BP-Tools: Crypto Calculator - Payments Menu - EFTLab - Innovative Payment Technologies (2023) (2023)

Introduction

The BP-Tools suite consists of applications that support the development, testing and benchmarking of payment transaction services. It currently consists of the following components: Cryptographic Calculator and HSM Commander.

EFTlab distributes BP-Tools under Creative Commons Legal Code Attribution-NoDerivs 3.0 Unported and completely free. This package comes with full support and monthly releases instantly bring new features.

This tutorial focuses on the functionality of the Cryptographic Calculator and is provided in six separate parts according to the functionality topics covered by its main menu – Generic, Cipher, Keys, Payments, EMV and development tools. This tutorial is also intended to provide some basic history of the algorithms in use.

payment encryption

This toolset focuses on working with cryptographic algorithms used in payments, extended with additional features like MAC generation and validation, PIN formats and calculation, and other common payment security techniques.

AS2805

AS2805 is the Australian standard for financial messages. It is used almost exclusively in Australia for the operation of card-based financial transactions between banks, ATMs and EFTPOS devices. The financial messages described by this standard are closely related to ISO 8583, but predate it by two years (1985 vs 1987).

AS2805 functionality provided by CCALC handles Terminal Keyset generation, PIN Block translation, in addition to MAC and OWF generation.

Generate Terminal Keyset

Generates a set of terminal keys such as Terminal PIN Key (TPK), Terminal Authentication Key Receive (TAKr), Terminal Authentication Key Send (TAKs), Terminal Encryption Key Receive (TEKr), and Terminal Encryption Key Send (TEKs) and returns each key encrypted under a variant of a Terminal Master Key (TMK) or KMA and the appropriate LMK pair. CCALC generates a key verification value (KCV) for each output key.

KEK Flag specifies which key is used 1 = KEK1, 2 = KEK2, 3 = TEKr.

Key encryption The receipt key (KEKr) must always be given in hexadecimal digits (0-9 | A-F) and the allowed key length is 32. The key is encrypted in the appropriate variant of the LMK pair 14-15.

Key Scheme KEK tells which Key Scheme will be used to encrypt keys under KEKr.

The LMK Key Scheme tells you which Key Scheme will be used to encrypt the keys in the LMK.

KCV Type defines the length of the key check value (1 = KCV 6H )

AS2805: Generate terminal keyset operation completed
****************************************
Flag KEK: 1
KEKr:D045461C8C49FC0C9729AC0D5FA0E4E4
KEK:H key scheme
LMK:U switch scheme
Key check value type: 1
—————————————-
TPK sob LMK: UD6CAF1AF4084B33306684F966F8B73ED
TPK sob KEK:HAA25A3709EA011CD59728FD78F259BAF
KCV de TPK: 2D66C2
TAKs sob LMK:UC3980C1FA678CBECB1B0B0C6BF905189
TAKr sob LMK:U221159822BEC80B177D292005F20DCB8
TAKs sob KEK: H8D5C26B2687F5A4805DE2EA05789ECE9
TAKr sob KEK:H5E933F6802C36FC31A71DFBF45481E79
KCV of TAKs: C0B4B8
KCV de TAKr:910A49
TEXT bro LMK:U8261BE1B0BABCE128F5B01DE5CC40B98
TEKr sob LMK: U5CB533A83C3AB17F0E85FE11BE16AA9B
TEKs sob KEK: H14F29CBB9FBF9E2A87130348F2FB5C33
TEKr sob KEK: H129C77D9C3F8373B62198AE6505F91C9
KCV de TEKs: 647 EEB
KCV of TEKr:C4D177
DES operation count: 2

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Translate PIN lock

This function converts an encryption PIN block to a PIN encryption key (KPE) to encryption to a zone PIN key (ZPK). The KPE is derived from a Terminal Key PIN (TPK) and two other values, the System Tracking Audit Number (STAN) and the transaction amount.

The zone PIN key (ZPK) must always be provided in hexadecimal digits (0-9 | A-F) and the allowed key length is 32. The key is encrypted under variant 0 of LMK pair 06-07.

The terminal PIN key (TPK) must always be provided in hexadecimal digits (0-9 | A-F) and the allowed key length is 32. The key is encrypted under variant 0 of the LMK pair 14-15.

Received and replied PIN block formats must be a valid PIN block format code (eg 01, 46).

The ReceivedPIN block is encrypted in KPE.

Account number provided with last 12 digits of PAN, except check amount (12N).

The following diagram demonstrates PIN Block translation from KPE to ZPK and conversion between PIN Block formats.

AS2805: Translate PIN lock operation completed
****************************************
Sistema ZPK:U16B8E012BF7E66740E7314F50285D100
Terminal TPK:UA342F36E4DD5390FA48833B18AC7D3DE
STAN:000324
Transaction amount: 000000000328
No PIN Bl. Size:46
Drill PIN Bl. Format:1
Received PIN lock:449ECFEA9FBCFE4B
Account number:430300010094
—————————————-
Output PIN Lock: D191B5DC48D8FD0D

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MAC

The Message Authentication Code (MAC) is generated using Terminal Authentication Key (TAK) according to the method defined in AS2805.4 (1985). It takes double-length MAC key and applies the procedure on hexadecimal data provided in the Data field.

The key (TAK) must always be provided in hexadecimal digits (0-9 | A-F) and the allowed key length is 32. Note that the input key is in its plain (unencrypted) form.

AS2805: MAC operation completed
****************************************
Chave:9486EB87AC3A4FDD9325A70B97D7D9F8
Dados: 02107238000102C000111670343010001006660000000000000000000912065731000092155726091206703400393138303030303230343030303133 3030393733342020202030323903010000000000020202020202020200000000000000000020000000000
—————————————-
Encrypted MAC: 2DFF2261

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OWF

The Unidirectional Function (OWF) is a backbone of AS2805 and is used in most of the previous key generation functions. The CCALC implementation complies with the AS2805.5.4 standard as described below.

  • Let K be a DES key and let D be a block of data, of arbitrary size, n bits.
  • If n is not a multiple of 64, append a single binary '1' followed by as many binary zeros as needed to make the data a multiple of 64 bits (possibly none).
  • Let D* denote the padded data.

