Mobile EMV Kernel – Using a mobile phone as a payment terminal

Posted on: June 11th, 2012 by level_admin No Comments

Traditionally, GPRS-based mobile payment terminals which are used to accept debit or credit card payments (including both magnetic-stripe cards and EMV “Chip and PIN” cards) in the field, have been expensive, and bulky, which has hampered their acceptability to small merchants or those that operate mobile businesses.

Mobile Credit Card Readers

Now though, by taking advantage of the powerful hardware available in current smartphones, there is scope for equipping them to become part of a mobile credit card acceptance solution. A number of commercial realisations of this have already been launched that provide a card reader as either  an external dongle fitted to a phone or a separate Bluetooth enabled card reader. By using the phone’s screen and communications capability, they allow it to be used as a Mobile Point of Sale (MPoS) device.

Security Requirements

In order to safeguard the card holder’s data there are a number of security requirements that all Point of Sale devices should be compliant with, including the PCI PA-DSS (Payment Card Industry Payment Application Data Security Standard) standard. However the PCI SSC (PCI Security Standards Council), which governs the PCI standards, have announced that currently they will not consider validating payment application running on mobile devices and so MasterCard have recently published a best practice guide for MPOS solutionsto provide assistance to solution providers looking to deliver MPOS products

Mobile EMV Kernel Software

CreditCall’s EMV Kernels are ideal for mobile POS solutions, whether the integrator is wishing to provide the Kernel running on a remote server or embedded on the card reader dongle. Check out the EMV Level 2 Kernel website for further details of these EMV Level 2 compliant Kernels.

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