Need to be PCI DSS compliant and reduce the risk of fraud?

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1 Need to be PCI DSS compliant and reduce the risk of fraud? NCR Security lessens your PCI compliance burden and protects the integrity of your network An NCR White Paper Experience a new world of interaction 2010 NCR Corporation

2 Introduction 1 With card fraud and identity theft continuing to increase globally, the Payment Card Industry (PCI) has introduced a new world-wide Data Security Standard (DSS) to protect sensitive cardholder data from the risk of compromise. PCI DSS demands that any financial institution, retailer or service provider that processes, stores or transmits credit or debit card data must be able to demonstrate PCI DSS compliance to a PCI DSS Qualified Security Assessor. Non-compliance means the risk of losing the ability to process payments. There are also two other key standards that apply to payment device manufacturers and payment application providers: requirements for Payment Card Industry PIN Transaction Security (PTS) and a Payment Application Data Security Standard (PA-DSS). Though device manufacturers and application providers are not themselves required to comply with the PTS security requirements or PA-DSS, it makes PCI DSS compliance far more efficient if an organisation chooses to work with partners such as NCR who has PCI approved solutions. Meeting this PCI DSS standard significantly improves an organisation s approach to information security in general not just card data so there is more to this than just passing an audit. Any investment in achieving compliance not only reaps rewards in terms of improved security but is always dwarfed by the costs of not complying, particularly when it comes to a fraudulent incident damaging brand reputation. Fraud never stands still and is continually migrating to the path of least resistance. That is why NCR is totally committed to a best practice approach to ATM network security and standards compliance. NCR s total security approach also includes a PCI PTS approved EPP (Encrypting PIN Pad) and a centralised approach to software security, control and compliance through Solidcore Suite for APTRA. NCR is the industry s first ATM vendor to have PA-DSS validated APTRA software. NCR not only helps you reduce the risks of fraud and non-compliance but also eases your audit and PCI DSS compliance burden. Overall PCI DSS requirements include security management, policies and procedures, network architecture and software design.

3 What is PCI DSS? 2 PCI DSS is a set of comprehensive requirements for enhancing payment account data security to help facilitate the broad adoption of consistent data security measures on a global basis. There are six main categories containing twelve requirements across them. Build and maintain a secure network 1. Install and maintain a firewall configuration to protect cardholder data 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 2. Do not use vendor-supplied defaults for system passwords and other security parameters 10. Track and monitor all access to network resources and cardholder data Protect cardholder data 11. Regularly test security systems and processes Protect stored cardholder data Encrypt transmission of cardholder data across open, public networks Maintain an information security policy 12. Maintain a policy that addresses information security Maintain a vulnerability management program Use and regularly update anti-virus software Develop and maintain secure systems applications

4 What is Payment Card Industry PTS (PIN Transaction Security)? 3 PTS (previously known as PCI PED) is a required element of a PCI DSS compliant environment for any ATM or unattended self-service device. This standard is primarily concerned with device characteristics impacting the security of the PIN entry device, or Encrypting PIN Pad (EPP), used by the cardholder during a financial transaction. All ATMs and self-service devices must be equipped with a PCI compliant EPP. The requirements also include device management up to the point of initial key loading, but the evaluation process only addresses device characteristics. To see NCR s listing on the PCI website Go to the PCI website: Select Approved Companies & Providers Select Approved PIN Transaction Security Select Company and enter NCR, then click search

5 What is the Payment Application Data Security Standard (PA-DSS)? 4 Because ATMs and other unattended self-service devices process and transmit card data, the software on them is considered to be a payment application. A key requirement is that this payment application must not store sensitive data. The full list of requirements is as follows: 1. Do not retain full magnetic stripe, card validation code or value (CAV2, CID, CVC2, CVV2), or PIN block data 2. Protect stored cardholder data NCR APTRA Advance NDC was the industry s first ATM application to be successfully audited by a PCI Qualified Security Assessor and achieve certification. Release was confirmed as PA-DSS compliant in July NCR APTRA Activate was confirmed as PA-DSS compliant in December 2009 (Reference Product Release ). To see NCR s listing on the PCI website Go to the PCI website: Provide secure authentication features Log payment application activity Develop secure payment applications Protect wireless transmissions Test payment applications to address vulnerabilities Facilitate secure network implementation Cardholder data must never be stored on a server connected to the Internet Facilitate secure remote software updates Facilitate secure remote access to payment application Encrypt sensitive traffic over public networks Encrypt all non-console administrative access Maintain instructional documentation and training programs for customers, resellers, and integrators Select Approved Companies & Providers Select Validated Payment Applications Check the accept button Select Company and enter NCR Financial Solution Group Ltd, then click search Now that NCR s global APTRA applications have been validated by auditors as PA-DSS compliant, we are actively working with customers who may have localised variations of these applications to ensure they have a smooth roadmap for PCI DSS compliance.

