[TECH]PCI SSC Security Requirements for Fintech Apps
Published: 2023-02-24 04:40:19

Hello, this is LIAPP TEAM.

The security issue of Fintech apps is emerging as a hot topic in various fields worldwide. xpectations for Fintech apps are rising as financial services become more advanced and payments in non-financial IT sectors are active. Still, the frequency of personal information leakage accidents is also increasing. Therefore, to make lesser concerns about the exposure of personal information of Fintech app users, Fintech companies should do their best to strengthen security with safety as collateral, away from reckless evasion of responsibility.

For this reason, the payment card industry data security standard (PCI-DSS, Payment Card Industry Data Security Standard) is emerging as a security standard for Fintech companies. Five multinational card payment brands, VISA, MasterCard, American Express, DISCOVER, and JCB International, have established the Payment Card Industry Security Standards Committee (Payment Card Industry Security Standards Council, hereafter PCI SSC).

Their mission is to protect personal information related to payment and provide technical requirements for protecting cardholders' data and sensitive personal information data.


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This content has been written to help you understand each item of the PCI Mobile Payment Acceptance Security Guidelines, issued separately by the PCI SSC for the security of mobile card payment systems. In addition, we will introduce the security features of LIAPP that can be applied to each item in order to comply with PCI regulations and show you how to protect Fintech apps strongly.

**LIAPP Auth**

4.2 Create server-side controls and report unauthorized access

This recommendation is for developing a comprehensive payment authorization solution that can detect, report, and disconnect unauthorized access attempts or abnormal behavior to mobile apps. This is the LIAPP Auth function of LIAPP, which blocks bypass connections directly to the app server, and can be set up to prevent the app from running through an abnormal path.

**Detect and block LIAPP Root/Jailbroken and Virtual Machine Devices**

4.3 Prevent escalation of privileges

It is recommended to block routing, run apps on escaped devices, and increase security by sending alarms or warning messages if a risk is detected. However, mobile hacking is primarily caused by not blocking unauthorized connections. LIAPP can detect unauthorized access from routing, rooted or jailbroken devices, OS-tampered devices, and virtual machines, sending out alarms and strongly blocking app execution and access.


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**LIAPP Anti-Tampering, Anti-Debugging and Anti- Repackaging**

4.7 Harden the application

This item is an application enhancement that prevents users from unintentionally accessing mobile apps or inserting malicious code and recommends anti-tempering with reverse engineering. LIAPP prevents analysis through decompile or reverse engineering by encrypting critical source codes, dynamic analysis during app execution with an anti-debugging function, and blocks tampering with the app by detecting signs of app modulation. Anti-repacking blocking can also prevent malicious redistribution by protecting sensitive information files used by apps.

**LIAPP Realtime Hacking Tools Registration**

4.10 Protect against known vulnerabilities

It recommends patching mobile devices and apps to ensure they are always up to date. As a result, LIAPP can strongly block known hacking techniques and directly register hacking tools to address the latest security vulnerabilities.
LIAPP's premium plans; LIAPP Enterprise and LIAPP For Game provide servers and monitoring dashboards dedicated to customers, enabling real-time reporting of the number of app users, hacking incidence, and hacking types. In addition, users can immediately change the on/off button to enable features such as anti-debugging, integrity modulation detection, virtual machine detection, hacking tool detection, and administrator rights detection.


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Compliance with PCI SSC security regulations is not just about preventing privacy leaks. In addition, it increases the reliability of Fintech apps, improving its reputation for Fintech services. As mobile payments through Fintech apps gradually play a central role in the payment industry, compliance with related regulations is now becoming an essential factor. Compliance with PCI SSC may initially seem complicated, but mobile security services such as LIAPP make it easier and simpler to apply security features.

If you've already released or are preparing for a Fintech app, why don't you take this opportunity to strengthen your mobile app security policy with LIAPP? About a month before the app's launch, LIAPP team recommends a schedule to distribute it to the market by strengthening security in advance. We hope that it will become a Fintech app service that runs fast in the global market with LIAPP in the future.

[Source of data]
https://www.pcisecuritystandards.org/pci_security/
https://www.pcisecuritystandards.org/about_us/
PCI Mobile Payment Acceptance Security Guidelines / PCI Mobile Payment Acceptance Security Guidelines for Developers.pdf


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