Pci Dss Requirement 10
2011
How to simplify payment processing and PCI compliance
Each seller faces the complexity of the business and compliance requirements. From restaurants to dry cleaners, the challenges vary far and wide. However, the common requirement of each share is a need for means of safe, effective and affordable to get paid. Payment processing is a necessity for all businesses, and it comes with compliance mandates.
Retailers many decisions facing the management of their operations from day to day can be intimidating, but getting paid and maintaining compliance not be if traders have access to accurate information and good partners. Compliance with the Payment Card Industry Data Security Standard (PCI DSS) is a measure of security mandate to protect consumer cardholder data and trade. Compliance PCI is built on a bedrock of principles and requirements helps to secure personal data and protection of enterprise environments market. The main areas of concern for merchants and service providers to become and stay PCI compliant are listed below.
Build and maintain a safe
1: Install and maintain a firewall configuration to protect data Holders
2: Do not default passwords of the system and the use of other security settings provided by Seller
Protect cardholder data
3: Protect stored data holder the card (or do not store it all)
4: Encrypttransmission of cardholder data across open, public networks
Maintain a vulnerability management program
5:, maintain and update anti-virus regularly Use
6: Maintain secure systems and applications
Implement access control measures
data Ownership: 7 Restrict access to one, if necessary, companies need to know basis
8: Assign a unique ID to each person with computer access
9: Restrict physical access to data
Monitor and Regularly test networks
10: Monitor and control access to network resources and cardholder data at any time
Test regularly: 11 security systems and processes on a
Maintain a policy Security Information
12: Establish and maintain policies against information security
A proven method for protecting cardholder data is to use payment processing services that use technology atomization.
Tokenization is the process of replacing sensitive data with values that are not considered sensitive in the context of consumption of the environment the symbolic and the original data sensitive. Tokenization technology can be used with all types of sensitive data, including transactions banking, payment transactions, medical records or loan applications, to name a few.
According to Visa, atomization can be described as a process in which the PAN data is replaced by a proxy known as a "token". The security of an individual token is on the properties of uniqueness and the infeasibility of determining the origin PAN knowing only the replacement value. For reference or the replacement for the original PAN, a token can be used freely by the systems and applications within a market environment.
Card Not Present e-commerce transactions (CNP) at the retail point of sale (POS) transactions, there are tools and providers services available to help merchants achieve PCI compliance. However, depending on your approach to compliance, PCI can be complex, long and costly. An alternative to treating all related to PCI compliance tasks in the home is choosing a merchant service provider can assist in processing payments, cardholder data security and compliance certification. For example, electronic payment Exchange (EPX) and spray based ™ EPX BuyerWall system act as a platform for third treatment giving high priority to PCI compliance and service end to-end domestic and international payments at point of sale (POS) or online.
This approach puts a wall between cardholder data and the merchant by separating the card number information on sales and processing the transaction independently of the merchant or other suppliers. EPX is capable of doing that because he controls both the front and back end of the transaction. With EPX BuyerWall, the responsibility associated trade with the risk of processing, transmitting and storing sensitive data holder is significantly reduced because the sensitive data does not enter the system Merchant and its never stored by the merchant.
According to Steven Kendus, Marketing Director of EPX, "ensuring increased focus on PCI compliance, EPX is revolutionizing the payments industry through our platform, and integrated payment processing solutions that combine the atomization and encryption. "
Customer using solutions based tokens receive multiple layers of security protection for merchants and data holders are protected against data breach liability. "By integrating our patent-pending spray BuyerWall and encryption technology our payment solutions, we lead the way in helping merchants achieve compliance PCI, "adds Kendus.
providers of payment services as Electronic Payment Exchange that takes security and compliance into account to provide a critical need for retailers and independent sales organizations (ISO). They enable merchants to process secure transactions efficiently, which nets the customer service and retention for merchants.
To learn more about how EPX atomization of solutions based on the processing of payments to help merchants implement PCI compliance, visit EPX in online or in their Virtual Booth on PaymentsMarket.com
About the Author
Jeremy Drzal is Chief Engagement Officer for insideVirtual and Managing Editor for PaymentsMarket, the first and only virtual market for payment and fraud industry solutions.
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