The key (TAK) must always be given in hexadecimal digits (0-9 | A-F) and the allowed key length is 32. The key is in its plain (unencrypted) form.

AS2805: Completed OWF calculation
****************************************
Key: 23232323232323234545454545454545
Dados: 33334444555566667777888899991111AAAAAAAABBBBB
—————————————-
OWF calculado: 5026FC017850298D6A037A566251AF84A905F282FEE94
KCV de TEKs: 647 EEB
KCV of TEKr:C4D177
DES operation count: 2

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Mapa de bits ISO8583

Support for preparing ISO8583 bitmap. Parses bitmap (hexadecimal data) into bits and builds a bitmap from the supplied binary data. The screen reacts to Enter on bitmap input and also to each bit checkbox mark. NOTE: The algorithm detects the first bit to be set to indicate the presence of secondary bitmap according to the ISO8583 standard.

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card validation

CVVs

Card Verification Values ​​– This screen provides facility to generate and validate all major card not present (CNP) values ​​– CVV/iCVV/CVV2(CVC2)/dCVV.

The card verification key pair (CVK A/B) must always be provided in hexadecimal digits (0-9 | A-F) and the allowed key length is 32H.

Main account number (PAN) according to ISO/IEC 7812.

To generate

CNP: Generate Completed Check Value Operation
****************************************
CVK A/B:0123456789ABCDEFFEDCBA9876543210
PAN:4999988887777000
Expiration date: 9105
Service code: 101
—————————————-
Verification value: 539

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Validate

CNP: check value validation operation completed
****************************************
CVK A/B:0123456789ABCDEFFEDCBA9876543210
Val. card verification: 539
PAN:4999988887777000
Expiration date: 9105
Service code: 101
—————————————-
Validation status: OK

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AMEX CSCs

Card Security Code (AMEX) – This screen provides facility to generate and validate CSC version 1 and version 2. Version 2 supports the following verification value types:

  • CSC
  • Card with magnetic stripe only
  • Contact/contactless chip card
  • iCSC contact chip
  • iCSC contactless chip

The CSC key must always be provided in hexadecimal digits (0-9 | A-F) and the allowed key length is 32H.

Main account number (PAN) according to ISO/IEC 7812.

To generate

AMEX CSC: Generate security code operation complete
****************************************
Chave CSC: 0123456789ABCDEFFEDCBA9876543210
PAN: 371234567890123
Expiration date: 9912
Service code: 702
Value type: CSC
—————————————-
CSC-5: 21334
CSC-4: 5068
CSC-3: 221

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Validate

AMEX CSC: Security Code Validation Operation Completed
****************************************
Chave CSC: 0123456789ABCDEFFEDCBA9876543210
CSC-5:21334
CSC-4:5068
CSC-3:221
PAN: 371234567890123
Expiration date: 9912
Service code: 702
Value type: CSC
—————————————-
CSC-5 Validation: APPROVED
CSC-4 Validation: APPROVED
CSC-3 Validation: APPROVED

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Dynamic MasterCard CVC3

Card Verification Value (MasterCard) – This screen provides facility to generate and validate dynamic values ​​of CVC3 and PIN-CVC3.

The IMK key must always be provided in hexadecimal digits (0-9 | A-F) and the allowed key length is 32H.

Main account number (PAN) according to ISO/IEC 7812.

To generate

MasterCard dynamic CVC3: Generate verification code completed
****************************************
Chave IMK: 01234567899876543210012345678998
PAN: 5413123456784808
PAN Seq. N.:
Range 1/2: 00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
Unpredictable No.: 00000899
ATC: 005E
Type: Dynamic CVC3
——————–
Derived Key: 462FC416E0E93D042CD0B00731AB4637
Parity: ODD
KCV Derivative Key: AF59
—————————————-
dynamic CVC3: 33204

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Validate

MasterCard dynamic CVC3: completed verification code validation operation
****************************************
Chave IMK: 01234567899876543210012345678998
PAN: 5413123456784808
PAN Seq. N.:
Range 1/2: 00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
Unpredictable No.: 00000899
ATC: 005E
Type: Dynamic CVC3
——————–
Derived Key: 462FC416E0E93D042CD0B00731AB4637
Parity: ODD
KCV Derivative Key: AF59
—————————————-
dynamic CVC3: 33204
dynamic CVC3: OK

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DUKPT

DUKPT (ISO 9797)

DUKPT panels consist of tabs following ISO-9797 – IPEK derivation, PEK derivation, PIN encryption and MAC encryption. The method described in ISO-9797 uses Initial Pin Encryption Key (PEK) and Pin Encryption Key (PEK) to encrypt PIN block encryption with unique key per transaction as well as using variant of this key for MAC generation on the transaction data provided.

PEK derivation

The derivation functions IPEK and PEK are the first available options. These require Base Derivation Key (BDK) and Key Serial Number (KSN), or IPEK & KSN for PEK derivation, as input parameters. The BKD and IPEK keys are expected to be entered in their hexadecimal format and need to be twice as long. The KSN has hexadecimal digits (0-9 | A-F) and the input length must be 20 characters.

DUKPT: PEK shunt complete
****************************************
BDK:C1D0F8FB4958670DBA40AB1F3752EF0D
KSN:FFFF9876543210E10004
—————————————-
SILK derivado:74E912996F1245CC1CF6F5C1E02FD05A
KCV: 18DCD7
PEK derivado: 4EC2A2974ECA53F5691E5273963EBE5C
KCV: 3C2BEF

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DUKPT PIN

The DUKPT PIN screen allows encryption/decryption of the PIN block with a PEK key. The input values ​​are similar to the previous screens, just note that the PEK entered will be XOR-ed with a value of 00000000000000FF 00000000000000FF (see ANSI X9.24-2004 Appendix A, A.5, page 42) as part of the processing. Therefore, there is no need to do this operation in advance (it would exactly negate the previous change).
Cryptography:

DUKPT: PIN operation complete
****************************************
PEK:93A497589EBE6781DE37D2CBBDE5D436
Bloqueio PIN:04124389999AAAAB
—————————————-
PIN criptografado: 23CB4612E05DE24D

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Decryption:

DUKPT: PIN operation complete
****************************************
PEK:93A497589EBE6781DE37D2CBBDE5D436
Bloco de PIN: 23CB4612E05DE24D
—————————————-
PIN decodificado: 04124389999AAAAB

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DUKPT MAC

The DUKPT MAC screen uses the BDK, KSN and Data fields and generates ANSI X9.24-2004 MAC with padding option 1. It is expected that all input fields are in hexadecimal format with their appropriate lengths (single/double DEA/ triple). Note that the data field length is limited to 8120 characters. The 3DES switch serves to indicate whether the last cryptographic operation applied on the hash value should be single or triple DES (default).

