Friday, July 25, 2008

Does Your Business Need to Be PCI DSS Compliant?

Despite increasingly heightened security by merchants and service providers, credit and debit card fraud is still on the rise. Perpetrators are using even more sophisticated methods of infiltration to access sensitive payment card information. The financial cost of fraud to any sized corporation can be huge and the price of preventing it is vast.

Any company which stores, processes or transmits payment card data bearing the logo of the five major payment companies has to comply with the Payment Card Industry Data Security Standards (PCI DSS). These five companies include American Express, Discover, JCB, MasterCard and Visa. These standards were devised in 2004 to provide a common set of industry tools for the storage of payment card data in order to prevent, detect, and react to security incidents.

As well as merchants or banking institutions, compliance is required by any third party who accepts or processes payment cards. This includes call centres who receive cardholder data which they are unable to delete. If merchants use payment gateways to process transactions on their behalf, compliance is not required but they must ensure contractual obligation from the third party that they comply with PCI DSS and are responsible for the security of cardholder data.

Fines for non-compliance or security breaches can be huge, reaching $500,000. High profile cases involving huge corporations have hit the headlines. Some card brands have threatened huge fines against larger merchants of up to $25,000 per month until compliance is obtained. In severe cases, they have even threatened to remove the ability to process credit card payments, which could be economically fatal for any merchant.

While Visa reports that the majority of security breaches occur in small enterprises, any company that stores, processes, or transmits card information has to comply with a strict set of guidelines. Although intended to create a global standard which protects both consumers and corporations alike, these guidelines can be time consuming, costly, and complex to implement. Corporations that require PCI DSS compliance are prevented from storing sensitive credit card information, including security codes, track data from the magnetic strip, and PIN numbers. Information which can be stored includes credit card numbers, expiration dates and customer details, but the method of storage needs to meet certain requirements.

How to obtain PCI DSS compliance

The recommended first step to obtaining compliance is to hire the services of a Quality Security Assessor, who can advise on steps needed to reach compliance as well as completing the official assessments required. Smaller companies that process less than 80,000 transactions per year are permitted to complete a self-assessment questionnaire.

Compliance covers 6 areas of security:

1. Construction and maintenance of a secure network - including installation of a firewall to protect cardholder data
2. Protection of cardholder data - including encryption during data transmission
3. Vulnerability management - with regular updates of anti-virus software
4. Access control - to prevent and restrict access to sensitive data
5. Regular monitoring and testing of networks
6. Maintenance of an information security policy

The latest updated guidelines for PCI DSS are due for release in October 2008.

The benefits of PCI DSS compliance

• Protection from PCI related fines if compliant at the time of breach
• Increased customer confidence in data protection
• Advice on how to remediate any data security risks
• Advice on how to prevent service providers from putting your business at risk from data security
• Increased protection from fraudsters
• Protection from unwanted negative media attention

With this said, there is no question as to why PCI compliant is as important as it is. It both protects the consumer and the merchant, making transactions considerably safer than they would be otherwise.

Managed Hosting provider for companies with applications that demand the highest levels of security and availability.

Thursday, July 17, 2008

E-commerce Security - Issues and Controls

The internet facilitates open and easy communication across the globe, and has made e-commerce possible. However, because of its unregulated nature, it poses a threat to the security of e-commerce systems. Hence, as an e-business owner, you should be ready to address an array of e-commerce security issues.

Here are some of the common problems created by hackers:

• Denial-of-service (DoS) attacks that will prevent authorized users from accessing your website. If this happens too often, your customers will walk away.
• Gaining access to sensitive data such as price lists, catalogues and intellectual property, and copying, changing or destroying the same. Who hasn't been a victim of virus attack at some time?
• Altering your website. Unscrupulous rival companies might resort to such tactics in order to spoil your company's image.
• Directing your customers to another site. You do the hard work, and someone else reaps the benefits.

Hence, you should introduce adequate e-commerce security control measures to reduce the risk to your systems. But remember, these controls should not be so restrictive that they impact the efficiency of your business.

