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Answer:

To check for the data encryption key and encryption algorithm, you can send the "81-04" with the data "05" first (see screenshot below for steps):

And then refer to the NEO IDG excerpt below for the definition of the response data:

For example, the response highlighted in the screenshot above for the data key slot (05) is "01443054453030", below is the breakdown with meanings:

01 - a valid key exists in key slot 5 which is the data encryption key

4430 - this is "D0" in ASCII means the key is used to encrypt data

54 - This is "T" in ASCII means the reader is on the TDES encryption algorithm

45 - This is "E" in ASCII means the key is for Encryption only

3030 - This is "00" in ASCII means the key version number is not used 

This method applies to all NEO products