Tokenization, when applied to data security, is the process of substituting a sensitive data element with a non-sensitive equivalent, referred to as a token, that has no intrinsic or exploitable meaning or value. The token is a reference that maps back to the sensitive data through a tokenization system. The mapping from original data to a token uses methods that render tokens infeasible to reverse in the absence of the tokenization system, for example using tokens created from random numbers. A one-way cryptographic function is used to convert the original data into tokens, making it difficult to recreate the original data without obtaining entry to the tokenization system's resources. To deliver such services, the system maintains a vault database of tokens that are connected to the corresponding sensitive data. Protecting the system vault is vital to the system, and improved processes must be put in place to offer database integrity and physical security.
Key management refers to management of cryptographic keys in a cryptosystem. This includes dealing with the generation, exchange, storage, use, crypto-shredding (destruction) and replacement of keys. It includes cryptographic protocol design, key servers, user procedures, and other relevant protocols.
Information security standards or cyber security standards are techniques generally outlined in published materials that attempt to protect the cyber environment of a user or organization. This environment includes users themselves, networks, devices, all software, processes, information in storage or transit, applications, services, and systems that can be connected directly or indirectly to networks.
The Standard of Good Practice for Information Security (SOGP), published by the Information Security Forum (ISF), is a business-focused, practical and comprehensive guide to identifying and managing information security risks in organizations and their supply chains.
The Payment Card Industry Data Security Standard is an information security standard used to handle credit cards from major card brands. The standard is administered by the Payment Card Industry Security Standards Council, and its use is mandated by the card brands. It was created to better control cardholder data and reduce credit card fraud. Validation of compliance is performed annually or quarterly with a method suited to the volume of transactions:
The payment card industry (PCI) denotes the debit, credit, prepaid, e-purse, ATM, and POS cards and associated businesses.
The Payment Card Industry Security Standards Council was formed by American Express, Discover Financial Services, JCB International, MasterCard and Visa Inc. on September 7, 2006, with the goal of managing the ongoing evolution of the Payment Card Industry Data Security Standard.
Certified Payment-Card Industry Security Manager(CPISM) is an independent payments industry certification governed by the Society of Payment Security Professionals (commonly known as the SPSP). The CPISM is the de facto certification for payment security professionals. This certification is held by members from diverse backgrounds including Level 1 - 4 Merchants, Acquirers, Issuers, QSAs, Processors, Gateways, Service Providers, and Consultants. All CPISM holders are members of the SPSP.
HP Application Security Center (ASC) was a set of technology solutions by HP Software Division. Much of the portfolio for this solution suite came from HP's acquisition of SPI Dynamics. The software solutions enabled developers, quality assurance (QA) teams and security experts to conduct web application security testing and remediation. The security products have been repackaged as enterprise security products from the HP Enterprise Security Products business in the HP Software Division.
Certified Payment-Card Industry Security Auditor(CPISA) is an independent payments industry certification governed by the Society of Payment Security Professionals (commonly known as the SPSP). The CPISA focuses on information technology, information security, and auditing knowledge and skills. This certification is held by members from diverse backgrounds including Level 1 - 4 Merchants, Acquirers, Issuers, QSAs, Processors, Gateways, Service Providers, Consultants, and Auditors. All CPISA holders are members of the SPSP and also hold the CPISM certification.
The Payment Application Data Security Standard (PA-DSS) is the global security standard created by the Payment Card Industry Security Standards Council. PA-DSS was implemented in an effort to provide the definitive data standard for software vendors that develop payment applications. The standard aimed to prevent developed payment applications for third parties from storing prohibited secure data including magnetic stripe, CVV2, or PIN. In that process, the standard also dictates that software vendors develop payment applications that are compliant with the Payment Card Industry Data Security Standards.
Linoma Software was a developer of secure managed file transfer and IBM i software solutions. The company was acquired by HelpSystems in June 2016. Mid-sized companies, large enterprises and government entities use Linoma's software products to protect sensitive data and comply with data security regulations such as PCI DSS, HIPAA/HITECH, SOX, GLBA and state privacy laws. Linoma's software runs on a variety of platforms including Windows, Linux, UNIX, IBM i, AIX, Solaris, HP-UX and Mac OS X.
GlobalScape, Inc. (AMEX:GSB) is a software developer headquartered in San Antonio, Texas, United States.
Ukrainian Processing Center is a Ukrainian company founded in 1997 which provides processing services and software for banks. UPC was the first Ukrainian company within the sphere of processing that received MSP and TPP status in Visa and Mastercard. In April 1997 UPC processed the first ATM EC/MC card transaction. Since 2005 UPC has become part of the Raiffeisen Bank International. The head office of UPC is based in Kyiv. Ukrainian Processing Center provides services to banks in Central and East Europe in the sphere of processing payment cards, merchant acquiring and ATM channel management. UPC also offers integrated IT systems for electronic commerce, card transactions monitoring systems of fraud prevention, card issuing system and SMS banking service. Moreover, UPC was the initiator of the establishment of the united ATM network "ATMoSphere", which consists of payment cards issuing banks. Annually UPC processes more than 400 million of payment card transactions.
File integrity monitoring (FIM) is an internal control or process that performs the act of validating the integrity of operating system and application software files using a verification method between the current file state and a known, good baseline. This comparison method often involves calculating a known cryptographic checksum of the file's original baseline and comparing with the calculated checksum of the current state of the file. Other file attributes can also be used to monitor integrity.
Perspecsys Inc. is a cloud computing security company Founded by Terry and Lynda Woloszyn, on July 6 2006 that provides cloud data protection software. Perspecsys has offices in the Toronto area; Tysons Corner, Virginia; San Francisco, California; London, England; Paris, France; and Berlin, Germany.
Point-to-point encryption (P2PE) is a standard established by the PCI Security Standards Council. Payment solutions that offer similar encryption but do not meet the P2PE standard are referred to as end-to-end encryption (E2EE) solutions. The objective of P2PE and E2EE is to provide a payment security solution that instantaneously converts confidential payment card data and information into indecipherable code at the time the card is swiped, in order to prevent hacking and fraud. It is designed to maximize the security of payment card transactions in an increasingly complex regulatory environment.
Internal Security Assessor (ISA) is a designation given by the PCI Security Standards Council to eligible internal security audit professionals working for a qualifying organization. The intent of this qualification is for these individuals to receive PCI DSS training so that their qualifying organization has a better understanding of PCI DSS and how it impacts their company. Becoming an ISA can improve the relationship with Qualified Security Assessors and support the consistent and proper application of PCI DSS measures and controls within the organization. The PCI SSC's public website can be used to verify ISA employees.
The Four Corners model, often referred to as the Four Party Scheme is the most used card scheme in card payment systems worldwide. This model was introduced in the 1990s. It is a user-friendly card payment system based on an interbank clearing system and economic model established on multilateral interchange fees (MIF) paid between banks or other payment institutions.
