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P8010-003 IBM Commerce Solutions Selling Technical Mastery Test v1

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P8010-003 exam Dumps Source : IBM Commerce Solutions Selling Technical Mastery Test v1

Test Code : P8010-003
Test cognomen : IBM Commerce Solutions Selling Technical Mastery Test v1
Vendor cognomen : IBM
: 25 actual Questions

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IBM IBM Commerce Solutions Selling

IBM (IBM) Receives $155.seventy six indifferent PT from Brokerages | killexams.com actual Questions and Pass4sure dumps

No result found, are trying novel key phrase!IBM (NYSE:IBM) has been given a consensus score of “hang” by means of the twenty-two scores organizations which are masking the company, Marketbeat.com reports. Three equities research analysts acquire rated the inventory ...

IBM (IBM) Up three.9% on the grounds that ultimate revenue document: Can It continue? | killexams.com actual Questions and Pass4sure dumps

A month has passed by because the remaining earnings file for IBM (IBM). Shares acquire brought about 3.9% in that time body, underperforming the S&P 500.

Will the recent high-quality mode continue leading as much as its next income liberate, or is IBM due for a pullback? before they dive into how investors and analysts acquire reacted as of late, let's rob a quick appear on the most recent salary document so as to amass an improved handle on the crucial drivers.

IBM this autumn earnings Beat Estimates, Revenues Decline Y/Y

overseas commerce Machines Corp delivered fourth-quarter 2018 non-GAAP salary of $4.87 per share, which beat the Zacks Consensus evaluate of $four.eighty one per share. youngsters, profits per partake (EPS) decreased 5.9% from the 12 months-ago quarter. The 12 months-over-12 months decline in EPS can also subsist attributed to greater tax rate.

Revenues of $21.76 billion had been essentially in line with the Zacks Consensus evaluate of $21.seventy four billion and declined three.5% on a year-over-yr foundation. At regular exotic money (cc), revenues dipped 1%. The year-over-year decline can primarily subsist attributed to exotic money fluctuation and headwinds from IBM Z product cycle.

certainly, IBM brought up that signings surged 21% on cc basis to $15.eight billion. capabilities backlog declined 1% year over 12 months and came in at $116 billion.

Geographic profits details

Revenues from Americas acquire been down 4%, reflecting the headwind from the IBM Z product cycle. besides the fact that children, persevered augment in Latin the us turned into a good.

Europe, core-East and Africa multiplied 2% from the year-ago quarter specially because of augment in Spain, Germany, Italy and the U.k.

Asia-Pacific revenues declined 1% on a yr-over-12 months groundwork with modest growth in Japan.

Strategic Imperatives growth Continues

Strategic Imperatives (cloud, analytics, mobility and safety) grew 5% at cc from the 12 months-ago quarter to $eleven.5 billion. except IBM Z product cycle acquire an sequel on Strategic Imperatives grew eleven% 12 months over year.

security revenues surged 17% (with the exception of IBM Z product cycle influence) and declined three% on cc foundation. On a trailing 12-month foundation, Strategic Imperatives revenues had been $forty billion, up 9%.

Cloud revenues surged 6% from the yr-in the past quarter to $5.7 billion and 19% (except IBM Z product cycle influence). The annual elude fee for cloud as-a-carrier revenues extended 21% at cc on a yr-over-12 months basis to $12.2 billion.

Cloud revenues of $19.2 billion on a trailing 12-month groundwork extended 12% 12 months over yr.

Cognitive Revenues Surge

Cognitive options’ revenues-external extended 2% yr over yr (on cc basis) to $5.5 billion. Revenues from Cognitive solutions (together with options application and transaction processing) increased basically due to augment in options utility, together with analytics and synthetic intelligence (AI).

Segmental revenues referring to Strategic Imperatives and Cloud expanded 9% and 5%, respectively. Cloud as-a-provider profits annual elude cost became $2 billion.

options utility contains offerings in strategic verticals relish health, area-particular capabilities relish analytics and security, and IBM’s rising technologies of AI and blockchain. The segment additionally contains offerings that tackle horizontal domains relish collaboration, commerce and skill. within the said quarter, solutions utility revenues multiplied 3% year over 12 months.

IBM brought up that the mixing of AI into offerings relish client adventure analytics in commerce domain helped SaaS signings to grow in double digit in the mentioned quarter.

Transaction Processing utility includes application that runs mission-critical workloads, leveraging IBM’s hardware platforms. Revenues acquire been up 1% on a 12 months-over-yr foundation.

IBM witnessed boom in industry verticals relish fitness, key areas of analytics and safety in the quarter. Watson fitness witnessed large-based mostly boom in Payer, issuer, Imaging and lifestyles Sciences domains.

all the pass through the fourth quarter, IBM multiplied partnership with Vodafone community. Per the deal, IBM’s advanced hybrid cloud platform, AI, internet of things (“IoT”) capabilities will back Vodafone commerce with digital transformation initiatives.

IBM mentioned that analytics performed neatly within the quarter, driven by records science choices and IBM Cloud private for data offering.

protection growth turned into driven by means of choices in orchestration, facts safety and endpoint management.

Story continues

In blockchain, IBM introduced addition of several novel customers perquisite through the quarter, which includes “work with sensible Dubai on the middle East’s first government-counseled blockchain platform.” The enterprise additionally unveiled an on-prem providing throughout the suggested quarter, the IBM Blockchain Platform for IBM Cloud inner most. a few novel deal wins is also assisting IBM to fortify its foothold in blockchain know-how.

global enterprise services Revenues increase

Revenues from international enterprise functions-external segment were $4.3 billion, up four% from the yr-in the past quarter (up 6% at cc). The year-over-12 months enhance changed into basically as a result of boom across complete three enterprise areas particularly consulting, software management and world process functions.

Segmental revenues pertaining to Strategic Imperatives grew 14%. Cloud apply surged 34%. Cloud as-a-service salary annual elude expense become $2.1 billion.

application administration revenues increased 4% from the 12 months-ago quarter. international process functions revenues climbed 5%. moreover, Consulting revenues extended 10% year over 12 months, pushed with the aid of tough performance from IBM’s digital enterprise.

expertise capabilities & Cloud systems: Revenues Dip

Revenues from expertise services & Cloud platforms-external reduced 3% from the year-ago quarter (flat at cc) to $8.9 billion. Segmental revenues touching on Strategic Imperatives superior 13%, pushed by hybrid cloud features. Cloud surged 22% from the year-in the past quarter. Cloud as-a-carrier income annual elude rate became $8 billion.

Integration software elevated 4% from the yr-in the past quarter. complete over the stated quarter, greater than 100 groups worldwide selected IBM Cloud inner most providing. Infrastructure capabilities revenues had been flat on a year-over-year groundwork.