The PEK value entered will be XOR-ed with the value 000000000000FF00 00000000000FF00 (see ANSI X9.24-2004 Appendix A, A.5, page 42) as part of the processing.

DUKPT: MAC operation complete
****************************************
PEK:4EC2A2974ECA53F5691E5273963EBE5C
Dados:30313030f23e069529e08180000000003030373035373030333030333030303939333030303939393939393939393939303632393133323632333030303030343 1 1 03 03 030373035373030333d31323132313132373735353131313131343030303030303030303930313131324c5437303633303130303030304c544c54373 036 3330305c5c4b616e74616c69736b6961695c3639343831202020202020204c5455202020202020202020203939393030343135313030303333333 031363 73430353130303036303030373035373031353231303130313231303134433130313030303637376000140000000000313030303030303030393 0314832 486e6455544420202020494453504c202020202020203030303030343030
—————————————-
MAC:01FE54357EF29DEA

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DUKPT data

The last screen provides facility to encrypt or decrypt data with current PEK key. The entered PEK value will be XORed with the data key variant of 0000000000FF0000 0000000000FF0000. (Unchecking the Data Variant checkbox will revert to 00000000000000FF 00000000000000FF).
And to have a high degree of isolation between the data encryption key and the PIN key, the data encryption key must in this case be processed by an OWF before use. The OWF defined here is that the derived variant value is encrypted using itself as the key.
Cryptography:

DUKPT: DATA operation finished
****************************************
PEK:4EC2A2974ECA53F5691E5273963EBE5C
KEY: A4E5BEF08AD403C9AFE3181E424CA0A4
Dados: 2542353435323330303535313232373138395E484F47414E2F5041554C2020202020205E3038303433323130303030303030373235303030303030 3F00000000
—————————————-
DADOS criptografados:900D314BF59C1E4A25BFD725E12E547F52EEFCFF5C4848591FF8ADB050ADF220E4745D3566503ADFA2A0ECC7D597F6B73D079928E27EFE1C1C59AC4F0A 99C9D 5

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Decryption:

DUKPT: DATA operation finished
****************************************
PEK:4EC2A2974ECA53F5691E5273963EBE5C
KEY: A4E5BEF08AD403C9AFE3181E424CA0A4
Dados:900D314BF59C1E4A25BFD725E12E547F52EEFCFF5C4848591FF8ADB050ADF220E4745D3566503ADFA2A0ECC7D597F6B73D079928E27EFE1C1C59AC4F0A99C9D5
—————————————-
DADOS Decodificados: 2542353435323330303535313232373138395E484F47414E2F5041554C2020202020205E30383034333231303030303030303732353030303030 303F00000000

DATA Decoded (binary):%B5452300551227189^HOGAN/PAUL ^08043210000000725000000?

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DUKPT (AES)

DUKPT panels consist of tabs following ANSI X9.24-3-2017 – IPEK derivation, PEK derivation, PIN encryption and MAC encryption.

The standard describes the AES DUKPT algorithm, which is used to derive key(s) from an initial terminal DUKPT key based on the transaction number.
Derived keys can be used for a variety of functions, such as encrypting PINs, data or other keys, deriving other keys, authenticating messages, etc.
AES DUKPT supports AES-128, AES-192, AES-256 and TDEA double and triple length key derivation from AES-128, AES-192 and AES-256 initial keys.

PEK derivation

The derivation functions IPEK and PEK are the first available options. These require Base Derivation Key (BDK) and Key Serial Number (KSN), or IPEK & KSN for PEK derivation, as input parameters. The BKD and IPEK keys are expected to be entered in their hexadecimal format. KSN has hexadecimal digits (0-9 | A-F) and input length must be 16-24 characters.

DUKPT (AES): Job Key Derivation Done
****************************************
BDK: FEDCBA9876543210F1F1F1F1F1F1F1F1
KSN: 123456789012345600000005
—————————————-
Chave inicial: 1273671EA26AC29AFA4D1084127652A1
KSN (working): 123456789012345600000005
Transaction Counter: 00000005
Initial Key ID: 1234567890123456
—————————————-
PIN encryption key: 35A43BC9EFEB09C756204B57E3FB7D4D
Auto Message Key Gen.: 0588185FE1FF8C7E22FAD78C1C61F065
Mensagem out. Ver. Chave: 75923E6509A80723C60DB75884F4C984
M. Aut. Chave de ambas as vias: 082FAFAAC478050328DE6F3725EFE4B4
Date Encr. Encryption key: CA02DF6F30B39E14BD0B4A30E460920F
Data Encr. Chave de descriptografia: 666F64FBA90777C17DF22C0BF2D1142F
D. Encr. Chave de ambas as vias: 948BE71B8C8DD81362C88061D462A946
Key encryption key: 507838E817F32B6D75151FC9E8EF1A80
Key Bypass Switch: E61C7FB544669AF1E49D8264FF8E3979

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DUKPT PIN

The DUKPT PIN screen allows encryption/decryption of the PIN block with a PEK key.
Cryptography:

DUKPT (AES): PIN operation complete
****************************************
PEK: 35A43BC9EFEB09C756204B57E3FB7D4D
PIN Lock: 04124389999AAAABAAAAAAAAAAAAAAAAAAA
—————————————-
Encrypted PIN: AD444123078A462677E5718CDD833280

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Decryption:

DUKPT (AES): PIN operation complete
****************************************
PEK: 35A43BC9EFEB09C756204B57E3FB7D4D
PIN Lock: AD444123078A462677E5718CDD833280
—————————————-
Decoded PIN: 04124389999AAAABAAAAAAAAAAAAAAAAAAA

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DUKPT MAC

The DUKPT MAC screen uses the BDK, KSN and Data fields and generates ANSI X9.24-3-2017 MAC. All input fields are expected to be in hexadecimal format with their appropriate lengths. Note that the data field length is limited to 8120 characters.

