PCI DSS Applicability Information

* These data elements must be protected if stored in conjunction with the PAN. This protection must be consistent with PCI DSS requirements for general protection of the cardholder environment. Additionally, other legislation (for example, related to consumer personal data protection, privacy, identity theft, or data security) may require specific protection of this data, or proper disclosure of a company's practices if consumer-related personal data is being collected during the course of business. PCI DSS, however, does not apply if PANs are not stored, processed, or transmitted.

** Sensitive authentication data must not be stored subsequent to authorization (even if encrypted).

PCI Compliance bothering???

Hi,

When I was reading thru PCI DSS standards, something that was bothering me was the following requirement:

Ensure that all web-facing applications are protected against known attacks by applying either of the following methods:

* Having all custom application code reviewed for common vulnerabilities by an organization that specializes in application security
* Installing an application layer firewall in front of web-facing applications.

This method is to be considered a best practice until June 30, 2008, after which it becomes a
requirement.

My confusion was whether I had to hire someone to go a code review or penetration testing or would other means work ?? Finally I could clear this by posting it to PCI and getting the answer.

What they mentioned was :
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Using specialized 3rd-party tools that perform thorough analysis of applications to detect vulnerabilities and defects may well meet the intention and objectives of the source code review requirement in PCI Data Security Standard requirement 6.6, if the company using the 3rd-party tool also has the internal expertise to understand the findings and make appropriate changes.

The PCI Security Standards Council will look to clarify this section of the standard during the next revision, to include that testing of web-facing applications can be done via source code review or products that test the application thoroughly for defects and vulnerabilities (when internal staff have the skills to use the tool and fix defects). The PCI Security Standards Council will also consider including prescriptive requirements as to what both the application firewall and application analysis tool or process should test for.

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Finally, I could settle for the confusion. I need not go for a 3rd party review to go through several lines of code or do it myself. I can very well use tools like WebInspect and AMP to complete this requirement.

Cheers,
Dharmesh.

Westside in Mumbai stores your credit card numbers..

Hi,

If you are a Mumbai local, I am sure you would have visited Westside - one of the famous retail shops. I happened to bump into their store in Andheri(W) Infinity Mall and to my surprise, when I gave my credit card for swipe, they swiped it twice. :(
- Once on the processing machine and second on his computer.

I asked the fellow, "Why are u swiping my card twice?"

He replies, "Sir, we need to store your card information for tallying it at the end of day."
I was really disturbed by this. They stored my name, card number and expiry date. Only thing remaining was the CCV number. Remember this is generally a 3 or 4 digit number usually at the back of the card.

I am surprised that these merchants are allowed to store credit card information. No PCI compliance required ??

I felt like calling up the media - Mumbai Mirror, DNA or Times and yelling them that see these guys....what are they upto ?? Why the hell are they storing credit card information and if they need it, why is is not encrypted??

A hacker's mind would surely think of compromising their database having thousands and thousands of credit card holders information.

To add to all my fuss that day, they gave me a printed receipt to sign off and that too printed my entire credit card number (none of the digits were masked) and even the expiry date.

I am sure there are many such places in mumbai where credit card information is stored and is highly likely for hackers to get inside them very easily. If the merchants or shop owners do not bother to care about the credit card information, they must be banned from handling these transactions.

I wanted to raise my voice for all the people who actually opt for credit card transactions. Please make sure and shout if you find they are storing your credit card information. If they are swiping the card twice for their sake. This is illegal.

Visa / Mastercard and other card issuers must look into this matter asap.

Please send in your comments and let's raise this to get in media of possible and spread awareness.

Thanks.

Dharmesh.