Two Approaches to PCI-DSS Compliance

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Two Approaches to PCI-DSS Compliance"

Transcription

1 Disclaimer Copyright Michael Chapple and Jane Drews, This work is the intellectual property of the authors. Permission is granted for this material to be shared for non-commercial, educational purposes, provided that this copyright statement appears on the reproduced materials and notice is given that the copying is by permission of the author. To disseminate otherwise or to republish requires written permission from the authors. 1

2 Two Approaches to PCI-DSS Compliance EDUCAUSE Security Professionals Conference April 11, 2006

3 Agenda What is PCI-DSS? Bringing a University into Compliance Maintaining Compliance Q & A 3

4 What is PCI-DSS? Brief history of credit card infosec regulation Who must comply? Consequences of non-compliance Review of Digital Dozen 4

5 PCI DSS History Visa Cardholder Information Security Program (CISP) Mastercard Site Data Protection Program (SDP) Payment Card Industry Data Security Standard (PCI DSS) Discover Information Security Compliance Program (DISC) American Express Data Security Standard (DSS) 5

6 Who Must Comply? Payment Card Industry (PCI) Data Security requirements apply to all Members, merchants, and service providers that store, process or transmit cardholder data. Additionally, these security requirements apply to all system components which is defined as any network component, server, or application included in, or connected to, the cardholder data environment. Hopefully, That Doesn t Mean You! That Probably Means You 6

7 Merchant Levels Merchant Level Description Any merchant who processes over 6,000,000 transactions annually. Any merchant that has suffered a breach. Any merchant designated Level 1 by Visa Any merchant who processes between 150,000 and 6,000,000 e-commerce transactions annually. Any merchant who processes between 20,000 and 150,000 e-commerce transactions annually. Anyone else 7

8 Merchant Levels All merchants, regardless of level, must comply with all elements of the PCI DSS standard! Merchants at different levels have different validation requirements 8

9 Service Providers Service providers are organizations that process, store, or transmit Visa cardholder data on behalf of Visa members, merchants, or other service providers. 9

10 Consequences Reputational Risk What will the impact be on your institution s brand? Mandatory involvement of federal law enforcement in investigation Financial Risk Merchant banks may pass on substantial fines Up to $500,000 per incident from Visa alone Civil liability and cost of providing ID theft protection 10

11 Consequences Compliance Risk Exposure to Level 1 validation requirements Operational Risk Visa-imposed operational restrictions Potential loss of card processing privileges 11

12 What Does Compliance Take? 12

13 Introducing the Digital Dozen 1. Install and maintain a firewall 2. Do not use vendor default passwords 3. Protect stored data 4. Encrypt transmissions of cardholder data 13

14 Introducing the Digital Dozen 5. Use and update antivirus software 6. Develop and maintain secure systems and applications 7. Restrict access by need-to-know 8. Assign unique IDs to all users 14

15 Introducing the Digital Dozen 9. Restrict physical access to cardholder data 10. Track and monitor access to cardholder data 11. Regularly test security systems and processes 12. Maintain an information security policy 15

16 Bringing a University into Compliance Seeking assistance from consultants Centralized vs. decentralized approach Conducting a gap analysis Prioritizing remediation Infrastructure vs. tactical remediation 16

17 Seeking Assistance Self-Assessment Questionnaire ROC Quarterly network scans (annual L4) On-site assessment (only L1) Penetration test (only L1) 17

18 Centralized Approach If you build it, they will come One physical location Need space/resources Retail Applications Units will want ability to customize Use 3 rd party assessor (ROC) 18

19 Decentralized Approach Divide and Conquer Maintains autonomy (good or bad?) Stop-gap Protects investments in technology Flexible use 3 rd party or DIY 19

20 Picking an Approach Hybrid is likely Consider phases Focus efforts Prioritize! Weakest links Biggest targets Merchant setup not relevant 20

21 Conducting a Gap Analysis Top administrative support essential Policy: Comply with PCI-DSS Make friends with your money people 21

22 Conducting a Gap Analysis Preliminary meeting Phase 1 offsite review Phase 2 analysis Phase 3 onsite review Reporting and follow up 22

23 Gap Analysis - Preliminary Phone call and letter/ first Set expectations Gather information Describe systems IP addresses, locations Software and OS versions, other equipment Share documentation & request it 23

24 Gap Analysis Phase 1 Perform network scans Research Perform system scanning Complete a Self-Assessment 24

25 Gap Analysis Phase 2 Analyze preliminary results Network scans System scans Self-Assessment responses Policy/procedure documentation 25

26 Gap Analysis Phase 3 On-site review Firewall required, appropriately configured Vendor defaults changed Configuration standards Encryption (stored data & transmissions) System maintenance Access Controls, Authentication Physical security Logging and monitoring Policy and procedures 26

27 Gap Analysis No surprises Respond with formal report Disperse SAQ, summarize results 27

28 Infrastructure vs. Tactical Remediation Goal = infrastructure Centralize Control risk, comply Reality = tactical first Upgrades Configurations Employ encryption 28

29 Prioritizing Remediation Network drive by attacks Firewall System configuration & maintenance Encryption Access controls Policy and Procedure Trained staff are essential 29

30 Maintaining Compliance Testing Monitoring Audits and Self-Assessments 30

31 The Key to Success Scope Management 31

32 Testing The standard requires you to conduct vulnerability scans Level 1, 2, & 3 merchants must have them done by a qualified external vendor Standard also requires annual penetration testing 32

