Tag Archives: pci dss

12.15.16
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How the Massive Yahoo Breach Could Affect You.

On December 14, 2016 Yahoo revealed that 1,000,000,000 (that’s 1 billion) user accounts had been compromised in 2013, a year before they reported another breach that affected 500 million user accounts.

That’s 1.5 billion accounts that were hacked.  A company that employs 13,600 people in their IT department was hacked and user accounts from enough people to equal the population of North America, South America, Central America, Australia, Russia, Germany, and a few smaller nations, were compromised.

Yahoo engineer in server farm.

Why would hackers be so interested in the e-mail accounts of all these people?  They’re not.  Just like they are not interested in the Chicken Stamp accounts that were breached recently at KFC.

So what are they after?  Lax password security by those Yahoo and KFC account users.  If you’re like many people, you’ll use your e-mail account as a user name for most, if not all, of the web sites you frequent.  And if you’re like most users, you also use the same password for most of these sites.

By the way, Yahoo and KFC aren’t the only companies that have been hacked.  Our sister site, DontBecomeAnotherTarget.com keeps track of all major breaches.

So suddenly those Chicken Stamp accounts and those e-mail accounts begin to have more value, especially if those same user names and passwords are used at financial sites.

Some security sites are recommending that if you have a Yahoo account, it’s time to close it, including if you have an account that Yahoo administers (@att.net, @bellsouth.net).  You also need to change all of your passwords that are similar to your Yahoo/.att.net/.bellsouth.net. Now.  And you need to begin to practice safe online behavior.

What’s safe online behavior?  It’s

  • not using the same password at all web sites
  • using complex passwords that include upper and lower case characters, numbers and symbols
  • changing your password a few times per year (it’s recommended every six weeks, but a few times per year is better than not at all)
  • not writing your passwords down on a Post-It and sticking it to your monitor.  Use a password manager, like LastPass, Dashlane, eWallet
  • not clicking the little box that says “stay logged in” at sensitive sites
  • not going to dangerous web sites (adult content, gaming sites)
  • not opening attachments from people you don’t know
  • making sure your computer is patched with the latest updates
  • making sure you have a good anti-virus program.  And keep it current.

If you own a business and you’re doing your own IT support and security, you’re doing a disservice to not only your clients, but also your clients security, and your own security.  Studies show that 61% of people will not go back to shop at any business that’s been breached.  Contact us today to see how affordable expert IT support can be.

If you take credit cards, you’re required to be PCI Compliant, and that doesn’t mean checking all of the Yes boxes on the Self Assessment Questionnaire (SAQ), even if the answer is No.  It’s actually being compliant by making sure all of the items meet requirements.  Most businesses we visit to do our free PCI Compliance assessment are not even close to being compliant.  Most fail in every one of the 12 PCI DSS categories.  Contact us today if you would like to see if you’re compliant.  It costs you nothing to find out.

Regardless of whether you’re a business or a home user, this Yahoo breach should not be taken lightly.  You need to act on it today.

Contact us today if you need help.  Our engineers are the some of the most experienced in the Southeast when it comes to not only cybersecurity and SMB (Small Medium Business) IT support – it’s what we specialize in.  And PCMDX is one of the top PCI Compliance firms in the country.  If you’re a home user, we can help you as well by making sure your network is protected (yes, if you have a broadband router and multiple devices, you have a network), and all of your devices are protected.

Updated 12/15/16 10:56am CST to update link.

 

10.09.16
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PCI Compliance – An Ongoing Process

Recently Computer World published what’s most likely the very best article dealing with PCI Compliance.  Not so much what it entails to be compliant, but what it takes to remain compliant.

http://www.computerworld.com/article/3126187/retail-it/the-ultimate-unanswerable-question-are-we-pci-compliant.html

 

The issue with PCI compliance is that the business network and the business environment is constantly changing and evolving.  There are 12 requirements in the PCI DSS.  In order to be compliant, all of these must be current all of the time.  Some remain static, meaning they don’t change.

Let’s take requirement No. 1: Install and maintain a firewall configuration to protect cardholder data. firewall-156010_640 Your PCI specialist installs and configures a firewall.  Once it has been configured properly, you’ve met the first requirement, right?  Well, sort of.  Assuming the firmware is current, and nothing changes in the network environment, the answer would be Yes, you’ve met the requirement.

