Visa Europe revealed important stats about the usage of Contactless Cards. Poland, Spain and the UK use this payment methd the most, with UK usage growing by 300% year over year.
Job done! As previously announced, the PCI Council has released PCI DSS 3.2, the new version the Payment Card Industry Data Security Standard (PCI DSS). The news was spread yesterday 28th of April 2016. A few changes have been brought to the Data Security Standard (one of the major ones is the introduction of the Designated Entities Supplemental Validation criteria - DESV as an appendix to the standard) together with the creation of new requirements and additional guidance for existing ones.
As Troy Leach stated,
Companies should adopt the standard as soon as possible to prevent, detect and respond to cyberattacks that can lead to payment data breaches. Version 3.1 will expire on 31 October 2016. However, all new requirements are best practices until 1 February, 2018 to allow organizations an opportunity to prepare to implement these changes.
This PCI DSS 3.2 Resource Guide is a handy document that answers some of the main question that you might have about the latest update. Worth reading!
Without further speaking, let's take a look at what are the improvements of this latest version of the PCI standard.
|PCI DSS 3.1||PCI DSS 3.2||Change||Type of change|
|All||All||Addressed minor typographical errors (grammar, punctuation, formatting, etc.) and incorporated minor updates for readability throughout the document.||Clarification|
|Relationship between PCI DSS and PA-DSS||Relationship between PCI DSS and PA-DSS||Added guidance that security threats are constantly evolving, and payment applications that are not supported by the vendor may not offer the same level of security as supported version.||Additional
|Scope of PCI DSS Requirements||Scope of PCI DSS Requirements||Clarified that backup/recovery sites need to be considered when confirming PCI DSS scope.||Clarification|
|Best Practices for Implementing PCI DSS into Business- as-Usual Processes||Best Practices for Implementing PCI DSS into Business- as-Usual Processes||Updated Note to clarify that some business-as-usual principles may be requirements for certain entities, such as those defined in the Designated Entities Supplemental Validation (Appendix A3).||Clarification|
|PCI DSS Versions||New section to describe how this version of PCI DSS impacts the previously-effective version.||Additional
|General||General||Removed examples of “strong” or “secure” protocols from a number of requirements, as these may change at any time.||Clarification|
|General||General||Moved examples from a number of requirements and/or testing procedures to the Guidance column, and added guidance where appropriate.||Clarification|
|General||General||Changed “passwords/phrases” to “passwords/passphrases” in a number of requirements for consistency.||Clarification|
|General||General||Clarified correct term is multi-factor authentication, rather than two-factor authentication, as two or more factors may be used.||Clarification|
|General||General||Removed notes from requirements referring to an effective date of July 1, 15%5, as these are now effective. Affected requirements are 6.5.10, 8.5.1, 9.9, 11.3, and 12.9.||Clarification|
|PCI DSS 3.1||PCI DSS 3.2||Change||Type of change|
|1.1.6||1.1.6||Clarified that approval of business use is included in the justification. Removed examples of “insecure” protocols as these may change in accordance with industry standards.||Clarification|
|1.2.1||1.2.1||Added guidance to clarify intent of requirement.||Clarification|
|1.3||1.3||Added guidance to clarify intent of requirement.||Clarification|
|1.3.3||Removed requirement as intent is addressed via other requirements in 1.2 and 1.3.||Clarification|
|1.3.4 – 1.3.8||1.3.3 – 1.3.7||Renumbered due to removal of former Requirement 1.3.3.||Clarification|
|1.3.6||1.3.5||Updated to clarify intent of requirement rather than use of a particular type of technology.||Clarification|
|1.4||1.4||Increased flexibility by including or equivalent functionalityas alternative to personal firewall software. Clarified requirement applies to all portable computing devices that connect to the Internet when outside the network and that also access the CDE.||Clarification|
|2.1||2.1||Clarified requirement applies to payment applications.||Clarification|
|2.2.3||2.2.3||Removed note and testing procedures regarding removal of SSL/early TLS and moved to new Appendix A2.||Clarification|
|2.3||2.3||Removed note and testing procedures regarding removal of SSL/early TLS and moved to new Appendix A2. Removed reference to “web-based management” as requirement already specifies “all non-console administrative access”, which by definition includes any web-based access.||Clarification|
|3.3||3.3||Updated requirement to clarify that any displays of PAN greater than the first six/last four digits of the PAN requires a legitimate business need. Added guidance on common masking scenarios.||Evolving Requirement|
|3.4.d||3.4.d||Updated testing procedure to clarify the examination of audit logs includes payment application logs.||Clarification|
|3.4.1||3.4.1||Added note to requirement to clarify the requirement applies in addition to all other PCI DSS encryption and key management requirements.||Clarification|
|3.5.1||New requirement for service providers to maintain a documented description of the cryptographic architecture. Effective February 1, 2018.||Evolving Requirement|
|3.5.1 – 3.5.3||3.5.2 – 3.5.4||Renumbered due to addition of new Requirement 3.5.1.||Clarification|
|3.6.1.b||3.6.1.b||Updated testing procedure language to clarify testing involves observation of procedures rather than key-generation method itself, as this should not be observable. Added guidance referring to Glossary definition for “Cryptographic Key Generation”||Clarification|
|4.1||4.1||Removed note and testing procedures regarding removal of SSL/early TLS and moved to new Appendix A2.||Clarification|
|6.2||6.2||Added clarification to Guidance column that requirement to patch all software includes payment applications.||Clarification|
|6.4.4||6.4.4||Updated requirement to align with testing procedure.||Clarification|
