Understanding the Role of Hardware Data Encryption in EMV and P2PE from the CEO s Perspective

Size: px
Start display at page:

Download "Understanding the Role of Hardware Data Encryption in EMV and P2PE from the CEO s Perspective"

Transcription

1 Understanding the Role of Hardware Data Encryption in EMV and P2PE from the CEO s Perspective

2 Futurex. An Innovative Leader in Encryption Solutions. For over 30 years, more than 15,000 customers worldwide Hardware-based solutions with integrated applications provide the highest levels of compliance and security Entrepreneurial culture, fostering agility and innovation in the development of hardware encryption solutions Results-oriented engineering team based in our U.S. Technology Campus, with significant experience delivering First-to-Market Customer Initiatives Members of ANSI X9F and PCI Security Standards Council bodies, CTGA-certified Solutions Architects

3 Unique Perspective of Futurex As a hardware data encryption provider, Futurex has a unique perspective of security in card transactions. Issuers: data preparation, personalization, validation Device Manufacturers: Certificate Authority (CA) and key management Merchant Service Providers: key management and CA Merchants: transaction security and key management Acquirers: processing encrypted data in transactions Switches: processing encrypted data in transactions 3

4 Why Use Hardware Security Modules? Prevents insider attack Dual Control Split Knowledge Tamper Protection for Keys Encryption Key Management PCI Requirement (aka SCD) Certifications (FIPS, PCI HSM) 4

5 PCI Requirements for HSMs In addition, PCI DSS Requirement it is important to HSM note Coverage that (*Summary) in EMV #3.4 Render PAN unreadable Encryption, decryption, tokenization environments the PAN is not kept confidential at any #3.5 Protect point any in keys the transaction, FIPS indeed, Level 3 Secure it is Cryptographic necessary Devices (SCDs) for the PAN to be processed by the point-of-sale #3.6 Fully document and NIST approved pseudo random number terminal implement key-management in the clear in generator order (PRNG), to complete use key encrypting critical keys, steps in the EMV transaction and protect process. all keys under The the Master expiry File Key. date and other cardholder data are also transmitted in clear-text. #4.1 Use strong cryptography to protect cardholder data Meet PCI requirements for strong cryptography. Ref: PCI DSS Applicability in an EMV Environment A Guidance Document October 2010 * Full details provided in separate white paper.

6 Attack Vectors in a Card Transaction Card Issuer Payment Card Brand Transaction Acquirer Point-of-Interaction Cardholder 1. Card cloning attacks 2. Attacks internal to POI devices 3. Network attacks 4. System level attacks P2PE technology is complementary to EMV chip technology, by providing an added layer of protection against the threat of data breaches... Aug 2012 VISA Press Release on PR Newswire. A. Malware attacks B. Attacks on applications and databases C. Attacks on backups/storages media

7 Role of HSM in EMV Online Card Validation During Transaction Data Preparation and Card Personalization 7

8 Host Card Issuer HSM/SCD 32 Role of HSM in EMV Online Card Validation During Transaction Payment Card Brand Transaction Acquirer Point-of-Interaction Cardholder 3. Response 1. Request Cryptogram 1.Authentication request from POI to issuer 2. Issuer validates request 3. Response from issuer to POI

9 Role of HSM in EMV Data Preparation and Card Personalization Issuer Data Preparation Personalization Integrated Circuit Card (ICC) or Smart Card HSM/SCD HSM/SCD Data Preparation Key generation for authentication Digital signatures for authentication and data integrity Standards-based PIN block creation for user authentication Personalization Key generation for confidentiality, authentication, and data integrity Protection of sensitive personalization data

10 Role of HSM in P2PE What is Point-to-Point Encryption? Protecting Data In Transit: Device Key Management Encryption, Decryption, Key Management, Tokens 10

11 What is Point-to-Point Encryption? Point-to-Point Encryption (P2PE) is encryption of sensitive data at the Point-of-Interaction for secure transmission to a secure boundary where it may be decrypted, re-encrypted or tokenized. Point of Interaction HSM/SCD Host Application

12 The Role of HSMs in P2PE Protecting Data in Transit: Device Key Management HSM for compliant key generation Remote or direct key injection Key lifecycle management Datacenter HSM/SCD Secure Injection Facility Remote Device Generate Distribute Track Usage Backup Revoke Terminate Archive HSM/SCD

13 Role of HSM in P2PE Encryption, Decryption, Key Management & Tokens Merchant (POI) Acquirer Host Switch Host DB HSM/SCD DB = Encryption/Decryption = Data At Rest = Token = Data In Transit Encryption and Decryption Key Management Tokens * Case Study available upon request

14 Role of HSM in EMV and P2PE Environments Typical Architecture of HSMs Services to Look for in an HSM Provider What to Ask for when Selecting HSMs 14

15 Typical Architecture for HSMs Remote Access Device Primary Site Secure Management Server HSM #1 HSM #2 Direct Load Balancing Redundant Failover Secondary Site Secure Management Server HSM #1 HSM #2 Remote Access Centralized Administration High Availability Redundant Compliant Secured Customizable Automatic Synchronization* (All devices designated as Production within group)