Technical pilot functions revenues diminished 3% from the year-ago quarter.

vigour & z14 pressure methods Revenues

systems revenues diminished 21% on a yr-over-12 months basis (down 20% at cc) to $2.6 billion, essentially because of acquire an repercussion on of the IBM Z product cycle. Segmental revenues pertaining to Strategic Imperatives plunged 22%, while Cloud revenues declined 31%.

IBM Z revenues diminished 44% year over 12 months. despite the fact, MIPS capability has expanded round 20%, pushed by using large-based adoption of the z14 mainframe.

power revenues elevated 10% from the 12 months-in the past quarter. The upside became mainly as a result of Linux and tough adoption throughout the newest POWER9-based mostly architecture.

throughout the fourth quarter, IBM completed the launch of its next era POWER9 processors for midrange and excessive-conclusion systems which are designed for managing superior analytics, cloud environments and information-intensive workloads in AI, HANA, and UNIX markets.

IBM also brought novel choices optimizing both hardware and application for AI. administration believes that products relish PowerAI imaginative and prescient and PowerAI enterprise will aid constrain novel customer adoption.

youngsters, storage hardware revenues declined due to vulnerable efficiency in the mid-latitude end, in allotment offset via incredible augment in complete flash Arrays. IBM pointed out that pricing constrain in the immensely aggressive storage market is hurting revenues. The commerce introduced its novel FlashSystems with subsequent era NVMe technology perquisite through the pronounced quarter.

working methods utility revenues declined 3%, while systems Hardware slumped 23% from the 12 months-ago quarter.

at last, world Financing (contains financing and used machine sales) revenues lowered 11% yr over 12 months and 9% at cc to $402 million.

operating details

Non-GAAP low margin remained unchanged from the 12 months-in the past quarter at forty nine.5%. The low margin benefited primarily by means of one hundred ninety foundation features (bps) enlargement in features margin. besides the fact that children, detrimental combine in IBM Z product cycle completely offset this enlargement.

operating cost declined 5.3% 12 months over year, as a result of consciousness of acquisition synergies and enhancing operational efficiencies. IBM continues to invest in impulsively starting to subsist fields relish hybrid cloud, simulated intelligence (AI), security and blockchain.

Pre-tax margin from carrying on with operations improved 50 bps on a year-over-12 months foundation to 23.1%.

Cognitive options and world enterprise capabilities section pre-tax margins elevated 290 bps and 520 bps, respectively, on a 12 months-over-12 months basis. youngsters, expertise features & Cloud platforms section pre-tax margin shrunk 20 bps.

Non-GAAP operating margins from carrying on with operations shrunk ninety bps and got here in at 20.3%.

steadiness Sheet & cash circulate particulars

IBM ended fourth-quarter 2018 with $11.99 billion in complete cash and marketable securities compared with $14.70 billion at the End of third-quarter 2018. complete debt (together with current component) changed into $forty five.8 billion, down from $46.9 million from the fragile quarter.

IBM suggested cash movement from operations (with the exception of global Financing receivables) of $7.three billion and generated free money circulate of $6.5 billion within the quarter under assessment.

in the reported quarter, the commerce lower back $three.5 billion to shareholders through dividends and partake repurchases. The enterprise again more than $10 billion to shareholders via dividends and partake repurchases for the entire fiscal year.

on the conclusion of the year, the enterprise had $three.three billion closing under latest buyback authorization.

Fiscal 2018 Highlights

IBM stated fiscal 2018 non-GAAP income of $13.81 per share, where as revenues got here in at $79.6 billion, up 1% every 12 months over year.

Revenues from Cognitive options, global commerce capabilities, know-how functions & Cloud platforms, techniques and international Financing got here in at $18.forty eight billion, $16.82 billion, $34.46 billion, $8.03 billion and $1.fifty nine billion, respectively.

assistance

IBM expects non-GAAP EPS forecast for 2019 to subsist at least $13.90.

IBM nonetheless anticipates 2019 free cash circulation of $12 billion.

How acquire Estimates Been touching on the grounds that Then?

It seems, fresh estimates flatlined complete the pass through the previous month.

VGM ratings

at present, IBM has a subpar growth score of D, however its Momentum ranking is doing a lot superior with a B. Charting a a tiny equivalent route, the inventory become allotted a grade of A on the value facet, putting it within the responsible quintile for this investment method.

usual, the inventory has an mixture VGM rating of B. if you don't look to subsist focused on one strategy, this score is the one design confident you subsist attracted to.

Outlook

IBM has a Zacks Rank #3 (dangle). They foretell an in-line return from the inventory within the next few months.

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Blockchain, Cloud are Keys to IBM benefiting from customer traits | killexams.com actual Questions and Pass4sure dumps

IBM (IBM) may well subsist set to cash in on client and company developments as its cloud-based buyer and blockchain-based mostly give chain options rob off.

"The fact nowadays is that organisations are only 20% into their cloud experience, focused on getting the "easy" cloud endemic workloads up and operating," IBM observed in a press release. "To amass in the course of the next 80%, which can subsist the essential, more advanced workloads, they should subsist able to rush and control facts, features and workflows throughout multiple clouds and present IT techniques."

The commentary adds that the emerging hybrid multi-cloud opening is estimated to subsist $1 trillion market with the aid of 2020, whatever that IBM's crimson Hat (RHT) acquisition is aiming to capture upon.

most likely, the nevertheless-nascent blockchain exertion is even further under-penetrated, providing yet more augment prospects for those eyeing the long elude shift.

Sector particular

Amazon (AMZN) has long been the king of cloud pushed eCommerce solutions, but IBM may subsist including some jewels to its personal crown soon sufficient.

Chris Wong, vp strategy and commerce Ecosystem at IBM, highlighted consumer facing and sales focused sectors as key ambitions for IBM's initiatives.

Wong informed factual cash that the largest secular shift among agents, as an example, is the circulation to cloud and AI-driven ecosystems that may back shop traffic, ecommerce, and dawn capability that are complete pivotal to efficiency for sellers.

"very nearly every retailer is looking at the usage of AI and cloud," he spoke of. "it subsist a lot just relish the shift to digital in the first area."

As turned into viewed within the shift to digital in the beginning, folks that embraced the exchange succeeded while folks that denied the mode languished. Sears is probably going essentially the most seen casualty of the ecommerce period.

Wong explained that the shift to those structures is not any longer basically purchasing and promoting effectively, as has been displayed by means of ecommerce growth in China and East Asia notably through Alibaba (BABA) , however also about marketers understanding their purchasers.

"we can create options for consumers in keeping with what they are searching for," he added. "A maintain subsequent to a school versus next to a retirement home can subsist different and acquire different needs. this is one of the vital key factors that IBM obtained red Hat; to accelerate up the multi-cloud options that allow flexibility to meet hyperlocal customer demand."

The personalised product presentation tailored to each purchaser will subsist the key to the success of dealers in his view and hence necessitate a turning out to subsist pipeline of companions for IBM.

