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Payment Card Industry Data Security Standard
The Payment Card Industry Data Security Standard (PCI DSS) is an information security standard used to handle credit cards from major card brands. The standard is administered by the Payment Card Industry Security Standards Council, and its use is mandated by the card brands. It was created to better control cardholder data and reduce credit card fraud. Validation of compliance is performed annually or quarterly with a method suited to the volume of transactions: * Self-assessment questionnaire (SAQ) * Firm-specific Internal Security Assessor (ISA) * External Qualified Security Assessor (QSA) History The major card brands had five different security programs: * Visa's Cardholder Information Security Program * Mastercard's Site Data Protection *American Express's Data Security Operating Policy * Discover's Information Security and Compliance * JCB's Data Security Program The intentions of each were roughly similar: to create an additional level of protection for card issuers ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Information Security
Information security is the practice of protecting information by mitigating information risks. It is part of information risk management. It typically involves preventing or reducing the probability of unauthorized or inappropriate access to data or the unlawful use, Data breach, disclosure, disruption, deletion, corruption, modification, inspection, recording, or devaluation of information. It also involves actions intended to reduce the adverse impacts of such incidents. Protected information may take any form, e.g., electronic or physical, tangible (e.g., Document, paperwork), or intangible (e.g., knowledge). Information security's primary focus is the balanced protection of data confidentiality, data integrity, integrity, and data availability, availability (also known as the 'CIA' triad) while maintaining a focus on efficient policy implementation, all without hampering organization productivity. This is largely achieved through a structured risk management process. To stand ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Need To Know
The term "need to know" (alternatively spelled need-to-know), when used by governments and other organizations (particularly those related to military or intelligence), describes the restriction of data which is considered very confidential and sensitive. Under need-to-know restrictions, even if one has all the necessary official approvals (such as a security clearance) to access certain information, one would not be given access to such information, or read into a clandestine operation, unless one has a specific ''need to know''; that is, access to the information must be necessary for one to conduct one's official duties. This term also includes anyone that the people with the knowledge deemed necessary to share it with. As with most security mechanisms, the aim is to make it difficult for unauthorized access to occur, without inconveniencing legitimate access. Need-to-know also aims to discourage "browsing" of sensitive material by limiting access to the smallest possible n ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Payment Card Industry
The payment card industry (PCI) denotes the debit, credit, prepaid, e-purse, ATM, and POS cards and associated businesses. Overview The payment card industry consists of all the organizations which store, process and transmit cardholder data, most notably for debit cards and credit cards. The security standards are developed by the Payment Card Industry Security Standards Council which develops the Payment Card Industry Data Security Standards used throughout the industry. Individual card brands establish compliance requirements that are used by service providers and have their own compliance programs. Major card brands include American Express, Discover Card, JCB, Mastercard, Mir, RuPay, UnionPay and Visa. Most companies use member banks that connect and accept transactions from the card brands. Not all card brands use member banks, like American Express, these instead act as their own bank. , the United States uses a magnetic stripe on a card to process transactio ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Health Insurance Portability And Accountability Act
The Health Insurance Portability and Accountability Act of 1996 (HIPAA or the Ted Kennedy, Kennedy–Nancy Kassebaum, Kassebaum Act) is a United States Act of Congress enacted by the 104th United States Congress and signed into law by President Bill Clinton on August 21, 1996. It aimed to alter the transfer of healthcare information, stipulated the guidelines by which personally identifiable information maintained by the healthcare and healthcare insurance industries should be protected from fraud and theft, and addressed some limitations on Health insurance in the United States, healthcare insurance coverage. It generally prohibits Health professional, healthcare providers and businesses called covered entities from disclosing protected information to anyone other than a patient and the patient's authorized representatives without their consent. The bill does not restrict patients from receiving information about themselves (with limited exceptions). Furthermore, it does not proh ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Bruce Schneier
Bruce Schneier (; born January 15, 1963) is an American cryptographer, computer security professional, privacy specialist, and writer. Schneier is an Adjunct Lecturer in Public Policy at the Harvard Kennedy School and a Fellow at the Berkman Klein Center for Internet & Society as of November, 2013. He is a board member of the Electronic Frontier Foundation, Access Now, and The Tor Project; and an advisory board member of Electronic Privacy Information Center and VerifiedVoting.org. He is the author of several books on general security topics, computer security and cryptography and is a squid enthusiast. Early life and education Bruce Schneier is the son of Martin Schneier, a Brooklyn Supreme Court judge. He grew up in the Flatbush neighborhood of Brooklyn, New York, attending P.S. 139 and Hunter College High School. After receiving a physics bachelor's degree from the University of Rochester in 1984, he went to American University in Washington, D.C., and got his ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Michaels
