The document summarizes the key requirements of the Payment Card Industry Data Security Standard (PCI DSS) including who must comply, compliance deadlines, and consequences for non-compliance. It outlines the 12 PCI DSS requirements and priorities remediation of the top failed requirements. Merchants, acquirers, issuers and service providers must comply with PCI DSS to protect cardholder data, with penalties for non-compliance including fines and legal action.
The document discusses electronic payment systems and security. It describes typical electronic payment systems, security requirements for safe payments, and common security schemes. It covers SSL and SET protocols, electronic credit card systems, electronic funds transfer, stored value cards, and electronic check systems. The relationships between these topics are explained over several pages with diagrams.
This document provides an overview of EMV transaction flows, including:
1) EMV transactions involve application selection on the chip card to route transactions to the issuer bank, as well as terminal action analysis and cryptogram generation for online or offline authorization.
2) Offline authentication can involve static data authentication, dynamic data authentication, or combined authentication along with PIN verification on the chip card.
3) Security for e-commerce has evolved with techniques like CVV numbers, address verification, and tokenization to protect stored payment data.
Nadeem Douba, GWAPT, GPEN currently situated in the Ottawa (Ontario, Canada) valley, Nadeem provides technical security consulting services primarily to clients in the health, education, and public sectors. Nadeem has been involved within the security community for over ten years and has frequently presented talks in his local ISSA chapter, and most recently at DEF CON 20 on the topics of Open Source Intelligence and mobile security. He is also an active member of the open source software community and has contributed to projects such as libnet, Backtrack, and Maltego.
Abdullin modern payments security. emv, nfc, etcDefconRussia
The document discusses modern payment security technologies like EMV and NFC. It provides an introduction to payment cards, describes the EMV standard for integrated circuit cards and terminals, and discusses attacks on both EMV and NFC technologies. It also covers future directions in payment security.
This document provides an overview of EMV chip card technology. It explains that EMV chip cards contain an embedded microprocessor chip that encrypts transaction data dynamically for each purchase. The chip technology, used in conjunction with a PIN or signature, provides two-factor authentication to combat fraud. It notes that the first U.S. payment card to use EMV technology was issued in 2010. The document also discusses EMV standards for contact and contactless cards, verification methods like chip-and-PIN versus chip-and-signature, and how EMV encryption and authentication works to improve payment security.
This document provides an introduction to EMV technology for electronic payment cards. It describes EMV as a global standard for credit and debit cards that uses chip card technology for added security compared to magnetic stripe cards. The document outlines the key aspects of EMV, including how it gets its name from Europay, Mastercard, and Visa, the standards organization EMVCo, how EMV chip cards and transactions work, challenges with EMV implementation, and how EMV provides more security than magnetic stripe cards through unique transaction codes. Methods of cardholder verification and authentication in EMV are also summarized.
This document provides an outline and overview of chapter 6 from Jerry Post's book on transactions and enterprise resource planning (ERP). It discusses how ERP systems efficiently collect transaction data, integrate operations across the organization, and combine data from different functional areas like production, purchasing, marketing and accounting. A key benefit of ERP systems is how they allow companies to become more efficient and productive by processing transactions, tracking inventory, and facilitating information sharing across the enterprise.
Secure PIN Management How to Issue and Change PINs Securely over the WebSafeNet
With 25 years of security industry leadership, SafeNet provides card issuers with a solution that
prevents disclosure of the PIN across the entire transaction, ensuring that the customer is the only person able to view their PIN online. SafeNet’s solution, ViewPIN+, allows PINs to be securely issued and managed over the Web, providing benefits
such as improved customer
service, cost savings, and peace
of mind to both the cardholder
and the card issuer.
The document discusses electronic payment systems and security. It describes typical electronic payment systems, security requirements for safe payments, and common security schemes. It covers SSL and SET protocols, electronic credit card systems, electronic funds transfer, stored value cards, and electronic check systems. The relationships between these topics are explained over several pages with diagrams.
This document provides an overview of EMV transaction flows, including:
1) EMV transactions involve application selection on the chip card to route transactions to the issuer bank, as well as terminal action analysis and cryptogram generation for online or offline authorization.
2) Offline authentication can involve static data authentication, dynamic data authentication, or combined authentication along with PIN verification on the chip card.
3) Security for e-commerce has evolved with techniques like CVV numbers, address verification, and tokenization to protect stored payment data.
Nadeem Douba, GWAPT, GPEN currently situated in the Ottawa (Ontario, Canada) valley, Nadeem provides technical security consulting services primarily to clients in the health, education, and public sectors. Nadeem has been involved within the security community for over ten years and has frequently presented talks in his local ISSA chapter, and most recently at DEF CON 20 on the topics of Open Source Intelligence and mobile security. He is also an active member of the open source software community and has contributed to projects such as libnet, Backtrack, and Maltego.
Abdullin modern payments security. emv, nfc, etcDefconRussia
The document discusses modern payment security technologies like EMV and NFC. It provides an introduction to payment cards, describes the EMV standard for integrated circuit cards and terminals, and discusses attacks on both EMV and NFC technologies. It also covers future directions in payment security.
This document provides an overview of EMV chip card technology. It explains that EMV chip cards contain an embedded microprocessor chip that encrypts transaction data dynamically for each purchase. The chip technology, used in conjunction with a PIN or signature, provides two-factor authentication to combat fraud. It notes that the first U.S. payment card to use EMV technology was issued in 2010. The document also discusses EMV standards for contact and contactless cards, verification methods like chip-and-PIN versus chip-and-signature, and how EMV encryption and authentication works to improve payment security.
This document provides an introduction to EMV technology for electronic payment cards. It describes EMV as a global standard for credit and debit cards that uses chip card technology for added security compared to magnetic stripe cards. The document outlines the key aspects of EMV, including how it gets its name from Europay, Mastercard, and Visa, the standards organization EMVCo, how EMV chip cards and transactions work, challenges with EMV implementation, and how EMV provides more security than magnetic stripe cards through unique transaction codes. Methods of cardholder verification and authentication in EMV are also summarized.
This document provides an outline and overview of chapter 6 from Jerry Post's book on transactions and enterprise resource planning (ERP). It discusses how ERP systems efficiently collect transaction data, integrate operations across the organization, and combine data from different functional areas like production, purchasing, marketing and accounting. A key benefit of ERP systems is how they allow companies to become more efficient and productive by processing transactions, tracking inventory, and facilitating information sharing across the enterprise.
