PCI DSS for Penetration Testing

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“Understanding PCI DSS and PA DSS is crucial to the role of a penetration tester. Quoting the relevant PCI-DSS or PA-DSS control reference for your findings would help demonstrate the proper risk arising from common security findings such as support of older SSL versions, weak encryption when storing cardholder data, lack of proper logs from the application, and of course the entire gamut of web application security bugs”.

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PCI DSS for Penetration Testing

  1. 1. PCI DSSK. K. Mookhey
  2. 2. What is PCI DSS ? Payment Card Industry (PCI) Data Security Standard (DSS) PCI DSS provides a baseline of technical and operational requirements designed to protect cardholder data. PCI DSS comprises a minimum set of requirements for protecting cardholder data, and may be enhanced by additional controls and practices to further mitigate risks
  3. 3. Why Is Compliance with PCI DSS Important? A security breach and subsequent compromise of payment card data has far-reaching consequences for affected organizations, including:  Regulatory notification requirements,  Loss of reputation,  Loss of customers,  Potential financial liabilities (for example, regulatory and other fees and fines), and  Litigation.
  4. 4. PCI DSS Payment Card Industry Data Security Standard Standard applies to:  Merchants – Acquirer is the authority  Service Providers – Card Brand or Client is the authority  Systems Who:  Store cardholder data  Transmit cardholder data  Process cardholder data Inclusive of:  Electronic Transactions  Paper Transactions
  5. 5. The PCI Security Standards Council (PCI SSC) An open global forum, launched in 2006, responsible for the development, management, education, and awareness of the PCI Security Standards, including:  Data Security Standard (DSS)  Payment Application Data Security Standard (PA-DSS)  Pin Transaction Security (PTS)  Formally known as Pin-Entry Device (PED) PCI PTS PCI PA-DSS PCI DSS
  6. 6. PCI SSC- Standards
  7. 7. PIN Transaction (PTS) Security Requirements• It is a set of security requirements focused on characteristics and management of devices used in the protection of cardholder PINs and other payment processing related activities.• The requirements are for manufacturers to follow in the design, manufacture and transport of a device to the entity that implements it.• Financial institutions, processors, merchants and service providers should only use devices or components that are tested and approved by the PCI SSC.www.pcisecuritystandards.org/security_standards/ped/pedapprovallist.html
  8. 8. Payment Application Data Security Standard (PA-DSS)• The PA-DSS is for software developers and integrators of payment applications that store, process or transmit cardholder data as part of authorization or settlement when these applications are sold, distributed or licensed to third parties.• Most card brands encourage merchants to use payment applications that are tested and approved by the PCI SSC.Validated applications are listed at:www.pcisecuritystandards.org/security_standards/pa_dss.shtml
  9. 9. PCI Data Security Standard (DSS)• The PCI DSS applies to all entities that store, process, and/or transmit cardholder data.• It covers technical and operational system components included in or connected to cardholder data.• If you are a merchant who accepts or processes payment cards, you must comply with the PCI DSS.
  10. 10. The PCI Security Standards Founders
  11. 11. Data on Payment Card
  12. 12. Track 1 vs. Track 2 Data
  13. 13. Track 1 vs. Track 2 Data (cont..) If full track (either Track 1 or Track 2, from the magnetic stripe, magnetic-stripe image in a chip, or elsewhere) data is stored, malicious individuals who obtain that data can reproduce and sell payment cards around the world. Full track data storage also violates the payment brands operating regulations and can lead to fines and penalties.
  14. 14. What to store & what not to store
  15. 15. Guidelines for Storage1. One-way hash functions based on strong cryptography – converts theentire PAN into a unique, fixed-length cryptographic value.2. Truncation – permanently removes a segment of the data (for example,retaining only the last four digits).3. Index tokens and securely stored pads – encryption algorithm thatcombines sensitive plain text data with a random key or “pad” that works onlyonce.4. Strong cryptography – with associated key management processes andprocedures. Refer to the PCI DSS and PA-DSS Glossary of Terms,Abbreviations and Acronyms for the definition of “strong cryptography.”
