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000-N03 - IBM Commerce Solutions Selling Technical Mastery Test v1 - Dump Information

Vendor : IBM
Exam Code : 000-N03
Exam Name : IBM Commerce Solutions Selling Technical Mastery Test v1
Questions and Answers : 25 Q & A
Updated On : January 17, 2019
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000-N03 Questions and Answers

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000-N03 IBM Commerce Solutions Selling Technical Mastery Test v1

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000-N03 exam Dumps Source : IBM Commerce Solutions Selling Technical Mastery Test v1

Test Code : 000-N03
Test Name : IBM Commerce Solutions Selling Technical Mastery Test v1
Vendor Name : IBM
Q&A : 25 Real Questions

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IBM IBM Commerce Solutions Selling

IBM to promote utility products to HCL for $1.8B: Key Takeaways | killexams.com Real Questions and Pass4sure dumps

overseas enterprise Machines supplier (IBM - Free record) recently entered into a definitive contract to divest seven application items to HCL applied sciences for approximately $1.8 billion.

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

The solutions are estimated to have a complete addressable market (TAM) exceeding $50 billion. especially, the software choices encompass three on-premise options.

The business deal is predicted to conclude within mid-2019, subject to typical regulatory approvals.

IBM’s shares had been up well-nigh 2% the previous day, while that of HCL which trades beneath NSE (India) with the ticker “HCLTECH” have been down about 5%.

above all, shares of IBM have shed 15.5% year so far, in comparison with the business’s decline of 10.2%.

Key Takeaways for IBM

The move is in sync with IBM’s increasing focal point on bolstering its hybrid cloud enterprise. The company estimates the cost of its hybrid cloud enterprise at $19 billion.

In a sharp distinction, IBM’s Cognitive solutions’ section is not portray a promising photograph. in reality, Cognitive options’ revenues-exterior lowered 5.7% 12 months over 12 months (down 5% at cc) to $4.15 billion in third-quarter 2018. Segmental revenues referring to Strategic Imperatives and Cloud declined four% and 2%, respectively.

certainly, solutions utility revenues are suggested under Cognitive options’ section. solutions software includes choices in strategic verticals like fitness, domain-selected capabilities like analytics and safety, and IBM’s rising applied sciences of AI and blockchain. The section additionally contains choices that address horizontal domains like collaboration, commerce and ability. options software revenues declined three% year over year in third-quarter 2018.

In a bid to recognize hybrid cloud goals, IBM intends to give agencies with market leading hybrid cloud platform enabling them to shift their enterprise applications seamlessly to the cloud. in this regard, the enterprise lately entered right into a definitive contract to purchase crimson Hat for approximately $34 billion in money. The buyout is expected to shut within the latter half of 2019.

via divesting the application products, IBM will gain $1.eight billion, anticipated to enhance the company’s money position, which is important at this element of time.

specially, IBM ended third-quarter 2018 with $14.70 billion in total money and marketable securities compared with $eleven.ninety three billion on the conclusion of 2d-quarter 2018. complete debt (including international financing) become $46.9 billion, up $1.4 million from the previous quarter.

additionally, the enterprise is also predicted to partially mitigate the sluggishness in Cognitive options’ segment with this deal.

within the phrases of senior vice chairman of IBM’s Cognitive options and analysis, John Kelly, "We accept as true with the time is right to divest these select collaboration, advertising and commerce software belongings, which might be more and more delivered as stand-by myself items.”

HCL Stands to benefit

The seven utility solutions characterize options in excessive-boom safety, commerce and advertising and marketing domains, which kind Noida, India-headquartered HCL’s different operating segments. extra, HCL and IBM currently have an IP Partnership encompassing five of the seven products in consideration.

These components will allow HCL to seamlessly integrate the items in its business strategies.

additionally, some of these options are recognized as market main options in respective fields, which is a good.

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

bottom line

We trust it is a win-win situation for both the agencies concerned because it makes it possible for them to understand their respective enterprise desires.

