Mobile Payment Security

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1 Mobile Payment Security Gill Woodcock 2014

2 About the PCI Council Founded in Guiding open standards for payment card security Development Management Education Awareness

3 PCI Security Standards Suite Protection of Cardholder Payment Data Manufacturers PCI PTS Pin Entry Devices Software Developers PCI PA-DSS Payment Applications Merchants & Service Providers PCI DSS Secure Environments PCI Security & Compliance P2PE Ecosystem of payment devices, applications, infrastructure and users

4 Mobile PCI Standards focus on merchant-acceptance Mobile payment acceptance still evolving Understand risk and use PCI SSC resources PCI SSC is working with industry PCI SSC is working with industry

5 Mobile Payments and the PCI Council Identified mobile applications that can be validated to PA-DSS Published merchant guidance for mobile solutions leveraging P2PE Developed best practices for developers New merchant guidance

6 Areas of Focus for Mobile MOBILE Devices Tamper-responsive, PTS Devices (e.g. SCR) using P2PE Applications Requirements and/or Best Practices for authorization and settlement Service Providers Service provider protection of cardholder data and validation

7 Purpose of Mobile Best Practices Controls are broken into two categories: Payment Transaction Supporting Environment

8 Transactional Controls for Mobile Card holder data entering device Prevent account data from being intercepted when entered into device Card holder data inside of device Prevent account data from compromise while processed or stored within the mobile device Card holder data leaving device Prevent account data from interception upon transmission out of the mobile device

9 Updates to Mobile Guidelines 2014 Administrative Updates Accepting Mobile Payments with a Smartphone or Tablet

10 Updates to Mobile Guidelines PCI Mobile Payment Acceptance Security Guidelines for Merchants as End-Users v1.1 PCI Mobile Payment Acceptance Security Guidelines for Developers v1.1

11 Mobile Payment Acceptance Approved PED Approved Secure Card Reader Smart Phone or Tablet P2PE Solution Provider Encrypted Cardholder Data Encrypted Cardholder Data Identified mobile applications that can be validated to PA-DSS Published merchant guidance for mobile solutions leveraging P2PE Developed best practices for developers Collaborating with industry experts and other standards organizations

12 Why Mobile Guidance, Not Standards

13 The Formula for PCI Success with Mobile + + = Technology Processes People Security

14 Training Highlights Online Internal Security Assessor (ISA) Training P2PE Assessor Training Corporate Group Training Let Us Come To You! Online Awareness Training in Four Hours Qualified Integrators and Resellers (QIR) Program PCI Professional Program (PCIP) To learn more, visit:

15 Questions? Please visit our website at

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