DUKPT (AES): MAC operation complete
****************************************
Chave MAC: 0588185FE1FF8C7E22FAD78C1C61F065
Dados: 30313030f23e069529e081800000000030303730353730303330303330303039393303030393939393939393939393939303632393133323632333303030303034 3 13332363233303632393132313230363239303231303031343143303030303030303043303030303030303030303034313031353337373430353130303036 30 3030373035373030333d31323132313132373735353131313131343030303030303030303930313131324c5437303633303130303030304c544c5437 303 63330305c5c4b616e74616c69736b6961695c3639343831202020202020204c545520202020202020202039393930303431353130303033333330 3136 3734303531303030363030303730353730313532313031303132313031344331303130303036373760001400000000003130303030303030303930 31483 2486e6455544420202020494453504c202020202020203030303030343030
—————————————-
MAC: 91F061EDC15B3EBC

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DUKPT data

The last screen provides facility to encrypt or decrypt data with current PEK key.
Cryptography:

DUKPT (AES): DATA operation finished
****************************************
DEK: CA02DF6F30B39E14BD0B4A30E460920F
Dados: 900D314BF59C1E4A25BFD725E12E547F52EEFCFF5C4848591FF8ADB050ADF220E4745D3566503ADFA2A0ECC7D597F6B73D079928E27EFE1C1C59AC4F0A99C9D5
—————————————-
DATA encrypted (hexdec): C5ECF7D9A76A37B1D352148DA24FB85018D7D9F00ACC2918CAAD0B3F856449620283BF26EA7DE5F71695BBF03545654161CAD5C17E0B9B03688986F1 C8F043B6

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Decryption:

DUKPT (AES): DATA operation finished
****************************************
DEK: CA02DF6F30B39E14BD0B4A30E460920F
Dados: C5ECF7D9A76A37B1D352148DA24FB85018D7D9F00ACC2918CAAD0B3F856449620283BF26EA7DE5F71695BBF03545654161CAD5C17E0B9B03688986F1C8F043B6
—————————————-
DADOS Decodificados (hexdec): 900D314BF59C1E4A25BFD725E12E547F52EEFCFF5C4848591FF8ADB050ADF220E4745D3566503ADFA2A0ECC7D597F6B73D079928E27EFE1C1C59AC4F0 A99C9D5
DADOS Decodificados (ASCII): 900D314BF59C1E4A25BFD725E12E547F52EEFCFF5C4848591FF8ADB050ADF220E4745D3566503ADFA2A0ECC7D597F6B73D079928E27EFE1C1C59AC4F0A 99C9D5

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MAC algorithms

ISO/IEC 9797-1

The ISO/IEC 9797-1 MACs screen supports MAC generation algorithms specified in ISO-9797-1. The supported algorithms are:

  • MAC Algorithm 1 (CBC-MAC)
  • MAC algorithm 2
  • MAC 3 algorithm (varejo MAC)
  • MAC 4 algorithm
  • MAC 5 algorithm (CMAC)
  • MAC 6 algorithm

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ANSI X9.9 and X9.19

ANSI X9.9 (Wholesale MAC)

The ANSI X9.9 MAC screen is for message authentication code (MAC) generation as described in the ANSI X9.9 specification. This is a fairly old retail banking technique that still proves to be very fast and protects data consistency along its path between the POS and the transaction acquirer.

Screen gets single-length DEA ​​cryptographic key and hexadecimal data and MAC outputs.

ANSI MAC operation completed
****************************************
Algorithm: ANSI MAC X9.9 (MAC Attack)
Chave (K): 0123456789ABCDEF
Dados: 4E6F77206973207468652074696D6520666F7220616C6C20
Data (populated): 4E6F77206973207468652074696D6520666F7220616C6C20
Truncation: 4
—————————————-
MAC: 70A30640CC76DD8B
Truncated MAC: 70A30640

ANSI X9.19 (Retail MAC)

ANSI X9.19 is yet another banking standard created by the ANSI X9 working group and published by the American Bankers Association. X9.19 is essentially an update of ANSI X9.9, with some minor changes to handle the switch from wholesale banking in X9.9 to retail banking in X9.19.

The ANSI X9.19 MAC generator uses ANSI 9.19 (ISO/IEC 9797-1, algorithm 3) with padding method algorithm 1 to generate message authentication code in the payments industry. It takes two single-length DEA ​​keys and applies the procedure described in ANSI X9.19 MAC on the hexadecimal data provided in the Data field.

ANSI MAC operation completed
****************************************
Algorithm: ANSI MAC X9.19 (Retail MAC)
Chave (K): 0123456789ABCDEF
Chave (K'): FEDCBA9876543210
Dados: 4E6F77206973207468652074696D6520666F7220616C6C20
Data (populated): 4E6F77206973207468652074696D6520666F7220616C6C20
Truncation: 4
—————————————-
MAC: A1C72E74EA3FA9B6
MAC truncado: A1C72E74

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AS2805.4.1

The AS2805 MAC screen supports two MAC algorithms specified in AS2805.4.1 (MAC Method 1)

    • MAC Method 1

MAC AS2805.4.1 operation completed
****************************************
Algorithm: AS2805.4.1 MAC Method 1
Chave (K): 0123456789ABCDEFFEDCBA9876543210
Dados: 4E6F77206973207468652074696D6520666F7220616C6C20
Data (populated): 4E6F77206973207468652074696D6520666F7220616C6C20
Truncation: 4
—————————————-
MAB: 93462A6DB9B4A4D1
MAC: 93462A6D

    • MAC Method 2 (same as ISO9797-1 MAC Algorithm 3)

MAC AS2805.4.1 operation completed
****************************************
Algorithm: AS2805.4.1 MAC Method 2
Chave (KL): 0123456789ABCDEF
Chave (KR): FEDCBA9876543210
Dados: 4E6F77206973207468652074696D6520666F7220616C6C20
Data (populated): 4E6F77206973207468652074696D6520666F7220616C6C20
Truncation: 4
—————————————-
MAB: A1C72E74EA3FA9B6
MAC: A1C72E74

BP-Tools: Crypto Calculator - Payments Menu - EFTLab - Innovative Payment Technologies (2023) (26)

TDES CBC-MAC

TDES CBC-MAC – A Cipher Block Chaining Message Authentication Code (CBC-MAC) is a technique for building a message authentication code from a block cipher. The message is encrypted with some block cipher algorithm in CBC mode to create a chain of blocks such that each block relies on proper encryption of the previous block. This interdependence ensures that a change to any one of the plaintext bits will cause the final encrypted block to be altered in a way that cannot be predicted or counteracted without knowing the key to the block cipher.

