The PCI DSS is a multifaceted security standard that includes requirements for security management, policies, procedures, network architecture, software design and other critical protective measures. This comprehensive standard is intended to help organizations proactively protect customer account data.
The PCI Security Standards Council will enhance the PCI DSS as needed to ensure that the standard includes any new or modified requirements necessary to mitigate emerging payment security risks, while continuing to foster wide-scale adoption.
Ongoing development of the standard will provide for feedback from the Advisory Board and other participating organizations. All key stakeholders are encouraged to provide input, during the creation and review of proposed additions or modifications to the PCI DSS.
The core of the PCI DSS is a group of principles and accompanying requirements, around which the specific elements of the DSS are organized:
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
