Glossary
What do the technical terms mean
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Payment does not have to be complicated. However, there are technical terms that are often not common.
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Payment Card Industry
PCI is a globally valid, strict standard for technical, legal and organizational data security. The credit card organizations (e.g. VISA, MasterCard) have developed a uniform, global security and auditing standard called "Payment Card Industry (PCI) Data Security Standard".
PCI testing
PCI is a standard developed from the Visa Account Information Security Program (AIS/CISP), Mastercard Site Data Protection Program (SDP), American Express Security Operating Policy (DSOP), Discover Information Security and Compliance (DISC), and JCB Security Rules.
Businesses seeking certification must use a service provider approved by the credit card organizations for PCI testing and certification. Depending on the business model and number of transactions, certification requirements such as self-inspection, self-disclosure and network investigation are repeated annually.
Das PCI Zertifikat
To be able to obtain the PCI certificate, the following regulations must be complied with:
- Installation and maintenance of a firewall to protect data.
- Changing passwords and other security settings after factory shipment.
- Protecting the stored data of credit card holders.
- Encrypted transmission of sensitive data of credit card holders in public computer networks.
- Use and regular update of anti-virus programs.
- Development and maintenance of secure systems and applications
- Restrict data accesses to what is necessary
- Assigning a unique user ID for each person with computer access.
- Restricting physical access to credit cardholder data.
- Logging and auditing all access to credit cardholder data.
- Regular audits of all security systems and processes
- Implement and adhere to policies related to information security.