November 17, 2011

PCI-DSS : Payment Card Industry Data Security Standard

PCI-DSS
Payment Card Industry (PCI) Data Security Standard (DSS) is a standard that all organizations including online retailers, must follow when storing, processing and transmitting their customer's credit card information.

The DSS was developed and the standard is maintained by Payment Card Industry Security Standards Council (PCI SCC).

Listed below are the twelve requirements for PCI DSS Compliance.


Build and Maintain a Secure Network
• Requirement 1: Install and maintain a firewall configuration to protect cardholder data
• Requirement 2: Do not use vendor-supplied defaults for system passwords and other security parameters

Protect Cardholder Data
• Requirement 3: Protect stored cardholder data
• Requirement 4: Encrypt transmission of cardholder data across open, public networks

Maintain a Vulnerability Management Program
• Requirement 5: Use and regularly update anti-virus software
• Requirement 6: Develop and maintain secure systems and applications

Implement Strong Access Control Measures
• Requirement 7: Restrict access to cardholder data by business need-to-know
• Requirement 8: Assign a unique ID to each person with computer access
• Requirement 9: Restrict physical access to cardholder data


Regularly Monitor and Test Networks
• Requirement 10: Track and monitor all access to network resources and cardholder data
• Requirement 11: Regularly test security systems and processes

Maintain an Information Security Policy
• Requirement 12: Maintain a policy that addresses information security