What Is DSS In An eCommerce Application?

Credit and debit cards have been around since the 1850s, but consumers were initially hesitant to use them due to the lack of security measures and legislative support at the time. As a result, many laws and regulations were created to give consumers the confidence to use their cards without fear of their data being stolen.

However, the advent of eCommerce, where online payment is the primary mode of transaction, has prompted hackers to develop sophisticated tools that allow them to easily access consumer data. In December 2004, the PCI Security Standards Council enacted the universal security standard of PCI (Payment Card Industry) DSS (Data Security Standard) compliance to deter the progress of hackers.

The PCI DSS is a set of rules established by major stakeholders in the payment card industry that must be followed by all organizations that accept payment cards, including eCommerce businesses.

Achieving PCI DSS compliance is mandatory for eCommerce businesses that want to accept debit or credit cards and grow their business. The requirements are as follows:

1. Install and maintain a firewall configuration to protect cardholder data
2. Do not use vendor-supplied defaults for system passwords and other security parameters
3. Protect stored cardholder data
4. Encrypt transmission of cardholder data across open, public networks
5. Use and regularly update anti-virus software or programs
6. Develop and maintain secure systems and applications
7. Restrict access to cardholder data by business need to know
8. Assign a unique ID to each person with computer access
9. Restrict physical access to cardholder data
10. Track and monitor all access to network resources and cardholder data
11. Regularly test security systems and processes
12. Maintain a policy that addresses information security for all personnel

At first glance, the list does not appear to be complicated. However, within those 12 requirements, the PCI DSS covers more than 250 sub-requirements. 

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