Foreword

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This document was prepared by Technical Committee ISO/TC 68 Financial services, Subcommittee SC 2, Financial services, security.

This fourth edition cancels and replaces the third edition ( ISO 9564-2:2014 ), which has been technically revised.

The main changes are as follows:

in this revision, Rivest-Shamir-Adleman algorithm (RSA) can be also be used for PIN encryption during PIN issuance and change over open networks;
SM4 has been added as an additional 16-byte block cipher;
ECIES has been added as an option for offline PIN encryption to an IC card;
a new appendix has been added to provide guidance on using asymmetric techniques to transport an ephemeral symmetric PIN encryption key.

A list of all parts in the ISO 9564 series can be found on the ISO website.

Any feedback or questions on this document should be directed to the user’s national standards body. A complete listing of these bodies can be found at www.iso.org/members.html.

Introduction

This part of the ISO 9564 series specifies algorithms approved for the encipherment of personal identification numbers (PINs). The algorithms approved for the encipherment of PINs are:

triple data encryption algorithm (TDEA);
Rivest–Shamir–Adleman algorithm (RSA);
advanced encryption standard (AES);
ShāngMì 4 (SM4);
elliptic curve integrated encryption scheme (ECIES).

1 Scope

This document specifies approved algorithms for the encipherment of personal identification numbers (PINs).

2 Normative references

3 Terms and definitions

4 General

5 Triple data encryption algorithm (TDEA)

5.1 Definition of the TDEA algorithm

5.2 Use of the TDEA algorithm

6 RSA encryption algorithm

6.1 Definition of the RSA algorithm

6.2 Use of the RSA algorithm

7 AES encryption algorithm

7.1 Definition of the AES algorithm

7.2 Use of the AES algorithm

8 SM4 encryption algorithm

8.1 Definition of the SM4 algorithm

8.2 Use of the SM4 algorithm

9 ECIES algorithm

9.1 Definition of the ECIES algorithm

9.2 Use of the ECIES algorithm

Bibliography

ISO 9564-2:2025

Financial services. Personal Identification Number (PIN) management and security — - Part 2: Approved algorithms for PIN encipherment

Current

Published:

19 Aug 2025

1 Scope