Secure PIN Management How to Issue and Change PINs Securely over the WebSafeNet
With 25 years of security industry leadership, SafeNet provides card issuers with a solution that
prevents disclosure of the PIN across the entire transaction, ensuring that the customer is the only person able to view their PIN online. SafeNet’s solution, ViewPIN+, allows PINs to be securely issued and managed over the Web, providing benefits
such as improved customer
service, cost savings, and peace
of mind to both the cardholder
and the card issuer.
EMV is a standard for smart payment cards and terminals. EMV stands for – EuroPay, MasterCard and Visa, the three companies who were the founder of the standard. This standard is maintained by EMVCo – a consortium with payment brands like Visa, MasterCard, JCB, American Express, China UnionPay, Discover as members.
EMV Isn’t As Scary As You Think...
What if we told you that EMV is not something to panic about… would you believe us? It’s time to turn the misinformation and distraction into actionable knowledge and business savvy. After reading this guide, you will understand: what is EMV, how it could impact your business, and what to do about it.
The document discusses the upcoming EMV deadline in October 2015, where healthcare providers who accept credit card payments will be liable for fraud if their payment terminals are not EMV compliant. It explains that EMV uses chip technology for more secure transactions compared to magnetic stripe cards. It advises healthcare providers to contact Corral Solutions to prepare for the deadline and get EMV-ready payment terminals to avoid fraud liability.
This document discusses EMV chip card transactions and fraud prevention. It covers the key steps in an EMV transaction: card detection and application selection, reading application data and authentication, cardholder verification, transaction control, risk management, authorization, and final transaction processing. It then focuses on the different authentication methods used - static data authentication (SDA), dynamic data authentication (DDA), and combined data authentication (CDA) - and their effectiveness against fraud, with CDA providing the highest security since the authentication and authorization cryptograms are separate and dynamic.
Africa.
Clydestone is a leading Ghanaian IT company that provides various financial technology services including payment As a CUP Global Partner, G-Switch provides the following services:
processing, corporate networking, and transaction switching. It established Ghana's first automated clearing system
and still has the largest market share for cheque truncation processing. It also operates G-Switch, an electronic - Acquiring of CUP cards at ATMs, POS and eCommerce sites
payment platform that provides transaction switching and processing services to banks and other organizations in - Card issuing and processing of CUP cards
Ghana and supports international payments through partnerships with other payment networks. - Hosting of C
Pay your payments safely merchant account services by jay wigdoreJayWigdore
Jay Wigdore Az assist clients at GoPaymentPros where you can utilize banking partners to feature an all-inclusive solution that enables your business to accept hundreds of different currency types. GoPaymentPros mainly gateways allow: SSL Secure, Process Payments anywhere and Virtual Terminals and Multi-Currency Gateways Available.
Regional Account Manager for IMD is responsible for obtaining the lowest possible merchant fees for businesses by processing high volumes of transactions as a Tier 1 processor. They are also responsible for ensuring businesses are EMV/PCI DSS compliant by providing credit card terminals at affordable prices that are often covered by savings on fees. IMD can provide lower merchant fees by eliminating middlemen as a Tier 1 processor, increasing business profits. IMD will pay $250 if they cannot beat a business's current processing rates.
Our approach to segmentation recognises the uniqueness, dynamism and individuality of markets. This is because from our experience, global solutions and ‘one-size-fits-all’ brands have all too often produced less than actionable results for the highly diverse African market place.
This document discusses how Intrum Justitia Group, a market leader in credit management, can help companies increase sales, reduce risk, and automate credit management processes. It outlines Intrum's credit scoring system that assigns risk profiles to customers. Companies can integrate this system to set acceptance criteria and payment conditions. Intrum also offers payment handling services through the Buckaroo platform to provide various payment options. The document provides tips on using credit management and payment automation to improve cash flow.
https://www.payu.co.za/business/payu-3d-secure/ | South Africans are still sceptical about the online market and that’s why it’s a good idea for all online merchants to invest in 3D Secure security systems. It makes ecommerce payments more trustworthy by reducing the risk of fraud and, therefore, inviting more consumers to buy goods online. Study this guide and start improving your online business.
The document discusses EMV, a global standard for chip-based credit and debit card transactions. EMV aims to combat fraud by making transactions more secure compared to magnetic stripe-based transactions. An EMV transaction involves communication between the chip card and terminal throughout the transaction to jointly determine if it should be approved, declined, or require online authorization. This added security comes from the chip card containing secret data and dynamically generating unique transaction certificates.
The document provides an overview of traditional and electronic payment systems. It discusses the evolution of money from barter to cash and various traditional methods like cash, checks, credit cards, and electronic fund transfers. It then covers requirements, types of e-commerce transactions, and issues with adapting traditional payment methods to the online context. The rest of the document summarizes various electronic payment systems like e-cash, smart cards, checks, and credit cards; outlining how they work, security measures, pros/cons and examples like DigiCash, Mondex, and CyberCash.
The document discusses application security and threat modeling. It covers why security is important given increasing attacks, creating a security process involving people, process and technology, using threat modeling to understand threats by decomposing applications and determining STRIDE threats. It also discusses ranking threats by risk, choosing mitigation techniques, secure programming principles, and including security testing.
This document provides an overview of an integrated payment solution from CI L for auctions on the iPai website. It discusses the customer requirements, CI L's proposed solution, and introduces CI L. The solution allows users to register on iPai, pay a deposit to participate in auctions, select auction items, and make successful auction payments online through CI L's payment gateway. It considers two options for the deposit payment and discusses the transaction flow, supported transactions, settlement processing, advantages, and next steps to implement the solution.
EMV chip cards employ hardware-based cryptography to secure payments and restore security lost with magnetic stripe cards. Implementing EMV requires coordination across many areas like card design, terminal capabilities, payment network rules, and consumer education. EMV defines transaction processing flows between the card and terminal that provide authentication of the card and issuer control over authorization.
PayEasy is a global provider of electronic payment solutions. It aims to be the leading payment services company in regions like the Middle East, Asia, and North America. PayEasy offers credit card acquiring, payment processing, and risk management and fraud prevention solutions. It has operations across multiple regions and works with banks, merchants, and payment processors to provide secure and reliable payment services.
