Payment Card Tools

tools for engineers working in the Payment Card Industry

Basic calculators - basic cryptographic calculations and operations with binary data:

• DES Calculator - DES/3DES encryption/decryption
• AES Calculator - AES-128, AES-192, AES-256 encryption/decryption
• Bitwise Calculator - bitwise calculator (XOR, AND, OR, NOT)
• Base64 Calculator - Base64 decoder/encoder

Card Security Values - tools to work with Card Security/Verification Values:

• CVV calculator - basic card security values (CVV, CVC, CVV2, CVC2, iCVV) calculator
• CAVV decoder - Cardholder Authentication Verification Value decoder
• CAVV calculator - Cardholder Authentication Verification Value calculator (PA, version 7)
• SPA AAV (CVC2) - Secure Payment Application Accountholder Authentication Value calculator
• dCVV - dynamic Card Verification Value calculator

PIN Block calculators - calculate PIN blocks of ISO 9564 - Format 0 and ISO 9564 - Format 1

PIN Verification - some of the most common PIN validation methods:

• Visa PVV - VISA PVV (PIN Verification Value) calculator
• IBM 3624 - IBM 3624 Intermediate (Natural) PIN calculator
• IBM 3624 PIN Offset - IBM 3624 PIN Offset calculator

PIN Extract - tools for extracting PIN value:

• PIN from PIN block - attempts PIN extraction from clear or encrypted PIN block
• PIN for PVV - trying to find a PIN in range 0000..9999 that would correspond to the specified PVV value

Luhn algorithm - Luhn algorithm implementation for validation/generation of the check digit

ISO 8583 Bitmap - ISO 8583 message bitmap decoder/editor

Key Block - TR-31 (or its compatible equivalent) Key Block decoder

EMV TLV Parser - tool for parsing EMV BER-TLV data

EMV Tag Decoders - provides detailed information for some of the commonly used EMV tags:

• Tag 82 - AIP (Application Interchange Profile)
• Tag 8E - CVM (Cardholder Verification Method) List
• Tag 95 - TVR (Terminal Verification Results)
• Tag 9B - TSI (Transaction Status Information)
• Tag 9F07 - AUC (Application Usage Control)
• Tag 9F10 - IAD (Issuer Application Data)
• Tag 9F33 - Terminal Capabilities
• Tag 9F34 - CVM (Cardholder Verification Method) Results
• Tag 9F40 - Additional Terminal Capabilities
• Tag 9F66 - TTQ (Terminal Transaction Qualifiers)
• Tag 9F6C - CTQ (Card Transaction Qualifiers)
• Tag 9F6E - FFI (Form Factor Indicator)

EMV Misc - miscellaneous EMV tools:

• CSU - (Card Status Update) decoder and builder tool
• CVR - (Card Verification Results, part of Tag 9F10) decoder
• ISO/IEC 9797-1 MAC Algorithm 3 calculator
• UDK - (Unique Derivation Key) calculator (EMV Method A/B)
• DOLs - (Data Object Lists) decoder

ARQC Calculators - tool for ARQC/ARPC calculation:

• CVN10 - ARQC/ARPC calculator for CVN10
• CVN18 - ARQC/ARPC calculator for CVN18

Converters - basic text (ASCII) to hex and hex to text converters

CLI Utils - CLI (Command Line Interface) utilities:

• mpe2sql - tool for converting Mastercard MPE (GCMS) tables to SQLite database
• ipm2json - tool for converting Mastercard IPM files to JSON format
• json2ipm - tool for converting JSON to Mastercard IPM format
• ipmmask - tool for masking card numbers in Mastercard IPM files
• ipmconv - tool for converting Mastercard IPM files to different layouts and formats

Test card generator - generates cards for testing

Dictionaries

• EMV Tags - list of EMV tags recognized by the EMV TLV Parser tool
• Countries - list of country codes recognized by the tools
• Currencies - list of currency codes
• MCCs - list of Merchant Category Codes (MCC)