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PCI: The Standard for Credit Data Safety



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March 1, 2007 —  In September 2006, American Express, Discover Financial Services, JCB International, MasterCard Worldwide and Visa International jointly announced the formation of the PCI Security Standards Council.

Made up of companies that issue credit cards, the council was established to manage ongoing evolution of the PCI standard, earlier managed informally. The council’s mission is to improve payment account security by fostering broad adoption of the PCI Data Security Standard. The standard specifies processes and precautions for handling, processing, storing and transmitting credit card data across all payment channels, including retail stores, mail order and e-commerce.

Released in September 2006, PCI Data Security Standard 1.1 outlines 12 broad-based requirements, grouped under six categories. Many address network security and access control issues. But requirement 11—to regularly test security systems and processes—also deals with application security concerns.

It specifies, among other things, that Web applications are subjected to quarterly vulnerability scans performed by an outside vendor qualified by PCI. (ScanAlert is one such vendor; Qualys is another.) Requirement 11 also mandates application-layer penetration tests at least once a year, and after any significant application or modification.

Failure to meet the PCI Data Security Standard 1.1 by June 2007 could result in a fine as high as US$500,000, and could also bar a business from processing credit card transactions. Penalties can vary from one credit card company to another.





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