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ANSI X9.124-2-2018


Financial Services - Symmetric Key Cryptography for the Financial Services Industry - Format Preserving Encryption- Part 2: Key Stream with Counter Mode

The ANSI X9.124 standard defines a collection of format-preserving encryption methods for financial services. This document is ANSI X9.124 Part 2. ANSI X9.124 Part 2 defines requirements for Format Preserving Encryption - Counter Mode (FPCM). FPCM methods encrypt data strings of a specific length and character set into ciphertext of the same length using the same character set and using the equivalent of Counter Mode (CTR) defined in NIST SP38B. Format Preserving Encryption is useful in situations where fixed-format data, such as Primary Account Numbers (PANs) or Social Security Numbers, must be encrypted, but there is a requirement to limit changes to existing communication protocols, database schemata or application code. FPCM is a particularly simple and efficient mechanism to achieve format preserving encryption, which shares many of the strengths and challenges of CTR

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