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Payment Card Industry Data Security Standard in Austria: A Mandatory Framework for Secure Transactions

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The Payment Card Industry Data Security Standard (PCI DSS) is a set of guidelines established by the PCI Security Standards Council, a non-profit organization founded in 2006 and comprising major credit card companies such as American Express, Discover Financial Services, JCB International, MasterCard Worldwide, and Visa Inc. The standard is designed to ensure secure transactions in the payment industry, particularly with regards to credit card data.

The Framework

The PCI DSS framework consists of 12 specific requirements across six categories, which are detailed and accompanied by testing procedures. These requirements include:

  • Installing and maintaining firewall configurations to protect cardholder data
  • Avoiding use of default vendor settings for system passwords and security parameters
  • Protecting stored cardholder data
  • Encrypting the transmission of cardholder data over open networks
  • Safeguarding systems against malware and regularly updating antivirus software and programs

Additional Requirements

The PCI DSS also includes additional requirements, such as:

  • Developing and maintaining secure systems and applications
  • Limiting access to cardholder data based on business needs-to-know
  • Identifying and authenticating system components
  • Physically securing cardholder data
  • Monitoring and tracking all network resources and cardholder data access
  • Conducting regular security testing and vulnerability assessments
  • Implementing an information security policy for all personnel

Availability and Best Practices

The PCI DSS standard is available for download from the PCI Security Standards Council website and is widely regarded as a best practice for payment industry stakeholders. The latest version of the standard, Version 4.0, was published in March 2022 and consists of 356 pages.

For further information on the standard, please visit http://de.pcisecuritystandards.org.

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