With the closure, we consider IBM will be neatly positioned to focal point on its hybrid cloud businessin a superior method. as an alternative of blocking off materials on the development and enhancement of the stand-by myself products worried, the enterprise is expected to reinforce its foothold in the hybrid cloud market.

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

One month after IBM introduced its $34 billion strategic acquisition of pink Hat, the utility massive printed a sale of its personal.

IBM announced late Thursday that it would promote a set of utility products to the Indian IT enterprise HCL for $1.8 billion.

in the deal, IBM will sell seven entertaining utility applications in the collaboration, on-premise advertising, and commerce areas, which altogether have an addressable market of $50 billion, the company said. these functions had been the remaining items left over from its acquisition of Lotus, which it bought for $3.5 billion in 1995.

IBM and HLC already had highbrow-property partnerships on 5 of these items.

whereas HCL's inventory cost took a 5% dip on Friday following the information, Wall highway changed into just a little more supportive of IBM's option to abandon the property in desire of extra cash and a better-margin application portfolio. nonetheless, IBM shares fell more than 3% in trading on Friday, even though the inventory was nonetheless buying and selling above its low for November.

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

The utility suite turned into part of IBM's Cognitive options, a section that includes IBM Watson fitness and different artificial-intelligence companies — and which has viewed earnings declines. The enterprise mentioned it expected to see this phase improve its revenue increase after the sale.

Cognitive solutions introduced in $four.15 billion in the third quarter of 2018 , down 6% from the same length in 2017. Its margins declined by using 2.7% within the same length, in accordance with the enterprise submitting.

IBM has finished similar offers each year over the last 14 years

In a weblog put up on Friday, IBM defined the sale to investors as being part of a push towards a "high-cost model," which basically means the enterprise would quite invest in better-yield emerging areas reminiscent of AI, cloud, and blockchain than determine a method to help its declining corporations grow.

study greater: IBM was dropping the cloud wars — here's why Wall highway thinks its $34 billion crimson Hat acquisition will change that

"providing a excessive-cost model also requires ongoing funding prioritization, since components akin to market beauty, differentiation, and magnitude to IBM's built-in model," the business spoke of within the post.

but this strategy is rarely new for IBM. Roy, the U.S.analyst, wrote that IBM had in a similar fashion offered off some of its utility portfolio over each of the previous 14 years. All of those deals, he referred to, have been valued at $740 million to $1.6 billion.

final analysis: it's now not about purple Hat

IBM's $34 billion acquisition of red Hat in October has created some redundancies in the enterprise's portfolio, however it's now not why this sale is occurring, Roy wrote.

A "advantage issue" for IBM is that once the acquisition closes, there will be some overlap between middleware products, such as IBM's WebSphere and red Hat's JBoss product lines, he referred to — however that chance does not contain any of the products that it offered off to HCL.

as a substitute, usaviews this as an easy sale of underperforming utility products, because it refocuses on the good stuff.

"Mixing faraway from below-performers is just respectable business," Roy wrote.


IBM promoting huge a part of Its application Portfolio To India's HCL In $1.eight Billion Deal | killexams.com Real Questions and Pass4sure dumps

India-based global answer company HCL technologies on Thursday said it's buying a large a part of IBM's utility portfolio as a way to reinforce its utility enterprise and its as-a-provider capabilities.

HCL, Noida, India, plans to spend about $1.8 billion for a software portfolio from IBM that the two businesses say represents a total addressable market exceeding $50 billion.  

covered in the acquisition are such IBM products as IBM Appscan, a safety-concentrated application for deciding on and managing vulnerabilities in mission-critical functions; IBM BigFix endpoint administration and safety application; IBM Unica, a cloud-primarily based enterprise advertising automation utility; and IBM WebSphere Commerce, an omni-channel commerce platform for B2C and B2B groups.