For agents touching ahead, a bird's eye view of their operations in terms of each exact and provide as well as protection can subsist pivotal to separating themselves from their competitors, Verizon enterprise options vice president Michel Dupre advised actual money.

"information analytics is foundational to both front and lower back ends," she explained, "Connecting with consumers to fulfill the purchase on-line mode is essential. The bar will always subsist raised for marketers."

She indicated that the technological execution might subsist a key factor for marketers, each online and in-shop, especially as the customer is still amazing. Of path, cloud and synthetic intelligence should subsist a chief point of this effort.

The potentialities for IBM especially are bolstered by means of the reticence of retailers to design the most of Amazon, when you consider that the Jeff Bezos-led behemoth has beaten down the trade for years. That eliminates the greatest competitor in the zone from the competitors in cloud.

The cloud focus is barely additional introduced into center of attention because the enterprise offloads non-core ecommerce structures which are extra aligned with the initial shift to digital in preference to where Wong anticipates the industry heading.

WebSphere Commerce, the enterprise's suite of digital commerce solutions, is touching to HCL technology after a $1.eight billion rob care of the Indian ecommerce leader announced in December.

"After the deal closes, IBM will no longer acquire a commerce platform," Forrester analysis director Allen Bonde mentioned. "IBM is continuing to reformulate its pass as an end-to-end enterprise options issuer, even as it doubles down on open source and cloud structure equipment and technologies reminiscent of AI and blockchain. promoting off these collaboration and journey assets may still back to filter zone for investing extra in these areas and more impulsively executing its SaaS vision."

constructing on Blockchain

The business's huge bet on blockchain might also subsist a huge payoff.

"We view a robust pipeline as valued clientele are interested in the advantages of blockchain in the back of their firewall," CFO Jim Kavanaugh informed analysts on Tuesday.

The efforts in provide chain solutions with blockchain peculiarly, which were these days highlighted by using IBM's partnership with Ford (F) to song cobalt sourcing and Walmart (WMT) to track meals give chain, point out that one of the vital largest gamers within the retail and automotive spaces are actually purchasing into this vision.

The initiation of blockchain supply chain with Walmart has reduced its illness response time from days to mere seconds, highlighting the value within the technology.

"Walmart has basically leaned in with its expend of expertise," Wong commented.

For reference, ReportLinker has forecasted the world blockchain market size to grow from $1.2 billion in 2018 to $23.3 billion through 2023, at a Compound Annual boom cost (CAGR) of 80.2%.

The focal point of IBM on retail giants is additionally apropos judging with the aid of the forecasts of the report.

"The retail and eCommerce trade vertical is expected to develop at the highest CAGR within the blockchain market by vertical complete over the forecast period," the record states. "Retail and eCommerce organizations are making massive investments to raise customer experience."

The investments will possible aid IBM, which is instantly establishing itself as a pacesetter within the house.

Broader Lens

The potential of a cloud and blockchain company relish IBM reaches past comfortably retail as smartly, as deals with multi-million-dollar, multi-facted agreements with, BNP Paribas (BNPQY) , Vodafone (VOD) , and Juniper Networks (JNPR) display.

Wong referred to he expects the horizontal integration of technology into these numerous industries, both in supply chain and client dealing with enterprise classes, to preserve a tough pipeline of company for the IBM ecosystem to arm out.

For these attempting to find functional purposes of crimson Hat's integration, the thesis on the primed pipeline in cloud provides a powerful one, specially if the cloud shift is as underpenetrated as IBM suggests. If one is bullish on blockchain, that phase only bolsters that positive outlook.

So, while the tech expansive drops a few of its ecommerce oriented aspects, the enterprise may well subsist positioning for a a distinguished deal extra pertinent paradigm shifts which are still establishing.

Get an e mail alert each and every time I write an article for precise funds. click on the "+comply with" next to my byline to this article.


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Indian-born Naveen Seth leads restaurant chain La Prep | killexams.com actual questions and Pass4sure dumps

The serial entrepreneur heads up La Prep and Indian street food restaurant Chaska, after many other entrepreneurial ventures in India and Canada

Thirty years after he arrived in Canada from India barely able to speak English, serial entrepreneur Naveen Seth traces the roots of his thriving commerce career to lessons his father taught him when he was a teenager.

Seth, CEO and owner of the rapidly growing La Prep chain of bistro-style restaurants, was 15 years fragile when he began helping his father out after school at the successful textile company he ran in Punjab, India.

He’d monitor production at the plant and report back to his father on novel orders coming in and product that needed to subsist shipped out. He branched out into other parts of the commerce — wholesale operations, sales, the retail shop. In the evenings at the family dinner table, Seth’s father would talk about commerce and embolden him to set priorities and talk about how he should perambulate about making them happen.

“My father was a fanciful teacher,” Seth says. “He always tried to interpret how things toil in commerce in a conversational way, rather than by lecturing you. Those lessons are still there in the back of my mind as I elude my own companies.”

Seth had to lean on what he’d learned when tragedy struck and his father was killed in a traffic accident. At the age of 21, the job of running the family textile commerce in the immediate aftermath of his father’s death and then winding it down fell to Seth.

The following year — on April 1, 1988 — he immigrated in Canada, where two of his elder sisters lived, to start a novel life in a novel country. The day after he arrived in Ottawa, Seth began managing a convenience store his sister owned.

As he crammed to learn English, Seth also studied the convenience store business. It wasn’t the textile industry, but many of the very commerce principles applied. About half a year after his arrival, Seth bought a failing convenience store for $25,000 and set his sights on turning it around. He made numerous improvements and changes to bring in more customers. Eight months later, he sold the store for four times what he had paid for it.

My father … always tried to interpret how things toil in commerce in a conversational way, rather than by lecturing you. Those lessons are still there in the back of my mind as I elude my own companies.

Seth followed the very pattern with an additional three stores, buying them at low prices, figuring out what needed to change for them to operate successfully and then selling them quickly for a profit.

But it was an opening in the IT sector where Seth struck it really expansive for the first time.

Finding commerce opportunities in IT

Though he had honed his commerce skills over the years since he’d moved to Canada, Seth had no flavor in IT when he was first approached by his brother-in-law about going into commerce together in the field. Seth’s brother-in-law, a computer engineer who had worked in Norway, was also animated in Ottawa and had identified a requisite for IT training centres in Canada.

“It was difficult at first because I had no background in IT, but I spent the next few months shadowing him and soaking up everything I could learn about IT and computers,” Seth says.

Six months after they opened their IT training centre, they were so busy they had to expand. They got even busier when they struck on the thought of developing computer-based training modules so students could learn at their own accelerate from any location — a common rehearse now, but it was innovative at the time.

Within two years, Seth and his brother-in-law had 35 software engineers working for them in Canada. Through persistence — verging on stubbornness — Seth was also able to attract the attention of a major U.S. marketing firm to expend their services. Landing the commerce took Seth 47 phone calls before the U.S. firm’s CEO finally returned his convene and gave him the time to design his pitch. The firm ended up liking Seth’s company so much that they purchased it for themselves in a $6 million deal.

