Welcome!

@CloudExpo Authors: AppNeta Blog, Elizabeth White, Carmen Gonzalez, Yeshim Deniz, Pat Romanski

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
"We're bringing out a new application monitoring system to the DevOps space. It manages large enterprise applications that are distributed throughout a node in many enterprises and we manage them as one collective," explained Kevin Barnes, President of eCube Systems, in this SYS-CON.tv interview at DevOps at 18th Cloud Expo, held June 7-9, 2016, at the Javits Center in New York City, NY.
SYS-CON Events announced today that CA Technologies has been named "Platinum Sponsor" of SYS-CON's 20th International Cloud Expo®, which will take place on June 6-8, 2017, at the Javits Center in New York City, New York, and 21st International Cloud Expo, which will take place in November in Silicon Valley, California.
SYS-CON Events announced today that delaPlex will exhibit at SYS-CON's @CloudExpo, which will take place on June 6-8, 2017, at the Javits Center in New York City, NY. delaPlex pioneered Software Development as a Service (SDaaS), which provides scalable resources to build, test, and deploy software. It’s a fast and more reliable way to develop a new product or expand your in-house team.
With major technology companies and startups seriously embracing IoT strategies, now is the perfect time to attend @ThingsExpo 2016 in New York. Learn what is going on, contribute to the discussions, and ensure that your enterprise is as "IoT-Ready" as it can be! Internet of @ThingsExpo, taking place June 6-8, 2017, at the Javits Center in New York City, New York, is co-located with 20th Cloud Expo and will feature technical sessions from a rock star conference faculty and the leading industry p...
Extreme Computing is the ability to leverage highly performant infrastructure and software to accelerate Big Data, machine learning, HPC, and Enterprise applications. High IOPS Storage, low-latency networks, in-memory databases, GPUs and other parallel accelerators are being used to achieve faster results and help businesses make better decisions. In his session at 18th Cloud Expo, Michael O'Neill, Strategic Business Development at NVIDIA, focused on some of the unique ways extreme computing is...
The explosion of new web/cloud/IoT-based applications and the data they generate are transforming our world right before our eyes. In this rush to adopt these new technologies, organizations are often ignoring fundamental questions concerning who owns the data and failing to ask for permission to conduct invasive surveillance of their customers. Organizations that are not transparent about how their systems gather data telemetry without offering shared data ownership risk product rejection, regu...
WebRTC sits at the intersection between VoIP and the Web. As such, it poses some interesting challenges for those developing services on top of it, but also for those who need to test and monitor these services. In his session at WebRTC Summit, Tsahi Levent-Levi, co-founder of testRTC, reviewed the various challenges posed by WebRTC when it comes to testing and monitoring and on ways to overcome them.
Every successful software product evolves from an idea to an enterprise system. Notably, the same way is passed by the product owner's company. In his session at 20th Cloud Expo, Oleg Lola, CEO of MobiDev, will provide a generalized overview of the evolution of a software product, the product owner, the needs that arise at various stages of this process, and the value brought by a software development partner to the product owner as a response to these needs.
For organizations that have amassed large sums of software complexity, taking a microservices approach is the first step toward DevOps and continuous improvement / development. Integrating system-level analysis with microservices makes it easier to change and add functionality to applications at any time without the increase of risk. Before you start big transformation projects or a cloud migration, make sure these changes won’t take down your entire organization.
In his keynote at @ThingsExpo, Chris Matthieu, Director of IoT Engineering at Citrix and co-founder and CTO of Octoblu, focused on building an IoT platform and company. He provided a behind-the-scenes look at Octoblu’s platform, business, and pivots along the way (including the Citrix acquisition of Octoblu).
In his session at @ThingsExpo, Sudarshan Krishnamurthi, a Senior Manager, Business Strategy, at Cisco Systems, will discuss how IT and operational technology (OT) work together, as opposed to being in separate siloes as once was traditional. Attendees will learn how to fully leverage the power of IoT in their organization by bringing the two sides together and bridging the communication gap. He will also look at what good leadership must entail in order to accomplish this, and how IT managers ca...