Authentication: This is the technique of positively identifying someone seeking to access your e-commerce system. This usually involves any or all of the following:

• Assigning a user name and password combination to registered visitors.
• Instituting a two-factor verification process that requires confirmation of information known only to authentic users. For example, asking for an authentication token and a personal identification number.
• Scanning a person's unique physical attribute such as a fingerprint or facial-feature.

Access control: In this type of control, access is restricted based on a need to know. This limits the number of people who can access a particular piece of information, and therefore reduces the risk of misdemeanor.

Encryption: This technique uses technologies like virtual private networks (VPNs) and secure socket layers (SSLs) to protect information that is being displayed on a computer or transmitted over a network. Companies like banks, which deal with sensitive information will most certainly encrypt data.

Firewall: This is either software or hardware that protects a server, network or computer system from attack by viruses and hackers. It is also a safeguard against user negligence. Many companies use the Kerberos protocol which uses symmetric secret key cryptography to restrict access to authorized employees.

Intrusion detection system (IDS): It inspects all inbound and outbound network activity and identifies any attempt being made to gain illegal access. If IDS suspects an attack, it generates an alarm or sends out an e-mail alert.

The importance of e-commerce security cannot be overemphasized. If your business strategy envisages the use of the internet, make sure that your systems are adequately protected. Books like "The Business of E-commerce: From Corporate Strategy to Technology" and "Security Becomes A Business Requirement For E-Commerce Companies" from amazon.com might be useful in order to deepen your understanding. You might also like to check out the e-commerce security products and services available at x-cart.com.

Hi, I'm Akhil Shahani, a serial entrepreneur who wants to help you succeed. If you like to work smart, check out http://www.SmartEntrepreneur.net . It's full of articles and resources to help you start and grow your business successfully. Please visit us & download our special "Freebie of The Month" at http://www.smartentrepreneur.net/freebie-of-the-month.html

Saturday, July 12, 2008

"Ransomware" - Extortion by Encryption

Recently there has been a rash of reports of computers becoming infected with the Gpcode.ak virus, a new variant of an attack that surfaced a few years ago. Gpcode encrypts data on the affected computer's hard drive, plus any shares to which it has access. It leaves the basic system software alone (so the computer remains useable), but encrypts the user's data files. The encryption for the original version was cracked, making it easy for anyone to decrypt his or her own files, but this new version uses a 1024-bit encryption key. According to Kaspersky, this would take a relatively modern PC about 30 years to crack.

Affected users find a "README" file directing them to contact a specific email address for details on purchasing a "decryption tool" in order to recover their files. Sometimes the additional threat of publicizing confidential information is included in this ransom note.

However, because of a flaw in this version, it is currently possible to recover the encrypted files. Gpcode makes a copy of the files before encrypting them, and then deletes this copy. These deleted files can be recovered with file-recovery software that is widely available in both free and commercial offerings. Affected users should avoid rebooting their computers, and should not use them for anything else until they've recovered their files. This limits the risk of the deleted files being overwritten by other processes. This method of recovery is a temporary work-around - at best - because it has been widely publicized on the security forums, and it is only a matter of time before the virus authors add a step to wipe the deleted files from the disk.

It is unclear exactly how this virus spreads, but the vast majority of malicious infections come directly from spam email or from rogue web sites to which spam directs users. Therefore, minimizing one's risk of exposure to this virus means taking the normal precautions against any malware, such as keeping virus scanners and spam filters up to date, and having a clearly communicated policy about not following links in unsolicited emails (spam).

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Christopher is an Information Security Consultant You are welcome to reproduce this article on Computer Security related web site, as long as you reproduce the article in full, including this resource box and link to our website.

Tuesday, July 1, 2008

Dirty Little Computer Viruses and How To Protect Yourself

Whether you have learned your lesson from a past experience with a nasty computer virus or have been pressing your luck by surfing the web and downloading various files or opening those email messages sent to you by people you don’t know without any real understanding of just how vulnerable you really are each time you log onto your computer you now have the opportunity to discover what steps you can take to avoid such an annoying and many times destructive infestation.