[Related: 5 Ways IBM Is Looking To Empower Partners]  

IBM is also selling to HCL its IBM WebSphere Portal, a platform for developing commercial enterprise internet portals to support agencies deliver totally customized social adventure to valued clientele; the IBM Notes and IBM Domino collaborative customer/server application platform; and IBM Connections, a platform for integrating electronic mail, endeavor and project management, fast messaging, and file and document sharing.

For HCL, the software being acquired is expected to provide the company a lift in speedy-turning out to be protection, marketing and commerce, all of which might be strategic to the enterprise, mentioned C Vijayakumar, the enterprise's president and CEO, in a statement.

"The massive-scale deployments of these items provide us with an outstanding opportunity to attain and serve hundreds of global businesses throughout a big range of industries and markets," Vijayakumar mentioned in that remark.  

Darren Oberst, corporate vice president and head of the products and platforms business of HCL, advised CRN that the acquisition changed into part of an extended-term strategy with the aid of his company to diversify its enterprise.

HCL is an $eight billion, 40-plus-12 months-ancient capabilities enterprise with core knowledge in each engineering and utility outsourcing and IT outsourcing, Oberst talked about.

"About three years in the past, we all started looking at our increase approach and how to move away from the labor-intensive utility company to supply more value to our shoppers," he spoke of.  

With the acquisition of this software portfolio from IBM, HCL could be in a position to mix the entrepreneurial means, velocity and performance of an organization like HCL with over a hundred,000 personnel global with the application in such a method if you want to set it aside from its rivals, Oberst talked about.

"This represents a fundamentally new course for us," he pointed out. "We're stepping into working with application with one of the most largest businesses on the earth. We are looking to create a collection of options that only a few businesses on this planet can carry."  

Going forward, HCL applied sciences and IBM will proceed their long-time period relationship the place the two promote each other’s applied sciences, Oberst talked about.

"it be a win-win," he stated. "We supply spectacular opportunities for the utility shoppers, and IBM specializes in the dazzling opportunities for boom in the future."  

The deal, once it closes, isn't expected to have a large alternate in how IBM's business companions work with the application as it becomes a part of HCL technologies, Oberst referred to.

"There should be no trade in these preparations until formal deal closure, which is anticipated to happen by using mid-2019," he observed. "put up deal closure, HCL will work with IBM business partners to signal them up as HCL partners. Working with company companions has at all times been a core a part of HCL’s company philosophy."

For IBM, the divestiture of this a part of its utility business is a way for the company to more advantageous prioritize its investments in additional emerging, high-value segments of the IT industry, said John Kelly, IBM senior vp of cognitive options and research, in a press release.  

"Over the last 4 years, we have been prioritizing our investments to develop built-in capabilities in areas comparable to AI for company, hybrid cloud, cybersecurity, analytics, provide chain and blockchain in addition to industry-particular systems and solutions together with fitness care, industrial IoT and monetary features. … We believe the time is appropriate to divest these select collaboration, advertising and commerce utility property, which are increasingly delivered as stand-by myself products," Kelly observed in that statement.

The transaction is expected to nearby mid-2019. It can be field to regulatory experiences.  

IBM executives have been now not purchasable to deliver extra assistance by press time.

The news that IBM would be selling constituents of its utility enterprise got here as a complete shock to IBM's channel companions, a kind of partners instructed CRN off the list.

"i will be able to be mindful getting rid of Lotus Notes and Domino," the answer issuer stated. "Microsoft workplace 365 and Google Apps are killing the hell out of Lotus Notes. however I can't have in mind getting rid of different items like BigFix. I even have known as into IBM. i'm certain the entire companions do, about what we're supposed to inform our consumers, and what aid will be like. there may be lots about where do we go from right here."

The IBM stream is much more problematic to be aware considering lots of the applications IBM is now selling had been recent acquisitions, the answer provider noted.

"These are startup agencies that IBM bought during the last five years," the answer issuer mentioned. "They went via years of 'Blue washing.' And now IBM desires to promote them?"


