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P2050-003 exam Dumps Source : IBM Commerce Solutions Selling Technical Mastery Test v1

Test Code : P2050-003
Test appellation : IBM Commerce Solutions Selling Technical Mastery Test v1
Vendor appellation : IBM
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IBM IBM Commerce Solutions Selling

IBM (IBM) incomes fine Media insurance, InfoTrie experiences | killexams.com real Questions and Pass4sure dumps

news headlines about IBM (NYSE:IBM) believe trended superb currently, in accordance with InfoTrie Sentiment analysis. The research neighborhood identifies tremendous and execrable press insurance via monitoring greater than 6,000 tidings and weblog sources in precise-time. The solid ranks coverage of companies on a scale of penniless 5 to 5, with rankings closest to five being probably the most favorable. IBM earned a media sentiment ranking of two.sixty seven on their scale. InfoTrie also gave tidings headlines concerning the know-how enterprise an tidings buzz rating of 2 out of 10, indicating that recent press coverage is terribly not going to believe an believe an outcome on on the company’s share expense in the next a number of days.

listed here are one of the most information headlines that may additionally believe impacted IBM’s rating:

IBM has been the matter matter of a number of analyst reviews. Morgan Stanley lowered their goal fee on shares of IBM from $185.00 to $168.00 and set an “obese” score on the stock in a analysis notice on Wednesday, October 17th. u.s.a.community upgraded shares of IBM from a “impartial” score to a “purchase” ranking and lifted their cost target for the company from $one hundred sixty.00 to $180.00 in a record on Wednesday, September 26th. ValuEngine downgraded shares of IBM from a “sell” rating to a “mighty promote” ranking in a document on Thursday, November 1st. Zacks investment research downgraded shares of IBM from a “buy” rating to a “grasp” rating in a report on Wednesday, September nineteenth. ultimately, Argus downgraded shares of IBM from a “purchase” ranking to a “grasp” rating in a record on Thursday, October 18th. Three analysts believe rated the inventory with a promote score, eleven believe assigned a dangle rating and eight believe issued a buy score to the inventory. The inventory has a consensus ranking of “hang” and a consensus charge goal of $161.00.

Shares of NYSE IBM opened at $116.forty three on Thursday. The enterprise has a debt-to-fairness ratio of 1.eighty one, a short ratio of 1.26 and a present ratio of 1.31. The enterprise has a market capitalization of $105.fifty one billion, a price-to-income ratio of 8.forty four, a P/E/G ratio of 1.69 and a beta of 1.20. IBM has a 52-week low of $114.09 and a fifty two-week extravagant of $171.13.

IBM (NYSE:IBM) closing posted its income effects on Tuesday, October sixteenth. The technology business mentioned $3.forty two earnings per share for the quarter, topping analysts’ consensus estimates of $three.40 with the aid of $0.02. IBM had a web margin of seven.12% and a recur on equity of sixty nine.ninety eight%. The solid had income of $18.seventy six billion for the quarter, compared to the consensus assay of $19.04 billion. everything through the equal length within the obsolete yr, the company posted $3.30 EPS. The company’s quarterly income become down 2.1% on a year-over-12 months groundwork. On usual, equities analysts forecast that IBM will post 13.81 income per share for the existing yr.

IBM announced that its board has licensed a share repurchase program on Tuesday, October thirtieth that permits the company to repurchase $four.00 billion in surprising shares. This repurchase authorization allows the expertise company to repurchase up to three.5% of its inventory via open market purchases. stock repurchase classes are commonly a demonstration that the company’s leadership believes its inventory is undervalued.

The enterprise also lately announced a quarterly dividend, which became paid on Monday, December 10th. Stockholders of list on Friday, November ninth had been issued a $1.fifty seven dividend. The ex-dividend date turned into Thursday, November eighth. This represents a $6.28 dividend on an annualized foundation and a dividend capitulate of 5.39%. IBM’s dividend payout ratio (DPR) is perquisite now forty five.fifty one%.

In different IBM information, Chairman Virginia M. Rometty purchased eight,500 shares of IBM stock in a transaction dated Friday, November 2nd. The shares believe been purchased at a typical can saturate of $117.fifty one per share, for a total transaction of $998,835.00. Following the acquisition, the chairman now at once owns eleven,368 shares within the enterprise, valued at approximately $1,335,853.68. The acquisition became disclosed in a filing with the SEC, which is accessible in the course of the SEC web site. additionally, Director Sidney Taurel purchased 4,311 shares of IBM inventory in a transaction dated Wednesday, October thirty first. The inventory changed into bought at a chummy expense of $a hundred and fifteen.02 per share, for a complete transaction of $495,851.22. Following the completion of the acquisition, the director now owns 19,987 shares in the company, valued at $2,298,904.seventy four. The disclosure for this purchase will also subsist found perquisite here. Insiders own 0.17% of the enterprise’s stock.

WARNING: “IBM (IBM) incomes fine Media insurance, InfoTrie stories” changed into firstly suggested through Markets daily and is the property of of Markets each day. when you are reading this information tale on a further domain, it became illegally stolen and republished in violation of united states & curious copyright and trademark law. The chummy version of this tidings tale can subsist seen at https://www.themarketsdaily.com/2018/12/20/ibm-ibm-incomes-wonderful-media-coverage-infotrie-reviews.html.