Listed below are some of the guidelines you can follow in order to keep those nasty viruses from making a mess out of your computer and your life.

•Purchase and install a well respected antivirus software program and be sure to set it up so that it automatically runs when the computer starts up each time.

•Make sure to keep your antivirus software up to date by either using the automatic update feature that many come with or make it a habit to manually check at least once or twice a week for updates on your own.

•Set your antivirus program to scan for potential viruses each time you open a word-processing document like the ones that get sent through email. Viruses found in word-processing documents are called Macro Viruses.

•When purchasing software make sure to only buy from vendors that are well known and from ones you trust.

•Resist swapping data with the use of floppy disks or other mobile storage devices between various computers. If exchanging programs between computers is unavoidable just make sure to scan the storage device(s) for viruses before transferring data from one computer to the next.

•If using floppy disks to transfer data make sure to format them before using them for the first time.

•Never use pirated software. This is both illegal and a very good way to invite an unwanted computer virus.

•When downloading software from the internet do so as little as possible. There are many neat programs available on the internet, but unfortunately there are many viruses that go along with them also.

•If you must download programs from the internet ALWAYS scan them for viruses BEFORE opening them up to install on your computer.

•Probably the most important and neglected method of disaster recovery are periodic backups of all important files found on your computer. Should a virus happen to get through your lines of defense you may need to replace the virus corrupted files with fresh ones that have been kept for such an occasion.

Finally, it is not guaranteed that if you follow the above steps that you will not be the victim of a computer virus, but you can sure bet that if followed you will greatly reduce the chance of being an unsuspecting recipient of such an unwanted program.

Dan devotes much time working on his internet ventures. He currently has a T-Shirt store at http://www.cafepress.com/giftsandtshirts and an ebook store at http://infoheaven-digital-books.com that caters to his visitors.

Tuesday, June 17, 2008

Read This Important Report If You Are Looking For a Free Spyware Cleaner

Have you been infected by spyware? Or perhaps you just want to keep your computer safe and that is why you are looking for a free spyware cleaner. Either way, I want to caution you. Before I get into the warning, I'd like to share some general information about spyware.

Spyware can get in a computer as a software virus or as the result of installing a new program. Data collecting programs that are installed with the user's knowledge are not, properly speaking, spyware, if the user fully understands what data is being collected and with whom it is being shared. Spyware, adware and other unwanted malicious software have become increasingly serious thread to computers, where they are violating privacy by collecting private information and computer data and send to outsiders or person who plants the program without user consent. Worse, there are increasing attempts to collect information such as banking details, credit card details, usernames, passwords, or even personal details are gathered. Spyware is a huge problem that affects nearly everyone with a computer that is on the internet. It reduces productivity at our businesses, and drives us mad at our homes.

Anti-spyware software will look for evidence of these files and delete them if found. These programs have gained popularity as effective tools to remove or intercept spyware programs. Anti-spyware and anti-virus creators are working overtime to keep up with the development of spyware and adware programs. They need to release versions of their utilities as quickly as possible or they will be overrun by spyware's development.

So why all the concern about free spyware cleaners? It's simple, many of the "free" programs are actually spyware themselves! You need to be careful of programs that are free because nothing is ever free.

Many of the best programs offer free downloads, and allow you to try the program out first, and that's okay, but be wary of those that are 100% free. It's probably a trap!

Get rid of annoying and dangerous spyware and adware today with NoAdware It is my top recommended spyware removal program.

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Wednesday, June 11, 2008

Internet Security Threats

Internet is not a safe place for the web users. Every unprotected online computer can be affected with the viruses, malware, adware, hackers' attacks and Trojans with only in 20 minutes. There are numerous security risks on internet that can lead you to serious financial loss, information theft and the attack on your computer.

There are specialized hackings tools and scripts that are designed to attack an unprotected computer. Being a web user, it is very important for you to learn about the common online threats. To deal with these threats you need to implement security solution on your computer, which includes antivirus, antispyware and firewall software or hardware device. The common online security threats include the following.