Onto a novel tasty venture

Throughout his toil life, Seth had always felt a tough fervor for food — something else his father had instilled in him. After nearly a decade in the IT business, Seth decided to shift gears and set his sights on the food industry.

“Every Friday, during my eventual two years in IT, they used to bring in chefs from the top Indian restaurants in Ottawa to cook for their staff. That really got my fervor for food burning again,” Seth says.

He studied what was then called the Café Supreme chain, which has since been rebranded as La Prep. He convinced the chain’s owner to allow him to buy the rights for Southern Ontario as a master franchisor and opened his first store in 1999 in Toronto beside St. Lawrence Market.

But Seth quickly ran into problems. The location was far too large and expensive to maintain. He had difficulties with his landlord. He battled against mixed branding. Not enough customers came through the door. He shut the restaurant down after one year, losing approximately $500,000 in what Seth calls the most-expensive lesson he has ever learned. Most importantly, he decided stand-alone locations wouldn’t toil for the chain and they would enact better in places where there was already hefty foot traffic, such as malls and office towers.

Seth attach the lessons he learned through the restaurant’s failure to the test in 2001 when he opened his second location in Erin Mills Town Centre. It was a hit, followed by a constant list of novel locations in the years after — complete of them successes.

Last year, Seth bought out the previous ownership group and became the chain’s owner. Today, La Prep has 50 locations across the country and Seth aims to double that number within the next four years.

Two years ago, Seth also launched a divorce restaurant concept — a unique Indian street food eatery based in Mississauga. Inspired by many of the traditional Indian dishes Seth’s father introduced to him during road trips and outings, Chaska offers a wealthy menu beyond what can subsist commonly organize at mainstream Indian eateries.

The concept is proving to subsist another hit. Seth has secured four novel locations to open Chaska in downtown Toronto in 2019, starting with one at the Atrium on Bay in January.

No matter what province he has worked in — textiles, retail, IT or the food service industry — the one common denominator for Seth has been a fervor to learn and a drive to succeed, traits he learned early from his father.

“I cogitate he would subsist proud. He wanted me to enact well,” Seth says.


Java Cryptography | allotment 3 | killexams.com actual questions and Pass4sure dumps

After you acquire secured your private electronic information using encryption and learned how to encrypt and digitally symptom files for others, how enact you extract the information and determine who encrypted the file? Asymmetric public/private key encryption allows you to decipher the information and verify the accompanying digital signature if it exists.

This article illustrates how to decrypt and verify the digital signature on files encrypted using a hybrid combination of asymmetric public/private key encryption and symmetric encryption. A symmetric key is used to encrypt the file and the asymmetric public key encrypts the symmetric key. The asymmetric private key decrypts the symmetric key which in gyrate is used to decrypt the encrypted file.

Figure1: Asymmetric Key Encryption Functions

The very pair of keys can subsist used with digital signatures. The private key is used to symptom a file and generate a digital signature. The public key is used to verify the authenticity of the signature.

Figure 2: Asymmetric Key Signature Functions

The decryption technique requires the Java libraries developed by the Legion of the Bouncy Castle (www.bouncycastle.org). The Bouncy Castle jars, bcprov-jdk15on-147.jar and bcpkix-jdk15on-147.jar, contains complete the methods required to encrypt, decrypt, symptom and verify a digital signature. The following Java code snippet loads the BouncyCastle provider, which implements the Java Cryptography Security services such as algorithms and key generation.

import org.bouncycastle.jce.provider.*;java.security.Security.addProvider(new BouncyCastleProvider());

Decryption for Files or Java ObjectsOnce a file has been encrypted and/or signed using the DocuArmor application, it can subsist deciphered by the owner of the matching asymmetric private key. The process involves reading the header, extracting the symmetric key and deciphering the appended encrypted data. The following steps along with the Java code snippets illustrate the process used to decrypt an encrypted file.

Step 1: Assume you want to decrypt the encrypted file, C:\sampleFile.txt.jxdoe_nnnn.asg and the String variable, tUniqueAlias = "jxdoe_nnnn", holds the alias associated to the encrypted file. Read the header from the encrypted file and determine decrypted output name.

File tSrcFile = novel File("C:\\sampleFile.txt." + tUniqueAlias + ".aes");String tDecryptFile = tSrcFile.getName();tDecryptFile = tDecryptFile.substring(0, tDecryptFile.lastIndexOf('.'));tDecryptFile = tDecryptFile.substring(0, tDecryptFile.lastIndexOf('.'));OutputStream tFileOStream = novel FileOutputStream(tDecryptFile);DataInputStream tDInStream =new DataInputStream(new FileInputStream(tSrcFile));Object tRC = CryptoHeader.readHeader(tDInStream);CryptoHeader tHead = (CryptoHeader)tRC;

Step 2: The private key is stored in a Java key store and is password protected. Load the key store using your password. Retrieve the asymmetric private key from the key store using the very password. The asymmetric private key will subsist used to decrypt the symmetric key.

FileInputStream tFIStream = novel FileInputStream("C:\\jxdoe_nnnn.jks");KeyStore tMyKStore = KeyStore.getInstance("JKS", "SUN");char[] tPW = "password".toCharArray();tMyKStore.load(tFIStream, tPW);PrivateKey tPrivKey = (PrivateKey)tMyKStore.getKey("jxdoe_nnnn", tPW);

Figure 3: Private Key

Step 3: Generate a Java Cipher object using the asymmetric private key and set its mode to "Cipher.UNWRAP_MODE".

Cipher tCipherRSA = Cipher.getInstance("RSA", "BC");tCipherRSA.init(Cipher.UNWRAP_MODE, (PrivateKey)tPrivKey);

Step 4: expend the Java Cipher and asymmetric private key to unwrap the symmetric key. It's located in the header at the instance variable, wrappedSymKey or wrappedSymKeyOther, along with symmetric algorithm at symKeyAlgDesc. The symmetric key will subsist used to decrypt the file.

