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The Green Sheet Online Edition

January 27, 2020 • Issue 20:01:02

New Products

Secure, hardware-free PIN entry on smartphones, tablets

Product: MPP mPOS

MYPINPAD, a global provider of secure personal payments authentication solutions, launched MPP mPOS, a solution designed to transform smartphones and tablets into secure PIN entry devices. The solution's proprietary, patented technology protects sensitive customer data, such as cardholder PIN, throughout a transaction lifecycle, reducing friction and costs by eliminating the need for PCI-certified hardware peripherals.

"The challenge in implementing payments technology is to ensure that the purchasing experience is entirely seamless," said Nigel Dean, head of marketing at MYPINPAD. "MPP mPOS is a PIN on Mobile solution, based on the PCI Council's SPoC [software-based PIN entry on commercial off-the-shelf solutions] standard, that makes payment transactions frictionless."

Dean described the PCI Security Standards Council's SPoC specification as a major leap for the payments industry, which had traditionally built security around hardware and devices. "Our vision was not to rely on hardware and secure software alone," he said. "When the SPoC specification was published in 2018, it enabled payments to be taken on connected devices rather than boxes, helping promote payments acceptance by reducing complexity and costs."

Three components

MYPINPAD's PCI-certified MPP mPOS SPoC works on iOS and Android devices, displaying a standard, unscrambled PIN pad image on the user's screen. Additional support is available for visually impaired users, Dean noted. He cited three components of MPP mPOS:

  • MPP Customer Verification App: The on-device app securely manages the secure card reader, PIN entry, and communicates with the MPP Authorization Platform.
  • Secure Card Reader: The built-in reader securely reads contact and contactless cards.
  • MPP Authentication Platform: The cloud-based, fraud detection service monitors the smart mobile device to ensure its integrity before beginning a transaction.

Market ready, easy integrations

The PCI SSC routinely updates existing standards in response to emerging payment trends and has seen growing adoption of mobile and contactless payment schemes, Dean noted. The council published the original SPoC standard in 2018 and released CPoC the following year, a standard that pertains to contactless payments on commercial off-the-shelf (COTS) devices. He expects SPoC and CPoC to eventually merge into a uniform standard for securely transacting contact and contactless payments without the need for additional card reader peripherals.

Continuous updates keep the MPP mPOS solution up to date with Payment Card Industry security requirements. The MPP Customer Verification App also automatically updates every month, eliminating the need to maintain large device populations or costly estate management systems. Its cloud-based infrastructure provides automatic failover and redundancy, with additional assistance provided by MYPINPAD's global support team.

"MPP mPOS leverages intelligent devices and many built-in sensors such as geofencing," Dean said. "The solution is ready for market and we provide the capabilities for third-party service providers to integrate this into their solutions."

MYPINPAD offers full access to the company's API library and software development expertise to help channel partners, distributors and software integrators seamlessly and rapidly develop, deploy and implement PIN on Mobile solutions. The MPP API supports both Android and iOS environments and includes documentation, example scripts, and technical support. end of article

Website: www.mypinpad.com Contact: info@mypinpad.com

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