33 Monitoring Intrusion detection/prevention File integrity monitoring Automated audit trails Daily review One year of history Three months available online 33

34 Audits and Assessments Everyone should conduct selfassessments Level 2 & 3 merchants must conduct annual self-assessments Level 1 merchants must conduct annual on-site assessments 34

35 Design Review Environments change Critical to introduce security review into: New merchant accounts Vendor selection Architecture modifications 35

36 Q & A VISA s CISP Program site A sample credit card policy %20Handling%20Policies%20and%20Procedur es.pdf Contacts: 36

La règlementation VisaCard, MasterCard PCI-DSS

La règlementation VisaCard, MasterCard PCI-DSS La règlementation VisaCard, MasterCard PCI-DSS Conférence CLUSIF "LES RSSI FACE À L ÉVOLUTION DE LA RÉGLEMENTATION" 7 novembre 07 Serge Saghroune Overview of PCI DSS Payment Card Industry Data Security

More information

PCI Compliance. Top 10 Questions & Answers

PCI Compliance. Top 10 Questions & Answers PCI Compliance Top 10 Questions & Answers 1. What is PCI Compliance and PCI DSS? 2. Who needs to follow the PCI Data Security Standard? 3. What happens if I don t comply? 4. What are the basic requirements

More information

PCI Compliance Top 10 Questions and Answers

PCI Compliance Top 10 Questions and Answers Where every interaction matters. PCI Compliance Top 10 Questions and Answers White Paper October 2013 By: Peer 1 Hosting Product Team www.peer1.com Contents What is PCI Compliance and PCI DSS? 3 Who needs

More information

Payment Card Industry Data Security Standard

Payment Card Industry Data Security Standard Payment Card Industry Data Security Standard Abhinav Goyal, B.E.(Computer Science) MBA Finance Final Trimester Welingkar Institute of Management ISACA Bangalore chapter 13 th February 2010 Credit Card

More information

Payment Card Industry Data Security Standard (PCI DSS) Q & A November 6, 2008

Payment Card Industry Data Security Standard (PCI DSS) Q & A November 6, 2008 Payment Card Industry Data Security Standard (PCI DSS) Q & A November 6, 2008 What is the PCI DSS? And what do the acronyms CISP, SDP, DSOP and DISC stand for? The PCI DSS is a set of comprehensive requirements

More information

Payment Card Industry Data Security Standard Training. Chris Harper Vice President of Technical Services Secure Enterprise Computing, Inc.

Payment Card Industry Data Security Standard Training. Chris Harper Vice President of Technical Services Secure Enterprise Computing, Inc. Payment Card Industry Data Security Standard Training Chris Harper Vice President of Technical Services Secure Enterprise Computing, Inc. March 27, 2012 Agenda Check-In 9:00-9:30 PCI Intro and History

More information

Project Title slide Project: PCI. Are You At Risk?

Project Title slide Project: PCI. Are You At Risk? Blank slide Project Title slide Project: PCI Are You At Risk? Agenda Are You At Risk? Video What is the PCI SSC? Agenda What are the requirements of the PCI DSS? What Steps Can You Take? Available Services

More information

Frequently Asked Questions

Frequently Asked Questions PCI Compliance Frequently Asked Questions Table of Content GENERAL INFORMATION... 2 PAYMENT CARD INDUSTRY DATA SECURITY STANDARD (PCI DSS)...2 Are all merchants and service providers required to comply

More information

PCI-DSS Compliance. Ron Dinwiddie Chief Technology Officer J. Spargo & Associates

PCI-DSS Compliance. Ron Dinwiddie Chief Technology Officer J. Spargo & Associates PCI-DSS Compliance Ron Dinwiddie Chief Technology Officer J. Spargo & Associates Agenda What is PCI Compliance Why is PCI Important How does this impact me? Becoming PCI Compliant JSA PCI Strategy Risk

More information

Payment Card Industry Data Security Standards

Payment Card Industry Data Security Standards Payment Card Industry Data Security Standards The payment card industry data security standard PCI DSS Visa and MasterCard have developed the Payment Card Industry Data Security Standard or PCI DSS as

More information

Comodo HackerGuardian. PCI Security Compliance The Facts. What PCI security means for your business

Comodo HackerGuardian. PCI Security Compliance The Facts. What PCI security means for your business Comodo HackerGuardian PCI Security Compliance The Facts What PCI security means for your business Overview The Payment Card Industry Data Security Standard (PCI DSS) is a set of 12 requirements intended

More information

PCI DSS 3.0 Changes & Challenges P R E S I D E N T/ C O - F O U N D E R F R S EC U R E

PCI DSS 3.0 Changes & Challenges P R E S I D E N T/ C O - F O U N D E R F R S EC U R E PCI DSS 3.0 Changes & Challenges EVAN FRANCEN, CISSP CISM P R E S I D E N T/ C O - F O U N D E R F R S EC U R E PCI DSS 3.0 Changes & Challenges Topics FRSecure, the company Introduction to PCI-DSS Recent

More information

AISA Sydney 15 th April 2009

AISA Sydney 15 th April 2009 AISA Sydney 15 th April 2009 Where PCI stands today: Who needs to do What, by When Presented by: David Light Sense of Security Pty Ltd Agenda Overview of PCI DSS Compliance requirements What & When Risks

More information

Varonis Systems & The Payment Card Industry Data Security Standard (PCI DSS)

Varonis Systems & The Payment Card Industry Data Security Standard (PCI DSS) CONTENTS OF THIS WHITE PAPER Overview... 1 Background... 1 Who Needs To Comply... 1 What Is Considered Sensitive Data... 2 What Are the Costs/Risks of Non-Compliance... 2 How Varonis Helps With PCI Compliance...