6 NCR PA-DSS Implementation Guide NCR APTRA Software Security 5 NCR s PA-DSS Implementation Guide provides comprehensive information on how to implement and deploy applications in a manner that is compliant with PCI DSS requirements. Some of the areas covered include: Protection and handling of sensitive customer data (e.g., cardholder data, PIN blocks) Secure authentication Logging Secure development practices Use of wireless networks Secure updating of the payment application Protection of network communications over non-private networks The fact that NCR was the industry s first PA-DSS certified payment application is a result of our committed approach to securing payment applications. Even before standards such as PA-DSS, NCR always removed sensitive data from its payment applications. For NCR, the key to meeting today s demand for improved security is to implement repeatable processes that reliably deliver measurably improved security. Such processes are intended to minimise the number of security defects in the design, code and documentation, and to detect and remove those defects as early in the development lifecycle as possible. In line with CMMI Level 3 development processes, NCR continues to evolve our development processes to gain optimum control over planning, risk assessment, software design, coding, static analysis, code review and testing.

7 How is NCR uniquely positioned to help you meet the PCI DSS standard? 6 Build and maintain a secure network 1. Install and maintain a firewall configuration to protect cardholder data NCR recommends the use of Windows XP firewall (SP2 or greater). APTRA applications set the firewall settings for a standalone environment. Additionally Active Directory can be used to set and maintain the XP firewall centrally. NCR APTRA software for Active Directory allows Active Directory customers to manage their security policies centrally. NCR Solidcore Suite for APTRA ensures that 2. the firewall solution/settings are not tampered with. Do not use vendor-supplied defaults for system passwords and other security parameters NCR Implementation Guides will advise how to meet this for NCR payment applications. APTRA applications provide information for the lockdown of an ATM operating system and application, as well as guidance on password control. Active Directory and NCR APTRA software for Active Directory is recommended for the centralised control of security policies and Solidcore Suite for APTRA to ensure that no un-authorised changes are made to the solution. Protect cardholder data 3. Protect cardholder data NCR provides PCI PTS compliant keyboard/ encryptor solutions. NCR and an individual ATM deployer will need to discuss the requirements to mask the Primary Account Number (PAN) on display and print will need to be considered between NCR and the individual customer. NCR s recommendation is to mask all but the first six and last four digits of a Primary Account Number, where it is displayed or printed under NCR application control. In some application environments the data to be displayed or printed comes from the Host. In these situations, the ATM deployer would be responsible. NCR PA-DSS compliant applications will only trace data in accordance with the defined PCI guidelines: Whole of track data (track 1 and/or track 2) is not stored Card validation code (CAV,CVC, CVV or CSC) is not stored PAN if stored is either masked as above or encrypted Encrypted PIN block is not stored If sensitive data is to be stored within the ATM, (note: this does not refer to temporary storage while waiting for transaction authorisation, as this is not a PCI requirement), then the data will need to be encrypted and a process agreed with the customer on who can handle the data, how it is handled and how it is stored and destroyed. NCR believes that data should never be stored unless there is a strong business imperative to do so. Not storing sensitive data significantly enhances data security.