16 Exceptional Support Services to Look For in an HSM Provider TR-39-certified and PCI Subject Matter Experts 24x7x365 Business Critical support Exceptional Support Services Training (virtual or onsite) Customized consulting Hosted solutions Certificate authority Hosted HSMs for development and testing Customized solution development

17 In Summary What to ask for when selecting HSMs Is the solution comprehensive? Is the solution manageable (i.e., will you be able to pass audits easily)? Is the solution scalable? Does the vendor s support team have expertise in industry compliance requirements? 17

18 Thank You! Greg Stone Sr. Solutions Architect Ryan Smith Chief Solutions Architect Booth #708 18

Point-to-Point Encryption

Point-to-Point Encryption Payment Card Industry (PCI) Point-to-Point Encryption Solution Requirements: Encryption, Decryption, and Key Management within Secure Cryptographic Devices (Hardware/Hardware) Initial Release: Version

More information

MPOS: RISK AND SECURITY

MPOS: RISK AND SECURITY MPOS: RISK AND SECURITY 2 Evolution of Payment Acceptance Consumers want to get the best deal with the minimum pain Sellers want to ensure they never turn down a sale and maximise consumer loyalty 3 Evolution

More information

Payment Card Industry (PCI) Point-to-Point Encryption

Payment Card Industry (PCI) Point-to-Point Encryption Payment Card Industry (PCI) Point-to-Point Encryption Solution Requirements and : Encryption, Decryption, and Key Management within Secure Cryptographic Devices (Hardware/Hardware) Version 1.1.1 July 2013

More information

Guide to Data Field Encryption

Guide to Data Field Encryption Guide to Data Field Encryption Contents Introduction 2 Common Concepts and Glossary 3 Encryption 3 Data Field Encryption 3 Cryptography 3 Keys and Key Management 5 Secure Cryptographic Device 7 Considerations

More information

Payment Card Industry (PCI) Point-to-Point Encryption

Payment Card Industry (PCI) Point-to-Point Encryption Payment Card Industry (PCI) Point-to-Point Encryption Solution Requirements and Version 2.0 June 2015 Document Changes Date Version Description 14 September 2011 1.0 April 2012 1.1 June 2014 2.0 Initial

More information

Payment Card Industry (PCI) PIN Security. Requirements and Testing Procedures. Version 2.0. December 2014

Payment Card Industry (PCI) PIN Security. Requirements and Testing Procedures. Version 2.0. December 2014 Payment Card Industry (PCI) PIN Security Requirements and Version 2.0 December 2014 Document Changes Date Version Description October 2011 1.0 Initial release of PCI December 2014 2.0 Initial release of

More information

Data Protection and Mobile Payments. Jose Diaz - Business Development & Technical Alliances Ted Heiman Key Account Manager Thales e-security

Data Protection and Mobile Payments. Jose Diaz - Business Development & Technical Alliances Ted Heiman Key Account Manager Thales e-security Data Protection and Mobile Payments Jose Diaz - Business Development & Technical Alliances Ted Heiman Key Account Manager Thales e-security 2 Today s reality It s a data-centric world. And the data is

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) What is PCI SSC? A 12 year old independent industry standards body providing oversight of the development and management of Payment Card Industry

More information

Meet The Family. Payment Security Standards

Meet The Family. Payment Security Standards Meet The Family Payment Security Standards Meet The Family Payment Security Standards Payment Processing Electronic payments are increasingly becoming part of our everyday lives. For most people, it can

More information

PCI P2PE 2.0. What Does it Mean for Merchants and Processors? September 10, 2015

PCI P2PE 2.0. What Does it Mean for Merchants and Processors? September 10, 2015 PCI P2PE 2.0 What Does it Mean for Merchants and Processors? September 10, 2015 Agenda Housekeeping Presenters About Conexxus Presentation Q& A 2015 Conexxus Webinar Schedule* Month/Date Webinar Title

More information

PCI PA-DSS Requirements. For hardware vendors

PCI PA-DSS Requirements. For hardware vendors PCI PA-DSS Requirements For hardware vendors PCI security services UL's streamlined PCI PA-DSS certification services get your product to market faster. UL is world leader in advancing safety. Through

More information

Complying with PCI Data Security

Complying with PCI Data Security Complying with PCI Data Security Solution BRIEF Retailers, financial institutions, data processors, and any other vendors that manage credit card holder data today must adhere to strict policies for ensuring

More information

The Relationship Between PCI, Encryption and Tokenization: What you need to know

The Relationship Between PCI, Encryption and Tokenization: What you need to know October 2014 The Relationship Between PCI, Encryption and Tokenization: What you need to know Mike English Executive Director, Product Development Heartland Payment Systems 2014 Heartland Payment Systems,

More information

Key Steps to Meeting PCI DSS 2.0 Requirements Using Sensitive Data Discovery and Masking