PCI Compliance What Does This Mean For the Australian Market Place 2007Jason Edelstein
This document provides an overview of PCI compliance requirements for merchants in the Australian market. It discusses the PCI Data Security Standard's six goals and twelve requirements. It outlines the different merchant levels and their associated compliance requirements, as well as the risks of non-compliance such as fines. It also examines the current state of PCI compliance in Australia and next steps, noting most merchants are now better prepared than 12-24 months ago but further education is still needed.
PCI Compliance—Love It, Hate It, But Don’t Ignore It (11NTCpci)Miminten
PCI Compliance is a standard for security of payment card data that all businesses processing credit cards must comply with. It aims to enhance payment security through requirements for security management, policies, procedures, network architecture, software design and other critical protective measures. The standard is maintained by the PCI Security Standards Council and enforced by the major credit card brands. Compliance involves conducting a risk assessment and completing a Self-Assessment Questionnaire to validate security controls.
Don't Handle Sensitive Data. Create A Tokenization Layer Around Your Enterprise.Paymetric, Inc.
This document discusses creating a tokenization layer around an enterprise to securely handle sensitive data. It describes how tokenization solutions can help companies qualify for SAQ-A for PCI compliance by outsourcing all cardholder data functions and not storing, processing, or transmitting cardholder data on premises. The document recommends consulting with an acquirer or QSA to confirm that a tokenization solution would achieve SAQ-A requirements.
This document provides an introduction to PCI-DSS (Payment Card Industry Data Security Standard). It defines key terms like PCI, cardholder data, and sensitive authentication data. It explains why PCI security standards are important to protect payment card data and prevent fraud. The document outlines the six goals and twelve requirements of PCI-DSS, as well as introducing PA-DSS which focuses on developing secure payment applications. It provides instructions on determining an organization's PCI compliance level and selecting the appropriate Self Assessment Questionnaire.
10 Steps To Secure and PCI Compliant Credit Card Processing In Oracle Receiva...amadhireddy
With the recent tightening of credit markets, companies are increasingly moving toward credit cards as the preferred receipt method. This helps companies transfer substantial part of credit risk to card issuer. However, processing of credit cards requires compliance with security standards, fraud prevention guidelines and often Purchase Card Industry Guidelines. This session will highlight the 10 things to know while implementing a credit card receipt model and how Oracle helps security and compliance. Learning Objectives: 1. Learn the credit card industry guidelines for security and compliance and industry operating model 2. Know how Oracle stores credit card data and the patches required for advanced security 3.Understand the zero-touch credit card processing features offered by Oracle Receivables and Payments 4.Case Study on how VeriSign Inc integrated its web stores with Oracle Payments and key lessons 5.Learn how Advanced Collections could be integrated with Payments for real-time credit card authorizations.
EMV is a standard for smart payment cards and terminals. EMV stands for – EuroPay, MasterCard and Visa, the three companies who were the founder of the standard. This standard is maintained by EMVCo – a consortium with payment brands like Visa, MasterCard, JCB, American Express, China UnionPay, Discover as members.
EMV Isn’t As Scary As You Think...
What if we told you that EMV is not something to panic about… would you believe us? It’s time to turn the misinformation and distraction into actionable knowledge and business savvy. After reading this guide, you will understand: what is EMV, how it could impact your business, and what to do about it.
The document discusses the upcoming EMV deadline in October 2015, where healthcare providers who accept credit card payments will be liable for fraud if their payment terminals are not EMV compliant. It explains that EMV uses chip technology for more secure transactions compared to magnetic stripe cards. It advises healthcare providers to contact Corral Solutions to prepare for the deadline and get EMV-ready payment terminals to avoid fraud liability.
This document discusses EMV chip card transactions and fraud prevention. It covers the key steps in an EMV transaction: card detection and application selection, reading application data and authentication, cardholder verification, transaction control, risk management, authorization, and final transaction processing. It then focuses on the different authentication methods used - static data authentication (SDA), dynamic data authentication (DDA), and combined data authentication (CDA) - and their effectiveness against fraud, with CDA providing the highest security since the authentication and authorization cryptograms are separate and dynamic.
Africa.
Clydestone is a leading Ghanaian IT company that provides various financial technology services including payment As a CUP Global Partner, G-Switch provides the following services:
processing, corporate networking, and transaction switching. It established Ghana's first automated clearing system
and still has the largest market share for cheque truncation processing. It also operates G-Switch, an electronic - Acquiring of CUP cards at ATMs, POS and eCommerce sites
payment platform that provides transaction switching and processing services to banks and other organizations in - Card issuing and processing of CUP cards
Ghana and supports international payments through partnerships with other payment networks. - Hosting of C
Pay your payments safely merchant account services by jay wigdoreJayWigdore
Jay Wigdore Az assist clients at GoPaymentPros where you can utilize banking partners to feature an all-inclusive solution that enables your business to accept hundreds of different currency types. GoPaymentPros mainly gateways allow: SSL Secure, Process Payments anywhere and Virtual Terminals and Multi-Currency Gateways Available.
Regional Account Manager for IMD is responsible for obtaining the lowest possible merchant fees for businesses by processing high volumes of transactions as a Tier 1 processor. They are also responsible for ensuring businesses are EMV/PCI DSS compliant by providing credit card terminals at affordable prices that are often covered by savings on fees. IMD can provide lower merchant fees by eliminating middlemen as a Tier 1 processor, increasing business profits. IMD will pay $250 if they cannot beat a business's current processing rates.
Our approach to segmentation recognises the uniqueness, dynamism and individuality of markets. This is because from our experience, global solutions and ‘one-size-fits-all’ brands have all too often produced less than actionable results for the highly diverse African market place.
This document discusses how Intrum Justitia Group, a market leader in credit management, can help companies increase sales, reduce risk, and automate credit management processes. It outlines Intrum's credit scoring system that assigns risk profiles to customers. Companies can integrate this system to set acceptance criteria and payment conditions. Intrum also offers payment handling services through the Buckaroo platform to provide various payment options. The document provides tips on using credit management and payment automation to improve cash flow.
https://www.payu.co.za/business/payu-3d-secure/ | South Africans are still sceptical about the online market and that’s why it’s a good idea for all online merchants to invest in 3D Secure security systems. It makes ecommerce payments more trustworthy by reducing the risk of fraud and, therefore, inviting more consumers to buy goods online. Study this guide and start improving your online business.