More information

Whitepaper. PCI Compliance: Protect Your Business from Data Breach

Whitepaper. PCI Compliance: Protect Your Business from Data Breach Merchants often underestimate the financial impact of a breach. Direct costs include mandatory forensic audits, credit card replacement, fees, fines and breach remediation. PCI Compliance: Protect Your

More information

PCI Security Compliance

PCI Security Compliance E N T E R P R I S E Enterprise Security Solutions PCI Security Compliance : What PCI security means for your business The Facts Comodo HackerGuardian TM PCI and the Online Merchant Overview The Payment

More information

Worldpay s guide to the Payment Card Industry Data Security Standard (PCI DSS)

Worldpay s guide to the Payment Card Industry Data Security Standard (PCI DSS) Worldpay s guide to the Payment Card Industry Data Security Standard (PCI DSS) What is PCI DSS? The 12 Requirements Becoming compliant with SaferPayments Understanding the jargon SaferPayments Be smart.

More information

PCI DATA SECURITY STANDARD OVERVIEW

PCI DATA SECURITY STANDARD OVERVIEW PCI DATA SECURITY STANDARD OVERVIEW According to Visa, All members, merchants and service providers must adhere to the Payment Card Industry (PCI) Data Security Standard. In order to be PCI compliant,

More information

Whitepaper. PCI Compliance: Protect Your Business from Data Breach

Whitepaper. PCI Compliance: Protect Your Business from Data Breach Merchants often underestimate the financial impact of a breach. Direct costs include mandatory forensic audits, credit card replacement, fees, fines and breach remediation. PCI Compliance: Protect Your

More information

PCI Standards: A Banking Perspective

PCI Standards: A Banking Perspective Slide 1 PCI Standards: A Banking Perspective Bob Brown, CISSP Wachovia Corporate Information Security Slide 2 Agenda 1. Payment Card Initiative History 2. Description of the Industry 3. PCI-DSS Control

More information

MasterCard PCI & Site Data Protection (SDP) Program Update. Academy of Risk Management Innovate. Collaborate. Educate.

MasterCard PCI & Site Data Protection (SDP) Program Update. Academy of Risk Management Innovate. Collaborate. Educate. MasterCard PCI & Site Data Protection (SDP) Program Update Academy of Risk Management Innovate. Collaborate. Educate. The Payment Card Industry Security Standards Council (PCI SSC) Open, Global Forum Founded

More information

PCI Compliance: Protection Against Data Breaches

PCI Compliance: Protection Against Data Breaches Protection Against Data Breaches Get Started Now: 877.611.6342 to learn more. www.megapath.com The Growing Impact of Data Breaches Since 2005, there have been 4,579 data breaches (disclosed through 2013)

More information

Credit Cards and Oracle: How to Comply with PCI DSS. Stephen Kost Integrigy Corporation Session #600

Credit Cards and Oracle: How to Comply with PCI DSS. Stephen Kost Integrigy Corporation Session #600 Credit Cards and Oracle: How to Comply with PCI DSS Stephen Kost Integrigy Corporation Session #600 Background Speaker Stephen Kost CTO and Founder 16 years working with Oracle 12 years focused on Oracle

More information

PCI Compliance: How to ensure customer cardholder data is handled with care

PCI Compliance: How to ensure customer cardholder data is handled with care PCI Compliance: How to ensure customer cardholder data is handled with care Choosing a safe payment process for your business Contents Contents 2 Executive Summary 3 PCI compliance and accreditation 4

More information

2015 PCI DSS Meeting. OSU Business Affairs Projects, Improvement, and Technology (PIT) Robin Whitlock

2015 PCI DSS Meeting. OSU Business Affairs Projects, Improvement, and Technology (PIT) Robin Whitlock 2015 PCI DSS Meeting OSU Business Affairs Projects, Improvement, and Technology (PIT) Robin Whitlock 11/3/2015 Today s Presentation What do you need to do? What is PCI DSS? Why PCI DSS? Who Needs to Comply

More information

Josiah Wilkinson Internal Security Assessor. Nationwide

Josiah Wilkinson Internal Security Assessor. Nationwide Josiah Wilkinson Internal Security Assessor Nationwide Payment Card Industry Overview PCI Governance/Enforcement Agenda PCI Data Security Standard Penalties for Non-Compliance Keys to Compliance Challenges

More information

Payment Card Industry Data Security Standards.

