PCI DSS Research Articles

Security compliance and its implication for cybersecurity

Security compliance plays a critical role in shaping and enhancing the cybersecurity posture of organizations. It involves adhering to legal, regulatory, and industry standards that govern data protection, privacy, and security measures. Key regulations, such as GDPR, HIPAA, and PCI DSS, along with international standards like ISO/IEC 27001 and NIST, require organizations to implement security frameworks aimed at managing risks, protecting sensitive data, and ensuring the confidentiality, integrity, and availability of information. The impact of security compliance extends beyond regulatory adherence. By implementing compliance frameworks, organizations enhance their ability to mitigate threats, respond to incidents, and recover from security breaches more effectively. These frameworks help ensure that security measures are consistent, well-documented, and aligned with industry best practices. Additionally, compliance fosters organizational accountability by requiring management oversight and promoting a security-first culture across all levels. However, compliance also presents challenges. Organizations must balance the often resource-intensive process of maintaining compliance with the need for a proactive security strategy that addresses emerging cyber threats. Compliance is sometimes viewed as a "check-the-box" activity, which may lead to a gap between regulatory adherence and actual security needs. Furthermore, the constantly evolving threat landscape requires continuous updates to compliance frameworks, which can be costly and complex, especially for multinational organizations operating under different regulatory regimes. Non-compliance can lead to severe consequences, including legal penalties, financial losses, reputational damage, and operational disruptions. As technology and cyber threats evolve, the relationship between security compliance and cybersecurity will continue to grow in importance, with a greater focus on integrating risk-based approaches and automation into compliance management.

An Analysis of Managing the Cloud: Obstacles and Solutions for Efficient Administration and Protection

Cloud management offers possibilities and difficulties to enterprises looking for effective management and strong data security. This essay examines the challenges associated with cloud administration and suggests workarounds for these issues. Assuring data security, upholding legal compliance, cutting expenses, and overseeing intricate multi-cloud setups are important obstacles. The use of cloud-native monitoring and governance tools, the implementation of extensive data backup and recovery plans, the use of automation for resource provisioning and administration, and the implementation of strong security measures like encryption and access restrictions are all necessary for finding solutions. Organizations may improve the security of their important data assets and expedite their cloud administration procedures by tackling these challenges with suitable solutions. Ensuring data security is a major concern in cloud administration. Organizations are concerned about data breaches, illegal access, and industry regulatory compliance when they move critical data to the cloud. Organizations need to have strong security mechanisms like identity management, access restrictions, and encryption in place to lessen these risks. Furthermore, implementing a defense-in-depth strategy that incorporates several security tiers might improve cloud environments' overall resilience. Upholding legal requirements and industry norms is another challenge for cloud managers. To secure sensitive data and uphold client confidence, businesses in regulated sectors like healthcare and finance are subject to strict compliance regulations. Adherence to frameworks like HIPAA, GDPR, and PCI DSS, as well as thorough policies and frequent audits are necessary to achieve compliance in the cloud. Organizations may minimize the risk of non-compliance penalties and expedite compliance processes by putting governance tools and compliance automation systems into place. For enterprises using cloud resources, cost optimization is another major concern. Pay-as-you-go cloud services might result in overspending and financial restrictions due to improper resource utilization.

An Extension of Small Business Cybersecurity Into the Classroom and Community

Small business owners often feel immune to hackers because of their business’s size and consequently do not have adequate security training, safeguards, policies, or insurance. Accordingly, small businesses are easy and frequent cybercrime targets because of limited budgets, technical personnel, and awareness. To increase small business owners’ awareness, a university conference for Cybersecurity and Small Business was offered with PCI DSS, Social Engineering, and Company Cases topics. To augment such cyber knowledge generation, this paper contains cybersecurity outreach activities for small businesses and cybersecurity learning activities for entrepreneurship students who aspire to be small business owners.

