Welcome!

Mobile IoT Authors: Mark Herring, Pat Romanski, Elizabeth White, Liz McMillan, Shelly Palmer

Related Topics: @CloudExpo, Mobile IoT, Cloud Security

@CloudExpo: Blog Feed Post

PCI DSS: What You Need to Know By @GiladPN | @CloudExpo

Lack of education and awareness around payment security

By Lohit Mehta

Every organization should follow a proactive rather than a reactive approach to protect against threats, risks, and vulnerabilities to which if their IT infrastructure is exposed can lead to data loss, regulatory penalties, lawsuits, and damaged reputation. Moving on the same lines, to reduce credit card fraud via its exposure, a standard known as Payment Card Industry Data Security Standard (PCI DSS) was formed.

History

Payment Card Industry Security Standards Council (PCI SSC) had developed a standard known as PCI Data Security Standard (PCI DSS), which comprises 12 core security areas to protect credit card holder data from theft, misuse, etc. These requirements apply to all entities involved in payment card processing, including merchants, processors, and 3rd party service providers that store, process and transmit cardholder data. PCI DSS originally began as five different programs:

  • Visa’s Cardholder Information Security Program
  • MasterCard’s Site Data Protection
  • American Express’ Data Security Operating Policy
  • Discover’s Information Security and Compliance
  • JCB’s Data Security Program

The motive of the above listed companies was to protect the card holder by providing some guidelines to merchants or any other entity which is involved in storing, processing and transmitting cardholder data. From the above listed companies, a PCI Security Standards Council (SSC) was formed, and the first version of PCI DSS 1.0 was released in December 2004. Because of rapid changes in technology, new mode of payments, attack vectors, regulatory laws, etc., this version got back to back updates from 1.1 to 1.2. PCI subsequent versions 2.0 and 3.0 were released in October 2010 and November 2013 respectively.

One major theme that forms the basis of PCI-DSS 3.0, apart from some notable ones like education and awareness around payment security, increased flexibility to handle risks, and security as a shared responsibility, is to make PCI-DSS a Business As Usual (BAU) practice. The purpose of this document is to outlay the key drivers that led to PCI-DSS 3.0. Below are the key drivers and challenges that lead to PCI-DSS 3.0.

Lack of education and awareness around payment security

PCI DSS Encryption Requirements PCI Security Compliance PCI DSS Encryption PCI Compliance  PCI DSS Encryption PCI DSS: What You Need to Know

Due to lack of education and awareness around payment security, employees usually leave security holes in their developed applications by not following best security practices to code, picking up weak passwords, and sharing company information on public and social platforms. PCI-DSS 3.0 has incorporated requirements such as 8.4 that focus on personnel trainings, guidance around payment security, guidance for selecting and protecting authentication credentials, instructions to change passwords in case of any suspicion detected, etc.

The PCI-DSS council has gone a step ahead and also focuses on major sales points where card data is processed ie. POS terminal and brings these terminals under scope, as attacks on POS devices like cloning, addition of card skimmers, etc. are on a high. Requirement 9.9 which is to “Protect devices that capture card data via direct physical interaction with the card from tampering and substitution” is added to address the POS threat challenge. This requirement will now make organizations maintain an up-to date list of devices deployed at various sites. This list will contain information about POS devices such as:

  • Unique serial number of the device
  • Make and model of device
  • Location details at which it is deployed.

This requirement also focuses on providing training for end-personnel to be aware about the attempted tampering or replacement of authentic POS devices. Organizations need to conduct periodic reviews of devices to check for any evidence of substitution or tampering.

Third party security challenges

As per the security investigation report, 63 percent of security deficiencies that can result in breach or loss of cardholder data falls in the 3rd party IT landscape, whose business function is to process, transmit and store cardholder data received either from merchant or service providers. To handle crises whenever there is a breach resulting in cardholder data loss and no one to take ownership of that, PCI has added requirements 12.8, 12.9 to made it clear that both the engaging parties need to seal the deal with a written agreement, which should state a clear responsibility matrix. This requirement also requires the organization to do a proper due-diligence of the IT landscape, process, services offered, and security controls in place before entering into a formal agreement.

Along with the above stated requirement, PCI has also stated an additional requirement for service providers with requirement number 8.5.1 to maintain unique credentials for each customer when accessing their premises remotely for services like support of POS systems. This requirement will prevent the compromise of multiple customers’ account profiles in case the service provider used the same credentials for all the service providers and that in turn is compromised. Also service providers must set up strong credentials to access customer premises and should adopt best practice policies like a password change policy, etc.