8 7 4. Encrypt transmission of cardholder data across open, public networks NCR provides PCI PTS compliant keyboard/ encryptor solutions. NCR provides Remote Key Management (RKM) Security Automated Key Distribution. Cardholder data must be encrypted during transmission. Encrypted transmission is a customer responsibility however even before the introduction of PCI, NCR provided a global integration service for encrypted communications end-point solutions for TCP/IP environments. NCR has integrated customer driven solutions for encrypted communications and an SSL (Secure Sockets Layer) solution that can be used to meet this requirement. Maintain a vulnerability management program 5. Use and regularly update anti-virus software Although the standard speaks about anti-virus products, it is clear that the intention of this requirement is about the defence against malware threats in any shape or form. NCR recommends Solidcore Suite for APTRA not only to meet this requirement, but also to protect the network from all threats known and unknown. Solidcore for APTRA is unique in that it provides a pro-active defence to any malware, including the growing threat of insider attacks and has been certified by NSS Labs for Malware Protection against worms, trojans, spyware etc. Solidcore Suite for APTRA provides centralised management control with real-time automated reporting of all changes authorised as well as unauthorised. This capability dramatically reduces the overheads associated with achieving compliance in a manual environment. As general best practice, NCR also recommends that all standard network hygiene procedures be utilised and that all software deployed on an ATM be fully scanned for viruses prior to deployment. 6. Develop and maintain secure systems applications Because Solidcore Suite for APTRA when deployed does not allow any vulnerability to be exploited it means that patching no longer needs to be a reactive, real-time activity. The patch process can be brought back into control of the data centre. Patching represents best practice and NCR already provides impact analysis for all Microsoft patches. Although, this is a customer requirement as part of PCI DSS, NCR believes that this best-efforts service is of value as part of our industry response to security and compliance. NCR has integrated security into the development lifecycle which means that it is considered at every stage of the development lifecycle. NCR is already CMMI Level 3 certified. To augment this secure programing practice, training has been delivered to developers. And NCR was the first ATM software provider to achieve PA-DSS in 2009 for its global APTRA applications. Based on these proven credentials, NCR is now working with its regional development teams and customers to ensure that all localised APTRA applications are PA-DSS compliant.

9 8 7. Restrict access to cardholder data by business need-to-know Implemented as part of the PA-DSS requirements, NCR protects all supervisor user access with a unique User ID and secure password, which restricts access to the cardholder data environment to ensure a successful PA-DSS audit. Customers, however, require processes and procedures if any personnel require administrator access privileges. By deploying software management for patch updates NCR believes that there should be no occasion where self-service personnel need administrative access rights to an ATM core. As part of our global PA-DSS validation, 8. NCR has documented guidelines for the handling of sensitive data as part of the implementation guide. Assign a unique ID to each person with computer access In addition to PA-DSS APTRA applications, Active Directory can be employed to meet the requirement to encrypt all passwords during transmission and storage (OS/PC passwords). NCR APTRA software allows Active Directory customers to manage their security policies centrally. The use of the service personnel ID device meets the standard for local access. Where customers wish to implement remote access, NCR Professional Services can implement customer specific two factor authentication which is a requirement for PCI DSS. 9. Restrict physical access to cardholder data This section refers to the overall handling of data. With PA-DSS approved APTRA applications, NCR ensures that there is no cardholder data stored, and if there is, it is encrypted. NCR compliant applications will only trace data in debug logs in accordance with the defined PCI guidelines. Regularly monitor and test networks 10. Track and monitor all access to network resources and cardholder data Active Directory can be used to protect administrative access. NCR APTRA software allows Active Directory customers to manage their security policies centrally. APTRA Security creates a least privilege user account for supervisor. The NCR Security architecture means that all self-service functions for an ATM reside in this least privilege account. Solidcore Suite for APTRA can be deployed to provide the IT control of the system to mitigate compromise to the system. NCR has developed general processes for the handling of secure data by customer engineers. The PA-DSS implementation guide will also provide guidance. Synchronisation of system clocks mentioned in this section is an OS function.

10 9 NCR provides PA-DSS Implementation Guides to give details on how to set up audit logs on the ATM. Audit logging which tracks user activities on the system are critical to prevent, detect and minimise the impact of data compromise. 11. Regularly test security systems and processes NCR eases the burden of our customers approval process with Solidcore Suite for APTRA. Alerts are generated on the introduction of unauthorised code and unauthorised file access and the audit log provides easy and timely audit information for end systems. Maintain an information security policy 12. Maintain a policy that addresses information security NCR Services are uniquely qualified to support you in the process of achieving PCI compliance NCR has a long history in the area of standards compliance certification. This includes active contribution to international industry standards bodies such as ATM PA-DSS as well as delivering standards compliant products and services. Expanding upon this history, the latest achievement has been the PTS certification of the NCR EPP and the PA-DSS certification of a growing number of applications. NCR Services help our clients achieve PCI compliance in a controlled and structured way. We also support them in the requirement for demonstrating that compliance is maintained. The knowledge and best practices, resulting from NCR s PA-DSS certification process is used by NCR Services consultants to support the client during customised development and implementation in their payment network. Though this is a customer responsibility, NCR will work closely with customers to help generate and comply with security process where NCR personnel are involved, for example ATM maintenance. And NCR s global security network can help you proactively stay ahead of fraud.

