3DES is an older symmetric block cipher built from repeated DES transformations. Its 64-bit blocks helped legacy systems keep using DES while seeking stronger protection. section 13.2.2
Rather than encrypting card data, banking systems commonly use a per-card 3DES key to produce a MAC over a challenge. The bank computes or verifies that MAC to confirm the card’s identity. section 13.2.2
A bank card proves its identity
A smart card stores a unique 3DES secret. A reader or bank sends a challenge; the card generates a MAC, and the bank checks it using the customer’s corresponding key. Legacy hardware and software keep this arrangement in service, making periodic card replacement and key rotation important. section 13.2.2
