Credit card data encryption is one of the foundations of PCI DSS compliance. In recent years, more and more people are concerned about the need to improve data security. The general point of PCI DSS seems to indicate that merchants should only retain the minimum amount of data in their systems. In other words, only information that is specifically needed by business, legal, or other such requirements should be stored in internal systems. All this information must be encrypted.
However studies have shown that many companies fail to implement appropriate credit card data encryption measures. why is it like this?
This may be due to the cost and confusion associated with encryption of credit card data. Proper encryption may require more resources than normal, including processing, bandwidth, and personnel resources. When companies began to calculate the costs associated with these new security measures, many of them seemed to think it was worth a bit of risk to save money and resources.
After all, they may say that there must be some companies that have become targets and have been defeated. But, really, so many companies have encountered problems. Of course, hackers will not target me at all companies in the world.
However, the unfortunate fact is that hackers will actually attack anyone. Although many companies are unable to spend resources to counter the possible problem, this is exactly what PCI DSS requires you to do.
PCI DSS requires that you "protect the memory card data data". Credit card data encryption is critical to this requirement. The idea here is that anyone who happens to bypass any or all other security measures will only find a series of illegible garbled. The only way that criminals can use these numbers is if they also master the encryption key.
This brings us another part of the right credit card data encryption: proper storage and care of encryption keys. Many of the requirements here reflect the requirements of conventional data security. For example, a merchant must limit access to a small number of possible people, and they must store as little as possible. There are also some requirements to ensure that businesses use the best keys. Businesses must generate strong keys, securely store and transmit keys, and periodically replace encryption keys and handle old keys properly.
Many companies are now choosing to outsource their data security needs. Companies that specialize in the encryption of credit card data can implement all appropriate security measures for sensitive data and encryption keys. By outsourcing these programs, your company can continue to operate with minimal disruption.
This is a convenient solution for many companies, but there is another requirement that needs to be considered. The fourth requirement of PCI DSS is to "encrypt the transmission of cardholder data over open public networks." Reasoning is simple. If hackers cannot access sensitive information on the system, they can try to intercept it in transit. Hackers can modify, delete or transfer this information and cause great trouble.
Then, credit card data encryption is required both in endpoints and in transmissions. A little less makes you the goal of someone with an unclear motivation.
With the continuous development of technology and the increasing number of credit card transactions, stronger security measures will be needed to ensure information security. As consumers become more tired of the risks associated with credit card transactions, these security precautions will determine whether the business can continue to operate. Consumers need to know that they can trust you. Credit card data encryption will be one of the criteria for measuring your value.
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Orignal From: Credit Card Data Encryption - Getting Started
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