11 Frequently Asked Questions 10 What is the Payment Card Industry Security Standards Council (PCI SSC)? The PCI SSC was founded by American Express, Discover Financial Services, MasterCard Worldwide, Visa Inc. and JCB INTERNATIONAL with the mission of creating and maintaining a global security standard to enhance payment account security. What is Payment Card Industry Data Security Standard (PCI DSS)? According to PCI, PCI security standards are technical and operational requirements set by the Payment Card Industry Security Standards Council to protect cardholder data. The standards globally govern all merchants and organisations that store, process or transmit this data with new requirements for software developers and manufacturers of applications and devices used in those transactions. This comprehensive collection of security standards is designed to enhance payment account data security. Included within the standard are requirements for security management, network architecture, software design, policies, procedures and other critical protective measures to help organisations proactively protect customer account data. What is the deadline for complying with PCI DSS? Compliance is not mandated by the PCI SSC, but by the payment card industry. Each card association is responsible for their own compliance program, including features such as who must comply, due dates, fines, etc. To determine if any deadlines apply to you, check with your acquirer, ISO and or/merchant bank, based on merchant transaction volume as determined by the card associations. All entities that transmit, process or store payment card data must be compliant with PCI DSS. What are the consequences if I do not comply with the PCI DSS? The PCI Security Standards Council encourages all businesses that store payment account data to comply with the PCI DSS to help lower the risk of fraud and reputational damage. The PCI Security Standards Council does not manage compliance programs and does not impose any consequences for non-compliance. Individual card associations have their own compliance initiatives, including financial or operational consequences to certain businesses that are not compliant. What are PA-DSS and PCI PTS? Do they just apply to ATMs? PCI DSS applies to any entity that stores, processes, or transmits cardholder data. The Payment Application Data Security Standard (PA-DSS) applies to any payment application that stores, processes, or transmits cardholder data as part of authorisation or settlement. The PCI PTS suite of standards applies to all PIN processing devices. This includes the Encrypting PIN Pad (EPP) of an ATM, or a Point of Sale PIN Entry Device or any unattended payment terminals, such as a petrol pumps. Is my NCR APTRA Software PCI compliant? PCI DSS applies to any entity that stores, processes, or transmits cardholder data. NCR is not required to be PCI DSS Compliant; it is up to the customer to be PCI DSS Compliant. However, the Payment Application Data Security Standard (PA-DSS) applies to any payment application that stores, processes, or transmits cardholder data as part of authorisation or settlement. As stated on the PCI website, NCR s global APTRA applications have been validated by auditors as PA-DSS compliant and we are actively working with customers who may have localised variations of these applications to ensure they have a smooth roadmap for PCI DSS compliance.

12 Why NCR? With over 125 years of experience and knowledge, NCR is a leading global provider of payments, assistedand self-service solutions. NCR has been the global number one manufacturer of ATMs for more than 22 consecutive years. We help our clients around the world improve their customer interactions, implement change quickly and proactively, and transform their businesses to become leaders and change agents. We can help you, too. NCR Corporation 2651 Satellite Boulevard Duluth, Georgia USA For more information on NCR, please visit: Experience a new world of interaction NCR continually improves products as new technologies and components become available. NCR, therefore, reserves the right to change specifications without prior notice. All features, functions and operations described herein may not be marketed by NCR in all parts of the world. Consult your NCR representative or NCR office for the latest information. NCR APTRA is either a registered trademark or trademark of NCR Corporation in the United States and/or other countries. All brand and product names appearing in this document are trademarks, registered trademarks or service marks of their respective holders NCR Corporation Patents Pending EB10297UK-0610

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