Creating Security Codes & PINs

The Bank Card Security System (BCSS) is cost-effective software because it reduces the programming required to create security codes and PINs. BCSS meets standards for security code creation established by the network brands including use of hardware security modules (HSMs).

BCSS is used by a wide range of customers from those just entering the market to the largest secure card issuing and personalization bureaus in the world.

One of our customers recently saved several hundred thousand dollars in startup costs by implementing BCSS instead of a solution developed in-house. Out-of-the box, BCSS includes key management and hardware cryptography required by the network brands (Visa, MasterCard, Discover, American Express and JCB) for security code and PIN generation.

"It saved us six months of programming," the customer said.

BCSS supports the generation and verification of standard security codes such as CVV, CVV2, CVC, CVC2, CVC3, CAVV, CSC, PVV and ABA Code. BCSS also supports a variety of PIN functions such as PIN generation, PIN translation, PIN selection, PIN bridging and PIN verification.

Secret keys and security options are used to create the codes that protect debit, credit and prepaid cards. BCSS has a database that stores all of the keys and options needed to create and verify card security codes and PINs. BCSS also creates ARQC and ARPC cryptograms that comply with various EMV standards.

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