The document discusses EMV, a global standard for chip-based credit and debit card transactions. EMV aims to combat fraud by making transactions more secure compared to magnetic stripe-based transactions. An EMV transaction involves communication between the chip card and terminal throughout the transaction to jointly determine if it should be approved, declined, or require online authorization. This added security comes from the chip card containing secret data and dynamically generating unique transaction certificates.
The document provides an overview of traditional and electronic payment systems. It discusses the evolution of money from barter to cash and various traditional methods like cash, checks, credit cards, and electronic fund transfers. It then covers requirements, types of e-commerce transactions, and issues with adapting traditional payment methods to the online context. The rest of the document summarizes various electronic payment systems like e-cash, smart cards, checks, and credit cards; outlining how they work, security measures, pros/cons and examples like DigiCash, Mondex, and CyberCash.
The document discusses application security and threat modeling. It covers why security is important given increasing attacks, creating a security process involving people, process and technology, using threat modeling to understand threats by decomposing applications and determining STRIDE threats. It also discusses ranking threats by risk, choosing mitigation techniques, secure programming principles, and including security testing.
This document provides an overview of an integrated payment solution from CI L for auctions on the iPai website. It discusses the customer requirements, CI L's proposed solution, and introduces CI L. The solution allows users to register on iPai, pay a deposit to participate in auctions, select auction items, and make successful auction payments online through CI L's payment gateway. It considers two options for the deposit payment and discusses the transaction flow, supported transactions, settlement processing, advantages, and next steps to implement the solution.
EMV chip cards employ hardware-based cryptography to secure payments and restore security lost with magnetic stripe cards. Implementing EMV requires coordination across many areas like card design, terminal capabilities, payment network rules, and consumer education. EMV defines transaction processing flows between the card and terminal that provide authentication of the card and issuer control over authorization.
PayEasy is a global provider of electronic payment solutions. It aims to be the leading payment services company in regions like the Middle East, Asia, and North America. PayEasy offers credit card acquiring, payment processing, and risk management and fraud prevention solutions. It has operations across multiple regions and works with banks, merchants, and payment processors to provide secure and reliable payment services.
PCI Compliance What Does This Mean For the Australian Market Place 2007Jason Edelstein
This document provides an overview of PCI compliance requirements for merchants in the Australian market. It discusses the PCI Data Security Standard's six goals and twelve requirements. It outlines the different merchant levels and their associated compliance requirements, as well as the risks of non-compliance such as fines. It also examines the current state of PCI compliance in Australia and next steps, noting most merchants are now better prepared than 12-24 months ago but further education is still needed.
PCI Compliance—Love It, Hate It, But Don’t Ignore It (11NTCpci)Miminten
PCI Compliance is a standard for security of payment card data that all businesses processing credit cards must comply with. It aims to enhance payment security through requirements for security management, policies, procedures, network architecture, software design and other critical protective measures. The standard is maintained by the PCI Security Standards Council and enforced by the major credit card brands. Compliance involves conducting a risk assessment and completing a Self-Assessment Questionnaire to validate security controls.
Don't Handle Sensitive Data. Create A Tokenization Layer Around Your Enterprise.Paymetric, Inc.
This document discusses creating a tokenization layer around an enterprise to securely handle sensitive data. It describes how tokenization solutions can help companies qualify for SAQ-A for PCI compliance by outsourcing all cardholder data functions and not storing, processing, or transmitting cardholder data on premises. The document recommends consulting with an acquirer or QSA to confirm that a tokenization solution would achieve SAQ-A requirements.
This document provides an introduction to PCI-DSS (Payment Card Industry Data Security Standard). It defines key terms like PCI, cardholder data, and sensitive authentication data. It explains why PCI security standards are important to protect payment card data and prevent fraud. The document outlines the six goals and twelve requirements of PCI-DSS, as well as introducing PA-DSS which focuses on developing secure payment applications. It provides instructions on determining an organization's PCI compliance level and selecting the appropriate Self Assessment Questionnaire.
10 Steps To Secure and PCI Compliant Credit Card Processing In Oracle Receiva...amadhireddy
With the recent tightening of credit markets, companies are increasingly moving toward credit cards as the preferred receipt method. This helps companies transfer substantial part of credit risk to card issuer. However, processing of credit cards requires compliance with security standards, fraud prevention guidelines and often Purchase Card Industry Guidelines. This session will highlight the 10 things to know while implementing a credit card receipt model and how Oracle helps security and compliance. Learning Objectives: 1. Learn the credit card industry guidelines for security and compliance and industry operating model 2. Know how Oracle stores credit card data and the patches required for advanced security 3.Understand the zero-touch credit card processing features offered by Oracle Receivables and Payments 4.Case Study on how VeriSign Inc integrated its web stores with Oracle Payments and key lessons 5.Learn how Advanced Collections could be integrated with Payments for real-time credit card authorizations.
This document discusses the importance of PCI compliance for businesses that accept credit cards. It begins by explaining what PCI is and the penalties for non-compliance, which include fines and forensic investigation costs. It then outlines who must comply with PCI standards based on their role in processing credit card transactions. The document concludes by emphasizing the costs of a security breach and provides tips for businesses to improve their PCI compliance.
PCI DSS can be one of the most infuriating set of standards on the compliance landscape. While it seems simple--six domains and twelve requirements--the art of interpreting PCI can lead to full blown war in an organization--with the security team at the center. In this session we’ll demystify some of the more difficult and misunderstood aspects of PCI DSS. We’ll cover the important changes from recently announced PCI DSS 3.0. We’ll also discuss the best practices for starting (and maintaining) a PCI DSS initiative in an organization and how to avoid battles with the QSA.
This document summarizes a research paper that proposes a two-factor authentication protocol for secure mobile payments. The protocol uses transaction identification codes (TICs) and SMS messages for authentication. TICs are one-time passwords issued by banks to users. The protocol encrypts and stores TIC lists on users' phones. During a transaction, the user selects a TIC which is verified by the bank. An SMS is also sent to the user for confirmation. The protocol aims to securely authenticate both the user and transaction using the user's mobile device and banking information.
Demystifying PCI DSS: Expert Tips and Explanations to Help You Gain PCI DSS C...Rapid7
The Payment Card Industry Data Security Standards (PCI DSS), with its over 200 requirements, can seem like a daunting set of regulations. Nonetheless, if your organization handles any kind of credit card information, you must be PCI DSS compliant. As difficult as this can seem, you can get expert help with our new eBook: Demystifying PCI DSS: Expert Tips and Explanations to Help You Gain PCI DSS Compliance.
