HomeATM and CardinalCommerce team on secure PIN debit processing

Source: CardinalCommerce

The Rover point of sale terminal, manufactured by HomeATM, is the first ever Internet PIN entry device (PED) to achieve PCI certification 2.1.

HomeATM's PCI certified 2.1 PED device and patented solution is portable (measuring 3.5" x 1.5"), cost effective, and bank-grade secure. RoverTM is "friendly and easy" for a consumer to use when shopping online or on their mobile phone, with instantaneous implementation.

HomeATM's Rover will be delivered as part of CardinalCommerce's Universal PIN Debit ServiceTM (UPDS), which will be available to merchants that use the Cardinal Centinel Universal Merchant Platform. Centinel is already used by thousands of Internet and mobile commerce merchants and is the industry standard supporting traditional 3D-Secure payment brands and Alternative Payment methods. UPDS will allow Centinel merchants an additional payment option, the ability to accept online PIN debit transactions, to offer their online and mobile shoppers.

As part of UPDS, the Rover will provide secure multi-factor authentication for eCommerce and mCommerce transactions including:
• Device level 3DES encryption
• 4-Factor authentication
• Fraud reduction/elimination

Consumers that wish to shop online using their PIN debit card simply need to swipe their card into their personal Rover in exactly the same way they would swipe their card at the grocery store, gas pump, or bank, and enter their PIN to authenticate themselves. Centinel merchants can confidently process orders knowing that this method of authentication represents the lowest fraud risk of any transaction type. The cardholder and their card are "present" in all scenarios driving increased security, fraud reduction, and favorable interchange rates.

"Delivering secure PIN debit on the web is long overdue," said Mitchell Cobrin, President & CEO of HomeATM-AnywhereCommerce. "We commend Cardinal for accepting the lead role, managing the expectations of all stakeholders in eCommerce transactions, while creating this new eco system. Rover provides the point of sale PIN debit transaction for a a consumer shoppinng in the virtual and mobile channels."

Cardinal's platform can accommodate virtually any authentication technology and can easily handle version changes, technology enhancements while adding flexible authentication parameters for added strength. "Cardinal continues to achieve its strategy to enable authenticated transactions originating from any place, sending transactions to the right place, in the right way," said Mike Keresman, Chief Executive Officer of CardinalCommerce. "We are pleased about adding Home ATM's authentication technology, Rover, to ensure that remote consumer channels are safe and secure."

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