Payment Card Industry Data Security Standards. Payment Card Industry Data Security Standards. Your guide to protecting cardholder data Helping you manage the risk. Credit Card fraud and data compromises are an increasingly serious problem, costing

More information

FORT HAYS STATE UNIVERSITY CREDIT CARD SECURITY POLICY

FORT HAYS STATE UNIVERSITY CREDIT CARD SECURITY POLICY FORT HAYS STATE UNIVERSITY CREDIT CARD SECURITY POLICY Page 1 of 6 Summary The Payment Card Industry Data Security Standard (PCI DSS), a set of comprehensive requirements for enhancing payment account

More information

PCI DSS. Payment Card Industry Data Security Standard. www.tuv.com/id

PCI DSS. Payment Card Industry Data Security Standard. www.tuv.com/id PCI DSS Payment Card Industry Data Security Standard www.tuv.com/id What Is PCI DSS? PCI DSS (Payment Card Industry Data Security Standard) is the common security standard of all major credit cards brands.the

More information

IT Security Compliance PCI DSS FOR MERCHANTS THE PAYMENT CARD INDUSTRY DATE SECURITY STANDARD WHITE PAPER

IT Security Compliance PCI DSS FOR MERCHANTS THE PAYMENT CARD INDUSTRY DATE SECURITY STANDARD WHITE PAPER July 9 th, 2012 Prepared By: Mark Akins PCI QSA, CISSP, CISA WHITE PAPER IT Security Compliance PCI DSS FOR MERCHANTS THE PAYMENT CARD INDUSTRY DATE SECURITY STANDARD PCI DSS for Merchants The Payment

More information

Don Roeber Vice President, PCI Compliance Manager. Lisa Tedeschi Assistant Vice President, Compliance Officer

Don Roeber Vice President, PCI Compliance Manager. Lisa Tedeschi Assistant Vice President, Compliance Officer Complying with the PCI DSS All the Moving Parts Don Roeber Vice President, PCI Compliance Manager Lisa Tedeschi Assistant Vice President, Compliance Officer Types of Risk Operational Risk Normal fraud

More information

Visa Account Information Security Tool Kit. Welcome to the Visa Account Information Security Program

Visa Account Information Security Tool Kit. Welcome to the Visa Account Information Security Program Visa Account Information Security Tool Kit Welcome to the Visa Account Information Security Program 2 Contents 1. Securing cardholder data is everyone s concern 4 2. Visa Account Information Security (AIS)

More information

Merchant guide to PCI DSS

Merchant guide to PCI DSS Merchant guide to PCI DSS Contents What is PCI DSS and why was it introduced?... 3 Who needs to become PCI DSS compliant?... 3 BOIPA Simple PCI DSS - 3 step approach to helping businesses... 3 What does

More information

White Paper September 2013 By Peer1 and CompliancePoint www.peer1.com. PCI DSS Compliance Clarity Out of Complexity

White Paper September 2013 By Peer1 and CompliancePoint www.peer1.com. PCI DSS Compliance Clarity Out of Complexity White Paper September 2013 By Peer1 and CompliancePoint www.peer1.com PCI DSS Compliance Clarity Out of Complexity Table of Contents Introduction 1 Businesses are losing customer data 1 Customers are learning

More information

TNHFMA 2011 Fall Institute October 12, 2011 TAKING OUR CUSTOMERS BUSINESS FORWARD. The Cost of Payment Card Data Theft and Your Business

TNHFMA 2011 Fall Institute October 12, 2011 TAKING OUR CUSTOMERS BUSINESS FORWARD. The Cost of Payment Card Data Theft and Your Business TAKING OUR CUSTOMERS BUSINESS FORWARD The Cost of Payment Card Data Theft and Your Business Aaron Lego Director of Business Development Presentation Agenda Items we will cover: 1. Background on Payment

More information

Achieving Compliance with the PCI Data Security Standard

Achieving Compliance with the PCI Data Security Standard Achieving Compliance with the PCI Data Security Standard June 2006 By Alex Woda, MBA, CISA, QDSP, QPASP This article describes the history of the Payment Card Industry (PCI) data security standards (DSS),

More information

PCI Overview. PCI-DSS: Payment Card Industry Data Security Standard

PCI Overview. PCI-DSS: Payment Card Industry Data Security Standard PCI-DSS: Payment Card Industry Data Security Standard Why is this important? Cardholder data and personally identifying information are easy money That we work with this information makes us a target That

More information

Account Information Security. Merchant Guide

Account Information Security. Merchant Guide Account Information Security Merchant Guide At Visa, protecting our cardholders is at the core of everything we do. One of the many reasons people trust our brand is that we make buying and selling safer

More information

Property of CampusGuard. Compliance With The PCI DSS

Property of CampusGuard. Compliance With The PCI DSS Compliance With The PCI DSS Today s Agenda PCI DSS Introduction How are Colleges and Universities Affected? How Do You Validate Compliance? Best Practices Q&A CampusGuard Full-Service QSA/ASV Firm We Know

More information

PCI Compliance. How to Meet Payment Card Industry Compliance Standards. May 2015. cliftonlarsonallen.com. 2015 CliftonLarsonAllen LLP

PCI Compliance. How to Meet Payment Card Industry Compliance Standards. May 2015. cliftonlarsonallen.com. 2015 CliftonLarsonAllen LLP 2015 CliftonLarsonAllen LLP PCI Compliance How to Meet Payment Card Industry Compliance Standards May 2015 cliftonlarsonallen.com Overview PCI DSS In the beginning Each major card brand had its own separate

More information

PCI Data Security Standards

PCI Data Security Standards PCI Data Security Standards An Introduction to Bankcard Data Security Why should we worry? Since 2005, over 500 million customer records have been reported as lost or stolen 1 In 2010 alone, over 134 million

More information

05.118 Credit Card Acceptance Policy. Vice Chancellor of Business Affairs. History: Effective July 1, 2011 Updated February 2013