TDES MAC operation completed
****************************************
Algorithm: TDES CBC-MAC
Chave (K): 0123456789ABCDEFFEDCBA9876543210
Filling: ISO9797-1 (filling method 1)
Dados: 4E6F77206973207468652074696D6520666F7220616C6C20
Data (populated): 4E6F77206973207468652074696D6520666F7220616C6C20
Truncation: 4
—————————————-
MAC: 93462A6DB9B4A4D1
MAC truncado: 93462A6D

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HMAC

In cryptography, an HMAC (sometimes expanded as key-hashed message authentication code or hash-based message authentication code) is a specific type of message authentication code (MAC) involving a cryptographic hash function and a cryptographic key. secret. Like any MAC, it can be used to simultaneously verify the data integrity and authenticity of a message.
HMAC can be used with any iterative cryptographic hash function, eg MD5, SHA-1, in combination with a shared secret key.

The cryptographic strength of HMAC depends on the properties of the underlying hash function.

HMAC SHA-256: completed operation
****************************************
Chave: 0123456789ABCDEFFEDCBA9876543210
Dados: 4E6F77206973207468652074696D6520666F7220616C6C20
—————————————-
HMAC: 4B9C609944D6F0F7C3AAC555EBDB5420048CC1123E7F113AAD781ABF290F18ED

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CMAC

CMAC (Cipher Based Message Authentication Code) is a block cipher based message authentication code algorithm. It can be used to ensure authenticity and therefore integrity of binary data. This mode of operation corrects the security shortcomings of CBC-MAC (CBC-MAC is only secure for fixed-length messages).

CMAC (AES): completed operation
****************************************
Chave: 2B7E151628AED2A6ABF7158809CF4F3C
Dados: 6BC1BEE22E409F96E93D7E117393172AAE2D8A571E03AC9C9EB76FAC45AF8E5130C81C46A35CE411E5FBC1191A0A52EFF69F2445DF4F9B17AD2B417BE66C3710
—————————————-
CMAC: 51F0BEBF7E3B9D92FC49741779363CFE

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Retail

On this screen you can manually simulate, using the combination of input parameters, the:

    • Wholesale MAC (ANSI X9.9)

Retail MAC operation completed
****************************************
Chave: 0123456789abcdefFEDCBA9876543210
Algorithm: OFF
Finish: None
Dados: 4E6F77206973207468652074696D6520666F7220616C6C20
—————————————-
MAC: 70A30640CC76DD8B

    • Retail MAC (ANSI X9.19)

Retail MAC operation completed
****************************************
Chave: 0123456789abcdefFEDCBA9876543210
Algorithm: OFF
Finish: 3DES
Dados: 4E6F77206973207468652074696D6520666F7220616C6C20
—————————————-
MAC: A1C72E74EA3FA9B6

    • TDES CBC MAC

Retail MAC operation completed
****************************************
Chave: 0123456789abcdefFEDCBA9876543210
Algorithm: 3DES
Finish: None
Dados: 4E6F77206973207468652074696D6520666F7220616C6C20
—————————————-
MAC: 93462A6DB9B4A4D1

BP-Tools: Crypto Calculator - Payments Menu - EFTLab - Innovative Payment Technologies (2023) (30)

PIN locks

General PIN Locks

BP-CryptoCalc handles PIN block encryption and decryption for all common PIN block formats:

  • Format 0 (ISO-0)
  • Format 1 (ISO-1)
  • Format 2 (ISO-2)
  • Format 3 (ISO-3)
  • Format 4 (ISO-4)
  • ANSI X9.8
  • Docutel & Diebold & NCR ATMs
  • ECI-1
  • ECI-2
  • ECI-3
  • ECI-4
  • IBM 3621
  • IBM 3624
  • IBM 4704 Encrypted PIN Pad
  • IBM 5906
  • VISA-1
  • VISA-2
  • VISA-3
  • VISA-4
  • Europay/MasterCard (Pay now and later)

The first option chooses a format. Other input fields are Master Account Number (PAN) and Personal Identification Number (PIN) for encryption operation, where PIN Blocking and PAN fields are required for decryption operation. PAN field length is limited to numbers and size 13..19, PIN field takes 4 to 12 digits and PIN block takes only 16 hexadecimal values. For some algorithms, the Padding character is required.

Encode

PIN locks: PIN block encryption operation completed
****************************************
PAN:43219876543210987
PIN:1234
—————————————-
Clear PIN Lock:0412AC89ABCDEF67

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decode

PIN blocks: PIN block decoding operation completed
****************************************
PIN lock:0412AC89ABCDEF67
PAN:43219876543210987
—————————————-
Decoded PIN: 1234

BP-Tools: Crypto Calculator - Payments Menu - EFTLab - Innovative Payment Technologies (2023) (32)

PIN Lock AES

Encryption AES (Advanced Encryption Standard) OLP 4 format. This screen provided the encryption and decryption of PIN Block 4 format.

