DOCSLIB.ORG

Implementation Guide Payment Card Industry Data Security Standard

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Implementation Guide Payment Card Industry Data Security Standard Implementation Guide Payment Card Industry Data Security Standard 1 Table of Contents Introduction .............................................................................................................................................................................. 4 Terminology Used in this Guide .............................................................................................................................................. 5 Table 1: Summary of PCI DSS Requirements ......................................................................................................................... 6 Building and Maintaining a Secure Network ......................................................................................................................... 10 Remote Network Access .................................................................................................................................................... 10 Wireless Networks ............................................................................................................................................................. 11 Using Firewalls .................................................................................................................................................................. 12 Firewalls and Intuit QuickBooks Cash Register Plus ........................................................................................................ 12 Protecting Cardholder Data .................................................................................................................................................... 12 Encrypting Card Information ............................................................................................................................................. 12 If you suspect a security breach ......................................................................................................................................... 13 Transmitting and Sharing of Cardholder Data ................................................................................................................... 13 If your data is requested by Intuit .................................................................................................................................. 13 If you share your data with other parties (such as System Integrators) ......................................................................... 14 Maintaining a Vulnerability Management Program ............................................................................................................... 14 Windows Update ................................................................................................................................................................ 14 Manually Downloading Updates ................................................................................................................................... 14 Antivirus Software ............................................................................................................................................................. 14 Implementing Strong Access Control Measures .................................................................................................................... 14 About System Administrators ............................................................................................................................................ 14 Protecting Your Data with Unique IDs and Passwords ..................................................................................................... 15 What is a complex password? ........................................................................................................................................ 15 Other password recommendations ................................................................................................................................. 16 Creating passwords in Intuit QuickBooks Cash Register Plus ...................................................................................... 16 Creating passwords for employees ................................................................................................................................ 16 Restrict access with security rights ................................................................................................................................ 16 When an employee leaves ............................................................................................................................................. 17 2 Limiting physical access to your data files .................................................................................................................... 17 Monitoring and Testing Your Network .................................................................................................................................. 17 Review Intuit Cash Register Plus log files regularly ......................................................................................................... 17 Intuit QuickBooks Cash Register Plus Audit Log ......................................................................................................... 18 Maintaining an Information Security Policy .......................................................................................................................... 18 Keep Up with Emerging Security Standards ...................................................................................................................... 18 Emergency Preparedness ........................................................................................................................................................ 19 Back up your data file frequently ....................................................................................................................................... 19 Install Uninterruptible Power Supplies (UPS) ................................................................................................................... 19 Keep your business running when disaster strikes ............................................................................................................. 19 Further Information ................................................................................................................................................................ 20 Table 3: Security Web Sites ............................................................................................................................................... 