An e-business Integration & Collaboration Platform for B2B e-Commerce Kumar Bhaskaran. Enterprise application integration via a message hub and. Dimensions of E-commerce Security. Data and Message Security. Amazon SQS Message Queue Service. Amazon Web Services is Hiring. Amazon Web Services (AWS). Payment Card Industry Data Security Standard. The Payment Card Industry Data Security Standard (PCI DSS) is a proprietary information security standard for organizations that handle branded credit cards from the major card schemes including Visa, Master. Card, American Express, Discover, and JCB. The PCI Standard is mandated by the card brands and administered by the Payment Card Industry Security Standards Council. The standard was created to increase controls around cardholder data to reduce credit card fraud. Validation of compliance is performed annually, either by an external Qualified Security Assessor (QSA) or by a firm specific Internal Security Assessor (ISA) that creates a Report on Compliance (ROC) for organizations handling large volumes of transactions, or by Self- Assessment Questionnaire (SAQ) for companies handling smaller volumes. History. The intentions of each were roughly similar: to create an additional level of protection for card issuers by ensuring that merchants meet minimum levels of security when they store, process and transmit cardholder data. The Payment Card Industry Security Standards Council (PCI SSC) was then formed and these companies aligned their individual policies to create the PCI DSS. A Unified Message for Reporting to the Federal Government. Privacy and Security Issues in E-Commerce. LockLizard PDF security uses PDF DRM. PDF protection with your existing e-commerce system to. UNCITRAL MODEL LAW ON ELECTRONIC COMMERCE. There have been a number of versions: 1. December 1. 5, 2. September 2. 00. 6 provide clarification and minor revisions. October 1, 2. 00. It enhanced clarity, improved flexibility, and addressed evolving risks and threats. August 2. 00. 9 made minor corrections designed to create more clarity and consistency among the standards and supporting documents. October 2. 01. 0. Install and maintain a firewall configuration to protect cardholder data. Do not use vendor- supplied defaults for system passwords and other security parameters. Protect cardholder data. Protect stored cardholder data. Encrypt transmission of cardholder data across open, public networks. Maintain a vulnerability management program. Use and regularly update anti- virus software on all systems commonly affected by malware. Develop and maintain secure systems and applications. Implement strong access control measures. Restrict access to cardholder data by business need- to- know. Assign a unique ID to each person with computer access. Restrict physical access to cardholder data. Regularly monitor and test networks. Track and monitor all access to network resources and cardholder data. Regularly test security systems and processes. Maintain an information security policy. Maintain a policy that addresses information security. Updates and supplemental information. These documents include the following. Information Supplement: Requirement 1. Penetration Testing. This Certified person can audit merchants for Payment Card Industry Data Security Standard (PCI DSS) compliance. Currently both Visa and Master. Card require merchants and service providers to be validated according to the PCI DSS. Visa also offers an alternative program called the Technology Innovation Program (TIP) that allows qualified merchants to discontinue the annual PCI DSS validation assessment. These merchants are eligible if they are taking alternative precautions against counterfeit fraud such as the use of EMV or Point to Point Encryption (P2. PE) technology, however they are still required to be PCI DSS compliant. Acquiring banks are required to comply with PCI DSS as well as to have their compliance validated by means of an audit. However, the laws of some U. S. Unlike Nevada's law, entities are not required to be compliant to PCI DSS, but compliant entities are shielded from liability in the event of a data breach. Wireless guidelines clearly define how wireless security applies to PCI DSS 1. A CDE is defined as a network environment that possesses or transmits credit card data. In this scenario, three minimum scanning requirements (Sections 1. PCI DSS apply. Known WLAN AP outside the CDE: The organization has deployed WLAN APs outside the CDE. These WLAN APs are segmented from the CDE by a firewall. There are no known WLAN APs inside the CDE. In this scenario, three minimum scanning requirements (Sections 1. PCI DSS apply. Known WLAN AP inside the CDE: The organization has deployed WLAN APs inside the CDE. In this scenario, three minimum scanning requirements (Sections 1. Sections 2. 1. 1, 4. PCI DSS apply. Key sections of PCI DSS 1. Secure deployment requirements for wireless LANs. The purpose of these requirements is to deploy WLAN APs with proper safeguards. Section 2. 