The Card Associations have adopted the PCI Standards to better secure cardholder information and reduce illegal use of stolen data. The Payment Card Industry Data Security Standard (PCIDSS) was developed jointly by major credit card brands to protect merchants, customers, and the integrity of the payment system from increasing incidents of stolen card data. All merchants who accept credit and debit cards must comply with the PCI data security standards.
The document discusses PCI DSS compliance requirements for businesses that accept credit cards. It covers what PCI DSS is, who it applies to, how compliance is achieved, why the standards were established, impacts of non-compliance such as fraud and fines, and steps businesses need to take to protect customer payment data and stay compliant.
How to navigate the e-commerce minefield so you can launch the best site possible. The presentation goes over payment gateways, how credit card processing works, merchant accounts, SSL certificates, PCI compliance, WordPress security tips and (briefly) some of the more popular e-commerce plugin solutions for WordPress.
This talk was presented in NULL Delhi chapter meet in 2014, as an insight into the world of PCI (Payment Card Industry) and the 12 requirements of PCI DSS
PCI DSS is an information security standard that requires the implementation of controls over cardholder data to reduce credit card fraud. It was created by the major credit card companies and applies to all merchants and service providers that accept credit cards. Compliance is mandatory. The standard contains over 230 controls and merchant compliance requirements vary based on the number of annual card transactions processed. Failure to comply with PCI DSS could result in liability for fraudulent charges, loss of reputation, loss of ability to process payments.
Payliance offers an industry partner program that provides integrated payment and recovery solutions. The program offers benefits like PCI scope minimization, multiple payment methods through a single gateway, branded marketing materials, and an extremely competitive revenue share. Partners gain access to Payliance's portfolio of over 30,000 merchants across industries and can offer their clients a total payment solution with competitive pricing, electronic check guarantee, custom reporting, and an integrated payment recovery process.
This document provides an overview of PCI compliance and guidance for organizations starting their PCI compliance journey. It discusses what PCI is, the 12 main requirements, self-assessment questionnaires (SAQs) for different merchant levels, goals of PCI compliance and associated requirements. It provides tips on determining an organization's current state of compliance, reducing the scope of compliance, treating PCI compliance as a project, and resources for assistance. The overall document aims to give a practical introduction to PCI compliance and next steps for organizations handling cardholder data.
This document provides a guide on best practices for using 3D Secure for eCommerce transactions. It discusses 9 lessons: 1) opting out of 3D Secure for low risk transactions, 2) securing issuer and acquirer questions during registration, 3) securing the registration process, 4) checking risk for each transaction, 5) moving away from static passwords, 6) being open to new technologies, 7) using 3D Secure to increase transactions and profit through targeted offers, 8) not forgetting debit cards, and 9) trusting experts to ensure success in eCommerce. It emphasizes the importance of security for eCommerce transactions and how 3D Secure can provide added protection over credit cards alone.
The document discusses the Payment Card Industry Data Security Standard (PCI DSS) compliance. It provides an overview of the PCI DSS requirements and compliance framework. Merchants and service providers are required to comply with the PCI DSS to protect credit card data and prevent data breaches. Non-compliance can result in significant fines and penalties, loss of customers, and reputational damage for companies that experience a data breach. The document also outlines the different merchant levels and validation requirements under the PCI DSS.
The document provides an overview of the cards and payments industry. It discusses the different types of credit cards including purchasing cards, corporate travel and entertainment cards, small business cards, fleet cards, payroll/prepaid cards, and healthcare cards. It outlines the key parties involved in the industry including cardholders, issuing banks, merchants, acquiring banks, and credit card associations. It also describes how credit cards work, how online credit card processing works, and the payment processing settlement process. Finally, it provides data on the size of the US credit cards market and growth projections for different card types such as health savings accounts.
Sense of Security Best practice strategies to improve your enterprise securityJason Edelstein
Best practice strategies to improve your enterprise security
Examining the recent cases of security breaches to understand where your network is weak
Analysing your existing security platform to mitigate the risk of breaches and theft
Understanding the risks of damages associated to data security breach and related data theft
Sense of security - Virtualisation Security for Regulated EnvironmentsJason Edelstein
Virtualisation technology is now prevalent at all layers in modern computing, frequently operating behind the scenes transparent to the end user. This is the technology that is driving the cloud computing revolution, providing access to resources and applications across global networks and multitudes of operating platforms. Gartner report that “more than 80 percent of enterprises now have a virtualization program or project. … Virtualization will continue as the highest-impact issue challenging infrastructure and operations through 2015, changing how you manage, how and what you buy, how you deploy” (Sep 2010). And “Through 2012, 60 percent of virtualized servers will be less secure than the physical servers they replace” (March 2010) With the broad adoption of this technology, organisations must determine how the integrity of their systems can be maintained where physical boundaries no longer exist. While this is important to all entities, those operating in more regulated industries will need to demonstrate their compliance with standards which is far more complicated where systems have been virtualised. Of particular importance is the concept of mixed-mode - workloads operating under significantly different trust levels – where the appropriateness of virtualisation should be carefully considered. The primary concern of such implementations is that a system operating at a lower level of trust could be used as a launch pad for an attack on other more trusted systems. Mixed-mode is ubiquitous in hosted solutions and prevalent across internal systems as well.
Sense of Security - Securing Virtualised Environments; Focus on the FundamentalsJason Edelstein
Virtualisation of ICT infrastructure has been one of the more recent strategies to achieve substantial technical and commercial gains from your technology investment; organisations of all sizes are either evaluating it or using it!
So what’s the catch? Put simply, the principles of information security are regularly overlooked during the planning and deployment stages of a virtualisation program.
This webinar will explore some of the security risks that organisations inadvertently expose there businesses to when deploying virtualised infrastructure. Furthermore the presenter will discuss the fundamentals of information security, and importantly how to apply these fundamentals in a virtualised environment to manage risk and protect critical information assets.
The document discusses PCI compliance as a business issue rather than an IT issue. It notes that while PCI requirements address technical security controls, compliance is ultimately about protecting the business from financial and reputational risks associated with a data breach. Outsourcing PCI functions may simplify compliance validation but does not fully address the underlying security risks. The document emphasizes that PCI compliance requires ongoing effort across an organization and should be treated as a continuous process rather than a one-time project.
