CardinalCommerce and HomeATM-AnywhereCommerce Join Forces

HomeATM manufactures the Rover point of sale terminal which is the first ever Internet PIN entry device (PED) to achieve PCI (News - Alert) certification 2.1. HomeATM's PCI certified 2.1 PED device and patented solution measures 3.5" x 1.5" which means that it is portable, cost effective, and bank-grade secure. Rover is "friendly and easy" for a consumer to use when shopping online or on their mobile phone, with instantaneous implementation.

HomeATM's Rover will now be delivered as part of CardinalCommerce's Universal PIN Debit Service (UPDS). This will be made available to merchants that use the Cardinal Centinel Universal Merchant Platform. Centinel is already being used by thousands of Internet and mobile commerce merchants and is the industry standard supporting traditional 3D-Secure payment brands and alternative payment methods.

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 and fraud reduction/elimination. UPDS will allow Centinel merchants an additional payment option, the ability to accept online PIN debit transactions, to offer their online and mobile shoppers.

In a release, Mitchell Cobrin, president and CEO of HomeATM-AnywhereCommerce said that "Delivering secure PIN debit on the web is long overdue. 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 consumer shopping in the virtual and mobile channels."

Consumers who prefer to shop online using their PIN debit card can easily do this by simply swiping 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 will also be able to confidently process orders knowing that this method of authentication represents the lowest fraud risk of any transaction type. The cardholder and their card will be "present" in all scenarios providing increased security, fraud reduction, and favorable interchange rates.

Mike Keresman, chief executive officer of CardinalCommerce said that "Cardinal continues to achieve its strategy to enable authenticated transactions originating from any place, sending transactions to the right place, in the right way. We are pleased about adding Home ATM's authentication technology, Rover, to ensure that remote consumer channels are safe and secure."

Cardinal's platform has the ability to accommodate virtually any authentication technology and can easily handle version changes, technology enhancements while adding flexible authentication parameters for added strength.

Carolyn John is a Contributor to TMCnet. To read more of her articles, please columnist page.

Edited by Jennifer Russell