20 How to Contact Us ................................................................................................................................................................. 20 Appendix A: Windows Account Security .............................................................................................................................. 21 Configuring Local User Accounts to be PCI Compliant .................................................................................................... 22 Setting Password Policies .................................................................................................................................................. 22 Setting Account Lockout Policies ...................................................................................................................................... 23 Setting Session Idle Time and Screensaver Options ...................................................................................................... 23 Appendix B: Encryption Key Management .......................................................................................................................... 24 3 Introduction The Payment Card Industry Data Security Standard (PCI DSS) includes requirements for the configuration, operation, and security of payment card transactions in your business. When you, as a retailer, start accepting payment cards you also agree to take the steps necessary to protect your customer’s card data. If you use the QuickBooks POS Merchant Service to authorize and settle credit or debit card transactions in Intuit QuickBooks Cash Register Plus, these standards and this guide apply to you. Adherence to the standards not only is good for your business, as it assures your customers that their transactions are being handled in a secure manner, but also is fiscally important–a security breach could result in significant fines11. When determining the measures that need to be taken for compliance, you need to review your entire system configuration: • Your operating system (Windows) configuration and account controls • Implementation of security software, such as antivirus and firewall applications • Implementation of and access controls to card payment applications (e.g., Intuit QuickBooks Cash Register Plus) • Your policies and procedures for implementing and monitoring all of the above This guide serves to help you implement Intuit QuickBooks Cash Register Plus and your overall system in such a manner to be in compliance with the PCI DSS. Table 1 summarizes the major PCI DSS requirements, what Intuit QuickBooks Cash Register Plus provides you to help meet the requirements, what you are responsible for, and where to get more information on that particular requirement. The remainder of this guide provides recommendations and instructions specific to steps you can take in your use of Intuit QuickBooks Cash Register
Load more

Recommended publications
  • The Benefits of Electronic Payments in the Canadian Economy a White Paper Prepared by IHS Global Insight and Visa Canada
    The BenefiTs of elecTronic PaymenTs in The canadian economy A White Paper Prepared by IHS Global Insight and Visa Canada tHIrd edItIon editor’s note The Benefits of electronic Payments in the canadian economy, Third edition is a white paper designed to explore the social and economic benefits of electronic payments to the Canadian economy. Commissioned by Visa Canada, a wholly owned subsidiary of Visa Inc., this white paper is based on research conducted by IHS Global Insight, an econometric forecasting agency. For more details on IHS Global Insight’s methodology, please refer to the Methodology Appendix. Third Edition - 2012 Table of contents executive summary 2 electronic Payments in canada 4 Benefits to Consumers and Merchants Usage Trends in Canada The Big Picture 7 The Macroeconomic Value of Electronic Payments in Canada Electronic Payments in a Global Context Working with Governments to Increase Efficiency inbound Travel To canada: The impact of electronic Payments on Travel and Tourism 11 The efficient enterprise: The impact of electronic Payments on canadian Business 14 everything Within reach: The impact of electronic Payments on the digital economy 16 Protecting the system 17 Payment Card Industry Chip Technology conclusion 18 Visa: advancing the future of electronic Payments 19 Ways to Pay The Foundation for Innovation Visa Invests in the Security of the System Visa: a responsible Partner 23 Ensuring Financial Literacy executive summary over the last decade, Canada has benefited from strong • enhancing economic transparency and reducing the economic foundations: our highly-skilled workforce, “grey economy” of underreported cash transactions. modern infrastructure, natural resources, disciplined • Broadening participation and inclusion in financial financial system, and technological innovation have all services.
    [Show full text]
  • Payment Card Industry Policy
    Payment Card Industry Policy POLICY STATEMENT Palmer College of Chiropractic (College) supports the acceptance of credit cards as payment for goods and/or services and is committed to management of its payment card processes in a manner that protects customer information; complies with data security standards required by the payment card industry; and other applicable law(s). As such, the College requires all individuals who handle, process, support or manage payment card transactions received by the College to comply with current Payment Card Industry (PCI) Data Security Standards (DSS), this policy and associated processes. PURPOSE This Payment Card Policy (Policy) establishes and describes the College’s expectations regarding the protection of customer cardholder data in order to protect the College from a cardholder breach in accordance with PCI (Payment Card Industry) DSS (Data Security Standards). SCOPE This Policy applies to the entire College community, which is defined as including the Davenport campus (Palmer College Foundation, d/b/a Palmer College of Chiropractic), West campus (Palmer College of Chiropractic West) and Florida campus (Palmer College Foundation, Inc., d/b/a Palmer College of Chiropractic Florida) and any other person(s), groups or organizations affiliated with any Palmer campus. DEFINITIONS For the purposes of this Policy, the following terms shall be defined as noted below: 1. The term “College” refers to Palmer College of Chiropractic, including operations on the Davenport campus, West campus and Florida campus. 2. The term “Cardholder data” refers to more than the last four digits of a customer’s 16- digit payment card number, cardholder name, expiration date, CVV2/CVV or PIN.
    [Show full text]
  • Maintaining PCI Compliance Through Innovation