Key Steps to Meeting PCI DSS 2.0 Requirements Using Sensitive Data Discovery and Masking Key Steps to Meeting PCI DSS 2.0 Requirements Using Sensitive Data Discovery and Masking SUMMARY The Payment Card Industry Data Security Standard (PCI DSS) defines 12 high-level security requirements directed

More information

PCI DSS FAQ. The twelve requirements of the PCI DSS are defined as follows:

PCI DSS FAQ. The twelve requirements of the PCI DSS are defined as follows: What is PCI DSS? PCI DSS is an acronym for Payment Card Industry Data Security Standards. PCI DSS is a global initiative intent on securing credit and banking transactions by merchants & service providers

More information

Initial Roadmap: Point-to-Point Encryption Technology and PCI DSS Compliance

Initial Roadmap: Point-to-Point Encryption Technology and PCI DSS Compliance Emerging Technology Whitepaper Initial Roadmap: Point-to-Point Encryption Technology and PCI DSS Compliance For Transmissions of Cardholder Data and Sensitive Authentication Data Program Guide Version

More information

rguest Pay Gateway: A Solution Review

rguest Pay Gateway: A Solution Review rguest Pay Gateway: A Solution Review TABLE OF CONTENTS Introduction...3 Why P2PE?...4 PCI P2PE Standards...4 Buyer Beware...6 PCI DSS Scope Reduction...6 P2PE Payment Terminals...7 The Payment Information

More information

Payment Transactions Security & Enforcement

Payment Transactions Security & Enforcement Payment Transactions Security & Enforcement A REPORT FROM NEWNET COMMUNICATION TECHNOLOGIES, LLC Copyright NewNet Communication Technologies, LLC. 700 East Butterfield Road, Suite 350, Lombard, IL 60148

More information

Efficient Key Management for Oracle Database 11g Release 2 Using Hardware Security Modules

Efficient Key Management for Oracle Database 11g Release 2 Using Hardware Security Modules Efficient Key Management for Oracle Database 11g Release 2 Using Hardware Security Modules WHITE PAPER Thales e-security www.thalesesec.com/oracle TABLE OF CONTENT Introduction...3 Oracle Database 11g

More information

Point-to-Point Encryption (P2PE)

Point-to-Point Encryption (P2PE) Payment Card Industry (PCI) Point-to-Point Encryption (P2PE) Frequently Asked Questions for PCI Point-to- Point Encryption (P2PE) August 2012 Frequently Asked Questions (FAQs) For PCI Point-to-Point Encryption

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 (PCI) PIN Security Requirements. Version 1.0

Payment Card Industry (PCI) PIN Security Requirements. Version 1.0 Payment Card Industry (PCI) PIN Security Requirements Version 1.0 September 2011 PCI Security Standards Council LLC 2011 This document and its contents may not be used, copied, disclosed, or distributed

More information

Credit Card Processing Overview

Credit Card Processing Overview CardControl 3.0 Credit Card Processing Overview Overview Credit card processing is a very complex and important system for anyone that sells goods. This guide will hopefully help educate and inform new

More information

PCI Security Standards Council

PCI Security Standards Council PCI Security Standards Council Bob Russo, General Manager 2013 Why PCI Matters Applying PCI How You Can Participate Agenda About the PCI Council Open, global forum Founded 2006 Guiding open standards for

More information

Reducing PCI DSS Scope with the TransArmor First Data TransArmor Solution

Reducing PCI DSS Scope with the TransArmor First Data TransArmor Solution First Data First Data Market Market Insight Insight Reducing PCI DSS Scope with the TransArmor First Data TransArmor Solution SM Solution Organizations who handle payment card data are obligated to comply

More information

Encryption and Tokenization: Protecting Customer Data. Your Payments Universally Amplified. Tia D. Ilori Sue Zloth September 18, 2013

Encryption and Tokenization: Protecting Customer Data. Your Payments Universally Amplified. Tia D. Ilori Sue Zloth September 18, 2013 Encryption and Tokenization: Protecting Customer Data Your Payments Universally Amplified Tia D. Ilori Sue Zloth September 18, 2013 Agenda Global Threat Landscape Real Cost of a Data Breach Evolution of

More information

Adyen PCI DSS 3.0 Compliance Guide

Adyen PCI DSS 3.0 Compliance Guide Adyen PCI DSS 3.0 Compliance Guide February 2015 Page 1 2015 Adyen BV www.adyen.com Disclaimer: This document is for guidance purposes only. Adyen does not accept responsibility for any inaccuracies. Merchants

More information

Puzzled about PCI compliance? Proactive ways to navigate through the standard for compliance

Puzzled about PCI compliance? Proactive ways to navigate through the standard for compliance Puzzled about PCI compliance? Proactive ways to navigate through the standard for compliance March 29, 2012 1:00 p.m. ET If you experience any technical difficulties, please contact 888.228.0988 or support@learnlive.com

More information

PCI DSS Policies Outline. PCI DSS Policies. All Rights Reserved. ecfirst. 2010. Page 1 of 7 www.ecfirst.com

