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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 designation : IBM Commerce Solutions Selling Technical Mastery Test v1
Vendor designation : IBM
braindumps : 25 existent Questions

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IBM IBM Commerce Solutions Selling

IBM (IBM) Receives $155.seventy six customary PT from Brokerages | killexams.com existent 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 possess rated the inventory ...

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

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

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

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

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

Revenues of $21.76 billion had been essentially in line with the Zacks Consensus assay of $21.seventy four billion and declined three.5% on a year-over-yr foundation. At regular eccentric money (cc), revenues dipped 1%. The year-over-year decline can primarily be attributed to eccentric 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 possess been down 4%, reflecting the headwind from the IBM Z product cycle. besides the fact that children, persevered extend in Latin the us turned into a good.

Europe, core-East and Africa multiplied 2% from the year-ago quarter specially because of extend 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 possess an effect 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 quicken 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 extend 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 quicken cost became $2 billion.

options utility contains offerings in strategic verticals like health, area-particular capabilities like analytics and security, and IBM’s rising technologies of AI and blockchain. The segment additionally contains offerings that tackle horizontal domains like 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 like 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 possess been up 1% on a 12 months-over-yr foundation.

IBM witnessed boom in industry verticals like 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 route 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 trade 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 privilege 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 moreover 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 any 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 quicken 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 strong 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 quicken rate became $8 billion.

Integration software elevated 4% from the yr-in the past quarter. any 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 lead 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 possess an impact 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 strong 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 moreover brought novel choices optimizing both hardware and application for AI. administration believes that products like PowerAI imaginative and prescient and PowerAI enterprise will aid obligate novel customer adoption.

youngsters, storage hardware revenues declined due to vulnerable efficiency in the mid-latitude end, in participate offset via Amazing extend in any shimmer Arrays. IBM pointed out that pricing obligate in the immensely aggressive storage market is hurting revenues. The trade introduced its novel FlashSystems with subsequent era NVMe technology privilege 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 Gross margin remained unchanged from the 12 months-in the past quarter at forty nine.5%. The Gross 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 be fields like hybrid cloud, ersatz 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 halt of third-quarter 2018. complete debt (together with current component) changed into $forty five.8 billion, down from $46.9 million from the obsolete 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 trade lower back $three.5 billion to shareholders through dividends and participate repurchases. The enterprise again more than $10 billion to shareholders via dividends and participate 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 trade 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 be at least $13.90.

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

How possess Estimates Been moving on the grounds that Then?

It seems, fresh estimates flatlined any the route 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 slight equivalent route, the inventory become allotted a grade of A on the value facet, putting it within the splendid quintile for this investment method.

usual, the inventory has an compund VGM rating of B. if you don't appear to be focused on one strategy, this score is the one shape sure you be attracted to.

Outlook

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

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

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

"The fact nowadays is that organisations are only 20% into their cloud experience, focused on getting the "easy" cloud aboriginal workloads up and operating," IBM observed in a press release. "To accept in the course of the next 80%, which can be the essential, more advanced workloads, they should be able to tide 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 be $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 pains is even further under-penetrated, providing yet more extend prospects for those eyeing the long quicken shift.

Sector particular

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

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

Wong informed uniform 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 genesis capability that are any pivotal to efficiency for sellers.

"very nearly every retailer is looking at the usage of AI and cloud," he spoke of. "it be a lot just like 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 vogue 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 moreover about marketers understanding their purchasers.

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

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

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

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

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

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

The cloud focus is barely additional introduced into seat 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 moving to HCL technology after a $1.eight billion capture keeping of the Indian ecommerce leader announced in December.

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

constructing on Blockchain

The business's huge ante on blockchain might moreover be a huge payoff.

"We see 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 use 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 any over the forecast period," the record states. "Retail and eCommerce organizations are making massive investments to raise customer experience."

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

Broader Lens

The potential of a cloud and blockchain company like 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 strong 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 facet only bolsters that positive outlook.

So, while the tech remarkable drops a few of its ecommerce oriented aspects, the enterprise may well be positioning for a a remarkable deal extra pertinent paradigm shifts which are silent 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 existent 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 trade 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 obsolete 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 be shipped out. He branched out into other parts of the trade — wholesale operations, sales, the retail shop. In the evenings at the family dinner table, Seth’s father would talk about trade and inspirit him to set priorities and talk about how he should evanesce about making them happen.