About IBM

overseas company Machines Corp. is an guidance know-how company, which provides integrated solutions that leverage information know-how and talents of company approaches. It operates during the following segments: Cognitive solutions, global company services, expertise capabilities & Cloud systems, techniques, and international Financing.

Featured Story: risk Tolerance

Insider Buying and Selling by Quarter for IBM (NYSE:IBM)

receive tidings & ratings for IBM each day - Enter your email tackle beneath to acquire a concise day by day summary of the latest information and analysts' scores for IBM and related organizations with MarketBeat.com's FREE daily electronic mail newsletter.


IBM to sell software items to HCL for $1.8B: Key Takeaways | killexams.com real Questions and Pass4sure dumps

international business Machines enterprise (IBM - Free record) recently entered perquisite into a definitive settlement to divest seven utility items to HCL applied sciences for about $1.8 billion.

Per the phrases of the contract, IBM intends to promote Appscan, Bigfix, Commerce, Connections, Notes & Domino, Portal and Commerce utility options.

The options are estimated to believe a total addressable market (TAM) exceeding $50 billion. especially, the utility offerings consist of three on-premise solutions.

The enterprise deal is expected to conclude within mid-2019, discipline to customary regulatory approvals.

IBM’s shares were up very nearly 2% the day before today, while that of HCL which trades under NSE (India) with the ticker “HCLTECH” had been down approximately 5%.

notably, shares of IBM believe shed 15.5% year to date, in comparison with the trade’s decline of 10.2%.

Key Takeaways for IBM

The movement is in sync with IBM’s increasing hub of attention on bolstering its hybrid cloud company. The business estimates the charge of its hybrid cloud company at $19 billion.

In a keen contrast, IBM’s Cognitive options’ section isn't painting a promising photo. in fact, Cognitive options’ revenues-exterior diminished 5.7% yr over 12 months (down 5% at cc) to $4.15 billion in third-quarter 2018. Segmental revenues concerning Strategic Imperatives and Cloud declined 4% and a pair of%, respectively.

specifically, options software revenues are suggested under Cognitive options’ segment. solutions software includes choices in strategic verticals like health, area-particular capabilities like analytics and security, and IBM’s emerging applied sciences of AI and blockchain. The phase also includes offerings that exploit horizontal domains like collaboration, commerce and skill. options utility revenues declined 3% yr over year in third-quarter 2018.

In a bid to understand hybrid cloud goals, IBM intends to give corporations with market leading hybrid cloud platform enabling them to shift their company applications seamlessly to the cloud. in this regard, the company lately entered into a definitive constrict to purchase red Hat for approximately $34 billion in cash. The buyout is expected to shut within the latter half of 2019.

by using divesting the application items, IBM will gain $1.eight billion, anticipated to enhance the company’s money position, which is vital at this factor of time.

above all, IBM ended third-quarter 2018 with $14.70 billion in complete money and marketable securities in comparison with $11.ninety three billion at the cessation of second-quarter 2018. complete debt (together with world financing) turned into $46.9 billion, up $1.four million from the previous quarter.

additionally, the business is also predicted to partly mitigate the sluggishness in Cognitive solutions’ segment with this deal.

in the words of senior vice chairman of IBM’s Cognitive solutions and research, John Kelly, "We reliance the time is arrogate to divest these elect collaboration, advertising and commerce application belongings, which can subsist more and more delivered as stand-alone items.”

HCL Stands to benefit

The seven software solutions delineate solutions in excessive-increase security, commerce and advertising domains, which benevolent Noida, India-headquartered HCL’s distinct working segments. additional, HCL and IBM currently believe an IP Partnership encompassing 5 of the seven products in consideration.

These elements will allow HCL to seamlessly combine the items in its company approaches.

moreover, some of those options are diagnosed as market main solutions in respective fields, which is a good.

further, with the closure of the deal, HCL is anticipated to expand its business globally via gaining IBM’s client base.

bottom line

We believe it's a win-win circumstance for both the groups worried because it permits them to understand their respective company desires.

With the closure, they coincide with IBM will subsist smartly located to hub of attention on its hybrid cloud businessin a fantastic manner. instead of blocking resources on the construction and enhancement of the stand-on my own products worried, the business is anticipated to toughen its foothold in the hybrid cloud market.

Zacks Rank & Key Picks

IBM incorporates a Zacks Rank #3 (grasp). Twitter, Inc. (TWTR - Free document) , Upland application (UPLD - Free document) and Intel (INTC - Free document) are some stocks charge considering the fact that within the broader expertise sector. everything of the three stocks flaunt a Zacks Rank #1 (mighty purchase).

that you can see the finished list of nowadays’s Zacks #1 Rank stocks here.

long-term profits boom fee for Twitter, Upland utility and Intel is currently pegged at 22.1%, 22% and eight.four%, respectively.

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or not it's challenging to believe, even for us at Zacks. but whereas the market gained +21.9% in 2017, their suitable stock-settling on displays believe returned +one hundred fifteen.0%, +109.three%, +104.9%, +ninety eight.6%, and +67.1%.

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here's why IBM just sold a $1.eight billion chunk of its application company to the Indian IT business HCL | killexams.com real Questions and Pass4sure dumps

One month after IBM introduced its $34 billion strategic acquisition of red Hat, the utility huge revealed a sale of its personal.