PCI DSS Policies Outline. PCI DSS Policies. All Rights Reserved. ecfirst. 2010. Page 1 of 7 www.ecfirst.com Policy/Procedure Description PCI DSS Policies Install and Maintain a Firewall Configuration to Protect Cardholder Data Establish Firewall and Router Configuration Standards Build a Firewall Configuration

More information

Are You Ready For PCI v 3.0. Speaker: Corbin DelCarlo Institution: McGladrey LLP Date: October 6, 2014

Are You Ready For PCI v 3.0. Speaker: Corbin DelCarlo Institution: McGladrey LLP Date: October 6, 2014 Are You Ready For PCI v 3.0 Speaker: Corbin DelCarlo Institution: McGladrey LLP Date: October 6, 2014 Today s Presenter Corbin Del Carlo QSA, PA QSA Director, National Leader PCI Services Practice 847.413.6319

More information

White Paper PCI-Validated Point-to-Point Encryption

White Paper PCI-Validated Point-to-Point Encryption White Paper PCI-Validated Point-to-Point Encryption By Christopher Kronenthal, Chief Technology Officer Contributors Executive Summary Merchants are navigating a payments landscape that continues to evolve,

More information

Corbin Del Carlo Director, National Leader PCI Services. October 5, 2015

Corbin Del Carlo Director, National Leader PCI Services. October 5, 2015 PCI compliance: v3.1 Key Considerations Corbin Del Carlo Director, National Leader PCI Services October 5, 2015 Today s Presenter Corbin Del Carlo QSA, PA QSA Director, National Leader PCI Services Practice

More information

CardControl. Credit Card Processing 101. Overview. Contents

CardControl. Credit Card Processing 101. Overview. Contents CardControl Credit Card Processing 101 Overview Credit card processing is a very complex and important system for anyone that sells goods. This guide will hopefully help educate and inform new and old

More information

Protecting Cardholder Data Throughout Your Enterprise While Reducing the Costs of PCI Compliance

Protecting Cardholder Data Throughout Your Enterprise While Reducing the Costs of PCI Compliance Payment Security White Paper Protecting Cardholder Data Throughout Your Enterprise While Reducing the Costs of PCI Compliance Breaches happen across all industries as thieves look for vulnerabilities.

More information

MOBILE CHIP ELECTRONIC COMMERCE: ENABLING CREDIT CARD PAYMENT FOR MOBILE DEVICES

MOBILE CHIP ELECTRONIC COMMERCE: ENABLING CREDIT CARD PAYMENT FOR MOBILE DEVICES MOBILE CHIP ELECTRONIC COMMERCE: ENABLING CREDIT CARD PAYMENT FOR MOBILE DEVICES Marko Schuba and Konrad Wrona Ericsson Research, Germany ABSTRACT This paper describes the Mobile Chip Electronic Commerce

More information

INFORMATION TECHNOLOGY SECURITY: PORTFOLIO OVERVIEW

INFORMATION TECHNOLOGY SECURITY: PORTFOLIO OVERVIEW Summary Purpose Business Value Product Type Technical function/certifications Product Family Name 1 General purpose Hardware Security Modules (HSMs) To securely protect cryptographic keys wherever they

More information

White Paper Solutions For Hospitality

White Paper Solutions For Hospitality White Paper Solutions For Hospitality Foreword Addressing the complexity of a hospitality ecosystem as varied as the front desk to the parking garage, to the restaurant, the website, and the call center,

More information

What You Need to Know About PCI SSC. 2014 Guiding open standards for global payment card security

What You Need to Know About PCI SSC. 2014 Guiding open standards for global payment card security What You Need to Know About PCI SSC 2014 About the PCI Council Founded in 2006 - Guiding open standards for payment card security Development Management Education Awareness Expanding Global Representation

More information

What s New in PCI DSS 2.0. 2010 Cisco and/or its affiliates. All rights reserved. Cisco Systems, Inc 1

What s New in PCI DSS 2.0. 2010 Cisco and/or its affiliates. All rights reserved. Cisco Systems, Inc 1 What s New in PCI DSS 2.0 2010 Cisco and/or its affiliates. All rights reserved. Cisco Systems, Inc 1 Agenda PCI Overview PCI 2.0 Changes PCI Advanced Technology Update PCI Solutions 2010 Cisco and/or

More information

Visa Inc. PIN Entry Device Requirements

Visa Inc. PIN Entry Device Requirements Visa Inc. PIN Entry Device Requirements The following information is applicable for Visa Inc. regions. Visa Inc. regions include Asia-Pacific (AP); Central and Eastern Europe, Middle East and Africa (CEMEA);

More information

PCI Security Standards Council

PCI Security Standards Council PCI Security Standards Council Jeremy King, European Director 2013 Why PCI Matters Applying PCI How You Can Participate Agenda 2 Why PCI Matters Applying PCI How You Can Participate Agenda About the PCI

More information

E2EE and PCI Compliancy. Martin Holloway VSP Sales Director VeriFone NEMEA

E2EE and PCI Compliancy. Martin Holloway VSP Sales Director VeriFone NEMEA E2EE and PCI Compliancy Martin Holloway VSP Sales Director VeriFone NEMEA Security Breaches In The News 2 Security Breaches In The News 3 Security Breaches In The News 4 Security Breaches In The News 5

More information

To ensure independence, PSC does not represent, resell or receive commissions from any third party hardware, software or solutions vendors.

