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).