Embedded card reader security

A device, comprising:

• one or more processors;
• and
• non-transitory computer-readable media storing instructions that, when executed by the one or more processors, cause the one or more processors to perform operations comprising:
• configuring a personal account number (PAN) application installed on the device to utilize an embedded card reader (ECR) of the device;
• receiving, at the PAN application and based at least in part on an interaction between the ECR and the device, a PAN for a transaction;
• sending, utilizing the PAN, the PAN to a payment processing service;
• in response to determining that the PAN has been received at the payment processing service, causing a personal identification number (PIN) application residing on the device to render a PIN user interface, the PIN application and the PAN application being configured to prevent communication with each other;
• receiving, at the PIN application and utilizing the PIN user interface, the PIN;
• sending, utilizing the PIN application, the PIN to the payment processing service;
• and
• completing the transaction based at least in part on an indication from the payment processing service that the PAN and the PIN have been accepted.

A method, comprising:

• configuring a personal account number (PAN) application installed on a device to utilize an embedded card reader (ECR) of the device;
• receiving, at the PAN application and based at least in part on an interaction between the ECR and the device, a PAN for a transaction;
• sending, utilizing the PAN, the PAN to a payment processing service;
• in response to determining that the PAN has been received at the payment processing service, causing a personal identification number (PIN) application residing on the device to render a PIN user interface, the PIN application and the PAN application being configured to prevent communication with each other;
• receiving, at the PIN application and utilizing the PIN user interface, the PIN;
• sending, utilizing the PIN application, the PIN to the payment processing service;
• and
• completing the transaction based at least in part on an indication from the payment processing service that the PAN and the PIN have been accepted.