    February 2018 Maintaining PCI Compliance Through Innovation An article by Angela K. Hipsher-Williams, CISA, QSA, and Jonathan J. Sharpe, CISA, QSA Audit / Tax / Advisory / Risk / Performance Smart decisions. Lasting value.™ Maintaining PCI Compliance Through Innovation The ascendance of online retailers and mobile ordering has created a hypercompetitive environment for purveyors of consumer products and services. Customers today expect a frictionless, “endless aisle” ordering experience, where any item they can think of is instantly orderable, if not instantly accessible. Customers’ demand for instant gratification PCI Compliance is not limited to the online environment. Traditional retailers and restaurants are Stricter Than Ever thus being forced to innovate in a variety While new payment solutions offer flexibility of ways to try to replicate the online and convenience for patrons, these customer experience. Particularly ripe innovations have security and compliance for innovation is the process of ordering implications for merchants and customers and paying for goods and services, alike. Recent large-scale payment card but payment innovations come with breaches have laid bare some of the a number of pitfalls when it comes to risks, and in response, PCI compliance payment card industry (PCI) compliance. requirements have become stricter than ever. Organizations must fully evaluate the implications of implementing new payment technologies, weighing convenience against cybersecurity risk. Devoting adequate resources to data security and
    [Show full text]
  • ULTIMATE RETAIL PAYMENTS FIELD GUIDE Everything Merchants Need to Know from Those in the Know YOUR ULTIMATE GUIDE
    ULTIMATE RETAIL PAYMENTS FIELD GUIDE Everything Merchants Need to Know from Those in the Know YOUR ULTIMATE GUIDE Today’s payments landscape is the stuff of dreams for merchants. New markets are in your grasp. New payment methods offer unlimited potential. And new customers knock at your doors. But those dreams can quickly become a nightmare without the right strategies and solutions to bring them all together. In this guide, you’ll get expert insights into the hottest issues in retail payments. We’ll explore new frontiers in payments, examine investment trends and even help prevent chargebacks. And that payments jargon? Consider it covered. TABLE OF CONTENTS 1 INVESTMENT TRENDS IN RETAIL ...................................................................................................................4 2 CROSS-BORDER eCOMMERCE EXPANSION: AN ACI FRAUD PERSPECTIVE ..............................5 3 FIVE SIMPLE STEPS TO PREVENTING MORE CHARGEBACKS ..........................................................8 4 NEW FRONTIERS IN MERCHANT PAYMENTS............................................................................................10 5 DECIPHERING PAYMENTS JARGON: EIGHT KEY TERMS DEFINED .................................................12 2 3 RETAILERS ARE BATTLING RISING COSTS THROUGH INVESTMENT INVESTMENTS IN INNOVATION 48% of retailers have suffered from a rise in payment operating costs TRENDS IN over the last three years. To combat this, retailers are investing in their 1 payment platforms. 48% expect to increase their investment in payments over the RETAIL next 18-24 months 36% are investing in payment acceptance capabilities to support growth In 2018, ACI® and Ovum 16% want to improve the integration between payments and partnered to produce the 2018 other systems to drive efficiencies Global Payments Insight Survey KEY TAKEAWAY for Merchants. In it, global Strategic investments in payments will deliver more integrated and merchants shared their opinions cost-effective platforms that can enable growth.
    [Show full text]
  • Demystifying Pci Dss Liability
    CLIENT ADVISORY DEMYSTIFYING PCI DSS LIABILITY YOU CAN OUTSOURCE CREDIT CARD PROCESSING BUT NOT LIABILITY! Many business owners have misconceptions about their obligations and legal exposures if they experience a breach of payment card data. Outsourcing your company’s payment card processing to a third-party does not mean you have also outsourced the risk you take on when you accept payments by credit card. Companies are still subject to the PCI DSS - Payment Card Industry Data Security Standards – and any failure to comply with PCI DSS will expose your company to a wide range of potentially significant liabilities in the event of a breach. WHAT IS PCI DSS? Created by the five payment brands (American Express, Discover Financial Services, JCB International, Mastercard, and Visa, Inc.), PCI DSS stands for the Payment Card Industry Data Security Standards. While not de facto law, the Security Standards are technical requirements that govern the appropriate security posture for any entity who stores, processes, and/or transmits cardholder information.1 MERCHANT SERVICE AGREEMENTS A Merchant Service Agreement is the contract between a company that wishes to accept credit cards as payment for services and an acquiring bank DON’T MAKE ASSUMPTIONS or other institution that sets forth the terms and conditions under which the WHEN IT COMES TO LIABILITY… company can accept and process payment card transactions. Using a Payment Check your contracts! Processing company may simplify the point of sale process, but it does not Check your policy! absolve a retail merchant of the responsibilities assigned to it by the terms and conditions of its agreement.
    [Show full text]
  • United Way Worldwide Guide to Payment Card Industry Compliance
    United Way Worldwide Guide to Payment Card Industry Compliance Common Acronyms Appearing in this Document ASV Approved Scanning Vendor CVV Card Verification Value FIC Financial Issues Committee IP Internet Protocol IT Information Technology LAN Local Area Network MID Merchant Identification Number PCI Payment Card Industry PCI DSS Payment Card Industry’s Data Security Standards PCI SSC Payment Card Industry Security Standards Council QSA Qualified Security Assessor SAQ Self-Assessment Questionnaire Approved by the United Way Financial Issues Committee – March 2013 © Copyright 2013 – United Way Worldwide 2013 United Way Worldwide member organizations may make unlimited copies for their own internal purposes, provided the copyright attribution – “Copyright United Way Worldwide 2013” – is retained on materials reproduced. No modification or reproduction by non-United Way members is permitted without prior written approval. 2 Table of Contents United Way Guide to PCI Compliance – Executive Summary ........................................................ 4 Defining PCI Data Security Standards and PCI Security Standards Council .................................. 6 Benefits of PCI Compliance ............................................................................................................ 7 Reputation Risk of Non-Compliance ......................................................................................... 7 Financial Risk of Non-Compliance ...........................................................................................
