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Monday, May 24, 2010 6:49:50 AM
Security certificates are necessary for websites that offer online financial transctions. It serves as a sign that the website complies with with Payment Card Industry (PCI) data security standard.
Credit card companies such as American Express, Discover, MasterCard, JBC, and Visa all support the PCI standard. Merchants that store, process, and transmit cardholder information must absolutely follow the standard regardless of what payment channel they use. Payment channels may include retail, mail or telephone order, or online transactions. If a merchant fails to follow the standard, the merchant may be fined by banks and credit card companies. The right to process credit cards may also be taken away from the merchant.
To earn a security certificate, an internet merchant must submit at least one website for auditing. A few tests that would prove compliance to the PCI security standard must be taken and passed. Six requirements must be met before a website is given a security certificate.
The first requirement is that the website should have a secure network. Payment card information being sent to the web server must never be exposed to third parties. Therefore, the web server must be secure enough to avoid many forms of hacking and data mining programs and bots.
Second, the merchant is required to protect cardholder data. At transmission of payment, the cardholder data must be encrypted with at least a 28-bit SSL certificate.
The third requirement is that the web server must have a vulnerability management program. This is to ensure that the website is safe from new threats. Threats exposing and taking advantage of newly discovered security vulnerabilities appear everyday. A vulnerability management program exists to make sure that existing security vulnerabilities are always patched to keep the website secure.
The fourth is that the website must have strong access control measures. Physical access to customer information should be limited or restricted. Only the people that completely have to access the information should be given permission. A unique identification code should be given to the parties that need to access the data.
The fifth is that it is required to always monitor and check networks. Security measures and processes should be constantly checked to ensure that they are updated. Network access to private information should also be closely monitored.
And lastly, an information security policy should be maintained. The merchant should make sure that the employees know and understand their responsibilities regarding customer information before it becomes an issue.
If the above standards are met, there should be no hassle in getting a Security Certificate that communicates to the users that the website is safe for online transactions. A security certificate serves as proof that the customer's private data is protected from browser security exploits, phishing attacks, hackers, spammers, and scammers.
Remember to visit http://www.securitycertificate.org first to compare the different security certificate providers online before getting one for your online store.cheap ssl certificates: certificate
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