  16. 16. The PCI Data Security Standard Six Goals, Twelve RequirementsBuild and Maintain a 1. Install and maintain a firewall configuration to protect cardholderSecure Network data 2. Do not use vendor-supplied defaults for system passwords and other security parametersProtect Cardholder Data 3. Protect stored cardholder data 4. Encrypt transmission of cardholder data across open, public networksMaintain a Vulnerability 5. Use and regularly update anti-virus software or programsManagement Program 6. Develop and maintain secure systems and applicationsImplement Strong Access 7. Restrict access to cardholder data by business need-to-knowControl Measures 8. Assign a unique ID to each person with computer access 9. Restrict physical access to cardholder dataRegularly Monitor and 10. Track and monitor all access to network resources and cardholderTest Networks data 11. Regularly test security systems and processesMaintain an Information 12. Maintain a policy that addresses information security forSecurity Policy employees and contractors
  17. 17. Other PCI Standards
  18. 18. PCI SSC- Standards
  19. 19. PIN Transaction (PTS) Security Requirements• It is a set of security requirements focused on characteristics and management of devices used in the protection of cardholder PINs and other payment processing related activities.• The requirements are for manufacturers to follow in the design, manufacture and transport of a device to the entity that implements it.• Financial institutions, processors, merchants and service providers should only use devices or components that are tested and approved by the PCI SSC.www.pcisecuritystandards.org/security_standards/ped/pedapprovallist.html
  20. 20. PIN Transaction (PTS) Security Requirements (cont..)• Objective 1 : PINs used in transactions governed by these requirements are processed using equipment and methodologies that ensure they are kept secure.• Objective 2 : Cryptographic keys used for PIN encryption/decryption and related key management are created using processes that ensure that it is not possible to predict any key or determine that certain keys are more probable than other keys.• Objective 3 : Keys are conveyed or transmitted in a secure manner.
  21. 21. PIN Transaction (PTS) Security Requirements (cont..)• Objective 4 : Key-loading to hosts and PIN entry devices is handled in a secure manner.• Objective 5 : Keys are used in a manner that prevents or detects their unauthorized usage.• Objective 6 : Keys are administered in a secure manner.• Objective 7 : Equipment used to process PINs and keys is managed in a secure manner.
  22. 22. Payment Application Data Security Standard (PA-DSS)• The PA-DSS is for software developers and integrators of payment applications that store, process or transmit cardholder data as part of authorization or settlement when these applications are sold, distributed or licensed to third parties.• Most card brands encourage merchants to use payment applications that are tested and approved by the PCI SSC.Validated applications are listed at:www.pcisecuritystandards.org/security_standards/pa_dss.shtml
  23. 23. PA-DSS (cont..)• Requirement 1 : Do not retain full magnetic stripe, card verification code or value (CAV2, CID, CVC2, CVV2), or PIN block data• Requirement 2 : Protect stored cardholder data• Requirement 3 : Provide secure authentication features• Requirement 4 : Log payment application activity• Requirement 5 : Develop secure payment applications• Requirement 6 : Protect wireless transmissions• Requirement 7 : Test payment applications to address vulnerabilities• Requirement 8 : Facilitate secure network implementation• Requirement 9 : Cardholder data must never be stored
  24. 24. PA-DSS (cont..)• Requirement 10 : Facilitate secure remote access to payment application• Requirement 11 : Encrypt sensitive traffic over public networks• Requirement 12 : Encrypt all non-console administrative access• Requirement 13 : Maintain instructional documentation and training programs for customers, resellers, and integrators
  25. 25. Thank you! Questions / Queries NETWORK INTELLIGENCE INDIA PVT. LTD. AN ISO/IEC 27001:2005 CERTIFIED COMPANYWeb http://www.niiconsulting.comEmail kkmookhey@niiconsulting.comTel +91-22-2839-2628 +91-22-4005-2628Fax +91-22-2837-5454
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