To ensure independence, PSC does not represent, resell or receive commissions from any third party hardware, software or solutions vendors. About PSC With offices in the USA, Canada, UK and Australia, PSC is a leading PCI, PA DSS, and P2PE assessor, PCI Forensics Company and Approved Scanning Vendor. PSC is one of an elite few companies qualified

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

Universal Transaction Gateway (UTG ), 4Go, and i4go are covered by

Universal Transaction Gateway (UTG ), 4Go, and i4go are covered by Universal Transaction Gateway (UTG ), 4Go, and i4go are covered by Universal Transaction one or Gateway more of (UTG ), the 4Go, following and i4go U.S. are covered Pat. by Nos.: one or more 7770789, of

More information

PCI DSS Requirements - Security Controls and Processes

PCI DSS Requirements - Security Controls and Processes 1. Build and maintain a secure network 1.1 Establish firewall and router configuration standards that formalize testing whenever configurations change; that identify all connections to cardholder data

More information

PCI PIN Security Requirements Auditor s Guide. This document is to be used with PCI PIN Security Requirements, Version 1.

PCI PIN Security Requirements Auditor s Guide. This document is to be used with PCI PIN Security Requirements, Version 1. PCI PIN Security Requirements This document is to be used with PCI PIN Security Requirements, Version 1.0 (September 2011) Last Updated: March 2012 PCI PIN Security Requirements: Table of Contents Forward

More information

PCI Security Standards Council

PCI Security Standards Council PCI Security Standards Council Ralph Poore, Director, Emerging Standards 2013 About PCI Emerging Technologies OWASP and Mobile Guidelines About PCI About the PCI Council Open, global forum Founded 2006

More information

White Paper PCI-Validated Point-to-Point Encryption On Microsoft Azure. By Christopher Kronenthal, Chief Technology Officer

White Paper PCI-Validated Point-to-Point Encryption On Microsoft Azure. By Christopher Kronenthal, Chief Technology Officer White Paper PCI-Validated Point-to-Point Encryption On Microsoft Azure By Christopher Kronenthal, Chief Technology Officer Advanced Commerce Platform Foreword 2015 will bring incredible change and innovation

More information

Payment Card Industry (PCI) Data Security Standard

Payment Card Industry (PCI) Data Security Standard Payment Card Industry (PCI) Data Security Standard Attestation of Compliance for Onsite Assessments Service Providers Version 3.0 February 2014 Section 1: Assessment Information Instructions for Submission

More information

Encryption Key Management for Microsoft SQL Server 2008/2014

Encryption Key Management for Microsoft SQL Server 2008/2014 White Paper 0x8c1a3291 0x56de5791 0x450a0ad2 axd8c447ae 8820572 0x5f8a153d 0x19df c2fe97 0xd61b5228 0xf32 4856 0x3fe63453 0xa3bdff82 0x30e571cf 0x36e0045b 0xad22db6a 0x100daa87 0x48df 0x5ef8189b 0x255ba12

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 (PCI) Data Security Standard. PCI DSS Applicability in an EMV Environment A Guidance Document Version 1

Payment Card Industry (PCI) Data Security Standard. PCI DSS Applicability in an EMV Environment A Guidance Document Version 1 Payment Card Industry (PCI) Data Security Standard PCI DSS Applicability in an EMV Environment A Guidance Document Version 1 Release date: 5 October 2010 Table of Contents 1 Executive Summary... 3 1.1

More information

Payment Card Industry (PCI) Data Security Standard. Summary of Changes from PCI DSS Version 2.0 to 3.0

Payment Card Industry (PCI) Data Security Standard. Summary of Changes from PCI DSS Version 2.0 to 3.0 Payment Card Industry (PCI) Data Security Standard Summary of s from Version 2.0 to 3.0 November 2013 Introduction This document provides a summary of changes from v2.0 to v3.0. Table 1 provides an overview

More information

Strong authentication of GUI sessions over Dedicated Links. ipmg Workshop on Connectivity 25 May 2012

Strong authentication of GUI sessions over Dedicated Links. ipmg Workshop on Connectivity 25 May 2012 Strong authentication of GUI sessions over Dedicated Links ipmg Workshop on Connectivity 25 May 2012 Agenda Security requirements The T2S U2A 2 Factor Authentication solution Additional investigation Terminal

More information

Visa PIN Security Requirements Key Injection Facility Auditor s Guide

Visa PIN Security Requirements Key Injection Facility Auditor s Guide Visa PIN Security Requirements Key Injection Facility Auditor s Guide To be used in conjunction with Payment Card Industry (PCI) PIN Security Requirements, V1.0 September 2011 Visa PIN Security Requirements

