The PCI Software-Based PIN Entry on COTS (SPoC) Standard provides requirements for developing secure solutions that enable EMV contact and contactless transactions with PIN entry on the merchant’s consumer device using a secure PIN entry application in combination with a Secure Card Reader for PIN (SCRP).
Key security principles included in the standard’s security and test requirements are:
• Active monitoring of the service, to mitigate against potential threats to the payment environment within the phone or tablet; • Isolation of the PIN from other account data;• Ensuring the software security and integrity of the PIN entry application on the COTS device;• Protection of the PIN and account data using a PCI approved Secure Card Reader-PIN (SCRP).
The Software-Based PIN Entry on COTS Test Requirements outline testing processes for laboratories to use in evaluating solutions against the standard. These will be published in the next month, followed by a supporting program that will list PCI validated solutions on the PCI SSC website for merchant use.
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