Addressing Security Challenges of Mobility and Web 2.0 2009Jason Edelstein
This document summarizes a presentation on addressing security challenges of emerging technologies like mobility and Web 2.0. The presentation agenda covers business drivers for these technologies, introductions to Web 2.0 and mobility, how corporations typically respond by either permitting or denying access, current trends and their relevance, and security issues related to both web applications and mobility. The presentation aims to provide an overview of these emerging technologies and discuss strategies for securing them.
Achieving PCI Compliance Long And Short Term Strategies 2009Jason Edelstein
The document discusses strategies for achieving PCI compliance. It argues that PCI compliance is often seen as an IT issue but is actually a business issue that requires involvement from across an organization. It recommends prioritizing requirements, reducing data scope, protecting networks, and establishing long-term policies and processes to maintain ongoing compliance. Achieving compliance requires backing from the business, not just an IT project approach, in order to properly address the organizational risks.
Virtualisation: Pitfalls in Corporate VMware ImplementationsJason Edelstein
Discusses virtualisation security threats and countermeasures with a specific focus on the VMware virtualisation platform.
Additional information can be found at: http://www.senseofsecurity.com.au
VoIP: Attacks & Countermeasures in the Corporate WorldJason Edelstein
Discusses VoIP security threats and countermeasures with a specific focus on the Cisco Call Manager implementations.
Additional information can be found at: http://www.senseofsecurity.com.au
Discusses the security threats associated with web 2.0 and the one's you should be concerned about.
Additional information can be found at: http://www.senseofsecurity.com.au
Ocean lotus Threat actors project by John Sitima 2024 (1).pptxSitimaJohn
Ocean Lotus cyber threat actors represent a sophisticated, persistent, and politically motivated group that poses a significant risk to organizations and individuals in the Southeast Asian region. Their continuous evolution and adaptability underscore the need for robust cybersecurity measures and international cooperation to identify and mitigate the threats posed by such advanced persistent threat groups.
AI-Powered Food Delivery Transforming App Development in Saudi Arabia.pdfTechgropse Pvt.Ltd.
In this blog post, we'll delve into the intersection of AI and app development in Saudi Arabia, focusing on the food delivery sector. We'll explore how AI is revolutionizing the way Saudi consumers order food, how restaurants manage their operations, and how delivery partners navigate the bustling streets of cities like Riyadh, Jeddah, and Dammam. Through real-world case studies, we'll showcase how leading Saudi food delivery apps are leveraging AI to redefine convenience, personalization, and efficiency.
Things to Consider When Choosing a Website Developer for your Website | FODUUFODUU
Choosing the right website developer is crucial for your business. This article covers essential factors to consider, including experience, portfolio, technical skills, communication, pricing, reputation & reviews, cost and budget considerations and post-launch support. Make an informed decision to ensure your website meets your business goals.
Fueling AI with Great Data with Airbyte WebinarZilliz
This talk will focus on how to collect data from a variety of sources, leveraging this data for RAG and other GenAI use cases, and finally charting your course to productionalization.
Unlocking Productivity: Leveraging the Potential of Copilot in Microsoft 365, a presentation by Christoforos Vlachos, Senior Solutions Manager – Modern Workplace, Uni Systems
Programming Foundation Models with DSPy - Meetup SlidesZilliz
Prompting language models is hard, while programming language models is easy. In this talk, I will discuss the state-of-the-art framework DSPy for programming foundation models with its powerful optimizers and runtime constraint system.
Climate Impact of Software Testing at Nordic Testing DaysKari Kakkonen
My slides at Nordic Testing Days 6.6.2024
Climate impact / sustainability of software testing discussed on the talk. ICT and testing must carry their part of global responsibility to help with the climat warming. We can minimize the carbon footprint but we can also have a carbon handprint, a positive impact on the climate. Quality characteristics can be added with sustainability, and then measured continuously. Test environments can be used less, and in smaller scale and on demand. Test techniques can be used in optimizing or minimizing number of tests. Test automation can be used to speed up testing.
Ivanti’s Patch Tuesday breakdown goes beyond patching your applications and brings you the intelligence and guidance needed to prioritize where to focus your attention first. Catch early analysis on our Ivanti blog, then join industry expert Chris Goettl for the Patch Tuesday Webinar Event. There we’ll do a deep dive into each of the bulletins and give guidance on the risks associated with the newly-identified vulnerabilities.
HCL Notes und Domino Lizenzkostenreduzierung in der Welt von DLAUpanagenda
Webinar Recording: https://www.panagenda.com/webinars/hcl-notes-und-domino-lizenzkostenreduzierung-in-der-welt-von-dlau/
DLAU und die Lizenzen nach dem CCB- und CCX-Modell sind für viele in der HCL-Community seit letztem Jahr ein heißes Thema. Als Notes- oder Domino-Kunde haben Sie vielleicht mit unerwartet hohen Benutzerzahlen und Lizenzgebühren zu kämpfen. Sie fragen sich vielleicht, wie diese neue Art der Lizenzierung funktioniert und welchen Nutzen sie Ihnen bringt. Vor allem wollen Sie sicherlich Ihr Budget einhalten und Kosten sparen, wo immer möglich. Das verstehen wir und wir möchten Ihnen dabei helfen!
Wir erklären Ihnen, wie Sie häufige Konfigurationsprobleme lösen können, die dazu führen können, dass mehr Benutzer gezählt werden als nötig, und wie Sie überflüssige oder ungenutzte Konten identifizieren und entfernen können, um Geld zu sparen. Es gibt auch einige Ansätze, die zu unnötigen Ausgaben führen können, z. B. wenn ein Personendokument anstelle eines Mail-Ins für geteilte Mailboxen verwendet wird. Wir zeigen Ihnen solche Fälle und deren Lösungen. Und natürlich erklären wir Ihnen das neue Lizenzmodell.
Nehmen Sie an diesem Webinar teil, bei dem HCL-Ambassador Marc Thomas und Gastredner Franz Walder Ihnen diese neue Welt näherbringen. Es vermittelt Ihnen die Tools und das Know-how, um den Überblick zu bewahren. Sie werden in der Lage sein, Ihre Kosten durch eine optimierte Domino-Konfiguration zu reduzieren und auch in Zukunft gering zu halten.
