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PCI Security Standards


Background

Organizations collecting and protecting cardholder data face an array of regulatory challenges. The PCI Security Standards have been mandated by major credit card providers, and is intended to protect cardholder data. Standards including the PCI Data Security Standard (PCI DSS), the Payment Application Data Security Standard (PA-DSS), the Point-to-Point Encryption (P2PE) requirements, and the Experian Independent 3rd Party Assessment (EI3PA) requirements impact how organizations manage, transmit, and safeguard payment information and cardholder data.

The 6 main objectives for PCI include:

  • Building and maintaining a secure network for processing cardholder data
  • Protecting cardholder data in both in transit and rest
  • Defining and maintaining a vulnerability management program
  • Implementing strong access control within the cardholder data environment
  • Monitoring and testing for network vulnerabilities
  • Maintaining an information security policy for corporate governance

SMCPL's services related to PCI Security Standards include the following:


PCI DSS

The PCI Data Security Standard (PCI DSS) applies to major credit card providers, and is intended to protect cardholder data. To achieve PCI DSS compliance, all members, merchants and service providers must adhere to this standard, which offers a single approach to safeguarding sensitive data for all card brands.

PCI PA-DSS

The Payment Application Data Security Standard (PA-DSS) applies to software vendors and others who develop payment applications that store, process, or transmit cardholder data as part of authorization or settlement, where these payment applications are sold, distributed, or licensed to third parties.

Point-to-Point Encryption (P2PE)

Point-to-Point Encryption, also known as end-to-end encryption, is an emerging technology that is used to protect sensitive credit card data from point of swipe, while in transit, all the way to the payment processor. This type of protection is critical as hackers increasingly focus on stealing credit card data while it is in transit. As a QSA P2PE, SMCPL is one of a very select group of PCI compliance certification firms authorized to certify to P2PE standards.

Experian Independent 3rd Party Assessment (EI3PA)

EI3PA is an annual assessment of Experian's 3rd Party Processors' ability to protect Experian's Personally Identifiable Information (PII) data. If you are a company processing, storing, or transmitting PII provided by Experian, you may be required to have your systems assessed by a QSA to determine how well you are protecting this information externally and internally from unauthorized users.

Daily Logging & Monitoring

SMCPL will design and implement a log management solution that fits your regulatory log retention requirements. The design will ensure that devices log the required information, the logs are consolidated in a secure central repository and that the logs are automatically moved to near-line or offline storage for worry-free long term retention.

Security Awareness Training

Employees who are not trained or generally aware of information security can be the weakest link in your organization. Many industries require a continuing employee education program and proof of performance.

Potential Risks

Failure to comply with the PCI Security Standards can result in the revocation of processing privileges and up significant financial penalties. It's also important to keep in mind the possibility of PR damage to your organization.
Our qualified experts understand the impact certain requirements can have on your payment data collection, transfer, and maintenance procedures. We will bring procedural expertise to your organization regarding these issues.
Failure to comply with relevant requirements can have a devastating impact on your organization. Don't take chances - let our experts help! SMCPL has a variety of services that you can leverage to meet your PCI compliance needs

PCI Security Standards Audits

Credit card fraud in the US is at an all-time high. The PCI DSS standard establishes a framework by which organizations can protect their cardholder data environment. By complying with PCI requirements, merchants and service providers can reduce the risk of a breach, gain competitive advantage, and increase their credibility.
Our PCI engagements focus on managing the full life cycle of our client’s certification process for their cardholder data environment. SMCPL offers a full suite of services to assist organizations with all aspects of their compliance effort.

Policies & Procedures

Every organization needs written policies and procedures that clearly define the company’s methods for protecting in-formation and data assets.

Every organization should have written policies and procedures that clearly define the company's policies for protecting information and data assets. Your information security policies and procedures documents provide clarity in employee communications and provide a layer of defences against liabilities associated with misconduct.
SMCPL has a thorough consulting process that can help you achieve this!

Step 1 - Information Gathering

Our security consultants conduct a series of interviews with your personnel to gain a better understanding of your operating environment. This information serves as the framework of the policy and procedure documents.

Step 2 - Policy & Procedure Development

We create a comprehensive set of policies and procedures that address your company's needs to ensure compliance with relevant legislation or requirements.

Step 3 - Document Review

Your staff reviews the documents along with the SMCPL consultants to ensure that all of your objectives are addressed

Step 4 - Document Release & Implementation

Upon your approval of the policies and procedures, we provide a final version for release and implementation. We can also provide consulting services to assist with the implementation, if necessary.

Information Security Awareness Training

An organization may underestimate the impact their employees can have on its security and compliance posture. Consider the fact that many of these people have critical responsibilities such as managing the network, running applications, handling customer data, communicating through email, visiting websites, and more. Therefore, Security Awareness Training plays a vital role as the organization’s first-line of defense against both internal and external threats and vulnerabilities.
We have developed a fully comprehensive and highly interactive Security Awareness Training program to train your workforce, probe threats in your user community, strategically deploy training and phishing assessments to vulnerable end users, and reduce the risk of security and privacy breaches.

Security Consulting

Our Security Consultants understand the risks involved and the security processes and procedures that should be implemented. These services can be related to any aspect of information security such as technology, policy and procedures, network design, disaster recovery, and more.

Securing your company's data and information assets involves more than technology. It requires a deep understanding of the risks involved and the security processes and procedures that should be implemented.
SMCPL's experts understand this through their years of experience in all aspects of information security. Our consulting services are customizable and can be related to any aspect of information security such as technology, policy and procedures, network design, disaster recovery, compliance standards, and more.
No matter what your security concerns or needs are, our experienced consultants will help you understand your organization's risk profile and the specific steps that must be taken to close gaps and mitigate risk.
Outlined are key activities, deliverables, and milestones for ensuring the organization's PCI compliance and certification

Gap Assessment,Audit & Reporting

Our team will review and analyse current policies, procedures, and initiatives relevant to the organization’s debit/credit/payment transaction environment or payment application design. All significant third party outsourcers and managed service providers will be reviewed as well.
After the gap analysis report is developed and delivered, our team will conduct a joint review of the findings and recommendations. Additionally, our team will create a recommendation and implementation project plan.
Once the assessment and report of the organization’s PCI compliance is complete, our team will issue or validate the appropriate compliance certificate.
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