EncryptedPIN pin = translatePINExt(currentPIN, newPIN, decryptFromLMK(kd1)
,smc, destinationPINBlockFormat, udk, padm);
data = ISOUtil.concat(data, pin.getPINBlock());
byte[] mac = generateSM_MACImpl(mkdm, skdm, imksmi, accountNo
,accntSeqNo, atc, arqc, data);
return new Pair(pin, mac);
}