An Introduction to PCI Compliance

An Introduction to PCI Compliance

Data Breach Trends

About PCI-SSC

12 Requirements of PCI-DSS

Establishing Your Validation Level

PCI Basics

Benefits of PCI Compliance

Benefits of Accepting Credit Cards

Source: http://www.verizonbusiness.com/resources/security/reports/2009_databreach_rp.pdf

From the chart, it is evidentunauthorized access viadefault, shared, or stolen credentials constituted more than a third of the entire hacking category and over half of allcompromised records.

Example: Titos Taco ShackSource: http://www.verizonbusiness.com/resources/security/reports/2009_databreach_rp.pdf

PCI-SSC

Payment Card Industry - Security Standards CouncilDoesDoes NotData Security Standard (DSS)

Payment Application Data Security Standard (PA-DSS)

Pin Transaction Security (PTS) Requirements. Enforce standards Set fine and fee structures

Set validation levels

Build and Maintain a Secure NetworkRequirement 1: Install and maintain a firewall configuration to protect cardholder dataRequirement 2: Do not use vendor-supplied defaults for system passwords and other security parameters Protect Cardholder DataRequirement 3: Protect stored cardholder dataRequirement 4: Encrypt transmission of cardholder data across open, public networks Maintain a Vulnerability Management ProgramRequirement 5: Use and regularly update anti-virus softwareRequirement 6: Develop and maintain secure systems and applications Implement Strong Access Control MeasuresRequirement 7: Restrict access to cardholder data by business need-to-knowRequirement 8: Assign a unique ID to each person with computer accessRequirement 9: Restrict physical access to cardholder data Regularly Monitor and Test NetworksRequirement 10: Track and monitor all access to network resources and cardholder dataRequirement 11: Regularly test security systems and processes Maintain an Information Security PolicyRequirement 12: Maintain a policy that addresses information security

= State PCI Law= Breach Notification Laws

Any merchant that processes, transmits, or stores credit card data regardless of processing volume must comply to PCI-DSS regulations.

Every merchant must validate compliance every year.*

MIDs under different TAXIDs will need to certify separately.

* Check with your Acquiring bank for specific validation requirements and deadlines

Source: www.visa.com/cisp

Source: www.pcisecuritystandards.org

Peace of mind for your business and clients

Decreased risk of security breaches

Boost in customer confidence

Protection from costly fines

Relatively quick and easy

Safeguard your business reputation

Stay viable in the marketplace The number of payments made by debit, credit, or EBT card grew by 12.8 billion from 2003 to 2006, reaching 48.1 billion and exceeding the number of checks paid by 17.6 billion.*

Offer payment flexibility to clients

Improve cash flow

Reduce the hassle of collections

*http://www.federalreserve.gov/pubs/bulletin/2008/articles/payments/default.htm

www.visa.com/cisp

www.pcisecuritystandards.org

www.mastercard.com/us/sdp/education

www.pcicentral.com/docs/pciscc_ten_common_myths.pdf

http://www.federalreserve.gov/pubs/bulletin/2008/articles/payments/default.htm

http://www.verizonbusiness.com/resources/security/reports/2009_databreach_rp.pdf

Amy Airhart

[email protected]

www.pcicentral.com

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