000-N03 IBM Commerce Solutions Selling Technical Mastery Test v1

Study Guide Prepared by Killexams.com IBM Dumps Experts


Killexams.com 000-N03 Dumps and Real Questions

100% Real Questions - Exam Pass Guarantee with High Marks - Just Memorize the Answers



000-N03 exam Dumps Source : IBM Commerce Solutions Selling Technical Mastery Test v1

Test Code : 000-N03
Test Name : IBM Commerce Solutions Selling Technical Mastery Test v1
Vendor Name : IBM
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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 all researchers predict 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 say definitively that it is the exception when we find solutions that gracefully blend the data and performance advantages of each, not the rule.

This is unfortunate since it should be our obligation to provide prospects and customers with digital experiences that are graceful, consistent and harmonious across both paid and owned media.

When we 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 large budgets and vast volumes of data, the space has evolved to encompass a world of real-time bidding, deep algorithmic exploration and optimization at scale via machine learning.

I’ve personally participated in rigorous experimentation that has shown that for long-running campaigns, pure 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, have 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 show significant engagement increases relative to static rules-based campaigns, as well as ease in configuration.

Challenges to this approach may include 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 be enough scale or fidelity 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 work with agencies. However, it is not as common to allocate data scientists to mar tech teams. I would recommend committing data science efforts to mar tech in the same way they have been deployed in ad tech space. Aside from the modeling exercises, brands will likely find that enhanced reporting and analytics is a fast follow 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 offer programs.

As opposed to mar tech, where I suggest an increase in data science investment, it’s time to confront the opposite trend in ad tech.

As an avid ad tech hacker, I say this with some sense of regret. I feel nostalgia for the rooms packed with armies of people optimizing keyword bids, building 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 level of machine-learning investment by the big ad tech platforms.

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

In short, just as mar tech tactics can be enhanced with the data science approach we find in ad tech, the data and systems that drive mar tech efficiency can be 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 same time, ad tech campaigns might be seeded with high-value audiences, bidding influenced by lifetime-value indices or optimization algorithms fueled by detailed conversion data supplied via your internal mar tech tools and teams.

These opportunities are available to brands today with no need to wait for vendors to travel down the arduous road toward convergence, which has many technical and governance challenges. What may be 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 easy 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 be breaking down silos within teams and organizations to create a world where paid and owned tactics work in unison to deliver a brand dialogue that is intelligent and unified across every digital touch point.

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


Brainshark Launches Brainshark Labs at Microsoft Build 2017 | killexams.com real questions and Pass4sure dumps

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Brainshark Will Demonstrate How Innovations in Machine Scoring and Virtual Reality Will Drive Advances in Sales Onboarding, Training and Coaching

By PR Newswire

Article Rating:

May 10, 2017 10:10 AM EDT  

WALTHAM, Mass., May 10, 2017 /PRNewswire/ -- Brainshark, Inc., delivering SaaS-based sales enablement and readiness solutions, today announced the launch of Brainshark Labs, its incubator for research and innovation, at Microsoft Build 2017, held May 10-12 in Seattle. Brainshark technology leaders will share how they are integrating Microsoft's Cognitive Services and HoloLens mixed-reality simulation technology to transform how salespeople are onboarded, trained and coached to engage in more successful buyer communications.

Brainshark provides leading sales enablement solutions, helping companies improve sales productivity and results. www.brainshark.com.

The mission of Brainshark Labs is to find innovative ways to help sales organizations get better at what they do, by exploring how the latest, cutting-edge technologies can be used to solve sales readiness challenges and improve productivity.

Build 2017, Microsoft's annual developer conference, explores how software continues to transform the world in remarkable ways. Brainshark's presentation there will focus on how Brainshark Labs is pioneering the next generation of sales enablement solutions, including wearable technology, virtual reality and artificial intelligence, to help salespeople better prepare for buyer interactions in a simulated, low-risk environment. The company is also developing solutions that leverage automated machine scoring to help salespeople elevate their performance through a better understanding of tone of voice, energy levels, body language and more.