|6.4.5||6.4.5||Clarified that change control processes are not limited to patches and software modifications.||Clarification|
|6.4.6||New requirement for change control processes to include verification of PCI DSS requirements impacted by a change. Effective February 1, 2018.||Evolving Requirement|
|6.5||6.5||Clarified that training for developers must be up to date and occur at least annually.||Clarification|
|6.5.a – 6.5.d||6.5.a – 6.5.c||Removed Testing Procedure 6.5.b and renumbered remaining testing procedures to accommodate.||Clarification|
|7.2||7.2||Updated requirement, testing procedures and Guidance column to clarify that one or more access control systems may be used.||Clarification|
|Requirement 8||Requirement 8||Added note to Requirement 8 introduction that the authentication requirements do not apply to accounts used by consumers (e.g. cardholders).||Clarification|
|8.1.5||8.1.5||Clarified requirement intended for all third parties with remote access, rather than only vendors.||Clarification|
|8.2.3||8.2.3||Updated Guidance column to reflect changing industry standards.||Clarification|
|8.3||8.3||Clarified correct term is multi-factor authentication rather than two-factor authentication, as two or more factors may be used.||Clarification|
|8.3||8.3, 8.3.1, 8.3.2||Expanded Requirement 8.3 into sub- requirements, to require multi-factor authentication for all personnel with non-console administrative access, and all personnel with remote access to the CDE. New Requirement 8.3.2 addresses multi-factor authentication for all personnel with remote access to the CDE (incorporates former Requirement 8.3). New Requirement 8.3.1 addresses multi-factor authentication for all personnel with non-console administrative access to the CDE. Requirement 8.3.1 effective February 1, 2018.||Evolving Requirement|
|9.1.1||9.1.1||Clarified that either video cameras or access controls mechanisms, or both, may be used.||Clarification|
|9.5.1.a – 9.5.1.b||9.5.1||Combined testing procedures to clarify that assessor verifies the storage location is reviewed at least annually.||Clarification|
|10.8, 10.8.1||New requirement for service providers to detect and report on failures of critical security control systems. Effective February 1, 2018.||Evolving Requirement|
|10.8||10.9||Renumbered due to addition of new Requirement 10.8.||Clarification|
|11.2.1||11.2.1||Clarified that all “high risk” vulnerabilities must be addressed in accordance with the entity’s vulnerability ranking (as defined in Requirement 6.1), and verified by rescans.||Clarification|
|11.3.4||11.3.4||Added Testing Procedure 11.3.4.c to confirm penetration test is performed by a qualified internal resource or qualified external third party.||Clarification|
|18.104.22.168||New requirement for service providers to perform penetration testing on segmentation controls at least every six months. Effective February 1, 2018.||Evolving Requirement|
|11.5.a||11.5.a||Removed “within the cardholder data environment” from testing procedure for consistency with requirement, as requirement may apply to critical systems located outside the designated CDE.||Clarification|
|12.3.3||12.3.3||Reformatted testing procedure for clarity.||Clarification|
|12.4||New requirement for service providers’ executive management to establish responsibilities for the protection of cardholder data and a PCI DSS compliance program. Effective February 1, 2018.||Evolving Requirement|
|12.4||12.4.1||Renumbered due to addition of new Requirement 12.4.||Clarification|
|12.6||12.6||Clarified intent of security awareness program is to ensure personnel are aware of the cardholder data security policy and procedures.||Clarification|
|12.8.1||12.8.1||Clarified that the list of service providers includes a description of the service provided.||Clarification|
|12.8.2||12.8.2||Added guidance that service provider responsibility will depend on the particular service being provided and the agreement between the two parties.||Additional Guidance|
|12.10.2||12.10.2||Clarified that review of the incident response plan encompasses all elements listed in Requirement 12.10.1.||Clarification|
|12.11, 12.11.1||New requirement for service providers to perform reviews at least quarterly, to confirm personnel are following security policies and operational procedures. Effective February 1, 2018.||Evolving Requirement|
|PCI DSS 3.1||PCI DSS 3.2||Change||Type of change|
|Appendix A||Appendix A1||Renumbered Appendix “Additional PCI DSS Requirements for Shared Hosting Providers” due to inclusion of new appendices.||Clarification|
|Appendix A2||New Appendix with additional requirements for entities using SSL/early TLS, incorporating new migration deadlines for removal of SSL/early TLS.||Clarification|
|Appendix A3||New Appendix to incorporate the “Designated Entities Supplemental Validation” (DESV), which was previously a separate document.||Clarification|
As Troy Leach correctly states,
Analysis of recent cardholder data breaches and PCI DSS compliance trends reveal that many organizations view PCI DSS compliance as an annual exercise and do not have processes in place to ensure that PCI DSS security controls are continuously enforced.
While organisations struggle to keep their compliance under control, the PCI DSS evolves adding complexity and tasks. It is important to understand the standard, the changes and their impact on your organisation, but it is even more crucial to practice the PCI DSS on a daily basis. Clear scoping, the creation of an awareness program, daily and recurrent tasks...those are some of the most important aspect to take under consideration when you run a business that makes you responsible for your customers' payment data.
Download the Summary of Changes from PCI DSS Version 3.1 to 3.2 and make sure you discuss it with your QSA to find out more about the impact of these changes on your organisation and comply with PCI DSS 3.2.
Marketing Director at Advantio. The articles published in the Advantio Blog have the goal of supporting our mission: making IT Security simple for everyone.
My intention is to discuss IT Security related topics with the eyes of a non technical person, speaking a simple language and trying to show to the readers the benefit of IT Security best practices.