The Role of PASTA in Addressing Future Trends in Regulatory Compliance: Emerging Cyber Threats

The evolving landscape of cyber threats necessitates an adaptive approach to threat modeling and regulatory compliance. This paper explores the integration of the PASTA (Process for Attack Simulation and Threat Analysis) framework with emerging regulatory trends to address future cyber threats. The study examines how PASTA can be aligned with regulatory frameworks such as PCI DSS, HIPAA, GDPR, and CCPA, to enhance cybersecurity resilience and compliance. By analyzing the application of PASTA to Advanced Persistent Threats (APTs) and ransomware, the paper demonstrates how this structured methodology can help organizations effectively model, simulate, and mitigate sophisticated attacks. The integration of PASTA with regulatory requirements provides a comprehensive approach to managing cyber risks, ensuring robust protection against both current and emerging threats.

Master Card and Visa Fraud Detection Using Random Forest Algorithm

Extortion is a with determination ambiguous activity projected to give the criminal an illegal increase or to deny a right to a victim. Extortion take in the misleading depiction of realities, whether by deliberately keeping considerable data or giving fake proclamations to one more party for the particular reason for acquire something that might not have been given without the double dealing. Frequently, the offender of extortion knows about data that the expected victim isn't, permitting the perpetrator to delude the person in enquiry. On a primary level, the being or association committing misrepresentation is exploiting data irregularity; in particular, the asset cost of checking on and confirming that data can be adequately huge to make a deterrent to put capital into misrepresentation counteraction completely. we take the one of the extortion i.e Mastercard misrepresentation. Mastercard extortion is a inclusive terms for caricature committed utilizing an installment card, for example, a Visa or charge card. The reason might be to get labor and products or to make installment to another record, which is constrained by a crook. The Installment Card Industry Information Security Standard (PCI DSS) is the information security standard made to assist monetary establishments with handling card installments safely and diminish card extortion. For Mastercard misrepresentation recognition we are utilizing the machine inclining models of calculated relapse, arbitrary woodland, and choice trees are assessed for recognizing fake Visa exchanges. Irregular backwoods is the most appropriate model for anticipating fake exchanges. Adjusting a dataset guarantees that the model doesn't incline toward the larger part class exclusively.

Harmonizing open banking in the European Union: an analysis of PSD2 compliance and interrelation with cybersecurity frameworks and standards

AbstractThis paper focuses on the security protocols enacted in banking transactions across the European Economic Area (EEA), as stipulated by the Second or Revised Payment Service Directive (commonly referred to as ‘PSD2’ or simply ‘the Directive’). The study aims to comprehensively analyse the implementation and efficacy of these security measures within the specified jurisdiction. The Directive incorporates fundamental rights and obligations that all stakeholders are compelled to adhere to and delineates specific security measures and standards that both traditional banking institutions and third-party providers (TPP) are mandated to implement. In particular, one of the cardinal mandates for banking and financial institutions under PSD2 is the obligation to facilitate third-party access to customer data via open application programming interfaces (API). While this open banking paradigm and the consequent proliferation of data sharing unquestionably bring about various advantages, such as enhanced consumer choice and market competition, they concurrently expose the financial ecosystem to a slew of potential security vulnerabilities and privacy risks. Upon conducting a comprehensive review of the security requirements and measures stipulated under PSD2 and a comparative analysis with essential cybersecurity frameworks and standards (NIS2, Cybersecurity Act, GDPR, ISO 27001:22 and PCI DSS), we have ascertained a discernible lack of harmonisation and clarity concerning the technical security specifications for its effective implementation. This lacuna substantiates the challenges banks face in fully grasping the extensive spectrum of compliance obligations mandated by PSD2. The aim of this research is to offer a valuable contribution to both the comprehension and the pragmatic deployment of security standards in the context of banking transactions, as regulated by the PSD2. The paper serves as a valuable resource for traditional banking institutions and relevant stakeholders by guiding them through the complexities of PSD2 implementation while also evaluating the effects of the security measures on transactional safeguards, data security, and the provision of payment services.

