Payment Card Industry

Payment Card Industry Data Security Standard (PCI DSS)

The PCI DSS, 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. 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 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

#1: Install and maintain a firewall configuration to protect cardholder data

#2: Do not use vendor-supplied defaults for system passwords and other security parameters

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

#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

Here is a link to the PCI website where you can find more information: https://www.pcisecuritystandards.org/

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