PCI Compliance
The PCI DSS version 1.1, a set of comprehensive requirements for enhancing payment account data security, was developed by the founding payment brands of the PCI Security Standards Council, including American Express, Discover Financial Services, JCB International, MasterCard Worldwide and Visa Inc. International, to help facilitate the broad adoption of consistent data security measures on a global basis.
The PCI DSS is a multifaceted security standard that includes requirements for security management, policies, procedures, network architecture, software design and other critical protective measures.
This comprehensive standard is intended to help organizations proactively protect customer account data.
The PCI Security Standards Council will enhance the PCI DSS as needed to ensure that the standard includes any new or modified requirements necessary to mitigate emerging payment security risks, while continuing to foster wide-scale adoption.
Ongoing development of the standard will provide for feedback from the Advisory Board and other participating organizations.
All key stakeholders are encouraged to provide input, during the creation and review of proposed additions or modifications to the PCI DSS.
The core of the PCI DSS is a group of principles and accompanying requirements, around which the specific elements of the DSS are organized:
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
To further the adoption of the PCI DSS, the PCI Security Standards Council defines credentials and qualifications for QSAs and ASVs.
The PCI Security Standards Council also manages a global training and certification program for QSAs and ASVs, and will publish a directory of certified providers on this Web site.
The PCI Security Standards Council is an open global forum, launched in 2006, that is responsible for the development, management, education, and awareness of the PCI Security Standards, including: the Data Security Standard (DSS), Payment Application Data Security Standard (PA-DSS), and Pin-Entry Device (PED) Requirements.
All of the five founding members have agreed to incorporate the PCI DSS as the technical requirements of each of their data security compliance programs.
Each founding member also recognizes the QSAs and ASVs certified by the PCI Security Standards Council as being qualified to validate compliance to the PCI DSS.
A Limited Liability Corporation (LLC) chartered in Delaware, USA, the PCI Security Standards Council was founded by American Express, Discover Financial Services, JCB International, MasterCard Worldwide, and Visa Inc.
All five payment brands share equally in the council's governance, have equal input to the PCI Security Standards Council and share responsibility for carrying out the work of the organization. Other industry stakeholders are encouraged to join the group and review proposed additions or modifications to the standards.
Certified Risk and Compliance Management Professional (CRCMP)
Distance Learning and Online Certification Program
Certified Information Systems Risk and Compliance Professional (CISRCP)
Distance Learning and Online Certification Program
To learn more:
www.risk-compliance-association.com/Distance_Learning_and_Certification.htm