SECURITY OF PAYMENT TRANSACTIONS: OVERVIEW AND CHARACTERISTICS OF KEY CHANGES IN THE NEW EDITION OF THE PCI DSS STANDARD

This article is devoted to the study of the current state of development of cyber threats in the world and the identification of key areas of ensuring the security of organizations in accordance with the latest practices in the field of cybersecurity. The article highlights the importance of constantly updating and improving cybersecurity strategies in accordance with the latest trends and requirements of today’s digital environment. The main challenges faced by organizations in the field of cybersecurity are investigated, and effective approaches to their resolution are proposed. This approach allows not only to adapt to the constantly changing landscape of cyber threats but also increases the level of protection and reduces risks for organizational systems. The article emphasizes the importance of implementing and using cybersecurity frameworks as an effective tool for ensuring the stability and reliability of systems’ security. The use of such frameworks allows organizations to create a systematic approach to information security management, taking into account modern requirements and industry best practices. This approach helps to ensure the completeness of security measures, which is essential for successfully combating cyber threats in today’s digital environment. The article focuses on the importance of the protection of cardholder data and compliance with the PCI DSS standard. The storage and processing of such data requires a high level of security, as their unauthorized leakage or breach of integrity can lead to serious financial losses for organizations and loss of user trust. The PCI DSS standard establishes requirements for protecting payment information, including defining controls and procedures to prevent unauthorized access to cardholder data. The updated version of the standard, PCI DSS v.4.0, is an important step in the direction of improving security measures and countering modern cyber threats in this area. Its detailed analysis will allow organizations to maintain compliance with new requirements and ensure the security of cardholder card data at a high level.

Evaluation of ICT Security Implementation in Banks: Bangladesh Perspective

Nowadays, banks are the foundation of a strong economy in any country, whereas information and communication technology (ICT) has become the heart of any bank. As a result, one of the major challenges has become ensuring the security of the banks. Whenever ICT security comes up, the foremost thing that needs to be considered is” PAM, PCI DSS, SIEM, and ICT risk management,” which measures are improving immensely day by day. Under the ICT security guidelines of Bangladesh Bank, all banks are implementing many security measures to ensure ICT security standards. This paper mainly emphasis on the implementation of ICT security measures such as PAM, PCI DSS, SIEM, and ICT risk management through surveys from different banks. It also focuses on the challenges and future prospects of ICT security measures

PCI DSS 및 5G 표준 준수에 기반한 차세대 카드 결제 시스템의 보안 요구사항 연구

차세대 5G 네트워크는 초연결성, 초저지연성, 초고속성의 특성을 통해 융합 ICT기술을 접목하 여 활용할 수 있다. 카드 결제 서비스는 혁신성을 바탕으로 성장할 것이며, 5G에 참여하는 결제 시스템 단말 종류는 더욱 다양해질 것이다. 이러한 5G 패러다임 전환 속에서 카드 결제 시스템 과 관련하여 보안 국제표준인 PCI DSS는 4G에 기반한 보안 요구사항으로 5G 표준 항목 간 보 안 괴리가 발생한다. 본 논문은 5G 표준 현황과 결제 시스템에 대해 고찰하여 최신 PCI DSS 표 준 및 가이드라인과 5G 표준 기술문서 내 보안 요구사항에 대한 분석을 선행한다. 인증, 아키텍 처의 변화, 배치 시나리오 관점에서의 분석을 통해, PCI DSS 표준 보안 요구사항의 미비점을 파 악한 뒤 개선 방안을 제시한다. 본 연구 결과를 통해 차세대 PCI DSS 표준을 개선하여 카드소지 자 데이터 환경 및 카드 결제 시스템을 보호함으로써 5G상 안전한 카드 결제 시스템을 구축하는 데 기여할 것으로 기대한다.

Can PCI DSS 4.0 reverse the decline in compliance?

The Payment Card Industry Security Standards Council (PCI SSC) finally released the long-awaited version 4.0 of the PCI Data Security Standard (PCI DSS) at the end of March after three long years of consultation. It's been described as the most substantial update to the standard for 17 years and the Council received unprecedented levels of feedback, with more than 6,000 items from over 200 members of the global payments industry. But what are its effects likely to be?