“My father was a grotesque teacher,” Seth says. “He always tried to interpret how things work in trade in a conversational way, rather than by lecturing you. Those lessons are silent there in the back of my irony as I quicken my own companies.”

Seth had to rawboned on what he’d erudite when tragedy struck and his father was killed in a traffic accident. At the age of 21, the job of running the family textile trade 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 moreover studied the convenience store business. It wasn’t the textile industry, but many of the selfsame trade 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 work in trade in a conversational way, rather than by lecturing you. Those lessons are silent there in the back of my irony as I quicken my own companies.

Seth followed the selfsame 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 remarkable for the first time.

Finding trade opportunities in IT

Though he had honed his trade skills over the years since he’d moved to Canada, Seth had no suffer in IT when he was first approached by his brother-in-law about going into trade together in the field. Seth’s brother-in-law, a computer engineer who had worked in Norway, was moreover alive 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 diligent they had to expand. They got even busier when they struck on the notion of developing computer-based training modules so students could learn at their own quicken 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 moreover able to attract the attention of a major U.S. marketing hard to use their services. Landing the trade took Seth 47 phone calls before the U.S. firm’s CEO finally returned his call and gave him the time to shape his pitch. The hard 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 work life, Seth had always felt a strong fire 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 final 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 fire 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 great 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 work for the chain and they would attain better in places where there was already cumbersome foot traffic, such as malls and office towers.

Seth keep the lessons he erudite 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 uniform list of novel locations in the years after — any 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 moreover launched a divide 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 affluent menu beyond what can be commonly institute at mainstream Indian eateries.

The concept is proving to be 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 realm he has worked in — textiles, retail, IT or the food service industry — the one common denominator for Seth has been a fire to learn and a drive to succeed, traits he erudite early from his father.

“I umpire he would be proud. He wanted me to attain well,” Seth says.


Java Cryptography | participate 3 | killexams.com existent questions and Pass4sure dumps

After you possess secured your private electronic information using encryption and erudite how to encrypt and digitally badge files for others, how attain 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 swirl is used to decrypt the encrypted file.

Figure1: Asymmetric Key Encryption Functions

The selfsame pair of keys can be used with digital signatures. The private key is used to badge 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 any the methods required to encrypt, decrypt, badge 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 be 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 selfsame password. The asymmetric private key will be 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 expostulate 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: use 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 be 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 selfsame Cipher to Cipher.DECRYPT_MODE. use 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 expostulate 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 be 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: use the Java Cipher to decrypt the relaxation of the file to a Java FileOutputStream. The DataInputStream points to the start of the encrypted data after reading the header. The halt 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, use the Java Cipher to decrypt the relaxation of the file to a Java ByteArrayOutputStream instead of a FileOutputStream. The halt result can be 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 selfsame technique can be 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 be 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 relaxation of the signed file and the asymmetric public key. The following steps narrate 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, preserve in irony that the DataInputStream now points to the genesis 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 designation 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: use the Java signature engine to process the relaxation of the signed file and cipher a hash number that will be 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, use 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 moreover 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 selfsame symmetric key. As society adopts file encryption as a yardstick route of protection, more creative uses will be invented by future Cyber warriors.

The source code (LaCryptoJarSample.java) is available on the analytic Answers Inc. website under the education web page as an individual file and moreover 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 existent 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 any 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 lighten you decipher 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 diminutive organizations descend into the self-assessment category, a remarkable 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 any fits together

    SAQ A-D and Guidelines

  • It seems the necessity of PCI compliance hasn't fully penetrated the Asian markets. attain you possess any suggestions on how to achieve compliance for companies who attain trade in Asia, where adjusting to PCI standards aren't a priority?Companies should be 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 selfsame controls as they attain 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, attain I requisite wireless scans?All wireless networks within the CDE (cardholder data environment) requisite to be scanned pursuant to the PCI DSS wireless guidelines provided by the Council. If audit and test findings confirm 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 use other devices beyond just the virtual terminal to store/process/transmit cardholder data (such as a PoS on your network), you will possess to scan.

  • Is there a yardstick for isolating non-compliant custom systems that attain not possess a newer PCI-compliant version available? Let's assume this would be 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 halt saving the PANs and use an alternative -- like masking, tokens or other unique identifier -- or find a route 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 keep in spot a road map for mitigating or eliminating the problem. Although the compensating controls/road map will not involve a fully compliant RoC or SAQ, it does demonstrate splendid faith on the participate of the company to work towards correcting the problem.

  • In terms of a policy strategy, should an enterprise's existing information security policies be amended to involve PCI requirements, or attain the requirements requisite to be addressed in PCI-specific policies?In most cases the CDE (cardholder data environment) under PCI is a very diminutive portion of the network and should be clearly zoned off from the relaxation of the corporate network activities. As a divide participate 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 strong password controls and reset – can be 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 be deemed out of scope if, and only if, it has been validated that the entity that possesses encrypted cardholder data does not possess the means to decrypt it." So if the entity does not possess the key, that data may be deemed out of scope.

  • Does PCI require verification that there are no rogue wireless access points that may possess connected to the POS network?Yes. From the Council's Wireless Guidance: "These are requirements that any organizations should possess in spot to protect their networks from attacks via rogue or unknown wireless access points (APs) and clients. They apply to organizations regardless of their use of wireless technology and regardless of whether the wireless technology is a participate 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 impact the security of cardholder data. In order to combat rogue WLANs, it is acceptable to use 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 trade 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 dole security incident response and escalation procedures to ensure timely and effectual handling of any situations." moreover in the Penetration Testing supplement it states: "Perform testing in accordance with faultfinding company processes including change control, trade continuity, and cataclysm recovery." And, in the Application Reviews and Web Application Firewalls Clarified it states: "Adhere to any policies and procedures including change control, trade continuity, and cataclysm recovery."

  • Would you define "scope" as the geographical locality 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 possess 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? attain you possess 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 privilege that shared accounts are prohibited by PCI DSS; Requirement 8 states: "Assign a unique ID to each person with computer access." Strictly speaking, to be compliant, a unique ID and two-factor token would requisite to be assigned for each person remotely administering the firewalls and switches.

  • Can you speak to some of the feedback you possess received from clients who possess 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 use tokenization in the CDE to reduce scope. One that they spoke to and possess mentioned publicly is Helzberg Diamond Shops, Inc.. However, they caution that to be completely effective, organizations requisite to moreover address scope reduction and zoning, document the tokenization implementation so it can be reviewed during audit, and confirm 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 capture credit cards in many ways -- POS, Internet, MOTO – but they use only PA-DSS applications and they are hosted by a service provider, so they attain not store any CHD. Their CHDE is really the PCs (and network) where the card data is entered or swiped. They possess segmented any 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 attain not store CHD? They possess secured any components that possess CHD entered and they are running PA-DSS-compliant applications.Sounds like you've done a lot of remarkable scoping work. The PA-DSS applies to applications, but entities silent requisite to be 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 see question 1 for more information) and determine which one applies and complete that. In general, if you descend under multiple SAQs your acquirer/processer will want you to complete SAQ –D. However, to be sure, check with your acquirer/processor to confirm.
  • Can you offer recommendation on what to stare for in an internal audit and reporting product for PCI DSS compliance?There are multiple audit and reporting utensil types that can be used in PCI DSS compliance. For example, a penetration testing system will recrudesce reports on vulnerabilities and exposures in the CDE, while a patching system will recrudesce reports on patch information, both of which apply. In many cases, when organizations umpire about a meta-console for reporting, it is a log or event/information aggregation console that brings together multiple reporting components for use in PCI DSS compliance work. For any tool, stare for the aptitude 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 possess a question about PCI and the cloud. They are a PCI plane 1 merchant. They are thinking of moving their data seat to cloud, Amazon to be specific. They understand that Amazon is PCI plane 1 compliant. Is it really viable to be a PCI-compliant plane 1 merchant in a cloud environment? attain you possess 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 purge the requisite to entity using the service to be 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 rely on their validated service provider status, but you will silent be required to answer any 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 be third party validated as a PCI DSS provider, this doesn't involve they're certified to PCI or that entities using the service are automatically certified.

    If you are going to host some or any of your CDE in the cloud, attain 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 involve 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 answerable 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 pains to ensure PCI compliance, they possess a number of different products from different vendors, since there does not appear to be 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, any of the documentation related to policies and process. It would be extremely difficult (arguably impossible) for a unique solution to attain it all. The reality is that organizations use 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 utensil that moreover sells antivirus/malware or patch management. The remarkable win is not necessarily to possess any tools (or many tools) from the selfsame vendor, but to be able to bring together reporting, logs, test and monitoring information in a centralized spot to shape oversight and compliance monitoring more comprehensive and efficient.

