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34 Online Payment Trends COVER STORY
three steps for adhering to the PCI DSS, which is not a single event, but a continuous, ongoing pro- cess. First, assess: identify cardholder data, take an inventory of your IT assets and business processes for payment card processing, and analyze them for vulnerabilities that could expose cardholder data. Second, remediate: fix vulnerabilities and do not store cardholder data unless you need it. Third, report: compile and submit
required
remediation validation records,
if applicable,
and submit compliance reports to the acquiring bank and card brands you do business with.”
One of the top priori-
ties for the PCI in 2012 is mobile security. As more consumers shop via their mobile devices, it is harder to keep the data secure. “T e adoption of mobile is running ram- pant, and when it comes to using personal mobile devices, people have not thought about all of the security,” PCI SCC general manager Bob Russo said earlier this year. “We have a task force looking at this, and in 2011 we issued some guidance. T is year we will be issuing some best practices.” T e importance of mobile shopping security is
clear. As smartphones evolve into mini-computers, customers are using them at a higher rate. While most online sales are still placed through desktop computers, ecommerce soſt ware developer Ability Commerce noted that mobile shopping revenues on Android grew 173 percent in the 2011 holiday
season year-over-year, while the iPad, despite gener- ating only one-third of the traffi c of the iPhone and Android, generated 33 percent more revenue than the two mobile platforms combined. Mobile com- merce is clearly here to stay, as in 2011 both eBay and Amazon recorded more than $1 billion in sales originating from mobile devices, and research by Juniper Networks predicts that mobile payments will reach a total of $600 billion globally by 2013. As Vangie Beal
notes on ecommerce-
guide.com,
“Mayan PCI standards make
sure credit card data is safely transmitted.
prophesies aside, 2012 is all about mobile cus- tomers. If you’re not mobile, you’re simply not competitive. And your ecommerce busi- ness will suff er as you lose sales to competi- tors who provide a good shopping experience on mobile devices. Your customers do every- thing on mobile devices
y
from accessing promotional coupons and scanning QR codes, to researching products, comparing prices, and making a purchase.” She recommended numerous online store and hosting packages with mobile optimization features that all start at under $30 a month, including BigCommerce, Pinnacle Cart, ProStores, Shopify and Volusion. Most ser- vices off er a free trial and are optimized for most, if not all, major mobile device and tablet carriers. Not only are more people viewing content on
mobile devices, but many companies have reported that shoppers who do buy on mobile devices
Continued On 38 36 April 2012
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