Welcome!

Machine Learning Authors: Pat Romanski, Madhavan Krishnan, VP, Cloud Solutions, Virtusa, Liz McMillan, William Schmarzo, Jnan Dash

Related Topics: @CloudExpo, Java IoT, Microservices Expo, Containers Expo Blog, Machine Learning , Cloud Security

@CloudExpo: Article

PCI Compliance for Retailers from the Cloud Perspective

Looking at individual PCI requirements and how they are addressed from the cloud

One of the key drivers to IT security investment is compliance. Several industries are bound by various mandates that require certain transparencies and security features. They are designed to mitigate aspects of risk including maintaining the sacrosanctity of customer information, financial data and other proprietary information.

One such affected vertical is retail. No matter if you’re Wal-Mart or Nana’s Knitted Kittens, if you store customer information; if you process payments using customer’s credit cards, you are required by law to comply with a variety of security standards. Although there are several auditing agencies and mandating bodies, today we will concentrate on the one compliance agency that is typically applicable to every retailer-PCI.

PCI (Payment Card Industry) enforces Data Security Standards that looks to ensure that ALL companies that process, store or transmit credit card information maintain a secure environment. Now of course, not all merchants are created equal. Nana obviously doesn’t process the volume or the dollar amount of a national or even a high traffic regional retailer. However, this doesn’t let Nana off the hook. Her online shopping cart still needs to be Payment Application DSS validated (PCI compliant). She still is required to pass security audits of her network…just not as often.

But for the sake of this example, let’s assume you are a retailer who processes more than 20,000 transactions a year and the administrative burden of PCI is a real concern. In fact, it is a business necessity to maintain merchant accounts with VISA, American Express and MasterCard. And it is hugely important to keep the confidence of your customers. Fines for non-compliance aside, a breach of your network could cost millions of dollars. And that doesn’t begin to calculate the cost of customer defection through loss of trust.

Most, if not all, retailers have some sort of PCI monitoring in place. However, they are often cumbersome, expensive and resource heavy. Additionally, too many retail organizations don’t employ a compliance officer, much less a dedicated security person. This doesn’t mean these functions aren’t part of someone’s job description. Typically, they are yet another line item in a plethora of competing priorities and mission critical initiatives. In that security can be considered a cost center, the move to simply do the bare minimum to meet compliance is often an attractive alternative. Until now. Until the cloud. More specifically, a holistic enterprise security initiative deployed and managed from the cloud.

So how does cloud-based security/security-as-a-service meet the requirements of PCI while driving down costs, freeing up personnel resources and providing an easy-yet-comprehensive suite of capabilities and functions?

The easiest way to illustrate the potential is to look at the individual PCI requirements and how they are addressed from the cloud:

1. Protect Data: A cloud-based SIEM offering can accomplish the most important feature of this requirement: the ability to instantly recognize any change, intrusion or activity to your firewall IN REAL TIME. That’s the key. There isn’t the lag of looking at all the logs a week later when the damage has been done, or not being able to tell a suspicious action from a white noise false positive. Whereas many SIEM products can do just this, ones from the cloud provide the additional benefit of 7/24/365 monitoring across the entire enterprise. And, you get a scope of visibility of Fortune 500 class protection for literally pennies on the dollar.

2. No vendor-supplied defaults for system passwords and other security parameters: This process is typically enforced by an identity management protocol. The system includes a password management and synchronization feature. The overarching benefit here is SIEM and identity management are two separate functions from two separate applications. However, applying a holistic solution from the cloud gives you the additional flexibility to recognize new accounts, check device configurations and know when and where configurations have deviated from your standards including the entry of too many incorrect passwords

3. Protect cardholder data: Not only are you required to protect and store data, but ensure encryption of any transmission of that data across public networks. The application of situational awareness is  an effective means of capturing, encrypting and storing (and destroying) certain pieces of information and then providing the auditing regulatory agency with proof that your best practices are in line with internal and external policies. This is the heart of your security and should be treated as such. For instance an immediate alert can be escalated if anyone pings the server in which your data is stored and you can instantly move to block them out or allow access depending on their internally designed permissions.

4. Maintain a Vulnerability Management Program: This includes securing SaaS applications and regularly updating anti-virus software. Again the answer is in the clouds. Single sign on and web authentication can tie together all the permissible applications and provide user provisioning. What makes this especially valuable in the cloud is the speed in which connectors can be created and distributed to only those who require the application. For instance, shipping doesn’t need to see the HR applications and marketing doesn’t require access to inventory programs.

5. Implement strong access control methods: As PCI specifically says access to personal and sensitive data is on a “Business need to know,” cloud-based identity managementprovides control and creates specific provisioning on who can see what and have access to which data. It gives you the visibility and the audit reports to show who accessed what, when and from what device.  Again, the cloud version of this solution ties it together with all the other security solutions giving it true enterprise context.