IMPLEMENTASI PCI-DSS UNTUK KEAMANAN DATA KARTU PEMBAYARAN PADA PT DHARMA LAUTAN NUSANTARA

The quality of service provided by the company must be maintained including providing transaction facilities using a secure credit card so that it can provide the best to customers and aims to increase the sense of trust in the company in making payments using credit cards. The method used to improve information security and corporate networks is to implement network security in accordance with the Payment Card Industry Data Security Standard (PCI-DSS) standard. The method used in this study is to identify data and communications that are the focus of security in compliance with PCI DSS, reduce the scope of security by implementing network segmentation by determining the classification of devices, communication lines and people into three categories based on the presence or absence of a relationship to data. credit cards, namely Cardholder Data Environment (CDE), Shared Network and Corporate Local Area Network. (LAN) Then manage the data communication traffic between the three segments according to compliance with the PCI DSS standard

Towards Secure IoT-Based Payments by Extension of Payment Card Industry Data Security Standard (PCI DSS)

IoT emergence has given rise to a new digital experience of payment transactions where physical objects like refrigerators, cars, and wearables will make payments. These physical objects will be storing the cardholder credentials and will directly make payments with the vendors over insecure public networks. For such payment transactions, government regulations and standards organizations require to implement PCI DSS for adapting similar set of security measures at the global level. The current version of PCI DSS is not suitable for IoT-based payment systems due to characteristics of IoT such as resource-constrained nature of devices and updating software/firmware of so many physical devices. Also, there arises an emergent need of implementing PCI DSS requirements and assessments for security of all stakeholders that store or process the user credentials in a payment. This paper is an initial effort to bring the researcher’s attention to make upcoming versions of PCI DSS suitable for IoT and thus securing the new ways of IoT-based payment systems. The paper has reviewed the traditional payment process along with considerations for IoT-based payment systems to make recommendations to modify the PCI DSS in a suitable way for IoT.

Achieving PCI Compliance with CRM Systems

This paper concentrates on the current approaches to assessing PCI DSS compliance in CRM systems (1). This paper outlines a detailed plan for adopting PCI compliance within CRM solutions by analyzing the simulation reports and real-time observation of cases and issues involving the relevant solutions.

Designing an information security system that ensures compliance with the requirements of the PCI DSS standard by energy sector companies

Designing an information security system that ensures compliance with the requirements of the PCI DSS standard by energy sector companies

ANALYSIS OF SECURITY FRAMEWORKS IMPLEMENTED IN HEI’s

With the increasing use of new information technologies in the activity of HEIs, the need to protect information has emerged. Information security addresses several issues, not just IT. Therefore, in the meantime, it has become mandatory to implement security frameworks that address cyber security as a complex process. Internationally, there are several standardized security frameworks, such as: ISO27001, NIST, COBIT, ITIL, PCI DSS. The purpose of this scientific article was to use grounded-theory method to review scientific journal publications and conference proceedings to identify those security frameworks that are recommended by researchers.

Comparative Analysis and Design of Cybersecurity Maturity Assessment Methodology Using NIST CSF, COBIT, ISO/IEC 27002 and PCI DSS

Data or Information security in today's digital era is crucial in every organization that needs to pay attention. Management of organizational information is one of the components in realizing Good Corporate Governance. The measure of an adequate level of protection is an indicator of the cybersecurity awareness aspects of an organization's business processes in the short, medium, and long term, especially in the field that deals with information and communication technology (ICT). To make this happen, it requires a security standard that is appropriate and follows its needs to help organizations know the maturity level of cybersecurity in protecting its information security. The ABC organization is one of the Government agencies that manage the critical infrastructure and Indonesian digital economies. The organization has currently implemented several international security standards through its planning, implementation, evaluation document, and ICT activities. However, based on the national information security readiness assessment, information security management readiness results are still not optimal. In this study, an analysis of the NIST, ISO 27002, COBIT, and PCI DSS security standards has been carried out, which are ABC organizational security standards in managing ICT by assigned tasks and functions. Furthermore, the analysis result is used as materials for drafting a cybersecurity maturity framework through the four standard approaches that have become the basis for ICT management. The proposed concept of twenty-one integrated cybersecurity categories is expected to be a capital in measure ICT management performance in ABC organizations.

