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PCI ISA Fundamentals Questions and Answers 100% Solved
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PCI ISA Fundamentals
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PCI ISA FundamentalsMethods identified as being used to remove stolen data from the environments: -
answer- Use of stolen credentials to access the POS environment
- Outdated patches or poor system patching processes
- The use of default or static vendor credentials / brute force
- POS skimming malware being installed on POS controllers
- POI physical skimming devices
95% of breaches feature - answer The use of stolen credentials leveraging vendor
remote access to hack into customers POS environments.
Skimming - answerCopying payment card numbers either by tampering with:
- POS Devices
- ATMs
- Kiosks
Or by copying the card's magnetic stripe manually using handheld skimmers.
Phishing - answerReconnaissance
- Information gathering from various online sources and social networking sites
- Business applications and software
Social Engineering
- Phishing emails or messages coming from a target's social network
- Phone call from an assumed known entity
Break-In
- Delivery through email
- Software vulnerabilities
Common methods for monetizing stolen card data: - answer- Skimmed full track data
and transaction information used to replicate a physical payment card, which can then
be used for fraudulent transactions in face-to-face environments, or ATM transactions
- Captured cardholder data is used where card-not-present transactions are accepted,
such as e-commerce or mail-order / telephone order (MO/TO) transactions
- Stolen cardholder data and sensitive authentication data are sold in bulk to other
criminals who perform their own fraud using the stolen data
Commonly targeted industries - answer- Retail - 45% of breaches
,- Food and Beverage - 24% of breaches
- Hospitality - 9% of breaches
- Financial Services - 7% of breaches
- Nonprofit - 3%
PCI SSC founding payment brands include: - answer- American Express
- Discover Financial
- JCB International
- MasterCard
- Visa, Inc.
PCI DSS: - answerCovers security of the environments that store, process, or transmit
account data
- Environments receive account data from payment applications and other sources
(e.g., acquirers)
PCI PA-DSS - answerCovers secure payment applications to support PCI DSS
compliance
Payment application receives account data from PIN-entry devices (PEDs) or other
devices and begins payment transaction
PCI P2PE - answerCovers encryption, decryption, and key management requirements
for point-to-point encryption solutions
PCI PTS - POI - answerCovers the protection of sensitive data at point-of-interaction
devices and their secure components, including cardholder PINs and account data, and
the cryptographic keys used in connection with the protection of that cardholder data
PCI PTS - PIN Security - answerCovers secure management, processing and
transmission of personal identificationnumber (PIN) data during online and offline
payment card transaction processing
PCI PTS - HSM - answerCovers physical, logical and device security requirements for
securing Hardware Security
Modules (HSM)
PCI Card Production - answerCovers physical and logical security requirements for
systems and business processes
PA-DSS applies to third party payment applications if? - answerAn application performs
authorization and/or settlement (POS, shopping carts, etc.)
PA-DSS ensures a payment application can function in a PCI DSS compliant manner -
answer- To support the PCI DSS compliance of those that use the application
,- Use of a PA-DSS application alone does not guarantee PCI DSS compliance
Are PA-DSS applications in scope for PCI DSS? - answerYes
PA DSS assessor must validate that payment application is installed: - answer- Per
instructions in the PA-DSS Implementation Guide provided by payment application
vendor
- In a PCI DSS compliant manner
A PCI P2PE solution must include all of the following: - answer- Secure encryption of
payment card data at the point-of-interaction (POI)
- Validated application(s) at the point-of-interaction
- Secure management of encryption and decryption devices
- Management of the decryption environment and all decrypted account data
- Use of secure encryption methodologies and cryptographic key operations, including
key generation, distribution, loading/injection, administration and usage
Merchants may be able to reduce their PCI DSS scope when using Council-listed P2PE
solutions - answer- Merchant has no access to account data within encryption device
(POI) or decryption environment (at Solution Provider)
- Merchant has no involvement in encryption or decryption operations, or cryptographic
key management
- All cryptographic operations managed by third party Solution Provider
PTS requirements apply to: - answerPoint of Interaction (POI) devices; Encrypting PIN
Pads (EPP); Point of Sale devices (POS); Hardware (or host) Security Modules (HSMs);
Unattended Payment Terminals, (UPTs) and non-PIN Entry module
The PTS program ensures - answerTerminals cannot be manipulated or attacked to
allow the capture of Sensitive Authentication data, nor allow access to clear-text PINs or
Keys
The Secure Read and Exchange Module, (SRED) - answerAllows terminals to be
approved for the secure encryption of cardholder data as part of the Point to Point
Encryption program
PTS has been extended to allow - answerNon-PIN entry modules to be evaluated
against the SRED module to allow secure encryption at the point of interaction for non-
chip and PIN cards
PCI PIN Security Requirements - answerThese requirements provide for secure PIN:
- management
- processing
- transmission
, Protection of personal identification number (PIN) data during online and offline
payment card transaction processing at:
- ATMs
- attended point-of-sale (POS) terminals
- unattended point-of-sale (POS) terminals
The requirements also provide guidance on key management and key handling
associated with the PIN
PCI PTS - POI and PCI DSS - answer- PCI DSS requires that account data be
protected both when stored and when transmitted across open, public networks
- PCI PTS POI validates how POIs protect PIN and account data and manage
cryptographic keys
- PCI PTS POI-approved devices may form part of a PCI DSS-compliant environment
PCI PTS - PIN Security Standard and PCI DSS - answer- PCI DSS prohibits storage of
encrypted PIN blocks
- No overlap
PCI Card Production and PCI DSS - answer- No overlap
- Procedures for assessing card production facilities are defined and managed by the
payment brands, not by PCI SSC
PCI PTS - HSM and PCI DSS - answer- PCI DSS requires that stored cardholder data
be protected and cryptographic keys be managed in a secure manner
- Use of a Hardware Security Module is not required by PCI DSS, but may help with
handling and managing keys used to protect stored cardholder data
Payment Industry Terminology - answerCardholder
- Customer purchasing goods either as a "Card Present" or "Card Not Present"
transaction
- Receives the payment card and bills from the issuer
Issuer
- Bank or other organization issuing a payment card on behalf of a Payment Brand (e.g.
MasterCard & Visa)
- Payment Brand issuing a payment card directly (e.g. Amex, Discover, JCB)
Merchant
- Organization accepting the payment card for payment during a purchase
Acquirer
- Bank or entity the merchant uses to process their payment card transactions
- Receive authorization request from merchant and forward to Issuer for approval
- Provide authorization, clearing and settlement services to merchants
Acquirer is also called:
- Merchant Bank
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