Introduction to PCI DSS questions and answers

PCI - Payment Card Industry. It is compliance mandated by credit card companies to help ensure the security of credit card transactions in the payments industry. PCI SSC - Payment Card Industry Security Standards Council To enhance global payment account data security by developing standards and supporting services that drive education, awareness, and effective implementation by stakeholders. PCI DSS - Payment Card Industry Data Security Standard. A widely accepted set of policies and procedures intended to optimize the security of credit, debit and cash card transactions and protect cardholders against misuse of their personal information. When was the PCI SSC ( Payment Card Industry Security Standards Council) formed? The council was founded in 2006 Who are the founding members of the PCI SSC (Payment Card Industry Security Standards Council)? The founding members are American Express, Discover, JCB International, MasterCard and Visa Inc. What is the goal of PCI SSC (Payment Card Industry Security Standards Council)? To protect cardholder data and develop standards and supporting services that drive education, awareness, and effective implementation by stakeholders Who has to stay in compliance with PCI DSS (Payment Card Industry Data Security Standard.)? Standards apply to all entities that store, process or transmit cardholder data - with requirements for software developers and manufacturers of applications and devices used in those transactions Equifax Data Breach In 2017, _______, a consumer credit reporting agency, suffered a data breach that exposed the personal information of 143 million individuals. The breach was caused by a vulnerability in _________ web application framework, allowing attackers to access sensitive data such as names, social security numbers, birth dates, and addresses. The breach resulted from poor information security practices, such as failing to patch known vulnerabilities, inadequate network segmentation, and weak authentication controls. Target Data Breach In 2013, a large retailer, suffered a data breach that exposed the personal and financial information of 40 million customers. The breach was caused by malware installed on its point-of-sale systems, which allowed attackers to steal credit and debit card data as it was being processed. The breach resulted from poor information security practices, such as failing to segment its payment system network, not responding to security alerts, and having weak passwords. What is the goal of the PCI DSS (Payment Card Industry Data Security Standard.) Framework? The ultimate goal of the __________ is to protect Confidentiality, Integrity, and Availability. PCI DSS (Payment Card Industry Data Security Standard) a set of security standards established by the PCI Security Standards Council (PCI SSC) to help organizations that accept payment cards to protect cardholder data. It consists of 12 requirements that organizations must follow to ensure the security of cardholder data. PA-DSS - Payment Application Data Security Standard is a set of security requirements for payment applications that process sensitive cardholder data. This standard was designed to help software vendors and integrators develop secure payment applications that comply with the PCI DSS. P2PE - Point-to-Point Encryption is a set of standards for encrypting payment card data from the point of capture at a payment terminal to the point of decryption at the payment processor. This standard helps to protect sensitive cardholder data from theft and fraud. PCI PIN Security is a set of requirements for protecting PIN numbers associated with payment cards. The standard provides guidance for securing PIN pads, encryption of PIN data, and other measures to protect against PIN fraud. PCI SSC Card Production Security Requirements This standard is focused on security requirements for the production of payment cards, such as the physical production of cards, data storage, and the management of card issuance PCI SSC Software Security Framework This framework provides guidelines for the secure development and maintenance of software applications that handle payment card data, from design and development to testing and deployment. It is intended to help software developers build secure payment applications that comply with the PCI DSS. PCI SSC Cloud Computing Guidelines These guidelines are designed to help organizations that use cloud computing services to maintain compliance with the PCI DSS. The guidelines recommend assessing cloud service providers, selecting appropriate cloud configurations, and implementing security controls. What is the ultimate goal of cybersecurity? is to protect electronic systems, networks, and sensitive information from unauthorized access, theft, and damage. Cybersecurity aims to ensure the confidentiality, integrity, and availability of digital assets and systems. This includes protecting against a range of threats such as malware, phishing, denial of service attacks, and other types of cybercrime. CIA Triad Confidentiality, Integrity, Availability Define the Confidentiality, Integrity, and Availability 1. Confidentiality: This refers to the protection of sensitive information from unauthorized disclosure. Confidentiality controls ensure that data is only accessible by authorized personnel and that it is not exposed to unauthorized individuals or entities. 2. Integrity: This refers to the protection of information from unauthorized modification or alteration. Integrity controls ensure that data is accurate, complete, and uncorrupted. 3. Availability: This refers to the assurance that information and systems are available and accessible to authorized users when needed. Availability controls ensure that systems are reliable and that downtime is minimized.