Let’s go down to requirement No. 11:  Regularly test security systems and processes.  Inside this requirement is 11.1, which requires that a hardware inventory be kept up to date of all devices on the “protected” or POS network.  This is the network that handles all credit card transactions (your guest wi-fi, or any other network should NEVER be on the same sub-net as your POS traffic).  You just replaced or added a POS terminal.  Did you log it in the inventory, including the model and serial number?  If the answer is No, then you’re not compliant.

On that very same replacement terminal, you need to make sure that you have met requirements 5 and 6: Use and regularly update antivirus software; Develop and maintain secure systems and applications.  If you’ve added a location on the network for this terminal, the network diagram also needs to be updated.

Now let’s move on the the human factor in being compliant.  Each individual who handles credit cards must be trained in the methods of handling cards safely and securely, which is part of requirement 12:  Maintain a policy that addresses information security.  If you’ve hired a new employee, they must first be trained and sign-off acknowledging that they’ve been trained.  A copy of the signature page must go in their employee file.

The article in Computer World makes some outstanding points.  First,  you’re only compliant on the date that you last checked and updated (successfully) the requirements:

The reason why compliance is tied to the date the assessment was wrapped is that, in theory, any change at all to anything on the network could make that merchant noncompliant. I get that. It makes sense. But what good is PCI compliance if a retailer never knows if it is compliant? 

This is where PCMDX comes in.  We take it off your shoulders and put it on ours.  We let you worry about the prime purpose of your business, and we take care of the things that we’re good at:  Keeping you compliant.

Further more, as the article states, it’s the human factor that makes you (and keeps you) compliant:

But it (software) can’t track PCI compliance — which is a human-dictated state — any more than it can declare a system “secure.” 

PCMDX is the only company in our service area (Alabama, Mississippi, Western Tennessee, Florida Panhandle) that creates a plan for your company to become, and remain, PCI Compliant.  We will visit your site, examine your existing network, create a plan to make your network compliant, implement the plan, and then keep it maintained on a regular schedule.

Contact us today for a free, no-obligation consultation.  You’ll be glad you did.

 

 

 

03.03.16
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Wendy’s 4 for $4 may hit more than your waist line

wendys

In January 2016 Wendy’s restaurants reported that they had suffered a breach in their network that handles credit cards.  The report included the following: “As reported in the news media in late January, the Company has engaged cybersecurity experts to conduct a comprehensive investigation into unusual credit card activity related to certain Wendy’s restaurants. Out of the locations investigated to date, some have been found by the cybersecurity experts to have malware on their systems.”

What this basically means is that someone had installed software designed to harvest credit card data (“malware”) on Wendy’s network, which is the same thing that happened at other retailers and restaurants over the course of the last few years.  Our sister site, DontBecomeAnotherTarget.com has a list of many of these merchants.

Some credit unions, according to the article, have said that this breach has already exceeded the fraud that the Target breach caused in 2013.

The worst part?  According to the article, “the restaurant chain hasn’t yet said how long the breach lasted — or indeed if the breach is even fully contained yet.”  What does that mean?  That means you don’t use your credit or debit card at Wendy’s.  Period.

It’s unknown if Wendy’s had passed their latest PCI DSS (Payment Card Industry Data Security Standard) prior to the breach, however post breach they are not compliant, since the malware should have been discovered during the required scans.

If you’re a merchant that takes credit cards, you’re required to be PCI compliant.  We’ve encountered so many merchants who don’t have their own IT department who are under the false impression that they are compliant because they’ve signed (or “attested” online) a form from their credit card processing company indicating that they are compliant.

The credit card processing companies, like every other portion of the credit card chain (Merchant>Processor>Bank) have to be compliant, but each entity is required to do their own PCI Self-Assessment Questionnaire (SAQ).  The credit card processors will have the merchant sign/attest a form that indicates that the merchant knows they have to be PCI Compliant, even if the merchant has no clue what that is.  Once the merchant attests to this, the credit card processor has fulfilled their obligation.  If a breach occurs with the merchant, all the credit card processor has to say is “But you signed that you were PCI compliant” and they’re off the hook.

PC Medics of Alabama (PCMDX) specializes in SMB (Small to Medium Businesses) PCI Compliance.  If you process under 6,000,000 transactions per year, PCMDX can make sure you’re compliant.  If you’re not compliant, we’ll take the necessary steps to make sure you become compliant.  We then take care of your SAQ, and we make sure you remain compliant.

Our client base includes restaurants, dentists, doctors, and various other merchants, so our experienced staff can handle any merchant that takes credit cards.  Call us today for a free visit and estimate on how you Don’t Become Another Target. And if you don’t have a dedicated IT department, we can handle that for your as well, which let’s you concentrate on your business, while we take care of your IT needs.