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PCI Compliance

The PCI DSS standard introduced in Dec 2004 has been an important step in making merchants more secure. The PCI DSS requirements are summarized below:


Control Objectives PCI DSS Requirements
 
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 on all systems commonly affected by malware
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

Though the above guidelines are a good first step in protecting cardholder data, they fall short in two areas: