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AQSA exam questions with correct answers
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AQSA exam questions with correct answers
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AQSA exam questions with correctanswers
Malware - ANSWER: ➡ Criminals use malicious software to infiltrate a computer system and steal
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payment data
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Phishing - ANSWER: ➡ An attack that sends an email or displays a Web announcement that falsely
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claims to be from a legitimate enterprise in an attempt to trick the user into surrendering private
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information
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Remote Access - ANSWER: ➡ Criminals can gain access to systems that store, process, or transmit
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payment data through weak remote access controls
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Weak Password - ANSWER: ➡ A password that can easily be broken and compromises security.
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Outdate Software - ANSWER: ➡ Criminals look for outdated software to exploit flaws in unpatched
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systems
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Online Skimming - ANSWER: ➡ Attacks that infect e-commerce websites with malicious code, known
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as sniffers and are very difficult to detect
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Physical Skimming - ANSWER: ➡ Physical skimming is the method of collecting cardholder data by
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attaching small hardware devices to Point of Sales Systems.
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Importance of Securing Payment Account Data - ANSWER: ➡ - Cardholders may be liable for
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unauthorized charges
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- Merchants may face fines, legal fees, and damage to their reputations
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- Negative impact on consumer trust and conifdene
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- Loss of revenue and market share
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,How Payment Security Protects the Industry - ANSWER: ➡ - Prevents Financial Losses
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- Nurtures Customer Trust
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- Maintains Reputation
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Types of Data On a Payment Card - ANSWER: ➡ - Chip
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- Card Verification Code
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- Primary Account Number (PAN)
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- Expiration Date
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- Magnetic Stripe
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- Signature Strip
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- Card Verification Code
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Account Data That May Be Stored After Authorization - ANSWER: ➡ - Primary Account Number (PAN)
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- Cardholder Name
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- Expiration Date
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- Service Code
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Account Data That May NOT Be Stored After Authorization - ANSWER: ➡ - Full Track Data
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- Card Verification Code
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- Pin / Pin Block
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Cardholder - ANSWER: ➡ Is the customer making a purchase from the merchant. This could be a card-
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present or card-no-present transaction.
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Merchant - ANSWER: ➡ Is the Organization accepting payment from the cardholder during a
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purchase. The merchant sends payment transaction data to their acquirer
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Acquirer - ANSWER: ➡ Sends payment transaction data through the payment network to the issuer
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, Payment Brand Network - ANSWER: ➡ Facilitates the payment transaction between the merchant's
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acquirer and the issuer
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Issuer - ANSWER: ➡ Issues the card to the card holder. Each time the cardholder makes a purchase, the
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issuer notifies the merchant's acquirer whether the transaction have been authorized or declined
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Third Party Service Providers - ANSWER: ➡ A company or organization directly involved in the
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processing, storage, or transmission of payment account data on behalf of another entity
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Process of Authorization - ANSWER: ➡ 1. Cardholder
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2. Merchant
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3. Acquirer
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4. Payment Brand Network
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5. Issuer
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Process of Clearing - ANSWER: ➡ 1. Acquirer sends purchase information to the Payment Brand
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Network
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2. Payment Brand Network sends the information to the Issuer
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3. Issuer confirms and Payment Brand Network sends completed transaction details back to the
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acquirer
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Process of Settlement - ANSWER: ➡ 1. Issuer identifies the acquirer through the Payment Brand
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Network
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2. Issuer sends payment to the acquirer
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3. The Acquirer pays the merchant the money
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4. Issuer bills the cardholder
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PCI SSC - ANSWER: ➡ PCI Security Standards Council
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PCI Security Standards Council - ANSWER: ➡ This council is responsible for the development and
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management of the Payment Card Industry Security Standards, most notably the PCI Data Security
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Standard.
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