String tAlg = tHead.symKeyAlgDesc();Key tSymmetricKey =tCipherRSA.unwrap(tHead.wrappedSymKey(),tAlg, Cipher.SECRET_KEY);

Figure 4: Unwrap Symmetric Key

Step 5: Re-initialize the very Cipher to Cipher.DECRYPT_MODE. expend the Cipher and the asymmetric private key to decrypt the initialization vector stored within the header at the instance variable initVector or initVectorOther.

tCipher.init(Cipher.DECRYPT_MODE, (PrivateKey)tPrivKey);byte[] tInitVector = tCipher.doFinal(tHead.initVector());IvParameterSpec tIvParmSpec = novel IvParameterSpec(tInitVector);

Figure 5: Unwrap Initialization Vector

Step 6: Generate a Java Cipher object using the symmetric key and initialization vector and set its mode to "Cipher.DECRYPT_MODE". The string representing the symmetric algorithm, mode and padding can subsist extracted from the Cryptography header using the "transformation" method.

tCipherDecrypt = Cipher.getInstance("AES/CTR/PKCS7Padding", "BC");or tCipherDecrypt = Cipher.getInstance(tHead.transformation(), "BC");tCipherDecrypt.init(Cipher.DECRYPT_MODE, tSymmetricKey, tIvParmSpec);

Step 7: expend the Java Cipher to decrypt the comfort of the file to a Java FileOutputStream. The DataInputStream points to the start of the encrypted data after reading the header. The End result is a decrypted file.

byte[] tInBuffer = novel byte[4096];byte[] tOutBuffer = novel byte[4096];int tNumOfBytesRead = tDInStream.read(tInBuffer);while (tNumOfBytesRead == tInBuffer.length) {//-Encrypt the input buffer data and store in the output bufferint tNumOfBytesUpdated =tCipherDecrypt.update(tInBuffer, 0, tInBuffer.length, tOutBuffer);tFileOStream.write(tOutBuffer, 0, tNumOfBytesUpdated);tNumOfBytesRead = tDInStream.read(tInBuffer);}//-Process the remaining bytes in the input file.if (tNumOfBytesRead > 0) {tOutBuffer = tCipherDecrypt.doFinal(tInBuffer, 0, tNumOfBytesRead);} else {tOutBuffer = tCipherDecrypt.doFinal();}tFileOStream.write(tOutBuffer, 0, tOutBuffer.length);tFileOStream.close();

Figure 6: Decipher the Encrypted File

Step 7a: If the encrypted file contains a Java object, expend the Java Cipher to decrypt the comfort of the file to a Java ByteArrayOutputStream instead of a FileOutputStream. The End result can subsist converted to an instance of its original Java class.

ByteArrayInputStream tBAIS = novel ByteArrayInputStream(tBAOS.toByteArray());  ObjectInput tOIS = novel ObjectInputStream(tBAIS);Object tObject = tOIS.readObject();  //-Original Java objecttBAOS.close();tBAIS.close();tOIS.close();

Alternatively, the very technique can subsist used to decrypt the encrypted file using the symmetric key that was wrapped with the CA or owner's asymmetric public key. If the file was encrypted for another user, the owner can decrypt it using the additionally wrapped symmetric key. If the file was encrypted for oneself, the CA can decrypt it using the additionally wrapped symmetric key in the enterprise version.

Signature VerificationWhen a file has been digitally signed with a user's asymmetric private key, the signature is stored in the Cryptography header. The signature can subsist validated with the user's matching asymmetric public key stored in a certificate. The process involves reading the header, extracting the digital signature and validating it against the comfort of the signed file and the asymmetric public key. The following steps picture the process used to verify a digital signature.

Step 1: Assume you want to verify the signature on the encrypted and digitally signed file, "C:\sampleFile.txt.jxdoe_nnnn.asg" and the String variable, tUniqueAlias = "jxdoe_nnnn", holds the alias associated to the file. Read the header from the signed file. After the header is read, maintain in mind that the DataInputStream now points to the dawn of the encrypted data.

File tSrcFile = novel File("C:\\sampleFile.txt." + tUniqueAlias + ".asg");DataInputStream tDInStream =new DataInputStream(new FileInputStream(tSrcFile));Object tRC = CryptoHeader.readHeader(tDInStream);CryptoHeader tHead = (CryptoHeader)tRC;byte[] tCurrSignature = tHead.signature();

Step 2: Retrieve the certificate whose cognomen is stored in the header and contains the asymmetric public key needed for verification. Retrieve the asymmetric public key from the certificate associated with the digital signature.

String tCertName = "C:\\" + tHead.verifySigCertName();InputStream tInStream = novel FileInputStream(tCertName);CertificateFactory tFactory = CertificateFactory.getInstance("X.509","BC");X509Certificate tCert =(X509Certificate)tFactory.generateCertificate(tInStream);tInStream.close();PublicKey tPubKey = tCert.getPublicKey();

Figure 7: Extract Public Key

Step 3: Instantiate a Java signature engine and initialize it with the signature algorithm stored in the header and the asymmetric public key. The default value is "SHA512WithRSAEncryption".

Signature tSgnVerifyEngine = null;String tSigAlg = tHead.signatureAlgDesc();tSgnVerifyEngine = Signature.getInstance(tSigAlg,"BC");tSgnVerifyEngine.initVerify(tPubKey);

Step 4: expend the Java signature engine to process the comfort of the signed file and design a hash number that will subsist compared with the signature stored in the header.

int tBlockSize = 4096;byte[] tBuffer = novel byte[tBlockSize];int tLength = tDInStream.read(tBuffer);while (tLength == tBlockSize) {tSgnVerifyEngine.update(tBuffer, 0, tBlockSize);tLength = tDInStream.read(tBuffer);} if (tLength > 0) {tSgnVerifyEngine.update(tBuffer, 0, tLength);}

Step 5: After the file has been processed, expend the Java signature engine to verify its result with the digital signature. A Boolean result is returned on whether the signature was valid.

Boolean tResult = tSgnVerifyEngine.verify(tCurrSignature);

SummaryThe article demonstrates how to decrypt and verify the digit signature of and encrypted file using Java Cryptography methods and the Cryptography libraries from Bouncy Castle organization. Using the information provided within the Cryptography header, the user can validate who encrypted its contents and/or decipher the encrypted file. The header also provides the flexibility to expand the usage of Cryptography such as allowing multiple recipients to decrypt a file by using each of their public keys to encrypt the very symmetric key. As society adopts file encryption as a touchstone pass of protection, more creative uses will subsist invented by future Cyber warriors.

The source code (LaCryptoJarSample.java) is available on the logical Answers Inc. website under the education web page as an individual file and also within the zip file, laCrypto-4.2.0.zipx.

References and Other Technical NotesSoftware requirements:

  • Computer running Windows XP or higher...
  • Java Runtime (JRE V1.7 or higher)
  • Recommended reading:

  • "Beginning Cryptography with Java" by David Hook.
  • "The Code Book" by Simon Singh

  • PCI DSS questions answered: Solutions to tough PCI problems | killexams.com actual questions and Pass4sure dumps

    During their recent virtual seminar, PCI DSS 2.0: Why the latest update matters to you, experts Ed Moyle and Diana...

    Kelley of SecurityCurve were unable to reply complete of the PCI DSS questions they received during their live question-and-answer session. SearchSecurity.com has asked them to give brief responses to each of the unanswered questions, and we've published those questions and responses below to relieve you resolve your unique PCI problems.

    For additional information about the Payment Card Industry Data Security Standard, visit SearchSecurity.com's PCI DSS resources page.