05.118 Credit Card Acceptance Policy. Vice Chancellor of Business Affairs. History: Effective July 1, 2011 Updated February 2013 05.118 Credit Card Acceptance Policy Authority: Vice Chancellor of Business Affairs History: Effective July 1, 2011 Updated February 2013 Source of Authority: Office of State Controller (OSC); Office of

More information

Payment Card Industry Data Security Standard (PCI DSS) v1.2

Payment Card Industry Data Security Standard (PCI DSS) v1.2 Payment Card Industry Data Security Standard (PCI DSS) v1.2 Joint LA-ISACA and SFV-IIA Meeting February 19, 2009 Presented by Mike O. Villegas, CISA, CISSP 2009-1- Agenda Introduction to PCI DSS Overview

More information

CHEAT SHEET: PCI DSS 3.1 COMPLIANCE

CHEAT SHEET: PCI DSS 3.1 COMPLIANCE CHEAT SHEET: PCI DSS 3.1 COMPLIANCE WHAT IS PCI DSS? Payment Card Industry Data Security Standard Information security standard for organizations that handle data for debit, credit, prepaid, e-purse, ATM,

More information

Are You Prepared to Successfully Pass a PCI-DSS and/or a FISMA Certification Assessment? Fiona Pattinson, SHARE: Seattle 2010

Are You Prepared to Successfully Pass a PCI-DSS and/or a FISMA Certification Assessment? Fiona Pattinson, SHARE: Seattle 2010 Are You Prepared to Successfully Pass a PCI-DSS and/or a FISMA Certification Assessment? Fiona Pattinson, SHARE: Seattle 2010 atsec information security, 2010 About This Presentation About PCI assessment

More information

WHITE PAPER. PCI Basics: What it Takes to Be Compliant

WHITE PAPER. PCI Basics: What it Takes to Be Compliant WHITE PAPER PCI Basics: What it Takes to Be Compliant Introduction A long-running worldwide advertising campaign by Visa states that the card is accepted everywhere you want to be. Unfortunately, and through

More information

Introduction to PCI DSS Compliance. May 18, 2009 1:15 p.m. 2:15 p.m.

Introduction to PCI DSS Compliance. May 18, 2009 1:15 p.m. 2:15 p.m. Introduction to PCI DSS Compliance May 18, 2009 1:15 p.m. 2:15 p.m. Disclaimer The opinions of the contributors expressed herein do not necessarily state or reflect those of the National Association of

More information

SecurityMetrics Introduction to PCI Compliance

SecurityMetrics Introduction to PCI Compliance SecurityMetrics Introduction to PCI Compliance Card Data Compromise What is a card data compromise? A card data compromise occurs when payment card information is stolen from a merchant. Some examples

More information

Information Security Services. Achieving PCI compliance with Dell SecureWorks security services

Information Security Services. Achieving PCI compliance with Dell SecureWorks security services Information Security Services Achieving PCI compliance with Dell SecureWorks security services Executive summary In October 2010, the Payment Card Industry (PCI) issued the new Data Security Standard (DSS)

More information

E Pay. A Case Study in PCI Compliance. Illinois State Treasurer. Dan Rutherford

E Pay. A Case Study in PCI Compliance. Illinois State Treasurer. Dan Rutherford E Pay A Case Study in PCI Compliance Illinois State Treasurer Dan Rutherford What is PCI? The Payment Card Industry s Data Security Standard states: PCI Data Security Requirements applies to all members,

More information

PCI Compliance at The University of South Carolina. Failure is not an option. Rick Lambert PMP University of South Carolina ricklambert@sc.

PCI Compliance at The University of South Carolina. Failure is not an option. Rick Lambert PMP University of South Carolina ricklambert@sc. PCI Compliance at The University of South Carolina Failure is not an option Rick Lambert PMP University of South Carolina ricklambert@sc.edu Payment Card Industry Data Security Standard (PCI DSS) Who Must

More information

COLORADO STATE UNIVERSITY Financial Procedure Statements FPI 6-6

COLORADO STATE UNIVERSITY Financial Procedure Statements FPI 6-6 1. Procedure Title: PCI Compliance Program COLORADO STATE UNIVERSITY Financial Procedure Statements FPI 6-6 2. Procedure Purpose and Effect: All Colorado State University departments that accept credit/debit

More information

Credit Cards and Oracle E-Business Suite Security and PCI Compliance Issues

Credit Cards and Oracle E-Business Suite Security and PCI Compliance Issues Credit Cards and Oracle E-Business Suite Security and PCI Compliance Issues August 16, 2012 Stephen Kost Chief Technology Officer Integrigy Corporation Phil Reimann Director of Business Development Integrigy

More information

PCI Compliance for Cloud Applications

PCI Compliance for Cloud Applications What Is It? The Payment Card Industry Data Security Standard (PCIDSS), in particular v3.0, aims to reduce credit card fraud by minimizing the risks associated with the transmission, processing, and storage

More information

PC-DSS Compliance Strategies. 2011 NDUS CIO Retreat July 27, 2011 Theresa Semmens, CISA

PC-DSS Compliance Strategies. 2011 NDUS CIO Retreat July 27, 2011 Theresa Semmens, CISA PC-DSS Compliance Strategies 2011 NDUS CIO Retreat July 27, 2011 Theresa Semmens, CISA True or False Now that my institution has outsourced credit card processing, I don t have to worry about compliance?

