cyberchef/PAYMENT_RECIPES.md

Payment Recipe Starters

These recipe starters are for software-only payment-crypto emulation, inspection, regression tests, and interoperability work.

For AWS operation mapping, see AWS_PAYMENT_CRYPTOGRAPHY_RECIPES.md.

UI Arrangement

The Payments category is arranged in this order:

• payment-facing wrappers first
• EMV and card-validation flows next
• PIN and issuer-verification helpers after that
• key-derivation, KCV, and parser utilities next
• generic crypto primitives last for chaining

That keeps common testing tasks near the top without hiding the underlying HMAC, CMAC, cipher, and key-wrap primitives that some chains still need.

1) Encrypt / Decrypt / Re-Encrypt Payment Data

Operations:

• Encrypt Payment Data
• Decrypt Payment Data
• Re-Encrypt Payment Data

Use this when:

• you want payment-facing names for AES, TDES, or the implemented DUKPT-TDES profiles
• you want one operation for decrypt-then-encrypt rewrapping

Input:

• plaintext or ciphertext in the selected input format

Important assumptions:

• current derived-data coverage is AES, TDES, and the implemented DUKPT-TDES profiles
• this is software emulation and does not model AWS key ARNs or HSM custody

2) Generate / Verify Payment MAC

Operations:

• Generate Payment MAC
• Verify Payment MAC

Supported methods:

• HMAC SHA-224
• HMAC SHA-256
• HMAC SHA-384
• HMAC SHA-512
• AES-CMAC
• TDES-CMAC
• ISO 9797-1 Algorithm 1
• ISO 9797-1 Algorithm 3
• AS2805-4.1
• DUKPT MAC Request CMAC
• DUKPT MAC Response CMAC
• DUKPT ISO 9797-1 Algorithm 1
• DUKPT ISO 9797-1 Algorithm 3

Use this when:

• you want one payment-facing MAC surface instead of deciding between generic HMAC, CMAC, ISO9797, DUKPT, and AS2805 yourself

Input:

• message data in the selected input format

Important assumptions:

• ISO9797 and AS2805 methods use clear TDES keys in software
• DUKPT methods expect a clear BDK plus full KSN
• EMV MAC is handled by the dedicated EMV MAC operations below

3) Generate / Verify EMV MAC

Operations:

• Generate EMV MAC
• Verify EMV MAC
• Generate EMV MAC For PIN Change

Use this when:

• you already have the EMV session integrity key
• you want issuer-script MAC generation or verification
• you need a dedicated offline PIN-change MAC helper

Input:

• issuer-script or EMV command payload as hex

Important assumptions:

• these operations do not derive EMV session keys
• they apply retail-MAC style EMV MAC generation with ISO9797 padding method 2
• Generate EMV MAC For PIN Change expects the new PIN block to already be encrypted before you call it

4) Generate / Verify EMV ARQC And ARPC

Operations:

• Generate EMV ARQC
• Verify EMV ARQC
• Generate EMV ARPC

Use this when:

• you already know the exact preassembled EMV data block
• you already have the derived EMV session key

Input:

• preassembled EMV cryptogram input data as hex

Important assumptions:

• current coverage is the implemented AES-CMAC profile
• these operations do not assemble CDOL data or derive issuer/session keys

5) Generate / Verify Card Validation Data

Operations:

• Generate Test PAN
• Parse PAN
• Generate Card Validation Data
• Verify Card Validation Data

Profiles:

• CVV / CVC (use service code arg)
• CVV2 / CVC2 (force 000)
• iCVV (force 999)

Input:

• combined CVK pair as clear hex

Important assumptions:

• CVV2 forces service code 000
• iCVV forces service code 999
• this is a clear-key software emulation of common card-validation flows

Recommended chain:

• Generate Test PAN -> Parse PAN -> Generate Card Validation Data

Use Generate Test PAN when:

• you want a Visa, Mastercard, American Express, or Discover PAN to feed into later recipes

Use Parse PAN when:

• you want to confirm network, IIN, length, and Luhn validity before continuing

6) Generate / Translate / Verify Payment PIN Data

Operations:

• Generate Payment PIN Data
• Translate Payment PIN Data
• Verify Payment PIN Data

Use this when:

• you want AWS-style PIN-data naming for clear ISO 9564 block flows

Input:

• Generate Payment PIN Data: clear PIN digits
• Translate Payment PIN Data: clear PIN block hex
• Verify Payment PIN Data: clear PIN block hex

Important assumptions:

• these wrappers currently cover clear ISO formats 0, 1, and 3
• encrypted PEK/BDK translation is still done by chaining lower-level steps

7) Build / Parse / Translate PIN Block

Operations:

• Build PIN Block
• Parse PIN Block
• Translate PIN Block

Use this when:

• you want the lower-level clear PIN-block tools directly

Input:

• Build PIN Block: clear PIN digits
• Parse PIN Block: clear PIN block hex
• Translate PIN Block: clear PIN block hex

Important assumptions:

• current clear-block support is ISO formats 0, 1, and 3

8) Issuer PIN Verification Helpers

Operations:

• Generate IBM 3624 PIN Offset
• Verify IBM 3624 PIN
• Generate VISA PVV
• Verify VISA PVV

Use this when:

• you need issuer-side PIN verification artifacts rather than PIN blocks

Input:

• clear PIN digits

Important assumptions:

• these helpers use clear PVKs in software
• IBM 3624 expects a decimalization table and validation data
• VISA PVV uses the common PAN/PVKI/PIN assembly described in the inline comments

9) Key Derivation And Validation

Operations:

• Derive DUKPT Key
• Derive ECDH Key Material
• Calculate Payment KCV
• Generate AS2805 KEK Validation

Use this when:

• you need transaction keys, shared secrets, KCVs, or AS2805-style KEK-validation lab values

Important assumptions:

• Derive DUKPT Key is TDES DUKPT, not AES DUKPT
• Generate AS2805 KEK Validation is an emulation-oriented helper and explicitly documents its simplifications in the operation comments

10) Key Container Inspection

Operations:

• Parse TR-31 key block
• Parse TR-34 B9 envelope

Use this when:

• you need to inspect inbound wrapped-key material or transport frames during testing

Input:

• full TR-31 or TR-34 payload as text or hex, depending on the operation comment

Chaining Patterns

A) DUKPT MAC

Operations:

• Derive DUKPT Key
• Generate Payment MAC

Flow:

• derive the transaction key first if you want to inspect it
• or use a DUKPT MAC method directly in Generate Payment MAC
• use the same KSN and BDK on verify

B) ECDH Wrap / Unwrap

Operations:

• Derive ECDH Key Material
• AES Key Wrap
• AES Key Unwrap

Flow:

• derive the shared secret
• optionally run a KDF if you need a specific KEK size
• feed the resulting key into AES Key Wrap or AES Key Unwrap

Important assumption:

• this is not a full TR-34 or AWS TranslateKeyMaterial implementation by itself

C) Clear PIN Block To Encrypted PIN Data

Operations:

• Generate Payment PIN Data or Build PIN Block
• Encrypt Payment Data

Flow:

• generate the clear ISO PIN block first
• encrypt that block under the desired AES or TDES profile

D) Re-Encrypt Payment Data

Operations:

• Re-Encrypt Payment Data

Flow:

• define the source decrypt profile
• define the target encrypt profile
• keep the payload in hex end to end

E) EMV ARQC / ARPC Review

Operations:

• Generate EMV ARQC
• Verify EMV ARQC
• Generate EMV ARPC

Flow:

• build the exact request-data preimage outside the op
• generate or verify the ARQC with the derived session key
• build the response preimage and generate the ARPC

F) EMV Script MAC And PIN Change

Operations:

• Generate EMV MAC
• Verify EMV MAC
• Generate EMV MAC For PIN Change

Flow:

• assemble the issuer-script APDU body as hex
• use the derived integrity key
• append the already-encrypted PIN block when generating the PIN-change MAC

G) IBM 3624 / PVV Verification

Operations:

• Generate IBM 3624 PIN Offset
• Verify IBM 3624 PIN
• Generate VISA PVV
• Verify VISA PVV

Flow:

• keep the clear PIN in the input field
• keep issuer validation data, PAN, PVKI, decimalization table, and PVK in the args
• use the JSON output when you need to inspect how the verification artifact was assembled

H) Brand Test Card Setup

Operations:

• Generate Test PAN
• Parse PAN
• Generate Card Validation Data
• Generate Payment PIN Data

Flow:

• generate a curated or locally generated brand-valid PAN
• parse it to confirm brand and Luhn validity
• feed the PAN into CVV, PIN, EMV, or parser recipes

I) AS2805 KEK Validation

Operations:

• Generate AS2805 KEK Validation
• Calculate Payment KCV

Flow:

• inspect the KEK with Calculate Payment KCV
• generate request or response RandomKeySend / RandomKeyReceive values with the AS2805 helper