  • Where can they find information about PCI DSS compliance that is focused on those of us who are "Mom & Pop" shops?Since most minuscule organizations plunge into the self-assessment category, a distinguished resource is the Security Standards Council SAQ (Self-Assessment Questionnaire) section. Specifically these documents:

    SAQ main page

    PCI DSS SAQ instructions and guidelines

    SAQ: How it complete fits together

    SAQ A-D and Guidelines

  • It seems the necessity of PCI compliance hasn't fully penetrated the Asian markets. enact you acquire any suggestions on how to achieve compliance for companies who enact commerce in Asia, where adjusting to PCI standards aren't a priority?Companies should subsist compliant regardless of where the payment information is stored, processed or transmitted. Even if processors in a particular locale aren't as focused on the standard, the companies (merchants/retailers) with operations in those locales should implement the very controls as they enact in other areas of the globe.

  • If card data is entered via the virtual terminal of a third-party on a desktop PC where wireless is not enabled, enact I requisite wireless scans?All wireless networks within the CDE (cardholder data environment) requisite to subsist scanned pursuant to the PCI DSS wireless guidelines provided by the Council. If audit and test findings authenticate there is no wireless on the virtual terminal and there is no wireless within the CDE, additional scans are not required (for example, note that the wireless scanning requirement is not addressed in SAQ C-VT specific to virtual terminal-only environments). Note, however, that if you expend other devices beyond just the virtual terminal to store/process/transmit cardholder data (such as a PoS on your network), you will acquire to scan.

  • Is there a touchstone for isolating non-compliant custom systems that enact not acquire a newer PCI-compliant version available? Let's assume this would subsist a software package without encryption in its database.There are two standards for payment software – the PA DSS for commercial software and the PCI DSS for commercial software with significant customization and custom software. If the custom software is saving PANs in an unencrypted format, it is non-compliant with PCI DSS. The best options are to desist saving the PANs and expend an alternative -- relish masking, tokens or other unique identifier -- or find a pass to encrypt the PAN data before it enters the database. If this is not possible, create a document explaining why, list compensating controls (such as increased monitoring and access control) and attach in situation a road map for mitigating or eliminating the problem. Although the compensating controls/road map will not add up to a fully compliant RoC or SAQ, it does prove responsible faith on the allotment of the company to toil towards correcting the problem.

  • In terms of a policy strategy, should an enterprise's existing information security policies subsist amended to comprise PCI requirements, or enact the requirements requisite to subsist addressed in PCI-specific policies?In most cases the CDE (cardholder data environment) under PCI is a very minuscule portion of the network and should subsist clearly zoned off from the comfort of the corporate network activities. As a divorce allotment of the network, a unique policy (or policy set) should apply for that zone. So PCI-specific policies should exist. However, parts of existing policy – for case tough password controls and reset – can subsist re-used in the PCI-specific policies where applicable.

  • Regarding encryption in requirement 3, if the decryption key is not present in the cardholder environment, is the system out of the scope of PCI?In the FAQ section of the Council site it states: "Encrypted data may subsist deemed out of scope if, and only if, it has been validated that the entity that possesses encrypted cardholder data does not acquire the means to decrypt it." So if the entity does not acquire the key, that data may subsist deemed out of scope.

  • Does PCI require verification that there are no rogue wireless access points that may acquire connected to the POS network?Yes. From the Council's Wireless Guidance: "These are requirements that complete organizations should acquire in situation to protect their networks from attacks via rogue or unknown wireless access points (APs) and clients. They apply to organizations regardless of their expend of wireless technology and regardless of whether the wireless technology is a allotment of the CDE or not." And, "The purpose of PCI DSS requirement 11.1 is to ensure an unauthorized or rogue wireless device introduced into an organization's network does not allow unmanaged and unsecured WLAN access to the CDE. The intent is to forestall an attacker from using rogue wireless devices to negatively repercussion the security of cardholder data. In order to combat rogue WLANs, it is acceptable to expend a wireless analyzer or a preventative control such as a Wireless Intrusion Detection/Prevention System (IDS/IPS) as defined by the PCI DSS."

  • Where is cataclysm recovery and commerce continuity planning covered in the PCI DSS requirements, or is it?Disaster recovery and BCP are not explicitly called out in the 2.0 version of PCI DSS; however, incident response planning is. "12.5.3 - Establish, document, and deal security incident response and escalation procedures to ensure timely and effective handling of complete situations." also in the Penetration Testing supplement it states: "Perform testing in accordance with captious company processes including change control, commerce continuity, and cataclysm recovery." And, in the Application Reviews and Web Application Firewalls Clarified it states: "Adhere to complete policies and procedures including change control, commerce continuity, and cataclysm recovery."

  • Would you define "scope" as the geographical zone of the PCI servers? Or would you define "scope" as the SAQ requirements? It seems at times they are used interchangeably.The scope of the audit surface is the cardholder data environment (CDE). The CDE is "The people, processes and technology that store, process or transmit cardholder data or sensitive authentication data, including any connected system components." So any system component in the CDE is in scope regardless of geographic location.

  • Shared accounts are prohibited according to PCI DSS as I understand it, but imagine if you acquire your network equipment management outsourced and the firewalls and switches for the cardholder environment are managed by a third party or a service supplier. In this scenario, you would requisite two-factor authentication for administrative access to the CHE, but what if the service provider/supplier has several technicians and you are using RSA tokens? enact you acquire to supply one authentication account and one RSA token per technician? Or is it necessary only to supply one account and one RSA token for the service provider/supplier? You're perquisite that shared accounts are prohibited by PCI DSS; Requirement 8 states: "Assign a unique ID to each person with computer access." Strictly speaking, to subsist compliant, a unique ID and two-factor token would requisite to subsist assigned for each person remotely administering the firewalls and switches.

  • Can you speak to some of the feedback you acquire received from clients who acquire implemented a tokenization product, including some of the key areas to focus on when selecting a vendor?We've received positive feedback from companies that expend tokenization in the CDE to reduce scope. One that they spoke to and acquire mentioned publicly is Helzberg Diamond Shops, Inc.. However, they caution that to subsist completely effective, organizations requisite to also address scope reduction and zoning, document the tokenization implementation so it can subsist reviewed during audit, and authenticate with your acquirer/processor that tokenization is acceptable. For vendor selection, the Council is working on tokenization guidance, but Visa Inc.has already issued its recommended guidance, Tokenization Best Practices.
  • Speaking from a university standpoint, they rob credit cards in many ways -- POS, Internet, MOTO – but they expend only PA-DSS applications and they are hosted by a service provider, so they enact not store any CHD. Their CHDE is really the PCs (and network) where the card data is entered or swiped. They acquire segmented complete system components (PCs where CHD is entered or swiped) away from their regular network. It appears that many of the PA-DSS requirements are in reference to "stored" credit card data. Can you give me some recommendation on how to determine how much of the requirements apply to us given that they enact not store CHD? They acquire secured complete components that acquire CHD entered and they are running PA-DSS-compliant applications.Sounds relish you've done a lot of distinguished scoping work. The PA-DSS applies to applications, but entities still requisite to subsist PCI DSS compliant. Since your applications are already PA-DSS compliant, focus instead on what matters to your university, which is attesting to PCI DSS compliance. If your transactions levels qualify you for self-assessment review, the self-assessment guidelines (please view question 1 for more information) and determine which one applies and complete that. In general, if you plunge under multiple SAQs your acquirer/processer will want you to complete SAQ –D. However, to subsist sure, check with your acquirer/processor to confirm.
  • Can you tender recommendation on what to search for for in an internal audit and reporting product for PCI DSS compliance?There are multiple audit and reporting appliance types that can subsist used in PCI DSS compliance. For example, a penetration testing system will return reports on vulnerabilities and exposures in the CDE, while a patching system will return reports on patch information, both of which apply. In many cases, when organizations cogitate about a meta-console for reporting, it is a log or event/information aggregation console that brings together multiple reporting components for expend in PCI DSS compliance work. For any tool, search for for the ability to check for issues specific to PCI DSS (ex: password policy on servers and applications in the CDE) and report on these in a template that maps the finding to the specific requirement.