Anti-malware solutions

The earlier PCI-DSS 2.0 standard specifies that there should be an antivirus solution deployed to protect the CDE environment from viruses, malware, etc. and that it should be completely updated with the latest patches and signatures, but the requirement did not specify about the access control settings over the AV software, such as access control over the AV manager, meaning who can only disable the AV solution and who can view its logs and edit the configuration changes. However in PCI-DSS 3.0, requirement 5.3 now requires organizations to deploy tighter policy based controls around antivirus solution that will require authorization to access and alter the configuration settings of the AV solution.

To keep controls deployment and maintenance costs in check, merchants generally come up with a classification of important endpoints that will be covered under security controls deployment like antivirus. Though asset classifications is a good practice, merchants do not generally update these lists with the ever-changing threat landscape. Keeping this in check, PCI-DSS has added a new requirement 5.1.2 which requires merchants to identify and evaluate evolving threats against systems which are not commonly affected by malicious software like mainframes, so as to develop a tighter antivirus security around all the systems in the CDE environment. Merchants can take guidance from vendors to understand the changing threat landscape and to evaluate whether their unprotected systems come under newly discovered vulnerabilities.

Penetration testing

One of the key drivers and significant changes in PCI-DSS 3.0 is addition of the requirement for merchants to conduct penetration testing on their cardholder environment. SSC has laid emphasis on the point that merchants/service providers must adopt an industry wide accepted penetration testing like NIST SP 800-15. PCI requirements also need to conduct penetration tests not only at the application level but also at the network level against devices that are deployed at the perimeter (say for segregation) or deployed inside CDE environment. PCI requirement 13.4 would require providers to conduct:

  • Annual penetration tests on the external network and when there is any significant change in infrastructure or applications deployed in CDE environment.
  • Annual penetration tests on the internal network and when there is any significant change in infrastructure or applications deployed in CDE environment.
  • Annual penetration tests on the boundary defense of CDE environment or around the segmentation controls that are used to isolate the CDE environment to check their effectiveness.
  • Adopt the cyclic process of Test (Conduct Penetration testing (PT)) > Remediate (Fix Vulnerabilities) > Re-Test (Conduct PT again) until all the vulnerabilities found are fixed.
  • Requires merchants/service providers to retain the Penetration testing results and remediation activities as per the adopted industry driven approach.

Inventory list

PCI has made it mandatory for retailers to maintain an inventory list of all the in-scope devices for CDE environment. With addition of requirement 2.4 which states, “Maintain an inventory of systems components that in scope of PCI DSS”, PCI made sure that retailers keep updating their inventory list with the already in action system components or to any newly added one. To avoid any confusion, PCI has also mentioned in some drilled down requirements what all needs to be put in the inventory list, such as:

  • Requirement no 11.1.1 states that “maintain an inventory of authorized wireless access points including a documented business justification ” will require retailers to maintain an inventory list for all access points with a proper business justification.
  • Requirement no 9.7.1 states that to “Properly maintain inventory logs of all media and conduct media inventories at least annually” will require retailers to maintain an inventory list of all the media so that stolen or missing media should not go unnoticed.
  • Requirement no 12.3.4 requires retailers to maintain an inventory of all physical devices with proper labeling to mark any unapproved installations.

However, the above stated requirement to maintain an inventory list will be very difficult for organizations to maintain until they fully practice the requirement no 1.1.3 which requires organizations to maintain an updated data flow diagram (DFD) to showcase all the controls that are in CDE environment. With an updated DFD, organizations will be able to classify what is in-scope and out of scope for their CDE environment.

Business as Usual (BaU)

One of the major themes of PCI-DSS 3.0 is to make it as a Business as Usual (BAU) Practice rather than compliance. As PCI-DSS covers a majority of mid-sized business that either do not have a large IT department or they have very few information security groups which can work to keep their business PCI-DSS-ready for audits and to incorporate any last minute hiccups. Making PCI-DSS as a BAU will require organizations to keep their PCI-DSS checklist updated regularly with any change in their CDE environment. Merchants should keep a check and document all the changes done in their cardholder data environment (CDE). These includes:

  • Regular monitoring of security controls like firewall, AV solutions, access controls, IDS/IPS, Security Incident and Event Management (SIEM), etc. in CDE environment to ensure that they are correct, updated and their functioning is secure.
  • Reviewing the security posture of the CDE environment with addition of new systems and devices, changes in configurations of security controls, organizational structure changes, etc.
  • Reviewing latest best practices, support issued by vendors for the security devices that are placed in CDE environment to make sure that the cardholder data is secured from evolving threats.

Conclusion

PCI-DSS 3.0 has incorporated some good new requirements as per the changing threat landscape, included the end user to understand about payment security, and clarified some statements for proper understanding of merchants and 3rd party service providers. Some of the changed requirements that are incorporated in PCI DSS 3.0 are termed as best practice for some time now, after which they will become mandatory for every organization to implement. PCI DSS 3.0 will surely make merchants, service providers or any entity that is processing, storing and transmitting cardholder data and is under PCI scope to revisit and enhance their existing strategy for protecting cardholder information.

