Risky Behavior
A survey of businesses in the US and Europe reveals activities that may put cardholder data at risk:
81% store payment card numbers
73% store payment card expiration dates
71% store payment card verification codes
57% store customer data from the payment
card magnetic stripe
16% store other personal data
Source: Forrester Consulting: The State of PCI Compliance
(commissioned by RSA/EMC)
The PCI DSS, a set of comprehensive requirements for enhancing payment account data security, was developed by the founding payment brands of the PCI Security Standards Council, to help facilitate the broad adoption of consistent data security measures on a global basis.
The PCI DSS is a multifaceted security standard that includes requirements for security management, policies, procedures, network architecture, software design and other critical protective measures. This comprehensive standard is intended to help organizations proactively protect customer account data.
The core of the PCI DSS is a group of principles and accompanying requirements, around which the specific elements of the DSS are organized:
| Goals |
PCI DSS Requirements |
| Build and Maintain a Secure Network |
1. Install and maintain a firewall configuration to protect cardholder data
2. Do not use vendor-supplied defaults for system passwords and other security parameters
|
| Protect Cardholder Data |
3. Protect stored cardholder data
4. Encrypt transmission of cardholder data across open, public networks |
| Maintain a Vulnerability Management Program |
5. Use and regularly update anti-virus software or programs
6. Develop and maintain secure systems and applications |
| Implement Strong Access Control Measures |
7. Restrict access to cardholder data by business need-to-know
8. Assign a unique ID to each person with computer access
9. Restrict physical access to cardholder data |
| Regularly Monitor and Test Networks |
10. Track and monitor all access to network resources and cardholder data
11.Regularly test security systems and processes |
| Maintain an Information Security Policy |
12. Maintain a policy that addresses information security for employees and contractors |
VeriFone’s VeriShield Protect encryption solution helps retailers specifically with
requirements 3, 4 and 7 by encrypting cardholder data at the point of swipe. |
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