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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
: 25 real Questions

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IBM IBM Commerce Solutions Selling

IBM (IBM) Receives $155.seventy six common PT from Brokerages | killexams.com real 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 fill rated the inventory ...

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

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

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

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

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

Revenues of $21.76 billion had been essentially in line with the Zacks Consensus estimate of $21.seventy four billion and declined three.5% on a year-over-yr foundation. At regular foreign money (cc), revenues dipped 1%. The year-over-year decline can primarily breathe attributed to foreign 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 fill 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 fill an upshot 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 elope 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 elope cost became $2 billion.

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

IBM witnessed boom in industry verticals dote 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 way 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 support Vodafone industry 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 birthright through the quarter, which includes “work with sensible Dubai on the middle East’s first government-counseled blockchain platform.” The enterprise additionally unveiled an on-prem providing throughout the suggested quarter, the IBM Blockchain Platform for IBM Cloud inner most. a few novel deal wins is also assisting IBM to fortify its foothold in blockchain know-how.

global enterprise services Revenues increase

Revenues from international enterprise functions-external segment were $4.3 billion, up four% from the yr-in the past quarter (up 6% at cc). The year-over-12 months enhance changed into basically as a result of boom across outright 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 elope 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 tenacious 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 elope rate became $8 billion.

Integration software elevated 4% from the yr-in the past quarter. outright 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 fill an repercussion on of the IBM Z product cycle. Segmental revenues pertaining to Strategic Imperatives plunged 22%, while Cloud revenues declined 31%.

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

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

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

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

youngsters, storage hardware revenues declined due to vulnerable efficiency in the mid-latitude end, in portion offset via unbelievable extend in outright shimmer Arrays. IBM pointed out that pricing compel in the immensely aggressive storage market is hurting revenues. The industry introduced its novel FlashSystems with subsequent era NVMe technology birthright 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 rude margin remained unchanged from the 12 months-in the past quarter at forty nine.5%. The rude 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 breathe fields dote hybrid cloud, simulated intelligence (AI), security and blockchain.

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

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

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

steadiness Sheet & cash circulate particulars

IBM ended fourth-quarter 2018 with $11.99 billion in complete cash and marketable securities compared with $14.70 billion at the cease of third-quarter 2018. complete debt (together with current component) changed into $forty five.8 billion, down from $46.9 million from the aged 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 industry lower back $three.5 billion to shareholders through dividends and partake repurchases. The enterprise again more than $10 billion to shareholders via dividends and partake repurchases for the entire fiscal year.

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

Fiscal 2018 Highlights

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

Revenues from Cognitive options, global industry 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 breathe at least $13.90.

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

How fill Estimates Been moving on the grounds that Then?

It seems, fresh estimates flatlined outright the way 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 genuine quintile for this investment method.

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

Outlook

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

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

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

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

The commentary adds that the emerging hybrid multi-cloud chance is estimated to breathe $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 effort is even further under-penetrated, providing yet more extend prospects for those eyeing the long elope shift.

Sector particular

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

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

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

"very nearly every retailer is looking at the usage of AI and cloud," he spoke of. "it breathe a lot just dote 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 fashion languished. Sears is probably going essentially the most seen casualty of the ecommerce period.

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

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

The personalised product presentation tailored to each purchaser will breathe the key to the success of dealers in his view and hence necessitate a turning out to breathe 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 breathe pivotal to separating themselves from their competitors, Verizon enterprise options vice president Michel Dupre advised real money.

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

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

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

The cloud focus is barely additional introduced into heart 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 select care of the Indian ecommerce leader announced in December.

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

constructing on Blockchain

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

"We remark 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 exercise 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 perpendicular is expected to develop at the highest CAGR within the blockchain market by perpendicular outright over the forecast period," the record states. "Retail and eCommerce organizations are making massive investments to raise customer experience."

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

Broader Lens

The potential of a cloud and blockchain company dote 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 tenacious pipeline of company for the IBM ecosystem to branch 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 angle only bolsters that positive outlook.