IBM introduced late Thursday that it would sell a collection of application items to the Indian IT enterprise HCL for $1.8 billion.

in the deal, IBM will promote seven enjoyable application applications in the collaboration, on-premise advertising, and commerce spaces, which altogether believe an addressable market of $50 billion, the company mentioned. those functions believe been the closing products left over from its acquisition of Lotus, which it purchased for $three.5 billion in 1995.

IBM and HLC already had intellectual-property partnerships on five of those items.

while HCL's stock rate took a 5% imerse on Friday following the information, Wall highway changed into a bit greater supportive of IBM's preference to abandon the property in covet of extra cash and a stronger-margin application portfolio. nonetheless, IBM shares fell more than 3% in buying and selling on Friday, notwithstanding the stock become noiseless buying and selling above its low for November.

"We like that IBM continues to sell its non-core software product lines," the usanalyst John Roy wrote.

The utility suite become a fraction of IBM's Cognitive options, a segment that comprises IBM Watson fitness and other synthetic-intelligence companies — and which has viewed profits declines. The company talked about it expected to peer this segment enrich its salary extend after the sale.

Cognitive solutions brought in $four.15 billion in the third quarter of 2018 , down 6% from the identical duration in 2017. Its margins declined through 2.7% within the identical duration, in line with the company filing.

IBM has completed similar deals every year over the past 14 years

In a blog submit on Friday, IBM explained the sale to traders as being a fraction of a propel towards a "excessive-price mannequin," which virtually capacity the business would rather invest in better-yield rising areas equivalent to AI, cloud, and blockchain than labor out a manner to assist its declining corporations grow.

examine greater: IBM changed into dropping the cloud wars — here's why Wall street thinks its $34 billion pink Hat acquisition will change that

"providing a high-price model additionally requires ongoing funding prioritization, for the intuition that elements comparable to market elegance, differentiation, and significance to IBM's built-in mannequin," the business talked about within the publish.

but this manner is never recent for IBM. Roy, the usanalyst, wrote that IBM had similarly sold off some of its utility portfolio over every of the previous 14 years. everything of those offers, he pointed out, were valued at $740 million to $1.6 billion.

bottom line: it subsist no longer about crimson Hat

IBM's $34 billion acquisition of pink Hat in October has created some redundancies in the enterprise's portfolio, but it's no longer why this sale is occurring, Roy wrote.

A "capabilities issue" for IBM is that as soon as the acquisition closes, there can subsist some overlap between middleware products, akin to IBM's WebSphere and pink Hat's JBoss product lines, he observed — however that risk would not accommodate any of the products that it sold off to HCL.

as an alternative, united states of americaviews this as an facile sale of underperforming utility products, as it refocuses on the beneficial stuff.

"Mixing away from under-performers is only first rate enterprise," Roy wrote.




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P2050-003 exam Dumps Source : IBM Commerce Solutions Selling Technical Mastery Test v1

Test Code : P2050-003
Test appellation : IBM Commerce Solutions Selling Technical Mastery Test v1
Vendor appellation : IBM
: 25 real Questions

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How Can Brands ‘Converge’ Ad Tech And Mar Tech? | killexams.com real questions and Pass4sure dumps

"Brand Aware” explores the data-driven digital ad ecosystem from the marketer's point of view.

Today's column is written by Tony Ralph, director of data and marketing technology at Intuit QuickBooks.

With at least one notable exception, nearly everything researchers foretell the inevitable convergence of the mar tech and ad tech ecosystems.

Predictions aside, as a technologist working within and between these two worlds, I can affirm definitively that it is the exception when they find solutions that gracefully blend the data and performance advantages of each, not the rule.

This is ill-started since it should subsist their obligation to provide prospects and customers with digital experiences that are graceful, consistent and harmonious across both paid and owned media.

When they find that dollars, data and platforms are bifurcated across these two realms, how can brands present a holistic and unified user journey experience?

Bringing Ad Tech Data Science To Mar Tech

Ad tech spans the systems used to optimize a potentially global dialogue between businesses and their customers via paid media. With big budgets and vast volumes of data, the space has evolved to encompass a world of real-time bidding, abysmal algorithmic exploration and optimization at scale via machine learning.

I’ve personally participated in rigorous experimentation that has shown that for long-running campaigns, absolute machine learning, on the smartest platforms, regularly outperforms manual targeting and optimization. In the ad tech world, today’s contest of man vs. machine learning is tipping in favor of the machine.

Mar tech platforms, on the other hand, believe evolved in a manner that relies on defining targeting and segmentation rules in advance of initiating a campaign. These rules are often operationally challenging to setup, test and debug.

Thus, introducing machine learning into the mar tech realm has the potential to enhance optimization and streamline day-to-day operations. In fact, early returns for campaigns I’ve been involved with explain significant tryst increases relative to static rules-based campaigns, as well as ease in configuration.

Challenges to this approach may comprise finding resources that are abundant in the ad tech world: data and data scientists. In the case of mar tech, we’ve found that there may not subsist enough scale or fealty of data to drive modeling exercises efficiently. However, within the mar tech realm, one can often supplement basic interactivity data such as opens and clicks with information gleaned from customers via web and product interactions or even event-level data from the ad tech space.

It is not uncommon for mar tech teams to operate in-house, whereas ad tech’s historical complexity often compels teams to labor with agencies. However, it is not as common to earmark data scientists to mar tech teams. I would recommend committing data science efforts to mar tech in the identical artery they believe been deployed in ad tech space. Aside from the modeling exercises, brands will likely find that enhanced reporting and analytics is a speedy ensue with this mindset shift.

Bringing Mar Tech First-Party Data To Ad Tech

Mar tech entails working with a much smaller number of known customers, contacts or leads. Rather than paid media, mar tech generally involves first-party experiences such as email or mobile campaigns, web experiences or proffer programs.

As opposed to mar tech, where I insinuate an extend in data science investment, it’s time to confront the contrary trend in ad tech.

As an avid ad tech hacker, I affirm this with some sense of regret. I feel nostalgia for the rooms packed with armies of people optimizing keyword bids, structure in-house bidders and conducting nuanced bid-optimization testing. Alas, we’re finding these approaches are becoming less and less justifiable from an ROI perspective due to the even of machine-learning investment by the grand ad tech platforms.

We shouldn’t, however, just gyrate over the keys entirely to platform partners. The strategy evolves to ensuring brands are setting arrogate conversion goals and supplementing the modeling with high-fidelity feedback in the contour of their first-party data. This mastery of first-party data and customer segmentation is precisely the domain that mar tech teams believe been refining for years.

In short, just as mar tech tactics can subsist enhanced with the data science approach they find in ad tech, the data and systems that drive mar tech efficiency can subsist extended as feedback loops to optimize ad tech campaigns. More importantly, this cross-pollination compels marketing and advertising teams to integrate tactics and harmonize campaigns that were once partitioned.

Imagine traditional mar tech campaigns across web, email or product experiences not dictated by targeting founded on static rules but infused with modeling output from an ad tech data science team. At the identical time, ad tech campaigns might subsist seeded with high-value audiences, bidding influenced by lifetime-value indices or optimization algorithms fueled by circumstantial conversion data supplied via your internal mar tech tools and teams.

These opportunities are available to brands today with no requisite to wait for vendors to travel down the arduous road toward convergence, which has many technical and governance challenges. What may subsist more intriguing is how many brands handcuff themselves organizationally by splitting budgets and teams across paid and owned media. When the focus is on tactics and channels, this outcome is facile to derive.

However, when the focus is on unifying the holistic user journey for customers, brands may arrive at a different outcome. With this approach, the most profound convergence may subsist breaking down silos within teams and organizations to create a world where paid and owned tactics labor in unison to deliver a brand dialogue that is brilliant and unified across every digital paw point.

Follow Intuit QuickBooks (@QuickBooks) and AdExchanger (@adexchanger) on Twitter.


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PCI DSS questions answered: Solutions to tough PCI problems | killexams.com real questions and Pass4sure dumps

During their recent virtual seminar, PCI DSS 2.0: Why the latest update matters to you, experts Ed Moyle and Diana...

Kelley of SecurityCurve were unable to respond everything of the PCI DSS questions they received during their live question-and-answer session. SearchSecurity.com has asked them to give brief responses to each of the unanswered questions, and we've published those questions and responses below to advocate you unravel your unique PCI problems.

For additional information about the Payment Card Industry Data Security Standard, visit SearchSecurity.com's PCI DSS resources page.

  • Where can they find information about PCI DSS compliance that is focused on those of us who are "Mom & Pop" shops?Since most miniature organizations drop into the self-assessment category, a mighty resource is the Security Standards Council SAQ (Self-Assessment Questionnaire) section. Specifically these documents:

    SAQ main page

    PCI DSS SAQ instructions and guidelines

    SAQ: How it everything fits together

    SAQ A-D and Guidelines

  • It seems the necessity of PCI compliance hasn't fully penetrated the Asian markets. enact you believe any suggestions on how to achieve compliance for companies who enact business in Asia, where adjusting to PCI standards aren't a priority?Companies should subsist compliant regardless of where the payment information is stored, processed or transmitted. Even if processors in a particular locale aren't as focused on the standard, the companies (merchants/retailers) with operations in those locales should implement the identical controls as they enact in other areas of the globe.

  • If card data is entered via the virtual terminal of a third-party on a desktop PC where wireless is not enabled, enact I requisite wireless scans?All wireless networks within the CDE (cardholder data environment) requisite to subsist scanned pursuant to the PCI DSS wireless guidelines provided by the Council. If audit and test findings verify there is no wireless on the virtual terminal and there is no wireless within the CDE, additional scans are not required (for example, note that the wireless scanning requirement is not addressed in SAQ C-VT specific to virtual terminal-only environments). Note, however, that if you employ other devices beyond just the virtual terminal to store/process/transmit cardholder data (such as a PoS on your network), you will believe to scan.

  • Is there a benchmark for isolating non-compliant custom systems that enact not believe a newer PCI-compliant version available? Let's assume this would subsist a software package without encryption in its database.There are two standards for payment software – the PA DSS for commercial software and the PCI DSS for commercial software with significant customization and custom software. If the custom software is saving PANs in an unencrypted format, it is non-compliant with PCI DSS. The best options are to halt saving the PANs and employ an alternative -- like masking, tokens or other unique identifier -- or find a artery to encrypt the PAN data before it enters the database. If this is not possible, create a document explaining why, list compensating controls (such as increased monitoring and access control) and establish in situation a road map for mitigating or eliminating the problem. Although the compensating controls/road map will not carry weight a fully compliant RoC or SAQ, it does explain beneficial faith on the fraction of the company to labor towards correcting the problem.

