Data Security Requirements for K-12 January 28, Payment Card Industry (PCI)

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1 CUR RITY SE Data Security Requirements for K-12 January 28, 2010 Payment Card Industry (PCI)

2 SE CUR RITY 1 Welcome To Join The Voice Conference Dial Technical issues press 0 Q & A We ll leave time to address questions during the last 15 minutes of the presentation. You may submit questions at any time using the Ask a Question feature located in the lower right corner of the webcast console. Presentation Slides You will receive an with a link to download today s presentation.

3 SE CUR RITY What is PCI PCI is a Data Security Standard d (DSS) Governed by the Payment Card Industry (PCI) Security Council Made up of 12 requirements including standards for: Security management Policies i and procedures Network architecture Software design Other critical protective measures Transcends Industry & traditional borders 2

4 SE CUR RITY 12 PCI Requirements Goals PCI DSS Requirements Validated by Self or Outside Assessment Build and Maintain a Secure Network Protect Cardholder Data 1. Install and maintain a firewall configuration to protect cardholder data 2. Don t use vendor supplied defaults for system stem passwords and other security parameters 3. Protect stored data 4. Encrypt transmission of cardholder data across open, public networks Maintain a Vulnerability Management Program Implement Strong Access Control Measures Regularly Monitor and Test Networks 5. Use and regularly update anti virus software 6. Develop and maintain secure systems and applications 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 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 3

5 SE CUR RITY PCI for School Districts Business is business Do you accept, process, store, or transmit data? Do you have a responsibility to protect your customer data? Do hackers and identity thieves care where or how they get the data? Security transcends industry So does credit cards use Instances of identity theft continue to increase yearly in all industries i Card companies to transfer costs onto noncompliant organizations Compliance is less expensive than noncompliance 4

6 Steps to Achieving PCI SE CUR RITY Compliance What is Cardholder Data? Sensitive Authentication Data full magnetic stripe, PIN data or card validation codes Personal Account Number (PAN) plus any of the following: Cardholder name Expiration i date Service Code 5

7 Steps to Achieving PCI SE CUR RITY Compliance (cont.) Identify ALL cardholder data in your organization, consider: Electronic cardholder data residing in: Applications, databases, spreadsheets, s, files, copy machine hard drives, voice mails & calls that may (or may not) be recorded for accuracy, etc Hardcopy cardholder data residing in: desks, cabinets, trash, fax machines, copy machines, unlocked shred bins, etc Ignorance of location is no defense Vendors / 3 rd Party Processors Don t forget your vendors If they aren t complaint, find someone who is 6

8 Steps to Achieving PCI SE CUR RITY Compliance Know your level: l Definition (# of transactions annually) Level 1 More than 6 million SAQ - Self Assessment Questionnaire Network Security Scan by an ASV On-site Audit by a QSA N/A Required Quarterly Required Annually Level 2 1 to 6 million Required Annually Required Quarterly N/A Level 3 20,000 to 1 million Required Annually Required Quarterly N/A Level 4 All others Required Annually Required Quarterly N/A 7

9 Steps to Achieving PCI SE CUR RITY Compliance (cont.) PCI a three step process: Completion of the proper Self Assessment Questionnaire (SAQ) Clean Report from your Approved Scanning Vendor (ASV) Delivery of your results to the card companies Step 1: Complete the proper SAQ SAQ Self-Assessment Questionnaire Description SAQ Type ID 1 Card not present (e commerce or mail/telephone order) merchants, all cardholder data A functions outsourced. Does not apply to face to face merchants 2 Imprint only merchants with no electronic cardholder data storage B 3 Stand alone terminal merchants, no electronic cardholder data storage B 4 Merchants with POS systems connected to the Internet, no electronic cardholder data storage 5 All other merchants (not including in Types 1 4) and all service providers defined by a payment card brand as eligible to complete a SAQ C D 8

10 Steps to Achieving PCI SE CUR RITY Compliance (cont.) Step 2: ASV External Quarterly Scanning Confusion about the required types of Security Scanning External Quarterly Scan Internal Penetration and Scanning Web Application Penetration Review Wireless Security Review Define your scope advantages of a properly segmented network Step 3: Reporting Submit your completed SAQ and/or Attestation, along with any Compensating Controls Worksheets, according to instructions from your acquirer or payment brand. 9

11 Benefits of Achieving SE CUR RITY PCI Benefits of achieving i compliance Secure your customer s data Avoiding fines Trust of your customers Protect t your reputation ti Interdepartmental cooperation 10

12 Risks & Penalties of SE CUR RITY 11 Noncompliance Here is what organizations are telling us about PCI: It s just too expensive. We are just going to sit on this until we are forced to do something Data breaches cost organizations $202 per compromised customer record in 2008 a 40% increase since It is estimated a breach will cost on average of $500, in fines from the PCI Council. (this includes neither the cost of a forensic investigation, nor the fees resulting from civil/class action lawsuit.) You could also lose the ability to use credit cards I trust everyone I work with, and everyone knows they have a responsibility to protect card holder data. PCI More than 88% of all cases in this year s study involved insider negligence (stats from the Ponemon Institute, 2009)

13 SE CUR RITY Costs of PCI Compliance Costs associated with obtaining and maintaining PCI compliance are significantly less than the cost of non compliance Currently think of PCI as insurance For now - no proactive compliance monitoring for lower level merchants If hacked while not compliant, no recourse Down the Road Think of PCI as a requirement Eventually, proactive compliance monitoring will work its way down the merchant levels 12

14 SE CUR RITY Common Mistakes Assuming that since their Payment Processor is compliant, they don t need to obtain PCI Compliance Submitting SAQ with No responses. Submitting SAQ with Yes responses which are incorrect. Allowing non-qualified individuals perform the required scanning and penetration testing. Not keeping gathered information for next year. 13

15 SE CUR RITY In Conclusion Understand d your responsibility / risks Know where cardholder data resides: Stored (electronic & hardcopy) Processed Transmitted PCI requires vigilance and annual updates requires a change in culture Remember: PCI is an organizational certification (not an IT certification) 14

16 SE CUR RITY Q&A Joe Oleksak k Security Assurance Manager Judy Wright Education Partner

17 Thank you. DATA SE CURITY

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