References

https://www.pcisecuritystandards.org/documents/PCI_DSS_v3.pdf

Author Bio:
Lohit Mehta is a Security Researcher for the InfoSec Institute. He has experience working with RFPs/RFIs; Security HLD and LLD design; Network Security elements like Firewall, IDS/IPS, DLP, Reverse proxy, WAF; in Public Key Infrastructure(PKI); in Application Security testing for OWASP Top 10; in Compliance’s like PCI-DSS 2.0,3.0 , ISO 27k1, HIPPA; with Cloud Service Provider’s such as AWS; in Security Incident and Event Management(SIEM) with tools like Splunk; in Vulnerability Testing.

The post PCI DSS: What You Need to Know appeared first on Porticor Cloud Security.

More Stories By Gilad Parann-Nissany

Gilad Parann-Nissany, Founder and CEO at Porticor is a pioneer of Cloud Computing. He has built SaaS Clouds for medium and small enterprises at SAP (CTO Small Business); contributing to several SAP products and reaching more than 8 million users. Recently he has created a consumer Cloud at G.ho.st - a cloud operating system that delighted hundreds of thousands of users while providing browser-based and mobile access to data, people and a variety of cloud-based applications. He is now CEO of Porticor, a leader in Virtual Privacy and Cloud Security.

@ThingsExpo Stories
The 22nd International Cloud Expo | 1st DXWorld Expo has announced that its Call for Papers is open. Cloud Expo | DXWorld Expo, to be held June 5-7, 2018, at the Javits Center in New York, NY, brings together Cloud Computing, Digital Transformation, Big Data, Internet of Things, DevOps, Machine Learning and WebRTC to one location. With cloud computing driving a higher percentage of enterprise IT budgets every year, it becomes increasingly important to plant your flag in this fast-expanding busin...
Smart cities have the potential to change our lives at so many levels for citizens: less pollution, reduced parking obstacles, better health, education and more energy savings. Real-time data streaming and the Internet of Things (IoT) possess the power to turn this vision into a reality. However, most organizations today are building their data infrastructure to focus solely on addressing immediate business needs vs. a platform capable of quickly adapting emerging technologies to address future ...
No hype cycles or predictions of a gazillion things here. IoT is here. You get it. You know your business and have great ideas for a business transformation strategy. What comes next? Time to make it happen. In his session at @ThingsExpo, Jay Mason, an Associate Partner of Analytics, IoT & Cybersecurity at M&S Consulting, presented a step-by-step plan to develop your technology implementation strategy. He also discussed the evaluation of communication standards and IoT messaging protocols, data...
Nordstrom is transforming the way that they do business and the cloud is the key to enabling speed and hyper personalized customer experiences. In his session at 21st Cloud Expo, Ken Schow, VP of Engineering at Nordstrom, discussed some of the key learnings and common pitfalls of large enterprises moving to the cloud. This includes strategies around choosing a cloud provider(s), architecture, and lessons learned. In addition, he covered some of the best practices for structured team migration an...
With tough new regulations coming to Europe on data privacy in May 2018, Calligo will explain why in reality the effect is global and transforms how you consider critical data. EU GDPR fundamentally rewrites the rules for cloud, Big Data and IoT. In his session at 21st Cloud Expo, Adam Ryan, Vice President and General Manager EMEA at Calligo, examined the regulations and provided insight on how it affects technology, challenges the established rules and will usher in new levels of diligence arou...
In his Opening Keynote at 21st Cloud Expo, John Considine, General Manager of IBM Cloud Infrastructure, led attendees through the exciting evolution of the cloud. He looked at this major disruption from the perspective of technology, business models, and what this means for enterprises of all sizes. John Considine is General Manager of Cloud Infrastructure Services at IBM. In that role he is responsible for leading IBM’s public cloud infrastructure including strategy, development, and offering m...
In his session at 21st Cloud Expo, Raju Shreewastava, founder of Big Data Trunk, provided a fun and simple way to introduce Machine Leaning to anyone and everyone. He solved a machine learning problem and demonstrated an easy way to be able to do machine learning without even coding. Raju Shreewastava is the founder of Big Data Trunk (www.BigDataTrunk.com), a Big Data Training and consulting firm with offices in the United States. He previously led the data warehouse/business intelligence and B...
Recently, REAN Cloud built a digital concierge for a North Carolina hospital that had observed that most patient call button questions were repetitive. In addition, the paper-based process used to measure patient health metrics was laborious, not in real-time and sometimes error-prone. In their session at 21st Cloud Expo, Sean Finnerty, Executive Director, Practice Lead, Health Care & Life Science at REAN Cloud, and Dr. S.P.T. Krishnan, Principal Architect at REAN Cloud, discussed how they built...
