IBM DataPower PCI Solutions

1. IBM DataPowerPCI Solutions Steven Cawn WebSphere DataPower World Wide Sales leader scawn@us.ibm.com

2. What is PCI DSS? • Payment Card Industry Data Security Standard (PCI DSS) is a global security program that was created to increase confidence in the payment card industry and reduce risks to PCI Members, Merchants, Service Providers and Consumers.

3. Payment Card Industry – History Defined by the Payment Card Industry Security Standards Council, the standard was created to increase controls around cardholder data to reduce credit card fraud via its exposure. Validation of compliance is done annually — by an external Qualified Security Assessor (QSA) for organizations handling large volumes of transactions, or by Self-Assessment Questionnaire (SAQ) for companies handling smaller volumes. • Initial specifications adopted December 2004 • 1.1 Specifications adopted September 2006 • 1.2 Specifications adopted October 2008 • 1.2.1 specifications adopted August 2009 • 2.0 specifications adopted October 2010 • As of January 2011, every institution must abide by 2.0 specifications

4. To Whom Does PCI DSS Apply? • All merchants & service providers that store, process, use, or transmit cardholder data • Retail (e-commerce & brick & mortar) • Hospitality (restaurants, hotels, casinos) • Convenience Stores (gas stations, fast food) • Transportation (airlines, car rental, travel agencies) • FinancialServices (credit card processors, banks, insurance companies) • Healthcare/Education (hospitals, universities) • Government (where payment cards are accepted)

5. PCI DSS Requirements “The Digital Dozen” PCI DSS Ver. 1.1

6. PCI Non-Compliance Consequences (Global) • If non-compliant and a breach occurs… • Merchants/Service Providers have liability for the acquirer bank's losses, cost of the investigations, litigation costs and card re-issuance costs • Fines per incident from Visa (against acquiring bank) • Restrictions imposed by card companies (prohibiting future credit card processing) • Repayment of losses may exceed the ability to pay and cause total failure of the organization • Other potential consequences: • Damaged brand reputation • Invasive media attention • Loss of customers

7. Over to 1,800 worldwide installations and growing Government • Agencies and ministries • Defense and security organizations • Crown corporations Banking • 80% of top 100 Banks • Numerous regional banks and credit unions • SaaS providers, ASPs, regulators, etc. Insurance • Used by 95% of top global insurances firms • SaaS providers, ASPs, regulators, etc. Many, many, more • Retailers • Utilities, Power, Oil and Gas • Airlines • etc.

8. What are WebSphere DataPower Appliances? Business Value The purpose of WebSphere DataPower Appliances is to take the ‘hard parts’ of SOA deployments (service security, integration, ESB, load distribution, etc.) that are traditionally performed by software on application servers, yet have nothing to do with Business Logic, and move those ‘hard parts’ into highly efficient hardened configuration driven devices in the network. By moving this computationally intensive “grunt work” into the network, your application servers regain cycles to do what you pay for them to do: Run Business Logic 8 8

9. What are WebSphere DataPower Appliances? Product Value “Specialized purpose-built hardened embedded network devices that take the “hard parts” of SOA security and integration traditionally requiring complex and costly software systems and delivers them in a simple “uncrate, rack, configure and deploy” platform.” Powerful and uniquely efficient message and file oriented configuration-driven Security and Integration platform with the extremely low operational TCO of a true network device. 9 9

10. HMC WebSphere DataPower - Use Cases Internet DMZ Trusted Domain Application Business 1 B2B Partner Gateway Application 2 Secure Gateway (Web Services, Web Applications) 3 Intelligent Load Distribution 4 Internal Security 5 Light Weight Integration 6 Web Service Management 7 Legacy Integration 8 Run time SOA Governance Consumer Mobile System z

11. WebSphere DataPower and the PCI DSS “Digital Dozen” Complete solution Part of solution WebSphere DataPower ideal solution for many requirements: • Build and Maintain a Secure Network • Requirement 1: Install and maintain a firewall configuration to protect cardholder data • Requirement 2: Do not use vendor-supplied defaults for system passwords and other security parameters • Protect Cardholder Data • Requirement 3: Protect stored cardholder data • Requirement 4: Encrypt transmission of cardholder data across open, public networks • Maintain a Vulnerability Management Program • Requirement 5: Use and regularly update anti-virus software • Requirement 6: Develop and maintain secure systems and applications • Implement Strong Access Control Measures • Requirement 7: Restrict access to cardholder data by business need-to-know • Requirement 8: Assign a unique ID to each person with computer access • Requirement 9: Restrict physical access to cardholder data • Regularly Monitor and Test Networks • Requirement 10: Track and monitor all access to network resources and cardholder data • Requirement 11: Regularly test security systems and processes • Maintain an Information Security Policy • Requirement 12: Maintain a policy that addresses information security

