Creditcall Announces Remote Key Injection Process

rki flow

New York, NY April 4, 2016- Online Remote Key Injection (RKI) allows merchants to automatically, quickly and securely complete payment terminal key injection at the point-of-sale. The system offers a more cost effective, faster and highly secure alternative to the industry’s traditional manual Secure Room Key Injection process.

Online vs. Offline PIN verification

In the U.S. and most European countries card transactions need to be verified and authorized in real time via online PIN. Elsewhere, PIN verification and authentication takes place between the terminal and the card, known as offline PIN verification.

In countries with online PIN verification, payment terminals need to be injected with special keys to enable them to encrypt the PIN. Using today’s methodologies without RKI, this has to take place in a Key Injection Facility (KIF) which is a highly secure environment subject to PCI PIN and often the TR-39 standards. Maintaining a KIF to PCI PIN and TR-39 can be costly, disruptive and very complex.

RKI Flow

Creditcall’s RKI eliminates the need for an off-site secure KIF and its associated cost, inventory complexities and distribution delays by utilizing a secure channel to remotely inject PINpads. This enables debit PIN and other data encryption keys, such as those used for Point to Point Encryption, to be safely and securely injected, no matter where the PINpad is located.

Creditcall has been audited and assessed to comply with the American National Standards Institute (ANSI) TR-39 and Payment Card Industry (PCI) PIN.

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