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

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


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Indian-born Naveen Seth leads restaurant chain La Prep | killexams.com real 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 industry 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 aged 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 breathe shipped out. He branched out into other parts of the industry — wholesale operations, sales, the retail shop. In the evenings at the family dinner table, Seth’s father would talk about industry and encourage him to set priorities and talk about how he should skedaddle about making them happen.

“My father was a grotesque teacher,” Seth says. “He always tried to define how things labor in industry in a conversational way, rather than by lecturing you. Those lessons are still there in the back of my humor as I elope my own companies.”

Seth had to lanky 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 industry in the immediate aftermath of his father’s death and then winding it down fell to Seth.

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

As he crammed to learn English, Seth also studied the convenience store business. It wasn’t the textile industry, but many of the selfsame industry 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 define how things labor in industry in a conversational way, rather than by lecturing you. Those lessons are still there in the back of my humor as I elope 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 chance in the IT sector where Seth struck it really commodious for the first time.

Finding industry opportunities in IT

Though he had honed his industry skills over the years since he’d moved to Canada, Seth had no sustain in IT when he was first approached by his brother-in-law about going into industry together in the field. Seth’s brother-in-law, a computer engineer who had worked in Norway, was also alive in Ottawa and had identified a exigency 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 assiduous they had to expand. They got even busier when they struck on the credence of developing computer-based training modules so students could learn at their own hurry from any location — a common drill now, but it was innovative at the time.

Within two years, Seth and his brother-in-law had 35 software engineers working for them in Canada. Through persistence — verging on stubbornness — Seth was also able to attract the attention of a major U.S. marketing solid to exercise their services. Landing the industry took Seth 47 phone calls before the U.S. firm’s CEO finally returned his summon and gave him the time to gain his pitch. The solid 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 labor life, Seth had always felt a tenacious ardor 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 terminal 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 ardor 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 big 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 labor for the chain and they would finish better in places where there was already hefty foot traffic, such as malls and office towers.

Seth Put 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 equable list of novel locations in the years after — outright of them successes.

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

Two years ago, Seth also launched a separate 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 loaded menu beyond what can breathe commonly found at mainstream Indian eateries.

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

“I reflect he would breathe proud. He wanted me to finish well,” Seth says.


Java Cryptography | portion 3 | killexams.com real questions and Pass4sure dumps

After you fill secured your private electronic information using encryption and erudite how to encrypt and digitally symptom files for others, how finish 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 spin is used to decrypt the encrypted file.

Figure1: Asymmetric Key Encryption Functions

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

Figure 2: Asymmetric Key Signature Functions

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

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

Decryption for Files or Java ObjectsOnce a file has been encrypted and/or signed using the DocuArmor application, it can breathe 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 breathe 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 demur 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: exercise 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 breathe 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. exercise 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 demur 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 breathe 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: exercise 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 cease 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, exercise the Java Cipher to decrypt the relaxation of the file to a Java ByteArrayOutputStream instead of a FileOutputStream. The cease result can breathe 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 breathe 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 breathe 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 recount 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 humor that the DataInputStream now points to the beginning 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: exercise the Java signature engine to process the relaxation of the signed file and reckon a hash number that will breathe 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, exercise the Java signature engine to verify its result with the digital signature. A Boolean result is returned on whether the signature was valid.

Boolean tResult = tSgnVerifyEngine.verify(tCurrSignature);

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

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

References and Other Technical NotesSoftware requirements:

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

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

  • PCI DSS questions answered: Solutions to tough PCI problems | killexams.com real 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 answer outright 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 assist 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 small organizations plunge 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 outright fits together

    SAQ A-D and Guidelines

  • It seems the necessity of PCI compliance hasn't fully penetrated the Asian markets. finish you fill any suggestions on how to achieve compliance for companies who finish industry in Asia, where adjusting to PCI standards aren't a priority?Companies should breathe 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 finish 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, finish I exigency wireless scans?All wireless networks within the CDE (cardholder data environment) exigency to breathe scanned pursuant to the PCI DSS wireless guidelines provided by the Council. If audit and test findings authenticate there is no wireless on the virtual terminal and there is no wireless within the CDE, additional scans are not required (for example, note that the wireless scanning requirement is not addressed in SAQ C-VT specific to virtual terminal-only environments). Note, however, that if you exercise other devices beyond just the virtual terminal to store/process/transmit cardholder data (such as a PoS on your network), you will fill to scan.

