, the offset is 8498 (digit-by-digit: 1−3+10=8, 2−8+10=4,
3−4+10=9, 4−6+10=8).
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What is the IBM 3624 PIN Offset Calculator?
The IBM 3624 PIN Offset Calculator computes the offset value between a customer-selected PIN and the natural (intermediate) PIN. The offset is stored instead of the PIN itself, enabling secure PIN verification.
- Enter the PIN Verification Key.
- Enter the PAN and decimalization table.
- Enter the customer-selected PIN.
- Click Calculate to generate the offset.
What is a PIN offset?
The PIN offset is the digit-by-digit modulo-10 difference between the customer-selected PIN and the IBM 3624 natural PIN. Storing only the offset (not the PIN) enables PIN verification without exposing the actual PIN value.