2011 PCI Requirements

The market for self-service applications is steadily increasing, not only in the United States but also worldwide. Analyses and forecasts confirm that many self-service applications have already become a permanent and established part of the landscape. This goes for photo kiosks, airport self-check-in, grocery stores self-check-out, pay-at-the-pump and ATMs.
Lately, new applications such as bill payment, DVD-rental kiosks and hotel self-check-in have been added to the list.

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Encrypting PIN pads pay off

Learn how customized ATM and PIN pad product applications were used to empower residents, college students and air travelers to automate payments and improve organization revenues.

When officials in Chicago wanted to install self-service pay stations throughout the city, they tapped locally operated Pay-Ease, developer of a line of automated-commerce machines. Now the city is using EZ Pay stations designed by Pay-Ease that allow Chicago residents to pay city water bills, fees for traffic tickets and other city expenses.
Through February 2008, more than 20 kiosks were installed in the city, including on local college campuses and within O’Hare and Midway airports.

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Building a better ATM

The background

As the self-service segment of the financial market grows, bank and non-bank institutions are migrating traditional customer interactions to kiosk-based platforms.

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Sagem Denmark EPPs support Pay-Ease expansion into new markets

Thousands of consumers in 13 states rely on Direct General for auto insurance, life insurance, vehicle and travel protection and medical protection. Customers typically pay premiums by mail or at one of the more than 480 sales offices throughout Direct General’s service area. Beginning in March 2008, some of the company’s customers had another option: to make their premium payments at self-service kiosks.

Headquartered in Nashville, Tenn., Direct General partnered with Pay-Ease LLC, a leader in self-service financial processing systems, to bring self-service bill payment to the insurance industry. In a pilot program, Direct General installed the Pay-Ease Automated Commerce Machine, or ACM, in six locations. Based on customer response, the program may be expanded to additional locations.

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Increase ROI with Remote Key Loading

ATM deployers reeling from the high costs of security upgrades are wary of the next step. Implementation of Triple Digital Encryption Standards, PCI compliance and other regulatory schemes all add up. Certainly enhanced security is worth the investment, but it would be nice to invest in an upgrade that offered a significant return on investment beyond not being victimized by criminals. Remote key loading offers a solution.

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Remote Key Loading Revitalizes Legacy Terminals

For years, ATM owners have relied on expensive and risky manual installation of encryption keys. The traditional method relies on two technicians, each carrying a portion of the secret code, to enter the code into each and every machine in a portfolio.

Susceptibility to fraud and error are two of the drawbacks to this method, not to mention the cost. Of course, regulatory mandates for remote key loading (RKL) are on the horizon as well. Version 1.2 of the Payment Card Industry Council Data Security Standard requires keys to be changed every 12 months. Updating keys manually every year could turn into an expensive, time-consuming proposition.

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Security Advantages of Remote Key Loading

The adoption of stricter standards for data encryption in recent years has meant that ensuring ATM security has become more complicated.

The latest Payment Card Industry Council Data Security Standards dictate that ATM deployers incorporate encrypting PIN pads and the more secure Triple Data Encryption Standard.

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Understanding Remote Key Loading

By using remote key loading (RKL), ATM operators have the opportunity to improve operating efficiency while at the same time enhancing security. In some locations around the world, RKL already is a standard; in others, it’s coming.

Simply put, RKL is the process of distributing the terminal master key from a central administration point to the EPP (Encrypted PIN Pad) or PED (PIN Entry Device). The code keys encrypt the information being sent back and forth between the ATM and the central processing center.

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With EPP upgrades, ATM operators save money and meet security standards

As security requirements for ATMs evolve, operators have to economically manage the transition from one set of regulations to the other. Rather than replacing the entire inventory, upgrading existing ATM fleets is the most economic way to ensure compliance.

The Challenge

Since the Payment Card Industry Security Council took over administration of security standards for PIN pads from Visa Inc.’s PIN Entry Device, or PED, program, the industry has gone through a transition period in which relatively new machines may not meet the current standards. To denote the change in management of the administration, the Visa regulations are also known as pre-PCI. After the changeover, the PCI Digital Security Standards began governing the industry.

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