Recent Security Standards in PCI 3DS and It’s Compliance
PCI 3DS Compliance
Customers and merchants want precautions against sophisticated cybercriminals who are becoming more adept at exploiting security flaws. The good news is that sophisticated (and significantly advanced) prevention and detection solutions are available, which may safeguard individuals involved in the CNP transaction cycle.
PCI 3DS compliance security, machine learning, and biometrics have been identified as the most effective strategies for combatting CNP fraud. The PCI SSC (Payment Card Industry Security Standards Council) has published a new standard to allow the PCI 3DS protocol, with the protocol anticipated to be finished this year.
What is the most recent PCI 3DS protocol?
You should be mindful of three new publications concerning PCI security standards:
Core Security Standard for PCI 3DS
The Core Security Standard of PCI 3DS is a fundamental supporting standard that defines acceptable security measures within specified 3DS scenarios. It creates and specifies fundamental logical and physical security elements to improve consumer and vendor security in the 3DS system.
The standard is separated and organized into two sections.
The first component, the Baseline Security Requirement, investigates operational and technological security standards designed to protect the diverse environments in which 3D Secure is implemented. Because it is aimed for transaction scenarios, it is more of a generic viewpoint that could be applied to a variety of industry standards.
The second section is the 3DS Specific Security which focuses on 3D Sensitive data, technology, and procedures, as well as the security measures that go with them.
PCI 3DS Data Matrix
The PCI 3DS Data Matrix is a document that must be used in tandem with the PCI 3DS. Its goal is to recognize data elements seen in 3D Encrypted transactions.
It is made up of two tables that include numerous information categories, an associated 3DS Data Element with descriptions, and an assessment of whether the information is authorized to be stored within the purview of PCI 3DS for the various 3D Secured core components.
The first database contains 3DS sensitive information that must adhere to certain PCI 3DS Key Security Standard rules, whilst the second database consists of 3DS Cryptographic Keys that has to be generated and stored in an HSM.
PCI 3DS SDK Security Standard
The final document is the PCI 3DS compliance SDK Security Standard. This is an independent standard that attempts to describe the security mechanisms necessary for safe 3DS SDK implementations.
The 3DS Server (3DSS) is a module of the Merchant/Acquirer Domain that facilitates interactions and messages between the 3DS environment and the 3DS Requestor environment.
The constant revision of standards and requirements, help keep the PCI 3DS up to date to the current technological advancements. There are countless methods to bypass system security and new ones keep popping up. Therefore, it is important to have newer and a powerful security to safeguard your business’ data.