PCI DSS 3.0 compliance deadline approaches. Will it make any difference?

Taylor Armerding

That, he said, is neither difficult nor expensive to change. It just takes a different mindset. "I lock my car door every day, not just Monday, Wednesday and Friday," he said.

PCI DSS Requirements
The PCI Data Security Standard has 12 requirements to provide a "baseline of technical and operational requirements designed to protect cardholder data."

They are as follows:

Build and Maintain a Secure Network and Systems
1. Install and maintain a firewall configuration to protect cardholder data

2. Do not use vendor-supplied defaults for system passwords and other security parameters 

Protect Cardholder Data
3. Protect stored cardholder data

4. Encrypt transmission of cardholder data across open, public networks

Maintain a Vulnerability Management Program
5. Protect all systems against malware and regularly update anti-virus software or programs

6. Develop and maintain secure systems and applications

Implement Strong Access Control Measures
7. Restrict access to cardholder data by business need to know

8. Identify and authenticate access to system components

9. Restrict physical access to cardholder data 
Regularly Monitor and Test Networks

10. Track and monitor 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 for all personnel

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