ST: secure, efficient SoC for affordable mobile payment terminals

Card payment terminals are about to become even more affordable and ubiquitous with a new single-chip controller developed by STMicroelectronics and mobile payment solutions disruptor YouTransactor. Combining YouTransactor’s market knowledge and intellectual property of security and point-of-sale payment terminals and applications, with ST’s chip-design skills and intellectual property including cyber-protection and sophisticated display-graphics control, the new chip is the first PCI secure SoC for mobile payment terminals to be based on a general-purpose microcontroller for robust performance and low power at a cost-effective price.

The new System-on-Chip, the YTSECPCI, is commercialized by YouTransactor with the support of ST and is available to customers on flexible delivery terms from YouTransactor, subject to Non-Disclosure Agreement. Launched last month, the YTSECPCI has already been embedded and deployed in 50,000 payment terminals, with over 1 million units ordered for 2019-2020, reflecting the strong demand of the retail industry for low-cost secure payment devices.

As a fully integrated System-on-Chip (SoC) with a PCI (Payment Card Industry) kernel, the new device embeds all the physical security mechanisms required by PCI PTS (Pin Transaction Security) to ensure the safety of transactions and user data. These include mesh monitoring, switch monitoring, support for secure application loading and secure boot, advanced cryptographic libraries, active software and hardware tamper detection with data-erase, card-data and pin-code protection, key management, and real-time clock integrity protection.

Contact and contactless payment modes are all supported, and the chip comes pre-certified to PCI specifications to ease final approval of customers’ products. In addition to mobile point-of-sale (POS) terminals, the SoC can also be integrated in devices such as vending machines, IoT, cash registers, smartphones or retail hardware.

The chip leverages the advanced features and ultra-low-power technologies of ST’s STM32L4 microcontrollers. Highlights of the MCU include 100DMIPS/273CoreMark processing performance, multiple power-management modes to help minimize overall energy consumption, large on-chip data and program memory, and ST’s unique Chrom-ART Accelerator to handle sophisticated user-interface graphics.

In addition, engineering teams benefit from the extensive STM32 development ecosystem, including initialization tools, free essential middleware and software, and graphical development tools available through the ST Partner program.

To further aid development and accelerate time to market for innovative payment devices, ST and YouTransactor have also created a dedicated evaluation board and reference design containing the YTSECPCI. For further information and to discuss terms for availability, please contact YouTransactor or your local ST sales office.

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