More information

North Carolina Office of the State Controller Technology Meeting

North Carolina Office of the State Controller Technology Meeting PCI DSS Security Awareness Training North Carolina Office of the State Controller Technology Meeting April 30, 2014 agio.com A Note on Our New Name Secure Enterprise Computing was acquired as the Security

More information

Visa PIN Security Requirements Auditor s Guide

Visa PIN Security Requirements Auditor s Guide Visa PIN Security Requirements Auditor s Guide To be used in conjunction with Payment Card Industry (PCI) PIN Security Requirements, V1.0 September 2011 Table of Contents Introduction...4 How to Use this

More information

Payment Card Industry (PCI) Data Security Standard. Summary of Changes from PCI DSS Version 1.2.1 to 2.0

Payment Card Industry (PCI) Data Security Standard. Summary of Changes from PCI DSS Version 1.2.1 to 2.0 Payment Card Industry (PCI) Data Security Standard Summary of s from PCI DSS Version 1.2.1 to 2.0 October 2010 General General Throughout Removed specific references to the Glossary as references are generally

More information

Managed Hosting & Datacentre PCI DSS v2.0 Obligations

Managed Hosting & Datacentre PCI DSS v2.0 Obligations Any physical access to devices or data held in an Melbourne datacentre that houses a customer s cardholder data must be controlled and restricted only to approved individuals. PCI DSS Requirements Version

More information

Key Management Best Practices

Key Management Best Practices White Paper Key Management Best Practices Data encryption is a fundamental component of strategies to address security threats and satisfy regulatory mandates. While encryption is not in itself difficult

More information

PCI COMPLIANCE REQUIREMENTS COMPLIANCE CALENDAR

PCI COMPLIANCE REQUIREMENTS COMPLIANCE CALENDAR PCI COMPLIANCE REQUIREMENTS COMPLIANCE CALENDAR AUTHOR: UDIT PATHAK SENIOR SECURITY ANALYST udit.pathak@niiconsulting.com Public Network Intelligence India 1 Contents 1. Background... 3 2. PCI Compliance

More information

PCI 3.1 Changes. Jon Bonham, CISA Coalfire System, Inc.

PCI 3.1 Changes. Jon Bonham, CISA Coalfire System, Inc. PCI 3.1 Changes Jon Bonham, CISA Coalfire System, Inc. Agenda Introduction of Coalfire What does this have to do with the business office Changes to version 3.1 EMV P2PE Questions and Answers Contact Information

More information

Strong data protection. Strategic business value. www.thales-esecurity.com

Strong data protection. Strategic business value. www.thales-esecurity.com Someone is stalking your sensitive data. Coveting your intellectual property. Waiting for the slightest crack in the window of opportunity to hack it, misuse it, and run. How can you best protect and control

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

The 12 Essentials of PCI Compliance How it Differs from HIPPA Compliance Understand & Implement Effective PCI Data Security Standard Compliance

The 12 Essentials of PCI Compliance How it Differs from HIPPA Compliance Understand & Implement Effective PCI Data Security Standard Compliance Date: 07/19/2011 The 12 Essentials of PCI Compliance How it Differs from HIPPA Compliance Understand & Implement Effective PCI Data Security Standard Compliance PCI and HIPAA Compliance Defined Understand

More information

Achieving PCI Compliance with Postgres. Denish Patel Database Architect

Achieving PCI Compliance with Postgres. Denish Patel Database Architect Achieving PCI Compliance with Postgres / Denish Patel Database Architect Who am I? Lead Database Architect @ OmniTI Email: denish@omniti.com ; Twitter: @DenishPatel http://www.pateldenish.com Providing

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

What Data Thieves Don t Want You to Know: The Facts About Encryption and Tokenization

What Data Thieves Don t Want You to Know: The Facts About Encryption and Tokenization What Data Thieves Don t Want You to Know: The Facts About Encryption and Tokenization 2012 First Data Corporation. All trademarks, service marks and trade names referenced in this material are the property

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

NCR Secure Pay FAQ Updated June 12, 2014

NCR Secure Pay FAQ Updated June 12, 2014 NCR Secure Pay FAQ Updated June 12, 2014 Contents What is NCR Secure Pay?... 1 What is the value of NCR Secure Pay?... 2 Host-based Settlement... 2 Token Replacement... 2 Point-to-Point Encryption (P2PE)...