  • I acquire a question about PCI and the cloud. They are a PCI flush 1 merchant. They are thinking of touching their data center to cloud, Amazon to subsist specific. They understand that Amazon is PCI flush 1 compliant. Is it really possible to subsist a PCI-compliant flush 1 merchant in a cloud environment? enact you acquire any guidance regarding PCI in a cloud environment?Amazon.com Inc. (Amazon Web Services – AWS) is, as of this writing, a PCI DSS Validated Service Provider. However, using AWS, or any Validated Service Provider, does not eliminate the requisite to entity using the service to subsist PCI DSS compliant . As Amazon notes, "All merchants must manage their own PCI certification. For the portion of the PCI cardholder environment deployed in AWS, your QSA can dependence on their validated service provider status, but you will still subsist required to meet complete other PCI compliance and testing requirements that don't deal with the technology infrastructure, including how you manage the cardholder environment that you host with AWS." So while a cloud provider can subsist third party validated as a PCI DSS provider, this doesn't add up to they're certified to PCI or that entities using the service are automatically certified.

    If you are going to host some or complete of your CDE in the cloud, enact so with a compliant provider. However, don't forget to annually check that the provider is remaining compliant with your CDE, as well as the parts of your CDE that are hosted in the cloud. Additionally, according to the PCI Security Standards, your RoC must "document the role of each service provider, clearly identifying which requirements apply to the assessed entity and which apply to the service provider." And:

    "12.8 – If cardholder data is shared with service providers, maintain and implement policies and procedures to manage service providers, to comprise the following:

    12.8.1 – Maintain a list of service providers.

    12.8.2 –Maintain a written agreement that includes an acknowledgement that the service providers are responsible for the security of cardholder data that the service providers possess.

    12.8.3 - Ensure there is an established process for engaging service providers including proper due diligence prior to engagement.

    12.8.4 - Maintain a program to monitor service providers' PCI DSS compliance status at least annually"

  • In exertion to ensure PCI compliance, they acquire a number of different products from different vendors, since there does not look to subsist one plenary PCI compliance "solution." Is this by design? Is there any edge to having each requirement met by a different vendor's product?There are a number of components in PCI compliance and they encompass people, process and technology, and span both the physical and the logical. Also, complete of the documentation related to policies and process. It would subsist extremely difficult (arguably impossible) for a unique solution to enact it all. The reality is that organizations expend a number of different vendor solutions for the technical controls.

    Some vendors provide products that meet different controls. For example, a vendor with a log aggregation or SIEM appliance that also sells antivirus/malware or patch management. The expansive win is not necessarily to acquire complete tools (or many tools) from the very vendor, but to subsist able to bring together reporting, logs, test and monitoring information in a centralized situation to design oversight and compliance monitoring more comprehensive and efficient.

  • How can companies deal with convene recordings in the convene center when taking card payments by phone? Are there any mitigating factors?Because there is not a lot of convene center guidance in the PCI DSS, the Council addressed convene center issues in a special FAQ #5362. "The Council's position remains that if you can digitally query sensitive authentication data (SAD) contained within audio recordings - if downhearted is easily accessible - then it must not subsist stored."

    Though this is not hosted on the PCI Security touchstone Council Domain -- it is the official FAQ for the Council and can subsist accessed directly by clicking in the FAQs link at the top of the official Council page.

    Also, please view question below for additional information on storage rules regarding sensitive authentication data (SAD).

  • Our call-recording solution requires manual intervention to bleep out the CV2 number. Is this adequate as a compensating control to meet the standard?

    If the CV2 (or any other sensitive authentication data/SAD) is not stored, this should meet the standard. Document how the manual process is implemented to ensure downhearted is truly being deleted and not stored.

    Alternately, according to PCI Security Standards Council FAQ "If these recordings cannot subsist data mined, storage of CAV2, CVC2, CVV2 or CID codes after authorization may subsist permissible as long as confiscate validation has been performed. This includes the physical and logical protections defined in PCI DSS that must still subsist applied to these convene recording formats."

  • If you acquire backups of credit card data in a secure location, is that a violation? How can it subsist mitigated?It's not a violation -- it is allotment of a requirement! Requirement 9.5 explicitly states: "Store media back-ups in a secure location, preferably an off-site facility, such as an alternate or back-up site, or a commercial storage facility. Review the location's security at least annually." bethink to design confident the data was encrypted before it was backed up and that the personnel at the facility enact not acquire the key to decrypt the data.

  • What are the rules for external scanning?External scanning is covered in Requirement 11.2.2 – "Perform quarterly external vulnerability scans via an Approved Scanning Vendor (ASV), approved by the Payment Card Industry Security Standards Council (PCI SSC).

    Note: Quarterly external vulnerability scans must subsist performed by an Approved Scanning Vendor (ASV), approved by the Payment Card Industry Security Standards Council (PCI SSC). Scans conducted after network changes may subsist performed by internal staff." 

    See the PCI Security touchstone for a list of ASVs

    Also helpful is the ASV Program Guide, and the ASV Client Feedback Form

  • PCI 2.0 lightly touches upon virtualization for the first time. Does this extend beyond virtual machine images to virtual appliances (e.g. expend of virtual firewalls & virtual switches in hosted products)?Yes, according to the Scope of Assessment for Compliance it does extend to virtual appliances. "System components" in v2.0 include, "any virtualization components such as virtual machines, virtual switches/routers, virtual appliances, virtual applications/desktops, and hypervisors." also note that virtualization is mentioned in Requirement 2.2.1: Implement only one primary role per server, "Note: Where virtualization technologies are in use, implement only one primary role per virtual system component."

  • Is a system that is not holding the cardholder data, but only processing it (like a Web farm) a allotment of PCI audit requirements?Yes, if a system component stores, processes or transmits cardholder data or sensitive authentication data, it is allotment of the CDE and within scope of the PCI DSS audit. For additional guidance, advert to the Scope of Assessment for Compliance with PCI DSS requirements section of PCI DSS v2.0.