  • In terms of a policy strategy, should an enterprise's existing information security policies subsist amended to comprise PCI requirements, or enact the requirements requisite to subsist addressed in PCI-specific policies?In most cases the CDE (cardholder data environment) under PCI is a very miniature portion of the network and should subsist clearly zoned off from the relaxation of the corporate network activities. As a divide fraction of the network, a unique policy (or policy set) should apply for that zone. So PCI-specific policies should exist. However, parts of existing policy – for instance tenacious password controls and reset – can subsist re-used in the PCI-specific policies where applicable.

  • Regarding encryption in requirement 3, if the decryption key is not present in the cardholder environment, is the system out of the scope of PCI?In the FAQ section of the Council site it states: "Encrypted data may subsist deemed out of scope if, and only if, it has been validated that the entity that possesses encrypted cardholder data does not believe the means to decrypt it." So if the entity does not believe the key, that data may subsist deemed out of scope.

  • Does PCI require verification that there are no rogue wireless access points that may believe connected to the POS network?Yes. From the Council's Wireless Guidance: "These are requirements that everything organizations should believe in situation to protect their networks from attacks via rogue or unknown wireless access points (APs) and clients. They apply to organizations regardless of their employ of wireless technology and regardless of whether the wireless technology is a fraction of the CDE or not." And, "The purpose of PCI DSS requirement 11.1 is to ensure an unauthorized or rogue wireless device introduced into an organization's network does not allow unmanaged and unsecured WLAN access to the CDE. The intent is to preclude an attacker from using rogue wireless devices to negatively repercussion the security of cardholder data. In order to combat rogue WLANs, it is acceptable to employ a wireless analyzer or a preventative control such as a Wireless Intrusion Detection/Prevention System (IDS/IPS) as defined by the PCI DSS."

  • Where is cataclysm recovery and business continuity planning covered in the PCI DSS requirements, or is it?Disaster recovery and BCP are not explicitly called out in the 2.0 version of PCI DSS; however, incident response planning is. "12.5.3 - Establish, document, and dispense security incident response and escalation procedures to ensure timely and efficacious handling of everything situations." also in the Penetration Testing supplement it states: "Perform testing in accordance with faultfinding company processes including change control, business continuity, and cataclysm recovery." And, in the Application Reviews and Web Application Firewalls Clarified it states: "Adhere to everything policies and procedures including change control, business continuity, and cataclysm recovery."

  • Would you define "scope" as the geographical region of the PCI servers? Or would you define "scope" as the SAQ requirements? It seems at times they are used interchangeably.The scope of the audit surface is the cardholder data environment (CDE). The CDE is "The people, processes and technology that store, process or transmit cardholder data or sensitive authentication data, including any connected system components." So any system component in the CDE is in scope regardless of geographic location.

  • Shared accounts are prohibited according to PCI DSS as I understand it, but imagine if you believe your network rig management outsourced and the firewalls and switches for the cardholder environment are managed by a third party or a service supplier. In this scenario, you would requisite two-factor authentication for administrative access to the CHE, but what if the service provider/supplier has several technicians and you are using RSA tokens? enact you believe to supply one authentication account and one RSA token per technician? Or is it necessary only to supply one account and one RSA token for the service provider/supplier? You're perquisite that shared accounts are prohibited by PCI DSS; Requirement 8 states: "Assign a unique ID to each person with computer access." Strictly speaking, to subsist compliant, a unique ID and two-factor token would requisite to subsist assigned for each person remotely administering the firewalls and switches.

  • Can you converse to some of the feedback you believe received from clients who believe implemented a tokenization product, including some of the key areas to focus on when selecting a vendor?We've received positive feedback from companies that employ tokenization in the CDE to reduce scope. One that they spoke to and believe mentioned publicly is Helzberg Diamond Shops, Inc.. However, they caution that to subsist completely effective, organizations requisite to also address scope reduction and zoning, document the tokenization implementation so it can subsist reviewed during audit, and verify with your acquirer/processor that tokenization is acceptable. For vendor selection, the Council is working on tokenization guidance, but Visa Inc.has already issued its recommended guidance, Tokenization Best Practices.
  • Speaking from a university standpoint, they boost credit cards in many ways -- POS, Internet, MOTO – but they employ only PA-DSS applications and they are hosted by a service provider, so they enact not store any CHD. Their CHDE is really the PCs (and network) where the card data is entered or swiped. They believe segmented everything system components (PCs where CHD is entered or swiped) away from their regular network. It appears that many of the PA-DSS requirements are in reference to "stored" credit card data. Can you give me some recommendation on how to determine how much of the requirements apply to us given that they enact not store CHD? They believe secured everything components that believe CHD entered and they are running PA-DSS-compliant applications.Sounds like you've done a lot of mighty scoping work. The PA-DSS applies to applications, but entities noiseless requisite to subsist PCI DSS compliant. Since your applications are already PA-DSS compliant, focus instead on what matters to your university, which is attesting to PCI DSS compliance. If your transactions levels qualify you for self-assessment review, the self-assessment guidelines (please see question 1 for more information) and determine which one applies and complete that. In general, if you drop under multiple SAQs your acquirer/processer will want you to complete SAQ –D. However, to subsist sure, check with your acquirer/processor to confirm.
  • Can you proffer recommendation on what to behold for in an internal audit and reporting product for PCI DSS compliance?There are multiple audit and reporting appliance types that can subsist used in PCI DSS compliance. For example, a penetration testing system will recur reports on vulnerabilities and exposures in the CDE, while a patching system will recur reports on patch information, both of which apply. In many cases, when organizations believe about a meta-console for reporting, it is a log or event/information aggregation console that brings together multiple reporting components for employ in PCI DSS compliance work. For any tool, behold for the ability to check for issues specific to PCI DSS (ex: password policy on servers and applications in the CDE) and report on these in a template that maps the finding to the specific requirement.