Brainshark's session is as follows:

  • What: Making Salespeople Better Through Artificial Intelligence and HoloLens
  • When: Wednesday, May 10, from 12:30-12:50 p.m. PT, and Friday, May 12, from 11:30-11:50 a.m. PT
  • Additional Details: Learn how Brainshark is integrating next-generation Microsoft technologies to improve the impact of interpersonal sales communications. Brainshark is building a platform that combines Microsoft's HoloLens, Azure Cognitive Services and Azure Machine Learning to simulate meetings and objectively score the performance of salespeople.
  • "We believe that every sales team, no matter how effective, can be even better: more knowledgeable, more productive and more motivated," said Chris Caruso, chief technology officer at Brainshark. "We are excited to launch Brainshark Labs at Microsoft Build since so much of what we're exploring harnesses the incredible power and technical advances now available from Microsoft. As a result of these innovations, we can better equip the sales teams of tomorrow by providing salespeople with the opportunity to practice their presentations in an environment that's as realistic as possible – with unpredictable interactions that get reps ready for difficult real-world questions and selling situations."

    To learn more about Brainshark's latest innovations in sales enablement and readiness, visit www.brainshark.com/company/labs and follow @BNSKLabs on Twitter. To learn more about Brainshark sales readiness solutions, visit www.brainshark.com and follow @Brainshark on Twitter.

    About Brainshark

    Brainshark sales readiness software equips businesses with the training, coaching and content creation capabilities to achieve sales mastery and outsell the competition. With Brainshark, companies can: prepare sales teams with on-demand training that accelerates onboarding and keeps reps up-to-speed; validate readiness with sales coaching that ensures reps master your message; and empower sales organizations with rich, dynamic content that can be created quickly and accessed anywhere. Thousands of companies – including more than half of the Fortune 100 – rely on Brainshark to identify and close performance gaps, and get better results from their sales enablement initiatives. Learn more at www.brainshark.com.

    To view the original version on PR Newswire, visit:http://www.prnewswire.com/news-releases/brainshark-launches-brainshark-labs-at-microsoft-build-2017-300455218.html

    SOURCE Brainshark, Inc.

    Copyright © 2007 PR Newswire. All rights reserved. Republication or redistribution of PRNewswire content is expressly prohibited without the prior written consent of PRNewswire. PRNewswire shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

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

    During our 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 answer all 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 help you solve 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 we find information about PCI DSS compliance that is focused on those of us who are "Mom & Pop" shops?Since most small organizations fall into the self-assessment category, a great 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 all fits together

    SAQ A-D and Guidelines

  • It seems the necessity of PCI compliance hasn't fully penetrated the Asian markets. Do you have any suggestions on how to achieve compliance for companies who do business in Asia, where adjusting to PCI standards aren't a priority?Companies should be 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 same controls as they do 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, do I need wireless scans?All wireless networks within the CDE (cardholder data environment) need to be scanned pursuant to the PCI DSS wireless guidelines provided by the Council. If audit and test findings confirm 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 use other devices beyond just the virtual terminal to store/process/transmit cardholder data (such as a PoS on your network), you will have to scan.

  • Is there a standard for isolating non-compliant custom systems that do not have a newer PCI-compliant version available? Let's assume this would be 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 stop saving the PANs and use an alternative -- like masking, tokens or other unique identifier -- or find a way 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 put in place a road map for mitigating or eliminating the problem. Although the compensating controls/road map will not mean a fully compliant RoC or SAQ, it does show good faith on the part of the company to work towards correcting the problem.

  • In terms of a policy strategy, should an enterprise's existing information security policies be amended to include PCI requirements, or do the requirements need to be addressed in PCI-specific policies?In most cases the CDE (cardholder data environment) under PCI is a very small portion of the network and should be clearly zoned off from the rest of the corporate network activities. As a separate part 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 example strong password controls and reset – can be 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 be deemed out of scope if, and only if, it has been validated that the entity that possesses encrypted cardholder data does not have the means to decrypt it." So if the entity does not have the key, that data may be deemed out of scope.