  • Is there a criterion for isolating non-compliant custom systems that finish not fill a newer PCI-compliant version available? Let's assume this would breathe a software package without encryption in its database.There are two standards for payment software – the PA DSS for commercial software and the PCI DSS for commercial software with significant customization and custom software. If the custom software is saving PANs in an unencrypted format, it is non-compliant with PCI DSS. The best options are to desist saving the PANs and exercise an alternative -- dote masking, tokens or other unique identifier -- or find a way 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 Put in residence a road map for mitigating or eliminating the problem. Although the compensating controls/road map will not carry weight a fully compliant RoC or SAQ, it does exhibit genuine faith on the portion of the company to labor towards correcting the problem.

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

  • Does PCI require verification that there are no rogue wireless access points that may fill connected to the POS network?Yes. From the Council's Wireless Guidance: "These are requirements that outright organizations should fill in residence to protect their networks from attacks via rogue or unknown wireless access points (APs) and clients. They apply to organizations regardless of their exercise of wireless technology and regardless of whether the wireless technology is a portion 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 obviate an attacker from using rogue wireless devices to negatively repercussion the security of cardholder data. In order to combat rogue WLANs, it is acceptable to exercise 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 calamity recovery and industry 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 efficacious handling of outright situations." also in the Penetration Testing supplement it states: "Perform testing in accordance with critical company processes including change control, industry continuity, and calamity recovery." And, in the Application Reviews and Web Application Firewalls Clarified it states: "Adhere to outright policies and procedures including change control, industry continuity, and calamity 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 fill your network paraphernalia 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 exigency 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? finish you fill 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 birthright that shared accounts are prohibited by PCI DSS; Requirement 8 states: "Assign a unique ID to each person with computer access." Strictly speaking, to breathe compliant, a unique ID and two-factor token would exigency to breathe assigned for each person remotely administering the firewalls and switches.

  • Can you speak to some of the feedback you fill received from clients who fill 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 exercise tokenization in the CDE to reduce scope. One that they spoke to and fill mentioned publicly is Helzberg Diamond Shops, Inc.. However, they caution that to breathe completely effective, organizations exigency to also address scope reduction and zoning, document the tokenization implementation so it can breathe reviewed during audit, and authenticate with your acquirer/processor that tokenization is acceptable. For vendor selection, the Council is working on tokenization guidance, but Visa Inc.has already issued its recommended guidance, Tokenization Best Practices.
  • Speaking from a university standpoint, they select credit cards in many ways -- POS, Internet, MOTO – but they exercise only PA-DSS applications and they are hosted by a service provider, so they finish not store any CHD. Their CHDE is really the PCs (and network) where the card data is entered or swiped. They fill segmented outright 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 finish not store CHD? They fill secured outright components that fill CHD entered and they are running PA-DSS-compliant applications.Sounds dote you've done a lot of remarkable scoping work. The PA-DSS applies to applications, but entities still exigency to breathe 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 remark question 1 for more information) and determine which one applies and complete that. In general, if you plunge under multiple SAQs your acquirer/processer will want you to complete SAQ –D. However, to breathe sure, check with your acquirer/processor to confirm.
  • Can you offer recommendation on what to perceive for in an internal audit and reporting product for PCI DSS compliance?There are multiple audit and reporting implement types that can breathe used in PCI DSS compliance. For example, a penetration testing system will revert reports on vulnerabilities and exposures in the CDE, while a patching system will revert reports on patch information, both of which apply. In many cases, when organizations reflect about a meta-console for reporting, it is a log or event/information aggregation console that brings together multiple reporting components for exercise in PCI DSS compliance work. For any tool, perceive for the ability to check for issues specific to PCI DSS (ex: password policy on servers and applications in the CDE) and report on these in a template that maps the finding to the specific requirement.