Diese Themen werden behandelt
- Reduzierung der Lizenzkosten durch Auffinden und Beheben von Fehlkonfigurationen und überflüssigen Konten
- Wie funktionieren CCB- und CCX-Lizenzen wirklich?
- Verstehen des DLAU-Tools und wie man es am besten nutzt
- Tipps für häufige Problembereiche, wie z. B. Team-Postfächer, Funktions-/Testbenutzer usw.
- Praxisbeispiele und Best Practices zum sofortigen Umsetzen
UiPath Test Automation using UiPath Test Suite series, part 6DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 6. In this session, we will cover Test Automation with generative AI and Open AI.
UiPath Test Automation with generative AI and Open AI webinar offers an in-depth exploration of leveraging cutting-edge technologies for test automation within the UiPath platform. Attendees will delve into the integration of generative AI, a test automation solution, with Open AI advanced natural language processing capabilities.
Throughout the session, participants will discover how this synergy empowers testers to automate repetitive tasks, enhance testing accuracy, and expedite the software testing life cycle. Topics covered include the seamless integration process, practical use cases, and the benefits of harnessing AI-driven automation for UiPath testing initiatives. By attending this webinar, testers, and automation professionals can gain valuable insights into harnessing the power of AI to optimize their test automation workflows within the UiPath ecosystem, ultimately driving efficiency and quality in software development processes.
What will you get from this session?
1. Insights into integrating generative AI.
2. Understanding how this integration enhances test automation within the UiPath platform
3. Practical demonstrations
4. Exploration of real-world use cases illustrating the benefits of AI-driven test automation for UiPath
Topics covered:
What is generative AI
Test Automation with generative AI and Open AI.
UiPath integration with generative AI
Speaker:
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
In his public lecture, Christian Timmerer provides insights into the fascinating history of video streaming, starting from its humble beginnings before YouTube to the groundbreaking technologies that now dominate platforms like Netflix and ORF ON. Timmerer also presents provocative contributions of his own that have significantly influenced the industry. He concludes by looking at future challenges and invites the audience to join in a discussion.
Building Production Ready Search Pipelines with Spark and MilvusZilliz
Spark is the widely used ETL tool for processing, indexing and ingesting data to serving stack for search. Milvus is the production-ready open-source vector database. In this talk we will show how to use Spark to process unstructured data to extract vector representations, and push the vectors to Milvus vector database for search serving.
Removing Uninteresting Bytes in Software FuzzingAftab Hussain
Imagine a world where software fuzzing, the process of mutating bytes in test seeds to uncover hidden and erroneous program behaviors, becomes faster and more effective. A lot depends on the initial seeds, which can significantly dictate the trajectory of a fuzzing campaign, particularly in terms of how long it takes to uncover interesting behaviour in your code. We introduce DIAR, a technique designed to speedup fuzzing campaigns by pinpointing and eliminating those uninteresting bytes in the seeds. Picture this: instead of wasting valuable resources on meaningless mutations in large, bloated seeds, DIAR removes the unnecessary bytes, streamlining the entire process.
In this work, we equipped AFL, a popular fuzzer, with DIAR and examined two critical Linux libraries -- Libxml's xmllint, a tool for parsing xml documents, and Binutil's readelf, an essential debugging and security analysis command-line tool used to display detailed information about ELF (Executable and Linkable Format). Our preliminary results show that AFL+DIAR does not only discover new paths more quickly but also achieves higher coverage overall. This work thus showcases how starting with lean and optimized seeds can lead to faster, more comprehensive fuzzing campaigns -- and DIAR helps you find such seeds.
- These are slides of the talk given at IEEE International Conference on Software Testing Verification and Validation Workshop, ICSTW 2022.
1. AISA Sydney
15th April 2009
Where PCI stands today:
Who needs to do What, by When
Presented by: David Light
Sense of Security Pty Ltd
www.senseofsecurity.com.au
2. Agenda
• Overview of PCI DSS
• Compliance requirements – What & When
• Risks & consequences of non-compliance
• Lessons learned & prioritising remediation
• Approach for PCI compliance
www.senseofsecurity.com.au
3. PCI Security Standards Council
Members
PCI DSS is developed to
encourage and enhance
cardholder data security
www.senseofsecurity.com.au
4. Terminology: Merchant, Acquirer,
Issuer and Service Provider
Merchant
Customer requests
Client OR
purchase
transaction on PC
OR
Merchant receives Merchant swipes the card,
authorisation response and enters the dollar amount.
completes the transaction.
Merchant bank forwards Authorisation request
authorisation response is sent to acquiring
to merchant. merchant bank.
Customer bank sends Service
funds to merchant bank. Providers
Merchant bank
sends transaction
information to
Customer bank customer bank
verifies credit card : k:
a nk (Issuer) through
an
and clears request. B Card Scheme tB
m er r an irer
sto sue
Network h
C u Is erc cqu
M A
www.senseofsecurity.com.au
5. Who must comply?
• Everyone who stores, processes or
transmits cardholder data must comply
with PCI DSS
– PCI compliance is mandatory
– PCI applies to all parties in the payment
process
– You cannot be partially compliant:
Compliance is PASS/FAIL
www.senseofsecurity.com.au
6. Who must comply?
• If you outsource components of your PCI
process to Service Providers, they must
comply
– Either they are included in your scope
– Or they must provide evidence to
demonstrate their compliance
www.senseofsecurity.com.au
7. 2: Compliance requirements – What & When
Six Goals, Twelve Requirements
The Payment Card Industry Data Security Standard (PCI DSS)
Build and Maintain a 1. Install and maintain a firewall configuration to protect
Secure Network cardholder data
2. Do not use vendor-supplied defaults for system
passwords and other security parameters
Protect Cardholder Data 3. Protect stored data
4. Encrypt transmission of cardholder data across open,
public networks
Maintain a Vulnerability 5. Use and regularly update anti-virus software
Management Program 6. Develop and maintain secure systems and applications
Implement Strong Access 7. Restrict access to cardholder data by business need-to-
Control Measures know
8. Assign a unique ID to each person with computer
access
9. Restrict physical access to cardholder data
Regularly Monitor and 10. Track and monitor all access to network resources and
Test Networks cardholder data
11. Regularly test security systems and processes
Maintain an Information 12. Maintain a policy that addresses
Security Policy information security
www.senseofsecurity.com.au
8. PCI DSS Merchant Levels
(Visa and Mastercard)
Level 1 Level 2 Level 3 Level 4
More than 6m Between 1m Between 20k All Others
Transactions or and 6m and 1m (Under 20k e-
Cardholder data transactions e-commerce commerce and
has been transactions under 1m
compromised transactions)
Self Not Required Mandated Mandated Mandated
Assessment *
Vulnerability Mandated Mandated Mandated Mandated
Scan †
Onsite Mandated Not Required Not Required Not Required
Review ‡
Example: Visa penalties of US$10k & US$5k /
merchant / month from Sept 2009 for Merchant
Levels 1 and 2 respectively. Acquirer is liable.