More information

Your guide to the Payment Card Industry Data Security Standard (PCI DSS) Merchant Business Solutions. Version 5.0 (April 2011)

Your guide to the Payment Card Industry Data Security Standard (PCI DSS) Merchant Business Solutions. Version 5.0 (April 2011) Your guide to the Payment Card Industry Data Security Standard (PCI DSS) Merchant Business Solutions Version 5.0 (April 2011) Contents Contents...2 Introduction...3 What are the 12 key requirements of

More information

Why Is Compliance with PCI DSS Important?

Why Is Compliance with PCI DSS Important? Why Is Compliance with PCI DSS Important? The members of PCI Security Standards Council (American Express, Discover, JCB, MasterCard, and Visa) continually monitor cases of account data compromise. These

More information

Cyber Security: Secure Credit Card Payment Process Payment Card Industry Standard Compliance

Cyber Security: Secure Credit Card Payment Process Payment Card Industry Standard Compliance Cyber Security: Secure Credit Card Payment Process Payment Card Industry Standard Compliance A Non-Technical Guide Essential for Business Managers Office Managers Operations Managers Compliant? Bank Name

More information

Security Breaches and Vulnerability Experiences Overview of PCI DSS Initiative and CISP Payment Application Best Practices Questions and Comments

Security Breaches and Vulnerability Experiences Overview of PCI DSS Initiative and CISP Payment Application Best Practices Questions and Comments Security in the Payment Card Industry OWASP AppSec Seattle Oct 2006 Hap Huynh, Information Security Specialist, Visa USA hhuynh@visa.com Copyright 2006 - The OWASP Foundation Permission is granted to copy,

More information

Payment Card Industry Data Security Standard

Payment Card Industry Data Security Standard Payment Card Industry Data Security Standard Office of the State Treasurer Ryan Pitroff Banking Services Manager Ryan.Pitroff@tre.wa.gov PCI-DSS A common set of industry tools and measurements to help

More information

PAYMENT CARD INDUSTRY (PCI) COMPLIANCE HISTORY & OVERVIEW

PAYMENT CARD INDUSTRY (PCI) COMPLIANCE HISTORY & OVERVIEW PAYMENT CARD INDUSTRY (PCI) COMPLIANCE HISTORY & OVERVIEW David Kittle Chief Information Officer Chris Ditmarsch Network & Security Administrator Smoker Friendly International / The Cigarette Store Corp

More information

Best Practices (Top Security Tips)

Best Practices (Top Security Tips) Best Practices (Top Security Tips) For use with all versions of PDshop Revised: 10/1/2015 PageDown Technology, LLC / Copyright 2002-2015 All Rights Reserved. 1 Table of Contents Table of Contents... 2

More information

CREDIT CARD MERCHANT PROCEDURES MANUAL. Effective Date: 5/25/2011

CREDIT CARD MERCHANT PROCEDURES MANUAL. Effective Date: 5/25/2011 CREDIT CARD MERCHANT PROCEDURES MANUAL Effective Date: 5/25/2011 Updated: May 25, 2011 TABLE OF CONTENTS Introduction... 1 Third-Party Vendors... 1 Merchant Account Set-up... 2 Personnel Requirements...

More information

A Compliance Overview for the Payment Card Industry (PCI)

A Compliance Overview for the Payment Card Industry (PCI) A Compliance Overview for the Payment Card Industry (PCI) Many organizations are aware of the Payment Card Industry (PCI) and PCI compliance but are unsure if they are doing everything necessary. This

More information

What are the PCI DSS requirements? PCI DSS comprises twelve requirements, often referred to as the digital dozen. These define the need to:

What are the PCI DSS requirements? PCI DSS comprises twelve requirements, often referred to as the digital dozen. These define the need to: What is the PCI standards council? The Payment Card Industry Standards Council is an institution set-up by American Express, Discover Financial Services, JCB, MasterCard Worldwide and Visa International

More information

Payment Card Industry Compliance Overview

Payment Card Industry Compliance Overview January 31, 2014 11:30am 12:30pm Central Hosted by: Texas.gov Presented by: Jayne Holland Barbara Brinson Payment Card Industry Compliance Overview Securing Government Payments Audio Dial In: 866-740-1260

More information

PCI Compliance. What is New in Payment Card Industry Compliance Standards. October 2015. cliftonlarsonallen.com. 2015 CliftonLarsonAllen LLP

PCI Compliance. What is New in Payment Card Industry Compliance Standards. October 2015. cliftonlarsonallen.com. 2015 CliftonLarsonAllen LLP cliftonlarsonallen.com PCI Compliance What is New in Payment Card Industry Compliance Standards October 2015 Overview PCI DSS In the beginning Each major card brand had its own separate criteria for implementing

More information

Net Report s PCI DSS Version 1.1 Compliance Suite

Net Report s PCI DSS Version 1.1 Compliance Suite Net Report s PCI DSS Version 1.1 Compliance Suite Real Security Log Management! July 2007 1 Executive Summary The strict requirements of the Payment Card Industry (PCI) Data Security Standard (DSS) are

More information

The Cost of Payment Card Data Theft and Your Business. Aaron Lego Director of Business Development

The Cost of Payment Card Data Theft and Your Business. Aaron Lego Director of Business Development The Cost of Payment Card Data Theft and Your Business Aaron Lego Director of Business Development Presentation Agenda Items we will cover: 1. Background on Payment Card Industry Data Security Standards

More information

Section 3.9 PCI DSS Information Security Policy Issued: June 2016 Replaces: January 2015