  • Does PCI require verification that there are no rogue wireless access points that may have connected to the POS network?Yes. From the Council's Wireless Guidance: "These are requirements that all organizations should have in place to protect their networks from attacks via rogue or unknown wireless access points (APs) and clients. They apply to organizations regardless of their use of wireless technology and regardless of whether the wireless technology is a part 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 prevent an attacker from using rogue wireless devices to negatively impact the security of cardholder data. In order to combat rogue WLANs, it is acceptable to use 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 disaster 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 distribute security incident response and escalation procedures to ensure timely and effective handling of all situations." Also in the Penetration Testing supplement it states: "Perform testing in accordance with critical company processes including change control, business continuity, and disaster recovery." And, in the Application Reviews and Web Application Firewalls Clarified it states: "Adhere to all policies and procedures including change control, business continuity, and disaster recovery."

  • Would you define "scope" as the geographical area 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 have your network equipment 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 need 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? Do you have 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 right that shared accounts are prohibited by PCI DSS; Requirement 8 states: "Assign a unique ID to each person with computer access." Strictly speaking, to be compliant, a unique ID and two-factor token would need to be assigned for each person remotely administering the firewalls and switches.

  • Can you speak to some of the feedback you have received from clients who have 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 use tokenization in the CDE to reduce scope. One that we spoke to and have mentioned publicly is Helzberg Diamond Shops, Inc.. However, we caution that to be completely effective, organizations need to also address scope reduction and zoning, document the tokenization implementation so it can be reviewed during audit, and confirm 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, we take credit cards in many ways -- POS, Internet, MOTO – but we use only PA-DSS applications and we are hosted by a service provider, so we do not store any CHD. Our CHDE is really the PCs (and network) where the card data is entered or swiped. We have segmented all system components (PCs where CHD is entered or swiped) away from our regular network. It appears that many of the PA-DSS requirements are in reference to "stored" credit card data. Can you give me some advice on how to determine how much of the requirements apply to us given that we do not store CHD? We have secured all components that have CHD entered and we are running PA-DSS-compliant applications.Sounds like you've done a lot of great scoping work. The PA-DSS applies to applications, but entities still need to be 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 fall under multiple SAQs your acquirer/processer will want you to complete SAQ –D. However, to be sure, check with your acquirer/processor to confirm.
  • Can you offer advice on what to look for in an internal audit and reporting product for PCI DSS compliance?There are multiple audit and reporting tool types that can be used in PCI DSS compliance. For example, a penetration testing system will return reports on vulnerabilities and exposures in the CDE, while a patching system will return reports on patch information, both of which apply. In many cases, when organizations think about a meta-console for reporting, it is a log or event/information aggregation console that brings together multiple reporting components for use in PCI DSS compliance work. For any tool, look 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 have a question about PCI and the cloud. We are a PCI Level 1 merchant. We are thinking of moving our data center to cloud, Amazon to be specific. We understand that Amazon is PCI Level 1 compliant. Is it really possible to be a PCI-compliant Level 1 merchant in a cloud environment? Do you have 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 need to entity using the service to be 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 rely on our validated service provider status, but you will still be required to satisfy all 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 be third party validated as a PCI DSS provider, this doesn't mean they're certified to PCI or that entities using the service are automatically certified.

    If you are going to host some or all of your CDE in the cloud, do 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 include 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 responsible 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 effort to ensure PCI compliance, we have a number of different products from different vendors, since there does not seem to be one full PCI compliance "solution." Is this by design? Is there any advantage 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, all of the documentation related to policies and process. It would be extremely difficult (arguably impossible) for a single solution to do it all. The reality is that organizations use 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 tool that also sells antivirus/malware or patch management. The big win is not necessarily to have all tools (or many tools) from the same vendor, but to be able to bring together reporting, logs, test and monitoring information in a centralized place to make oversight and compliance monitoring more comprehensive and efficient.