AES OLP PIN Block Format 4 operation completed
****************************************
Key: C1D0F8FB4958670DBA40AB1F3752EF0D
PIN: 56798
Bloco PIN: 4556798AAAAAAAAAC8BC2AE3BAAAB916
PAN: 432198765432109870
PAN block: 64321987654321098700000000000000
Modo: AES-ECB
—————————————-
Intermediate Block A:235CF89BDD6D9EA9A7DBEC50A583AA7C
Intermediate Block B:476EE11CB82EBFA020DBEC50A583AA7C
—————————————-
Encrypted PIN Lock:31A033E822A05EACEF025611999014B4

AES OLP PIN Block Format 4 operation completed
****************************************
Key: C1D0F8FB4958670DBA40AB1F3752EF0D
Bloco PIN: 31A033E822A05EACEF025611999014B4
PAN: 432198765432109870
PAN block: 64321987654321098700000000000000
Modo: AES-ECB
—————————————-
Intermediate Block B:476EE11CB82EBFA020DBEC50A583AA7C
Intermediate Block A:235CF89BDD6D9EA9A7DBEC50A583AA7C
—————————————-
Decoded PIN block: 4556798AAAAAAAAAC8BC2AE3BAAAB916
PIN: 56798
PAN: 432198765432109870

BP-Tools: Crypto Calculator - Payments Menu - EFTLab - Innovative Payment Technologies (2023) (33)

PIN Offset (IBM Method 3624)

Detour

To allow the customer to select their own PIN, a PIN offset is used by the IBM 3624 PIN generation algorithm to match the customer-selected PIN to the generated PIN.

The PIN offset generation algorithm requires two parameters in addition to those used in the 3624 PIN generation algorithm. They are a customer-selected PIN and a 4-bit PIN verification length. The PIN length selected by the customer is the same as the assigned PIN length.

The offset data value is the result of subtracting (modulo 10) the leftmost n digits of the intermediate PIN from the PIN selected by the customer.

PIN Offset (IBM Method 3624): PIN Offset Derivation Completed
****************************************
PVK: 0123456789ABCDEFFEDCBA9876543210
PAN: 1234567899876543
PIN: 3196
Decimalization table: 0123456789012345
Validation data: 0000000N0000
—————————————-
Intermediate PIN: 3196
PIN Offset: 0000

BP-Tools: Crypto Calculator - Payments Menu - EFTLab - Innovative Payment Technologies (2023) (34)

PIN

The functionality of this screen generates an n-digit PIN based on the 3624 PIN generation algorithm. Inputs are Pin Bypass Key, PAN, PIN, and Decimalization Table. The assigned PIN offset length parameter is hardcoded = 4.

PIN Offset (IBM Method 3624): PIN Offset Validation Completed
****************************************
PVK: 0123456789ABCDEFFEDCBA9876543210
PAN: 1234567899876543
PIN Offset: 0000
Decimalization table: 0123456789012345
PAD caractere: F
—————————————-
Native PIN: 3196
PIN: 3196

BP-Tools: Crypto Calculator - Payments Menu - EFTLab - Innovative Payment Technologies (2023) (35)

PVP PIN Calculator

The VISA method generates a PIN Verification Value (PVV). Similar to the compensation amount, it can be stored in the card's tracking data or in a database at the card issuer. This is called a reference PVV.

The VISA method takes the rightmost eleven digits of the PAN excluding the checksum value, a PIN validation key index (PVKI, chosen from one to six), and the PIN value needed to form a 64-bit number , PVKI selects a validation key (PVK , 128-bit) to encrypt that number. From this encrypted value, the PVV is found.

To validate the PIN, the issuing bank calculates a PVV value from the entered PIN and PAN and compares this value with the reference PVV. If the reference PVV and calculated PVV match, the correct PIN has been entered.

Unlike the IBM method, the VISA method does not derive a PIN. The PVV value is used to confirm the PIN entered in the terminal, it was also used to generate the PVV reference. The PIN used to generate a PVV can be randomly generated or selected by the user or even derived using the IBM method.

This algorithm generates a 4-digit PVV. Inputs are Pin Derivation Key, PAN, PIN, and PIN Verification Key Indicator (PVKI). The assigned PVV length parameter is coded = 4.

PvP

PVV PIN: PVV PIN derivation completed
****************************************
PVK: 0123456789ABCDEFFEDCBA9876543210
PAN:1234567899876543
PIN:1234
PVKI:1
—————————————-
PVP:9365

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PIN

PVV PIN: PIN extraction completed
****************************************
PVK: 0123456789ABCDEFFEDCBA9876543210
PAN:1234567899876543
PVP:9365
PVKI:1
—————————————-
PIN:1234

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visa certificates

Processing of VISA Certificates

Issuer Signature Request Validation – Parses the data in the provided file, decodes the self-signed certificate, and validates the certificate signature.
Signed issuer public key data validation - parses the data in the provided file, decodes the signed issuer public key data, and validates the certificate signature with CA PK.