1. 1 Change Defaults: Change default passwords, SSIDs on wireless devices. Enable WPA or WPA2 security. Section 4. 1. 1 8. Security: Set up APs in WPA or WPA2 mode with 8. X authentication and AES encryption. Use of WEP in CDE is not allowed after June 3. Section 9. 1. 3 Physical Security: Restrict physical access to known wireless devices. Section 1. 0. 5. 4 Wireless Logs: Archive wireless access centrally using a WIPS for 1 year. Section 1. 0. 6 Log Review: Review wireless access logs daily. Section 1. 2. 3 Usage Policies: Develop usage policies to list all wireless devices regularly. Develop usage possible for the use of wireless devices. Minimum scanning requirements for wireless LAN. The purpose of these requirements is to eliminate any rogue or unauthorized WLAN activity inside the CDE. Section 1. 1. 1 Quarterly Wireless Scan: Scan all sites with CDEs whether or not they have known WLAN APs in the CDE. Sampling of sites is not allowed. A WIPS is recommended for large organizations since it is not possible to manually scan or conduct a walk- around wireless security audit. Enable automatic containment mechanism on WIPS to block rogues and unauthorized wireless connections. PCI compliance in call centers. This is surprising, given the high threat potential for credit card fraud and data compromise that call centers pose. There are few controls which prevent the agent from skimming (credit card fraud) this information with a recording device or a computer or physical note pad. Moreover, almost all call centers deploy some kind of call recording software, which is capturing and storing all of this sensitive consumer data. These recordings are accessible by a host of call center personnel, are often unencrypted, and generally do not fall under the PCI DSS standards outlined here. At the point in the transaction where the agent needs to collect the credit card information, the call can be transferred to an Interactive Voice Response system. Solutions such as agent- assisted automation allow the agent to capture the credit card information without ever seeing or hearing it. The agent remains on the phone and customers enter their credit card information directly into the customer relationship management software using the keypad of their phone. Agent- assisted automation can stumble however if callers read back the digits as they enter them. DTMF tones are suppressed entirely or converted to monotones so the agent cannot recognize them and so that they cannot be recorded. Some secure payment platforms allows for the masking of the DTMF tones, but are still recorded as DTMF tones by the on- site or hosted call recorders. Traditionally the only way to suppress DTMF tones is to intercept the call at the trunk using sophisticated servers and call cards to do so. This way allows for the suppression or masking of the DTMF tones to the call recorder, as well as the agent. As recently as June 2. This is done so the cloud server can intercept the call to control the DTMF tones for secure masking or clamping to both the agent and cloud call recorders. If going through the network cloud, no hardware or software needs to be installed in the organization itself, though cloud solutions remain logistic and integration challenging to both service providers and merchants. The benefits of increasing the security around the collection of personally identifiable information goes beyond credit card fraud to include helping merchants win chargebacks due to friendly fraud. Visa and Master. Card impose fines on merchants even when there is no fraud loss at all, simply because the fines 'are profitable to them.'. Congress subcommittee regarding the PCI DSS, says . It is often stated that there are only twelve 'Requirements' for PCI compliance. In fact there are over 2. Regulation forces companies to take security more seriously, and sells more products and services. It is the responsibility of the merchant and service provider to achieve, demonstrate, and maintain their compliance at all times both throughout the annual validation/assessment cycle and across all systems and processes in their entirety. Visa's compliance validation details for merchants state that level 4 merchants compliance validation requirements are set by the acquirer. At the same time over 8. Level 4 merchants; they handle 3. In contrast, the PCI Standards Council General Manager Bob Russo has indicated that liabilities could change depending on the state of a given organization at the point in time when an actual breach occurs. PCI Security Standards Council. Retrieved 3 August 2. Retrieved 3 August 2. Bluefin Payment Systems. Pcisecuritystandards. Retrieved January 1. Congress of the United States. Archived from the original(PDF) on 2. Computerworld Security. Archived from the original(PDF) on April 7, 2.
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