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.  The purpose of PCI is to help facilitate the broad adoption of consistent data security measures on a global basis.

 

At the core of the PCI DSS is a group of principles and accompanying requirements, around which the specific elements of the DSS are organized.  For Merchants and Service Providers, it's these core elements, or controls, that must be assessed and validated annually. In some cases, these controls must be validated by a Qualified Security Assessor (QSA) through an annual PCI DSS Audit.

 

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

The entire security standard is located and can be downloaded from the PCI Security Standards Council website: PCI Data Security Standards.

Additional Card-Specific Data Security information:

VISA International
MasterCard
Discover Financial Services
American Express
JCB-Global

 

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