· Viruses

· Spyware

· Adware

· Malware

· Hackers

· Intruders

· Trojans

Every a computer is attacked with the viruses or other threats, all the connected computers also gets attacked. There are preventive measures, tools and techniques that can be used to deal with these threats.

Security Tips

· Do not open any email attachment from any unknown and unauthenticated source.

· Never reply to the emails whose identity you don't know.

· Protect your computer by installing up-to-dated antivirus and antispyware programs and regularly scan your computer with them.

· Implement a hardware or software firewall on your computer.

· Never send your user names, bank account information, passwords and credit card details to someone via emails.

· Before doing online shopping through a website ensure the validity and repute of that website.

· While doing online shopping make sure that your browser is displaying a lock sign at the bottom right column of your browser.

· Never open any web link that you receive through the web messengers from unknown
users.

· If you are administering a computer network then make sure that you are using very strong passwords at the computer server.

· Monitor the online activities of your network users.

· Block the suspicious websites, web applications, P2P sites and other files sharing websites.

· Never download software or games from the untrusted websites.

· In case of any online credit card fraud event, immediately contact your credit card issuing company or bank and report the abuse.

These tips will certainly help you to have safe browsing, chatting and secure online shopping experience.

B. Bashir manages this website Networking Tutorials and regularly writes articles on various topics such as Computer Networking, Computer Network Wireless Networking, Computer Hardware, Certifications, How Tos, Computer Networking Tips and computer tips.

Thursday, May 29, 2008

How A SSO Implementation Improved Security While Easing On-The-Job Frustrations Of Staff

Some consider security to be beyond the reach of usual measures of return on investment, but most would agree that the costs of a security program should be known and under control. As Southwest Washington Medical Center (SWMC) completed a company-wide project to electronically enable its patient records and organizational data, the IT staff discovered that among all of the benefits that the new system gave the organization (increased security, better organization, ease of information finding, compliance with regulations) the resulting passwords and protocols greatly increased the amount of time staff needed to access records and data.

SWMC is a community-owned, not-for-profit medical institution located in Vancouver, Washington that provides a full range of outpatient and inpatient diagnostic, medical and surgical services to Clark County residents. The region's health care leader and steward for nearly 150 years, SWMC is one of its largest employers and a six-time winner of the Solucient Top 100 Hospitals award. SWMC's employees help support dozens of medical specialty services and programs, focused on cancer, heart, emergency, trauma, neuro-musculoskeletal, family birth and primary care.

The healthcare industry in general presents a significant challenge for internal IT organizations. In the healthcare setting, there are far more users than workstations; the workforce is highly mobile; every worker needs to be able to access an IT workstation from just about anywhere-and be able to securely access a wide variety of applications from it. The challenge for SWMC was to figure out how to both protect patient information and at the same time, find a way to securely provide acute care clinical staff the ability to walk up to any workstation and log into the network to access applications and information that enable them to provide timely care and service to patients.

The password policies in place required staff to use-and therefore remember-a different password for each application. This added strain was compounded by help desk calls to reset forgotten passwords and "adhesive" memory tactics (using sticky notes to remind users of new passwords) that hurt patient privacy far more than the new security programs helped. To make matters worse, even successfully executed logins were taking an average of 30 seconds, adding up to an average of five minutes per day, per employee. For SWMC's more than 3,000 employees that's 25 hours wasted per day, or 150 + hours per week - assuming zero password-related problems that week. With the average hospital cost at $17.00 per hour, the total comes to $2,500 per week, or $130,000 per year-time and money lost to the login process. The system also supports 2,800 clinical and medical support staff of partnering community clinics, making this a cost issue outside the hospital's walls.

It was easy to see that this was something that needed to be fixed quickly, as it was becoming a huge frustration for staff and had the potential to become something that could both hurt retention efforts and ultimately take time away from providing patient care.

As issues around frustrations with the electronic record/information systems came to light, the organization was also dealing with two other concerns: compliance with the Health Insurance Portability and Accountability Act (HIPAA); and staff and physician retention in the highly-competitive healthcare industry.