12. DataPower - Key Functions for PCI Compliance Easy to Use Appliance Purpose-Built for SOA Security Req. 1 • Web Services (XML)- Filter on any content, metadata or network variables • Web Application Firewall - HTTP Protocol Filtering, Threat Protection, Cookie Handling • Data Validation -Approve incoming/outgoing Web traffic, Web Services, XML at wirespeed • Field Level Security -WS-Security, encrypt & sign individual fields, non-repudiation • Encryption of transport layer - HTTP, HTTPS, SSL. • Anti Virus Protection -messages and attachments checked for viruses; integrates with corporate virus checking software through ICAP protocol • XML Web Services Access Control/AAA - SAML, LDAP, RADIUS, etc • Management & Logging -manage & track services, logging of all activities, audit. • Security Policy Management - security policies “universally understood” by multiple software solutions, eases PCI certification process. • Easy Configuration & Management -WebGUI, CLI, IDE and Eclipse Configuration to address broad organizational needs (Architects, Developers, Network Operations, Security) Req. 3,4 Req. 5 Req. 7,8,9 Req. 10 Req. 12

13. WebSphere DataPower: Protecting Cardholder Data • Incoming Message – data not encrypted • <Credit Card> • <Cust>Brian P. Bell</Cust> • <CreditCardNumber> • 3732 955939 395500</CreditCardNumber> • <Credit Type>AMEX</Credit Type> • ………………. • </Credit Card> • Encrypted & digitally signed Message • <Credit Card> • <Cust>Brian P. Bell</Cust> • <Encrypted CCN> • ws389maz301</Encrypted CCN> • <Credit Type>AMEX</Credit Type> • ………………. • </Credit Card> Client sends credit card information to be stored in the database though an supported protocol Encrypted XML data is delivered to the database to the encrypted credit card for later use Protocols: HTTP/s, MQ, Tibco, JMS, FTPs, NFS, etc Database Direct DB Connect Response message is received confirming the insertion of the encrypted credit card number into the database Response message is sent confirming the insertion of the encrypted credit card number into the database Key Functions: Terminate SSL Defend against XML threats Validate XML (schema) Authentication Authorization Audit/Transaction Logging Filter data Encrypt/Decrypt message Digitally sign message Mask back-end resources Route based on content • Requirement 3 • Protect stored cardholder data. • Requirement 4: • Encrypt transmission of cardholder data across open, public networks.

14. Access Control & Credential Mapping • Requirement 7 • Restrict access to cardholder data by business need-to-know. • Requirement 8 • Assign a unique ID to each person with computer access. Client send request to App Server Request carry client username & Password DataPower will authenticate client DataPower will map credentials for unified communication with backend * * Assuming all authentic users are authorized. Otherwise TAM or similar must be used for Authorization

15. DataPower Anti-Virus Protection • Allows messages and attachments to be checked for viruses • Integrates with corporate virus checking software through the ICAP protocol • Anti-Virus Processing Actioneases configuration and use ofthis capability • Includes pre-configured HostTypes (CLAM, Symantec, Trend, Webwasher) as well as customizability

16. Logging of Transactions • Requirement 10 • Track and monitor all access to network resources and cardholder data. • DataPower can Log transactions passing through it to: • On-the-box File System • Database • Network File System • MQ queues • FTP Server • DataPower could be integrated with monitoring software via • SNMP protocol (not vendor specific) • DataPower could integrate with Antivirus for attachments scanning • Requirement 5 • Use and regularly update anti-virus software

17. Protection against Open Web Application Security Project (OWASP) Top 10 Attacks Top 10 Most Critical Web Application Security Risks

18. Open Web Application Security Project Compliance Provides Protection Against 100 % Of OWASP Top 10 Risks

19. DataPower has deployments cross industry for PCI Compliance National Uniform Provider Major Prepaid Wireless carrier Large US based Insurance Provider Telecommunication Provider in Australia