  • When enact companies acquire to switch over to PCI 2.0?For the absolute final word on compliance deadlines, check with your acquirer or specific card brand. In general, however, v2.0 went into sequel on January 1, 2011 and there is a year to comply with the novel standard. If you are in the middle of an assessment cycle that started in 2010 and the compliance assessment will subsist completed before the End of 2011, you can continue the process with v1.2.1. If you a starting a novel assessment cycle in 2011, expend v2.0.

  • If an organization has filled out the self assessment questionnaire (SAQ) and identified that it has not complied with the 12 DSS requirements, should the SAQ still subsist submitted? Or should the organization wait until the 12 requirements acquire been satisfied?Before admitting defeat, view if there is any pass your organization can amass to subsist compliant. Don't forget, if a non-compliant system or process is not essential, it could subsist scoped out of the CDE and out of the compliance surface. also don't forget about compensating controls. The pattern is to subsist fully compliant, but compensating controls provide a pass for organizations to subsist mitigating risks as they toil towards implementing better controls.

    According to the Compensating Controls Appendix B in SAQ D v2.0: "Compensating controls may subsist considered for most PCI DSS requirements when an entity cannot meet a requirement explicitly as stated, due to legitimate technical or documented commerce constraints, but has sufficiently mitigated the risk associated with the requirement through implementation of other, or compensating, controls." Also, there is a compensating control worksheet that needs to subsist completed in Appendix C of the SAQ D v2.0.

    If de-scoping the non-compliant system and compensating controls are not options, then you will requisite to check the "Non-Compliant" box on the SAQ and attach in a target date for compliance. In most cases, your acquirer/processor will want to view this proof, and possibly hunt information from your organization to fill out the "Action Plan" allotment of the SAQ; however, check with your acquirer/processor to subsist sure.

  • Let's talk about the mythical beast that is end-to-end encryption. Does it exist? More specifically, one of their audience members asked, "What if end-to-end encryption from the pin pad / card swipe POS is implemented? Does that rob everything out of PCI scope?"The Council is calling this P2PE for point-to-point encryption. significance turning the cardholder data into ciphertext (encrypting it) and then transmitting it, encrypted to a destination, for example, the payment processor. If the P2PE begins on swipe by cashier of the credit card at the PoS (point of sale) and continues complete the pass to the processor, it is not stored, and no one in the interim path has the keys to decrypt the data, then it could reduce the scope of the audit surface significantly. Caveats here are that everything will requisite to subsist implemented correctly, validated and tested. However, note that the entity still must subsist PCI DSS compliant – though compliance may subsist greatly simplified. And, at this time, the PCI Security Standards Council still deems P2PE an emerging technology and is formalizing official guidance, training QSAs on how to evaluate material P2PE components, as well as considering creating a validated list of P2PE solutions. For more information on the status of P2PE, please read the Initial Roadmap: Point-to-Point Encryption Technology and PCI DSS Compliance program guide.

  • Under what circumstances can an internal audit certify a merchant as being PCI compliant?If the merchant qualifies for SAQ completion, internal audit can subsist responsible for the assessment and attestation process. "Each payment card brand has defined specific requirements for compliance validation and reporting, such as provisions for performing self-assessments and when to engage a QSA."

    If the merchant must complete a RoC, it is possible to enact the on-site assessment with an internal resource if the brand allows it. Check with your brand for specifics, Mastercard Inc., for example, has deemed that as of June 30, 2011, the "primary internal auditor staff engaged in validating PCI DSS compliance [must] attend PCI SSC ISA Training and pass the associated accreditation program annually."

  • What PCI and security implications enact you anticipate arising with the novel generation of contact-less cards, given that they are now being widely distributed?If the data can subsist transmitted in a secure encrypted format over the RF from the contact-less card to a secure endpoint, the data should not subsist exposed. However, if the data from the card is in clear-text over the air, sniffing attacks will subsist a major concern. Also, key management and MiTMs may subsist problems depending on specific technical implementations.

  • Are quarterly penetration tests still required for wireless access points that are using WPA-2?Yes, quarterly tests are required. Requirement 11.1 covers complete known/unknown wireless access points regardless of protections on them. "11.1 - Test for the presence of wireless access points and detect unauthorized wireless access points on a quarterly basis." The judgement for this is that one of the intents of this requirement is to ensure there are no rogue devices in the CDE.

  • Does Citrix sessioning between payment apps and hosted sites provide adequate encryption for PCI compliance?If the session is configured to transmit the data between the payment apps and the hosted site using an approved pass (ex: SSL/TLS ) then it should subsist compliant for at least the transmission portion of the standard.

    Requirement 4.1 -- "Use tough cryptography and security protocols (for example, SSL/TLS, IPSEC, SSH, etc.) to safeguard sensitive cardholder data during transmission over open, public networks."

  • How much are organizations spending on PCI compliance? Can you provide a sweep both for one-time costs and annual maintenance?There are two sides to this coin: cost of the audit and cost of compliance overall.
  • Audit cost: According to a recent Ponemon survey on PCI DSS trends (.pdf), the indifferent cost of the audit itself is $225,000 for the largest (Tier 1) merchants, but the cost can sweep much higher or lower depending on complexity of the environment, size of the CDE, and other factors .

  • Overall cost of compliance: In 2008, Gartner conducted a survey of 50 merchants and organize that PCI costs had been increasing since 2006 (Gartner.com registration required) and cited costs averaging 2.7M for Tier 1 merchants, 1.1M for Tier 2, and 155k for Tier 3. Again, these are averages, so your particular case might subsist different.
  • Requirement 2.2.1 mandates that captious servers provide a single-purpose service. If I acquire a unique server hosting an e-commerce application with a Web server and database residing on a physical server, enact I requisite to situation the database on a divorce server?Yes, in most cases. Requirement 2.2.1 – "Implement only one primary role per server to forestall functions that require different security levels from co-existing on the very server." The intent of this requirement is to provide some protections if the underlying host, in this case the operation system running the database and e-commerce application is breached, causing one or both of the services to subsist exposed to attack. VMs are now allowed, so the very piece of hardware could subsist used with a hypervisor to divorce the two services across two VMs. Alternately, if there is a captious commerce need, such as performance, for both primary functions to subsist on the very server, consider if this justifies a compensating control by completing the compensating control worksheet (Appendix C of the PCI DSS).
  • About the author:Ed Moyle is currently a manager with CTG's Information Security Solutions practice, providing strategy, consulting, and solutions to clients worldwide as well as a founding confederate of SecurityCurve.

    Diana Kelley is a confederate with Amherst, N.H.-based consulting firm SecurityCurve. She formerly served as vice president and service director with research firm Burton Group. She has extensive flavor creating secure network architectures and commerce solutions for large corporations and delivering strategic, competitive erudition to security software vendors.



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