    [Show full text]
  • Miami Dade County Payment Card Industry Executive Charter and Compliance Policy Number 332
    Miami Dade County Payment Card Industry Executive Charter and Compliance Policy 332 Updated: 01/01/2021 Miami Dade County Payment Card Industry Executive Charter and Compliance Policy Number 332 Revisions to Policy: This section documents the revisions made to this policy since the last approved version dated October 2019. Effective Date Version Description Pages October 2019 332.1.0 General grammatical changes January 2021 332.2.0 Added Applicable Policies 9 and Procedures and required training General grammatical 4,6,8,9,10,11,14,17,18,20,21 changes 1 Miami Dade County Payment Card Industry Executive Charter and Compliance Policy Number 332 Table of Contents I. Purpose …………………………………………………………………………………….......4 II. Overview.…………………………………………………………………………………….....4 III. Definitions.………………………………………………………………………………....….5 IV. Accountability….……………………………………………………………………….…….7 V. Applicability.………………………………………………………………….………....…...7 VI. Goals and Applicable Policies and Standards.………………………………....8 A. Goals…………...………………………………………………………………..……….....8 B. Applicable Policies and Procedures…………………..…………..…………...9 C. Required Information Security Training...………..………………..………..9 VII. Roles and Responsibilities.………………………………………………………….…..9 A. Departments.………………………………………………………………..……….....9 B. Department’s PCI Liaison.………………………………..…………..………….10 C. Internal Services.…………………………………………..………………..……….11 D. Finance..………………………………………………..…………………..………......12 E. Information Technology.……………………………………………………...…13 VIII. PCI Compliance Measures of Success….…………………………………..……14
    [Show full text]
  • Qualification Requirements
    Payment Card Industry (PCI) Data Security Standard Qualification Requirements For Qualified Security Assessors (QSA) Version 2.0 June 2015 Document Changes Date Version Description October 2008 1.2 To align version number with PCI DSS v1.2; no other changes made. May 2015 2.0 . Made various grammar improvements; aligned terminology with PCI DSS v3.1 . Increased Violation period to three (3) years . Clarified QSA Company and Employee qualification requirements . Enhanced Business Legitimacy requirements . Enhanced separation of duties, independence, and conflict of interest requirements . Clarified regional requirements . Clarified subcontracting vs. partnership with active QSA Company . Enhanced QSA Employee skills and experience requirements . Added PCI SSC Code of Professional Responsibility . Enhanced background check requirements . Enhanced QSA Company internal quality assurance requirements . Enhanced Evidence (Assessment workpaper) retention requirements . Added Security Incident Response . Enhanced annual requalification requirements . Enhanced Assessor Quality Management process: QSA Audit, Quality Remediation and Revocation process . Updated the QSA Agreement (Appendix A) . Updated insurance requirements (Appendix B) . Added QSA Company application (Appendix C) . Added QSA Employee application (Appendix D) PCI DSS Qualification Requirements for Qualified Security Assessors v2.0 June 2015 Copyright © 2008–2015 PCI Security Standards Council, LLC. All Rights Reserved. Page ii Table of Contents Document Changes ...................................................................................................................................
    [Show full text]
  • Awareness Training
    AWARENESS TRAINING IS THIS COURSE RIGHT FOR YOU OR YOUR STAFF? The PCI Awareness training course outlines the challenges surrounding payment card security at a high level and explains what the PCI Standards do to mitigate these issues. Let us help you decide – simply answer these few questions... WHAT’S IN IT FOR YOU? Do you want to: Understand how improved security leads to PCI Control costs and gain Understand PCI compliance Drive PCI DSS compliance compliance tangible, real-world insights before you complete a Self- across your business Build your knowledge of on best practices Assessment Questionnaire the Payment Card Industry (SAQ) or go through an Data Security Standard assessment with a QSA (PCI DSS) Obtain tools to build WHO SHOULD ATTEND? a secure payments Geared to a broad audience including executives, managers, as well as staff who are environment affected by PCI compliance requirements, this course is for anyone interested in learning more about the Payment Card Industry, with a focus on those individuals working for organizations that must be compliant with PCI DSS. If you answered YES to any of the Typical job titles include but are not limited to: above, then the PCI Awareness Audit Manager, Business Analyst, Compliance Officer, Credit Analyst, Finance Manager, course is for you – or for your staff! IS Manager, IT Specialist, Project/Program Manager, Risk Management Analyst, Security Read on! Analyst, Senior Developer, Software Engineer, System Administrator, Web Master PEOPLE ARE TALKING Here’s what others have to say about WHAT’S COVERED IN THE COURSE? their experience: This course helps to improve security, reduce the risk of data loss, and simplify meeting PCI requirements.
