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E-Commerce and PCI DSS at University of Waterloo

E-Commerce and PCI DSS at University of Waterloo. Web Advisory Committee June 17, 2009. Agenda. Implementing E-commerce at UW Current Status and Future Plans PCI Data Security Standard Questions. Implementing A UW E-Commerce Site. Prepare an e-commerce business plan.

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E-Commerce and PCI DSS at University of Waterloo

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  1. E-Commerce and PCI DSS atUniversity of Waterloo Web Advisory Committee June 17, 2009

  2. Agenda • Implementing E-commerce at UW • Current Status and Future Plans • PCI Data Security Standard • Questions

  3. Implementing A UW E-Commerce Site • Prepare an e-commerce business plan. • Obtain approval from Financial Systems Mgmt. Committee. • Organize project. • Obtain bank merchant account & Beanstream account. • Design/build application or install packaged application or configure hosted application according to standards (PCI, Bank, UW). • Integrate with Beanstream if not hosted. • Test. • Review/signoff by Finance and Security. • Go – live.

  4. Business Plan Content • Describe the products or services to be offered and the rationale for offering them via e-commerce. • Provide estimated annual transaction and dollar volume. • Describe the business process to handle the additional workload from the e-commerce function, including the accounting, maintenance, and reconciliation of general ledger accounts and the credit card operation. • Indicate whether the operation currently accepts credit cards. • Identify the hardware requirements and hardware location. • Identify the source of technical support. • Identify areas or departments that need to be involved in the development and implementation of your e-commerce initiative; examples may include Finance, Information Systems and Technology, or Procurement and Contract Services. • Identify the working group to develop the initiative.

  5. E-Commerce Site Development • Must use Beanstream for credit card processing. • Beanstream provides multiple integration methods. • UW uses Beanstream’s hosted payment page to ensure security, privacy, and for easier PCI compliance. No credit card information is stored on a UW server. • IST provides an e-commerce server to host Linux applications. • Use of other, secure servers is acceptable.

  6. Using Hosted Applications for UW E-commerce • May use a hosted shopping cart / event management site. Little experience with this at UW. • Must use Beanstream for credit card payment processing in all cases.

  7. UW E-commerce Sites • Retail Services • Housing • Residence deposits • Off campus housing landlord fees • Watcard • Parking • CEMC • Events and conferences come and go

  8. The Future UW E-commerce Sites Coming • Continuing Education • Conference Centre • Food Services

  9. The Future UW approved site hosting services • UW approved, hosted shopping cart system. • UW approved, hosted event/conference system. • Hosting will significantly reduce implementation effort for all UW participants. • Will make small volume e-commerce sites more feasible.

  10. What is PCI? • PCI = Payment Card Industry (Amex, Discover, JCB, MC, Visa) • PCI Data Security Standard (DSS) • PCI DSS v1.2 released October 2008 • 72 page document • Consistent security measures around the processing, storage, and transmission of credit card data • A nice baseline of security measures for any application

  11. Compliance: What does it take? • Depends on how credit card data is handled • SAQ = Self Assessment Questionnaire • Assessment from an external QSA • Regular network scans of e-commerce sites

  12. PCI DSS @ UW • Our acquirer requires us to be compliant with PCI DSS • All validation types apply to UW • Security measures for validation type 5 are expensive • Strategy: Eliminate cases where validation type 5 apply

  13. Compliance Strategy • E-commerce websites must not collect, transmit or store credit card information • Reduce scope: Isolate IP-based PoS terminals from the rest of the campus network • Include in more general security policies and procedures

  14. Penalties for non-compliance • Heavy fines from the acquiring bank • Bank could suspend the University’s ability to process any credit card

  15. Links • http://finance.uwaterloo.ca/ecommerce/ecommain.html • https://www.pcisecuritystandards.org/security_standards/pci_dss.shtml • https://strobe.uwaterloo.ca/~twiki/bin/view/ISTITSec/EcommerceSystemSecurityStandards

  16. Questions ???

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