PIN Control Parameters (PINPARM

after a successful PIN introduction. When this field reaches 0 the card is invalid for any interchange purpose.

• PINCP: PIN Control Parameters (PINPARM). 6 digits: If FC = 01 the two first digits represent the algorithm used to calculate PIN, where 00-09 mean private algorithm, 10-19 mean DEA and values 20 to 99 are reserved for future use by ISO/TC 68. Next 4 digits are PIN offset, a complementary value of PIN so customers can change their PIN, or PVV. If FC = 02 the first digit represents the algorithm used to calculate PIN, where 0 means private algorithm, 1 means DEA and values 2 to 9 are reserved for future use by ISO/TC 68. The second digit represents a key for the algorithm. Next 4 digits are PIN offset, a complementary value of PIN so customers can change their PIN, or PVV. If this field is not used a FS will be in place.

• IC: Interchange Control. 1 digit:

0: No restriction.

1: Not available for international interchange.

2-8: Limited interchange, only local use and under agreement.

9: Limited interchange, recommended for test cards.

• PANSR: PAN Service Restriction. 2 digits:

The first digit defines the type of account:

0: Associated account number not encoded on track.

1: Savings account.

2: Current or checking account.

3: Credit card account.

4: Generic or universal account.

5: Interest-bearing current or checking account.

6-8: Reserved for future use by ISO/TC 68.

9: Reserved for card issuer's internal use, not for interchange.

The second digit defines the service restrictions:

0: No restrictions.

1: No cash dispense.

2: No point of sale (POS) transaction.

3: No cash dispense and no POS transaction.

4: Authorization required.

5-7: Reserved for future use by ISO/TC 68.

8-9: Reserved for card issuer's internal use, only local use and under agreement.

• FSANSR: FSAN Service Restriction. 2 digits: Same values and meaning as for PANSR field.

• SANSR: SSAN Service Restriction. 2 digits: Same values and meaning as for PANSR field.

• ED: Expiry Date. 4 digits: YYMM. If this field is not used a FS will be in place.

• CSN: Card Sequence Number. 1 digit: Allows to distinguish among different cards with the same PAN. It is incremented by one unit in any additional card. If FC = 02 and a FS is in place it means that field ACSN is present.

• CScN: Card Security Number. 9 digits: The first digit represents the algorithm used to calculate a verification value to validate the information on the magnetic track against the embossed characters, where 0-4 are available for national use, 5-8 are available for international security methods given by ISO/TC 68, and 9 is reserved for private use. Next 8 digits are the verification value. If this field

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