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PCI Scanning                                          

PCI-DSS  Payment Card Industry Data Security Standard:                                              

What measures does the Integrity Business Bureau take to ensure PCI compliance?

The Integrity Business Bureau has chosen not to reinvent the wheel. We do not certify individual businesses due to the fact that most Payment Gateways are already in compliance with PCI Standards. The majority of Payment Gateways can be trusted to scan their system regularly and maintain PCI Standards.

 

Also, unless your business processes more than 20,000 transactions per year (approximately 55 orders per day), you are not required to meet all PCI Standards. If your business does process more than 20,000 transactions per year, the following information from https://pcisecuritystandards.org will be helpful.

 

The PCI DSS version 1.1, 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, MasterCard Worldwide and Visa 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 PCI DSS January 2005 version has been enhanced in the PCI DSS Version 1.1. The PCI DSS January 2005 version may no longer be used for PCI DSS compliance validation after December 31, 2006.

 

The PCI Security Standards Council will enhance the PCI DSS as needed to ensure that the standard includes any new or modified requirements necessary to mitigate emerging payment security risks, while continuing to foster wide-scale adoption.

 

Ongoing development of the standard will provide for feedback from the Advisory Board and other participating organizations. All key stakeholders are encouraged to provide input, during the creation and review of proposed additions or modifications to the PCI DSS.

 

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

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