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PCI DSS for Retail Industry March 21, 2014 Public Agenda • Threat Landscape • Payment Ecosystem • Overview of PCI DSS • Bank’s Approach for PCIDSS Compliance Public Threat Landscape Increased focus at compromising POS systems at retail outlets Successful data breaches resulting in leakage of millions of cardholder data Sophisticated attack vectors being used to breach the security controls Affected Retailers Malicious executables • Target • Neiman Marcus • Schnucks Markets Inc • Harbor Freight • MACPO Express • ..and many more • JackPOS • Dexter • Chewbacca • Project Hack • POSRAM Trojan • …and many more Advanced mitigation controls • Implement PCI DSS and PA DSS controls • Lockdown POS terminals to allow only basic requisite applications (whitelist) • Implement anti-malware and anti-virus solution capable of detecting variants of malicious executables • Implement advanced monitoring solutions Public Threat landscape Public Payment Ecosystem– Terminologies Card Holder • Customer purchasing products or services from merchant • Receives the payment card and bills from the issuer Issuer • Bank or other organization issuing a payment card on behalf of a payment brand (e.g. Master Card & Visa) • Payment Brand issuing a payment card directly (e.g. Amex, Discover, JCB) Payment Brand • Visa, MasterCard, Amex, Discover, JCB Public Payment Card Transaction Flow – Terminologies Merchant • Organization accepting the payment card for payment during a purchase Acquirer • Bank or entity the merchant uses to process their payment card transactions • Receive authorization request from merchant and forward to issuer for approval • Provides authorization, clearing and settlement services to merchants Public Payment Ecosystem – Authorization Flow Public Payment Ecosystem – Settlement Flow Public PCIDSS Overview - Some Key Terminologies AOC – Attestation of Compliance SAQ – Self Assessment Questionnaire QSA – Qualified Security Assessor ASV – Approved Scanning Vendor ROC – Report on compliance CHD – Cardholder data •PAN – Primary A/c. No. Public SAD – Sensitive Authentication Data Payment Card Industry – Security Standards Council Standard Description PCI PTS This standard applies to hardware developers that design and build PIN entry devices. PCI PA-DSS This standard provides security requirements to software developers that build and resell payment applications to merchants P2PE The Point-to-Point Encryption (p2pe) program is optional and provides a comprehensive set of security requirements for p2pe solution providers to validate their hardware-based solutions, and may help reduce the PCI DSS scope of merchants using such solutions. PCI DSS Security requirements for entities processing, storing and/or transmitting CHD Public PCI DSS Overview – The standard 6 Goals 12 Requirement s Goal 1: Build and Maintain a Secure Network 62 Goal 2: Protect Cardholder Data Main clauses Goal 3: Maintain a Vulnerability Management Program 289 Testing Procedures Goal 4: Implement Strong Access Control Measures Goal 5: Regularly Monitor and Test Networks Goal 6: Maintain an Information Security Policy Public Merchant Levels MERCHANT LEVEL PAYMENT BRAND Level 1 Level 2 Level 3 Level 4 AMEX > 2.5million 50000 >< 2.5million <50000 NA DISCOVER > 6million 1million >< 6million 20000 ><1million Others JCB >1million < 1million MasterCard > 6million 1million >< 6million VISA > 6million 1million >< 6million Payment Brand reserves the right to deem the level irrespective of transaction volume Public NA 20000 >< 1million 20000 to 1million (ecommerce) Others < 20000 (ecommerce). < 1million (other) Merchant Reporting Requirements MERCHANT LEVEL PAYMENT BRAND Level 1 Level 2 Annual OA by QSA or IA EU Only: Annual SAQ Level 3 •Quarterly N/W scan (ASV) (R) •EU Only: SAQ (R) AMEX Quarterly Network Scan (ASV) JCB •Annual OA by QSA •Quarterly N/W scan(ASV) •Annual SAQ •Quarterly N/W scan(ASV) Annual OA by QSA or IA Level 4 NA NA Annual SAQ DISCOVER Quarterly Network Scan (ASV) Annual OA by QSA or IA Annual SAQ MasterCard Acquirer to determine compliance validation Annual SAQ (R) Quarterly N/W scan (ASV) (R) Quarterly Network Scan (ASV) Annual OA by QSA Annual SAQ •Annual SAQ •Quarterly N/W scan(ASV) VISA Quarterly N/W scan (ASV) Attestation of Compliance form OA: Onsite Assessment R: Recommended Public IA: Internal Auditor Service Provider Levels SERVICE PROVIDER LEVEL PAYMENT BRAND AMEX DISCOVER Level 1 Level 2 All TPPs NA Does not categorize Service providers into levels JCB All TPPs NA MasterCard >1million <1million VISA Inc >300,000 <300,000 Payment Brand reserves the right to deem the level irrespective of transaction volume Public TPP: Third Party Processors Service Provider Reporting Requirements SERVICE PROVIDER LEVEL PAYMENT BRAND Level 1 Level 2 AMEX •Annual OA by QSA or IA DISCOVER •Annual OA by QSA OR IA OR Annual SAQ •Quarterly network scans by ASV JCB •Annual OA by QSA •Quarterly network scans by ASV MasterCard •Annual onsite review by QSA •Quarterly network scan by ASV •Annual SAQ •Quarterly network scan by ASV VISA •Annual OA by QSA •Quarterly network scan by ASV •Attestation of Compliance form •Annual SAQ •Quarterly network scan by ASV •Attestation of Compliance form OA: Onsite Assessment IA: Internal Auditor Public Need for PCIDSS Compliance RBI Mandate • RBI/2012-13/424: Section A – Point iv: • Banks should ensure that all acquiring infrastructure that is currently operational on IP (Internet Protocol) based solutions are mandatorily made to go through PCI-DSS and PA-DSS certification. This should include acquirers, processors / aggregators and large merchants Remain resilient to data breaches • It is not about just compliance. It is a security imperative, especially in the wake of recent high profile data breach incident at Service Providers & Merchants. Compliance is incidental, end objective is security. Public Bank’s Approach for PCIDSS Compliance Bank Compliance 1. On boarded a QSA Company to support in implementing PCI DSS controls at the enterprise level 2. Current State Assessment and Implementation in progress for all payment applications (switch, payment gateways, etc.), and processes has infrastructure, taken thenetwork initiative to share the data TwoHDFC Bank security alerts and advisories received from Payment streams of with all its merchants. Take these brands alerts/advisoriesMerchant seriously. If not Compliance actioned on time compliance you will get hit – as a target or by a random attack. program 1. Deployed a portal to monitor PCI DSS compliance for merchants and service providers 2. Monitoring compliance status of Level 1, Level 2 and Level 3 merchants and Level 1 and Level 2 service providers 3. Assist merchants and service providers in filling the applicable SAQ Public Thank You Manish Pal, Information Security Group Public