In his keynote at @ThingsExpo, Chris Matthieu, Director of IoT Engineering at Citrix and co-founder and CTO of Octoblu, focused on building an IoT platform and company. He provided a behind-the-scenes look at Octoblu’s platform, business, and pivots along the way (including the Citrix acquisition of Octoblu).
SYS-CON Events announced today that CA Technologies has been named “Platinum Sponsor” of SYS-CON's 20th International Cloud Expo®, which will take place on June 6-8, 2017, at the Javits Center in New York City, NY, and the 21st International Cloud Expo®, which will take place October 31-November 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA. CA Technologies helps customers succeed in a future where every business – from apparel to energy – is being rewritten by software. From ...
SYS-CON Events announced today that Outlyer, a monitoring service for DevOps and operations teams, has been named “Bronze Sponsor” of SYS-CON's 20th International Cloud Expo®, which will take place on June 6-8, 2017, at the Javits Center in New York City, NY. Outlyer is a monitoring service for DevOps and Operations teams running Cloud, SaaS, Microservices and IoT deployments. Designed for today's dynamic environments that need beyond cloud-scale monitoring, we make monitoring effortless so you...
DevOps is being widely accepted (if not fully adopted) as essential in enterprise IT. But as Enterprise DevOps gains maturity, expands scope, and increases velocity, the need for data-driven decisions across teams becomes more acute. DevOps teams in any modern business must wrangle the ‘digital exhaust’ from the delivery toolchain, "pervasive" and "cognitive" computing, APIs and services, mobile devices and applications, the Internet of Things, and now even blockchain. In this power panel at @...
Cloud Expo, Inc. has announced today that Andi Mann and Aruna Ravichandran have been named Co-Chairs of @DevOpsSummit at Cloud Expo 2017. The @DevOpsSummit at Cloud Expo New York will take place on June 6-8, 2017, at the Javits Center in New York City, New York, and @DevOpsSummit at Cloud Expo Silicon Valley will take place Oct. 31-Nov. 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA.
In his session at @ThingsExpo, Steve Wilkes, CTO and founder of Striim, will delve into four enterprise-scale, business-critical case studies where streaming analytics serves as the key to enabling real-time data integration and right-time insights in hybrid cloud, IoT, and fog computing environments. As part of this discussion, he will also present a demo based on its partnership with Fujitsu, highlighting their technologies in a healthcare IoT use-case. The demo showcases the tracking of pati...
In his keynote at 18th Cloud Expo, Andrew Keys, Co-Founder of ConsenSys Enterprise, provided an overview of the evolution of the Internet and the Database and the future of their combination – the Blockchain. Andrew Keys is Co-Founder of ConsenSys Enterprise. He comes to ConsenSys Enterprise with capital markets, technology and entrepreneurial experience. Previously, he worked for UBS investment bank in equities analysis. Later, he was responsible for the creation and distribution of life settle...
A strange thing is happening along the way to the Internet of Things, namely far too many devices to work with and manage. It has become clear that we'll need much higher efficiency user experiences that can allow us to more easily and scalably work with the thousands of devices that will soon be in each of our lives. Enter the conversational interface revolution, combining bots we can literally talk with, gesture to, and even direct with our thoughts, with embedded artificial intelligence, whic...
SYS-CON Events announced today that Cloud Academy will exhibit at SYS-CON's 20th International Cloud Expo®, which will take place on June 6-8, 2017, at the Javits Center in New York City, NY. Cloud Academy is the industry’s most innovative, vendor-neutral cloud technology training platform. Cloud Academy provides continuous learning solutions for individuals and enterprise teams for Amazon Web Services, Microsoft Azure, Google Cloud Platform, and the most popular cloud computing technologies. Ge...