6. Collect logs and applications impacted by PCI: Log management is one of the most time intensive aspects of security. Not only do the logs need to be collected, but they also need to be studied for traffic patterns, suspicious anomalies, improper or failed access and create an audit trail for card processing systems. An automated system can only do so much and most organizations don’t spend a great deal of man hours scouring millions of lines of machine code. That’s where log management from the cloud is a huge time and asset saver. Not only does it have the automation to review and categorize this code, but security-as-a-service provides the additional human expertise to piece together the situational awareness from multiple silos to give a true report of the security of the enterprise. It’s like having an expert analyst on staff without the associated costs. And of course, those logs can be archived in accordance with PCI requirements for 1 year.

PCI is just one agency with its strict set of requirements. Now imagine the cost and personnel savings  when having to comply with multiple agencies. A VP of Ops from a nationally recognized retail company told me he deals with six agencies on a regular basis. Without a holistic and centralized security approach, he would waste endless hours through redundant reporting. With the application of security centralization, 75 hours per month becomes 10. And more importantly, the degree of accuracy of the reporting is significantly better.

In the above six line items, I described four or five different solutions. That in itself can be a heavy investment...unless you look at layering in the cloud. If you are inclined, there is a growing best practice platform of unified security whereby a company can achieve all these goals by leveraging all the solutions into one single source managed from the cloud (cost-effective, enterprise-powered and compliance -ready). But, that is enough ammunition for several other blogs...so keep posted.

So if compliance is one of your banes of business, maybe it’s time you took a deeper look at the cloud.

Kevin Nikkhoo
Always PCI compliant! (HIPAA compliant too. And CIP, and SOX, GLBA and many, many others!)
www.CloudAccess.com

More Stories By Kevin Nikkhoo

With more than 32 years of experience in information technology, and an extensive and successful entrepreneurial background, Kevin Nikkhoo is the CEO of the dynamic security-as-a-service startup Cloud Access. CloudAccess is at the forefront of the latest evolution of IT asset protection--the cloud.

Kevin holds a Bachelor of Science in Computer Engineering from McGill University, Master of Computer Engineering at California State University, Los Angeles, and an MBA from the University of Southern California with emphasis in entrepreneurial studies.

