PVV / PIN Offset Calculator
Generates a 4-digit PIN Verification Value (PVV) using the Visa algorithm.
Requires a 16-byte (32 hex char) PIN Verification Key (PVK), a 4-digit PIN, PAN, and PVKI (0-9).
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Computes an IBM 3624 PIN Offset. The natural PIN is derived from the PAN and PDK,
then offset = (PIN - naturalPIN) mod 10 for each digit.
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