More information

Vormetric and PCI Compliance in AWS A COALFIRE WHITE PAPER

Vormetric and PCI Compliance in AWS A COALFIRE WHITE PAPER A COALFIRE WHITE PAPER Using Encryption and Access Control for PCI DSS 3.0 Compliance in AWS Implementing the Vormetric Data Security Platform in a Payment Card Environment running in Amazon Web Service

More information

PCI Compliance. Crissy Sampier, Longwood University Edward Ko, CampusGuard

PCI Compliance. Crissy Sampier, Longwood University Edward Ko, CampusGuard PCI Compliance Crissy Sampier, Longwood University Edward Ko, CampusGuard Agenda Introductions PCI DSS 101 Chip Cards (EMV) Longwood s PCI DSS Journey Breach Statistics Shortcuts to PCI DSS Compliance

More information

Thoughts on PCI DSS 3.0. D. Timothy Hartzell CISSP, CISM, QSA, PA-QSA Associate Director

Thoughts on PCI DSS 3.0. D. Timothy Hartzell CISSP, CISM, QSA, PA-QSA Associate Director Thoughts on PCI DSS 3.0 D. Timothy Hartzell CISSP, CISM, QSA, PA-QSA Associate Director Agenda 1 2 3 Global Payment Card Statistics and Trends PCI DSS Overview PCI DSS Version 3.0: Important Timelines

More information

Payment Card Industry (PCI) Data Security Standard

Payment Card Industry (PCI) Data Security Standard Payment Card Industry (PCI) Data Security Standard Attestation of Compliance for Onsite Assessments Service Providers Version 3.0 February 2014 Section 1: Assessment Information Instructions for Submission

More information

Thoughts on PCI DSS 3.0. September, 2014

Thoughts on PCI DSS 3.0. September, 2014 Thoughts on PCI DSS 3.0 September, 2014 Speaker Today Jeff Sanchez is a Managing Director in Protiviti s Los Angeles office. He joined Protiviti in 2002 after spending 10 years with Arthur Andersen s Technology

More information

Voltage SecureData Web with Page-Integrated Encryption (PIE) Technology Security Review

Voltage SecureData Web with Page-Integrated Encryption (PIE) Technology Security Review Voltage SecureData Web with Page-Integrated Encryption (PIE) Technology Security Review Prepared for: Coalfire Systems, Inc. March 2, 2012 Table of Contents EXECUTIVE SUMMARY... 3 DETAILED PROJECT OVERVIEW...

More information

Enterprise Payments for

Enterprise Payments for Enterprise Payments for Table of Contents I. Introducing CardConnect II. III. IV. Gartner Tokenization Reporting Featuring CardConnect PCI Compliance, EMV & True Payment Security CardConnect for SAP V.

More information

Payment Card Industry (PCI) Terminal Software Security. Best Practices

Payment Card Industry (PCI) Terminal Software Security. Best Practices Payment Card Industry (PCI) Terminal Software Security Best Version 1.0 December 2014 Document Changes Date Version Description June 2014 Draft Initial July 23, 2014 Core Redesign for core and other August

More information

APPENDIX G ASP/SaaS SECURITY ASSESSMENT CHECKLIST

APPENDIX G ASP/SaaS SECURITY ASSESSMENT CHECKLIST APPENDIX G ASP/SaaS SECURITY ASSESSMENT CHECKLIST Application Name: Vendor Name: Briefly describe the purpose of the application. Include an overview of the application architecture, and identify the data

More information

Symposium (FBOS) PCI Compliance. Connecting Great Ideas and Great People. Agenda

Symposium (FBOS) PCI Compliance. Connecting Great Ideas and Great People. Agenda 2010 Finance & Business Operations Symposium (FBOS) PCI Compliance Cort M. Kane COO, designdata Judy Durham CFO, NPES Kymberly Bonzelaar, Sr. VP Capital One Richard Eggleston, Sr. Project Director, TMAR

More information

Target Security Breach

Target Security Breach Target Security Breach Lessons Learned for Retailers and Consumers 2014 Pointe Solutions, Inc. PO Box 41, Exton, PA 19341 USA +1 610 524 1230 Background In the aftermath of the Target breach that affected

More information

Transitions in Payments: PCI Compliance, EMV & True Transactions Security

Transitions in Payments: PCI Compliance, EMV & True Transactions Security Transitions in Payments: PCI Compliance, EMV & True Transactions Security There have been more than 600 million records compromised from approximately 4,000 data breaches since 2005 and those are just

More information

Alliance Key Manager Solution Brief

Alliance Key Manager Solution Brief Alliance Key Manager Solution Brief KEY MANAGEMENT Enterprise Encryption Key Management On the road to protecting sensitive data assets, data encryption remains one of the most difficult goals. A major

More information

Fighting Today s Cybercrime

Fighting Today s Cybercrime SECURELY ENABLING BUSINESS Fighting Today s Cybercrime Ongoing PCI Compliance Using Data-Centric Security Technologies HOUSEKEEPING ITEMS All phone lines have been muted for the duration of the webinar.

More information

P R O G R E S S I V E S O L U T I O N S

P R O G R E S S I V E S O L U T I O N S PCI DSS: PCI DSS is a set of technical and operational mandates designed to ensure that all organizations that process, store or transmit credit card information maintain a secure environment and safeguard

More information

A Strategic Approach to Enterprise Key Management

A Strategic Approach to Enterprise Key Management Ingrian - Enterprise Key Management. A Strategic Approach to Enterprise Key Management Executive Summary: In response to security threats and regulatory mandates, enterprises have adopted a range of encryption

More information

Payment Methods. The cost of doing business. Michelle Powell - BASYS Processing, Inc.