Michaels Stores, Inc., doing business as Michaels, is an American privately held arts and crafts retail chain. It is North America's largest provider of arts, crafts, framing, floral and wall décor, and merchandise for makers and do-it-yourself home decorators. The company is a subsidiary of The Michaels Companies, which was founded in 2014 and headquartered in Irving, Texas. In addition to Michaels stores, The Michaels Companies operates Aaron Brothers Custom Framing store-within-a-store, and Artistree, a manufacturer of custom and specialty framing merchandise. The company also develops over a dozen private brands sold in Michaels stores, including Recollections, Studio Décor, Bead Landing, Creatology, and Ashland. As of January 2021, there were 1,252 Michaels stores in 49 out of 50 states in the U.S., and Canada, with approximately $5.362 billion in sales for fiscal 2020. History In 1973, businessman Michael J. Dupey founded Michaels in Dallas, Texas when he converte ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Park City, Utah
Park City is a city in Utah, United States. Most of the city is within Summit County, Utah, Summit County, with some portions extending into Wasatch County, Utah, Wasatch County. It is considered to be part of the Wasatch Back. The city is southeast of downtown Salt Lake City and from Salt Lake City's east edge of Sugar House, Salt Lake City, Sugar House along Interstate 80 in Utah, Interstate 80. The population was 8,396 at the 2020 United States Census, 2020 census. On average, the tourist population greatly exceeds the number of permanent residents. After a population decline following the shutdown of the area's mining, mining industry, the city rebounded during the 1980s and 1990s through an expansion of its tourism business. According to 2021 data, the city brought in a yearly average of $529.8 million to the Utah economy as a tourist hot spot, $80 million of which was attributed to the Sundance Film Festival. The city has two major ski resorts: Deer Valley, Deer Valley R ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Washington (state)
Washington, officially the State of Washington, is a U.S. state, state in the Pacific Northwest region of the United States. It is often referred to as Washington State to distinguish it from Washington, D.C., the national capital, both named after George Washington (the first President of the United States, U.S. president). Washington borders the Pacific Ocean to the west, Oregon to the south, Idaho to the east, and shares Canada–United States border, an international border with the Provinces and territories of Canada, Canadian province of British Columbia to the north. Olympia, Washington, Olympia is the List of capitals in the United States, state capital, and the most populous city is Seattle. Washington is the List of U.S. states and territories by area, 18th-largest state, with an area of , and the List of U.S. states and territories by population, 13th-most populous state, with a population of just less than 8 million. The majority of Washington's residents live ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
United States
The United States of America (USA), also known as the United States (U.S.) or America, is a country primarily located in North America. It is a federal republic of 50 U.S. state, states and a federal capital district, Washington, D.C. The 48 contiguous states border Canada to the north and Mexico to the south, with the semi-exclave of Alaska in the northwest and the archipelago of Hawaii in the Pacific Ocean. The United States asserts sovereignty over five Territories of the United States, major island territories and United States Minor Outlying Islands, various uninhabited islands in Oceania and the Caribbean. It is a megadiverse country, with the world's List of countries and dependencies by area, third-largest land area and List of countries and dependencies by population, third-largest population, exceeding 340 million. Its three Metropolitan statistical areas by population, largest metropolitan areas are New York metropolitan area, New York, Greater Los Angeles, Los Angel ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Audit
An audit is an "independent examination of financial information of any entity, whether profit oriented or not, irrespective of its size or legal form when such an examination is conducted with a view to express an opinion thereon." Auditing also attempts to ensure that the books of accounts are properly maintained by the concern as required by law. Auditors consider the propositions before them, obtain evidence, roll forward prior year working papers, and evaluate the propositions in their auditing report. Audits provide third-party assurance to various stakeholders that the subject matter is free from material misstatement. The term is most frequently applied to audits of the financial information relating to a legal person. Other commonly audited areas include: secretarial and compliance, internal controls, quality management, project management, water management, and energy conservation. As a result of an audit, stakeholders may evaluate and improve the effectiveness of ris ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Issuing Bank
An issuing bank is a bank that offers card association branded payment cards directly to consumers, such as credit cards, debit cards, contactless devices such as key fobs as well as prepaid cards. The name is derived from the practice of issuing cards to a consumer. Details An issuing bank (also called an issuer) is part of the 4-party model of payments. It is the bank of the consumer (also called a cardholder) and is responsible for paying the merchant's bank (called an Acquiring Bank or Acquirer) for the goods and services the consumer purchases. It issues the payment card and holds the account with the consumer (such as a credit card account or checking account for a debit card). The parties in the 4-party model are: # Consumer (also called a cardholder): Makes purchases and promises to pay the Issuing Bank for them. # Issuing Bank (also called an Issuer): The consumer's bank. Transfers money for purchases to the Acquiring Bank. Is liable for purchases made by the consumer i ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
