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PCI - DSS EXAM (284) QUESTIONS WITH CORRECT ANSWERS
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PCI - DSS EXAM (284) QUESTIONS WITHCORRECT ANSWERS 2024-2025
-Customer buying items through a "Card Present" or "Card Not Present"
transaction
-Receives the payment card and bills from the issuer, ANSWER Cardholder
-Primary Account Number (PAN).
-Cardholder's Name
-The expiration date
-Service Code - Answer Cardholder Data Contains:
-Complete track data (Magnetic-stripe data or equivalent on a chip).
-CAV2/CVC2/CVV2/CID
-PINs/PIN blocks- ANSWER Sensitive Authentication Data includes:
American Express
Discover
JCB International
MasterCard
Visa - ANSWER Payment Brand
-A bank or other company providing a payment card on behalf of a payment brand
(e.g., MasterCard, Visa).
,-Payment Brand directly issues a payment card (e.g., Amex, Discover, JCB) -
ANSWER Issuer
ANSWER Merchant is an organization that accepts payment cards for purchases.
*Payment card transactions are processed by the merchant's bank or company.
*Receive permission request from merchant and forward it to Issuer for approval.
*Offer authorization, clearing, and settlement services to retailers
*Acquirer is also known
-- Merchant Bank.
--ISO
--Payment Brand: Amex, Discover, and JCB
--Acquirer: Never used Visa or MasterCard.
*The acquirer is responsible for merchant compliance.
--Understand payment brand compliance programs and how they apply to
merchants.
--Ensure that their merchants understand PCI DSS compliance rules and monitor
compliance activities.
--Manage merchant communications.
*Work with merchants until compliance is certified.
,--Merchants are not compliant until all relevant standards are met and validated.
--The acquirer is responsible for reporting merchant compliance status to payment
brands.
*Assume any liability that may result from non-compliance with payment brand
compliance policies (ANSWER Common Acquirer Responsibilities).
*A service provider is a non-payment brand that directly processes, stores, or
transmits cardholder data on behalf of another organization.
-Occasionally, a service provider is a merchant.
*Service Providers also include firms that provide services (to merchants, service
providers, or other entities), who control or potentially impact the security of
cardholder data.
1. Install and maintain a firewall setup to secure cardholder data.
2. Avoid using vendor-supplied defaults for system passwords and other security
parameters (ANSWER Standard 1: Build and Maintain a Secure Network and
Systems).
3. Safeguard stored cardholder data.
, 4. Encrypt cardholder data transmission over open, public networks (ANSWER
Standard 2: Protect Cardholder Data).
5. Ensure that all computers are protected against malware and that anti-virus
software or programs are constantly updated.
6. Develop and maintain secure systems and applications. ANSWER Standard 3:
Maintain a vulnerability management program.
7. Limit access to cardholder data to businesses that need to know.
8. Determine and authenticate access to system components.
9. Limit physical access to cardholder data - ANSWER Standard 4: Use Strong
Access Control Measures
10. Monitor all access to network resources and cardholder data.
11. Test security systems and processes on a regular basis - ANSWER Standard 5:
Monitoring and Testing Networks
12. Maintain an information security policy for all people (ANSWER Standard 6).
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