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Secure, hardware-free PIN entry

on smartphones, tablets

• 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
YPINPAD, a global provider of secure per- response to emerging payment trends and has seen growing
sonal payments authentication solutions, adoption of mobile and contactless payment schemes, Dean
launched MPP mPOS, a solution designed noted. The council published the original SPoC standard
M to transform smartphones and tablets into in 2018 and released CPoC the following year, a standard
secure PIN entry devices. The solution's proprietary, pat- that pertains to contactless payments on commercial off-
ented technology protects sensitive customer data, such the-shelf (COTS) devices. He expects SPoC and CPoC to
as cardholder PIN, throughout a transaction lifecycle, eventually merge into a uniform standard for securely
reducing friction and costs by eliminating the need for PCI- transacting contact and contactless payments without the
certified hardware peripherals. need for additional card reader peripherals.

"The challenge in implementing payments technology is to Continuous updates keep the MPP mPOS solution up to
ensure that the purchasing experience is entirely seamless," date with Payment Card Industry security requirements.
said Nigel Dean, head of marketing at MYPINPAD. "MPP The MPP Customer Verification App also automatically
mPOS is a PIN on Mobile solution, based on the PCI updates every month, eliminating the need to maintain
Council's SPoC [software-based PIN entry on commercial large device populations or costly estate management
off-the-shelf solutions] standard, that makes payment systems. Its cloud-based infrastructure provides automatic
transactions frictionless." failover and redundancy, with additional assistance
provided by MYPINPAD's global support team.
Dean described the PCI Security Standards Council's SPoC
specification as a major leap for the payments industry, "MPP mPOS leverages intelligent devices and many built-
which had traditionally built security around hardware in sensors such as geofencing," Dean said. "The solution is
and devices. "Our vision was not to rely on hardware ready for market and we provide the capabilities for third-
and secure software alone," he said. "When the SPoC party service providers to integrate this into their solutions."
specification was published in 2018, it enabled payments to
be taken on connected devices rather than boxes, helping MYPINPAD offers full access to the company's API library
promote payments acceptance by reducing complexity and and software development expertise to help channel
costs." partners, distributors and software integrators seamlessly
and rapidly develop, deploy and implement PIN on Mobile
Three components solutions. The MPP API supports both Android and iOS
environments and includes documentation, example
MYPINPAD's PCI-certified MPP mPOS SPoC works on iOS scripts, and technical support.
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:
Company: MYPINPAD
• MPP Customer Verification App: The on-device
app securely manages the secure card reader, Product: MPP mPOS
PIN entry, and communicates with the MPP Website: www.mypinpad.com
Authorization Platform.
Contact: info@mypinpad.com

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