Section 3.9 PCI DSS Information Security Policy Issued: June 2016 Replaces: January 2015 Section 3.9 PCI DSS Information Security Policy Issued: June 2016 Replaces: January 2015 I. PURPOSE The purpose of this policy is to establish guidelines for processing charges on Payment Cards to protect

More information

Becoming PCI Compliant

Becoming PCI Compliant Becoming PCI Compliant Jason Brown - brownj52@michigan.gov Enterprise Security Architect Enterprise Architecture Department of Technology, Management and Budget State of Michigan @jasonbrown17 History

More information

Payment Card Industry Data Security Standard PCI-DSS #SA7D, Platform Database, Tuning & Security

Payment Card Industry Data Security Standard PCI-DSS #SA7D, Platform Database, Tuning & Security Payment Card Industry Data Security Standard PCI-DSS #SA7D, Platform Database, Tuning & Security John Mason Slides & Code - labs.fusionlink.com Blog - www.codfusion.com What is PCI-DSS? Created by the

More information

This appendix is a supplement to the Local Government Information Security: Getting Started Guide, a non-technical reference essential for elected

This appendix is a supplement to the Local Government Information Security: Getting Started Guide, a non-technical reference essential for elected This appendix is a supplement to the Local Government Information Security: Getting Started Guide, a non-technical reference essential for elected officials, administrative officials and business managers.

More information

Payment Card Industry Data Security Standard (PCI DSS) and Payment Application Data Security Standard (PA-DSS) Frequently Asked Questions

Payment Card Industry Data Security Standard (PCI DSS) and Payment Application Data Security Standard (PA-DSS) Frequently Asked Questions PCI/PA-DSS FAQs Payment Card Industry Data Security Standard (PCI DSS) and Payment Application Data Security Standard (PA-DSS) Frequently Asked Questions What is PCI DSS? The Payment Card Industry Data

More information

PCI: The Dark Side. May 2012 Roanoke, VA

PCI: The Dark Side. May 2012 Roanoke, VA PCI: The Dark Side May 2012 Roanoke, VA Agenda The problem Who are they? Why? What do they steal? How do they do it? What can they do with it? How can you stop it? Ron King, Ed Ko, CampusGuard CampusGuard

More information

PCI Compliance Overview

PCI Compliance Overview PCI Compliance Overview 1 PCI DSS Payment Card Industry Data Security Standard Standard that is applied to: Merchants Service Providers (Banks, Third party vendors, gateways) Systems (Hardware, software)

More information

Payment Card Industry Data Security Standard (PCI DSS)

Payment Card Industry Data Security Standard (PCI DSS) Payment Card Industry Data Security Standard (PCI DSS) WARNING: Your company may be in noncompliance with the Payment Card Industry Data Security Standard (PCI DSS), placing it at risk of brand damage,

More information

Important Info for Youth Sports Associations

Important Info for Youth Sports Associations Important Info for Youth Sports Associations What the Heck is PCI DSS and Why Should I Care? Joe Posey Terrapin Financial Services Your Club is an ecommerce Business You accept online registration over

More information

Security standards PCI-DSS, HIPAA, FISMA, ISO 27001. End Point Corporation, Jon Jensen, 2014-07-11

Security standards PCI-DSS, HIPAA, FISMA, ISO 27001. End Point Corporation, Jon Jensen, 2014-07-11 Security standards PCI-DSS, HIPAA, FISMA, ISO 27001 End Point Corporation, Jon Jensen, 2014-07-11 PCI DSS Payment Card Industry Data Security Standard There are other PCI standards beside DSS but this

More information

Protecting Your Customers' Card Data. Presented By: Oliver Pinson-Roxburgh

Protecting Your Customers' Card Data. Presented By: Oliver Pinson-Roxburgh Protecting Your Customers' Card Data Presented By: Oliver Pinson-Roxburgh Agenda Trustwave Overview PCI Scope Compromise Statistics PCI Makes Business Sense Registration Process TrustKeeper Features Support

More information

Recent Developments in PCI DSS. PCI in the Headlines Risks to Higher Education PCI DSS Version 1.2

Recent Developments in PCI DSS. PCI in the Headlines Risks to Higher Education PCI DSS Version 1.2 Recent Developments in PCI DSS PCI in the Headlines Risks to Higher Education PCI DSS Version 1.2 1 2009 Breach Investigation Who did it? 74% external parties 20% insiders 32% implicated business partners

More information

PAI Secure Program Guide

PAI Secure Program Guide PAI Secure Program Guide A complete guide to understanding the Payment Card Industry Data Security Requirements and utilizing the PAI Secure Program. Letter From the CEO Welcome to PAI Secure. As you

More information

VISA EUROPE ACCOUNT INFORMATION SECURITY (AIS) PROGRAMME FREQUENTLY ASKED QUESTIONS (FAQS)

VISA EUROPE ACCOUNT INFORMATION SECURITY (AIS) PROGRAMME FREQUENTLY ASKED QUESTIONS (FAQS) VISA EUROPE ACCOUNT INFORMATION SECURITY (AIS) PROGRAMME FREQUENTLY ASKED QUESTIONS (FAQS) Q1: What is the purpose of the AIS programme? Q2: What exactly is the Payment Card Industry (PCI) Data Security

More information

PCI Compliance and the Data Security Standards. A x i a. For more information visit www.axiapayments.com/pci. Your partner in payment services