Validate issuer signature request

Issuer certificate validation
****************************************
Reading the CA public key file
—————————————-
File: None
Header: 22
Sender PK Length Module: B0(1408)
Modulo PK Emissor: E103EC0217E385D60E3C470893DA4AD73A7EE32E20128D6C993EE2D7CB5C1072CC7E13D262AC0F1099D3A8FCBAB8EE1100B021D3FAE183F367443E5D6E2F 33 9C7616160F7A22CD10E9DA263F734B1164AACD2D47579AD1F1338813AFD851D0CA3171B70C6E4C860766827BBCDDD2CAB8907078051A39AFFAEED25624D635F54E4C80 12CB 96D9983C17D7B2E08871B2E069C67918CEE508F89F56585F57ECF2896B5CF3B57DC48AB08D69366769D6D07D1
PK Issuer Length Exponent: 01(8)
Exponent PK Issuer: 03
Tracking Number: 982189
Dados Inc: AFB775FA5C596F9A5105D82399682C8C7E7F4D63ED51DB500409AC3DEF0546B740E9339657A2F2B90A82BC8ABFBD935FF1EABDDF1E091FA0DE6314B4CBEFC326F46FA7 63 1021D90E96B2A32F38B242E852B7DE54A0B6A2C9D1D08624262BB00B02D00A88ED417B193EAB6A15EBA8F3286F0F59C00AFE6E9DC50E15AFF480EAF06A1B3A09A 5E5 703050ED8F6FCEA96A4EF4E6C9BDDD8661FF4BD4929A364D700C6F9874A2EC5695DEE8EC9F2255973CE
Dados of hash: AFB775FA5C596F9A5105D82399682C8C7E7F4D63ED51DB500409AC3DEF0546B740E9339657A2F2B90A82BC8ABFBD935FF1EABDDF1E091FA0DE6314B4CBEFC326F46FA 763 1021D90E96B2A32F38B242E852B7DE54A0B6A2C9D1D08624262BB00B02D00A88ED417B193EAB6A15EBA8F3286F0F59C00AFE6E9DC50E15AFF480EAF06A1B3A09 A5E5 703050ED8F6FCEA96A4EF4E6C9BDDDD8661FF4BD4929A364D700C6F9874A2EC5695DEE8EC9F2255973CE
Dados of dezembro: 231010000002445513FF12229821890101B001E103EC0217E385D60E3C470893DA4AD73A7EE32E20128D6C993EE2D7CB5C1072CC7E13D262AC0F1099D3 A8FCBA B8EE1100B021D3FAE183F367443E5D6E2F339C7616160F7A22CD10E9DA263F734B1164AACD2D47579AD1F1338813AFD851D0CA3171B70C6E4C860766827BBCDDD2C AB890 7078051A39AFFAEED25624D635F54E4C8012CB96D9983C10337D171620210D61A00032B667B80F68F271B35AF
—————————————-
Validating self-signed issuer public key data
—————————————-
Header: 23
Service identifier: 10100000
Certificate Format: 02
Expiration date: 1222
Tracking Number: 982189
ID do Algoritmo Hash: 01
ID do Algoritmo PK: 01
Sender PK Length Module: B0(1408)
PK Issuer Length Exponent: 01(8)
PK Portfolio comes to esquerda: E103EC0217E385D60E3C470893DA4AD73A7EE32E20128D6C993EE2D7CB5C1072CC7E13D262AC0F1099D3A8FCBAB8EE1100B021D3FAE183F367443E 5D6E2F339 C7616160F7A22CD10E9DA263F734B1164AACD2D47579AD1F1338813AFD851D0CA3171B70C6E4C860766827BBCDDD2CAB8907078051A39AFFAEED25624D635F54 E4C8012CB9 6D9983C1
Speaker: 03
Hash: 37D171620210D61A00032B667B80F68F271B35AF
Passed hash validation
—————————————-
Result: successful validation

BP-Tools: Crypto Calculator - Payments Menu - EFTLab - Innovative Payment Technologies (2023) (38)

Validate Signed Issuer Public Key Data

Validation of the data file signed by the issuer
****************************************
Reading the issuer's public key certificate
—————————————-
File: None
Header: 20
Service identifier: 10100000
Length module PK CA:B0(1408)
PK Length Exponent CA:01
ID do Algoritmo PK: 01
RID: A000000003
PKI: 92
Modulo PK CA: 996AF56F569187D09293C14810450ED8EE3357397B18A2458EFAA92DA3B6DF6514EC060195318FD43BE9B8F0CC669E3F844057CBDDF8BDA191BB64473BC8DC9A7 3 0DB8F6B4EDE3924186FFD9B8C7735789C23A36BA0B8AF65372EB57EA5D89E7D14E9C7B6B557460F10885DA16AC923F15AF3758F0F03EBD3C5C2C949CBA306DB44E6A2C 07 6C5F67E281D7EF56785DC4D75945E491F01918800A9E2DC66F60080566CE0DAF8D17EAD46AD8E30A247C9F
Exponent PK CA:03
Hash: 429C954A3859CEF91295F663C963E582ED6EB253
Dados Enc: 7D639B3ACAFB00DF0E25CB760CF28E25309E3E3D9C863521F68473F5506C1BF9303E84AEF9E807BCE9BA024C4972643F300A82F0275E06C94461964007F 9D 87DEA36C12450EDC27B5AAF455AA492A2996FD72EE15DF488464B06C0BCC6D9A63B9A7463409EF019E5F074C62C33F85C192913DEE3B4A05AE7E3021A6DD36E1D2 5B40 2B49680A5FE8B041EAB95A79DA58DC1D5249A2C69A86A18CA6ED8B8D242BD46956F62CED5020D8BBD4F4799B72CA8
Dados Dez: 2110100000A00000000392122201996AF56F569187D09293C14810450ED8EE3357397B18A2458EFAA92DA3B6DF6514EC060195318FD43BE9B8F0CC669E3F84 4 057CBDDF8BDA191BB64473BC8DC9A730DB8F6B4EDE3924186FFD9B8C7735789C23A36BA0B8AF65372EB57EA5D89E7D14E9C7B6B557460F10885DA16AC923F15AF3758F0F0 3 EBD3C5C2C949CBA306DB44E6A2C076C5F67E281D7010103429C954A3859CEF91295F663C963E582ED6EB253

Validating self-signed CA public key data
—————————————-
Header: 21
Service identifier: 10100000
RID: A000000003
PKI: 92
Expiration date: 1222
PK CA Length Exponent: 01
ID do Algoritmo Hash: 01
ID do Algoritmo PK: 01
Ponto mais à esquerda: 996AF56F569187D09293C14810450EEEEEEEEEEEEEEEEEEDE337397B18A2458FAA92DA3B6DF6514EC06605318F4B8F0F0F0F0F0F0C6666666666666666 66666666666SER DC9A730DB8F6B4DE3924186FD9B8C7735789C23A36BA0B8AF65372B57EATIOND89E7D14E9C7B557460F1085DA16AC92F1F15AF3F33F3F57460F10850 A2 C07
Hash: 429C954A3859CEF91295F663C963E582ED6EB253
Entrada de hash: A00000000392996AF56F569187D09293C14810450ED8EE3357397B18A2458EFAA92DA3B6DF6514EC060195318FD43BE9B8F0CC669E3F844057CBDDF8BDA191BB6 447 3BC8DC9A730DB8F6B4EDE3924186FFD9B8C7735789C23A36BA0B8AF65372EB57EA5D89E7D14E9C7B6B557460F10885DA16AC923F15AF3758F0F03EBD3C5C2C949CBA3 06DB 44E6A2C076C5F67E281D7EF56785DC4D75945E491F01918800A9E2DC66F60080566CE0DAF8D17EAD46AD8E30A247C9F03
Passed hash validation
Completed Reading

Reading issuer certificate output file
—————————————-
File: None
Header: 24
Service identifier: 10100000
Issuer identification number: 445513FF
Certificate serial number: 033524
Certificate expiration date: 1222
Remaining Length GPA: 24
IPK Restante: 871B2E069C67918CEE508F89F56585F57ECF2896B5CF3B57DC48AB08D69366769D6D07D1
IPK Exponent Length: 01
Exponent IPK: 03
AC PK Index: 92
Dados Enc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
Completed Reading

