Keeping Compliance With PCI DSS Security Standards

Protecting Consumer Card Data at Home can be done with a few simple steps

By using common sense, you’re able to make sure that your credit card data remains secure while at home. So, what are the best ways to safely keep your credit card data safe at home? Here are some of the easiest, best ways to keep your credit card data safe at home: Be sure the room around your computer (including your desk computer) is well ventilated. Many people make the mistake of leaving their credit card data on a desk where it’s easily visible by others.

Don’t use your credit card over the internet. Even though online payment processing has become more popular, the fact remains that it’s still dangerous to transmit sensitive personal or credit cardholder data over the internet. This means that even though you might be sending a payment to a merchant who operates from your home, there’s still a very real possibility for your sensitive personal or credit card data to get into the wrong hands. To avoid this, stick to only sending payments to merchants that operate from your address.

Encryption ensures that your cardholder data isn’t intercepted

Encryption is a good practice to follow for all your electronic transactions. This is the best practice because you can rest assured that your data will remain private while also ensuring that third parties don’t get hold of it. The encryption used in most online stores and merchants are particularly good because they employ a variety of security measures to make sure that confidential data is not intercepted.

For those of you who aren’t sure what tokenization is, here’s a quick breakdown: tokenization is the process of transforming a credit cardholder data encryption message into a numeric format so it can be cryptoled by the network. During the tokenization process the encrypted message is converted into an unrecognizable random code. These codes are then sent back to the user through the network. With proper tokenization and encryption in place, tokenization ensures that sensitive data doesn’t get picked up by unscrupulous users. Because of this, tokenization is considered to be one of the most important elements of credit card compliance.

Cardholders are reminded to monitor their account activity

It’s important that you remember that even payment card transactions conducted on an internet site don’t exempt you from maintaining compliance with the Payment Card Industry Security Standards. You must still complete all your transactions in a timely manner. Cardholders are reminded to monitor their account activity so that any fraudulent charges will be brought to the attention of their card issuer as soon as possible. The sooner that fraudulent charges can be brought to the attention of your card issuer, the less chance they have of being able to defraud you and steal your sensitive authentication data. Remember that it is in your best interest to take any and all necessary steps to protect your cardholder data.

One other factor that you need to pay attention to is how you are using or managing the physical access to your network resources such as a router or a workstation. Some companies choose to circumvent the security of their network by accessing these physical resources remotely. This means that while they may be able to bypass the PCI DSS rules regarding sensitive authentication data by accessing a cardholder data repository remotely, they may also be vulnerable to attacks from other unauthorised sources on the network. Therefore, you need to ensure that you only access your network resources through authorised servers and only through those servers which are running on secure machines.

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