PCl is an independent organization that sets standards for credit card processors and
merchants.
- Applies to merchants and processors of Visa, Mastercard, American Express,
Diners Club International, or JCB (an Asian based credit card), transactions.
- Current Data Security Standard version 1.2.1, PCI (2009)
- PCI specifies different merchant levels from 1-4 (1 being the highest), based on
the number of transactions per year, and has increased security requirements at
each higher level.
- PCl specifies security standards for "Any system that stores, processes, or
transmits cardholder data"
Unlike SOX and GLBA, The standard is quite straight forward and IT specific and
should be read and reviewed in its entirety.
PCI Security Practices and Requirements
| Security Practice |
Requirement |
| 1) Build and Maintain a Secure Network |
1.Install and maintain a firewall configuration to protect data
2.Do not use vendor-supplied defaults for system passwords and other security parameters |
| 2) Protect Cardholder Data |
1.Protect stored data
2.Encrypt transmission of cardholder data and sensitive information across public networks |
| 3) Maintain a Vulnerability Management Program |
1.Use and regularly update anti-virus software
2.Develop and maintain secure systems and applications |
| 4) Implement Strong Access Control Measures |
1.Restrict access to data by business need-to-know
2.Assign a unique ID to each person with computer access
3.Restrict physical access to cardholder data |
| 5) Regularly Monitor and Test Networks |
1.Track and monitor all access to network resources and cardholder data
2.Regularly test security systems and processes |
| 6) Maintain an Information Security Policy |
1. Maintain a policy that addresses information security |
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