  • I believe a question about PCI and the cloud. They are a PCI even 1 merchant. They are thinking of affecting their data hub to cloud, Amazon to subsist specific. They understand that Amazon is PCI even 1 compliant. Is it really practicable to subsist a PCI-compliant even 1 merchant in a cloud environment? enact you believe any guidance regarding PCI in a cloud environment?Amazon.com Inc. (Amazon Web Services – AWS) is, as of this writing, a PCI DSS Validated Service Provider. However, using AWS, or any Validated Service Provider, does not eliminate the requisite to entity using the service to subsist PCI DSS compliant . As Amazon notes, "All merchants must manage their own PCI certification. For the portion of the PCI cardholder environment deployed in AWS, your QSA can reckon on their validated service provider status, but you will noiseless subsist required to fullfil everything other PCI compliance and testing requirements that don't deal with the technology infrastructure, including how you manage the cardholder environment that you host with AWS." So while a cloud provider can subsist third party validated as a PCI DSS provider, this doesn't carry weight they're certified to PCI or that entities using the service are automatically certified.

    If you are going to host some or everything of your CDE in the cloud, enact so with a compliant provider. However, don't forget to annually check that the provider is remaining compliant with your CDE, as well as the parts of your CDE that are hosted in the cloud. Additionally, according to the PCI Security Standards, your RoC must "document the role of each service provider, clearly identifying which requirements apply to the assessed entity and which apply to the service provider." And:

    "12.8 – If cardholder data is shared with service providers, maintain and implement policies and procedures to manage service providers, to comprise the following:

    12.8.1 – Maintain a list of service providers.

    12.8.2 –Maintain a written agreement that includes an acknowledgement that the service providers are liable for the security of cardholder data that the service providers possess.

    12.8.3 - Ensure there is an established process for engaging service providers including proper due diligence prior to engagement.

    12.8.4 - Maintain a program to monitor service providers' PCI DSS compliance status at least annually"

  • In application to ensure PCI compliance, they believe a number of different products from different vendors, since there does not appear to subsist one replete PCI compliance "solution." Is this by design? Is there any handicap to having each requirement met by a different vendor's product?There are a number of components in PCI compliance and they encompass people, process and technology, and span both the physical and the logical. Also, everything of the documentation related to policies and process. It would subsist extremely difficult (arguably impossible) for a lone solution to enact it all. The reality is that organizations employ a number of different vendor solutions for the technical controls.

    Some vendors provide products that meet different controls. For example, a vendor with a log aggregation or SIEM appliance that also sells antivirus/malware or patch management. The grand win is not necessarily to believe everything tools (or many tools) from the identical vendor, but to subsist able to bring together reporting, logs, test and monitoring information in a centralized situation to acquire oversight and compliance monitoring more comprehensive and efficient.

  • How can companies deal with muster recordings in the muster hub when taking card payments by phone? Are there any mitigating factors?Because there is not a lot of muster hub guidance in the PCI DSS, the Council addressed muster hub issues in a special FAQ #5362. "The Council's position remains that if you can digitally query sensitive authentication data (SAD) contained within audio recordings - if dejected is easily accessible - then it must not subsist stored."

    Though this is not hosted on the PCI Security benchmark Council Domain -- it is the official FAQ for the Council and can subsist accessed directly by clicking in the FAQs link at the top of the official Council page.

    Also, delight see question below for additional information on storage rules regarding sensitive authentication data (SAD).

  • Our call-recording solution requires manual intervention to bleep out the CV2 number. Is this sufficient as a compensating control to meet the standard?

    If the CV2 (or any other sensitive authentication data/SAD) is not stored, this should meet the standard. Document how the manual process is implemented to ensure dejected is truly being deleted and not stored.

    Alternately, according to PCI Security Standards Council FAQ "If these recordings cannot subsist data mined, storage of CAV2, CVC2, CVV2 or CID codes after authorization may subsist permissible as long as arrogate validation has been performed. This includes the physical and logical protections defined in PCI DSS that must noiseless subsist applied to these muster recording formats."

  • If you believe backups of credit card data in a secure location, is that a violation? How can it subsist mitigated?It's not a violation -- it is fraction of a requirement! Requirement 9.5 explicitly states: "Store media back-ups in a secure location, preferably an off-site facility, such as an alternate or back-up site, or a commercial storage facility. Review the location's security at least annually." recall to acquire certain the data was encrypted before it was backed up and that the personnel at the facility enact not believe the key to decrypt the data.