    [Show full text]
  • Payment Card Industry Data Security Standard (PCI DSS)
    ] * * * * * * * [ FIRSTNAME LASTNAME FIRSTNAME 5490 2345 8670 8921 8670 2345 5490 THRU BANK NAME BANK VALID 08/19 Payment Card Industry Data Security Standard (PCI DSS) Protecting Cardholder Data Since our organization handles cardholder data, we have to understand and follow the security regulations known as PCI DSS. This newsletter explains what those standards are and how we must follow them. © SANS Institute 2017 Payment Card Industry Data Security Standard (PCI DSS) Credit cards have become the primary way people make purchases, especially with the growth of online shopping. Credit cards are incredibly convenient, allowing people to make large purchases almost anywhere in the world. However, credit cards also have risks. Cyber criminals are actively trying to steal credit card information. If they steal credit card data, they can create physical copies of the credit card or use the information for online purchases. The more credit cards criminals steal, the more money PCI DSS they can make. As a result, many criminals no longer target individuals, but organizations like ours that store, process, or transfer cardholder data. To reduce credit card fraud, five members of the payment card industry (Visa, MasterCard, American Express, Discover, and JCB) joined together to develop security standards for any organization that stores, transmits, or processes cardholder data. This set of standards is referred to as the Payment Card Industry’s Data Security Standard, or PCI DSS. Since our organization handles cardholder data, we must understand and abide by these rules. Cardholder data includes the payment card number (known as a Primary Account Number, or PAN) and any associated account information, including the cardholder’s name, the payment card’s expiration date, the three or four-digit verification code, and any other authentication data related to the cardholder.
    [Show full text]
  • The Payment Card Industry: Innovation, Security Challenges, and Explosive Growth Written by Nabil Hannan | October 13, 2020
    The Payment Card Industry: Innovation, Security Challenges, and Explosive Growth written by Nabil Hannan | October 13, 2020 In a recent episode of Agent of Influence, I talked with John Markh of the PCI Council. John has over 15 years of experience in information security, encompassing compliance, threat and risk management, security assessments, digital forensics, application security, and emerging technologies such as AI, machine learning, IoT, and blockchain. John currently works for the PCI Council and his role includes developing and evolving standards for the emerging mobile payments technologies, along with technical contributions and effort surrounding penetration testing, secure application, secure application lifecycle, and emerging technologies such as mobile payment technologies, cloud, and IoT. I wanted to share some of his insights in a blog post, but you can also listen to our interview here, on Spotify, Apple Music, or wherever you listen to podcasts. About the PCI (Payment Card Industry) Council The PCI Council was established in 2009 by several payment brands to create a single framework that would be acceptable to all those payment brands to secure payment or account data of the merchants and service providers in that ecosystem. Since then, the PCI Council has created many additional standards that not only cover the operational environment, but also device security standards such as the PCI PTS standard and security standards that cover hardware security modules and point to point encryption solutions. The Council is in the process of developing security standards for various emerging payment technologies. The mission of the council is to allow secure payment processing by all stakeholders.
    [Show full text]
  • Payment Card Industry (PCI) Data Security Standard (DSS) Requirement 3.1 Requires That the University Maintain and Adhere to a Data Retention and Disposal Procedures
    Retention and Disposal Payment Card Industry (PCI) Data Security Standard (DSS) requirement 3.1 requires that the university maintain and adhere to a data retention and disposal procedures. The purpose of this procedure is to ensure that records that are no longer needed are discarded appropriately and in a timely fashion. Each area that takes credit cards as payment must periodically (annually) review these procedures to determine if any circumstances that necessitate changes in the way they retain or dispose of cardholder data. Emory University/Emory Healthcare is required to be compliant with the PCI-DSS. Non- compliance can result in fines to merchants of at least $10,000 per month and $500,000 per card brand (American Express, Visa, MasterCard) if there is a data breach. PCI DSS applies whenever account data is stored, processed, or transmitted. Account Data consists of Cardholder Data plus Sensitive Authentication Data, as follows: Cardholder Data Includes: Sensitive Authentication Data Includes: Primary Account Number (PAN) Full magnetic stripe data or equivalent on a chip Cardholder Name CAV2 / CVC2 / CVV2 / CID Expiration Date PINs / PIN blocks Service Code 1.1 Storage Ø The following credit card information is permitted to be stored only if there is an approved and documented business need. All data must be protected as described in all sections of the PCI DSS. The following card holder data, protected as required by the PCI DSS and approved by the Office of Treasury/Debt Management, is permitted to be stored under this provision:
    [Show full text]