20. Summary: Business Benefits • Key Reusable Core IT Functionality: Solves complex SOA IT service integration and security challenges in a secure, easy to consume and extremely low TCO network device • Configuration Driven: All enforced policies and mediations are configuration driven, not programmed. This significantly simplifies and reduces deployment requirements and cost • Flexibility: Secure, integrate, bridge and version applications without application modification • Reduce Complexity: Do work “in the network” as the data flows over the wire instead of on application servers, reducing infrastructure footprint and freeing up application servers to run more business logic • Reduce Time to Market: Dramatically decrease the “time to deploy” in your environment. Being a configuration-driven platform, most deployments are “uncrate, rack, configure and deploy” • Reduce Risk: Takes the “grunt work” out of SOA application security and integration allowing you to focus on building your business logic. “In the network” platform allows improved security and audit capabilities without application modification • Lower TCO: It’s a network device. Customers’ own data has shown that DataPower appliances can be 7X-8X less expensive to operate in the data center than software alternatives • A New Approach: These are not “software pre-installed on servers”. DataPower applies sophisticated embedded technology to solve complex IT challenges in new and novel ways 20

21. DataPower Product Family Highlights • B2B Appliance XB62 • B2B Messaging (AS1/AS2/AS3/EDI) • Trading Partner Profile Management • B2B Transaction Viewer • Support for HL7 and EDIfact Industry Pack • Integration Appliance XI50B, XI50z, XI52 • Hardware ESB • “Any-to-Any” Conversion at wire-speed • Bridges multiple protocols • Integrated message-level security • Network Load Balancing • Service Gateway XG45 • Enhanced Security Capabilities • Centralized Policy Enforcement • Fine-grained Authorization and Authentication • Network Load Balancing

22. Additional Information • WebSphere DataPower home page • http://www-01.ibm.com/software/integration/datapower • WebSphere DataPower Information Center (online help): • http://pic.dhe.ibm.com/infocenter/wsdatap/v5r0m0/index.jsp • developerWorks • http://www.ibm.com/developerworks/websphere/zones/businessintegration/dp.html • WebSphere Education • http://www.ibm.com/software/websphere/education/ • IBM Software Services for WebSphere • http://www.ibm.com/developerworks/websphere/services/ • IBM WebSphere DataPower SOA Appliance Handbook • http://www.ibmpressbooks.com/bookstore/product.asp?isbn=9780137148196 • DataPower SOA Appliance Customer Forum • http://www.ibm.com/developerworks/forums/forum.jspa?forumID=1198

23. Additional Information • Global WebSphere Community • http://www.websphereusergroup.org/datapower • Technotes • http://www.ibm.com/search/csass/search?q=&sn=spe&lang=en&filter=collection:stgsysx,dblue,ic,pubs,devrel1&prod=U692969C82819Q63 • DataPower Redbooks • http://www.redbooks.ibm.com/cgi-bin/searchsite.cgi?query=datapower • DataPower on YouTube • http://www.youtube.com/watch?v=LRy0twFpmUQ • zEnterprise and PCI-DSS compliance • http://www.businesswire.com/news/home/20100308006657/en/atsec-Publishes-Payment-Card-Industry-Compliance-Large • Certification Whitepaper regarding PCI Compliance • http://www.atsec.com/downloads/white-papers/PCI_Compliance_for_LCS.pdf • DataPower OWASP White Paper • ftp://submit.boulder.ibm.com/sales/ssi/ecm/en/wsw14196usen/WSW14196USEN.PDF

24. Thank You

25. OWASP DataPower Compliance Details

26. Threat: A1- Injection • Threat description • Injection flaws, such as SQL, Command shell, or LDAP injection, occur when untrusted data is sent to an interpreter as part of a command or query. The attacker’s hostile data can trick the interpreter into executing unintended commands, or accessing unauthorized data. • DataPower mitigation • Data type checking for invalid input • XML Threat protection setting for XPath injection • SQL injection filter configuration rejects SQL injections • Regular-expression filters used as a “catch-all” for shell injections, LDAP calls, PHP code, or any other programming language

27. Threat: A2 - Cross-Site Scripting (XSS) • Threat description • XSS flaws occur whenever an application takes untrusted data and sends it to a web browser without proper validation and escaping. XSS allows attackers to execute scripts in the victim’s browser which can hijack user sessions, deface web sites, or redirect the user to malicious sites. • DataPower mitigation • Native XSS filter configuration for rejecting incoming/outgoing traffic that contains XSS content

