Implementing PCI DSS

Various Credit Cards

The Payment Card Industry Data Security Standard (PCI DSS) is developed by the PCI Security Standards Council, and aims to promote the security of cardholder data. It has been developed as a result of joint collaboration of four credit card organizations that include Mastercard, VISA, American Express and JCB. The standard presents a set of twelve requirements, the compliance of which ensures security of cardholder data and prevention of potential data breaches.

Goals Requirements
Build and Maintain a Secure Network. 1.      Install and maintain a firewall configuration to protect cardholder data.2.      Do not use vendor-supplied defaults for system passwords and other security perimeters.
Protect Cardholder Data 3.      Protect stored cardholder data.4.      Encrypt transmission of cardholder data across open public networks.
Maintain a Vulnerability Management Program 5.      Use and regularly update anti-virus software or programs.6.      Develop and maintain secure systems and applications.
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 10.  Track and monitor all access to network resources and cardholder data.11.  Regularly test security systems and processes.
Maintain an Information Security Policy 12.  Maintain a policy that addresses information security for all personnel.


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