RE: data retention and encryption ala tjmaxx

[Al Mac <macwheel99@xxxxxxxxxxx>]

If you are a governmnet agency, it may be legitimate to ignore the rules.

Recently it was learned that people who pay for driver's licenses on-line 
via credit card to state of Indiana DMV got breached because the state 
government could not bother to adhere to the PCI standard.  The state 
probably has the clout to force credit card industry to look the other way 
with them.  There are tons of stories of similar breaches other states, and 
federal government agencies.

But for everyone else, you break the rules, then down the line you can face 
millions of dollars in FTC fines, tons of law suits, withdrawal of credit 
card industry support which can be so important to some enterprises that 
this ultimately leads to bankrupsy, such as with Card Systems.

Some have tried to use the excuse that they installed software in total 
ignorance of what it was doing.  That works for PR spin to some consumers, 
but does not protect them from law suits, fines, and could undermine future 
consumer confidence.

For more on this topic in general, check out discussion group
Dataloss http://attrition.org/dataloss
Archives <http://attrition.org/pipermail/dataloss>

Al Macintyre

> By accepting credit cards (Visa at a minimum but pretty much everyone
> else is on board) your customers have probably agreed to adhere to the
> Payment Card Industry Data Security Standard.
> https://www.pcisecuritystandards.org/ has a link to the standard itself.
>
>
> I haven't read it through but my understanding is that the ramifications
> for violating PCI can include heavy fines and loss of ability to accept
> credit cards.  I'd urge following whatever guidelines it provides.
>
> --
> John A. Jones, CISSP
> Americas Information Security Officer
> Jones Lang LaSalle, Inc.
> V: +1-630-455-2787 F: +1-312-601-1782
> john.jones@xxxxxxxxxx
>
> -----Original Message-----
> From: midrange-l-bounces@xxxxxxxxxxxx
> [mailto:midrange-l-bounces@xxxxxxxxxxxx] On Behalf Of Jim Franz
> Sent: Friday, March 30, 2007 1:18 PM
> To: MIDRANGE-L@xxxxxxxxxxxx
> Subject: data retention and encryption ala tjmaxx
>
> With the TJ Max debacle playing out in the media, I need to make a
> recommendation to several customers who handle credit card trans.
> Is there a short & concise list of standard practices as to when to keep
> customer data versus when not to...
> I have searched the web and find that everyone seems to have a different
> opinion, and much of it sounds like "talking heads..".
> Perhaps an industry association recommendation, or something from the
> card processors that I can get to (that is not a 800 page manual).
> In one case, iSeries custom software for private (non-standard) cards in
> addition to major labels. Another has pc based swipe machine and settle
> software, but then keys the tran onto the iSeries (and I need to
> recommend for both iSeries and pc).
> None of these customers fit a "traditional" retailer model.
> Jim Franz
>
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