  • What are the rules for external scanning?External scanning is covered in Requirement 11.2.2 – "Perform quarterly external vulnerability scans via an Approved Scanning Vendor (ASV), approved by the Payment Card Industry Security Standards Council (PCI SSC).

    Note: Quarterly external vulnerability scans must subsist performed by an Approved Scanning Vendor (ASV), approved by the Payment Card Industry Security Standards Council (PCI SSC). Scans conducted after network changes may subsist performed by internal staff." 

    See the PCI Security benchmark for a list of ASVs

    Also helpful is the ASV Program Guide, and the ASV Client Feedback Form

  • PCI 2.0 lightly touches upon virtualization for the first time. Does this extend beyond virtual machine images to virtual appliances (e.g. employ of virtual firewalls & virtual switches in hosted products)?Yes, according to the Scope of Assessment for Compliance it does extend to virtual appliances. "System components" in v2.0 include, "any virtualization components such as virtual machines, virtual switches/routers, virtual appliances, virtual applications/desktops, and hypervisors." also note that virtualization is mentioned in Requirement 2.2.1: Implement only one primary role per server, "Note: Where virtualization technologies are in use, implement only one primary role per virtual system component."

  • Is a system that is not holding the cardholder data, but only processing it (like a Web farm) a fraction of PCI audit requirements?Yes, if a system component stores, processes or transmits cardholder data or sensitive authentication data, it is fraction of the CDE and within scope of the PCI DSS audit. For additional guidance, refer to the Scope of Assessment for Compliance with PCI DSS requirements section of PCI DSS v2.0.

  • When enact companies believe to switch over to PCI 2.0?For the absolute final word on compliance deadlines, check with your acquirer or specific card brand. In general, however, v2.0 went into outcome on January 1, 2011 and there is a year to comply with the recent standard. If you are in the middle of an assessment cycle that started in 2010 and the compliance assessment will subsist completed before the cessation of 2011, you can continue the process with v1.2.1. If you a starting a recent assessment cycle in 2011, employ v2.0.

  • If an organization has filled out the self assessment questionnaire (SAQ) and identified that it has not complied with the 12 DSS requirements, should the SAQ noiseless subsist submitted? Or should the organization wait until the 12 requirements believe been satisfied?Before admitting defeat, see if there is any artery your organization can ensnare to subsist compliant. Don't forget, if a non-compliant system or process is not essential, it could subsist scoped out of the CDE and out of the compliance surface. also don't forget about compensating controls. The pattern is to subsist fully compliant, but compensating controls provide a artery for organizations to subsist mitigating risks as they labor towards implementing better controls.

    According to the Compensating Controls Appendix B in SAQ D v2.0: "Compensating controls may subsist considered for most PCI DSS requirements when an entity cannot meet a requirement explicitly as stated, due to legitimate technical or documented business constraints, but has sufficiently mitigated the risk associated with the requirement through implementation of other, or compensating, controls." Also, there is a compensating control worksheet that needs to subsist completed in Appendix C of the SAQ D v2.0.

    If de-scoping the non-compliant system and compensating controls are not options, then you will requisite to check the "Non-Compliant" box on the SAQ and establish in a target date for compliance. In most cases, your acquirer/processor will want to see this proof, and possibly query your organization to fill out the "Action Plan" fraction of the SAQ; however, check with your acquirer/processor to subsist sure.

  • Let's talk about the mythical beast that is end-to-end encryption. Does it exist? More specifically, one of their audience members asked, "What if end-to-end encryption from the pin pad / card swipe POS is implemented? Does that boost everything out of PCI scope?"The Council is calling this P2PE for point-to-point encryption. signification turning the cardholder data into ciphertext (encrypting it) and then transmitting it, encrypted to a destination, for example, the payment processor. If the P2PE begins on swipe by cashier of the credit card at the PoS (point of sale) and continues everything the artery to the processor, it is not stored, and no one in the interim path has the keys to decrypt the data, then it could reduce the scope of the audit surface significantly. Caveats here are that everything will requisite to subsist implemented correctly, validated and tested. However, note that the entity noiseless must subsist PCI DSS compliant – though compliance may subsist greatly simplified. And, at this time, the PCI Security Standards Council noiseless deems P2PE an emerging technology and is formalizing official guidance, training QSAs on how to evaluate relevant P2PE components, as well as considering creating a validated list of P2PE solutions. For more information on the status of P2PE, delight read the Initial Roadmap: Point-to-Point Encryption Technology and PCI DSS Compliance program guide.

  • Under what circumstances can an internal audit certify a merchant as being PCI compliant?If the merchant qualifies for SAQ completion, internal audit can subsist liable for the assessment and attestation process. "Each payment card brand has defined specific requirements for compliance validation and reporting, such as provisions for performing self-assessments and when to engage a QSA."

    If the merchant must complete a RoC, it is practicable to enact the on-site assessment with an internal resource if the brand allows it. Check with your brand for specifics, Mastercard Inc., for example, has deemed that as of June 30, 2011, the "primary internal auditor staff engaged in validating PCI DSS compliance [must] attend PCI SSC ISA Training and pass the associated accreditation program annually."

