This answer quotes ChatGPT
Take the first data as an example:
Perform bitwise XOR operation between card number 02 FD 00 00 43 B0 14 E7 00 01 00 00 04 14 B6 C0 and data 53.51 to get a result of 16 bytes :
51 BC 00 00 16 41 76 26 53 50 00 00 47 05 00 81
performs bit-by-bit XOR operations on each byte and FF to get another 16-byte result:
AE 43 FF FF E9 BE 89 D8 AC AF FF FF B8 FA FF 7E
Performs bit-by-bit XOR on the first 8 bytes and the last 8 bytes to get the final 4-byte verification code:
64 21 05 81