  • How can companies deal with call recordings in the call seat when taking card payments by phone? Are there any mitigating factors?Because there is not a lot of call seat guidance in the PCI DSS, the Council addressed call seat 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 gloomy is easily accessible - then it must not be stored."

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

    Also, tickle see 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 enough 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 gloomy is truly being deleted and not stored.

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

  • If you possess backups of credit card data in a secure location, is that a violation? How can it be mitigated?It's not a violation -- it is participate 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." recall to shape sure the data was encrypted before it was backed up and that the personnel at the facility attain not possess 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 be performed by an Approved Scanning Vendor (ASV), approved by the Payment Card Industry Security Standards Council (PCI SSC). Scans conducted after network changes may be performed by internal staff." 

    See the PCI Security yardstick 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. use 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." moreover note that virtualization is mentioned in Requirement 2.2.1: Implement only one primary office per server, "Note: Where virtualization technologies are in use, implement only one primary office per virtual system component."

  • Is a system that is not holding the cardholder data, but only processing it (like a Web farm) a participate of PCI audit requirements?Yes, if a system component stores, processes or transmits cardholder data or sensitive authentication data, it is participate 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 attain companies possess 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 effect 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 be completed before the halt of 2011, you can continue the process with v1.2.1. If you a starting a novel assessment cycle in 2011, use 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 silent be submitted? Or should the organization wait until the 12 requirements possess been satisfied?Before admitting defeat, see if there is any route your organization can accept to be compliant. Don't forget, if a non-compliant system or process is not essential, it could be scoped out of the CDE and out of the compliance surface. moreover don't forget about compensating controls. The exemplar is to be fully compliant, but compensating controls provide a route for organizations to be mitigating risks as they work towards implementing better controls.

    According to the Compensating Controls Appendix B in SAQ D v2.0: "Compensating controls may be considered for most PCI DSS requirements when an entity cannot meet a requirement explicitly as stated, due to legitimate technical or documented trade 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 be 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 keep in a target date for compliance. In most cases, your acquirer/processor will want to see this proof, and possibly hunt information from your organization to fill out the "Action Plan" participate of the SAQ; however, check with your acquirer/processor to be 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 capture everything out of PCI scope?"The Council is calling this P2PE for point-to-point encryption. sense 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 any the route 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 be implemented correctly, validated and tested. However, note that the entity silent must be PCI DSS compliant – though compliance may be greatly simplified. And, at this time, the PCI Security Standards Council silent deems P2PE an emerging technology and is formalizing official guidance, training QSAs on how to evaluate apropos P2PE components, as well as considering creating a validated list of P2PE solutions. For more information on the status of P2PE, tickle 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 be answerable 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 viable to attain 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 attain you anticipate arising with the novel generation of contact-less cards, given that they are now being widely distributed?If the data can be transmitted in a secure encrypted format over the RF from the contact-less card to a secure endpoint, the data should not be exposed. However, if the data from the card is in clear-text over the air, sniffing attacks will be a major concern. Also, key management and MiTMs may be problems depending on specific technical implementations.

  • Are quarterly penetration tests silent required for wireless access points that are using WPA-2?Yes, quarterly tests are required. Requirement 11.1 covers any 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 reason 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 enough encryption for PCI compliance?If the session is configured to transmit the data between the payment apps and the hosted site using an approved system (ex: SSL/TLS ) then it should be compliant for at least the transmission portion of the standard.

    Requirement 4.1 -- "Use strong 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 mediocre 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 institute 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 be different.
  • Requirement 2.2.1 mandates that faultfinding servers provide a single-purpose service. If I possess a unique server hosting an e-commerce application with a Web server and database residing on a physical server, attain I requisite to spot the database on a divide server?Yes, in most cases. Requirement 2.2.1 – "Implement only one primary office per server to forestall functions that require different security levels from co-existing on the selfsame 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 be exposed to attack. VMs are now allowed, so the selfsame piece of hardware could be used with a hypervisor to divide the two services across two VMs. Alternately, if there is a faultfinding trade need, such as performance, for both primary functions to be on the selfsame server, esteem 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 hard SecurityCurve. She formerly served as vice president and service director with research hard Burton Group. She has extensive suffer creating secure network architectures and trade solutions for great corporations and delivering strategic, competitive knowledge to security software vendors.



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