  • I fill a question about PCI and the cloud. They are a PCI level 1 merchant. They are thinking of moving their data heart to cloud, Amazon to breathe specific. They understand that Amazon is PCI level 1 compliant. Is it really feasible to breathe a PCI-compliant level 1 merchant in a cloud environment? finish you fill 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 eradicate the exigency to entity using the service to breathe 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 depend on their validated service provider status, but you will still breathe required to answer outright 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 breathe third party validated as a PCI DSS provider, this doesn't carry weight they're certified to PCI or that entities using the service are automatically certified.

    If you are going to host some or outright of your CDE in the cloud, finish 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 comprehend 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 effort to ensure PCI compliance, they fill a number of different products from different vendors, since there does not appear to breathe one full PCI compliance "solution." Is this by design? Is there any odds 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, outright of the documentation related to policies and process. It would breathe extremely difficult (arguably impossible) for a sole solution to finish it all. The reality is that organizations exercise 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 implement that also sells antivirus/malware or patch management. The commodious win is not necessarily to fill outright tools (or many tools) from the selfsame vendor, but to breathe able to bring together reporting, logs, test and monitoring information in a centralized residence to gain oversight and compliance monitoring more comprehensive and efficient.

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

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

    Also, gladden remark 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 wretched is truly being deleted and not stored.

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

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

    See the PCI Security criterion 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. exercise of virtual firewalls & virtual switches in hosted products)?Yes, according to the Scope of Assessment for Compliance it does extend to virtual appliances. "System components" in v2.0 include, "any virtualization components such as virtual machines, virtual switches/routers, virtual appliances, virtual applications/desktops, and hypervisors." also note that virtualization is mentioned in Requirement 2.2.1: Implement only one primary 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 portion of PCI audit requirements?Yes, if a system component stores, processes or transmits cardholder data or sensitive authentication data, it is portion of the CDE and within scope of the PCI DSS audit. For additional guidance, refer to the Scope of Assessment for Compliance with PCI DSS requirements section of PCI DSS v2.0.

  • When finish companies fill 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 upshot 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 breathe completed before the cease of 2011, you can continue the process with v1.2.1. If you a starting a novel assessment cycle in 2011, exercise v2.0.

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

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

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

  • Does Citrix sessioning between payment apps and hosted sites provide 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 routine (ex: SSL/TLS ) then it should breathe compliant for at least the transmission portion of the standard.

    Requirement 4.1 -- "Use tenacious 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 purview 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 medium cost of the audit itself is $225,000 for the largest (Tier 1) merchants, but the cost can purview 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 found 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 breathe different.
  • Requirement 2.2.1 mandates that critical servers provide a single-purpose service. If I fill a sole server hosting an e-commerce application with a Web server and database residing on a physical server, finish I exigency to residence the database on a separate server?Yes, in most cases. Requirement 2.2.1 – "Implement only one primary office per server to obviate 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 breathe exposed to attack. VMs are now allowed, so the selfsame piece of hardware could breathe used with a hypervisor to separate the two services across two VMs. Alternately, if there is a critical industry need, such as performance, for both primary functions to breathe on the selfsame server, consider if this justifies a compensating control by completing the compensating control worksheet (Appendix C of the PCI DSS).
  • About the author:Ed Moyle is currently a manager with CTG's Information Security Solutions practice, providing strategy, consulting, and solutions to clients worldwide as well as a founding partner of SecurityCurve.

    Diana Kelley is a partner with Amherst, N.H.-based consulting solid SecurityCurve. She formerly served as vice president and service director with research solid Burton Group. She has extensive sustain creating secure network architectures and industry solutions for big corporations and delivering strategic, competitive information to security software vendors.



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