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PCI DSS - Payment Card Industry Data Security Standard -

Payment Card Industry Data Security Standard "PCI DSS" is the global card industry security standard, which is established by five major international payment brands, JCB, American Express, Discover, MasterCard and Visa, to enhance cardmember data and transaction data security.

PCI DSS Helps You

Protect cardholder data and transaction data from hackers and fraudsters

PCI DSS helps you identify vulnerabilities in your systems and procedures so that you can effectively implement security measures to thwart hackers and fraudsters.

Reduce the risk of theft or loss of information

Theft or loss of information can incur enormous costs for investigations, legal advice, public relations and more, as well as damaging customer confidence and sales volume. PCI DSS helps reduce the risk of potential theft or loss that could have a significant impact on your business.

PCI DSS stipulates 12 requirements to be complied with.

Build and Maintain a Secure Network

Requirement 1 : Install and maintain a firewall configuration to protect cardholder data
Requirement 2 : Do not use vendor-supplied defaults for system passwords and other security parameters

Protect Cardholder Data

Requirement 3 : Protect stored cardholder data
Requirement 4 : Encrypt transmission of cardholder data across open, public networks.

Maintain a Vulnerability Management Program

Requirement 5 : Use and regularly update anti-virus software
Requirement 6 : Develop and maintain secure systems and applications

Implement Strong Access Control Measures

Requirement 7 : Restrict access to cardholder data by business need-to-know
Requirement 8 : Assign a unique ID to each person with computer access
Requirement 9 : Restrict physical access to cardholder data

Regularly Monitor and Test Networks

Requirement 10 : Track and monitor all access to network resources and cardholder data
Requirement 11 : Regularly test security systems and processes

Maintain an Information Security Policy

Requirement 12 : Maintain a policy that addresses information security


You can download PCI DSS.

JCB Data Security Program

JCB provides a program called JCB Data Security Program, which helps to protect cardmember data and transaction data.

JCB requires Licensees to ensure that the Licensees themselves, TPPs, IPSPs and Merchants with access to cardmember data and transaction data comply with the JCB Data Security Program.

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