  • How can companies deal with call recordings in the call center when taking card payments by phone? Are there any mitigating factors?Because there is not a lot of call center guidance in the PCI DSS, the Council addressed call center 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 SAD is easily accessible - then it must not be stored."

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

    Also, please 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 SAD is truly being deleted and not stored.

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

  • If you have backups of credit card data in a secure location, is that a violation? How can it be mitigated?It's not a violation -- it is part 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." Remember to make sure the data was encrypted before it was backed up and that the personnel at the facility do not have 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 be performed by an Approved Scanning Vendor (ASV), approved by the Payment Card Industry Security Standards Council (PCI SSC). Scans conducted after network changes may be performed by internal staff." 

    See the PCI Security Standard 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. use 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 function per server, "Note: Where virtualization technologies are in use, implement only one primary function per virtual system component."

  • Is a system that is not holding the cardholder data, but only processing it (like a Web farm) a part of PCI audit requirements?Yes, if a system component stores, processes or transmits cardholder data or sensitive authentication data, it is part 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 do companies have 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 effect on January 1, 2011 and there is a year to comply with the new standard. If you are in the middle of an assessment cycle that started in 2010 and the compliance assessment will be completed before the end of 2011, you can continue the process with v1.2.1. If you a starting a new assessment cycle in 2011, use 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 still be submitted? Or should the organization wait until the 12 requirements have been satisfied?Before admitting defeat, see if there is any way your organization can get to be compliant. Don't forget, if a non-compliant system or process is not essential, it could be scoped out of the CDE and out of the compliance surface. Also don't forget about compensating controls. The ideal is to be fully compliant, but compensating controls provide a way for organizations to be mitigating risks as they work towards implementing better controls.

    According to the Compensating Controls Appendix B in SAQ D v2.0: "Compensating controls may be 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 be 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 need to check the "Non-Compliant" box on the SAQ and put in a target date for compliance. In most cases, your acquirer/processor will want to see this proof, and possibly ask your organization to fill out the "Action Plan" part of the SAQ; however, check with your acquirer/processor to be sure.

  • Let's talk about the mythical beast that is end-to-end encryption. Does it exist? More specifically, one of our audience members asked, "What if end-to-end encryption from the pin pad / card swipe POS is implemented? Does that take everything out of PCI scope?"The Council is calling this P2PE for point-to-point encryption. Meaning 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 all the way 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 need to be implemented correctly, validated and tested. However, note that the entity still must be PCI DSS compliant – though compliance may be greatly simplified. And, at this time, the PCI Security Standards Council still 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, please 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 be responsible 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 possible to do 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 do you anticipate arising with the new generation of contact-less cards, given that they are now being widely distributed?If the data can be transmitted in a secure encrypted format over the RF from the contact-less card to a secure endpoint, the data should not be exposed. However, if the data from the card is in clear-text over the air, sniffing attacks will be a major concern. Also, key management and MiTMs may be problems depending on specific technical implementations.

  • Are quarterly penetration tests still required for wireless access points that are using WPA-2?Yes, quarterly tests are required. Requirement 11.1 covers all 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 reason 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 method (ex: SSL/TLS ) then it should be compliant for at least the transmission portion of the standard.

    Requirement 4.1 -- "Use strong 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 average 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 be different.
  • Requirement 2.2.1 mandates that critical servers provide a single-purpose service. If I have a single server hosting an e-commerce application with a Web server and database residing on a physical server, do I need to place the database on a separate server?Yes, in most cases. Requirement 2.2.1 – "Implement only one primary function per server to prevent functions that require different security levels from co-existing on the same 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 be exposed to attack. VMs are now allowed, so the same piece of hardware could be used with a hypervisor to separate the two services across two VMs. Alternately, if there is a critical business need, such as performance, for both primary functions to be on the same server, consider 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 firm SecurityCurve. She formerly served as vice president and service director with research firm Burton Group. She has extensive experience creating secure network architectures and business solutions for large corporations and delivering strategic, competitive knowledge to security software vendors.



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