Payment Methods. The cost of doing business. Michelle Powell - BASYS Processing, Inc. Payment Methods The cost of doing business Michelle Powell - BASYS Processing, Inc. You ve got to spend money, to make money Major Industry Topics Industry Process Flow PCI DSS Compliance Risks of Non-Compliance

More information

InstaMed Payments with Encryption Payment Card Industry (PCI) Technical Assessment White Paper

InstaMed Payments with Encryption Payment Card Industry (PCI) Technical Assessment White Paper InstaMed Payments with Encryption Payment Card Industry (PCI) Technical Assessment White Paper September 04 White Paper Author: Nick Trenc QSA, PA-QSA nick.trenc@coalfiresystems.com White Paper QA: Richard

More information

Top 10 PCI Concerns. Jeff Tucker Sr. Security Consultant, Foundstone Professional Services

Top 10 PCI Concerns. Jeff Tucker Sr. Security Consultant, Foundstone Professional Services Top 10 PCI Concerns Jeff Tucker Sr. Security Consultant, Foundstone Professional Services About Jeff Tucker QSA since Spring of 2007, Lead for the Foundstone s PCI Services Security consulting and project

More information

Payment Card Industry (PCI) Payment Application Data Security Standard

Payment Card Industry (PCI) Payment Application Data Security Standard Payment Card Industry (PCI) Payment Application Data Security Standard Requirements and Security Assessment Procedures Version 2.0 October 2010 Document Changes Date Version Description Pages October 1,

More information

Accelerating PCI Compliance

Accelerating PCI Compliance Accelerating PCI Compliance PCI Compliance for B2B Managed Services March 8, 2016 What s the Issue? Credit Card Data Breaches are Expensive for Everyone The Wall Street Journal OpenText Confidential. 2016

More information

INFORMATION TECHNOLOGY FLASH REPORT

INFORMATION TECHNOLOGY FLASH REPORT INFORMATION TECHNOLOGY FLASH REPORT Understanding PCI DSS Version 3.0 Key Changes and New Requirements November 8, 2013 On November 7, 2013, the PCI Security Standards Council (PCI SSC) announced the release

More information

SP 800-130 A Framework for Designing Cryptographic Key Management Systems. 5/25/2012 Lunch and Learn Scott Shorter

SP 800-130 A Framework for Designing Cryptographic Key Management Systems. 5/25/2012 Lunch and Learn Scott Shorter SP 800-130 A Framework for Designing Cryptographic Key Management Systems 5/25/2012 Lunch and Learn Scott Shorter Topics Follows the Sections of SP 800-130 draft 2: Introduction Framework Basics Goals

More information

Chip Terms Explained A Guide to Smart Card Terminology

Chip Terms Explained A Guide to Smart Card Terminology Chip Terms Explained A Guide to Smart Card Terminology Contents 1 AAC Application Authentication Cryptogram AID Application Identifier Applet ARQC Authorization Request Cryptogram ARPC Authorization Response

More information

Achieving PCI Compliance Using F5 Products

Achieving PCI Compliance Using F5 Products Achieving PCI Compliance Using F5 Products Overview In April 2000, Visa launched its Cardholder Information Security Program (CISP) -- a set of mandates designed to protect its cardholders from identity

More information

PREVENTING PAYMENT CARD DATA BREACHES

PREVENTING PAYMENT CARD DATA BREACHES NEW SCIENCE TRANSACTION SECURITY ARTICLE PREVENTING PAYMENT CARD DATA BREACHES DECEMBER 2014 UL.COM/NEWSCIENCE NEW SCIENCE TRANSACTION SECURITY OVERVIEW From research on the latest electronic transaction

More information

PCI COMPLIANCE ON AWS: HOW TREND MICRO CAN HELP

PCI COMPLIANCE ON AWS: HOW TREND MICRO CAN HELP solution brief PCI COMPLIANCE ON AWS: HOW TREND MICRO CAN HELP AWS AND PCI DSS COMPLIANCE To ensure an end-to-end secure computing environment, Amazon Web Services (AWS) employs a shared security responsibility

More information

Enterprise Key Management: A Strategic Approach ENTERPRISE KEY MANAGEMENT A SRATEGIC APPROACH. White Paper February 2010 www.alvandsolutions.

Enterprise Key Management: A Strategic Approach ENTERPRISE KEY MANAGEMENT A SRATEGIC APPROACH. White Paper February 2010 www.alvandsolutions. Enterprise Key Management: A Strategic Approach ENTERPRISE KEY MANAGEMENT A SRATEGIC APPROACH White Paper February 2010 www.alvandsolutions.com Overview Today s increasing security threats and regulatory

More information

Solutions For Higher Education: Reducing Compliance Scope Across Campus With PCI Validated P2PE

Solutions For Higher Education: Reducing Compliance Scope Across Campus With PCI Validated P2PE Solutions For Higher Education: Reducing Compliance Scope Across Campus With PCI Validated P2PE Complete Campus Coverage With the complexity of a college campus ecosystem as varied as the development office

More information