PCI Compliance and the Data Security Standards. A x i a. For more information visit www.axiapayments.com/pci. Your partner in payment services PCI Compliance and the Data Security Standards Introduction The PCI DSS, a set of comprehensive requirements for enhancing payment account data security, was developed by the founding payment brands of

More information

Information for merchants. Program implementation details for merchants. Payment Card Industry Data Security Standard (PCI DSS)

Information for merchants. Program implementation details for merchants. Payment Card Industry Data Security Standard (PCI DSS) Postbank P.O.S. Transact GmbH (now EVO Kartenakzeptanz GmbH) has recently been purchased by EVO Payments International Group Program implementation details for merchants Payment Card Industry Data Security

More information

Strategies To Effective PCI Scoping ISACA Columbus Chapter Presentation October 2008

Strategies To Effective PCI Scoping ISACA Columbus Chapter Presentation October 2008 Strategies To Effective PCI Scoping ISACA Columbus Chapter Presentation October 2008 Matthew T. Davis SecureState, LLC mdavis@securestate.com SecureState Founded in 2001, Based on Cleveland Specialized

More information

115 th Annual Convention

115 th Annual Convention 115 th Annual Convention Date: Saturday, October 12, 2013 Time: 11:00 am 12:00 pm Location: The Walt Disney World Swan and Dolphin Resort, Southern Hemisphere Salon 4-5 Title: Activity Type: Speaker: Data

More information

Teleran PCI Customer Case Study

Teleran PCI Customer Case Study Teleran PCI Customer Case Study Written by Director of Credit Card Systems for Large Credit Card Issuer Customer Case Study Summary A large credit card issuer was engaged in a Payment Card Industry Data

More information

CARD PAYMENT POLICY May 2016

CARD PAYMENT POLICY May 2016 CARD PAYMENT POLICY May 2016 1. Introduction All businesses that handle card payment data are required to comply with industry rules aimed at increasing data security. These are set out in the Payment

More information

PCI-DSS: A Step-by-Step Payment Card Security Approach. Amy Mushahwar & Mason Weisz

PCI-DSS: A Step-by-Step Payment Card Security Approach. Amy Mushahwar & Mason Weisz PCI-DSS: A Step-by-Step Payment Card Security Approach Amy Mushahwar & Mason Weisz The PCI-DSS in a Nutshell It mandates security processes for handling, processing, storing and transmitting payment card

More information

Technical breakout session

Technical breakout session Technical breakout session Small leaks sink great ships Managing data security, fraud and privacy risks Tarlok Birdi, Deloitte Ron Borsholm, WTS May 27, 2009 Agenda 1. PCI overview: the technical intent

More information

PCI DSS. CollectorSolutions, Incorporated

PCI DSS. CollectorSolutions, Incorporated PCI DSS Robert Cothran President CollectorSolutions www.collectorsolutions.com CollectorSolutions, Incorporated Founded as Florida C corporation in 1999 Approximately 235 clients in 35 states Targeted

More information

CORE Security and the Payment Card Industry Data Security Standard (PCI DSS)

CORE Security and the Payment Card Industry Data Security Standard (PCI DSS) CORE Security and the Payment Card Industry Data Security Standard (PCI DSS) Addressing the PCI DSS with Predictive Security Intelligence Solutions from CORE Security CORE Security +1 617.399-6980 info@coresecurity.com

More information

SECTION: SUBJECT: PCI-DSS General Guidelines and Procedures

SECTION: SUBJECT: PCI-DSS General Guidelines and Procedures 1. Introduction 1.1. Purpose and Background 1.2. Central Coordinator Contact 1.3. Payment Card Industry Data Security Standards (PCI-DSS) High Level Overview 2. PCI-DSS Guidelines - Division of Responsibilities

More information

It Won t Happen To Me! A Network and PCI Security Webinar Presented By FMS and VendorSafe

It Won t Happen To Me! A Network and PCI Security Webinar Presented By FMS and VendorSafe It Won t Happen To Me! A Network and PCI Security Webinar Presented By FMS and VendorSafe Agenda Who Is VendorSafe Technologies? It Won t Happen to Me! PCI DSS Overview The VendorSafe Solution Questions

More information

PCI Compliance : What does this mean for the Australian Market Place? Nov 2007

PCI Compliance : What does this mean for the Australian Market Place? Nov 2007 Sense of Security Pty Ltd (ABN 14 098 237 908) 306, 66 King St Sydney NSW 2000 Australia Tel: +61 (0)2 9290 4444 Fax: +61 (0)2 9290 4455 info@senseofsecurity.com.au PCI Compliance : What does this mean

More information

Presented By: Bryan Miller CCIE, CISSP

Presented By: Bryan Miller CCIE, CISSP Presented By: Bryan Miller CCIE, CISSP Introduction Why the Need History of PCI Terminology The Current Standard Who Must Be Compliant and When What Makes this Standard Different Roadmap to Compliance

More information

Payment Card Industry Data Security Standard Explained

Payment Card Industry Data Security Standard Explained Payment Card Industry Data Security Standard Explained Agenda Overview of PCI DSS Compliance Levels and Requirements PCI DSS in More Detail Discussion, Questions and Clarifications Overview of PCI-DSS

More information

A PCI Journey with Wichita State University

A PCI Journey with Wichita State University A PCI Journey with Wichita State University Blaine Linehan System Software Analyst III Financial Operations & Business Technology Division of Administration & Finance 1 Question #1 How many of you know

More information