LOSSPREVENTION&SECURITY 19
VISA ISSUES DATA FIELD ENCRYPTION GUIDELINES
help merchants and other stakeholders in the payments process to evaluate data fi eld encryption solutions. These technologies can help secure card data when it is either being stored or moved and render it useless to fraudsters in the event of a data compromise. Visa Europe’s guidelines are designed
N
to provide guidance by describing minimal security practices required to design a robust data fi eld encryption solution that can help satisfy Payment Card Industry Data Security Standard (PCI DSS) compliance requirements, while reducing the cost of maintaining compliance and offering the fl exibility needed to complement existing security measures. An Argos customer recently checked his
order confi rmation and found that his entire credit card number and security code could be viewed within the email’s HTML source code. The unencrypted email source code included the customer’s full name, address, credit-card number and the three-digit CCV security code. Stanley Skoglund, head of policy compliance at Visa Europe told Retail Technology: “While fraud remains at historically
Charles Tyrwhitt, the luxury provider of men’s shirts, has purchased and implemented of Tripwire Enterprise, to protect customers’ payment card data and ensure compliance with the Payment Card Industry Data Security Standards (PCI DSS). Thomas Brooke, Charles Tyrwhitt IT
manager, said: “Working with Tripwire, we will not only be able to demonstrate our full compliance to PCI DSS standards but also be able to more easily access a full history of all changes made across our infrastructure. To ensure our systems are secure it is important that we have access to and visibility of all changes that take place so that we can identify unauthorised changes easily.”
ew guidelines, based on best practices developed by Visa Europe, have been launched to
low levels, recent cases where retailers have sent unencrypted cardholder data in customer emails highlight the vulnerability of some merchants’ systems. Fraudsters can be very resourceful so the utmost care must be taken in handling sensitive payments information. Data fi eld encryption is increasingly recognised as the most effective way of protecting against losses and is a big step on the way to retailers becoming PCI DSS compliant.
“While some retailers, merchants and
banks have been implementing PCI DSS compliance programmes to utilise data fi eld encryption, uncertainty around how best to adopt encryption has slowed progress. “For this reason, Visa Europe has published guidelines on how to implement data fi eld encryption solutions, and will continue to work hard to support the adoption of compliant systems alongside other members of the PCI Security Standards Council to help increase adoption. The more merchants that comply with the standard, the more secure payments will be.” A copy of Visa’s guidelines on data fi eld
encryption is available at: http://www.visapromotions.net/documents/ key_management_guidance_v1_3.pdf
UK LAGS IN PCI COMPLIANCE
New independent market research by industry analyst, Redshift Research, on behalf of Tripwire, has found that as the Payment Card Industry Data Security Standard (PCI DSS) September 2010 deadline looms, 89% of companies are not currently audited and certifi ed as compliant. The survey, which sampled the views of
100 retail, fi nancial services and hospitality businesses, also found that 57% of retail respondents still did not fully understand PCI compliance requirements. And nearly a third of respondents did not know if they will be compliant by the September 2010 deadline, which mandates Level 1 and 2 merchants handling more than one million transactions a year must certify that they retain no prohibited sensitive payment card data with their acquirers and full compliance validation for Level 1 merchants. When asked whether they were
confi dent about meeting the September 2010 deadline, 21% of Level 3 merchants said they would not be compliant in time, and a further 25% of Level 3 merchants did not know if they would be compliant in time; 7% of Level 4 merchants said they would not be compliant, and a further 31% said they did not know if they would be compliant. Only 11% of Level 2 merchants were unsure about achieving compliance, while all Level 1 merchants were confi dent about meeting the deadline. Guy Washer, managing director of Redshift Research, said: “We are seeing clear evidence in the marketplace that companies face an ongoing struggle to collate volumes of change and event information across those systems charged with protecting cardholder data and then still maintain compliance between audits. Without automation through continuous monitoring and reporting, the process is both resource intensive and potentially valueless: why spend months achieving PCI DSS compliance only to slip out of compliance due to a system change within weeks?”
MARCH/APRIL 2010 RETAIL TECHNOLOGY
Page 1 |
Page 2 |
Page 3 |
Page 4 |
Page 5 |
Page 6 |
Page 7 |
Page 8 |
Page 9 |
Page 10 |
Page 11 |
Page 12 |
Page 13 |
Page 14 |
Page 15 |
Page 16 |
Page 17 |
Page 18 |
Page 19 |
Page 20 |
Page 21 |
Page 22 |
Page 23 |
Page 24 |
Page 25 |
Page 26 |
Page 27 |
Page 28 |
Page 29 |
Page 30 |
Page 31 |
Page 32 |
Page 33 |
Page 34 |
Page 35 |
Page 36 |
Page 37 |
Page 38 |
Page 39 |
Page 40