card payments
"It could be you or I who determine
the next generation of device
design, and its success or
failure in the near future"
All of these solutions are now possible
due to several factors. It would have
been difficult even in the recent past
to think it would be OK to enter your
PIN onto a mobile phone, the card
brands have relaxed their stance of
PIN standards which have historically
been hand-in-hand with PCI PTS
(PIN transaction security) which is a
demanding albeit important security
standard. It’s possible that some of
this willingness is being driven by new
payment methods in the Asian market
with the widespread adoption of mobile
phone and NFC usage for payments. The
card brands seem to be taking a more
relaxed approach to PIN entry on mobile
hence the rise of PIN on Glass.
28 KIOSK solutions
There are different methods for how the
PIN is protected in a PIN on Glass envi-
ronment, firstly by simply scrambling the
screen and moving the number positions
around the screen. Secondly by obfusca-
tion, which means the PIN is only visible
when viewing it at a certain angle. This is
based on a car industry innovation that
prevents the driver from being able to
see reflections on the passenger’s side
of the screen which reduces distrac-
tion, obfuscation also resolves the PCI
requirement for PIN shielding on a fixed
payment terminal.
There are trials in progress to
assess how customers would perceive
this technology, and the customer
experiences (ease and speed of use),
which could drive one or more of the
solutions as a preference to others. An
example might be that large retailers
may view connection to their networks
via a customer’s mobile phone as risky.
Of course, not all payments require PIN
entry, currently in the UK anything below
£30 can be paid for by contactless card;
in this case, the reader will accept the
contactless payment.
PIN entry on glass is new technology
that looks to have an exciting future –