@CloudExpo Stories
SYS-CON Events announced today that CrowdReviews.com has been named “Media Sponsor” of SYS-CON's 22nd International Cloud Expo, which will take place on June 5–7, 2018, at the Javits Center in New York City, NY. CrowdReviews.com is a transparent online platform for determining which products and services are the best based on the opinion of the crowd. The crowd consists of Internet users that have experienced products and services first-hand and have an interest in letting other potential buye...
The question before companies today is not whether to become intelligent, it’s a question of how and how fast. The key is to adopt and deploy an intelligent application strategy while simultaneously preparing to scale that intelligence. In her session at 21st Cloud Expo, Sangeeta Chakraborty, Chief Customer Officer at Ayasdi, provided a tactical framework to become a truly intelligent enterprise, including how to identify the right applications for AI, how to build a Center of Excellence to oper...
"IBM is really all in on blockchain. We take a look at sort of the history of blockchain ledger technologies. It started out with bitcoin, Ethereum, and IBM evaluated these particular blockchain technologies and found they were anonymous and permissionless and that many companies were looking for permissioned blockchain," stated René Bostic, Technical VP of the IBM Cloud Unit in North America, in this SYS-CON.tv interview at 21st Cloud Expo, held Oct 31 – Nov 2, 2017, at the Santa Clara Conventi...
SYS-CON Events announced today that Telecom Reseller has been named “Media Sponsor” of SYS-CON's 22nd International Cloud Expo, which will take place on June 5-7, 2018, at the Javits Center in New York, NY. Telecom Reseller reports on Unified Communications, UCaaS, BPaaS for enterprise and SMBs. They report extensively on both customer premises based solutions such as IP-PBX as well as cloud based and hosted platforms.
In his session at 21st Cloud Expo, James Henry, Co-CEO/CTO of Calgary Scientific Inc., introduced you to the challenges, solutions and benefits of training AI systems to solve visual problems with an emphasis on improving AIs with continuous training in the field. He explored applications in several industries and discussed technologies that allow the deployment of advanced visualization solutions to the cloud.
While some developers care passionately about how data centers and clouds are architected, for most, it is only the end result that matters. To the majority of companies, technology exists to solve a business problem, and only delivers value when it is solving that problem. 2017 brings the mainstream adoption of containers for production workloads. In his session at 21st Cloud Expo, Ben McCormack, VP of Operations at Evernote, discussed how data centers of the future will be managed, how the p...
Large industrial manufacturing organizations are adopting the agile principles of cloud software companies. The industrial manufacturing development process has not scaled over time. Now that design CAD teams are geographically distributed, centralizing their work is key. With large multi-gigabyte projects, outdated tools have stifled industrial team agility, time-to-market milestones, and impacted P&L stakeholders.
Enterprises are adopting Kubernetes to accelerate the development and the delivery of cloud-native applications. However, sharing a Kubernetes cluster between members of the same team can be challenging. And, sharing clusters across multiple teams is even harder. Kubernetes offers several constructs to help implement segmentation and isolation. However, these primitives can be complex to understand and apply. As a result, it’s becoming common for enterprises to end up with several clusters. Thi...
"NetApp is known as a data management leader but we do a lot more than just data management on-prem with the data centers of our customers. We're also big in the hybrid cloud," explained Wes Talbert, Principal Architect at NetApp, in this SYS-CON.tv interview at 21st Cloud Expo, held Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA.
"We're focused on how to get some of the attributes that you would expect from an Amazon, Azure, Google, and doing that on-prem. We believe today that you can actually get those types of things done with certain architectures available in the market today," explained Steve Conner, VP of Sales at Cloudistics, in this SYS-CON.tv interview at 21st Cloud Expo, held Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA.
"Space Monkey by Vivent Smart Home is a product that is a distributed cloud-based edge storage network. Vivent Smart Home, our parent company, is a smart home provider that places a lot of hard drives across homes in North America," explained JT Olds, Director of Engineering, and Brandon Crowfeather, Product Manager, at Vivint Smart Home, in this SYS-CON.tv interview at @ThingsExpo, held Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA.
Coca-Cola’s Google powered digital signage system lays the groundwork for a more valuable connection between Coke and its customers. Digital signs pair software with high-resolution displays so that a message can be changed instantly based on what the operator wants to communicate or sell. In their Day 3 Keynote at 21st Cloud Expo, Greg Chambers, Global Group Director, Digital Innovation, Coca-Cola, and Vidya Nagarajan, a Senior Product Manager at Google, discussed how from store operations and ...
"Cloud Academy is an enterprise training platform for the cloud, specifically public clouds. We offer guided learning experiences on AWS, Azure, Google Cloud and all the surrounding methodologies and technologies that you need to know and your teams need to know in order to leverage the full benefits of the cloud," explained Alex Brower, VP of Marketing at Cloud Academy, in this SYS-CON.tv interview at 21st Cloud Expo, held Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clar...
In his session at 21st Cloud Expo, Carl J. Levine, Senior Technical Evangelist for NS1, will objectively discuss how DNS is used to solve Digital Transformation challenges in large SaaS applications, CDNs, AdTech platforms, and other demanding use cases. Carl J. Levine is the Senior Technical Evangelist for NS1. A veteran of the Internet Infrastructure space, he has over a decade of experience with startups, networking protocols and Internet infrastructure, combined with the unique ability to it...
It is of utmost importance for the future success of WebRTC to ensure that interoperability is operational between web browsers and any WebRTC-compliant client. To be guaranteed as operational and effective, interoperability must be tested extensively by establishing WebRTC data and media connections between different web browsers running on different devices and operating systems. In his session at WebRTC Summit at @ThingsExpo, Dr. Alex Gouaillard, CEO and Founder of CoSMo Software, presented ...
"There's plenty of bandwidth out there but it's never in the right place. So what Cedexis does is uses data to work out the best pathways to get data from the origin to the person who wants to get it," explained Simon Jones, Evangelist and Head of Marketing at Cedexis, in this SYS-CON.tv interview at 21st Cloud Expo, held Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA.
WebRTC is great technology to build your own communication tools. It will be even more exciting experience it with advanced devices, such as a 360 Camera, 360 microphone, and a depth sensor camera. In his session at @ThingsExpo, Masashi Ganeko, a manager at INFOCOM Corporation, introduced two experimental projects from his team and what they learned from them. "Shotoku Tamago" uses the robot audition software HARK to track speakers in 360 video of a remote party. "Virtual Teleport" uses a multip...
"We work around really protecting the confidentiality of information, and by doing so we've developed implementations of encryption through a patented process that is known as superencipherment," explained Richard Blech, CEO of Secure Channels Inc., in this SYS-CON.tv interview at 21st Cloud Expo, held Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA.
High-velocity engineering teams are applying not only continuous delivery processes, but also lessons in experimentation from established leaders like Amazon, Netflix, and Facebook. These companies have made experimentation a foundation for their release processes, allowing them to try out major feature releases and redesigns within smaller groups before making them broadly available. In his session at 21st Cloud Expo, Brian Lucas, Senior Staff Engineer at Optimizely, discussed how by using ne...
Gemini is Yahoo’s native and search advertising platform. To ensure the quality of a complex distributed system that spans multiple products and components and across various desktop websites and mobile app and web experiences – both Yahoo owned and operated and third-party syndication (supply), with complex interaction with more than a billion users and numerous advertisers globally (demand) – it becomes imperative to automate a set of end-to-end tests 24x7 to detect bugs and regression. In th...