PCI DSS Compliance and Security

PCI DSS (Payment Card Industry Data Security Standard) Compliance and Security refers to the adherence to a set of mandatory technical and operational requirements designed to protect cardholder data and prevent credit card fraud. Applicable to any organization that accepts, processes, stores, or transmits credit card information, this framework provides a baseline of protection by mandating controls such as network security, data encryption, strong access control measures, and regular monitoring and testing of security systems. Achieving and maintaining PCI DSS compliance is a critical component of an organization's cybersecurity strategy, demonstrating a commitment to securing sensitive financial information against ever-evolving threats.

1. Introduction to PCI Security Standards
   1. The Payment Card Industry Security Standards Council (PCI SSC)
      1. Founding Payment Brands
         1. Visa
         2. MasterCard
         3. American Express
         4. Discover
         5. JCB
      2. Mission and Objectives
         1. Development of Security Standards
         2. Promotion of Payment Security
         3. Stakeholder Engagement
         4. Global Adoption and Implementation
      3. Structure and Governance
         1. Executive Committee
         2. Participating Organizations
         3. Special Interest Groups
         4. Board of Advisors
   2. Overview of the PCI Data Security Standard (PCI DSS)
      1. Purpose and Goals
         1. Protecting Cardholder Data
         2. Reducing Payment Card Fraud
         3. Establishing Baseline Security Controls
         4. Creating Common Security Framework
      2. Evolution of the Standard
         1. Version 1.0 Introduction
         2. Version 2.0 Enhancements
         3. Version 3.0 Major Updates
         4. Version 4.0 Current Requirements
         5. Timeline of Releases
         6. Migration Timelines
      3. Other PCI Standards Overview
         1. Payment Application Data Security Standard (PA-DSS)
         2. Point-to-Point Encryption (P2PE)
         3. PCI PIN Security Requirements
         4. PCI Software Security Framework (SSF)
         5. PCI Card Production and Provisioning
   3. Key Terminology and Concepts
      1. Cardholder Data (CHD)
         1. Primary Account Number (PAN)
         2. Cardholder Name
         3. Expiration Date
         4. Service Code
      2. Sensitive Authentication Data (SAD)
         1. Full Track Data
         2. Card Verification Codes
         3. PINs and PIN Blocks
         4. Chip Authentication Data
      3. Cardholder Data Environment (CDE)
         1. Definition and Boundaries
         2. System Components
         3. Network Segments
         4. Physical Locations
      4. Account Data
         1. CHD vs SAD Distinction
         2. Data Storage Restrictions
         3. Data Transmission Requirements
      5. Entity Types
         1. Merchants
         2. Service Providers
         3. Acquirers
         4. Issuers
         5. Payment Processors
         6. Third-Party Service Providers
      6. Merchant Classification
         1. Level 1 Merchants
         2. Level 2 Merchants
         3. Level 3 Merchants
         4. Level 4 Merchants
      7. Service Provider Classification
         1. Level 1 Service Providers
         2. Level 2 Service Providers
   4. Applicability of PCI DSS
      1. Organizations Required to Comply
         1. Any Entity Storing CHD
         2. Any Entity Processing CHD
         3. Any Entity Transmitting CHD
      2. Transaction Volume Thresholds
         1. Visa Transaction Levels
         2. MasterCard Transaction Levels
         3. American Express Transaction Levels
         4. Discover Transaction Levels
      3. Payment Channel Considerations
         1. Card-Present Transactions
         2. Card-Not-Present Transactions
         3. E-commerce Environments
         4. Mail Order/Telephone Order (MOTO)
         5. Mobile Payments
      4. Geographic Scope
         1. Global Applicability
         2. Regional Variations
         3. Local Regulatory Requirements
      5. Legal and Contractual Framework
         1. Payment Brand Operating Regulations
         2. Merchant Agreements
         3. Service Provider Agreements
         4. Acquiring Bank Requirements