After thoroughly researching various technologies and options, the IT leadership team determined that a comprehensive single sign-on (SSO) implementation could solve several of these issues: eliminate the password problem, producing significant efficiencies for both the IT team and hospital staff; reduce costs; increase the time spent on patient care; help satisfy HIPAA regulations on patient information protection, user login requirements and workstation time-outs; and enable the IT staff to gain organization-wide, centralized control over all IT access control management.

After looking at companies such as IBM, Novell, CA and Sentillion, SWMC chose to go with Imprivata's OneSign Single Sign-On solution, an appliance-based product that provided an intelligent and affordable solution for password management and user access. In evaluations, the team agreed that there were two major features that set OneSign apart from the other solutions:

(1) It was easy-to-use, meaning care staff would have no problem learning how to use it-and it would not force them to change the way they work, other than limiting the time spent on password logins and logouts; and

(2) It could easily be integrated with existing systems and with a zero-server-footprint. This was especially important for SWMC's situation, as it had information stored in dispersed and different locations, across 160 applications, with multiple authentication schemas (Novell NDS, RADIUS, MS Active Directory)-and were in the process of migrating over to Microsoft Active Directory as the new source of all access authentication. SWMC needed a solution that could easily take information from and seamlessly interface with all of these areas-and OneSign was it.

With more than 3,000 users, 125 departments and 160 applications, the IT staff decided to break the project down into two phases: phase I, the full deployment of SSO with fifty core applications; and phase II, the deployment of the balance of critical applications. Because of the success of phase I, phase II was quickly undertaken and the whole system was up and running within three months.

At SWMC, the Microsoft Active Directory group policies manage all role-based-access-control at the enterprise level-including internal use, outside vendor access and remote VPN access by coders, transcriptionists and "road warriors." The SSO product then manages the initial application-layer access-which has its own access controls, especially within the clinical systems. Access to Protected Health Information (PHI) is managed down to the screens or menus within the PHI-enabled applications. Each workforce member's access rights are set within an enterprise standard-via a Human Resources job code-which is then mapped to access control groups at the application layer.

Because of this, any user can use any workstation within the network - the security now follows the user. Every workstation is what we call a "fast user switching" workstation that can log a user off of a machine, close all applications and get the machine ready for the next user login in about 15 seconds. This approach gives the needed security to protect patient data-but at the same time eradicates the old hassle of locked workstations and prevents the use of the power switch to unlock the machine, a process which can potentially cause hard disk corruption.

Imprivata's solution provided SSO access, enabling users to get a common log-in across all applications, using either a password or a finger biometric to authenticate. The solution allowed SWMC to create one consistent user interface, one security posture for policy management and one principal authentication store for HIPAA-and did so without requiring any code changes to internal or external applications.

In short, SWMC's SSO initiative has transformed its ability to provide quick access to applications and information for the clinical staff, while enabling them to provide more timely and therefore better care to patients-all while helping the organization meet strict HIPAA guidelines. SSO saves staff 15 to 30 seconds per logon-or roughly five minutes per day, per employee.

The security improvements that the SSO implementation has brought about cannot be overstated. Before, it was difficult to get users to adhere to password policies and change their password every six months or so-especially when the number of passwords grew as more and more workflow at the organization was done electronically. Now, password changes happen when they are supposed to-and the team can easily tell when staff is not adhering to policy and make them change their password.

Feedback has been resoundingly positive. The use of single sign-on is appreciated every time a user walks up to a workstation, which happens thousands of times each day. The staff loves SSO-and now wants it on all of their other (non-core) applications.

SWMC has a new competitor hospital just eight short miles away, so keeping staff happy is more essential than ever. As I alluded to earlier, physician and medical staff satisfaction with their work environment has become a crucial part of staff retention. Providing a positive environment that limits mundane tasks-like repetitively logging in to several applications throughout the day-and freeing up time for patient care are critical components of our organization's retention efforts.

Imprivata, Inc.
10 Maguire Road
Building 4
Lexington, MA 02421-3120 USA

phone: 781-674-2700
fax: 781-674-2760
toll-free: 1-877-OneSign