12 Requirements for PCI DSS certification Requirements
PCI DSS certification Requirements
The PCI DSS has set some requirements based on the technical as well as the operational parameters. These requirements focus on protecting the cardholder data. These requirements for this certification include:
The PCI DSS Compliance requirements has several guidelines and standards need to be complied and the most important 12 requirements are below enlisted.
Installation and maintenance of firewall: Firewall is responsible for allowing or blocking od the data through the network.plays a crucial role in preventing the loss of confidential data to unauthenticated users. The setting should be such that there should be no data exchange between the untrusted networks.
Setting up proper passwords: The vendor of the payment application provides the default password and security parameter settings. It is essential to change these default passwords and parameters. The hackers can easily assess the system and confidential data using the default settings.
Protection of stored cardholder data: The cardholder data should be accessed only to meet the business needs. Only the limited required data needs to be stored to decrease the risk of the data breach.
Encryption of data for transmission over an open network: The hackers or cyber criminals can intercept the transmission of cardholder data over the open public network. Thus is it important to encrypt the data before transmission to make it unreadable to an unauthorized person.
Protection against malware: The use of malicious software leads to exploitation of the system and may also lead to loss of confidential data. The use of updated anti-virus software helps to protect the system and the application against malware.
Development and maintenance of secured systems and applications: Vulnerabilities and flaws in the system and application may give a chance to the hackers to access the confidential data. The use of secured coding practices for the system and application blocks the access of cyber criminals to this crucial data.
Restricted access to data: It is necessary to restrict the access to confidential data only to the authorized person based on their job responsibilities.
Identification and authenticate access to components of the system: It includes the identification of all the persons that need to access the crucial data. All the concerned persons should be given unique identification to access this data.
Consistent security systems testing: Vulnerability testing and penetration tests need to be carried out in regular intervals to detect flaws a vulnerability of the system.
Security policy Maintenance: Maintain of a policy to address personal information security is inevitable and need to be updated in case of any changes.
Restriction of physical access to cardholder data: Making the facility to access the confidential data only through authenticated system assess able to few authorized persons.
Tracking and monitoring access to cardholder data: The logging mechanism is useful in tracking user activity. This helps to carry out analysis in case anything goes wrong.
For the security of confidential data, the Payment Card Industry Data Security Standard (PCI DSS) has set some standards for data protection. These PCI DSS Compliance requirements standards endure that the application used for the payment transactions is secured and has the least number of flaws leading to the data breach.