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Payment Card Industry Data Security Standard (PCI DSS) Auditing and Compliance

Thales can help simplify PCI DSS compliance efforts by protecting any business that transmits, processes and stores cardholder data

PCI DSS Requirements

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Mandate | Active Now

Any organization that plays a role in processing credit and debit card payments must comply with the strict PCI DSS compliance requirements for the processing, storage and transmission of account data. And, while PCI DSS requirements aren’t new, organizations’ technological environments and the threats that have to be combatted continue to evolve as do PCI DSS guidelines.

Thales can help organizations working with cardholder data achieve compliance with several PCI DSS 3.2.1 requirements, including:

  • Protect cardholder data at rest
  • Encrypt cardholder data in motion
  • Restrict access to cardholder data
  • Identify and authenticate access to systems storing cardholder data
  • Track and monitor all access to cardholder data
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  • Regulation
  • Compliance

Over 200 Tests against Six Core Principles

The PCI DSS standard (www.pcisecuritystandards.org) involves assessment against over 200 tests that fall into 12 general security areas representing six core principles. These PCI DSS tests span a wide variety of common security practices along with technologies such as encryption, key management, and other data protection techniques.

Risks Associated with PCI DSS Auditing and Compliance

  • Failure to comply with PCI DSS compliance requirements can result in fines, increased fees, or even the termination of your ability to process payment card transactions.
  • Complying with the PCI DSS cannot be considered in isolation; organizations are subject to multiple security mandates and data breach disclosure laws or regulations. On the other hand, PCI compliance projects can easily be side-tracked by broader enterprise security initiatives.
  • Guidance and recommendations linked to PCI DSS requirements include common practices that are likely to be already in place. However some aspects, specifically those associated with encryption, might be new to the organization and implementations can be disruptive, negatively impacting operational efficiency if not designed correctly.
  • It is all too easy to end up with a fragmented approach to security based on multiple proprietary vendor solutions and inadequate technologies that are expensive and complex to operate.
  • Opportunities exist to reduce the scope of PCI DSS compliance obligations and therefore reduce cost and impact; however, organizations can waste time and money if they do not exercise care to ensure that new systems and processes will in fact be accepted as PCI DSS compliant.

An Integrated Compliance Solution

Drawing on decades of experience helping banks and financial institutions comply with industry mandates, Thales offers integrated products and services that enable you to protect stored cardholder data, encrypt it for transfer, and restrict access on a need to know basis. In addition, Thales works closely with partners to offer comprehensive solutions that can reduce the scope of your PCI DSS compliance burden.

Addressing the Core Principles of PCI DSS

Thales offers comprehensive PCI DSS compliance software solutions that help organizations address the six core principles of PCI DSS:

  • Protect cardholder data at rest: Thales Vormetric Data Security Manager and Luna Hardware Security Module(HSM) enables organizations to centrally manage encryption keys and deliver a variety of encryption, tokenization and data masking solutions to protect cardholder data in files, folders, applications and databases in both traditional and cloud or virtualized environments.
  • Encrypt cardholder data in motion: Thales High Speed Encryptors (HSE) encrypt all data that traverses across open networks between point of sale devices and systems that process cardholder data.
  • Develop and maintain secure system and applications: Thales Luna HSMs enable organizations to securely store signing material in a trusted hardware device, thus ensuring the authenticity and integrity of any application code files
  • Implement strong access control measures: Thales products can be setup for unique, multifactor administrative access to systems that store cardholder data. In addition, SafeNet Trusted Access enables you to centrally manage unique user identities, risk-based authentication policies, and add/revoke access to systems in your Cardholder Data Environment (CDE).
  • Track and monitor all access to cardholder data: All products in the Thales data protection portfolio produce audit records that log any encryption key lifecycle operations (creation/deletion/rotation/revocation) and other administrative functions that can be used to reconstruct events.
  • Related Resources
  • Other key data protection and security regulations

    GDPR

    Regulation
    Active Now

    Perhaps the most comprehensive data privacy standard to date, GDPR affects any organisation that processes the personal data of EU citizens - regardless of where the organisation is headquartered.

    PCI DSS

    Mandate
    Active Now

    Any organisation that plays a role in processing credit and debit card payments must comply with the strict PCI DSS compliance requirements for the processing, storage and transmission of account data.

    Data Breach Notification Laws

    Regulation
    Active Now

    Data breach notification requirements following loss of personal information have been enacted by nations around the globe. They vary by jurisdiction but almost universally include a “safe harbour” clause.