28. Threat: A3 - Broken Authentication and Session Management • Threat description • Application functions related to authentication and session management are often not implemented correctly, allowing attackers to compromise passwords, keys, session tokens, or exploit other implementation flaws to assume other users’ identities. • DataPower mitigation • Broad security standards support, i.e. WS-Security, XACML, SAML, SSL/TLS • “Out-of-the-box” integration with many industry-leading PDP solutions, such as Tivoli Access Manager, Active Directory, LDAP, SiteMinder, etc. • Centralized platform for Security governance • Tools for configurable AAA and Crypto processing, as well as key protection

29. Threat: A4 - Insecure Direct Object References • Threat description • A direct object reference occurs when a developer exposes a reference to an internal implementation object, such as a file, directory, or database key. Without an access control check or other protection, attackers can manipulate these references to access unauthorized data. • DataPower mitigation • Enforces security decisions based on properly classified users authorized to specific resources and actions in a policy. • Transforms and exposes indirect object identifiers that are mapped to direct object identifiers at the application, such as references to a SSN or an Account number.

30. Threat: A5 - Cross-Site Request Forgery (CSRF) • Threat description • A CSRF attack forces a logged-on victim’s browser to send a forged HTTP request, including the victim’s session cookie and any other automatically included authentication information, to a vulnerable web application. This allows the attacker to force the victim’s browser to generate requests the vulnerable application thinks are legitimate requests from the victim. • DataPower mitigation • Provides several building blocks to prevent such attacks: • Creation, or checking Nonce values • Generation, or validation Digital Signatures on each request • Creation, or confirmation for Hash values • Injection, or parsing of secondary session cookies present in hidden HTTP fields

31. Threat: A6 - Security Misconfiguration • Threat description • Security misconfiguration can happen at any level of an application stack, including the platform, web server, application server, framework, and custom code. The system could be completely compromised without one knowing it. Causing all data to be stolen, or modified slowly over time. • DataPower’s mitigation • DataPower can't solve this problem alone, but it can significantly reduce the scope of what must be configured, or programmed • By pulling security policies and functions away from application servers and centralizing them on DataPower, the chance of security misconfiguration is reduced because the number of systems that contain security processing code is also reduced. • Additionally, centralizing corporate wide security policies on a common gateway means that services that trust the gateway are all configured to share a consistent security policy among them.

32. Threat: A7 - Insecure Cryptographic Storage • Threat description • Many web applications do not properly protect sensitive data, such as credit cards, SSNs, and authentication credentials, with appropriate encryption or hashing. Attackers may steal or modify such weakly protected data to conduct identity theft, credit card fraud, or other crimes • DataPower mitigation • Standards based cryptographic processing, such as encryption and hash operations • Secured key material stored in the encrypted part of the file system • Encrypts sensitive data and stores it in a database. Providing authorized applications to access confidential data through DataPower – in essence functioning as a Data-as-a-Service (DaaS) provider

33. Threat: A8 - Failure to Restrict URL Access • Threat description • Many web applications check URL access rights before rendering protected links and buttons. However, applications need to perform similar access control checks each time these pages are accessed, or attackers will be able to forge URLs to access these hidden pages anyway. • DataPower mitigation • Leverage DataPower’s explicit white-list policy model using Matching rules • Enforces per-request authentication and resource-based authorization based on the AAA framework • URL-Rewrites to hide the original URL of the backend application

34. Threat: A9 - Insufficient Transport Layer Protection • Threat description • Applications frequently fail to authenticate, encrypt, and protect the confidentiality and integrity of sensitive network traffic. When they do, they sometimes support weak algorithms, use expired or invalid certificates, or do not use them correctly. • DataPower mitigation • SSL Proxy configuration secures traffic using SSL/TLS • Strong SSL Cipher suite is available and enabled by default • Clients can be trusted using mutual authentication • CRL and OCSP support ensures certificates are valid and trusted • The key material is stored securely in an encrypted portion of the flash memory

35. Threat: A10 - Invalid Redirects and Forwards • Threat description • Web applications frequently redirect and forward users to other pages and websites, and use untrusted data to determine the destination pages. Without proper validation, attackers can redirect victims to phishing or malware sites, or use forwards to access unauthorized pages. • DataPower mitigation • Applications not expecting Re-directs can be configured to reject HTTP 302 • HTTP Front-side handler, User-Agent and URL Re-write configurations can be used to flag and reject these requests as potential threats