  • What PCI and security implications enact you anticipate arising with the recent generation of contact-less cards, given that they are now being widely distributed?If the data can subsist transmitted in a secure encrypted format over the RF from the contact-less card to a secure endpoint, the data should not subsist exposed. However, if the data from the card is in clear-text over the air, sniffing attacks will subsist a major concern. Also, key management and MiTMs may subsist problems depending on specific technical implementations.

  • Are quarterly penetration tests noiseless required for wireless access points that are using WPA-2?Yes, quarterly tests are required. Requirement 11.1 covers everything known/unknown wireless access points regardless of protections on them. "11.1 - Test for the presence of wireless access points and detect unauthorized wireless access points on a quarterly basis." The intuition for this is that one of the intents of this requirement is to ensure there are no rogue devices in the CDE.

  • Does Citrix sessioning between payment apps and hosted sites provide sufficient encryption for PCI compliance?If the session is configured to transmit the data between the payment apps and the hosted site using an approved manner (ex: SSL/TLS ) then it should subsist compliant for at least the transmission portion of the standard.

    Requirement 4.1 -- "Use tenacious cryptography and security protocols (for example, SSL/TLS, IPSEC, SSH, etc.) to safeguard sensitive cardholder data during transmission over open, public networks."

  • How much are organizations spending on PCI compliance? Can you provide a range both for one-time costs and annual maintenance?There are two sides to this coin: cost of the audit and cost of compliance overall.
  • Audit cost: According to a recent Ponemon survey on PCI DSS trends (.pdf), the tolerable cost of the audit itself is $225,000 for the largest (Tier 1) merchants, but the cost can range much higher or lower depending on complexity of the environment, size of the CDE, and other factors .

  • Overall cost of compliance: In 2008, Gartner conducted a survey of 50 merchants and found that PCI costs had been increasing since 2006 (Gartner.com registration required) and cited costs averaging 2.7M for Tier 1 merchants, 1.1M for Tier 2, and 155k for Tier 3. Again, these are averages, so your particular case might subsist different.
  • Requirement 2.2.1 mandates that faultfinding servers provide a single-purpose service. If I believe a lone server hosting an e-commerce application with a Web server and database residing on a physical server, enact I requisite to situation the database on a divide server?Yes, in most cases. Requirement 2.2.1 – "Implement only one primary role per server to preclude functions that require different security levels from co-existing on the identical server." The intent of this requirement is to provide some protections if the underlying host, in this case the operation system running the database and e-commerce application is breached, causing one or both of the services to subsist exposed to attack. VMs are now allowed, so the identical piece of hardware could subsist used with a hypervisor to divide the two services across two VMs. Alternately, if there is a faultfinding business need, such as performance, for both primary functions to subsist on the identical server, regard if this justifies a compensating control by completing the compensating control worksheet (Appendix C of the PCI DSS).
  • About the author:Ed Moyle is currently a manager with CTG's Information Security Solutions practice, providing strategy, consulting, and solutions to clients worldwide as well as a founding partner of SecurityCurve.

    Diana Kelley is a partner with Amherst, N.H.-based consulting solid SecurityCurve. She formerly served as vice president and service director with research solid Burton Group. She has extensive experience creating secure network architectures and business solutions for big corporations and delivering strategic, competitive lore to security software vendors.



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    Operations & Process Management: Principles & Practice for Strategic ImpactOperations & Process Management: Principles & Practice for Strategic Impact
    By Nigel Slack, Alistair Jones
    Publisher : Pearson (Feb 2018)
    ISBN10 : 129217613X
    ISBN13 : 9781292176130
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    Subject : Business & Economics
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    Computer Security: Principles and PracticeComputer Security: Principles and Practice
    By William Stallings, Lawrie Brown
    Publisher : Pearson (Aug 2017)
    ISBN10 : 0134794109
    ISBN13 : 9780134794105
    Our ISBN10 : 1292220619
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    Subject : Computer Science & Technology
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    Urban EconomicsUrban Economics
    By Arthur O’Sullivan
    Publisher : McGraw-Hill (Jan 2018)
    ISBN10 : 126046542X
    ISBN13 : 9781260465426
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    Subject : Business & Economics
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    Urban EconomicsUrban Economics
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    Publisher : McGraw-Hill (Jan 2018)
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    Our ISBN10 : 1260084493
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    Understanding BusinessUnderstanding Business
    By William G Nickels, James McHugh, Susan McHugh
    Publisher : McGraw-Hill (Feb 2018)
    ISBN10 : 126021110X
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    Our ISBN10 : 126009233X
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    Subject : Business & Economics
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    Understanding BusinessUnderstanding Business
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    Publisher : McGraw-Hill (May 2018)
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    Understanding BusinessUnderstanding Business
    By William Nickels, James McHugh, Susan McHugh
    Publisher : McGraw-Hill (Jan 2018)
    ISBN10 : 1260277143
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    Our ISBN10 : 126009233X
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    Publisher : McGraw-Hill (Jan 2018)
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    Subject : Business & Economics
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    Publisher : McGraw-Hill (Jan 2017)
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    Subject : Business & Economics, Communication & Media
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    By Peter Cardon
    Publisher : McGraw-Hill (Feb 2017)
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    Subject : Business & Economics, Communication & Media
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