22nd International Cloud Expo, taking place June 5-7, 2018, at the Javits Center in New York City, NY, and co-located with the 1st DXWorld Expo will feature technical sessions from a rock star conference faculty and the leading industry players in the world. Cloud computing is now being embraced by a majority of enterprises of all sizes. Yesterday's debate about public vs. private has transformed into the reality of hybrid cloud: a recent survey shows that 74% of enterprises have a hybrid cloud ...
22nd International Cloud Expo, taking place June 5-7, 2018, at the Javits Center in New York City, NY, and co-located with the 1st DXWorld Expo will feature technical sessions from a rock star conference faculty and the leading industry players in the world. Cloud computing is now being embraced by a majority of enterprises of all sizes. Yesterday's debate about public vs. private has transformed into the reality of hybrid cloud: a recent survey shows that 74% of enterprises have a hybrid cloud ...
DevOps at Cloud Expo – being held June 5-7, 2018, at the Javits Center in New York, NY – announces that its Call for Papers is open. Born out of proven success in agile development, cloud computing, and process automation, DevOps is a macro trend you cannot afford to miss. From showcase success stories from early adopters and web-scale businesses, DevOps is expanding to organizations of all sizes, including the world's largest enterprises – and delivering real results. Among the proven benefits,...
@DevOpsSummit at Cloud Expo, taking place June 5-7, 2018, at the Javits Center in New York City, NY, is co-located with 22nd Cloud Expo | 1st DXWorld Expo and will feature technical sessions from a rock star conference faculty and the leading industry players in the world. The widespread success of cloud computing is driving the DevOps revolution in enterprise IT. Now as never before, development teams must communicate and collaborate in a dynamic, 24/7/365 environment. There is no time to wait...
Cloud Expo | DXWorld Expo have announced the conference tracks for Cloud Expo 2018. Cloud Expo will be held June 5-7, 2018, at the Javits Center in New York City, and November 6-8, 2018, at the Santa Clara Convention Center, Santa Clara, CA. Digital Transformation (DX) is a major focus with the introduction of DX Expo within the program. Successful transformation requires a laser focus on being data-driven and on using all the tools available that enable transformation if they plan to survive ov...
SYS-CON Events announced today that T-Mobile exhibited at SYS-CON's 20th International Cloud Expo®, which will take place on June 6-8, 2017, at the Javits Center in New York City, NY. As America's Un-carrier, T-Mobile US, Inc., is redefining the way consumers and businesses buy wireless services through leading product and service innovation. The Company's advanced nationwide 4G LTE network delivers outstanding wireless experiences to 67.4 million customers who are unwilling to compromise on qua...
SYS-CON Events announced today that Cedexis will exhibit at SYS-CON's 21st International Cloud Expo®, which will take place on Oct 31 - Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA. Cedexis is the leader in data-driven enterprise global traffic management. Whether optimizing traffic through datacenters, clouds, CDNs, or any combination, Cedexis solutions drive quality and cost-effectiveness. For more information, please visit https://www.cedexis.com.
SYS-CON Events announced today that Google Cloud has been named “Keynote Sponsor” of SYS-CON's 21st International Cloud Expo®, which will take place on Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA. Companies come to Google Cloud to transform their businesses. Google Cloud’s comprehensive portfolio – from infrastructure to apps to devices – helps enterprises innovate faster, scale smarter, stay secure, and do more with data than ever before.
SYS-CON Events announced today that Vivint to exhibit at SYS-CON's 21st Cloud Expo, which will take place on October 31 through November 2nd 2017 at the Santa Clara Convention Center in Santa Clara, California. As a leading smart home technology provider, Vivint offers home security, energy management, home automation, local cloud storage, and high-speed Internet solutions to more than one million customers throughout the United States and Canada. The end result is a smart home solution that sav...
SYS-CON Events announced today that Opsani will exhibit at SYS-CON's 21st International Cloud Expo®, which will take place on Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA. Opsani is the leading provider of deployment automation systems for running and scaling traditional enterprise applications on container infrastructure.
SYS-CON Events announced today that Nirmata will exhibit at SYS-CON's 21st International Cloud Expo®, which will take place on Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA. Nirmata provides a comprehensive platform, for deploying, operating, and optimizing containerized applications across clouds, powered by Kubernetes. Nirmata empowers enterprise DevOps teams by fully automating the complex operations and management of application containers and its underlying ...
SYS-CON Events announced today that Opsani to exhibit at SYS-CON's 21st Cloud Expo, which will take place on October 31 through November 2nd 2017 at the Santa Clara Convention Center in Santa Clara, California. Opsani is creating the next generation of automated continuous deployment tools designed specifically for containers. How is continuous deployment different from continuous integration and continuous delivery? CI/CD tools provide build and test. Continuous Deployment is the means by which...