www.senseofsecurity.com.au
9. Westpac Merchant Levels
(Visa/MasterCard/Bankcard)
Level 3 Level 2 Level 1 Level 0
Above Between Between Under
A$800,000 or A$150,000 & A$30,000 & A$30,000
Cardholder data A$800,000 A$150,000
has been
compromised
Self Mandated Mandated Mandated Not Required
Assessment *
Vulnerability Mandated Mandated Not Required Not Required
Scan †
Onsite Mandated Not Required Not Required Not Required
Review ‡
www.senseofsecurity.com.au
10. Service Provider Obligations
Level Visa MasterCard American Requirement
Express
1 VisaNet All Third Party All Third •Annual onsite review &
processors or any Processors (TPP) Party ROC by Qualified
service provider Processors Security Assessor
that stores, All Data Storage (TPP) (QSA)
processes and/or Entities (DSE) that
•Quarterly network
transmits over store, transmit or
security scan by ASV
300k transactions process greater than
(Approved Scanning
/ year 1m transactions
Vendor)
2 Any service All DSEs that store, N/A •Annual completion of
provider that transmit or process PCI DSS self
stores, processes less than 1m assessment
and/or transmits transactions questionnaire
less than 300k
•Quarterly network
transactions / year
security scan by ASV
Feb.1, 2009: Only Level 1 service providers will be listed
on Visa’s List of PCI DSS Compliant Service Providers
www.senseofsecurity.com.au
11. Who must comply and When?
• Merchants, Acquirers, Issuers, Service
Providers:
– PCI Compliance is mandatory NOW.
• Merchants: VISA penalties will apply:
– September 30, 2009: Level 1& 2: Attest to
not storing prohibited data (aligned with
Acquirers)
– September 30, 2010: Level 1: Full compliance
– Fines are issued to the Acquiring Bank, who
may pass it on to the Merchant
www.senseofsecurity.com.au
12. Who must comply and When?
• Acquirers (per VISA)
– September 30, 2009 - Attest to not storing
prohibited data (aligned with level
1 merchants)
– September 30, 2010 - Full PCI DSS
compliance - (if not compliant provide ROC
and remediation plan for evaluation)
• Service Providers
– Need to provide evidence of compliance to
align with their client’s PCI compliance
programs
www.senseofsecurity.com.au
13. 3: Risks & consequences of non-
compliance
• Risks
– PCI DSS is mandatory
– Breach impact can be massive (Forrester
Research: US$90 to US$305 per lost record)
• Consequences
– Card imposed fines up to US$500,000 per
incident
– Legal authorities need to be notified & free
credit protection offered to those affected
– Brand impacts (customer & shareholder level)
& legal action by card holders
www.senseofsecurity.com.au
14. Performance gains expected from
ongoing IT controls and compliance
• Loss from security events
• Detection of security breaches via
automated controls
• Unplanned work
• Success rate of changes
• First fix rate
• Servers per system administrator
Source: IT Process Institute, 2006 - 2009
www.senseofsecurity.com.au
15. 4: Lessons learned & prioritising remediation
Lessons learned – Tips to avoid failure
Top 5 Failed Requirements Relevant Compromise Recommended Tactics
Requirement 3: Protect stored Unencrypted spreadsheet data; Store less data;
data unsecured physical assets Understand the flow of data;
Encrypt data
Requirement 11: Regularly POS/shopping cart application Rigorously test applications;
test security systems and vulnerabilities; most data Scan quarterly
processes compromises can be attributed to
a Web application vulnerability
Requirement 8: Assign a Weak or easily guessed Improve security awareness
unique ID to each person with administrative account
computer access passwords
Requirement 10: Track & Lack of log monitoring and IDS Install intrusion detection or
monitor all access to network data; prevention devices;
resources & cardholder data Poor logging tools Improve log monitoring and
retention
Requirement 1: Install & Card numbers in the DMZ; Segment credit card networks and
maintain a firewall Segmentation flaws control access to them
configuration to protect data
Source: Verisign
www.senseofsecurity.com.au
16. Lessons learned – Managing a PCI audit
• PCI is about people and business
processes as well as systems
• Engage with experts
• Reduce scope where possible
• Set and manage expectations
• Have friends (internally) in high places
• Ensure governance for PCI audit is in
place
www.senseofsecurity.com.au
17. Prioritising remediation effort
Prioritised Approach PCI SSC 2009
Six security milestones:
1. Remove sensitive authentication data and
limit data retention
2. Protect the perimeter, internal, and wireless
networks
3. Secure payment card applications
4. Monitor and control access to your systems
5. Protect stored cardholder data
6. The rest, and ensure all controls are in place
www.senseofsecurity.com.au
18. 5: Approach for PCI compliance
Start with a Scope Review
PCI DSS applies to any network component,
server or application included or connected to the
card-holder data environment
Start with a Scope Review, addressing:
– Network Segmentation
– Wireless
– Third Party / Outsourcing
– Sample Business Facilities & System Cmpnts
– Compensating Controls
www.senseofsecurity.com.au
19. PCI Assessment Approach
• Then commence the PCI Audit
– Preparation
– On-site Audit
– Post-site Analysis and Reporting
– Remediation
– Final Audit and Lodgement
– Maintenance
• Expect the PCI compliance program to take 6 to
12 months to complete
www.senseofsecurity.com.au
20. Thank you
David Light
Sense of Security Pty Ltd
Level 3, 66 King Street
Sydney NSW 2000
T: +61 (0)2 9290 4444
M: +61 (0)423 121 217
W: www.senseofsecurity.com.au
E: DavidL@senseofsecurity.com.au
www.senseofsecurity.com.au