PCI Security Standards Council publishes security requirements for software-based PIN entry on commercial off-the-shelf devices (COTS), such as smartphones and tablets.

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).

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