Validating Signed Issuer Public Key Data
—————————————-
6A02445513FF12220335240101B001E103EC0217E385D60E3C470893DA4AD73A7EE32E20128D6C993EE2D7CB5C1072CC7E13D262AC0F1099D3A8FCBAB8EE1 100B 021D3FAE183F367443E5D6E2F339C7616160F7A22CD10E9DA263F734B1164AACD2D47579AD1F1338813AFD851D0CA3171B70C6E4C860766827BBCDD2CAB890707 8051A 39AFFAEED25624D635F54E4C8012CB96D9983C17D7B2E081437ACD494A38DE22C54FF26D1A5845AF90FB280BC
Header: 6A
Certificate Format: 02
Issuer identification number: 445513FF
Certificate expiration date: 1222
Certificate serial number: 033524
ID do Algoritmo Hash: 01
ID do Algoritmo PK: 01
Issuer PK Length: B0(1408)
Length Exponent PK Issuer: 01
Certificado PK do emissor: E103EC0217E385D60E3C470893DA4AD73A7EE32E20128D6C993EE2D7CB5C1072CC7E13D262AC0F1099D3A8FCBAB8EE1100B021D3FAE183F367443E5D6E2 F339C 7616160F7A22CD10E9DA263F734B1164AACD2D47579AD1F1338813AFD851D0CA3171B70C6E4C860766827BBCDDD2CAB8907078051A39AFFAEED25624D635F54E4C8 012CB96 D9983C17D7B2E08
Hash: 1437ACD494A38DE22C54FF26D1A5845AF90FB280
Trailer: BC
Entrada de hash: 02445513FF12220335240101B001E103EC0217E385D60E3C470893DA4AD73A7EE32E20128D6C993EE2D7CB5C1072CC7E13D262AC0F1099D3A8FCBAB8EE1100 B02 1D3FAE183F367443E5D6E2F339C7616160F7A22CD10E9DA263F734B1164AACD2D47579AD1F1338813AFD851D0CA3171B70C6E4C860766827BBCDDD2CAB890707805 1A39 AFFAEED25624D635F54E4C8012CB96D9983C17D7B2E08871B2E069C67918CEE508F89F56585F57ECF2896B5CF3B57DC48AB08D69366769D6D07D103
Passed hash validation

Validating highlighted signature
—————————————-
Dados Enc: 6328B88DDE26F91D6C4D3CA70331525DAF4AADAB187413BFDDD93BBE1C9C672C218928283F179B863A6962D38D5CC3AC1330707E3125E2B978997445ED8836 3 957DF9E170D86E992E5F57526F10C11904F37338A194678361F73611327282FD373C72B57C07D9778A89D83AAAA21B808D5AD69B91DE08A27DB4796185AAE582 3E 9B0007FE0ABBE2A44D924F2722896D704FA4F05B8D17856999274DDC7E74AAEABB96B33CFB79EE6E7B14B64FAE1A3EC
December data: 0001FFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFF FFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFF003021300906052B0E03021A05000 4149CCC96186581F10ED468ED76E78B3F4C97F7C244
Header: 00
Block format code: 01
Pre-enlightening characters: FFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFF FFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFF
Separator: 00
PKCS#1 Valor D Formato: 3021300906052B0E03021A05000414
Hash: 9CCC96186581F10ED468ED76E78B3F4C97F7C244
Entrada de hash: 2410100000445513FF033524122224871B2E069C67918CEE508F89F56585F57ECF2896B5CF3B57DC48AB08D69366769D6D07D10103926A02445513FF 12220 335240101B001E103EC0217E385D60E3C470893DA4AD73A7EE32E20128D6C993EE2D7CB5C1072CC7E13D262AC0F1099D3A8FCBAB8EE1100B021D3FAE183F36744 3E5D6E 2F339C7616160F7A22CD10E9DA263F734B1164AACD2D47579AD1F1338813AFD851D0CA3171B70C6E4C860766827BBCDD2CAB8907078051A39AFFAEED25624D635 F54E4C8 012CB96D9983C17D7B2E081437ACD494A38DE22C54FF26D1A5845AF90FB280BC
Passed hash validation
—————————————-
Result: successful validation

BP-Tools: Crypto Calculator - Payments Menu - EFTLab - Innovative Payment Technologies (2023) (39)

ZKA

German banks created their own standard very similar to the DUKPT. BP-CryptoCalc allows ZKA session key derivation and also PIN block encryption and decryption.

SK derivation

ZKA: Completed session key derivation
****************************************
MK:67676767676767672323232323232323
CM:00004D000341000000004D0003210000
Rnd: 0123456789ABCDEFFEDCBA9876543210
—————————————-
SK:38A4524C5823C2FE920220CE51E9610B
KCV: 4B9454

BP-Tools: Crypto Calculator - Payments Menu - EFTLab - Innovative Payment Technologies (2023) (40)

encrypt PIN

ZKA: PIN decode operation complete
****************************************
SK-pac:38A4524C5823C2FE920220CE51E9610B
Bloqueio PIN:04124389999AAAAB
—————————————-
Encrypted PIN: 9DBE4865B4D37F6D

BP-Tools: Crypto Calculator - Payments Menu - EFTLab - Innovative Payment Technologies (2023) (41)

PIN decoding

ZKA: PIN decode operation complete
****************************************
SK-pac:38A4524C5823C2FE920220CE51E9610B
Bloco PIN:9DBE4865B4D37F6D
—————————————-
PIN decodificado: 04124389999AAAAB

BP-Tools: Crypto Calculator - Payments Menu - EFTLab - Innovative Payment Technologies (2023) (42)

Summary

In this article, we have examined the Crypto Calculator functionality covered by the Payments Menu.

The cryptographic calculator and other tools covered in the BP-Tools package are designed to help and assist people in the payments industry in their daily tasks and make their work more effective. Our team would be grateful if you would suggest improvements to our apps or report a need for completely new functionality. Feedback from our users like this is exactly what drives its development and helps us share our experience with the general public.

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