A FORENSIC FIRST LOOK AT A POS DEVICE: SEARCHING FOR PCI DSS DATA STORAGE VIOLATIONS

According to the Verizon 2018 Data Breach Investigations Report, 321 POS terminals (user devices) were involved in about 14% of the 2,216 data breaches in 2017 (Verizon, 2018). These data breaches involved standalone POS terminals as well as associated controller systems. This paper examines a standalone Point-of-Sale (POS) system which is ubiquitous in smaller retail stores and restaurants. An attempt to extract unencrypted data and identify possible violations of the Payment Card Industry Data Security Standard (PCI DSS) requirement to protect stored cardholder data were be made. Persistent storage (flash memory chips) were removed from the devices and their contents were successfully acquired. Information about the device and the code running on it was successfully extracted, although no PCI DSS data storage violations were identified. The confirmation that the POS systems examined keep our payment card information encrypted is welcome news as payment cards are still very much in use in our daily activities.

ANALYSIS OF METHODS DATA SECURITY

The article analyzes the main methods of information protection, from which it is possible to conclude that no method of data protection is ideal for all situations. It is important to choose an enterprise solution that provides comprehensive functionality, a flexible range of data protection options, broad support for platform and data types, and proven success in production implementations. The choice of method of information protection should take into account many circumstances that may arise during the implementation of a particular method. Due to the variety of data generated today, in addition to increasing the number of new platforms, flexibility can be a critical aspect of the data protection solution. A careful review of the requirements should make it easy to compare them with the relevant data protection methods, and it is necessary to make sure that the solution includes everything necessary to meet these requirements. Choosing the right method of information protection becomes much more difficult when more complex environments with many conflicting variables are involved, as it must support several options to provide flexibility to protect and meet data confidentiality, integrity and availability requirements. Only the integrated use of different measures can ensure reliable protection of information, because each method or measure has weaknesses and strengths. In some situations, internal security policies or regulations may forcibly change one method of data protection to another. Today, most standards, such as PCI DSS and HIPAA, allow a combination of the aforementioned methods, but these standards usually lag behind available or new data protection technologies. The set of methods and means of information protection includes software and hardware, protective transformations and organizational measures. A set of such methods, which are focused on protecting information, should protect them depending on whether the information is stored, moved or copied, accessed or used.

Keeping Patient Credit Card and Payment Information on File

Keeping Patient Credit Card and Payment Information on File

Scaling and enhancing data protection for web application data in accordance with PCI DSS, HIPAA/HITECH, FEDRAMP standards

The increase in the number of information web resources is due to the development of technologies for interaction with information, accessibility and ease of use for the consumer, opportunities for automating business processes, saving resources and time for providing services for entrepreneurs. In this paper, an integrated approach is considered regarding the implementation of the mechanisms for solving the above problems in accordance with the requirements of the standards of PCI DSS, HIPAA / HITECH, FEDRAMP. An effective approach for integrating the Amazon S3 cloud storage into web applications written in the Java programming language is proposed. The step-by-step guide to web services implementation will not only effectively scale and protect product data, but also significantly extend the functionality of the web application, use internal analytical tools to monitor user activity, generate reports based on aggregated statistics. The step-by-step guide for integration of web services will not only allow effectively to scale and protect product data, but also significantly expand the functionality of the web application, to use internal analytical tools for monitoring user activity, to generate reports based on collected statistics. The mathematical model of the AES encryption algorithm, implemented in the Amazon cloud environment, is considered to explain the feasibility and relevance of its use. A graph of comparing the speed of the most current encryption algorithms based on the data obtained by conducting research on measuring the amount of time spent on encryption at different data volumes was constructed. This approach will allow software products to meet the requirements of the EU and FISMA data protection directives, improve data scaling by accessibility zones and regions, and enhance data protection through internal Amazon mechanisms such as access control, auditing, network firewall, server-side encryption and the encryption key management infrastructure.