PCI Compliance

Ben Rothke writes "It has long been rumored that manufacturers of items such as razors and batteries specifically produce their products to an inferior level in order to ensure repeat business. A similar paradox is occurring in the information security space where many are complaining that the PCI Data Security Standard (PCI DSS) is too complex and costly. What is most troubling is that such opinions are being written in periodicals and by people that should know better." Read on for the rest of Ben's review. PCI Compliance: Understand and Implement Effective PCI Data Security Standard Compliance author Tony Bradley pages 352 publisher Syngress rating 9 reviewer Ben Rothke ISBN 1597491659 summary Great for anyone who has PCI responsibilities or wants to gain a quick understanding of the PCI DSS requirements.

PCI came to life when Visa, MasterCard, American Express, Diner's Club, Discover, and JCB collaborated to create a new set of standards to deal with credit card fraud. PCI requires that all merchants and service providers that handle, transmit, store or process information concerning any of these cards, or related card data, be required to be compliant with the PCI DSS. If they are not compliant, they can face monetary penalties and/or have their card processing privileges terminated by the credit card issuers.

The primary purpose of PCI is to force organizations to embrace common security controls to protect credit card data and reduce fraud and theft. The following are the six primary control areas and 12 specific requirements of the PCI DSS:

Build and maintain a secure network

1. Install and maintain firewall configurations

2. Do not use vendor-supplied or default passwords

Protect cardholder data

3. Protect stored data

4. Encrypt transmissions of cardholder data across public networks

Maintain a vulnerability management program

5. Use and regularly update anti-virus software

6. Develop and maintain secure systems and applications

Implement Strong Access Control Measures

7. Restrict access to need-to-know

8. Assign unique IDs to each person with computer access

9. Restrict physical access to cardholder data

Regularly monitor and test networks

10. Monitor and track all access to network resources and cardholder data

11. Regularly test security systems and processes

Maintain an information security policy

12. Maintain a policy that addresses information security

A quick review of these 12 items shows that PCI is a textbook example of the fundamentals of information security. With that, PCI Compliance: Understand and Implement Effective PCI Data Security Standard Compliance is an excellent resource that provides the reader with all of the fundamental information needed to understand and implement PCI DSS.

The books 13 chapters provide the reader with a comprehensive overview of all of the details and requirements of PCI. The first three chapters provide an overview of the basics about PCI and the basic requirements of the standard. The following six chapters go into detail about each of the primary control areas.

In particular, chapter 6 provides a good overview of the PCI logging requirements. This requirement can be time-consuming to put into place. The author notes that a commonly overlooked but essential requirement, namely that of accurate and synchronized time on network devices. Enterprise information network and security infrastructure devices are highly dependent on synchronized time and PCI recognizes that correct time is critical for transactions across a network.

In a further discussion about synchronized time in chapter 9, the author unfortunately makes an error when he states that local hardware is considered a stratum 1 time source since it gets its time from its own CMOS. From an NTP perspective, only a device that is directly linked to a stratum-0 device is called a stratum-1. CMOS clocks are notoriously inaccurate and can't be relied upon.

The title of chapter 12 is both amusing and accurate 'Planning to fail your first Audit'. The irony is that so many organizations lack a CISO or formal business security program in place designed to protect corporate information assets. They don't focus on information security as a process, rather as a set of products or regulatory items to be checked-off. Yet, these same organizations are surprised when they fail an audit.

The book concludes in chapter 13 with the well-known observation that security is a process, not an event. The book astutely notes that it is impossible to be PCI compliant without approaching security as a process. Trying to achieve compliance without integrating the various aspects in an integrated fashion is bound to fail.

Overall, PCI Compliance: Understand and Implement Effective PCI Data Security Standard Compliance is a great book for one of the most sensible security standards ever. Anyone who has PCI responsibilities or wants to gain a quick understanding of the PCI DSS requirements will find the book to be quite valuable.

Ben Rothke is a security consultant with BT INS and the author of Computer Security: 20 Things Every Employee Should Know

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